loader

How to make a Claim

The most important part of any travel insurance policy is "How to make a Claim", and this page of our website details everything you need to know.

Please just click on the relevant section below to read full instructions on how to make your claim.

Do note that all claims must be submitted within 60 days of the incident giving rise to the claim, or your claim may be denied.

  • Medical Claims

    The medical part of your insurance with us covers you for urgent medical attention if there is a sudden and unexpected accident or if you become ill during a trip. Your travel insurance doesn’t cover any elective treatments you may choose to have, for example a general check-up or immunizations. It also doesn’t cover any prescription charges you normally incur at home, for instance the cost of inhalers if you suffer from Asthma, or contraceptives.

    Medical claims are always broken down into two categories. Out-Patient treatment which usually involve minor ailments which entail a visit to a pharmacy for some over the counter treatment, or a visit to a Doctor or a Clinic for treatment.

    Then there is In-Patient treatment, where you are admitted to hospital.

    Below is information about what you need to do in each case.

    Out-Patient treatment (under £500)

    If you have suffered a minor injury or have become ill just go to a local pharmacy and ask them for help. However, if you feel you need to see a Doctor or go to a Clinic, just go. You do not need to get permission from us, so just go to the nearest medical facility. You can ask your hotel for this information, ask other travellers, or of course, you can just "Google" it.

    If the treatment comes to £500 or less, just pay and retain all the receipts.

    Out-Patient treatment (under £500) in Spain, Greece, Cyprus, Turkey & Egypt

    If you need to seek outpatient treatment when you are travelling in any of the countries listed above then it may be that immediate payment can be arranged locally using the services of Charge Care International whom we have appointed to act on our behalf.

    To take advantage of this service please show the treating doctor or clinic the logo printed here and in your Policy Booklet as this will enable them to identify our membership and avoid language difficulties. If the hospital you are treated at subscribes to this service they will ask to see your proof of insurance so it is important you take your Validation Certificate with you. You will be asked to complete a simple Charge Care form to confirm the nature of the treatment received.


    If you need to see a Dentist, we do limit the cover to emergency dental treatment only to relieve pain. We don’t cover any sort of cosmetic dental work at all. Do note that there is a limit to emergency dental treatment of £250 on the True Value policy, £350 on the Traveller and £500 on the Traveller Plus policy.

    Note in the USA and Canada the cost of dentistry is very expensive. We suggest you Google dentistry schools attached to Universities as often they have clinics which are much less expensive than local services.

    Out-Patient treatment (over £500)

    If you attend a Clinic or Accident & Emergency Centre, and it’s expected that treatment will exceed £500, then you must contact our 24/7 Emergency Medical Assistance Service immediately.

    If you’re in the USA or Canada, you can call toll-free on 1 800 457 7930, and in the rest of the World you can call +44 20 7183 3751. Our Assistance Service will then take over your case and pay medical bills directly to the hospital or clinic. Failure to contact them in the event of a claim of this type may result in your claim being reduced or even declined.

    In-Patient treatment

    If serious injury happens and you’re admitted to hospital, then again contact our 24/7 Emergency Medical Assistance Service immediately.

    If you’re in the USA or Canada, you can call toll-free on 1 800 457 7930, and in the rest of the World you can call +44 20 7183 3751.

    If you’re unable to contact our 24/7 Emergency Medical Assistance Service prior to your admission to hospital, then you must contact them as soon as you can.

    They will then give advice on what to do and the assistance you require, and this will include direct settlement of your medical bills, and, if medically necessary, repatriate you back to your home country.

    How to Claim your expenses

    You can download a medical claim form and return to us with your receipts for the medical expenses you incurred.

    Download a medical claim form

    You can either complete this by hand and attach the original receipts and send into our claim service for reimbursement. You can also complete it on a PC or MAC, scan your documents and then email everything into claims@truetraveller.com.

    Note: To complete the Claim form, please download to your desktop and use Adobe Reader to open it. Adobe will also allow you to digitally sign the form. If you are unsure about any part of the form, please just leave it blank. Our claims service will email you if they need more information.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note your travel insurance does carry an Excess of £125 on the True Value Policy, £75 on the Traveller and £35 on the Traveller Plus. If your claim is equal to or less than that amount then you claim will be denied unless you have the Excess Waiver. Please check your Validation Certificate.

