What is travel insurance?
To put it simply: travel insurance or 'holiday insurance' is a precaution. When going on holiday you invest money in your trip: from transport, parking, accommodation and luggage — not to mention your health too.
When you book a travel insurance policy, you're buying security. If anything should go wrong before your holiday, while travelling or when you're away, you can relax knowing that Holiday Extras has you covered against insurable, unforeseen incidents that could negatively impact your holiday.
Whether you need a single trip policy, an annual travel insurance policy to cover you for 365 days, or maybe you're setting sail and need cruise insurance — we have a wide array of comparable cover level options for you to choose from.
Four reasons to choose our Holiday Extras Travel Insurance as your provider...
1. Flexible Policies
2. Trusted Providers
3. Medical Specialists
4. Cruise Cover Specialists
|Four different cover level options to suit your travel needs||Voted best insurance provider by the Globe Travel Awards 2020||All medical conditions considered||Specific cruise cover for itinerary change, cabin confinement and abandonment|
|No upper age limits on Single Trip**||Rated 4.2 out of 5 on Trustpilot||Up to £10 million worth of medical cover||Increased cancellation cover available|
|Single or Annual? Europe or Worldwide?||Recommended and used by over 500 travel agents||Over 30 trained insurance experts in the contact centre||A choice of three different cover levels|
|Tailor your policy with extras such as gadget cover, winter sports, extreme sports||Award-winning Kent-based contact centre||24/7 online medical screening||We offer medical and non-medical cruise policies|
With a travel insurance policy:
- If you need medical attention while abroad we can pay for your medical bills.
- If your bags are damaged or stolen we can financially compensate you towards the total cost.
- If you can't go on your holiday due to unforeseen circumstances we can pay towards the overall amount.***
Why is travel insurance important?
When you purchase travel insurance you are in essence protecting yourself against travel risks. The most common being cancellation of your holiday, stolen luggage and medical cover.
According to The Association of British Insurers (ABI).
- 3,000 Britains require emergency medical treatment abroad every week.
- The average medical claim now supasses £1,300
- £145 million was paid out for 167,000 cancellation claims
- The average claim relating to heart problems in the US is £241,000
Despite this, one in five Brits travel overseas without travel insurance. Having a suitable policy in place not only gives you peace of mind, but can really save you a small fortune should the worst happen.
Why do I need travel insurance for my holiday?
While no one wants to think about worst-case scenarios on holiday, it is worth having a safety net in place should something go wrong down the line that could potentially leave you out of pocket. That's why it's important to have the best travel insurance for your own specific needs.
Searching for the right medical insurance isn't necessarily the hard part — it's finding good quality insurance that doesn't compromise on cover for cost.
With a Holiday Extras policy, you can get up to £10 million worth of medical insurance should anything happen to you while abroad. While this initally might seem like an enormous amount, and maybe even unnecessary for you, the cost health care abroad is wildly more expensive than it is at home in the UK. Without the NHS, you can be looking at huge medical bills for an ambulance and emergency medical consultation abroad. If travelling uninsured, the bill will fall on you.
If you currently have a pre-existing medical condition, or have previously had one, then you will need to declare your condition(s) during the medical screening process which, based on your condition, will elevate the price of your policy depending on the level of "risk" associated with it.
We will consider all medical conditions and offer cover for the majority of pre-existing conditions. This includes all forms of cancer.
If you have a pre-existing medical condition, please call 0800 0833 551 and quote "P7257" to find out how we can support you.
Additional Cover Options
We have a great and varied selection of optional cover you can add on to your travel insurance policy for extra safety. Depending on the type of holiday you're going on, what you will be bringing with you or what you plan on doing, we can offer flexible cover which you can add on to your policy as you see fit.
We want to make sure you are covered for whatever winter sports activity you choose. With our winter sports add-on cover you will have the necessary extra cover in place if you plan on skiing, snowboarding, outdoor ice-skating, ice-windsurfing or snowmobiling. By upgrading your policy to include insurance for more extreme winter sports, you taking out cover specifically designed to protect you and your equipment. So should your hired ski equipment or your own snowboard get damaged, you can be financially compensated.
Gadget Cover Insurance
Make sure all your technology is insured and protected while you're away with our handy gadget cover. With 3 different levels to choose from, you can get varying protection to mirror the value of your gadgets. We offer cover against loss, accidental damage, malicious damage and unauthorised usage.
Extra Activity Cover
Our Extra Activity Cover can be added on to your policy at checkout. The 2 additional cover levels contain a huge number of different sports and activities so that whatever the activity, you can rest assured that you will be covered. Whether you're quad biking, water skiing or ziplining, we can cover you. If a sport activity isn't listed here, give our contact centre a call and we will endeavour to help you.
Wedding Travel Insurance
Your big day needn't be stressful.
We've got the dress, rings and gifts covered so cue the wedding march!
Included with Gold and Platinum level policies
Increased Cancellation Cover
Security if your plans change last minute.
If you call up our friendly experts in the contact centre, you can increase your cancellation cover from up to £5,000 to £10,000 on policy!
** Please note, this is only applicable to single trip, non-cruise policies. With annual policies, the age-limit of 79 years applies, while with cruise policies, there is an upper age-limit of 85.
*** See your policy schedule/booklet wording for details on cover and exclusions.