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.

Features include:

Travel Well Insurance offers three tiers of covers to suit a wide range of needs, with the ability to cover higher sums insured than standard providers for those well-deserved breaks.

We are also able to cover a wide range of medical conditions, subject to our medical screening process, so you can rest assured your pre-existing conditions are covered. We can also cover medical expenses only with our bronze cover if this is what is important to you.

Brokers – If your clients are currently under investigation for an undiagnosed condition or are currently on a waiting list, please call us on 01603 613531 to discuss further as we will need to quote these over the phone to assist you with the journey.

General Exclusions

  • No cover extended for anyone over the age of 79 years
  • Minimum age lead traveller of 18 years old
  • Cover for up ages up to 65 with our winter sports addon with our silver and gold cover levels, no winter sports cover available for bronze packages Optional addons – gold & silver packages only

Annual Multi-Trip features

  • Covers multiple trips in any one year, for up to 65 days on any one trip depending on level of cover selected
  • Up to £10,000 trip cancellation per person
  • Up to £10,000,000 medical expenses and repatriation cover
  • Up to £5,000 baggage loss, theft or damage
  • Maximum age 79 years

Single Trip features

  • Covers trips up 186 days (45 days when aged 66+).
  • Up to £10,000 trip cancellation per person
  • Up to £10,000,000 medical expenses and repatriation cover
  • Up to £5,000 baggage loss, theft or damage
  • 365 days advanced binding
  • Maximum age 79 years depending on trip duration

Policy Summary:


  • Choice of 3 Levels of Cover - Gold, Silver, Bronze
  • Medical Expenses & Repatriation - Up to £10 million
  • Cancellation - Up to £10,000 with the ability to top up to 20k speaking to our UK based team via phone or email
  • Personal Accident - Death - Up to £10,000 per Adult & £5,000 per Child
  • Personal Accident – Disability - Up to £25,000
  • Trip Abandonment - Up to £10,000
  • Baggage Loss, Theft or Damage - Up to £5,000
  • Money Lost, or Stolen - Up to £500
  • Cruise cover - Up to £2,000 for missed departure as an option add on for our cruise specific benefits
  • Personal Liability - Up to £1,000,000
  • 24 Hour Medical Assistance Helpline
  • Comprehensive Sports and Activities Cover as an optional addon for Gold & Silver packages

Benefits differ depending on levels of cover

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