  • Baggage Claims – including Delayed Baggage, Valuables and Specified Items

    This is the section you need if you’ve had something stolen, you’ve lost something or an item has been damaged.

    The first thing to check is that you elected to have baggage included on your policy with us. If your Validation Certificate includes the wording "Section K (Baggage) Add-on" please read on. If it states "Section K (Baggage) Not Selected" then you have no cover for any losses incurred on your journey so you will not be able to claim against your travel insurance.

    If personal baggage is delayed obtain a written report from the carrier (e.g. airline, shipping company etc.) detailing the length and the cause of the delay. Retain all the receipts which relate to any emergency replacement items you have purchased.

    In addition, you may have requested that a Specified Item, like a laptop, be included on your policy. Again, just double check your Validation Certificate to ensure you can claim.

    Delayed Baggage

    If the airline you’re flying with delays your baggage on your first flight out from your home country for more than 12 hours, then you can claim compensation from us of £25 for every 12-hour delay up to £75 on the True Value policy, £35 for every 12-hour delay up to £105 on the Traveller policy and £50 for every 12-hour delay up to £150 on the Traveller Plus policy.

    If you’re waiting by the baggage carousel and everyone has left and your bag hasn't appeared, immediately go to the airlines Baggage Desk which should be close by. Register your loss with them and complete a Property Irregularity Report (PIR). Also, ask the airline there and then for some compensation for you to buy some necessities. Some airlines will give you $100 or so as an interim payment, but they don’t have to.

    How to Claim for Delayed Baggage

    You can download a delayed baggage claim form and return to us with confirmation from your airline or shipping company detailing the length of the delay.

    Download a delayed baggage claim form

    You can either complete this by hand and attach the original document from the airline or shipping company and send into our claim service for reimbursement. You can also complete it on a PC or MAC, scan your documents and then email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Note: To complete the Claim form, please download to your desktop and use Adobe Reader to open it. Adobe will also allow you to digitally sign the form. If you are unsure about any part of the form, please just leave it blank. Our claims service will email you if they need more information.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note no excess applies for delayed baggage claims.

    Lost or Stolen Baggage

    In the case of each claim, you are required to obtain written proof of the incident relating to the loss or theft from the police, the accommodation management, tour operator or airline within 24 hours of the loss/theft. Without this written proof, any claim will most probably fail.

    Note for valuables , this policy will not pay out for loss or damage if such item is left unattended. For example, if you are in a bar and leave your laptop on a table whilst you go and order drinks from the bar this would be classed as being left unattended and any claim will most probably fail. Likewise, if you put your valuables in checked-in baggage on an airline, that is an exclusion on the policy and any claim would again most probably fail.

    In the case of an airline losing your luggage, after 3 days, most airlines will assume your baggage has been lost. Then, just go to the airlines website and put in a claim with the airline. Airlines, under the "Montreal Convention" must compensate your luggage to a maximum of XDR1131 (which is a UN Currency) but it equates to around £1200/€1360 which they will pay after 21 days. In most circumstances, this will cover your baggage anyway, but if it doesn’t, you can put in a further claim on your policy.

    For all item(s), pair or sets of items valued at over £100, you must provide receipts. If you don’t have the receipts anymore, then other proof of ownership (such as bank/credit card statements and photographs of the items in your possession) may be offered to support your claim.

    There are limits to Baggage claims depending on the policy you took out with us. For True Value policies, the overall limit is £1000, with a single article limit of £100. In addition, the total limit for your valuables is £200. On the Traveller policy, the overall limit is £2000, with a single article limit of £200 and the valuables limit is £350. On Traveller Plus, the overall limit is £2500, with a single article limit of £300 and the valuables limit is £400.

    If you have specified items detailed on your Validation Certificate, the limit for each article is £450 on the True Value and Traveller Policy, and £750 on the Traveller Plus.

    How to Claim for Lost or Stolen Baggage

    You can download a baggage claim form and return to us with the relevant police report and evidence of ownership.

    Download a baggage claim form

    You can either complete this by hand and attach the theft report and proof of ownership and send into our claim service for reimbursement. You can also complete it on a PC or MAC, scan your documents and then email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Note: To complete the Claim form, please download to your desktop and use Adobe Reader to open it. Adobe will also allow you to digitally sign the form. If you are unsure about any part of the form, please just leave it blank. Our claims service will email you if they need more information.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note your travel insurance does carry an Excess of £125 on the True Value Policy, £75 on the Traveller and £35 on the Traveller Plus. If your claim is equal to or less than that amount then you claim will be denied unless you have the Excess Waiver. Please check your Validation Certificate.

