Frequently asked questions

Please find below a range of frequently asked questions about Holidayrisk Travel Insurance and our products.

If you can’t find an answer to your question, or would like some further information please call us on 020 3859 7000 or email us at cs@holidayrisk.com .


Coronavirus Statement

Holidayrisk Travel policies include cover for emergency medical expenses claims due to Coronavirus whilst travelling (including if you have to cut short your trip) and Cancellation claims if you either test positive for Coronavirus and it is within 14 days of your trip departure date, or you are admitted to hospital due to testing positive for Coronavirus after the purchase of the policy, provided that you have received the recommended number of doses of an approved Coronavirus vaccine 14 days prior to your trip commencing. This vaccination requirement shall not apply where you were ineligible for vaccination, or unable to receive the vaccine for medical reasons, and this is shown in your medical records.

There is NO cover for any claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus on ALL other sections of cover.

In addition, there is also NO cover under this policy:

  • if having no symptoms of Coronavirus and you have not tested positive for Coronavirus you are advised to quarantine or you choose to self-isolate due to a person you have come into contact with having Coronavirus.
  • for claims relating to the fear or threat of a pandemic and/or epidemic, including but not limited to Coronavirus.

For more details on how this may affect you, please click here to visit our Coronavirus Cover Fact Sheet.

Full details of the cover our policies provide, can be found in the Policy Wording.

Can Holidayrisk provide cover for existing medical conditions?

Yes, we can cover a wide range of pre-existing medical conditions. Please call us on 020 3859 7000 or get a quote now by clicking here .

Who do I contact in the event of a medical emergency?

Please contact the Medical Emergency Assistance Company as soon as possible on + 44 (0)1444 465570. They are available 24 hours a day, 7 days a week.

What is IPT?

IPT is Insurance Premium Tax. It is a government levied tax applicable to all policies and is at the current rate of 20%. IPT is included in all of our prices.

What happens if I need to cancel my trip due to ill health or injury?

You are covered up to the amount shown in the table of benefits within the policy wording if the cancellation of your trip is necessary and unavoidable as a result of you dying, becoming seriously ill or being injured.

Is the country I’m travelling to classed as European or Worldwide?

Our country geographic definitions are provided in our policy wordings and there is also an information link next to the destinations drop down on our quote page.

Does your annual policy cover trips within the UK?

Yes, cover is provided for trips in the United Kingdom if you stay in accommodation which you have paid for in advance of the date you depart on your trip or if you have paid for public transport or air fares in advance of the date of departure to enable you to reach your destination in the United Kingdom. All trips within the United Kingdom must be for at least one night away from home.

What happens when my annual multi-trip policy expires?

We will write to you at least 21 days before your annual multi-trip policy expires to remind you that your policy is about to expire. If you have any questions about how to purchase a new policy, please contact us to speak to a member of our sales team.

What is an excess?

If you need to make a claim under certain sections of cover where an excess applies, we will deduct the amount of the policy excess from the sum we pay you for any valid claim. The excess will apply to each person claiming and to each incident and to each section of the policy under which a claim is made.

What is an excess waiver?

On our Silver and Gold policies, you can pay an additional premium to remove all excesses from the policy. Please call us on 020 3859 7000 for further details.

Do you cover Repatriation?

Yes, repatriation (where it is medically necessary) is included under the Medical Expenses section of our policies. If you need to be repatriated back to the UK you must, in the first instance, contact the Medical Emergency Assistance Company on + 44 (0)1444 465570. They are available 24 hours a day, 7 days a week.

Are we covered if we travel separately on a family or single parent family annual policy?

Yes, all insured persons are insured to travel on their own, although children must be accompanied by a responsible adult.

Are my personal possessions and baggage covered?

Yes, your personal belongings and baggage are covered up to the amount shown in the table of benefits within the policy wording. Please see our ‘Policy Details’ page for further details.

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

We always recommend that you take your full policy wording and policy certificate with you, which contain important information.

How many times can I travel on an Holidayrisk annual policy?

All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 31 days. This trip limit can be increased on some cover levels, if you pay an additional premium. Please call us on 020 3859 7000 for further details.

