Yes. Travel Insurance is compulsory on all of our tours, and Uncover the World offers its own Travel Insurance policies to UK residents through its membership with the Travel Trust Association. If you do not wish to purchase our travel insurance you must provide us with your alternative travel insurance details, before your departure.

 

Full details of all the travel insurance policies we offer, including detailed policy wordings and prices are available on our website. More information...

 

There are strict conditions for cancelling policies.  Firstly, a policy can only be cancelled if you have not yet travelled.  Once you have travelled then the policy cannot be amended nor cancelled.  Secondly, you can only cancel a policy before the 12^th of the month following the month of issue.  Lastly, an insurance policy can only be cancelled if it is replaced by another insurance policy issued by Uncover the World.

 

No. The insurance can be purchased any time before your date of departure.  The insurance cannot be purchased once you have already left your home in the UK. Please note that cancellation cover will only come into effect after your policy has been issued, and if the reason for the cancellation happens after that date

 

No. In order to be comply with FSA regulations, our travel insurance must be sold with travel products i.e. as part of a holiday booking.  We cannot sell travel insurance as a stand alone product.  

 

Each person named on our travel insurance certificates must live in the United Kingdom or Channel Islands. Non-UK residents can check our partners at WorldwideInsure for suitable policies (EU residents / Worldwide residents).

 

Our travel insurance policies do not cover any pre-existing medical conditions. If you have such a condition, then you can still purchase a normal policy from us, and then contact our Medical Pre-Screening company Bishopscourt on 08712 085 544 to obtain an extra quote to cover your condition.

 

A family is defined as 2 adults under the age of 55 for single trip policies, or under the age of 75 for annual policies, plus up to 4 children under the age of 18 (17 years at the date of departure). Please note that all family policies will have an additional charge of £5 per child added to the base premium.

 

Instead of a family policy, you can obtain linked individual policies from us. Children aged under the age or 18 (17 years at the date of departure) will be charged at 50% of the normal adult rate.

·         There is no charge for children aged under 2 years at the date of travel, provided that they are travelling with a fully paid adult.

·         Travellers aged between 18-54 years at the date of departure pay the standard rate. 

·         There is an increased rate for travellers aged between 54-74 and 74-79 years at the date of departure.

·         Travellers aged between 2-73 can travel to a maximum of 122 days duration in any one trip.

·         Travellers aged 74-79 can only travel to a maximum of 38 days duration in any one trip.

·         There is no cover for anyone aged 80 and over.

·         The maximum age is 74 years at the date of departure.

·         Travellers aged between 2-69 can travel to a maximum duration of 45 days for any one trip.

·         Travellers aged 70-74 years at the date of departure can only travel to a maximum of 31 days in any one trip if they are travelling to a worldwide destination.

·         The maximum age is 39 years at the date of departure.

·         There is no cover for anyone aged 40 and over.

·         Maximum duration is 18 months.

A pre-existing medical condition is any medical condition which has been suffered, or for which medical advice, treatment or medication has been received in the last 24 months prior to the date of issue of the policy.

          Firstly, issue the policy online and provide your client with a Policy Certificate and relevant policy wording.  If your client has a pre-existing medical condition, then the client must telephone the Medical Pre-screening company (Bishopscourt) on 08712 085 544.  Failure to advise the Medical Pre-screening company of a pre-existing medical condition will result in claims for those undisclosed conditions not being paid.

          If cover can be provided, the client will be given an acceptance code and the Medical Pre-screening company will send a letter of coverage to the client upon the receipt of the additional premium (where necessary).

 

The principle difference between the three types of policy is the levels of cover.  The silver policy offers the lowest levels of cover at the lower rates and the platinum offers the highest levels of cover at the higher rates.  The levels of cover can be found on the front of the policy wordings.

 

Wintersports cover can only be added to the platinum single trip policy, it is not available on the neither silver nor gold single trip policies.

          17 days wintersports is included in the platinum annual multi trip product.  It is not available on the neither silver nor gold annual multi trip policies.

          Wintersports cover is not available on the backpacker product.

Please refer to page 2 of your policy wordings and the paragraph “Hazardous Sports & Activities”.  This list details all the activities that are included in the policy at no extra premium.  On the insurance form this is called “Ctg 1 (Inclusive)”.

 

You can find a complete list of activities on the insurance page of your Members Web Zone.

Business Cover is only available on the platinum single trip product.  It is not available on the annual multi trip nor backpacker.  The additional levels of cover provided by selecting business cover can be found on the front page of the policy wording and inside under sections M, N O and P.

If you select the ‘Baggage Discount’ box on the insurance form, then cover for the baggage and contents will be REMOVED from the policy and a 10% discount will be applied to the policy.

If you select the ‘Cancellation and Curtailment Discount’ box on the insurance form, then cover for cancellation and curtailment will be REMOVED from the policy.  This option is only available on the gold and platinum single trip product.  You can only select ‘Cancellation and Curtailment Discount’ if the policy is purchased more than 14 days in advance of the departure date.

 

The late booking discount is only available on the single trip product.  If the date of departure is within 14 days of the date of issue of the policy, then the customer is eligible for a 10% discount.  The system will automatically calculate the discount when you complete the insurance form.

No.  There is no excess waiver available.

 

For the single trip policy, a family is defined as 2 adults under the age of 55 (54 years at date of departure) and up to 4 children under the age of 18 (17 years at the date of departure).

          The definition for the annual multi trip policy is the same as the above and there is also a second definition.  The second definition is: 2 adults aged between 55-74 years and up to 4 children under the age of 18 (17 years at date of departure).

 

Any extra adults (for example older children who are above 18 years of age or members of the extended family) can be covered on a separate policy.  They will be charged the individual rate.

 

The family rates can be found in the rates tables.  The rate is as published plus £2.60 per child.

No.  A child must travel with an adult on an Annual Multi Trip policy.