Policy Changes

From 1st March 2024

This details the main changes to the updated policy wording from 1st March 2023. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes

Under the restrictions of cover section, an addition has been made:

• There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel

Under the what’s insured section, an addition has been made:

• Trip disruption during your trip – Additional transport costs outside of the UK

Policy wording changes

Under the policy information section, there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the cancelling your trip section, the cancellation terms in regards to pregnancy have been updated:

• ‘…The booked return date must be after you will be 28 weeks pregnant (24 weeks for multiple births).’

Under the cutting short your trip section – If you have to cut short your trip, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the emergency medical expenses and medical repatriation section – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the money and travel documents section, there is no cover for:

• Losses arising due to debit or credit card fraud or any unauthorised use of such cards.

Extension changes

Large Scale Events extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Covid-19 extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Cruise extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Golf extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

From 19th December 2023

This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes

Under the what is insured section the following change has been made:

• There is no longer any cover for End Supplier Failure

Under the medical section of the policy there has been a change made to the hospital benefit as below:

• A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
• There has been a removal of accommodation confinement benefit

Policy wording changes

Under the medical section of the policy there has been a change made to the hospital benefit as below:

• A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
• There has been a removal of accommodation confinement benefit

There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:

• Your pre-travel policy – trip disruption before you travel section
• Your travel policy – trip disruption during your trip section
• Making a complaint section

From 10th October 2023

Medical Screening Update

From 10th October 2023 we will be changing the way we screen medical conditions. Our new tool is called Protectif, which has been created to capture more detail about your individual circumstances and condition, allowing it to more accurately assess the risks and offer a fairer price. The system works by asking you to list your prescribed medication and then the conditions they are linked to, which ensures nothing is accidentally forgotten. To confirm, you will now be declaring your conditions via Protectif as part of our online customer journey and our customer service team.

From 7th March 2022

Insurer Update

All GETGOING Travel Insurance policies issued/sold on and after the 7^th March 2022 will be Insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.uk

End Supplier Sections of Cover Only

If the policy you choose has End Supplier Cover included, these sections of cover are provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and is underwritten by Liberty Mutual Insurance Europe SE (The Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registered number 829959). Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website www.fca.org.uk

Policy and Product Updates

Cancelling or Amending your policy

Please tell us as soon as you are aware that your policy does not meet your needs. If you cancel within 14 days of the receipt of your documentation and if you have not started a trip, made a claim, or intend to make a claim, we will provide you with a full refund.

If you cancel outside of the 14-day cooling-off period, no premium will be refunded. However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you. The unused premium will be calculated on a sliding scale basis as follows:

Refund scale outside the 14-day cooling off period for exceptional circumstances only

Single Trip Policies Before Travel

75% refund. No refund can be given once a trip has started.

Annual Multi Trip Policies

Policy Extensions Available

The following upgrades are available to be purchased for an additional premium:

• Cruise Extension (Single Trip and Multi Trip Policies Only)
• Golf Extension
• COVID-19 Extension
• Large Scale Events Extension
• Carers Extension

Depreciation/Wear and Tear Scale for Personal Belongings

Gadget Cover

With the new insurer comes a new approach to gadget cover. At Get Going, we will not have an option to add gadget cover, but it will be built into certain schemes as standard. Please see cover grids and policy documents for more information.

Previously the gadget cover was on a ‘repair’ cover concept, whereas now the cover will simply pay out for the cost of a replacement item up to the limit on the policy much like the other personal possession sections of cover.

There is no longer cover available for the cost of Unauthorised Calls and Data Download.

Gadget Claims will now be handled by the Insurer in the same way that all other claims will be.

Gadget Definition Update

Gadget are now defined as:

Mobile/smart phones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, and drones.

Sports and Activities

As of launch, we will be changing the way we approach activities and activity packs. The new insurer has given us a new standard list of activities which don’t require any additional premium to be covered.

The standard list is much larger than it was before and covers many more high risk activities such as sky diving!

This will apply to all standard Single Trip, Multi Trip and Backpacker Longstay Policies.

The Winter Sports schemes will have the same activities covered as standard but with the addition of a long list of winter activities included as well.