    Damaged Items in Baggage

    If an item has been damaged on your journey, for example a laptop or a mobile phone, don’t throw it away! Take it to an authorised repair centre, either wherever you are or on your return home if you’re due back home soon. If they can repair it, keep the receipts. If they cannot repair it, get written confirmation from them stating that they couldn’t repair it, detailing the item and the serial number. Note you do have to prove you owned said laptop/mobile phone to start with, so our claims service will need to see the original purchase receipt. If the item is of high value and was a gift you will still need to provide evidence of ownership in the absence of the original purchase receipt.

    Do remember that we cover your baggage for damage, but we don’t cover wear and tear, denting or scratching, or "moth or vermin" damage. So, if your camera or laptop just stops working for some unknown reason, it’s probably at the end of its natural life so any claim would probably fail.

    How to Claim for Damaged Items

    Just follow the same procedure and form as Lost or Stolen Baggage above.

  • Money Claims

    In the case of each claim, you are required to obtain written proof of the incident relating to the loss or theft from the police, the accommodation management, tour operator or airline within 24 hours of the loss/theft. Without this written proof, any claim will most probably fail.

    In addition, you must provide proof of the withdrawal of money from a bank. Please remember that the loss of money must occur whilst you were carrying it or it was left in a locked safety deposit box.

    Note the cash limit on True Value policies is £150, True Traveller £250 and Traveller Plus £500.

    How to Claim for Money

    You can download a money claim form and return to us with the relevant police report and evidence withdrawal.

    Download a money claim form

    You can either complete this by hand and attach the police report and proof of withdrawal and send into our claim service for reimbursement. You can also complete it on a PC or MAC, scan your documents and then email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Note: To complete the Claim form, please download to your desktop and use Adobe Reader to open it. Adobe will also allow you to digitally sign the form. If you are unsure about any part of the form, please just leave it blank. Our claims service will email you if they need more information.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note your travel insurance does carry an Excess of £125 on the True Value Policy, £75 on the Traveller and £35 on the Traveller Plus. If your claim is equal to or less than that amount then you claim will be denied unless you have the Excess Waiver. Please check your Validation Certificate.

  • Cancellation Claims

    This is where you have to claim for cancellation before your trip starts. The reasons we can accept for cancellation is detailed within the Policy Document.

    The travel agent, tour operator, provider of transport or accommodation must be contacted immediately and you must obtain a cancellation invoice. The original tickets and booking forms/receipts will also be required to support your claim.

    How to Claim for Cancellation

    Download a claim form using the link below, complete it and send it off with all original documentation. The claims service will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the cancellation).

    Download a cancellation claim form

    You can also complete and scan the form and relevant additional documents required to support your claim, and email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note your travel insurance does carry an Excess of £125 on the True Value Policy, £75 on the Traveller and £35 on the Traveller Plus. If your claim is equal to or less than that amount then you claim will be denied unless you have the Excess Waiver. Please check your Validation Certificate.

  • Curtailment Claims

    Curtailment is when you must end your trip early to return home, due to a medical issue which you have or if you should return home early due to a medical issue with an immediate relative or travelling companion.

    Call the 24/7 Emergency Medical Assistance Service immediately. If you’re in the USA or Canada, you can call toll-free on 1 800 457 7930, and in the rest of the World you can call +44 20 7183 3751.

    Their authorisation must be obtained before you cut short your trip. All original ticket stubs/booking forms/receipts should be retained and submitted to support your claim.

    How to Claim for Curtailment

    Download a claim form using the link below, complete it and send it off with all original documentation. The claims service will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the curtailment).

    Download a curtailment claim form

    You can also complete and scan the form and relevant additional documents required to support your claim, and email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note your travel insurance does carry an Excess of £125 on the True Value Policy, £75 on the Traveller and £35 on the Traveller Plus. If your claim is equal to or less than that amount then you claim will be denied unless you have the Excess Waiver. Please check your Validation Certificate.

  • Travel Delay Claims

    This part of the policy applies if your first flight from your home is delayed for 12 hours or more, or your last flight back home, again for more than 12 hours.

    If you are travelling within, or from or to a country in the EU, compensation is available under EU rule 261/2004 for delays of 3 hours or more. Please read this link on what to do in this situation.

