What is covered?
The main sections of cover offered by our travel insurance are:
Up to £3,000 per person
Up to £5,000 per person
Emergency medical expenses
Up to £5,000,000
Up to £10,000,000
Daily hospital benefit
Up to £450
Up to £600
Up to £7,000
Up to £7,000
Baggage and personal possessions
Up to £1,500 per person
Up to £2,000 per person
Up to £250
Up to £250
Kennel/cattery fees if delayed return
Up to £200
Up to £300
Up to £10,000
Up to £25,000
Up to £1,500,000
Up to £2,000,000
Our cover also extends to delayed departure, missed departure, certain additional travel costs, loss of passport/driving license, loss of money, legal expenses, hijacking, muggings and air rage, and £500 of legal costs should you be arrested because of your sexuality.
All sections of your policy have limits on the amount you're covered for. There are also specific limits under the personal effects and baggage section for single items, valuables, and items for which there is an original receipt, proof of purchase or an insurance valuation.
Under some sections of your policy, claims will be subject to an excess. The excess will be applied per person, per section and per incident under which a claim is made. This means that you will be responsible for the first part of the claim. The amount you have to pay is the excess.
What is not covered?
For a full breakdown of what's not excluded in your travel insurance, read the policy in full
– but, in a nutshell, you're not covered for:
- medical conditions that you did not tell us about
- claims where you should not have been travelling (for example, against doctor’s orders)
- war or terrorism, or travelling to a country when advised not to by the Foreign Office
- your own criminal or illegal action, unless specifically covered elsewhere
- your failure to take reasonable care of yourself or your possessions
What additional cover can I buy?
By paying an additional premium, you can add any of the following to your policy:
- Annual policy continuous days extension – increase your number of maximum continuous days abroad from 31 to 45
- Winter sports cover – covering loss of ski equipment or ski pass, piste closure, avalanche and landslide cover
- Adventure cover – for scuba-diving, horse-riding holidays, and other adventure sports and activities
- Golf cover – for loss of equipment, extra hire cover, closure of course, and even a hole-in-one bar bill!
What is the maximum age you insure up to?
For trips to Europe, the maximum age we can insure is 74.
Can you insure non-UK residents?
At Emerald, we only offer travel insurance for permanent UK residents – meaning you must have lived in the UK or Channel Islands for at least 6 months of the last year, and be registered with a local UK medical practitioner.
Do you offer travel insurance for pre-existing conditions?
It depends on the condition. When you take out your policy, we'll ask you about pre-existing medical conditions. If you have one, we'll ask you a few more questions about it and see if we can offer you cover. If we can, your premium may be increased, so we'll offer you two prices – one with cover for the condition, and one without.
If you choose to have pre-existing medical condition cover, you will of course be covered for this while abroad – but you must let us know if your condition changes between taking out your policy and the start of your travels.
If you don't disclose a pre-existing medical condition when you take out your policy, you won't be covered for any claims relating to that condition.
I have a pre-existing medical condition. Do I need to discuss this with a call centre representative?
No, not always. We do offer travel insurance for pre-existing medical conditions, but we know talking to a stranger about your condition can be difficult. So we use a smart piece of online software, which analyses medical data to give you an accurate pricing for your pre-existing condition cover.
Sometimes, there may need to be a follow-up phonecall with a member of our specially-trained team to find out about the current state of your condition. And of course, if you would like to speak to one of your team, you can get them on 0330 131 9950
There is a question asking if I have any ‘pre-existing medical conditions’. How do I answer that question if I am transgender?
The purpose of this question is to clarify if you have any
conditions that might need to be declared and/or which might (only might)
result in increased premiums. Not all conditions increase the risk of falling
ill while you are travelling but some might.
There is a help note beside the “pre-existing medical
conditions” question (click on the “?” hover button beside the question), clarifying
that if you are trans you should answer ‘yes’ to this question. This leads to
three more questions to understand if a more detailed online medical screening
process is needed. One of the questions asks if you have seen a specialist,
consultant or doctor in the last 12 months. If the answer to this question is yes,
you will proceed to the medical screening process.
