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Your Trip Details

Please take the time to answer all questions honestly and to the best of your knowledge. Any incorrect information provided may invalidate a claim or your policy.

Annual Multi Trip
Cover for an unlimited number of trips per year for frequent travellers. Automatic cover for all trips of up to 31 days. Cover for up to 45 or 60 days per trip available.


United Kingdom
England, Scotland, Wales, Northern Ireland and the Isle of Man.

Europe 1
Aland Islands, Albania, Armenia, Austria, Azerbaijan, Azores, Belarus,
Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark (including Faroe Islands),
Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar,
Guernsey (including Alderney, Sark and Herm), Hungary, Iceland, Ireland, Israel,
Italy (including Aeolian Islands, Sardinia, Sicily), Jersey, Kosovo, Lapland, Latvia,
Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Moldova, Monaco,
Montenegro, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland,
Portugal, Romania, Russia (west of Ural mountains), San Marino, Sardinia, Serbia,
Slovakia, Slovenia, Sweden, Switzerland, Ukraine and Vatican City.

Europe 2
Those countries listed above and including: Algeria, Andorra, Cyprus, Greece (including Greek Isles), Israel, Malta, Morocco, Spain (including Balearic and Canary Islands), Tunisia and Turkey

Worldwide - excluding Canada, Caribbean, Mexico and USA

All countries of the world EXCEPT:
Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Canada, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Guam, Guyana, Haiti, Jamaica, Leeward Islands, Martinique, Mexico, Montserrat, Netherlands Antilles, Puerto Rico, St Helena, St Kitts and Nevis, St Lucia, St Martin, St Pierre and Miquelon, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, United States Minor Outlying Islands, Virgin Islands (UK), Virgin Islands (US).

Worldwide - including Canada, Caribbean, Mexico and USA
All countries of the world.

Note: No cover is provided for any trip in, to, or through Afghanistan, Iran, Iraq, Liberia, North Korea, South Sudan, Sudan or Syria.

Your Trip dates

Important: For Annual multi trip policies you will not be covered for travel cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

Your Traveller Details

Individual(s) - One person who is 18 years of age or over. Age is at the date the policy is purchased.

Couple - You and your spouse/partner. A partner is defined as a person who is either your husband or wife, civil partner, fiancé or fiancée, boyfriend or girlfriend and who permanently lives at the same address and has done so for a minimum of six (6) continuous months before the trip is booked and before the trip commences.

Family - Up to two adults and any number of their children, step children or foster children aged 17 years of age or under at date of issue of the policy. If annual multi trip, all insured persons are insured to travel on their own (children must be accompanied by a responsible adult).

Group - A group of individuals travelling together, who may not be related. A group can be up to 7 people.

Single Parent - One adult and any number of his or her children, step children or foster children aged 17 years or under at date of issue of the policy. If annual multi trip, all insured persons are insured to travel on their own (children must be accompanied by a responsible adult.

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Medical Declarations

This policy contains conditions relating to your health.

Please note: We are unable to provide cover for any claim arising as a result of an existing medical condition of a non-travelling close relative, close business associate or friend living abroad who you had planned to stay with, or any known or recognised complication of or caused by the existing medical condition.

If you are answering the medical questions on behalf of someone else, you must make sure that you have their permission to do so and you have all of the required information to answer the medical questions fully and accurately. If you are not sure of (or do not know) any of the information you are giving us, the answers must be checked with the treating G.P.

Failure to accurately and fully declare all medical condition(s) for everyone to be insured on this policy will affect your cover and may result in your claim being declined.

At the time of purchasing this policy have you, or anyone travelling with you, ever had treatment for:

Any heart or circulatory condition, stroke or high blood pressure?

A breathing condition (including asthma)?

Any type of cancer?

Any type of diabetes?

Any psychological conditions such as stress, anxiety, depression, eating disorders or mental instability?

Has your doctor altered your regular prescribed medication in the last 3 months?

In the last 2 years – have you or anyone who is travelling  with you, been treated for any medical condition, asked to take regular prescribed medication, or seen by a specialist, or consultant at a hospital for tests, diagnosis or treatment?


There is an on-going health warranty on your cover.

If you or any insured person have any change in health, or your answers to any of the questions you have answered today change at any point after the purchase of this policy, you must contact us by telephone to inform us of this change in health before travelling and paying the balance in any payments to ensure you are fully covered for your trip. Cover will only apply if such changes are accepted by us and confirmed in writing to you.

If you have answered Yes to any of the questions above you should, on the next page, add your medical conditions & history by following the instructions given.

Promotional Code

If you have a discount or promotional code, please enter it here:

Important Information


This insurance policy will ONLY provide cover for claims as a result of pandemic and/or epidemic, including but not limited to Coronavirus within the following sections:

Section A (Cancelling your trip), Section B1 (Medical and other expenses outside of the United Kingdom), Section B2 (Expenses within the United Kingdom), Section C (Cutting your trip short) and Section L (End supplier failure including scheduled airline failure); 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.

Please be aware: There is no cover under this policy if (having no symptoms of Coronavirus and/or not testing 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.

Foreign, Commonwealth & Development Office (FCDO) advice

This insurance policy will not cover you to travel to a specific country or to an area where, prior to your trip commencing, the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel. This exclusion does not apply where your destination is within Europe 1 or Europe 2 (see the definition of ‘Geographical Areas’ within the policy wording) and where the Foreign, Commonwealth & Development Office (FCDO) have advised against all (or all but essential) travel solely due to the Coronavirus risk.
It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at Foreign travel advice - GOV.UK .

Medical conditions that we cannot cover

We are unable to provide any cover for any medical condition for which you, or anyone else to be covered by this policy, have not received a diagnosis, are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.

Cruise cover

There is no cover provided for cruises unless you have selected and paid the appropriate additional premium and cover is shown on your policy certificate. In any event, there is no cover for cargo or container ship travel.

Eligibility conditions

By clicking the 'I Agree' box you are confirming that you have read, understand and meet our eligibility conditions.

  • 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.

Our policies provide cover for Coronavirus (click here for full details).

Why choose Holidayrisk?

  • 24/7 medical emergency helpline.
  • Cruise Cover, Excess Waiver, Gadget Cover, Golf Cover, Wedding Cover, Winter Sports, available for an additional premium.
  • Easy claims process.
  • Excellent customer service.

Contact Us

By Email, by Telephone or by Post we're happy to help.

If you have a question about our products or your policy you may find the answer within our FAQs (Frequently Asked Questions) page, a link to which can be found in the panel above.

Call us
020 3859 7000 Mon–Fri 9am–5pm (excluding public Holidays)

Email us

(MaPS) Travel Insurance Directory

In line with the The Money and Pensions Service (MaPS) launch of a travel insurance directory on its Money Advice Service website for those individuals with serious ongoing pre-existing medical conditions which we are unable to provide cover. You may refer any enquires in regards to the MaPS directory to the Money Advice Service’s Customer Contact Centre which is available from Monday to Friday, 8am to 6pm: 0800 138 7777.