Travel Insurance

The terms and levels of cover will vary from insurer to insurer, however a good comprehensive policy will include cover for cancellation and trip disruption, the cost of medical expenses if you were to need treatment whilst abroad and cover for the loss of personal baggage and belongings.

There are many different types of travel insurance; all of which can be compared and bought via One Call Insurance. The most common are:

Single trip travel insurance

Single trip travel insurance is designed to cover you for a single trip that is up to 183 days in length.

Annual travel insurance

If you travel regularly, you could save money with an annual travel insurance policy. You’ll also need annual travel insurance if you’re embarking upon a single trip that’s longer than 183 days in length.

Worldwide travel insurance

Standard travel insurance will generally only provide cover for trips to mainstream European destinations. However, some insurers push the boundaries to include popular destinations such as Egypt and Morocco. If you plan to go further afield – Asia, America or New Zealand – for example, you should look at worldwide travel insurance.

Winter sports insurance

Winter sports insurance is specifically designed to offer protection against the risks involved in participating in high-risk winter sports such as skiing and snowboarding. In most cases, it provides cover for medical expenses, being helicoptered to safety and any specialist teams or equipment that might be needed to evacuate you if you are involved in an accident.

What people often don’t realise is that travel insurance provides cover before you even begin your holiday - so it's important to book your travel insurance when you book your holiday to benefit from all your policy has to offer.

For example, a policy with cancellations cover gives you instant protection for financial losses resulting from your holiday being cancelled by the tour operator and by yourselves due to unforeseen circumstances. Equally, where provided, terrorism cover is active beforehand, ensuring you aren’t left out of pocket if an act of terrorism results in you being unable to go on your holiday.

With this in mind, it makes sense to ensure you have travel insurance in place as soon as possible, preferably as soon as you’ve received confirmation of your holiday booking. It also reduces the risk of you forgetting to book your travel insurance and subsequently ending up uninsured.

The price you are quoted for travel insurance will vary greatly based on a combination of factors that are specific to you and your trip.

For example, your age, whether or not you have a pre-existing medical condition, the country or countries you’ll be travelling to and how substantial you want your cover to be. You should also bear in mind that the cheapest option won’t necessarily be the best; like most things in life, you get what you pay for.

There are a number of things you can do to ensure you pay a good price for travel insurance. These are:

If you have a pre-existing medical condition, the most important thing is that you declare it - no matter how minor you think it may be. If you do not declare this and you need to make a claim directly related to this condition whilst you’re away, it is likely that your claim will be rejected.

Just Travel Cover specialise in providing travel insurance for all ages and medical conditions. So please don’t worry if you have an underlying health condition as they aim to find an insurer who can meet your needs.

Don’t worry, many policies purchased via Just Travel Cover offer Covid-19 cover which includes medical expenses and cancellation cover should you contract Coronavirus.

As long as you have selected an insurer/policy that offers this, you will be able to recover costs of your holiday if you test positive for Coronavirus and cannot travel. In most cases, you will need to present a medical certificate and test result proving you have contracted Coronavirus in the lead up to your holiday.

Yes, all policies will cover the cost of medical expenses incurred if you were to contract Coronavirus whilst you’re away and need emergency medical treatment – this is included as standard. Be careful to read the information provided during your journey of purchasing insurance, to check what is covered in your chosen policy as cover levels will vary from insurer to insurer.

You will need to check the policy wording for your chosen insurer, as the terms and conditions will vary. Some providers will allow you to change the dates on your travel insurance policy, but this will depend on the insurance provider.

If your chosen airline is not ABTA or ATOL protected, you will be covered providing you have taken out qualifying travel insurance. At Just Travel Cover, this level of cover is included in gold travel insurance policies (this is also optional on silver and bronze packages too).

Please note: you should always carefully read through the terms and conditions of your insurance documents and Policy Wording, as levels of cover may vary from insurer to insurer.

Yes, travel insurance is still a must - even if your holiday is ABTA or ATOL protected.

Whilst it can offer some assistance if your travel company cannot fulfil your holiday, ABTA and ATOL protection does not cover you for the likes of medical expenses for treatment abroad, delays and cancellations, or lost luggage.

Yes - ideally, you should take out travel insurance just as you would when travelling abroad. You may think that because you’re holidaying in the UK you don’t need travel insurance as we’re supported by the NHS. However, there is more to travel insurance than simply covering the cost of medical treatment. Travel insurance can offer financial protection against the likes of holiday cancellations, lost luggage and trip disruption.

Imagine you’re due to go on a two week adventure holiday in the Peak District - accommodation and activities all paid for, when you’re unfortunately made redundant and can no longer afford your trip. The financial consequences of a last minute holiday cancellation would certainly add to your stress in the short term - but if you’re insured, your insurer will help you recover the costs and you may be able to reschedule for a more convenient time.