In the medical screening process, you are asked to type in pre-existing
medical conditions and procedures. To be clear, there is no ‘condition’ of
being trans and this will not come up if you type it in. If you are trans,
there may be certain specific procedures you have had as part of transitioning
which may increase your risk of falling ill while travelling, and which
therefore should be disclosed as part of the application process. Pre-existing
conditions or procedures will not necessarily mean that your premium will
increase, but they must be disclosed to allow us to accurately calculate the
If you go through the medical screening process and list
specific conditions and procedures, then you have met the requirements of the
screening process even though you have not stated that you are trans. Claims will not be declined simply because
you are trans and this was not disclosed in the application process. For
example, if you have entered ‘vaginal reconstruction’ as a procedure in the
last 12 months, there is no question about the purpose or reason behind the
procedure. Similarly, if you have entered ‘mastectomy’, then there will be a
question on incidence of breast cancer but otherwise no question about the
purpose or reason behind the procedure.
In summary, it may be that a travel premium is higher
because you have had recent medical procedures, but it is not higher because
you are trans. However, we are unable to
give advice in this FAQ for specific cases, so if you require further support
please call us on 0330 131 9950 or email at firstname.lastname@example.org.
When does my insurance start?
is covered from the moment you purchase your travel
insurance policy but most of the cover offered by our policies is only
relevant once you've started your journey. Our annual travel insurance policy runs for one year, while single trip cover is flexible –
from 3 days to 45 days, so you only pay for what you need. Your cover runs up
until you return home (right to your front door) on the last day of your
How long can I be away for if I have an annual multi-trip policy?
The longest you can be away on any one holiday is 31 days, unless you've chosen to purchase additional cover for up to 45 days. If you've taken out our winter sports cover, then the maximum length of time you can be on the piste is 17 days, per trip.
Should I take my policy with me on holiday?
Yes, as you will need our contact
details in the event of the claim. There
are clearly set out on the second page of your policy. If you can print out a
copy of your travel insurance policy or
save it to your mobile, it could prove very helpful if you need to make a claim
What happens when my annual travel insurance multi-trip policy expires?
We'll notify you by email when
your multi-trip cover is about to expire, and you can choose to renew it for
another year. If you want to renew your Emerald policy, don't wait until you're
on holiday, as you can't renew a policy once you're already travelling.
Do you offer a discount on family travel policies for single parent families?
Yes, we do. We know that families come in all shapes and sizes, and the
LGBT community has a diverse range of family units. If you're a single parent
taking the kids away, we'll give you a discount so you can spend more on the
kids – or more on yourself!
How many children can I insure on my travel insurance policy?
With our family travel insurance, you can insure up to six children – up
to the age of 17, or 21 if they're in full-time education. This includes
grandchildren and foster children, of course – and travelling with children
under 3 years of age won't increase your premiums.
If we have an annual family travel insurance policy, can we all travel independently?
adults can travel independently, but any children need to travel with an adult
who's insured under the policy. Children are defined as up to 17 years of age,
or 21 if in full-time education – and this includes grandchildren and foster
What are Reciprocal Heath Agreements? What is an EHIC?
If you are travelling to European Union countries you should
obtain a European Health Insurance Card (EHIC). You can apply either online
through http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC or by telephoning 0300 330 1350. This will entitle you to benefit
from the reciprocal health agreements, which exist between certain European
countries. In the event of a claim being accepted for medical expenses which
has been reduced by the use of an EHIC, or Private Health Insurance, the
deduction of the excess under the medical section will not apply.
What is Medicare?
When you are travelling to Australia and you have to go to
hospital, you must register for and make use of the treatment offered under the
national Medicare scheme. If you know
you need treatment, you can enrol for Medicare at a DHS Service Centre. If you
receive treatment before you enrol, Medicare benefits will be back-paid for eligible
Which vaccinations do I need?