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Travel insurance

Frequently asked questions centre

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Travel Insurance Cover

This will depend on what you want to be covered for. You may wish to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you could need to declare.

We offer a variety of products to help you pick the right one according to your holiday plans and needs.

Our Single Trip policy provides cover for ages up to 100 years old no matter where you are travelling. For Annual Multi-Trip cover, if your trip destination is within Europe or Worldwide Excluding Mexico, USA, Caribbean and Canada you must be aged 80 or under at the start of the policy period. For Worldwide policies, you must be aged 75 or under.

If you purchased your insurance through a comparison site such as Moneysupermarket.com or Compare the Market and have purchased a Single Trip policy and your trip destination is within Europe or Worldwide Excluding Mexico, USA and Canada you must be aged 85 or under. For Worldwide policies, you must be aged 75 or under.

For our Annual Multi-Trip cover, if your trip destination is within Europe or Worldwide Excluding Mexico, USA, Caribbean and Canada you must be aged 75 or under. For Worldwide policies, you must be aged 70 or under.

Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.

For Single Trip policies, the maximum trip durations are

Age 65 and under - 100 days / Age 66 to 75 – 62 days / Age 76 to 85 – 31 days

For Annual Multi-Trip policies, the maximum trip duration is 31 days.

If you purchased your insurance through a comparison site such as Moneysupermarket.com or Compare the Market and have purchased a Single Trip policy the maximum trip durations are

Age 75 and under - 31 days / Age 76 to 85 – 21 days

For Annual Multi-Trip policies, the maximum trip duration is 31 days.

No, only residents in the UK, Channel Islands or Isle of Man, who are registered with a GP can purchase travel insurance from Select & Protect. You must purchase travel insurance before leaving the UK, Channel Islands, or Isle of Man. If you purchase a policy after your trip has commenced there will be no cover and the policy may be void.

The benefits, limits and excesses within your policy are per person, per incident, limited to two excess amounts if more than one insured person is claiming, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.

If you are only planning to travel once in a year, then a Single Trip policy could be more appropriate for you. However, if you are planning to go on holiday more than once in a year then an Annual Multi-Trip policy could be more cost effective and save you having to take out a new policy each time you travel.

You should ensure that each of the holidays you are planning will be covered by the policy you have selected.

Yes, our Single Trip and Annual Multi-Trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed in your policy schedule, where you have pre-booked at least two nights' accommodation or pre-booked transport at least 50 miles from your home.

Travel delay is not covered for any trips within the UK (except for trips to the Channel Islands)

Provided you have not already left the UK, a Select & Protect Travel Insurance policy will provide you with cover as soon as your purchase has been confirmed.

Yes, Single Trip policies do cover you to travel to multiple destinations. Please add all the countries you are travelling to when taking out a quote. The region of travel is noted on the policy schedule. Please see policy wording for Geographical regions.

You can purchase a Single Trip policy up to 12 months in advance and an Annual Multi-Trip policy 30 days in advance. However, you may want to think about purchasing your policy as soon after you book as possible to cover you for cancellation.

You should always check the FDCO travel advice's entry requirements of your intended destination before purchasing a policy. If the FCDO travel advice changes due to a pandemic you would not be covered to cancel your trip. Instead, please speak with your travel agent or tour operator to seek rearrangement or refund. If the FCDO travel advice changes due to a reason other than a pandemic you may have cover to cancel your trip if your costs are not recoverable elsewhere.

No, policyholders must be at least 18 years of age and children aged 17 or under are only covered when travelling with an adult covered under the same policy.

The core elements of Select & Protect Travel Insurance are underwritten by Inter Partner Assistance S.A. UK branch, which is part of the AXA Group.

Gadget Cover is provided by Taurus Insurance Services Limited.

For quotes received before the 8th June 2023 - Our products will include Financial Failure cover which is provided by International Passenger Protection Ltd.

Further details can be found within the Essential Information & Demands & Needs Document and the Policy Wording.

Yes, if you are found liable for damage to someone else's property or cause another person illness, injury or death, then personal liability cover is included on all of our cover options, Bronze, Silver and Gold, up to the amount shown in the Table of Benefits, which can be found in our policy wording.

During the 12-month period you can travel as often as you like as long as the period of any trip does not exceed 31 days.

On an Annual Multi Trip, you do not need to tell us each time you travel, however on a Single Trip policy you do need to advise us of all countries you are travelling to and for Annual Multi Trip policies you need to ensure that you have selected the correct category to cover all your destinations.

For the most part, if your destination doesn't require a VISA to enter then Travel Insurance is thought of as an extra. However, there are some parts of the world where Travel Insurance is legally required for you to enter the country, whether you are from a VISA-free country or not.

Travel insurance can provide financial cover for many eventualities and situations that you might encounter when abroad. This can include medical expenses (paying for medical treatment whilst you are abroad) and medical repatriation (returning you to your home country) which can be very expensive in different countries.

