News & Events

News
Is the EHIC enough when travelling to Europe on holiday?

With all the excitement of going on holiday such as picking exciting destinations and choosing between hotels, it is sometimes all too easy to overlook the importance of travel insurance,...

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Increased Voyager Travel Insurance cash limit for Greece

After 3 weeks of closure, Greek banks reopened this morning. However, cash withdrawal limits still remain in place. As a result, holidaymakers travelling to Greece are advised by the UK Government...

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FAQs

We hope the FAQs below answer your query, however if you cannot find what you are looking for then please call 01483 562 662 quoting WEBroker and we will be happy to help

Click here to return to the Travel Insurance page.

  1. Who are the insurers?
  2. What are the excesses?
  3. What is the period of insurance?
  4. Can I work abroad and still be covered?
  5. Does the age limit apply at the date of departure or date of buying the insurance?
  6. What is the maximum time I can go abroad for?
  7. What is the definition of a family?
  8. Can I travel one-way?
  9. Can I stopover in the USA on my way to Australia, but pay the Australian rate?
  10. Can non-UK residents buy the insurance?
  11. How do I find out if a country is, for example either Europe or Worldwide?
  12. What should I do if I am not satisfied with the service?
  13. How do you calculate the number of days for insurance? E.g. if my flight leaves at 23.30hrs, do I pay the extra day?
  14. Can I remove sections of cover?
  15. Am I covered if I had a stroke 4 months ago and my doctor says I'm fit to travel?
  16. Who handles claims?
  17. Who provides the 24-hour emergency service?
  18. Who should be informed about pre-existing medical conditions?
  19. Can I cancel my holiday because of lack of snow?
  20. Is off-piste skiing covered?
  21. Is snowboarding covered?
  22. Is piste closure covered?
  23. Am I covered if my skis are stolen from the car roof when I have stopped for a meal whilst travelling to another resort?
  24. What ski cover is provided under the different policies?
  25. I go skiing for 4 weeks every year. Can I extend the 21 days on my Annual Multi-Trip policy?
  26. Am I covered if I miss my flight because of a traffic jam on the motorway?
  27. Am I covered if my flight from Glasgow to Heathrow is delayed and I miss a connection?
  28. Am I covered if I lose my contact lenses?
  29. What is a "reasonable allowance for wear or tear"?
  30. Are my belongings covered if they are on a roof rack?
  31. What should I do if the airline loses or damages my suitcase?
  32. What happens if the police don't write me a report?
  33. What should I do if I don't discover a loss or breakage until I get home?
  34. Is my digital video camera worth £750 covered?
  35. What should I do with my belongings if I've gone to the beach and want to have a swim? My hostel doesn't have a safe place to keep them.
  36. If I make a claim under this insurance for some stolen personal effects, will you make a counter claim against my household insurers?
  37. What is the single item limit?
  38. Am I covered if I accidentally cause damage in the hotel I'm staying in?
  39. Why isn't personal liability covered under your personal travel insurance whilst driving?
  40. Am I covered for cancellation if one of my relatives is taken ill?
  41. My holiday is costing me £6,000 but there is only cover up to £5,000. Can I pay a supplement to cover for the extra risk?
  42. I have just been posted to Iraq when I should be on holiday. Am I covered to cancel?
  43. I've just been made redundant. Can I cancel my holiday?
  44. If I have to return home for an insured reason, will the insurance compensate me for my lost holiday?
  45. If I am delayed at the port due to a blockade of the port am I covered to cancel?
  46. If I'm stuck at the airport because my flight is delayed can I cancel and go home?
  47. Why is the personal accident payment reduced for me? I am 72 years old and I am paying extra premium anyway.
  48. Am I covered for the dentist abroad?
  49. I don't need travel insurance because I'm covered under the EHIC. Is this right?
  50. What activities are covered under the insurance?
  51. Is there cover for cash under the Long Stay policy?
  52. If I decide to stay abroad for longer can I extend my cover?
  53. I returned to the UK for my Grandfather's funeral and used my existing flight ticket to come home. I still have 6 months of my planned trip outstanding. Will the insurance pay for me to go back out and return?
  54. Am I covered for bar work?
  55. I'm in Australia and I've had all my money stolen. Can I get emergency funds sent out to me from the insurers?
  56. I am planning to spend 8 months in Australia and 4 months in other countries around the world. What premium do I pay?
  57. Can I return to the UK for short breaks to visit my family during the duration of my policy?
  58. Can my children travel separately under the family policy?
  59. If I am on a business trip and I'm taken seriously ill, can a colleague be sent out to cover me?
  60. Am I covered for holidays in the UK?
  61. Does my age count from the date of inception or from the date of travel?
  62. If I've already booked my holiday, can I wait and buy the insurance from the date of travel?
  63. Am I covered if I have to go into hospital after buying the insurance and before I travel?

