Travel Insurance

travel insurance photo

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 our Travel Insurance Insurance Product Information Document

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.

Please view our Insurance Product Information Document (IPID) here. This document provides a summary of the key information relating to this insurance policy. Complete pre-contractual and contractual information on the product is provided in the full policy documentation. The agreed sums insured are specified in your schedule. You can read our Policy Wording by clicking here.

We are a specialist provider of travel cover, including for people with complex needs, however we can’t offer cover in every case. If we can’t help, we will let you know and will suggest alternative providers if we think someone else may be able to help.  If we can’t help, you may also like to consider The Money and Pensions Service (MaPS): it has launched a travel insurance directory on its Money Advice Service website for people with serious pre-existing medical conditions that includes details of some other providers.

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:

  • 3 levels of cover: Standard, Prime and Black giving £1,000.00, £5,000.00 or £10,000.00 cancellation cover per insured person
  • No age limit on short stay cover, but maximum trip period 62 days (31 days aged 75 plus)
  • Annual Multi-trip age limit 74 at start date
  • Maximum trip duration for Annual Multi-Trip Policies 45 days (31 days if aged 70-74) but can be increased to 62 with an additional premium
  • 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 or add Gadget cover, Cruise Plus, Business Plus or Golf Insurance with a relevant premium adjustment.
  • Child age limits for Family cover - 20 years and under, 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)


Underwritten by Starr International (Europe) Ltd for UK residents and Starr Europe Insurance Ltd for EEA residents

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).

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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