Travel Insurance

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Affordable travel insurance for holiday or business travellers. Ask us for a quote if you’re doing something a little different, or if you’re a non-standard risk owing to your age or medical situation.

Single Trip and Annual Multi-Trip Travel Insurance

• Single Trip Cover

Single trip cover offers great savings on flexible options, with gold, silver and bronze options including a range of medical expenses, baggage and cancellation cover. This can be for between 1-90 days and you’ll also have the option of extending your trip cover before it expires.

• Annual Multi-Trip Cover

Save time and money by insuring all your annual trips under one policy! Gold, silver and bronze options provide up to 17, 31 or 45 days cover per trip, up to £10,000,000 for medical expenses, up to £5,000 for cancellations and £2,500 in baggage cover.

What’s more, there’s no need to contact us each time you travel, just let us know if you have any new medical conditions to declare.

• Europe and Worldwide Cover Options

Only travelling in Europe? If you take out Europe only cover you’ll still have the option of upgrading to worldwide cover at a later date, either with or without USA cover.

• Ski & Snow Board Travel Insurance

Protect your ski and snowboard equipment by adding winter sports cover to your policy.

• Cover with Pre-Existing Medical Conditions

We offer travel insurance to cover travellers with the vast majority of pre-existing medical conditions, without an additional premium loading.

Backpacker and Long Stay Travel Insurance

Designed for gap year and long distance travellers, Backpacker and Long Stay travel insurance gives you the flexibility to cover Europe, Australia/New Zealand, or Worldwide with or without USA/Canada/Caribbean cover. So you won’t pay for any Worldwide cover that you don’t need. This type of policy can last anywhere up to 360 days to suit your adventure.

Over 80s Travel Insurance

With cover options available for travellers of all ages, over 80s can still get great value policies; including cover with or without pre-existing medical conditions and insurance for travelling companions on the same policy.

For more information and a quote, take a look at our over 80s travel policy details.

Is travel insurance compulsory?

Travel insurance is not a mandatory requirement like car insurance is. However, it’s highly recommended to give you protection in the unfortunate event your holiday doesn’t go according to plan.

It’s also worth keeping in mind that many countries, such as Cuba, may require proof of cover before allowing you entry.

Is Travel Insurance Worth it?

According to the Association of British Insurers (ABI), the cost of the average annual travel insurance policy is £37. This is much cheaper than the average medical claim (£1,300) and cancellation claim (£816).

The question is, how much risk do you want to take?

The last thing you want on your mind during your well-earned holiday is the cost if the worst should happen.

How Much Travel Insurance do I Need?

Not all policies are equal and some will provide a more complete level of cover. Think about what cover you need; if you aren’t travelling outside of Europe then worldwide insurance may not be necessary.

What is Usually Covered?

Your policy will likely cover you for most ‘common’ claim situations:

• medical expenses
• personal liability
• lost or stolen possessions
• flight cancellations and delays
• end supplier failure
• ending your trip early due to illness or a family emergency

What may not be Covered?

The following may not be included in all policies and could be optional extras.

• extreme sports and activities such as surfing, sailing and skiing
• travel to countries that the Foreign and Commonwealth Office (FCO) advises against
• strikes and civil unrest
• natural disasters such as earthquakes, hurricanes and volcanic eruptions
• taking an excessive amount of alcohol or consumed other drugs
• not taking reasonable care of your possessions

You should always check with your insurer to make sure you are unsure of the level of cover you are being provided.

Travel Insurance for ‘High risk’ Individuals

Certain individuals may find it more challenging to get cover. This is because they are perceived as a higher risk by insurers. This may include you if you:

• are aged over 65.
• have a medical condition. Note that these must be declared otherwise your policy may be invalid.

At the Complete Cover Group, we deliver the extra help people need to find affordable, specialist cover for their individual risks. There is no upper age limit so we can provide competitive quotes you whether you’re 18 or 80.

Do I need travel insurance for Europe?

Although travel insurance isn’t required for travelling to Europe, or any part of the world, it’s highly recommended.

A European Health Insurance Card (EHIC) entitles you to use state-provided healthcare during a temporary visit to another country in the European Economic Area (EEA) or Switzerland. The UK has issued 27 million of these cards according to the Department for Health.

This is however not an alternative to taking out a comprehensive travel insurance policy. A EHIC doesn’t cover the costs of:

• Private medical healthcare
• Lost or stolen property
• Delayed or cancelled flights
• Being flown back to the UK (repatriation)

Also note that the EHIC won’t cover you for cruises. For more information, see this page on the NHS’s website.

For complete protection, it’s highly advised to have both travel insurance and a EHIC for visiting European countries whether you are travelling to France, Spain or another country.

When should you buy travel insurance?

According to Money Super Market, 34% of people buy their policies one or fewer days before the policy start date.

By purchasing your cover at the last possible moment, you are not only limiting the time you have to find the best possible deal but are also missing out on some of the potential benefits. For example, if you need to cancel your trip before it begins due to illness, redundancy, family emergency or other circumstances.

Therefore, it’s advisable to take out a policy as soon as possible after booking.

Click for a quick and easy quote or visit the travel insurance FAQs for more information.