Who are the insurers?

This insurance is arranged by Voyager Insurance Services Ltd. Sections 1-21 are underwritten by Sirius International Insurance Corporation UK Branch, Floor 4, 20 Fenchurch Street, London, EC3M 2BY. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 202912. Member of the Association of British Insurers.

You can check these details on the Financial Services Register by visiting the FCA’s website on www.fca.org.uk/register or by contacting them on (Freephone) 0800 111 6768 or 0300 500 8082.

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What are the excesses?

These vary from section to section. Please refer to the summary of cover in the policy wording for the relevant product.

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What is the period of insurance?

Short Stay
Cover under this insurance starts when you leave your home or place of business in your home country at the start of your trip and finishes immediately upon your return to your home or place of business in your home country for any reason. This will not exceed the period for which the premium has been paid. If your return date is unavoidable delayed for an insured reason, cover will be extended free of charge for the period of the delay. For cancellation only, cover starts at the time the premium is paid or the date you book your trip whichever is later. Personal money will be covered from the time of collection, but not more than 72 hours before travel. If the return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of the delay. The maximum duration is 62 days (31 days if aged over 74 and travelling to areas 3 or 4 and 31 days for all areas if aged over 85). Cover for one-way trips will finish 48 hours after arrival in the country of final destination.

Annual Multi-Trip
The overall period of insurance will be for the 12-month period as shown on the certificate. The insurance covers an unlimited number of holidays/leisure trips starting within that period, provided that no trip is intended to be for longer than 45 days (31 days if aged 70-74). This limit can be extend for those under the age of 70 to 62 days per trip by selecting the appropriate Option and paying the additional premium. The insurance includes up to 21 days winter sports cover and also provides cover for business trips. Cover under this insurance starts when you leave your home or place of business in your home country at the start of your trip and finishes immediately upon your return to your home or place of business in your home country for any reason. For cancellation only, cover starts at the time you pay the premium, or when you book your trip whichever is the later. Personal money will be covered from the time of collection but no more than 72 hours before you travel. If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of the delay.

Long Stay
As per short stay, but the maximum duration is 18 months. The maximum duration may be extended up to a maximum of 24 months subject to individual referral and must be agreed by us and confirmed in writing. The long stay policy allows the insured to visit their home country for up to 2 weeks at a time, providing the visit is not subject to a claim. Cover under the policy is temporarily suspended for the duration of these visits.

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Can I work abroad and still be covered?

Yes, so long as it is not heavy or hazardous manual labour such as building work. Bar work and grape picking, for example, would be covered. However the insurance will not provide any cover under Personal Liability (Section 10) for any claim arising out of or in connection with any work of any nature, or Personal Accident (section 4) on the policy for claims arising out of or in connection with manual work.

Manual work means work that involves hands-on use, installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, heavy power tools and industrial machinery, and hands-on electrical and construction work or work above two storeys or 3 metres above ground level (whichever is the lower), building sites, any occupation involving heavy lifting. Manual work does not include work that is purely managerial/supervisory, sales or administrative capacity, bar, restaurant and catering trade staff, musicians and singer, fruit pickers (who do not use heavy machinery), casual light work, light agricultural work, supervised conservation work, voluntary charity work labour where there is no financial gain and supervised animal sanctuary work. Cover excludes interaction with dangerous wild animals such as lions, tigers or big cats of any kind.

Please telephone Voyager Insurance Services Ltd on 01483 562662 if you are unsure whether a particular type of work will be covered.

