Travel Insurance

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Policy Direct accepts people with many pre-existing medical conditions at no additional premium! We can also accept a much higher level of medical condition at an additional premium.

Read the full Travel Insurance Policy Wording

It's reassuring to know exactly what is and isn't covered before you go through the process of applying for travel insurance cover. That's why Policy Direct is open and transparent from the outset. You can read our Policy Wording by clicking here.

If your particular needs aren't covered by our online policy, don't worry! We may still be able to help you by offering alternative products. Call us on 01603 613531 to discuss.

People might think that travel insurance is an easy policy to buy but it is imperative that the right cover is taken out.

If you don’t have the right policy, you can find yourself stranded, or out of pocket – even before you have gone on holiday.

Features include:

  • Age limits: Annual Multi-trip 74 years at date of purchase, Short Stay 84 years at date of departure, Long Stay 59 at date of departure
  • Medical emergency limits to £10m
  • Maximum trip duration for Annual Multi-Trip Policies 45 days (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 and / or to delete baggage cover with relevant premium adjustment.
  • 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
  • Free cover for over 100 sports and holiday activities
  • 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). Sections 1-12 & 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 please telephone the (NHS) Overseas Healthcare Team on 0191 218 1999. 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.


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