FAQs: Our Policies & Who Can Apply

Who can Apply

The Traveller's Choice travel insurance policy is only available for persons, irrespective of their nationality, who permanently reside in the United Kingdom, Channel Isles/Isle of Man and have been resident for at least 6 months prior to purchasing the policy. They must be registered with a medical practitioner in the area in which they reside.

For persons residing outside of the UK, please click here for details of our specialist policy available to persons living anywhere in the world.

Single Trip Travel Insurance

The Traveller's Choice Single Trip Travel Insurance policy provides cover for any singular trip with specified dates and can be purchased for the following areas:

UNITED KINGDOM:
United Kingdom, Isle of Man and Jersey. Whilst insurance is available for holidays in the UK the Medical and Additional Expenses, In Patient Benefit and Criminal Injuries Benefit sections of the policy shall be inoperative.

EUROPE:
Europe means west of the Ural Mountains including all countries with a Mediterranean coastline excluding Libya and Lebanon.

WORLDWIDE excluding:
Worldwide excluding the United States of America, Canada, Hong Kong, Singapore, Mexico and the Caribbean Islands.

WORLDWIDE including:
Worldwide including the United States of America, Canada, Hong Kong, Singapore, Mexico and the Caribbean Islands.

If you return home before your policy expiry date all cover ceases.

Annual Multi Trip Travel Insurance

Our Annual Multi Trip Travel Insurance will provide cover for as many trips within a 12 month period as the insured person requires, so long as each trip does not exceed the maximum permitted trip duration.

In addition, all children aged 17 years and below who are named on the policy, can travel independently of their parents provided that they permanently resides at same address as the insured parent. Perfect for school trips abroad.

For any trip known to be exceeding the maximum duration selected, the entire period of travel will not be insured.

Winter Sports

If you wish to participate in winter sport activities, you can add the additional cover to either the Single Trip Travel Insurance or the Annual Multi Trip Travel Insurance for an additional premium. This would also extend cover to include Section O: Winter Sports Extension, details of which can be found within the policy document.

14 Day Cooling Off Period

If you decide that for any reason, this policy does not meet your insurance needs then contact us within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no travel has taken place and no claims have been made or are pending, we will then refund Your premium in full.

Thereafter, you may cancel the insurance cover at any time by informing us. However no refund of premium will be payable.

Non-UK Residents