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Does the age limit apply at the date of departure or date of buying the insurance?

  • Short Stay = No age limit, age applies at the date of departure
  • Long Stay = 59 years at the date of departure
  • Annual = 74 years at the start date of the insurance

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What is the maximum time I can go abroad for?

  • Short Stay = 62 days (31 days if aged over 74 and travelling to Areas 3 or 4 and 31 days for all areas aged 85+)
  • Long Stay = The maximum duration may be extended up to a maximum of 24 months subject to individual referral and must be agreed by us and confirmed in writing.
  • Annual = 45 days any one trip (31 days if aged 70-74). By selecting the appropriate Option and paying the additional premium this can be extended to 62 days for those aged up to 69. Winter sports up to a maximum of 21 days in all including travelling time (maximum age 74).

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What is the definition of a family?

Single Trip - two adults and all of their children (including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address.

Single Parent family definition - One adult and their dependent children under 18 at the date of departure or under 21 provided that they are still in full time education.

Annual Multi-Trip - two adults and all of their children (including foster children) aged 17 and under (20 and under if in full time education). All persons must live at the same address. On annual multi-trip policies all insured persons are entitled to travel separately providing all travellers are named on the certificate of insurance.

Single Parent family definition - One adult and their dependent children under 18 at the date of inception or under 21 provided that they are still in full time education.

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Can I travel one-way?

If you are going on a one-way trip all cover will finish 48 hours after your arrival in the country of final destination, unless you have selected and paid the additional premium for the one way trip extended cover option and this is shown on your certificate. In this instance, your cover will finish at the date you have selected after arrival in the country of final destination up to a maximum of, but no more than, 31 days from the date of arrival in the country of final destination.

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Can I stopover in the USA on my way to Australia, but pay the Australian rate?

Short Stay - Yes, stopovers of up to 48 hours (in each direction) in a higher rated area are covered.

Long Stay - Yes, the rating area for long stay is determined by where more than 50% of your time will be spent.

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Can non-UK residents buy the insurance?

Yes. This policy is available to residents of the European Economic Area (EEA).

European Economic Area (EEA) means European Economic Area (EEA) means Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and United Kingdom.

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How do I find out if a country is, for example either Europe or Worldwide?

Please refer to the Where in the World sheet, as this gives advice on which countries are in which areas.

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What should I do if I am not satisfied with the service?

In the unlikely event that you are not satisfied with the level of service provided, we would ask you to then follow the procedure laid out under the heading Making your Complaint shown in the policy (page 22 in the booklet or page 12 in the A4 policy).

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How do you calculate the number of days for insurance? E.g. if my flight leaves at 23.30hrs, do I pay the extra day?

Yes. The rating bands have been designed to take in the majority of travel periods, e.g. the average 2 week holiday comes under the 17 day rating band allowing for one or two extra days either side.

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Can I remove sections of cover?

We regret that we are no longer able to offer the choice to remove any policy sections.

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Am I covered if I had a stroke 4 months ago and my doctor says I'm fit to travel?

Please read the important conditions relating to health and activities (Shown in the policy wording on page 3 of the booklet and A4 PDF version). If you answer ‘yes’ to any of questions 4-6, there is no cover for claims related directly or indirectly to these conditions. However, cover may be available by contact Voyager Healthcheck on 01483 806666 with a small additional premium.

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Who handles claims?

For all claims under sections 1-21 (other than medical emergencies) please request an appropriate claim form by telephoning Claims Settlement Agencies by calling +44 (0) 1702 427172, emailing: info@csal.co.uk or visiting www.csal.co.uk. Please quote Voyager Plus 2017 in all correspondence.

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Who provides the 24-hour emergency service?

Global Response, who can be contacted by phoning +44 (0) 2920 468 794 or emailing operations@global-response.co.uk. Please quote Voyager Plus 2017 in all correspondence

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Who should be informed about pre-existing medical conditions?

Clients should call Voyager Healthcheck on 01483 806 666 if they answer YES to questions 4-6 in the medical screening flowchart.

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Can I cancel my holiday because of lack of snow?

No, this cannot be covered under any travel insurance policy that we are aware of.

