TRAVEL EXISTING CUSTOMER
TRAVEL
EXISTING CUSTOMER

Travel insurance

Frequently asked questions centre

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

Please contact the airline or your credit/debit card provider directly for further information.

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.

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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