All Policies Include Coronavirus Cover

Coronavirus Cover

Questions about cover for coronavirus? Read our FAQs and find out what our policies can do for you. If you would like to contact us, please note we are currently only available 09:00 to 17:30 Monday to Friday due to reduced operational capacity. Thank you.

Travel Insurance FAQs

General questions

How do I contact you?

All the details you need to get in touch with us are on our Contact page. Call us, email us or request a call back. Whatever suits you best.

What are your opening hours?

Our customer service team is available Monday to Friday from 9:00am until 5:30pm. You can get in touch here.

The claims team is available Monday to Friday from 8:00am until 8.00pm, and on Saturday from 9:00am until 1.00pm. Find out how to make a claim.

Our emergency assistance helpline is available 24/7 - no matter where you are in the world. All the numbers you need are on our Contact page.

Can I get a quote online?

Absolutely, it's easy. The simple step-by-step process takes just a few minutes to complete. Get started here.

Can I get cover if I'm already abroad?

We can only provide cover if you have not yet left the UK, Channel Islands or BFPO. However we work with a number of specialist travel insurance partners who may be able to help you. Here's a list of providers that may be able to help you.

Can I get cover for a one-way trip?

At Travel Insurance Saver we can only provide cover for trips that depart from, and return to, the UK, Channel Islands or BFPO. However we work with a number of specialist travel insurance partners who may be able to help you. Here are some providers that may be able to help you.

How do I make changes to my policy?

It's easy to make changes to your policy - whether you want to change your dates of travel, your destination or your cover limits. Just call our customer service team on 0345 812 0047 or use the link on our Contact page to request a call back.

How do I get a copy of my insurance documents?

You should have received a copy of your insurance documents by email shortly after purchasing your policy. If that's not the case please visit our Contact page and request for your documents to be resent.

Does my policy cover sports and activities?

A resounding yes. We provide cover for more than 75 sports and activities as standard - including mountain biking (up to 1000m), jet skiing and yoga. For an additional premium we can provide cover for the more high-octane stuff too - such as canyoning, microlighting and ice diving. Find out more about our sports packages here.

Do you cover winter sports?

We sure do. We provide specialist cover for skiing, snowboarding and a number of other winter sports. (Snow tubing or mono skiing, anyone?) Our policies include cover for your equipment as well as things like piste closure. We can even cover off-piste runs. Make sure you add the winter sports extension when getting your quote. Find our more here.

What is an excess?

An excess is the amount you will have to contribute in the event of a claim. It's a normal part of most insurance policies and with Travel Insurance Saver, the excess is between £50 and £150 for most types of claim. You can find the precise excess for each type of claim in your policy documents. Alternatively for a small additional premium you can remove the excess from your cover - meaning you will make no financial contribution in the event of a claim. Please note that the excess waiver does not apply to gadget cover, where the £50 excess will remain.

Am I covered to go on a cruise?

To be covered for a cruise, you need to add the cruise extension to your policy. This will be offered to you during the quote process, but is only available on our Silver and Gold packages. If you have already purchased your policy, it's quick and easy to add the cruise extension. Just call us on 0345 812 0047.

What do you class as a cruise?

Good question. We define a cruise as a pleasure voyage that lasts longer than 72 hours, during which you are sailing as a passenger on a purpose built ship on sea(s) or oceans that may include stops at various ports.

Does Travel Insurance Saver offer all policy types to all destinations?

We offer a range of policies that make it easy to select the level of cover that's right for you, your plans and your budget. Our policies are available no matter where you are going - as long as the Foreign, Commonwealth & Development Office isn't advising against travelling to your destination.

What destination should I select during the quote process?

We have six different location categories. Here's a breakdown to the way we group countries into different regions.

EUROPE EXCLUDING SPAIN:
Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan Azores, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Eire (Republic of Ireland), Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greek Islands, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Norway, Poland, Portugal, Romania, Russia, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, The Channel Islands, Ukraine, Vatican City.

EUROPE INCLUDING SPAIN:
All countries included in Europe excl Spain, but including Spain, Balearic Islands and the Canary Islands.

UNITED KINGDOM:
England, Scotland, Wales, Isle of Man and Northern Ireland.

WORLDWIDE EXCLUDING USA, CARIBBEAN, CANADA & MEXICO:
Egypt, Israel, Morocco, Tunisia, Turkey and anywhere else excluding the United States of America, Canada the Caribbean and Mexico.

WORLDWIDE INCLUDING USA, CARIBBEAN, CANADA & MEXICO:
Anywhere in the world.

AUSTRALASIA:
Australia, including Territory of Cocos (Keeling Islands, The Territory of Christmas Island, Norfolk Island and Lord How Island), and New Zealand, including the Cook Islands, Niue and Tokelau.

What options do I have when selecting a policy?

Our quote process is designed to help you get the cover that's right for you, your travel plans and your budget. There are three levels of cover available as well as a range of optional extras - such as cruise cover or gadget cover - that allow you to configure your policy to match your plans.

Do you cover business travellers?

