Frequently Asked Questions
- What cover is available under my policy in relation to Coronavirus or FCDO change in advice?
For full details about our travel insurance policies and Coronavirus/Covid19 please see our dedicated page:
- Can I contact YourTravelCover by telephone?
- YourTravelCover is dedicated to keeping your insurance costs to a minimum.
You can only buy insurance from YourTravelCover online. We don't have huge and expensive call centres. The savings we make by keeping lean and mean are passed on to you by way of cheaper premiums with the added benefit that you don't have to waste valuable time listening to background music whilst waiting in telephone queues!
- When and how will I receive my Policy Documents?
- Your policy documents will be e-mailed to you once you have completed your application. They usually arrive in your Inbox within a few minutes, but at busy times you should allow up to 24 hours.
TIP - if you haven't received your policy documents within 24 hours - check your Junk Mail inbox - there is a chance that your junk mail filters may have inadvertently sent these important documents to Junk Mail. This doesn't happen very often but it can happen!
- I have a pre-existing medical condition. Will this be covered under my YourTravelCover Policy?
- Our silver, gold and platinum policies can all cover existing medical conditions. You will need to declare your medical conditions to us in order for them to be covered.
- Is private medical treatment covered abroad?
You should be aware that travel Insurance is not private medical insurance, in that it only covers unavoidable, unexpected emergency treatment. You are not covered for private medical treatment if there are medically capable public facilities available.
If you become unwell, or sustain a minor injury whilst abroad, you must call our 24/7 assistance team so that they can help you find appropriate treatment locally.
However, you should call the local emergency services immediately, 112 in Europe, 911 in the USA and Canada or the local equivalent to 999, if you have any symptoms that might require emergency treatment including, but not limited to, difficulty breathing, chest pain, seizure (fit) activity, decreased level of consciousness, heavy bleeding, sudden swelling of the face and lips, signs of a stroke or any other life-threatening condition. You must, in all cases call our 24/7 assistance team to authorise cover. Failure to do so may invalidate your claim.
- Are gadgets such as mobile phones or tablets covered?
- The insurance does not cover gadgets such as tablets or mobile phones as standard. You will need to purchase the ‘Phones, Tablets & Other Gadgets’ extension to cover you up to £1,000 for damage, loss or theft of gadgets like these (terms and conditions apply see the full extension wording for details).
- I do not live in the UK and or I am not a resident of the UK - can I get cover with YourTravelCover?
- No. YourTravelCover can only cover residents of the United Kingdom
You must have resided within the United Kingdom for no less than 6 months, have a permanent United Kingdom Address and be registered with a United Kingdom General Practitioner.
- What if I want to cancel my policy?
- If you change your mind or your travel plans change and so long as you have not traveled or made a claim, you have a 14 day period from when you take out the policy to cancel the policy and obtain a full refund of the premium.
E-Mail Your Travel Cover at firstname.lastname@example.org, confirming that you wish to cancel your policy and provide the following information:
Date you purchased the policy
Your reason for cancellation
Your confirmation that you have not travelled since your purchased the policy
Your conformation that you have not claimed or do not intend to claim under the policy
And a contact telephone number
Remember, we guarantee to respond within 24 hours for queries received Monday (excluding bank holidays) to Thursday and by midnight Monday (excluding bank holidays) for queries received Friday to Sunday.
- Do I need to take my travel insurance policy with me when I travel?
- Yes, definitely, absolutely.
Your policy contains critical information on things like what to do in the case of a medical emergency abroad, it gives you the full details on what you are covered for and what you are not covered for.
- How do I make an amendment to a Policy I have already purchased?
- E-Mail Your Travel Cover at email@example.com, confirming that you wish to amend your policy and provide the following information (remember amendments made to the policy after 14 days are subject to an administration charge):
Date you purchased the policy
The amendments you wish to make
Remember, we guarantee to respond within 24 hours for queries received Monday (excluding band holidays) to Thursday and by midnight Monday (excluding bank holidays) for queries received Friday to Sunday.
- Annual Multi Trip Policies - Can couples travel independently?
- Annual Multi Trip Policies - Can children travel independently?
- No. Children must always be accompanied by a named insured adult on the policy.
- Annual Multi Trip Policies - How many days can each trip be and is there a maximum number of trips/days I can take in a year?
- Each trip must be for a maximum of 31 days, but there is no limit on the number of trips you can take.
- Am I covered when I am pregnant?
Travelling When Pregnant -
Pregnancy and Childbirth are not considered to be medical conditions.
Our policies are designed to include cover under the Cancellation section (Policy A Section 1), Curtailment section (Policy B Section 1) and Medical and Repatriations Expenses section (Policy B Section 4) for Pregnancy and Childbirth from week 0 to week 28 inclusive for a single pregnancy, or week 0 to week 24 inclusive for a multiple pregnancy, whilst you are away.
From the start of week 29 and up until week 40 for a single pregnancy, or the start of week 25 and up until week 40 for a multiple pregnancy, cover is only provided under the Cancellation section (Policy A Section 1), Curtailment section (Policy B Section 1) and Medical and Repatriations Expenses section (Policy B Section 4) if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, medically necessary Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.
The policy will not cover any claims relating to normal pregnancy or normal childbirth.
Please note we will not cover denial of boarding by your carrier, so you should check that you will be able to travel with the carrier/airline in advance.
It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.
Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications and you are fit to undertake the planned trip
- What if my trip is cancelled by my travel provider?
- There is no cover under the policy to make a claim if your trip is cancelled or postponed by your travel provider. In this situation you should contact your travel provider, please see the further information below about your legal rights if you have had a package holiday or a flight cancelled.
Cancellation of Package Holiday Arrangements: If you booked via a travel agent or tour operator or have booked more than one element including a flight from the same provider, then the trip is considered as packaged and package travel regulations apply. You should contact your travel provider about a obtaining a refund or an alternative trip.
Cancellation of Flights and Air Passenger Rights: Flight cancellations by the airline need to be claimed directly from them and are not covered by travel insurance. Flight companies are regulated by the Civil Aviation Authority. If your flight operator cancels or can’t fulfil your flight then there is protection available under something called the ‘Montreal Convention’. All around the world, passenger rights for international flights are protected under the Montreal Convention. Essentially, this piece of law states that the airline is responsible for you if your flight is cancelled and/or you are left stranded at an airport waiting for a flight. These measures of care include: Meals and refreshments, Communication to the outside world (two occasions), Hotel accommodations when necessary, Rerouting to your final destination. In countries like Canada, Israel and the Member States of the European Union, your rights are protected even further. Like any piece of law, it is complicated and not that easy to read! But below is a link and if you google CAA and Montreal Convention then you will find some useful information online that may help you.