What exclusions on Travel Insurance should you look out for?

In other words, what is NOT covered by your travel insurance ! Never make any assumptions !

UK travel insurance companies impose different exclusions and restrictions on their policies, so you should always read the small print carefully.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

What are the different types travel insurance and which should you choose?: Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
Can you get cheap travel insurance if you are over 65?: Yes, if you go through Endsleigh and Essential Travel you should be able to get cheap travel insurance right up to the age of 75!
What is Form E111 and do you really need it?: Yes, if you are travelling within the European Economic Area, you should get the Form E111, which entitles most UK residents to free, or reduced- cost emergency medical treatment. However, you will still need appropriate travel insurance for complete peace of mind.
How much discount can you get on group travel insurance?: Different companies offer different discounts for group travel insurance, but getting one policy for all usually works out much cheaper than individual cover!
Do you need special travel insurance for ski-ing holidays?: At the very least you should top up standard travel insurance with ski cover - but you are probably better off buying a specialist ski or extreme sports travel policy which gives you more extensive cover.

One of the most common mistakes the holiday goers makes is to assume that their travel insurance will cover them for exciting pursuits such as paragliding, in fact the majority of standard policies exclude such hazardous activities.

Even specialist travel insurance polices that cover extreme sports impose different limitations. For example, some will allow scuba diving down to 30m in depth whilst others will restrict you to 15m.

We can’t stress enough the importance of checking your policy and making yourself aware of all the exclusions. As a general guideline, you will probably find that the following exclusions apply to most policies.

If you, or anyone accompanying you:

• is not a UK resident
• has a recurring, chronic or terminal illness
• has been refused travel insurance or only allowed restrictive cover
• is the later stages of pregnancy
• is older than a specified age limit