Protection Insurance
:: Travel Insurance FAQs
Travel Insurance FAQs
What insurance do I need?
Single trip travel insurance is ideal if you are going on a single
trip or ust one holiday as it will cover everything.
What is it?
With high levels of cover, the single trip travel insurance
policy gives you the peace of mind that you are adequately protected
whilst away. Benefits include medical expenses cover up to £5
million, personal liability cover up to £2 million, and
£3000 cancellation - plus much more. Whether you are travelling
to Ibiza at the height of summer with friends or to the Far
East with your loved one in September then this type of travel
insurance is suitable for you.
How do I buy it?
It’s simple! Using the tools, select the destination to which
you travelling (such as the UK, Europe, New Zealand & Australia,
or Worldwide including USA & Canada). Then select the dates
that you wish your cover to start and end.
We will also need to know how many people are travelling in
your party and also how many people in each age group that will
be travelling.
Important note: When stating the ages of the people who will
be travelling, please make sure that the ages you give are as
at the date of the quotation and not how old they will be when
your holiday commences.
How long is the period of cover?
You will be covered between the start date of your holiday
and its end date.
It’s always a good idea to book single trip travel insurance
as early as possible to make sure you are covered in case your
holiday is cancelled.
Cancellation cover will begin immediately after you take out
the policy. This means that if your holiday is cancelled any
time after this, you will be covered that you are covered..
Baggage cover
You can add baggage cover to your single trip travel insurance
policy. This insures you against loss of passport documents,
personal money, baggage and personal items as well as delayed
baggage.
Single trip insurance with winter sports
If your holiday includes plans to ski or snowboard, then our
winter sports option provides cover for all on-piste skiing
as well as off-piste skiing (while you are within a recognised
resort or if you are off-piste skiing outside of a resort with
a recognised guide).
Also, any ski equipment (either owned by you or hired) will
be covered for the length of your holiday. You will also be
covered for avalanches and piste closures.
Single trip travel insurance with golf cover
If you are looking forward to a round or two of golf while
away, the golf cover option could be for you. For the duration
of your holiday, green fees are covered should you not be able
to play and of course any damage to equipment is covered.
Superior cover
For the ultimate in peace of mind choose superior single trip
travel insurance.
Our Superior cover gives you increased cover levels and a reduced
excess should you make a claim. There is an increase of £2000
for Cancellation cover, travel delay cover is increased by 50%,
legal advice and expenses cover is doubled, hospital benefit
is doubled, hiack and mugging cover is doubled
If you tend to take more than one holiday a year, then an
annual travel insurance policy could save you money as it provides
cover for every holiday you take for 12 months.
What is annual travel insurance?
Our annual travel insurance is designed for people who take
more than one holiday per year. For example, if you are taking
a two week holiday in Europe during spring and another holiday
later in the year then an annual travel insurance could save
you money.
You are covered for one year with an unlimited number of trips
allowed during that year when you take out annual travel insurance.
You can take as many holidays as you wish and rest assured that
for the next twelve months you will always be covered.
Our annual travel insurance policies offer high levels of cover
including £5 million medical expenses cover, £2
million personal liability cover, £3000 cancellation cover
and much more.
How do I book annual travel insurance?
Booking our annual travel insurance is very simple. First
select the area you wish to be covered for over the next year
(UK, Europe, Australia & New Zealand, or Worldwide including
USA & Canada), then choose the date you wish your annual
travel insurance to start.
After that let us know what kind of party you need covered
(single person, couple, family, single parent family, or group
of people) and how many people of each age group will be travelling.
Important note.. when completing the age boxes for each person
to be insured on your annual travel insurance policy please
ensure that you give the ages of all people on the date that
you are requesting the quotation and not on the date that you
wish your cover to start.
For what period will I be covered?
Your annual travel insurance policy will cover you for one
year from the start date you choose. Be sure to choose the start
date of your policy carefully. If you know that you will not
be taking a holiday for one month after the date you book your
annual travel insurance then be sure to set the start date of
your annual travel insurance policy to be one month from the
date you buy it.
Baggage cover for annual travel insurance
Our annual travel insurance policies allow you to add baggage
cover. Annual baggage cover will insure all members of your
party against loss of passport documents, delayed baggage, loss
of baggage, loss of personal items and loss of personal money.