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Is off-piste skiing covered?

Yes, provided you have paid the winter sports premium and all local safety guidelines are observed.

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Is snowboarding covered?

Yes, providing the appropriate winter sports premium has been paid for Short Stay or Long Stay policies. There is 21 days winter sports cover automatically including in an Annual Multi-trip policy

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Is piste closure covered?

Yes, under the Short Stay and Annual Multi-Trip policy only.

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Am I covered if my skis are stolen from the car roof when I have stopped for a meal whilst travelling to another resort?

Yes, but they must be locked on to the rack and must have been forcibly removed. There is no cover for skis left in a vehicle overnight.

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What ski cover is provided under the different policies?

Short Stay - When the appropriate premium is paid for winter sports, cover is extended to allow winter sports activities and provides cover for winter sports equipment, ski pack and piste closure up to a maximum of 31 days.

Annual Multi-Trip - The policy includes up to 21 days winter sports cover. Cover is provided for winter sports equipment, ski pack and piste closure.

Long Stay - Winter sports cover for a maximum of 31 days is available by paying the additional winter sports premium. Cover is provided for winter sports equipment and ski pack. Please note there is no cover under long stay for piste closure.

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I go skiing for 4 weeks every year. Can I extend the 21 days on my Annual Multi-Trip policy?

No. We would recommend the Single Trip policy with winter sports cover added.

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Am I covered if I miss my flight because of a traffic jam on the motorway?

Yes, if there is a road traffic accident or vehicle breakdown delaying the vehicle you are travelling in so that you arrive at the departure point in your itinerary too late to board the public transport you have booked.

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Am I covered if my flight from Glasgow to Heathrow is delayed for my onward journey?

Yes, for necessary additional accommodation and travel expenses up to the policy limit, provided you have left sufficient time between the two flights, i.e. planned to arrive at your departure point at the earliest scheduled check-in time.

Please refer to page 5 of the policy wording section headed ‘important information’.

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Am I covered if I lose my contact lenses?

No. Loss, theft or damage to contact lenses is specifically excluded by the policy

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What is a "reasonable allowance for wear or tear"?

A deduction from the amount paid for the item to reflect its age and likely condition at the time of the loss. The policy is one of indemnity, not "new for old".

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Are my belongings covered if they are on a roof rack?

Assuming the items are in a locked roof box, the insurance will pay up to the policy limits. The policy limit for items stolen from an unattended vehicle between 8pm and 8am is £100. This limit does not apply at other time of days providing you are between points of overnight accommodation. However, valuable items, passports and money are not covered when left in a car at any time.

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What should I do if the airline loses or damages my suitcase?

You should report the incident immediately and obtain a "Property Irregularity Report" from the airline.

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What happens if the police don't write me a report?

You should obtain a report from your holiday representative, hotelier or local tourist office wherever possible, confirming the loss and reasons why the police would not help.

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What should I do if I don't discover a loss or breakage until I get home?

Notify Claims Settlement Agencies by calling 01702 427 172 and the carrier if you believe it happened whilst in transit. Also inform your tour operator and hotel where relevant.

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Is my digital video camera worth £750 covered?

It is covered for Loss, theft or damage, under the valuables sub-section within the overall baggage section, but the single item limit is £250. The cover for valuables varies from policy to policy. If you select the Gadget Insurance option and pay the appropriate additional premium then gadgets, including digital video cameras, are covered up to a maximum per item of £750.

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What should I do with my belongings if I've gone to the beach and want to have a swim? My hostel doesn't have a safe place to keep them?

Personal money and valuable items are not covered whilst unattended unless locked in a hotel safe or your private accommodation. If necessary, ask someone YOU KNOW to look after your belongings. The policy will not cover more than £100 for items left unattended in a public place including on a beach.

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If I make a claim under this insurance for some stolen personal effects, will you make a counter claim against my household insurers?

Yes this is a common practice for most classes of insurance and helps keep the overall premium down. It will not prejudice any No Claims Bonus on your household insurance.

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What is the single item limit?

  • Short Stay = £/€250
  • Long Stay = £/€250
  • Annual = £/€250

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Am I covered if I accidentally cause damage in the hotel I'm staying in?