    Written confirmation must be obtained from the airline, shipping, coach or train company stating the period of the delay and the reason for the delay. Please remember that cover for travel delay is provided for specific reasons only:

    a) strike or industrial action (provided that when this policy was taken out and or the trip was booked, there was no reasonable expectation that the trip would be affected by such cause)

    b) adverse weather conditions

    c) the mechanical breakdown or technical fault of the aircraft, coach or sea vessel

    How to Claim for Travel Delay

    Download a claim form using the link below, complete it and send it off with all original documentation. The claims service will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the delay).

    Note there is no cover for Travel Delay on True Value policies. On the Traveller policy, you can claim £25 for every 12 hour delay up to £100, and on the Traveller Plus policy, you can claim £35 for every 12 hour delay up to £140.

    If, after a delay of more than 24 hours you elect to abandon your trip, you can claim for Trip Abandonment. Please refer to your Policy Document for levels of cover.

    Download a travel delay claim form

    You can also complete and scan the form and relevant additional documents required to support your claim, and email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note no excess applies for travel delay claims.

  • Missed Departure Claims

    This part of the policy applies if you miss your flight from your home country to your destination, or your last flight back to your home country. There are specific reasons detailed in the Policy Document which apply, and you should read that first to ensure your claim will be met. If you didn’t leave enough time to get to the airport and missed your flight, then that claim would most probably be denied.

    Written confirmation must be obtained from the Transport Company, police or roadside assistance service confirming the location, reason and duration of the delay.

    How to Claim for Missed Departure

    Download a claim form using the link below, complete it and send it off with all original documentation. The claims service will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the missed departure).

    Note there is no cover for Missed Departure on True Value policies. On the Traveller policy, you can claim up to £500, and on the Traveller Plus policy, up to £1000.

    Download a missed departure claim form

    You can also complete and scan the form and relevant additional documents required to support your claim, and email everything into claims@truetraveller.com. Do note iPhones and Android devices all have scanner "apps" which are much more efficient than taking photos of everything.

    Our claims service aim to settle all claims within 10 working days; however, they do not acknowledge receipt of your claim forms. If you haven’t received any communication from them after 10 working days, please contact us and we will chase them up for you.

    Do note no excess applies for missed departure claims.

  • Personal Liability and Legal Assistance Claims

    Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit liability at any time. The Claims Service must be notified immediately by email on claims@truetraveller.com or by phone on +44 330 660 0549 (from overseas) or 0330 660 0549 (within UK).

  • Collision Damage Waiver Excess Claims

    Contact the Claims Service for a claim form by email on claims@truetraveller.com or by phone on +44 330 660 0549 (from overseas) or 0330 660 0549 (within UK).

    They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the incident giving rise to a claim). Invoices, original receipts and other documents confirming the amount you have paid in respect of the accident / damage or loss for which the vehicle rental company holds you responsible should be retained along with a copy of the rental contract and law enforcement / police report (if applicable) submitted to support your claim. A copy of the driving licence of the person involved in any accident (the driver) will also be required.

  • Financial Failure Protection Claims

    To claim, either visit the IPP website at www.ipplondon.co.uk and download a claim form or write to IPP Claims Office, 22-26 Station Road, West Wickham, Kent BR4 0PR. You can also telephone them on +44 20 8776 3752 or email info@ipplondon.co.uk. The claim should be advised to IPP as soon as reasonably practicable and in any event within 14 days. IPP will only accept claims submitted up to six months after the failure. Any claims submitted after the six-month period will NOT be processed.

Valuables

Means Watches, furs, jewellery, photographic equipment, binoculars, telescopes, computers and or accessories (including laptops, tablets, e-readers, games & gaming consoles), mobile telephones, video equipment, drones (UAV), camcorders and audio equipment including personal stereos, DVD, iPods and MP3 players, CDs, DVDs, tapes, films, cassettes, cartridges, headphones, musical instruments, televisions and satellite navigation equipment.


Valuables

Means jewellery, watches, gold, precious stones and articles made of/or containing gold, silver or precious metals, photographic, TV, audio, CD’s, MP3 Players, video, computer, GPS/navigation, electrical equipment, binoculars, optical equipment, telescopes and animal skins.