When on holiday it’s always a good idea to make sure you have
baggage cover and with an annual travel insurance policy the
number of holidays you take will be greater so the risk of something
happening to your baggage will increase. Before you choose this
option you should check your home insurance documents as some
policies will insure your personal belongings while you are
on holiday. Once you have requested a quote you can add or remove
annual baggage cover.
Annual travel insurance with winter sports
If you are planning to take a skiing or snowboarding holiday
sometime over the next year then our annual travel insurance
winter sports option is for you. Our annual winter sports cover
will insure you for all on-piste skiing as well as off-piste
skiing within a recognised resort or off-piste skiing outside
of a recognised resort but with a recognised guide.
Your ski equipment will be covered whether owned by you or
hired and you will also be covered for piste closures and avalanches.
For the ultimate peace of mind during a winter sports holiday
choose our annual travel insurance winter sports option. Once
you have requested a quote you can add or remove annual winter
sports cover.
Annual travel insurance with golf cover
If you enoy golf and are planning to play while on holiday
then our annual travel insurance golf cover is for you. Your
equipment will be insured against any damage during play or
transit as well as any green fees should you not be able to
play. You will be covered for the duration of your annual travel
insurance policy. Once you have requested a quote you can choose
the number of people you would like to be covered by annual
golf cover.
Superior annual travel insurance
For the ultimate in peace of mind upgrade to superior annual
travel insurance. Superior annual travel insurance gives you
increased cover levels and reduced excess payments should you
need to make a travel insurance claim. Hiack and mugging cover
is doubled, legal advice and expenses cover is doubled, hospital
benefit is doubled, travel delay cover is increased by 50% and
cancellation cover is increased by £2000. All excess payments
are reduced.
Once you have requested a quote you can upgrade to superior
annual travel insurance by choosing that option.
Over 65 - travel insurance for the senior citizen (OAP).
Can I still book Travel Insurance If I'm an OAP of over 65
years of age?
Yes! We are a travel insurance company who offer high quality
cheap travel insurance tailored specifically for persons over
65 (OAPs). Whether you are looking for a single trip travel
insurance policy to cover a one-off holiday or you are looking
for an annual multi-trip travel insurance policy which will
cover you for a whole year with an unlimited number of trips
then Travel Insurance 65 can offer a senior citizen product
to suit your needs.
Senior Citizen Single Trip Travel Insurance
If you are looking for a senior citizen single trip travel
insurance policy simply choose a trip type of single trip, select
your destination (UK, Europe, Australia and New Zealand or World
Wide), choose the start date and end date of your trip and the
number of people you wish the travel insurance policy to cover.
You then need to decide whether you need baggage cover or not.
To help you make this choice you may want to double check your
home insurance policy as some home insurance policies will cover
you for your baggage while you are on holiday.
You can also choose whether or not you require winter sports
cover. For more information on winter sports cover please read
the winter sports section below.
To book our single trip senior citizen travel insurance you
must be under 75 years of age when you take out the travel insurance
policy. Travel insurance is the easiest way to book cheap single
trip travel insurance online if you are an OAP.
Senior Citizen Annual Travel Insurance
If you are an OAP of over 65 and are planning to take a number
of trips over the next year then our senior citizen annual travel
insurance policy is for you. Our senior citizen annual travel
insurance policy allows you to take as many trips as you wish
over the course of one year.
If you are planning a summer holiday but also would like to
get away later in the year then our senior citizen annual travel
insurance policy could save you money on your travel insurance.
Simply choose a trip type of annual multi trip, pick your destination,
choose the start date of the policy and the number of people
you need to be insured. Then choose whether you require baggage
cover or winter sports cover to be added to your policy.
To book our senior citizen annual travel insurance you must
be under 75 years of age at the start date of the policy. Travel
insurance 65 is the easiest way to book cheap annual travel
insurance online if you are an OAP.
Cover Levels for Senior Citizens Travel Insurance
All of our travel insurance policies for OAPs of over 65 offer
comprehensive insurance cover including £5 million of
medical expenses cover, £25,000 of personal accident cover,
£2 million personal liability cover plus much more. Once
you have selected the type of travel insurance policy you require
the levels of cover will be displayed on the page beneath the
quoted price for the policy.
