What is travel insurance?

Travel insurance is designed to cover costs and losses that could happen when travelling.

A reason for travel could be a holiday, visiting friends and even business.

It provides financial protection if you were to face certain issues whilst travelling, this could be from loss of luggage to the cost of medical care if you were to fall ill or have an accident.

Is travel insurance a legal requirement?

Travel insurance is not a legal requirement, however, if you don’t take it out and you fall ill or have an accident while travelling, you’re required to pay the bill which could run into thousands of pounds.

Travel insurance can cover the costs of medical treatment, lost or stolen baggage and even cancellation fees.

What is an excess?

An excess is the amount you’re required to pay if you make a claim on your policy; it’s what you contribute before your provider pays towards your claim.

The excess is per person per incident, limited to two excess amounts if more than one insured person is claiming, per trip.

Please refer to the excess amounts below:

• Bronze excess
  £99
• Silver excess
  £75
• Gold excess
  £50

If you have added excess waiver (only available on Gold) to your policy this will remove the excess from any claim. This cover is one of our optional add-ons and if you have purchased this it will be shown on your policy schedule.

What’s covered with Select & Protect?

• Up to £3,000 personal belongings and baggage cover and up to £5,000 cancellation cover.
• Our Gold travel insurance product can cover you for up to £10 million medical expenses cover per person.
• 24/7 UK emergency helpline, we are there for you when you need us the most!
• Up to £750 gadget cover included as standard with an optional add-on to increase gadget cover further.

For further information on what is and isn’t covered, check out our important documents

• FAQs
• IPID
• Policy wording

What types of cover does Select & Protect offer?

Each policy give you the confidence of knowing you’ll be covered if the unexpected were to happen.

• Annual multi trip
  If you have more than one trip planned this year, our annual policy allows you take multiple trips to multiple destinations across a 12-month period. Providing you with flexibility when and where you decide to travel.
• Single trip
  Aimed at travellers who plan on taking a one-off holiday or trip this year, our single trip policy is better value if you only need cover for one trip. This could be anything from a short UK break to a longer trip abroad.
  
  Maximum trip limits available when purchasing or extending a policy are dependent on your age. Further information can be found in the policy wording
• Medical
  You can tailor our policies to cover you for a wide range of pre-existing medical conditions, once declared, we can make sure you have the right cover to give you peace of mind when travelling.
  
  If we don't know about your medical history, any pre-existing conditions will be excluded, and you could face a significant bill if you become unwell whilst travelling.
  
  During this period any trip not exceeding 31 days is covered. Further information can be found on policy wording
• Over 50’s
  Experience the joys of travel, no matter how old or young!

Ensure you declare all medical conditions when getting a quote to avoid any unwanted bills you may face if you become ill whilst travelling.

You can tailor your policy to include, cruise cover, golf cover and a wide range of medical conditions to give you peace of mind when travelling.

Check out our FAQs for information on age limits.

If you have any questions about what other cover is offered by Select & Protect Travel insurance use our FAQs or contact an agent using our online chat!

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