Yes, of course. In fact we don't distinguish between business and leisure . So if you buy an annual policy you will be covered to travel for business, for pleasure, on your own or with the family. It's up to you! If your work involves manual labour such as construction, please contact us to discuss the cover we can provide for you.

Do you offer backpacker or long stay policies?

Not at the moment. But our sister company - Travel Insurance 4 Medical - does provide backpacker and long stay policies, and may be able to help you.

How do I make a claim?

The process of making a claim is easy. Everything is explained on this page. All Travel Insurance Saver claims are handled by a dedicated team of specialists who work on behalf of the insurer, White Horse Insurance Ireland dac.

What is the maximum sum insured for cancellation expenses?

Our Gold policies provide up to £4,000 cancellation cover. Call us on 0345 812 0047 to find out more.

What happens if I need medical assistance while on holiday?

The best thing to do is to contact the emergency assistance team as soon as it's practical - even if your condition is minor. They operate our medical assistance service and are there to help you. All the information you need is on this page.

Is my mobile phone covered by the policy?

Not automatically. But we do offer a gadget extension, which is easy to add to your policy and should provide the cover you need. Please call our customer services team on 0345 812 0047 to discuss your options.

Are my gadgets covered?

It's increasingly common to take gadgets such as tablets, laptops and digital cameras on holiday. We don't automatically include cover for them. But we do offer a gadget extension that's easy to add to your policy and should provide all the cover you need. Call our customer services team on 0345 812 0047 to find out more.

Do you cover non-UK residents?

Unfortunately we are not able to provide cover for non-UK residents. However we work with specialist partners who may be able to help you. You can find out more on this page. Our definition of a UK resident is: a person who has had their main home in the United Kingdom, the Channel Islands or BFPO and has not spent more than six months abroad in the year before buying a policy.

Single trip cover

What is the age limit for single trip policies?

We can cover travellers aged up to 90.

What is the maximum trip length on a single trip policy?

For travellers aged up to 79 and below we can cover up to 62 days per trip with our single trip policies. However we can provide cover for people aged up to 90 for up to 15 days.

If I purchase my policy today, when am I covered from?

Your single trip policy covers you for the dates you specified when getting your quote - however your cancellation cover becomes active as soon as you have purchased your policy.

Do you provide policies for children or minors to travel on their own?

We cannot provide a policy for anyone aged under 18 to travel separately from the named adults on a policy.

Annual cover

What is the age limit for annual cover?

We can offer annual policies for travellers aged up to 75.

What is the maximum individual trip length on an annual multi-trip policy?

With our annual cover you can travel as many times as you wish across the course of your twelve-month policy, for up to 31 days per trip.

Can named travellers on an annual policy travel separately?

Absolutely. Travellers aged 18 or over can travel together or separately with our annual policies. Either way you will be covered.

If I purchase an annual policy today, when am I covered from?

With annual policies you are covered for cancellation from the start date you specified, which will be marked on your policy documents. If you would like to bring the start date forward in order to be covered sooner, please call our customer services team on 0345 812 0047.

Do you provide policies for children or minors to travel on their own?

We cannot provide a policy for anyone aged under 18 to travel separately from the named adults on a policy.

Medical questions

Do you cover pre-existing medical conditions?

Yes, we provide cover for pre-existing medical conditions. And because we operate our own in-house screening service, you can purchase a policy immediately after declaring your existing medical conditions. It only takes a few minutes and can be done over the phone or online. Just call 0345 812 0047 or start a new quote here.

What medical conditions do you cover?

We can provide cover for thousands of conditions - including heart disease, osteoporosis, cancer and diabetes.

I have a pre-existing medical condition. Will I need to complete medical screening?

In order to make sure you receive the right level of cover, all customers with a pre-existing medical condition must complete a simple medical screening declaration when obtaining a quote. It consists of a few questions about your condition(s) and how they are managed - and often only takes a few minutes to complete. You will be offered an accurate quote immediately after. You can start a new quote here.

Can I declare my medical conditions online?

Yes, we use an online screening system that makes it quick and easy to declare your medical conditions online and receive a quote immediately after. Just follow the step-by-step prompts. You can start a new quote here.

I can't find my condition online. What next?

Don't panic. Just give us a call on 0345 812 0047 and one of our customer service team will be able to help you.

I'm pregnant. Can I still get cover?

We can cover emergency medical expenses for pregnancy/childbirth from week 0 to week 28. For more details please take a look at our policy wording or call our customer services team on 0345 812 0047.

Since purchasing the policy, my health condition has changed. Do I need to let you know?

Yes please. We will need to speak with you to update your policy to make sure you still have all the cover you need for your holiday. Otherwise your entire policy could be invalid. Speak to our customer service team on 0345 812 0047 or use the link on our Contact page to request a call back.

Do your policies cover repatriation?

Yes, all of our policies cover the cost of repatriation.

Can I get cover for a friend or family member's pre-existing medical condition?

Sometimes last-minute changes to a loved one's health can disrupt your holiday plans. Unfortunately we cannot cover you for cancellation or curtailment due to relatives, who are not travelling with you, falling ill as a result of a pre-existing medical condition.