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Understanding Your Cover

Understand what your travel insurance covers, including benefits, exclusions, optional upgrades and important policy definitions.

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Cover & Benefits

Can Someone Under 18 Be Covered on a Travel Insurance Policy?

Can Adults on the Same Annual Multi-Trip Policy Travel Separately?

Am I Covered If My Flight Connects Through a Country Outside My Geographical Area?

What Does Travel Disruption Cover Include?

Do I Need a Return Flight Booked Before I Travel?

Can I Claim for Flights or Holidays Booked with Avios or Reward Points?

Can I Have More Than One Travel Insurance Policy?

What Can I Claim for If I Need to Cancel My Trip?

What Does My Baggage and Personal Belongings Cover Include?

What Does Legal Expenses Cover Include?

What Does Personal Liability Cover?

Are Sports and Adventure Activities Covered by My Travel Insurance?

Am I Covered for Safaris and Bush Trekking?

Am I Covered If I Perform, Sing or Dance During My Trip?

Am I Covered at Theme Parks and on Amusement Park Rides?

Is My Sports Equipment Covered by My Travel Insurance?

What Does Winter Sports Cover Include?

What Does the Cruise Cover Upgrade Include?

Do I Need Cover for Every Country on My Cruise Itinerary?

Do I Need Golf Cover to Play Golf?

What Does Gadget Cover Include?

How Do I Get Proof of Personal Liability Cover for Skiing?

How do I get a cruise confirmation letter?

What Cruise Cover Is Included and What Does the Cruise Add-on Provide?

Am I Covered for COVID-19?

Am I Covered to Drive a Car, Motorbike or Other Motorised Vehicle Abroad?

Am I Covered for Transits and Stopovers Outside My Policy Area?

Am I Covered If Someone Else Paid for My Holiday?

Am I Covered to Ride a Motorbike or Scooter in the Ha Giang Loop, Vietnam

What Cover Do I Have for Personal Belongings, Baggage and Passports?

What Does It Mean to Cut Short or Curtail My Trip?

Missed Departures, Delays and Cancellations

Reciprocal Health Agreements

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Medical Cover & Exclusions

How Much Emergency Medical Cover Do I Have and Do I Need a GHIC or EHIC?

Why Is My Policy Showing as Void After Updating My Medical Information?

What Medical Expenses Are Not Covered by My Travel Insurance?

How do I update or add a medical condition to my policy?

What Medical Circumstances Could Affect My Travel Insurance Cover?

Travelling while pregnant

Am I Covered If I Travel Abroad for Cosmetic Surgery?

Am I Covered If a Tattoo or Piercing Becomes Infected While I’m Abroad?

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Policy Definitions

What Does ‘War’ Mean in My Travel Insurance Policy?

What Is Considered an Accident?

What Is Considered Baggage?

What Is Considered a Catastrophe?

Who Is Considered a Close Relative?

What Does “Colleague” Mean in My Travel Insurance Policy?

What Is Considered a Cruise?

What Does It Mean to Curtail My Trip?

What Is a Policy Excess?

What Is Considered a Gadget?

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Included Benefits & Services

How do I allow the TravelMate app to use my microphone?

What Extra Benefits Are Included with My CoverForYou Policy?

What Can I Do with the CoverForYou TravelMate App?

What is BagFinder and how does it work?

How do I get and use my free 1GB eSIM? (Single Trip / Annual Multitrip Policies)

How do I get and use my free 1GB eSIM? (Backpacker Policies)

Am I Covered If I Contract an STI or STD While Travelling?

What Is Considered Golf Equipment?

What Does “Home” Mean in My Travel Insurance Policy?

What Is My Home Area?

What Are Important Documents?

What Is the Insurance Period?

Who Is Considered an Insured Person?

What Is a Medical Practitioner?

What Does "On a recreational basis" mean?

What Is Considered a Package Holiday?

What Is Included in “Personal Money”?

What Is Considered a Personal Quarantine?

What are Pre-Paid charges?

What Is Considered Public Transport?

What Is Considered Redundancy?

What Is a Regional Quarantine?

What Is Considered Ski Equipment?

What Is a Ski Pack?

What Is Considered Sports Equipment?

What Is Considered a Terrorist Action?

What Is a Travelling Companion?

What Is Considered a Trip?

What Does “Unattended” Mean Under My Policy?

What Is Considered a Valuable Item?