Travel insurance FAQ

You may wonder why our policies do not cover any costs for private medical treatment unless it has been authorised by our emergency assistance team.

In the UK, when you need emergency care, the NHS is often your best option, as most private hospitals do not have Accident and Emergency (A&E) facilities. The same is generally true abroad.

If you are having a medical emergency, you (or someone on your behalf) should always call local emergency services or go to your local A&E department. This will usually be a public hospital.

If you do require medical treatment abroad, you (or someone on your behalf) must call our 24/7 assistance team as soon as possible.

If you have been taken to a private facility, the 24/7 assistance team can verify whether this is the best place for you to receive your medical treatment, and if deemed necessary, can arrange for you to be transferred to a more appropriate public facility.

In addition to authorising cover for treatment, they are there to help you get the treatment you need, communicate with the hospital on your behalf, communicate with family members and arrange repatriation back to the UK if you are unable to return home on your prebooked transport.

Single Trip:

Our single trip policies can cover individual trips up to a maximum duration of 94 days, which means our policies can cover a 3-month holiday.

Annual-Multi trip:

There is no limit to the number of trips you can take within the policy period. However, each trip must not exceed the maximum duration specified in your policy, which is 31 days.

It means your policy will automatically renew each year without you having to do anything, ensuring uninterrupted travel cover for unlimited trips of up to 31 days each.

This saves you time and prevents gaps in your cover. It is important to keep your details up to date. This can be done by phoning us to update your details, we will adjust your policy and provide a new premium for your approval, quick and hassle-free.

You will be reminded of your auto-renewal 30 days before your renewal - Plus, you can opt out of auto-renewal at any time with just one click in your customer account or by phoning us.

With automatic renewal, your policy would automatically renew the following year using your saved payment details. A new quote will be sent to you 30 days before renewal and your policy document will be available after the successful renewal.

To opt out of auto-renewal, contact us on 0330 053 3747, or alternatively, you can opt out of the auto renewal via your customer account.

If you experience any changes in your health during the policy period, it's crucial to inform us as soon as possible by phoning 0330 053 3747. You can also update your detail in your customer account. Failing to declare new medical conditions could affect your coverage, especially for claims related to those conditions.

To ensure your AMT policy remains valid and provides comprehensive coverage, it is essential to keep your personal, medical, and travel details up to date. This can be done by logging onto your customer portal or by contacting our friendly customer care agents on 0330 053 3747

Keeping your information current ensures your policy accurately reflects your circumstances and prevents any potential issues with claims processing. This proactive approach guarantees peace of mind throughout your travels.

If you need further assistance, feel free to reach out to our support team on 0330 053 3747.

Travel insurance policies from Total Travel Protection are only available to UK residents.

You must have resided within the United Kingdom for no less than 6 months and have not spent more than 6 months abroad in the year prior to purchasing the policy.

You must have a permanent United Kingdom address and be registered with a United Kingdom General Practitioner.

United Kingdom is defined as the United Kingdom, the Isle of Man, BFPO and the Channel Islands.

Your travel insurance must be in place before you leave the UK and must cover the entire duration of your trip, starting and ending in the UK.

Yes. Your travel insurance must be in place before you leave the UK and must cover the entire duration of your trip, starting and ending in the UK.

We have no upper age limit on our travel insurance policies.

However, there is an age limit of 75 on additional cover for some hazardous sports and activities, such as winter sports and hot air ballooning.

More information about sports and activity cover >>

Yes, we can cover people of any age. If you are travelling with family or friends who are younger, we can cover you all on the same travel insurance policy.

We can cover one-way trips, but not on our standard policies. You will need to call us to get a quotation.

More information about travel insurance cover for one-way trips >>

Yes. We can cover a number of sports and activities as standard. Additional cover is also available for more hazardous pursuits (up to age 75).

If you are taking part in any sports or hazardous activities, it’s very important to make sure that they are covered by your travel insurance.

More details about cover for sports and activities >>

The insurance does not cover gadgets such as tablets or mobile phones as standard. You will need to purchase the ‘Phones, Tablets & Other Gadgets’ extension to cover you up to £1,000 for damage, loss or theft of gadgets like these (terms and conditions apply see the full extension wording for details).

For full details of our travel insurance cover for Covid-19 please read our dedicated information page

Information about cover for Covid-19 >>

You should be aware that travel Insurance is not private medical insurance, in that it only covers unavoidable, unexpected emergency treatment. You are not covered for private medical treatment if there are medically capable public facilities available.

If you become unwell, or sustain a minor injury whilst abroad, you must call our 24/7 assistance team so that they can help you find appropriate treatment locally.

However, you should call the local emergency services immediately, 112 in Europe, 911 in the USA and Canada or the local equivalent to 999, if you have any symptoms that might require emergency treatment including, but not limited to, difficulty breathing, chest pain, seizure (fit) activity, decreased level of consciousness, heavy bleeding, sudden swelling of the face and lips, signs of a stroke or any other life-threatening condition. You must, in all cases call our 24/7 assistance team to authorise cover. Failure to do so may invalidate your claim.