Please find the new list of activities here: https://www.getgoinginsurance.co.uk/activity-packs

Specific Section Updates

Cancelling Your Trip – If you are unable to go on your trip

Cover being added:

• If a medical practitioner advises against travel due to your or your travelling companions underlying health conditions, including pregnancy.
• If you discover that you or your travelling companion are pregnant after the date you bought this policy or after the date the trip was booked (whichever you did last). The booked return date must be within 12 weeks, (16 weeks for a multiple birth), of the expected date of delivery.
• If your travel documents are stolen within 7 days of the start of your trip, and you are unable to replace them before departure.
• If you are confirmed unable to participate in a pre-planned and pre-paid activity by a medical practitioner, provided the activity is the main purpose of your trip.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed from the standard cover:

• If there is a change in FCDO advice due to fire, earthquake, storm, flood, riot or civil unrest.
• If you, anyone insured on this policy, or a household member had to isolate at home due to Covid-19.

Delay and Abandonment – If you are delayed and If you decide to abandon your trip

Cover being added:

Delays and abandonment caused by:

• Industrial action.
• Bad weather not including anything listed as a natural catastrophe.
• Technical fault of transportation including bird strikes.
• Shortage of crew.

Delays will now be covered on the outbound and inbound leg on your trip.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed:

• Previously we did not have specified reasons for delay.
• No cover available for UK trips.
• Missed Departure from the UK – If you miss your departure Cover being added:Missed Departure from the UK caused by:
  1. Delay or cancellation of public transport due to:
     1. Industrial action
     2. Bad weather not including anything listed as a natural catastrophe
     3. Technical fault of transportation including bird strikes
     4. Shortage of crew
  2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
  3. The flight you are travelling on is diverted

  Policy Extensions Available on this section:

  • COVID-19 Extension
  • Large Scale Events Extension

  Cover being removed:

  • Missed departure caused by closure of airspace.

Missed Departure Outside the UK – If you miss your departure and If you miss your connection

Cover being added:

Missed Departure and Missed Connection Outside the UK caused by:

1. Delay or cancellation of public transport due to:
   1. Industrial action
   2. Bad weather not including anything listed as a natural catastrophe
   3. Mechanical fault of transportation including bird strikes
   4. Shortage of crew
2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
3. Your flight being diverted.
4. Travel documents are lost or stolen whilst you are outside the UK.

We now also be able to cover you for the costs of essential prescription medication when your supply runs out under this section.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed:

• Missed departure and connection caused by closure of airspace.

Substitute Accommodation – If a major incident happens while you are away

Cover being added:

This section covers additional accommodation costs if you are forced to move from your pre-booked accommodation and into an alternative at the same destination. Your original accommodation must be uninhabitable for a reason listed below for at least 24 hours. We will pay up to the sum insured for the same standard of accommodation as you originally booked when your travel provider does not supply an alternative.

1. An outbreak of food poisoning at your accommodation that forces it to close.
2. Fire or storm damage (not listed as a natural catastrophe).
3. The following key services not being provided at your booked accommodation; electricity, water (including no hot water), insufficient hotel staff available due to industrial action.

Cover is also provided for the emergency replenishment of prescription medication, up to a maximum of £150, if you are unable to access your prescription medication due to a problem with your trip accommodation.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension
• Cutting Short Your Trip – If you have to cut short your trip Cover being added:Cover in the event of death, injury, or serious illness of:
  • A travelling companions close relative
  • Someone you are staying with

  Cover in the event of a positive diagnosis of COVID-19, the death or hospitalisation of:

  • A travelling companion
  • Someone you are staying with

  Policy Extensions Available on this section:

  • COVID-19 Extension
  • Large Scale Events Extension

  Cover being removed from the standard cover:

  • If there is a change in FCDO advice due to fire, earthquake, storm, flood, riot or civil unrest.

   

  Money and Travel Documents – If your cash is lost or stolen

  Cover being removed:

  • We are no longer able to cover the cost of lost or stolen event tickets

How To Make A Claim and 24-Hour Emergency Medical Assistance

First, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, you must ensure that you have all relevant documents and any receipts, please see claims evidence below.