Yes, up to the policy limit, but subject to the excess (See section 10 Personal liability in the policy wording).

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Why isn't personal liability covered under your personal travel insurance whilst driving?

Travel insurance policies are not designed to provide this sort of cover. We would strongly recommend the purchase of a third party liability top-up policy.

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Am I covered for cancellation if one of my relatives is taken ill?

Yes, subject to the policy terms and conditions relating to the health of travelling companions and others on whom the journey may depend. The insurance will pay your cancellation costs if your husband or wife (or partner with whom you are living at the same address), parent, grandchild, parent-in-law, brother, sister, child, grandchild, brother-in-law, sister-in-law, son-in-law, daughter-in-law, or fiancé(e) are taken ill before you are due to go away necessitating you to cancel the trip.

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My holiday is costing me £6,000 but there is only cover up to £5,000. Can I pay a supplement to cover for the extra risk?

In some circumstances it may be possible, please contact VoyagerIinsurance on 01483 562 662.

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I have just been posted overseas when I should be on holiday. Am I covered to cancel?

Yes. If you are a member of the Armed Forces and you are unexpectedly required for emergency and unavoidable duty, you are covered for cancellation. This also applies in certain circumstances to police, fire, nursing, ambulance or coastguard services provided that at the time of booking your trip you had no reason to believe that you would be called for duty.

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I've just been made redundant. Can I cancel my holiday?

Yes, provided that you are entitled to payment under the current redundancy payment legislation and at the time of booking your trip you had no reason to believe that you would be made redundant.

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If I have to return home for an insured reason, will the insurance compensate me for my lost holiday?

Curtailment means cutting your planned trip short by early return to your home country or admission to hospital as an in-patient so that you lose the benefit of accommodation you have paid for or being confined to your accommodation. The insurance will pay on the basis of the number of complete nights accommodation lost. In respect of travel expenses, the insurance will pay for any additional costs, but not for the loss of pre-booked arrangements.

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If I am delayed at the port due to a blockade of the port am I covered to cancel?

If you are delayed at the port for 12 hours or more for any of the reasons specified in the policy wording, you are entitled to the delay benefit as stated. If this is due to a strike or similar action, this must not have already started or been announced at the time you arranged your trip. However, occasionally it may be necessary to abandon the trip, in which case you are covered for the cost of the trip to the maximum claimable under section 1.

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If I'm stuck at the airport because my flight is delayed can I cancel and go home?

Yes, if the your outbound flight from your home country has been delayed for 12 hours or more. Please refer to section 5 - Travel delay and Abandonment for the specific terms and exclusions.

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Why is the personal accident payment reduced for me? I am 72 years old and I am paying extra premium anyway.

The personal accident payment is reduced for those aged under 16. The policy excludes Permanent Total Disablement claims for those over statutory retirement age who are not in full time paid employment. This is because the benefit is designed to compensate the insured's family in the event that the insured is unable to work.

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Am I covered for the dentist abroad?

Yes, up to £/€350 for emergency dental treatment to natural teeth for the immediate relief of pain only.

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I don't need travel insurance because I'm covered under the EHIC. Is this right?

This is a common misconception. The EHIC in Europe and Medicare in Australia provide reciprocal health arrangements with the UK. However, there are many restrictions such as payment is often limited to a percentage of the total cost; it only applies in certain cases; on-going drugs to treat the condition are not covered nor are ambulance costs and repatriation costs. Under section 2 - Emergency medical expenses, you will not have to pay a policy excess if your claim is reduced by using the EHIC.

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What activities are covered under the insurance?

