Frequently Asked Questions

Help & Frequently Asked QuestionsFind the answers to some of our most commonly asked questions below.

Click on a question to find the answer

 

1. What’s the limit on the amount of times I can travel on my Annual Multi Trip policy?

2. What’s the maximum duration on a Single Trip policy?

3. Do you have to be a UK resident to purchase travel insurance from InsuraTrip?

4. If more than one adult is on an Annual Multi Trip policy, can they travel separately and still be covered, or do they have to travel together?

5. What is the cancellation period?

6. How do I get a copy of my policy documents?

7. What is the maximum duration of cover that I can get?

8. What is policy excess?

9. Do I need to take my policy documents with me when I travel?

10. Is it possible to buy a travel policy the same day as departure?

11. Do I need to inform you of my holidays once booked, with an Annual Multi Trip policy?

12. What cover is available under my policy in relation to Coronavirus of FCO change in advice?


 

 

 

1. What’s the limit on the amount of times I can travel on my Annual Multi Trip policy?

You can travel as often as you like, to as many countries as you wish. There is however, a maximum duration of a trip which varies depending on your level of cover. Standard and Extra travel insurance has a maximum duration of 32 days per trip, Super travel insurance has a maximum duration of 45 days per trip and Premier travel insurance has a maximum duration of 62 days per trip.


2. What’s the maximum duration on a Single Trip policy?

The maximum duration per trip for annual multi-trips depends on which level of cover that you have purchased, however the maximum duration available on a Single Trip policy is 366 days if you are up to and including the age of 64, 45 days in Europe and 31 days outside of Europe for ages 65-79 then a maximum of 31 days if you are aged 80 or over. Check your policy certificate and wording for further information.


3. Do you have to be a UK resident to purchase travel insurance from InsuraTrip?

To purchase an InsuraTrip product you must be a resident of the United Kingdom, Channel Islands or British Forces Personnel Overseas (BFPO). Please note that upper age limits do apply on all travel policies. These are as follows; 100 years of age for Single Trip Travel Insurance, 75 years of age for Annual Multi-Trip Travel Insurance, 35 years of age for Backpacker Insurance and 55 years of age for Backpacker Plus Travel Insurance.

Don't worry if you're not eligible for InsuraTrip's Standard, Extra, Super or Premier travel insurance, as we may be able to offer you an alternative travel insurance policy from Voyager Insurance that is available for residents of the UK and some EEA countries (including those who have already travelled). For further details and to get an online quote for Voyager Travel Insurance Click Here.


4. If more than one adult is on an Annual Multi Trip policy, can they travel separately and still be covered, or do they have to travel together?

They can indeed travel separately. Children on the policy however do need to be accompanied by an adult who is named on the policy.


5. What is the cancellation period?

You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise InsuraTrip within 14 days of purchase for a full refund to be considered.


6. How do I get a copy of my policy documents?

When you purchase travel insurance from InsuraTrip, we send you a confirmation email with your policy documents attached. We recommend printing off a couple of copies of this email, and strongly recommend taking a copy on your travels with you.

That said, if you do misplace your policy and would like a copy, please contact us by phone on 01483 806 668 or email us at info@insuratrip.com.


7. What is the maximum duration of cover that I can get?

The maximum travel insurance trip duration that we can cover is 24 months (only available for individuals aged 18-55) on a Long Stay or Backpacker policy. Alternatively, the Premier level of our Annual Multi-Trip Travel Insurance covers individual trips of up to 62 days in duration.


8. What is policy excess?

Excess is the first part of any claim that you are liable to pay for, in the circumstance of you making a claim.


9. Do I need to take my policy documents with me when I travel?

We highly recommend that you take a copy of all of your insurance documents on your travels with you, so that you are aware of your cover limits, should you need to make a claim or find yourself needing the emergency assistance service. We also recommend that you put our emergency numbers into your mobile phone.


10. Is it possible to buy a travel policy the same day as departure?

Yes it is possible to do so, however we would not recommend this, as you would not have any Cancellation Cover in place should you have to cancel your trip, for an insured reason, before travel commences.


11. Do I need to inform you of my holidays once booked, with an Annual Multi Trip policy?

No, but you do need to update us if any of your circumstances such as medical conditions change.


12. What cover is available under my policy in relation to Coronavirus of FCO change in advice?

This policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (Covid–19) within the following sections:

A1 – Cancellation – If you are unable to go on your trip

B2 – Emergency Medical Expenses – If you need emergency medical attention

B3 – Curtailment – If you need to come home early

Please be aware that the coverage provided under the above sections, only applies if:

  • You or anyone insured on this policy, became ill with an infectious disease (including contracting Covid-19); (you must have had a positive test result within 14 days of your intended departure date)

There is no cover under ALL other sections of cover for any claims directly or indirectly related to a pandemic and/or epidemic including but not limited to Coronavirus (Covid–19).

For full details, please see your policy wording.

TRAVEL DESTINATIONS

PLEASE REMEMBER: It is essential that you check the latest advice outlined by the Foreign, Commonwealth and Development Office (FCDO) at www.gov.uk/foreign-travel-advice before departure. Our policies will NOT provide cover under any section of the policy if you travel to a country or specific area, where prior to travel, the FCDO are advising against all (or all but essential) travel.

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