• Online collinson.claimhere.co.uk or via the customer area https://www.getgoinginsurance.co.uk/ca/login
• Telephone 0333 005 1077

All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you may experience a delay in the processing of your claim.  When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will be responsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank account designated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in the event of incorrect details having been provided to us.

Claims & assistance services are administered by Collinson Insurance Services Ltd.

24-hour Emergency Medical Assistance

You must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours

• Telephone 0333 005 1078

How To Make A Complaint

From 8th July 2021

From 8th July 2021 the main insurer of our travel insurance products has changed from Union Reiseversicherung AG (URV) to White Horse Insurance Ireland dac . Our cover and prices have not been affected by this change. More information can be found here.

From 12th November 2020

From 12th November 2020, our Standard and Basic Single and Multi Trip policies also include enhanced cover for COVID-19. Click here for more details.

From 19th October 2020

From 19th October 2020, our Diamond and Staycation Plus Single and Multi Trip policies also include enhanced cover for COVID-19. Click here for more details.

From 27th August 2020

From 27th August 2020 our Premier Single and Multi Trip policies include:

• Cancellation cover if you are anyone named on the policy test positive for Coronavirus up to 14 days prior to travelling.
• Denied boarding cover if you and anyone named on the policy are prevented entry at the airport on your inbound flight due to showing symptoms of COVID-19 .
• Plus much more – click here for more details.

From 1st March 2020

The first thing you will notice about the new policy wordings is the format, they have all been updated to move to our A5 format as part of our drive to make our wordings clearer and fairer to customers, and our claims teams.

Below is a list of changes applied to each policy wording:

Basic Single Trip & Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi-Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• Policy excess where applicable has been updated from £200 to £199.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
• ‘If you miss your outbound departure’ previously covered at £250, with no cover applying for ‘If you miss your outbound connection’ has been updated in the new policy to have one combined section called ‘If you miss your departure or onward connection’ and cover provided for £500.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• ‘If you are admitted to a public hospital’ cover now included for 2020! Coverage is provided for £20 per 24hour period, up to a maximum of £500.
• ‘If your checked in baggage’ now included for 2020! Cover is provided for £100 for the purchase of essential items if you are without your checked-in baggage for more than 12 hours.
• Lost or stolen cash section has been extended to included event tickets.
• ‘Emergency travel documents’ cover now included for 2020! This includes £100 towards the cost of additional travel and accommodation that you have paid to collect your emergency travel document, and £50 towards the actual cost of the travel document.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If you are killed, injured or disabled following an accident’ section has been increased from £5,000 to £10,000.
• ‘If you need legal advice’ section has been increased from £5,000 to £20,000.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.

Standard – Single Trip and Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
• Mobility and disability equipment cover removed from the policy.
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If you need legal advice’ section has been increased from £15,000 to £20,000.
• ‘If your return is delayed due to air rage’ has been removed from the policy.
• ‘Pet care’ has been removed from the policy.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• Policy excess reduced from £100 to £99.

Premier – Single & Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• ‘If you miss your departure or onward connection’ has increased to £1,000 for either event.
• ‘If your end supplier fails financially when you are away’ increased from £1,000 to £3,000.
• ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• Gadget extension claims assessors have changed to Taurus Insurance Services.
• Gadget eligibility not being more than 48 months old at the start of the trip has been removed from the policy.
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If your return is delayed due to air rage’ has been removed from the policy.
• ‘Pet care’ has been removed from the policy.

Backpacker/Longstay – Basic

• We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• Includes cover ‘if you are unable to go on your trip’, or ‘if you need to come home early’ up to £750.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• ‘If you need medical treatment abroad’ increased to £5,000,000.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• Lost or stolen cash section has been extended to included event tickets.
• ‘If your possessions are lost, stolen, damaged or delayed’ has been increased to £1,000.
• Cover provided if you need emergency travel documents, up to £150.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• Max age 55 years / Max trip duration 24 months.

Backpacker/Longstay – Standard

• We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• ‘If you cannot use your pre-booked accommodation’ section has been removed from the policy.
• Max age 55 years / Max trip duration 24 months.