Leisure
This policy automatically covers you to undertake the activities listed below on an amateur basis
Abseiling Fell Walking Rafting (grades 1-3)
Aerobics Fencing Rambling
Angling Fishing (Angling) Rifle range shooting
Archery Flying (in light aircraft as passenger, not piloting) Roller blading
Athletics Football (recreational or incidental soccer) Roller skating
Badminton Glacier walking (under 2,000m W/S premium must be paid) Rounders
Ballooning Gliding (as a passenger, not piloting) Rowing
Banana boating Go Karting below 250cc Safari (organised trips only)
Baseball Golf Sailboarding (inside 12 mile limit)
Basketball Handball Sailing yachts (longer than 10 metres, within 60 miles of a safe haven)
Biathlon Hiking/trekking/walking below 4,000m Scuba diving (maximum depth 30m)
Big foot skiing (W/S premium must be paid) Hill Walking Skateboarding (recreational)
Black water rafting Hockey Skiing (W/S premium must be paid)
Boating (any craft less than 10 metres long, inside 12 mile limit) Horse Riding (NOT competitions, racing, jumping or hunting) Sledging (W/S premium must be paid)
Boardsailing Hot Air Ballooning (as a passenger only) Sleigh riding (pulled by reindeer, horses or dogs)
Bowls Ice Skating (on a rink, recreational only) Snooker
Bowling Indoor Climbing (on climbing wall only) Snorkelling
Bungee Jumping (incidental 1-3 jumps) Jet Skiing Snowboarding (W/S premium must be paid)
Camel Riding Kayaking (grades 1-3 rivers/sea) Snowmobiling (W/S premium must be paid)
Canoeing (grades 1-3) Kite buggying (single seat) Softball
Clay pigeon shooting Kite flying (traction) Squash
Climbing (indoor only) Kite surfing (over water) Surfing
Cricket Lacrosse Table tennis
Croquet Mono-skiing (W/S premium must be paid) Tai chi (non-contact)
Cross country skiing (W/S premium must be paid) Motorcycling (on road, provided you hold an appropriate full licence and are wearing a helmet, max 31 days any one trip) Ten pin bowling
Curling Mountain biking (not competition or downhill) Tennis
Cycling (recreational, not BMX, competition or stunting) Netball Tobogganing (W/S premium must be paid)
Dance Off-piste skiing (providing local safety guidelines and warnings are observed, W/S premium must be paid) Trampolining (recreational)
Deep sea fishing (recreational inside 12 mile limit) Orienteering Volleyball
Dinghy sailing (inside 12 mile limit) Paintballing Water polo
Diving (recreational) Parascending (towed by boat) Water skiing
Dog sledging Pistol shooting Water tubing
Dry slope skiing Pony trekking White water canoeing/rafting (up to grade 3 rivers only)
Elephant trekking Racquet ball Windsurfing (inside 12 mile limit)
Fell running   Yachting (longer than 10 metres, within 60 miles of a safe haven)
    Zip wiring
Action (not applicable to Long Stay policies unless declared to us and confirmed in writing)
In addition to the activities listed above, the following activities will also be covered on an amateur basis are subject to a 50% premium load.
Bungee jumping (more than 3 jumps) Glacier Walking (2000m-4000m, W/S premium must be paid) Rafting (grade 4 and over)
Canoeing (grade 4 and over) Gliding (as pilot with necessary licence) Scuba diving (maximum depth 40m)
Cycling (including event training) Gymnastics Skateboarding (demonstration or competitive)
Flying (piloting of light aircraft as PPL holder) Kayaking (grade 4 and over) White water canoeing/rafting (grade 4 and over)
Football (amateur competition/tour) Marathon running (not exceeding Olympic distance)  
Action Plus (not applicable to Long Stay policies unless declared to us and confirmed in writing)
In addition to the activities listed above, the following activities will also be covered on an amateur basis are are subject to a 100% premium load.
American Football   Kick boxing (training only)
Bouldering (with crash pad; max height 7m) Heli Skiing (with a qualified guide, W/S premium must be paid) Martial arts (training only; excluding mixed martial arts)
Canyoning Horse riding (including jumping but not racing/hunting) Polo (elephant or horse)
Cat skiing (With a qualified local guide, W/S premium must be paid) Hurling Roller hockey
Cycling (including competition but not BMX or stunting) Ice hockey (W/S premium must be paid) Rugby union & league
Flying (piloting of light aircraft under instruction) Judo (training only) Sailing (more than 60 miles from safe haven)
Gaelic Football Karate (training only) Triathlon (not exceeding Olympic distance)
Gliding (as pilot under instruction) Kendo (training only)  

Special conditions and exclusions applicable to Action and Action Plus activities.