You do not need to live at the same address in order to buy a couple policy.

The policy excess is the amount you pay when you make a claim which is set out in the table of benefits.

Where a claim is made for the same incident only one excess will apply per trip, per insured person (max 2).

If you use a Reciprocal Health Arrangement, any other arrangement with another country or private medical insurance to reduce your medical expenses, you won't have to pay an excess.

Your Health

You need to declare any of the following if in the last 5 years, you or any person to be covered has had any medical advice, treatment (including surgery, tests or investigations) or prescribed medication for:

  • Any cancer condition (including leukaemia, non-Hodgkin's lymphoma, and any type of skin cancer)
  • Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol)
  • Any diabetic condition
  • Any neurological condition (including stroke, brain haemorrhage, multiple sclerosis, epilepsy and dementia)
  • Any breathing condition (including asthma, bronchitis and chronic obstructive pulmonary disease)
  • Any renal, kidney or liver condition
  • Any psychiatric or psychological condition (including anxiety, stress and depression)
  • Any chronic condition that can be controlled but not cured (including back pain, Crohn's, diverticular and coeliac disease and ulcerative colitis)
And/or

  • In the last 12 months any other medical condition for which you or any person to be covered, has been prescribed medication, received or are on a waiting list to receive treatment including surgery, tests or investigations.
Check out our video to find out more about pre-existing conditions, including the importance of declaring them. Find out more.

Pre-existing medical conditions can be related to your physical or mental health.

In respect of travel insurance, this could be defined as a disease, injury, illness, or medical investigations/tests that you had in the past or were suffering from when your policy was purchased.

Check out our video to find out more about pre-existing conditions, including the importance of declaring them. Find out more.

Please contact us on 0345 307 3971 should your medical conditions change so that we can note this on your policy.

The UK GHIC card (that replaced the EHIC card post Brexit) enables you to access medically necessary state provided healthcare in the European Union (EU) and Switzerland at a reduced cost. If you have an EHIC card this will continue to be valid until it expires.

This card does not cover you for repatriation back to the UK, so it is recommended that you ensure you have sufficient insurance. Travel insurance also offers other benefits not covered by the GHIC.

You can use a UK passport to get medically necessary healthcare in Norway. (for example emergency treatment, or to treat a pre-existing condition). Some people can apply for a new UK EHIC that they can continue to use from 1 January 2021 in the EU, Norway, Iceland, Liechtenstein and Switzerland.

Visit Foreign, Commonwealth & Development Office or the NHS to find out exactly what you are covered for and how to apply.

You are covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for medical costs associated with normal pregnancy. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. Any costs arising from your pregnancy or childbirth, if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip, are excluded.

If you require medical treatment in Australia you must enrol with a local MEDICARE office. You do not need to enrol on arrival, but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found in the Health advice for Travellers booklet available from your local Post Office or online.

Alternatively, when travelling, please call the Emergency Assistance Service for guidance. If you are admitted to hospital contact must be made with the Emergency Assistance Service as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE.

https://www.servicesaustralia.gov.au/reciprocal-health-care-agreements-visiting-from-united-kingdom.

If you are not sure you can contact our friendly customer service by sending us a message on the Live Chat. You are also able to email us on travelservice@select-protect.co.uk or calling us on 0345 307 3971.

This is not a private medical insurance policy. The intention of this section is to pay for emergency medical/ surgical/dental treatment only and not for treatment or surgery that can be reasonably delayed until your return to your home area. Our decisions regarding the treatment or surgery that we will pay for (including repatriation to your home area) will be based on this.

What is covered?

You are covered for a cruise holiday as standard for things such as cancellation and medical. You can enhance your cover by adding Cruise Cover when taking out a quote to include more specific things that might happen on a cruise, such as missed port cover, cabin confinement and more.

Please refer to the policy wording for terms and conditions on each section.

Yes, if you buy our Winter Sports cover option. It covers you for medical treatment because of taking part in winter sports activities; damage or loss of skis and skiing equipment, and piste closure. You won't be covered for these as standard. For more information, please see our policy wording.

Yes, the maximum age limit to be covered for Winter Sports is 64.

Please note: Winter Sports is an optional add-on when doing your quote, not something that is included as standard. Winter Sports cover will be limited to 17 days for a an Annual Multi Trip.

You can find a full list of activities covered within our policy wording.

If an activity or sport that you're looking to take part in is not listed within our policy wording , you can speak with one of our agents by sending us a message on the Live Chat. You are also able to email us on travelservice@select-protect.co.uk or calling us on 0345 307 3971.

You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover, and the additional premium is paid.

Winter sports insurance provides cover for emergency medical treatment caused by your participation in Winter Sport activities, the delay, loss, theft, or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.

