The award-winning, inclusive insurance provider. With optional sports, winter sports, cruise and gadget cover. FREE lounge access if your flight is delayed £3,000 of cover from only £7.14
24/7/365 MEDICAL ASSISTANCE
FAMILY COVER INCLUDES FOSTER, SURROGATE AND ADOPTED CHILDREN
UP TO £5,000 CANCELLATION COVER
MEDICAL SCREENING FOR 1000s OF CONDITIONS
"I just bought an Emerald travel insurance policy, multi-trip for my partner and me, and saved £25 a year versus the travel policy I had before!" - Darren Styles , Publisher
Cancellation & curtailment
£3,000
Delayed Departure
£15 per 12 hours upt to £150
Missed Departure
Up to £500
Baggage & Possessions
£1,500
Emergency hospital, medical and personal accident treatment - up to £5m - including emergency dental treatment for pain relief.
Delays to baggage covered up to £250 and vital document replacement covered up to £500
Free lounge access if your flight is delayed.
Cover options based on your needs - Single Trip or Annual trip insurance; business or leisure; individual, couple, single parent or family
Cover up to trips of 45 days
Free cover for up to 6 children after 1st child
Single parent discounts
Automatic cover for personal effects and baggage up to £1,500
Cover for additional kenneling or cattery if you're delayed upon trip return
Major catastrophes covered for additional travel and accomooodation costs incurred because of hurricanes, earthquakes, explosions, fire, and medical epidemic
Flight compensation if your plane is hijacked, or delayed by air rage
Cancellation & curtailment
£5,000
Delayed Departure
£15 per 12 hours upt to £150
Missed Departure
Up to £1000
Baggage & Possessions
£2,000
Emergency hospital, medical and personal accident treatment - up to £10m - including emergency dental treatment for pain relief.
Delays to baggage covered up to £250 and vital document replacement covered up to £500
Free lounge access if your flight is delayed.
Cover options based on your needs - Single Trip or Annual trip insurance; business or leisure; individual, couple, single parent or family
Cover up to trips of 45 days
Free cover for up to 6 children after 1st child
Single parent discounts
Automatic cover for personal effects and baggage up to £2,000
Cover for additional kenneling or cattery if you're delayed upon trip return
Major catastrophes covered for additional travel and accomooodation costs incurred because of hurricanes, earthquakes, explosions, fire, and medical epidemic
Flight compensation if your plane is hijacked, or delayed by air rage
Unable to ski for > 24 hours due to lack of snowfall (Dec-Mar)
Loss, theft or damage to equipment or lift pass
Ski hire, lift passes or ski tuition if fall ill
12+ hour delays due to avalanche
OPTIONAL CRUISE COVER
Repatriation and medical cover
Missed port departure
Cabin confinement
Itinerary change or unused excursions
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.
We are the first insurer in the UK where you do not have to declare HIV as a pre-existing medical condition if you have an undetectable viral load and have been stable on medication for the previous six months.
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.
If you are HIV+ and:
then you do not need to declare HIV as a pre-existing medical condition, and if that is your only medical condition then you do not need to go through medical screening. If you do not meet the conditions above or have other pre-existing medical conditions, then you will need to continue the medical screening and declare those pre-existing medical conditions.
PrEP
You do not need to tell us if you are taking PrEP, provided that you have not previously had a positive test result for HIV. If you have previously had a positive test result for HIV, then please see the question above “What if I am HIV+”.
Birth Control
You do not need to tell us if you are on birth control tablets, unless this has caused any health issues.
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 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 need to proceed to the medical screening process.
In the medical screening process, you are asked to tell us any pre-existing medical conditions and procedures. To be clear, there is no 'condition' of being trans. 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 correct premium.
Yes, we do. We know that families come in all shapes and sizes, and the communities we serve have 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!.
©2020 Emerald Life Limited. All rights reserved. This website contains information on the products and services of Emerald Life only unless otherwise stated. Emerald Life Limited is registered in the UK under number 07201151, registered address 286 Queensbridge Road, London E8 3NH.
Emerald Life Limited is an Appointed Representative of Commercial and General Limited, which is authorised and regulated by the Financial Conduct Authority and appears on the Financial Services Register under number 300001, registered address 17 Teddington Business Park, Station Road, Teddington, Middlesex, England, TW11 9BQ. Emerald Life Limited is an Introducer Appointed Representative of Sterling Client Services Limited, who is authorised and regulated by the Financial Conduct Authority and appears on the Financial Services Register under number 628324, registered address Norman Place, Reading, Berkshire, United Kingdom, RG1 8DA. FCA authorisation can be checked on the Financial Services Register at https://register.fca.org.uk/ or by calling them on 0800 111 6768.NOTE: where percentage discounts are offered on premiums, they do not apply to all components of Emerald’s home and travel policies and so discounts offered may not be exact but an approximation.