D
D

Policy Download

To view the True Traveller Insurance policy wording please click on the image below:

Insurance Book
Note for old policies:

For policies purchased between 1 April 2016 and 31 March 2017 please click here

For policies purchased between 1 March 2015 and 31 March 2016 please click here


To view our Policy Wording your computer requires Adobe Reader. If your computer does not yet have Adobe Reader installed then you can download it from here.

Adobe Reader

Our Insurer

Your True Traveller Policy is insured by AWP P&C S.A., Dutch Branch, trading as Allianz Global Assistance Europe, part of the Allianz Group, one of the world’s largest insurance companies.

Insurer

According to Forbes Magazine, Allianz are even bigger than Microsoft, so you’ll be in good hands!


Already Travelling – No Problem

If you’ve already started travelling, and you previous insurance has run out, or you simply forgot before you left to take out travel insurance, you can simply apply online and get cover immediately.


Do however note, if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then we can’t help. Insurance is there to assist you in the event that something may happen, not for things which have already happened.


91 Activities as standard

Your Traveller Policy includes 91 activities as standard, which includes Bungee Jumping, Horse Riding, Safari Touring, Scuba diving to 18M and lots more activities you may end up partaking in on your trip. We even include non-manual work if you’re on a Working Holiday, and include bar and restaurant work as well.


We have our Adventure Pack and Extreme Adventure Pack you can select when you apply for your Insurance with us, which covers even more activities, to even include Rock Climbing, Trekking to unlimited altitudes as well as light manual labour again if you’re on a Working Holiday.


24/7 Medical Assistance Service

If you have an accident on your trip and end up in Hospital, we have a team at Intana Global in London who have multi-lingual staff and medical professionals on duty, 24 hours a day, 7 days a week.

You can call them from overseas on +44 20 7183 3751, or if you’re in the USA or Canada, you can also call toll free on 1 800 457 7930.

They will be able to assist you and get your medical bills paid, and in cases where it’s medically necessary, arrange to fly you back home for further medical attention.


Choose your Activity Pack

The Traveller Pack is included as standard on all our policies. However you can upgrade to more adventurous activities to ensure you are covered when undertaking these activities. If there’s an activity not listed, just contact us and we will see if we can get it included for you.