Total Travel Protection can cover medical conditions of all types, up to a very high level of severity.

To find out whether your conditions can be covered you will need to complete a medical screening as part or our quotation process. It is very easy and can be done online or by phone.

We can cover the vast majority of diagnosed medical conditions. However, we are unable to provide cover if you have undiagnosed medical conditions.

We consider a pre-existing medical condition to be anything that causes you to answer ‘yes’ to any of the following questions. As well as any medical condition which is ongoing or you have had in the past which still has an impact on your life now.

Have YOU or anyone in YOUR PARTY:

1. taken any prescribed medication, had any symptoms for any illness or received any medical treatment in the last two (2) years

2. attended a medical practitioner’s surgery, or hospital or clinic (outpatient or in-patient) in the last two (2) years

3. awaiting medical treatment or investigation

4. ever had any stress, anxiety, depression, or psychiatric condition such as eating disorders, drug or alcohol abuse or mental illness for which you have been treated or diagnosed

5. been diagnosed by a medical practitioner as suffering from a terminal illness.

Yes, it is important that you declare all pre-existing medical conditions when you buy travel insurance.

We need to get a full picture of your medical history to give you an accurate quotation and provide travel insurance cover for your holiday.

If you declare some medical conditions and not others, you could find you are not fully covered by your travel insurance if you need to make a claim for emergency medical expenses or cancellation. For instance, if your claim was related to a pre-existing medical condition which you had not declared on your policy, your claim could be declined or not paid in full.

We can cover people with or without medical conditions, so we will be able to cover you all on the same travel insurance policy.

If you have a non-travelling close relative with an existing medical condition who dies or falls seriously ill, and as a result you wish to cancel or curtail your trip, you will be covered only if the relative’s medical practitioner states that at the time insurance was taken out, or the trip was booked, whichever is the latter, he/she would not have foreseen such a serious deterioration in his or her patient’s condition.

No. We are not able to cover undiagnosed medical conditions.

Yes. We can provide cover for you to travel if you are on a waiting list for treatment or an operation so long as it is with regards to a diagnosed medical condition. We cannot cover undiagnosed conditions.

Please note. If you are awaiting treatment or investigation our policy will not provide cover for cancellation or curtailment under the following circumstances, unless you purchase our additional waiting list cover:

• You receive an appointment which conflicts with your planned trip.
• You become unable to travel as a result of the planned treatment or investigation.

Our travel insurance policies include cover for mobility aids up to £2,500 per person, if your mobility aid (wheelchair, motorised wheelchair, mobility scooter, walking frame, prosthetic limb, walking stick or crutches) is lost, stolen or damaged during your trip. Also includes the cost of temporary hire of a replacement during your trip.

Travelling When Pregnant

We provide cover under this policy if something unexpected happens. In particular, we provide cover under the Emergency Medical and Repatriation Expenses section for accidental bodily injury or illness. We don’t consider pregnancy or childbirth to be an illness or accidental bodily injury.

To be clear, we only provide cover for Cancellation, Curtailment and Emergency Medical and Repatriation Expenses for claims that come from Complications of Pregnancy and Childbirth.

Complications of pregnancy and childbirth only includes the following:

Toxaemia (toxins in the blood), Bicornuate uterus, Gestational diabetes (diabetes arising as a result of pregnancy), Gestational hypertension (high blood pressure arising as a result of pregnancy), Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy), Ectopic pregnancy (a pregnancy that develops outside of the uterus), Foetal Growth Retardation due to Placental Insufficiency, Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue), Post-partum haemorrhage (excessive bleeding following childbirth), Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery), Placental abruption (part or all of the placenta separates from the wall of the uterus), Hyperemesis gravidarum (excessive vomiting as a result of pregnancy), Obstetric cholestasis, Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix), Stillbirth, Miscarriage, Emergency Caesarean section, A termination needed for medical reasons, or Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

We will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance. If at the time of booking your trip you are aware that you are pregnant, you must ensure that you are able to have the recommended vaccinations and inoculations by the UK government for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and recommended vaccinations and inoculations for that country.

Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications, and you are fit to undertake the planned trip.

Travel insurance for cruise holidays

When you get a quote for travel insurance with us you will be asked ‘Are you going on a cruise?’. If you select yes, our optional cruise extension will be automatically included in your quote, providing these additional benefits:

• Cabin confinement cover

• Missed port departure protection

• Itinerary change compensation

• Unused excursions reimbursement

• Cruise interruption cover

You can remove the extension on the Additional Cover Options page, where you’ll also see the premium. Without it, standard cover still applies and you will be covered to go on a cruise holiday, but you won’t receive these extra benefits.

More information about cover for cruise holidays >>

If you become unwell, or sustain a minor injury whilst abroad, you must call our 24/7 assistance team so that they can help you find appropriate treatment locally.

You must, in all cases call our 24/7 assistance team to authorise cover. Failure to do so may invalidate your claim.