Over 65 Baggage Cover
Choose whether or not you require over 65 baggage cover by
selecting baggage cover yes or no on the page. Over 65 baggage
cover will cover you for loss of passport documents, baggage
and personal effects, delayed baggage and personal money. If
you are travelling abroad as an OAP our Travel Insurance 65
baggage cover is always a good idea.
Over 65 Winter Sports Cover
ust because you are a senior citizen doesn’t mean you should
stop enoying the finer things in life and skiing and snowboarding
certainly come into that category.
Our Over 65 winter sports cover will cover any ski equipment
you own for the duration of your trip. If you plan to ski or
snowboard during the period of insurance then choose our over
65 winter sports cover option. Our over 65 winter sports cover
will cover persons up the age of 68. To include over 65 winter
sports cover simply select yes to winter sports cover on the
page. If you are an OAP planning to ski or snowboard on holiday
then our Travel Insurance 65 winter sports cover is for you.
Wintersports - Skiing and boarding travel insurance including
off piste.
Skiing and Snowboarding Insurance
If you intend to ski or snowboard during the period of your
holiday insurance or annual travel insurance then you must select
the Wintersports option.
What’s included ?
Our wintersports insurance covers all skiing and snowboarding
on-piste and off-piste if you are accompanied by a qualified
guide or instructor.
• Cover for your ski equipment for damage or theft
• Piste Closure
• Avalanche Closure
What’s not covered?
• Ski umping
• Mono skiing
• Ski racing
Golf cover - Specialist travel insurance for golf holidays.
What is Golf Travel Insurance?
If you are planning on playing golf while you are away then
you should consider adding the golf option to our single trip
or annual travel insurance policy.
To add golf travel insurance to your policy select whether
you require budget, standard or superior cover and then select
the golf option.
Golf Travel Insurance cover details
Increased Equipment Cover
We will insure your golf equipment for loss and theft up to
the value of£1000. With our standard insurance policies
the maximum you can claim per item is £250 which would
not be sufficient to cover most sets of golf clubs.
Loss of green fees
You will be covered up to £50 per day, up to a maximum
of £250 for the unused portion of pre-paid green fees
that you arranged before you departed if you need to cancel
for medical reasons.
Backpacker - Discounted student travel insurance for extended
trips.
What is long stay student travel insurance?
Backpacker travel insurance is a specialist policy specifically
for young people planning extended trips. It's perfect for students
and others under 45 year olds traveling for long periods.
This Long stay student travel insurance policy has similar
levels of cover to our other travel insurance policies.
To qualify for long stay student travel insurance you must:
• Be travelling for up to 12 months.
• Be under 45 years of age
Our backpacker travel insurance includes cover for your personal
belongings and cancellation cover.
Student Travel Insurance
Our backpacker student travel insurance policy is ideal for
students looking for gap year travel insurance or insurance
during summer holidays. It offers both piece of mind for the
travelling student, the knowledge that they are well protected
in the event of an emergency, and most importantly it offers
affordability.
During a student’s years at university or college, we appreciate
that there can be significant financial restraints - even more
so when planning the ourney of a lifetime. At Essential Travel
we've priced our student travel insurance product accordingly
and feel sure that both undergraduates and their parents will
find us to be amongst the most competitive student insurance
on the market.
First choose your holiday destination
With our long stay insurance your choices are simple. First
select if you're only travelling to Europe during your backpacking
trip then select it in the destination drop down box above.
If you plan to travel further afield than European countries
then please select world wide cover. This includes backpacking
travel to the USA, Australia, Asia and Africa.
Then select the dates you wish your long stay student travel
insurance to run for. If your vacation is less than 31 days
you are likely to be better off selecting our single trip or
annual travel insurance policies. If you're travelling for up
to 45 days then again an annual insurance policy may be better
suited to you.
For trips over 45 days however our backpacker policy is perfectly
tailored for your needs whether you are a student looking for
travel insurance or ust taking an extended holiday. These policies
are available up to the age of 45.
Backpacker Longstay Cover levels
Our policyholders, whether students or not can take piece
of mind in our cover levels. All of our backpackers travel insurance
policies and students travel insurance policies offer comprehensive
insurance cover including £5 million of medical expenses
cover, £20,000 of personal accident cover, £2 million
personal liability cover.