Traveller Pack
Abseiling Aerobics
Archery Athletics
Badminton Ballet
Banana Boating Baseball
Basketball Black Water Rafting (grades 1-3)
Bowls Bungee Jumping (2 jumps)
Camel riding (day tour) Canoeing (inland/ coastal – grades 1-3)
Caving (sightseeing/ tourist attraction) Recreational Visit only Cheerleading
Clay pigeon shooting Cricket
Croquet Cruising (Cruise Ship)
Curling Cycling (incidental to the trip)
Cycling (on an organised tour) Dodge Ball
Dragon Boating (inland/ coastal waters) Dune Bashing
Elephant riding Field Hockey
Fitness Training Fishing (inland/ coastal waters) - Sports/ Leisure fishing only – no commercial or rock fishing
Floorball Flying (as a fare paying passenger in a licenced scheduled or chartered aircraft or helicopter)
Football (Soccer) Go Karting
Golf Gymnastics
Horse riding (leisure/ social/ non-competitive) - No racing/ jumping Hot Air ballooning
Ice skating (indoor) Ice skating (outdoor) on a commercially managed rink
Jet boating (inland/ coastal waters) Jet skiing (inland/ coastal – grades 1-3)
Kayaking (inland/ coastal – grades 1-3) Kite boarding (on land or water)
Lacrosse Martial Arts training (non-contact)
Motorcycling (on road under 125cc) (Helmet must be worn) – No Motorcycle Touring Netball
Non Manual/ Clerical Work # Orienteering
Outdoor endurance courses up to 3 miles Outward Bound Pursuits
Paint Balling/ Airsoft Parachuting (1 jump)
Parasailing/ Parascending (Over water) Racquetball
Rifle range/ Sports shooting River Boarding/ Hydro Speeding (grades 1-3)
Roller Skating/ Rollerblading Rounders
Rowing/ Sculling (inland/ coastal waters – no white water) Running/ Jogging (up to half marathon distance)
Safari Travel Sandboarding/ Sand Skiing
Sailing (inland/ coastal waters) Scuba Diving (up to 18 metres in depth)
Segway Tours (Helmet must be worn) Skateboarding (ramp, half pipe, skate park, street)
Snorkeling Snowshoeing (Flat Terrain)
Softball Speed Boating (inland/ coastal waters – no white water)
Squash Stand up Paddle Surfing/ Paddle Boarding
Surfing Swimming (pool; enclosed, inland/ coastal waters)
Swimming with Dolphins/ Whales/ Whale Sharks Table Tennis
Tandem Skydive (1 jump) Tennis
Trampolining Trekking up to 2,500 metres
Triathlon up to Sprint Distance Tubing on rivers (grades 1-2)
Ultimate Frisbee Volleyball
Wall Climbing (Man-made Climbing Walls) – No soloing Water Polo
White Water Rafting (grades 1-3) Windsurfing (inland/ coastal)
Yoga Zip Lining
Adventure Pack
Aerial Safari Bicycle Polo
Black Water Rafting (grades 4-5) Bouldering – No soloing
Boxing (training only) Bungee Jumping (3 or more jumps)
Camel Trekking (overnight/ main mode of transport) Canyon Swinging
Canyoning Canoeing (inland/coastal – grades 4-5)
Cycle Touring (No intercontinental touring) Dirt Boarding
Dogsledding (on recognised trails) Elephant Trekking (overnight/ main mode of transport)
Fencing Fishing (outside coastal waters/ deep sea) – Sport/ Leisure Fishing only
Fly By Wire Glacier Walking
Kayaking (inland/coastal – grades 4-5) Kite Buggy/ Kite Surfing/ Kite Wing (land, water)
Land Surfing Marathons
Martial Arts - Judo/ Karate only (training only) Motorcycling (on road over 125cc) (Helmet must be worn) – No Motorcycle Touring
Mountain Biking (off road/ cross country) Outdoor endurance courses up to 8 miles
Outrigger canoeing (inland/ coastal waters) Quad Biking (Helmet must be worn)
Permitted Manual Work * Rock Climbing (outdoor/ traditional/ sport climbing/ bolted/ aid climbing) – No soloing
Roller Hockey Sailing (outside coastal waters)
Scuba Diving (up to 40 metres in depth) Shark Cage Diving
Spearfishing Trekking up to 4,500 metres
Triathlon to Middle Distance Via Ferrata
Volunteering Water Skiing/ Wakeboarding/ Wake Skating (No jumping)
White Water Rafting (grades 4-5) Zorbing
Extreme Adventure Pack
American Football Australian Rules Football (AFL)
Caving / Potholing (as part of a group, not ice; known routes only) Cycle Racing/ Time Trial
Cycling - BMX Flying (as pilot or passenger of a private light aircraft) - No Stunt/ Aerobatics or Commercial flying.
Gaelic Football Gliding
Horse Riding (Equestrian, Dressage, Show Jumping, Eventing) Motorcycling (on road over 125cc) (Helmet must be worn) – No Motorcycle Touring
Mountain Biking (using downhill trails and/or mechanical lifts) Outdoor endurance courses up to 13 miles
Rugby (League/ Union) Scuba Diving (up to 50 metres in depth)
Tandem Paragliding (1 flight) Trapeze/ High Wire
Trekking over 4,500 metres Water Skiing (Barefoot)

# Non Manual/Clerical World means professional, clerical or administrative work or working as a classroom teacher, classroom assistant, au pair, child-minder, bar and restaurant work.

* Permitted Manual World means general farm work and fruit picking. This includes driving tractors and other similar farm vehicles so long as you comply with any appropriate license requirements; doctor, nurse, midwife and care work (including medical elective trips but not dental elective); light building and DIY e.g. painting, decorating or basic construction work using light power tools only. Permitted Manual Work is not covered if it involves the use of plant/trade/industrial machinery, non-domestic power tools or working at a height of over 2 metres.

Please Note: The above list of activities is subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.


Are you already travelling?

Can I take out this Insurance if I’m already abroad?

If you are normally a resident of the UK or an EEA Country and your insurance has run out, you may take out cover online with us for Single Trip policies. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Obviously, this insurance will not pay for your belongings if you’ve already lost them, medical bills if you’ve already incurred them or any other events known to exist at the time of arranging cover which might give rise to a subsequent claim. Note, purely as an anti-fraud measure, there is no cover in the first 48 hours after you’ve taken out your policy, except of course in the case where you suffer an injury as a result of an accident.

Please note if you are already travelling, you MUST select this option otherwise your Policy is not valid.

If I take out Insurance and get ill, where will I get repatriated to?