Do I need to tell you every time I travel on an annual policy?

No, you do not need to tell us each time you travel, providing you are still travelling within the destination area covered by your policy and your trip is not for longer than 31 days. If you plan to travel for a longer period please call us on 020 3859 7000.

I am travelling today. Can I buy a policy?

Yes, you can buy a policy for travel today. You can click here for a quote and get immediate cover by clicking here, alternatively please call us on 020 3859 7000.

Do your policies have a maximum age limit?

We are able to provide cover on all our policies, for customers aged up to and including age 75 years of age. Age is at the date the policy is purchased

What is the maximum trip duration on my annual policy?

All our annual policies cover you for an unlimited number of trips during the year, providing each trip does not last more than 31 days. This trip limit can be increased on some cover levels, if you pay an additional premium. Please call us on 020 3859 7000 for further details.

Does my annual policy cover me for skiing?

If you have selected the winter sports option, then you are covered for winter sports subject to paying an additional premium.

What is the maximum duration for a single trip policy?

We can cover single trips up to 90 days in duration, dependent on your age. Age is at the date the policy is purchased. Please call us on 020 3859 7000 for further details.

Do you sell group travel insurance policies?

Yes, we do. Please call us on 020 3859 7000 or email us at cs@holidayrisk.com

Is your travel insurance only available to UK residents?

Yes, we can only provide you with cover if you are permanently resident in the United Kingdom: England, Scotland, Wales, Northern Ireland and the Isle of Man.

Who is eligible for a Holidayrisk travel insurance policy?

    This policy is only available to you if:
  • You are permanently resident in the United Kingdom and have your main home in the United Kingdom;
  • You have been in the United Kingdom for a minimum of 6 months in the year prior to purchasing your insurance policy;
  • You are registered with a doctor in the United Kingdom;
  • You have a UK National Insurance number (where aged 16 years of age or older);
  • You are in the United Kingdom at the time of purchasing this policy. (Any trip that has begun when you purchase this insurance will not be covered.);
  • You are not travelling against the advice of a doctor or where you would have been if you had sought their advice before beginning your trip;
  • You are not travelling with the intention of receiving medical treatment;
  • Your trip starts and ends in the United Kingdom (single trip or annual multi-trip cover only);
  • Your trip starts in the United Kingdom (one-way trip cover only).
  • You must be travelling with the intention to return to the United Kingdom within your trip dates unless an extension has been agreed with us and we have confirmed in writing.

Can I travel if I am pregnant?

We do not class pregnancy as a medical condition but airlines, cruise liners and ferry companies will have their own restrictions due to health and safety requirements. You should check with them or any other transport companies you propose to use before you book.

Please make sure that your G.P. and midwife are aware of your travel plans, that there are no known complications and that you are not travelling against any medical advice.

A medical certificate may be requested to confirm this. Claims will only be paid due to complications of pregnancy, or where you were unaware of the pregnancy at the time of purchasing the insurance and you are advised not to travel by a doctor. In any event we will not provide cover for any costs relating to pregnancy or childbirth, if you are more than 26 weeks pregnant at the start of or during your trip. Please refer to our Policy Wording for further details or call us on 0203 859 7000.

How is my policy delivered?

We can deliver your policy by post and by email. Please be aware that the posted documents can take up to 10 working days to arrive. The emailed documents can take up to 5 minutes to arrive in your inbox. Please check your junk or spam folder as sometimes emails may end up here.

When will my documents arrive through the post?

If you have chosen to have your policy documents posted to you, you should allow up to 10 days between you buying your policy and receiving your documents. However, we do always aim for your policy pack to be with you sooner. You can still travel with a printed copy of your emailed documents if the posted documents don’t arrive in time.

I've lost my documents. How do I retrieve them?

If you have lost your policy documents, and would like your documents resent or, if you have any other problems accessing your documents online, please call us on 0203 859 7000.

I've left the UK and forgotten to get insurance. Can I still get cover with you?

Unfortunately, we are not able to cover you if you have already left the UK.

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