If you purchase an annual multi-trip policy, you are only covered for 17 days of Winter Sports activity during the insurance period.

All policies offered via our Select & Protect Travel website provide you with Gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need additional cover for your gadgets, we offer an optional gadget extension that you can select when you get a quote with us.

Our policy wording will provide you with what cover your policy provides as standard and what our gadget extension cover will increase these limits to.

Covid Cover

You are covered for medical claims due to COVID-19 while you're away, as long as you're not travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government body in another country.

You will be covered if you have to cancel your trip because you, your travelling companion or close relative has fallen ill with COVID-19.

You'll need to provide evidence to substantiate your claim such as, but not limited to, a medical certificate or an official test result.

You are covered if you have to cancel your trip because you or your travelling companion has to self-isolate due to COVID-19 symptoms.

You'll need to provide evidence to substantiate your claim such as, but not limited to, a medical certificate or an official test result.

Yes, if you are required to self-isolate, due to a positive test result/confirmation from a GP, you will be covered to cancel your trip. Subject to the cancellation not being within the first 48 hours of the policy purchase. Please note: Your policy will not cover cancellation if you do not want to quarantine or self-isolate when you return to your home area.

Documents

You can request a copy of your documents and important information here or by emailing us at documentrequests@select-protect.co.uk with your policy number and which documents you require.

You can also access all of your important travel insurance documents 24/7 in the online portal once registered. Login or register here.

If you need to provide proof of travel insurance when travelling, you can access your Policy Schedule online 24/7 to show them in a digital format. If needed this can be downloaded and printed off at home.

You can access this and all your other important insurance documents using the online portal.

Claims, cancellation and changes

For quotes received before the 8th June 2023 - Our products will include Financial Failure cover which usually provides cover in the event that a scheduled airline, hotel or transport provider becomes insolvent or goes into administration and is unable to provide the agreed services. This cover is provided when the travel arrangement does not form part of a package holiday. For more information on this cover please refer to your policy wording.

For quotes taken out after the 8th June 2023 - If you received a new quote or a renewal quote after the 8th June, there is no longer cover provided for the Financial Failure of a scheduled airline or end supplier.

Please note: There is no cover provided for any loss or part of a loss, which is insured or guaranteed by any other existing policy, policies, is ATOL protected, or you are able to recover under section 75 of the Consumer Credit Act, or from any bank or card issuer or any other legal means.

If you need to amend any of your personal details, add people to the policy, increase the cover or add extra options such as Winter Sports Cover, you will need to contact us to get an updated policy.

Please call Customer Services on 0345 307 3971 to amend or update your policy.

You can also make a claim using the online portal. Login or register here.

If you wish to cancel within 14 days of the policy start date or the receipt of the policy documents whichever is the later, you may do so by contacting us on 0345 307 3971, or by emailing travelservices@select-protect.co.uk or writing to us for a full refund providing you have not travelled and no claim has been made. Depending on when you cancel your policy, the following premium refunds will be made:

  • All policies: Full refund if cancelled within 14 days
  • Singe Trip policies: 65% refund if cancelled before your trip starts (but outside of 14 days)
  • Annual Multi-trip policies: 6% refund if cancelled outside of 14 days, as long as you are not travelling at the time of cancelling
All premium refunds are subject to you not having claimed or intending to make a claim.

Your policy wording provides you with all of the details you need in order to make a claim. If you have a medical emergency while abroad, contact the Emergency Medical Assistance Team on the telephone numbers below

Emergency Assistance 24 hours, 7 days a week

Tel: 0203 336 7443

You can also make a claim using the online portal. Login or register here.

If your airline has cancelled your flight, you may be entitled to certain refunds and compensation from them.

If you do not obtain your Visa on time, you are free to cancel this policy at any time.

We won't cover you for any claims resulting in producing your Visa in time for your trip.

Maximum trip limits available when purchasing or extending a policy are 100 nights if aged 65 or under, 62 nights if aged between 66 and 75 or 31 nights if aged between 76 and 100.

Cover for all other sections applies to the length of each trip. The insurance period is automatically extended in the event that your return to your home area is unavoidably delayed due to an event covered by this policy, providing you accept the alternatives offered and don't intentionally delay your return.

Making yourself heard

Any complaint you may have should in the first instance be addressed to the relevant helpline as outlined within the policy wording. The email address is travelcomplaints@selectandprotect.co.uk.

If the complaint is still not resolved, you can approach the Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can be found within the 'Complaints procedure' section on our policy wording.

Need help?

If you have any further queries about your policy or want to know more, find all the details below.

Most of the below can be found in your online customer portal

Policy Wording

Insurance Product Information

Essential Information Demands & Needs

Manage your policy

Making a claim

Email request form (policy documents)

Cancel my policy

Covid-19 cover explained

Contact us

Speak to one of our agents today via the 'Chat With Us' button.

We're here Monday - Friday 9am - 5pm.