In the unlikely event of this happening, you will be repatriated back to your home country as long as the appropriate geographic premium has been paid and it has been agreed by the 24 hour Emergency Medical Assistance Service.

Please Note: The above FAQ’s are subject to the full policy terms and conditions which we suggest you read to ensure you are happy with the cover you elect to arrange.


Where do you normally live?

Please select one of the options of your Country of Permanent Residence. Please note we can only insure people who are permanent residents of the UK or another country in the EEA.

Your Country of Permanent Residence is the country where you:

  • Are a citizen or a legal permanent resident
  • Have access to medical care in that country through a National Health Insurance Scheme and/or private health insurance
  • Will be medically repatriated to for ongoing medical care if it’s necessary in the event you have a bad accident or becoming very ill on your trip
  • Have unrestricted and unconditional right of entry
  • Have a residential address

Note if you have recently been travelling, we do not have any minimum residency requirements. This means, for example, if you are a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you fulfil all the requirements as set out above.


Choosing your date

When selecting a start date for Multi-Trip policies please note that cancellation cover for any trips will not commence until the start date you choose, therefore the start date of your policy should not be the start of your holiday unless no cancellation cover is required.


Note that for Single Trip policies, cancellation cover is in place from the date you purchase your policy.


Travellers Ages

Please enter your age that you are today. For infants aged under 1, please enter 0 as the age.


Travelling To Caution

Please select where you are travelling to.


Residence Caution

Please choose your country of residence.


Blank Age Caution

Please enter your age.


Min Age Zero Caution

Age cannot be zero.


Caution

Please note to enter any sort of financial contract the individual purchasing the insurance must be 18 years of age or older.

By continuing, you are confirming that you are a parent or legal guardian on behalf of the child to be insured.


Already travelling Caution

Please check already travelling checkbox.


Important Notice


We are able to offer travel insurance for you if you’ve left home and already travelling but only on the strict understanding that nothing has occurred yet which has led to a claim or may lead to a potential claim.

This means, for example, that if you have already lost an item of baggage, have already seen a medical professional or are feeling ill or have been injured and about to see a medical professional, then this policy will not pay for any part of any claim, and any claim attempted in such situations may be treated as fraud, which is a criminal offence.

There is a 48 hour waiting period before the insurance takes effect as an anti-fraud measure. However, in the event of an injury sustained in an accident which is verifiable, then you are covered from the date cover commenced.

Note there is no 14 day cooling off period when already travelling overseas so no refund of premium will be made in the event you cancel the policy.


Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 366 days if you are 50 years or age or more. Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it's always possible to extend cover with us even if you're still travelling at the end of this period.


Trip Type Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 548 days (18 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.

Note: If you need 2 years cover, please change your destination to Worldwide including USA & Canada.


World Wide Trip Maximum duration Caution

Sorry, the maximum length of a policy you can have is limited to 731 days (24 months). Please amend your End date to  in order to get a quote.

Please amend your end date accordingly, and remember it’s always possible to extend cover with us even if you’re still travelling at the end of this period.


Maximum Advance Booking Caution

Sorry, you can only start a policy with a commencement date up to 364 days from today’s date, so please amend your start date.


Caution

Sorry, due to the fact that the majority of our insurances are for adventurous activities or for backpackers, the maximum age we are able to insure to is 65.

We therefore recommend you visit goodtogoinsurance.com, who are specialists in arranging travel insurance for persons aged over 65. You can go straight to their website by clicking here or you can telephone them on 0330 024 9949.


Start Date Caution

Please select the travelling start date.


End Date Caution

Please select the travelling end date.


Cookie Policy

We use cookies to improve your browsing experience and help us improve our websites. By continuing to use our website, you agree to our use of such cookies. Find out more about cookies here.


Regulatory Notice

enRegulatory

Please note that this website, all documentation and communication in relation to this policy is available in the English Language only.


Important Notice


We have detected that you are using a computer which doesn’t appear to be located in your Country of Permanent Residence.

Please be aware that you must choose the “Already Travelling” option on this page to ensure your policy is valid. Without the Already Travelling endorsement shown on your Policy, the policy is simply not valid and claims may be declined.

You may of course be purchasing this insurance for someone else, or you may be using a Corporate Internet routing through another country which we cannot detect, so if that is the case then please contact The True Traveller by telephone where one of our operators will be pleased to assist.


Start Date Caution

The start date of your insurance is in the past. Please correct the start date.