Please Note: Whilst participating in any of the activities listed under Action or Action Plus, the following will apply:

  1. no cover will be provided under section 4 - Personal accident.
  2. no cover will be provided under section 10 - Personal liability.
  3. the policy excess under section 2 - Emergency medical expenses will be increased to £/€200 per person per claim.
  4. Any involvement in these sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as a helmet, harness, knee and/or elbow pads).
Please note the normal policy terms and conditions will still apply in other respects

Please also refer to the general exclusions and conditions.

Cover for other activities may be provided if declared to and accepted by Voyager Insurance Services (01483 562 662). We reserve the right to apply special terms and conditions and an additional premium may also apply. Please see General Exclusions 8 to 11, in the policy wording for more information.

Winter sports activities are excluded unless the appropriate additional premium has been paid. 21 days Winter sports is included as standard on Annual Multi-trip policies. In no event, however, is cover granted for winter sports if you are aged over 74 or for ski jumping, big air, aerials, freestyle or stunting.

Please note you are not covered for anything caused by you travelling on a motor cycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets. There is no cover under personal Liability for anything relating to your ownership possession or use of motorised vehicles.

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Is there cover for cash under the Long Stay policy?

Yes, the policy limit is £/€250 (£/€50 for under 18's).

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If I decide to stay abroad for longer can I extend my cover?

Yes, on a Long stay policy provided you notify us prior to your cover lapsing and subject to there being no claims pending and that you are not aware of any potential claims, your policy can be extended. In no event can the insurance exceed 24 months.

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I returned to the UK for my Grandfather's funeral and used my existing flight ticket to come home. I still have 6 months of my planned trip outstanding. Will the insurance pay for me to go back out and return?

No. The policy covers return trips to your home country of up to 2 weeks, provided these are not subject to a claim. So the policy can continue if the client wishes to pay for their own flights back out.

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Am I covered for bar work?

Yes. You will be covered under all sections except personal liability and personal accident. Please refer to manual work notes on page 25 and the definition of manual work can be found on page 7 of the policy booklet.

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I'm in Australia and I've had all my money stolen. Can I get emergency funds sent out to me from the insurers?

No, but you can contact the 24 hour Emergency Service +44 (0) 2920 468 794 who will advise what is the best course of action.

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I am planning to spend 8 months in Australia and 4 months in other countries around the world. What premium do I pay?

Your premium is calculated at the rate for the area where you will be spending more than 50% of your time.

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Can I return to the UK for short breaks to visit my family during the duration of my policy?

Yes. A return to the UK is allowed for up to 2 weeks. However, no cover would be in force whilst in the UK.

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Can my children travel separately under the family Annual multi-trip policy?

Yes family members can travel separately.

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If I am on a business trip and I'm taken seriously ill, can a colleague be sent out to cover me?

Yes, the insurance will pay for reasonable additional accommodation and travel expenses if a close business colleague has to travel overseas to finish any essential business commitments which were interrupted because of your death, injury or illness during the trip.

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Am I covered for holidays in the UK on the Annual multi-trip policy?

If you have bought the annual multi-trip option, trips wholly within your home country are also insured but only if they include a minimum of 2 nights away from home using pre-booked, pre-paid accommodation or transport.

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Does my age count from the date of inception or from the date of travel?

From the date of inception for annual multi-trip policies and for single trip and long stay policies it is your age at the date of departure.

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If I've already booked my holiday, can I wait and buy the insurance on the date of travel?

You can, but you run the risk of being liable for any charges should you have to cancel in the meantime.

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Am I covered if I have to go into hospital after buying the insurance and before I travel?

Yes, you can cancel subject to the terms and conditions of the policy, if you've already booked your trip and are forced to cancel. For any future bookings you should contact the Voyager Healthcheck on 01483 806 666 if you answer ‘Yes’ to the medical screening questions.

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Voyager Insurance Services Ltd. is a member of the Somerville group of companies.
Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm reference no. 305814)
Voyager Insurance Services Ltd. is registered in England No. 3251842 Registered Office: Buzzards Hall, Friars Street, Sudbury, Suffolk CO10 2AA