Travel Insurance

Anyone who travels needs to get home safely in an emergency

Travel Insurance covers accidents and emergencies whenever and wherever you travel. It provides financial protection for problems when you’re travelling or on holiday.

It is not essential to have insurance when you travel, but it is always recommended. Whether on business or holiday, if an emergency arises a suitable policy will give you both peace of mind and the practical assistance you need so your trip is not ruined. It can cover a wide range of emergencies, including lost or stolen baggage, delays and cancellation of trips, medical costs and even repatriation flights if medically necessary.

We have partnered with industry specialists IMG to offer comprehensive travel cover at a competitive price.

What Is Covered

All coverage is up to the policy limit defined when you take out the policy. Depending on the policy you choose, coverage can include:

Lost, damaged or delayed baggage

Valuables, spectacles/sunglasses

Personal money, passports & documents

Emergency medical, repatriation & other expenses

Death, loss of limb or eye, permanent disablement

Trip cancellation or curtailment

Delayed & missed departure

Personal liability, in case you’re sued for accidents, damaging property or causing injury to others

Non-refundable travel purchases

Incidental delay-related expenses

IMG offers the following benefits:

No overall annual limit on medical treatment

Pre-existing conditions covered

Pregnancy cover (up to 36 weeks)

Medical emergencies for many adventure sports and activities

Children under the age of two added at no cost

What Is Not Covered

Travel insurance cover depends on the exact policy you select, and you may need specialist cover, but general exclusions are:

Over 65s (but certain policies may give cover)

Pre-existing medical conditions (but certain policies may give cover)

Adventure sports, winter sports and any ‘dangerous activities’ (can be covered at an additional fee)

Travel to countries or regions the government recommends against

Strikes, civil unrest, earthquakes, acts of terrorism and epidemics/pandemics (varies by policy and may not be covered)

Costs if you are travelling for the express purpose of obtaining medical treatment

From individual life policies to specialist business cover, we have products to suit your every need.


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+44 (0) 208 903 9955 / 6655,
(Mon - Fri : 09:00 — 17:00)
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