Travel Insurance
We can arrange stand-alone travel insurance for trips of up to 60 days. Alternatively we can arrange an annual travel extension to our Horizon Home Comforts policies, where we can cover trips of up to 180 days.
Comfort Horizon Policy Summary
- Emergency medical and associated expenses cover up to £5,000,000
- Cancellation and/or abandonment cover up to £5,000
- Legal expenses and advice cover up to £50,000
- Optional cover for trips from 60 days up to 90, 120 & 180 days
- Optional covers for winter sports
- Cover available for European and Worldwide destinations
- 24 hour Travel insurance helplines
What type of policy do I need?
If you're planning to travel more than once a year, then our Annual policy may be ideal and work out cheaper for you than buying several single trip policies. Our Annual policy covers you for an unlimited amount of trips, including UK breaks, and you can select up to 180 days per trip.
When should I start my annual travel insurance policy?
For annual travel insurance policies, full cover comes into effect from the date you start the policy (rather than the date of your first trip), so please choose to start your policy immediately to protect yourself against cancellation of a trip you already have booked in the future.
What is the longest period of time that I can have cover for?
You can buy a single trip policy for the number of days you are going away – from 1 day up to 94 days. Our annual cover is as outlined above.
I have an existing medical condition; can I still have cover under this policy?
You will need to refer to us so that we can get underwriter's terms and acceptance
A member of my family or travelling party has an existing medical condition; can they still have cover under this policy?
You will need to refer to us so that we can get underwriter's terms and acceptance
Can you arrange travel insurance for someone who is not travelling from the UK?
We are only able to insure people who are travelling from the UK and returning to the UK. Travellers from outside of the UK will require insurance from that country or through a broker.
Do I need to take my policy with me when travelling?
Yes, we recommend you take your policy booklet and schedule on holiday with you so that you can refer to it if necessary.
Do you cover my car if it breaks down when I am travelling in Europe?
Our travel policy does not cover car breakdown and you should insure yourself separately with a European Breakdown Policy.
I have an annual policy. What happens at renewal?
About 21 days before your policy is due for renewal, you will receive a letter from us with details of your cover for the next year and usually your new premium. If you chose our automatic renewal service you will not need to contact us, unless anything has changed, as we will automatically renew your policy using the payment details you gave us last year.
What is an EHIC card and when do I need it?
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.uk/travellers. If you use an EHIC to reduce the cost of your medical treatment in Europe and we successfully recover 75% or more of any amounts we have paid on your behalf, you will not have to pay the excess.
What is my excess?
The excess is the amount you must pay towards any claim. The basic excess on all our Travel Insurance policies is £50.
