We are only able to offer cover to travellers who are resident and actually within the UK or Channel Islands. We also require travellers to be registered with a UK GP and not have spent more than 6 months out of the UK in the previous 12 months. We can only offer cover for trips starting in the UK which have yet to commence. Please get in touch if you have any queries regarding this. If you don't meet this residency requirement or you have already left the UK then please visit World Nomads who may be able to offer appropriate cover.
Pre-Existing Medical Conditions
Your policies may not cover claims arising from your pre-existing medical conditions so you need to tell us of anything you know that is likely to affect our acceptance of your cover. Please click here to find out more about our coverage of pre-existing medical conditions.
If your health or your ongoing medication changes between the date the policies were bought and the date of travel you must advise us on 0203 829 6656 as soon as possible.
Intention to Return
In the event of a claim, our underwriters may ask you for confirmation of your intention to return to the UK. Ideally this should be a return flight or the expiry of a visa which confirms that you intend to return to the UK by the end date of your cover. Click here for details about being able to prove your intention to return to the UK along with acceptable forms of proof. This does not apply if you are purchasing a one way (emigration) policy.
FCDO Travel Advice
Please note that you would not be covered under our policies if you are travelling against the advice or recommendations published by the Foreign, Commonwealth and Development Office applicable at the time of your departure. FCDO travel advice for your destination can be found here: https://www.gov.uk/foreign-travel-advice