Travel Insurance

We are able to accept those with certain pre-existing medical conditions with no additional premium but can also accept a much higher level of medical condition by charging an additional premium. Just follow the prompts when completing the online application.


Features include:

  • Age limits: Annual Multi-trip 74 years at date of departure, Short Stay no maximum age at date of departure, Long Stay 59 at date of departure
  • Medical emergency limits to £20m
  • Trip duration for Annual Multi-Trip Policies 45 days, but can be extended to 62 days subject to an Additional Premium (Note: restricted to 31 days if aged 70-74)
  • Long Stay 18 months in total but can be increased to 24 months subject to referral and agreement by insurers
  • Option to change excess levels with relevant premium adjustment.
  • Options available to add Gadget cover, Cruise plus, Business Plus and Golf Insurance etc. Other options are available.
  • Child age limits for Family cover - up to 20 years, if still in full time education
  • Free 21 days Wintersports cover on Annual Multi-trip policies up to age 74
  • Most holiday activities are automatically included
  • Available to residents of the European Economic Area (EEA)


Countries of destination should be checked against the Foreign and Commonwealth Office web site for advice on travel as some countries may be affected by advice given on (see policy exclusion 2). Sections1-12 & 14-20 underwritten by Sirius International Insurance Corporation UK Branch. Section 13 is provided by MGA Cover Services Ltd and underwritten by CBL Insurance Europe Ltd


Reciprocal Health Agreements – EU, EEA or Switzerland: If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can apply for an EHIC online at or by telephoning 0300 330 1350. This will entitle you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card we will not apply the deduction of excess under section 2 - emergency medical expenses.