Award-winning Emerald can now provide improved cover for cancellation if you catch COVID BEFORE you travel, as well as £10m for emergency medical treatment or repatriation if you contract COVID abroad
Standard Cover
24/7/365 MEDICAL ASSISTANCE
FAMILY COVER INCLUDES FOSTER, SURROGATE AND ADOPTED CHILDREN
UP TO £7,500 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
Am I covered if I (or my travelling companion or people we are due to stay with) test positive for Coronavirus (COVID-19) within 14 days of my holiday?
Yes. Cover is provided if you have received a positive diagnosis of Coronavirus within 14 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.
Am I covered for medical costs if I fall ill with Coronavirus (COVID-19) whilst I am abroad?
Yes.This would be covered under medical expenses section of the policy. If medically necessary we will also arrange for you to be brought back home.
Am I covered if I have checked in at my holiday accommodation, but they then need to close as a result of coronavirus?
No. It will be up to the accommodation provider to source suitable alternative accommodation.
Am I covered for any additional costs following the diagnosis of Coronavirus COVID-19 whilst abroad?
Yes. These would be covered under medical expenses section of the policy, within the terms and conditions. It will offer cover for room only and travelling expenses for you and a close relative or friend who might be required to help you.
Am I covered if I fall ill with COVID-19 whilst abroad and as a result need to extend my stay?
Yes. Your policy would also automatically extend to cover this.
Am I covered if either myself or my travelling companion have to self-isolate because we have come into contact with someone who has Coronavirus (COVID-19)?
No. You are only covered if a positive diagnosis has been made and you have received a positive COVID-19 NHS test and provide us with a medical certificate from the hospital to show your hospitalisation. If there has been no diagnosis and you are just asked to self-isolate, then you would not be covered under this policy.
Am I covered if I am shielding currently or my doctor has advised against travel because of Coronavirus (COVID-19)?
No. We would not expect people who are required to shield to be actively booking trips due to the current pandemic and the advice for them not to travel, as this would be a known risk. However, should the current pandemic disappear, shielding cease and you book a future trip and subsequently receive a positive NHS test or hospitalisation due to a future pandemic outbreak, cover would be provided.
Am I covered if my trip is going ahead as planned but I no longer wish to travel?
No. This is called disinclination to travel. This is because however valid you feel your reason is for not wanting to take the trip, it is still your choice as to whether to go. An insurer will not pay any claim for that reason.
Am I covered if the Foreign & Commonwealth Office (FCO) or World Health Organisation (WHO) or local regulator advise against all but essential travel?
No. There would be no cover under any terms of the policy.
Am I covered if I am refused entry into a country due to Coronavirus (COVID-19)?
No. You would only be covered under the medical expenses section of cover if you are diagnosed with COVID-19 and this is the reason entry is prevented. For any other reason your tour operator or travel company should help you and you should contact them for assistance.
Am I covered if the area I am staying is placed into lockdown by the local government and I cannot return home when I am due to come back?
No. You should contact your tour operator or travel company for assistance.
Am I covered if I (or my travelling companion or people we are due to stay with) test positive for Coronavirus (COVID-19) within 14 days of my holiday?
Yes. Cover is provided if you have received a positive diagnosis of Coronavirus within 14 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.
Am I covered if I (or my travelling companion or people we are due to stay with) have been hospitalised because of Coronavirus (COVID-19)?
Yes.Cover is provided if you are admitted to hospital due to Coronavirus within 28 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.
Am I covered if either I or my travelling companion are denied boarding by the transport operator (eg. airline) as a result of a positive test or temperature reading?
Yes.Cover is provided if you or your travel companion are denied boarding following either a COVID-19 diagnosis with an NHS or other government official test or receiving a temperature test reading or other medical test which falls outside of the transport provider’s terms of travel.
Am I covered for medical costs if I fall ill with Coronavirus (COVID-19) whilst I am abroad?
Yes.This would be covered under medical expenses section of the policy. If medically necessary we will also arrange for you to be brought back home.
Am I covered if I have checked in at my holiday accommodation, but they then need to close as a result of coronavirus?
Yes. provided that you have already checked in. If the accommodation closes after you have left home but before you check in and you are no longer able to enjoy the holiday you booked this is not covered because it will be the responsibility of your tour operator or travel company to assist you. You will need to approach them in this scenario.
Am I covered for any additional costs following the diagnosis of Coronavirus COVID-19 whilst abroad?
Yes. These would be covered under medical expenses section of the policy, within the terms and conditions. It will offer cover for room only and travelling expenses for you and a close relative or friend who might be required to help you.
Am I covered if I fall ill with COVID-19 whilst abroad and as a result need to extend my stay?
Yes. Your policy would also automatically extend to cover this.
Am I covered if either myself or my travelling companion have to self-isolate because we have come into contact with someone who has Coronavirus (COVID-19)?
No. You are only covered if a positive diagnosis has been made and you have received a positive COVID-19 NHS test and provide us with a medical certificate from the hospital to show your hospitalisation. If there has been no diagnosis and you are just asked to self-isolate, then you would not be covered under this policy.
Am I covered if I am shielding currently or my doctor has advised against travel because of Coronavirus (COVID-19)?
No. We would not expect people who are required to shield to be actively booking trips due to the current pandemic and the advice for them not to travel, as this would be a known risk. However, should the current pandemic disappear, shielding cease and you book a future trip and subsequently receive a positive NHS test or hospitalisation due to a future pandemic outbreak, cover would be provided.
Am I covered if my trip is going ahead as planned but I no longer wish to travel?
No. This is called disinclination to travel. This is because however valid you feel your reason is for not wanting to take the trip, it is still your choice as to whether to go. An insurer will not pay any claim for that reason.
Am I covered if the Foreign & Commonwealth Office (FCO) or World Health Organisation (WHO) or local regulator advise against all but essential travel?
No. There would be no cover under any terms of the policy.
Am I covered if I am refused entry into a country due to Coronavirus (COVID-19)?
No. You would only be covered under the medical expenses section of cover if you are diagnosed with COVID-19 and this is the reason entry is prevented. For any other reason your tour operator or travel company should help you and you should contact them for assistance.
Am I covered if the area I am staying is placed into lockdown by the local government and I cannot return home when I am due to come back?
No. You should contact your tour operator or travel company for assistance.
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!.
Please contact us at customerservice@emeraldlife.co.uk or call us on 0330 113 7109, giving details of your individual circumstances and we will see what we can do.
Your policy is sent to you via the email address you provide us. Please note that some internet providers filter out automated emails as SPAM so please check your SPAM/junk folder if the email has not been received. If you haven’t received it please email us at customerservice@emeraldlife.co.uk or call us on 0330 113 7109 to send it again.
If you purchased your policy on or after 20 February 2021, contact our 24 hour emergency helpline tifgroup-assistance on 00 44 (0) 203 829 3818. If it is not an emergency please call 00 44 (0) 203 829 3817.
If you purchased your policy on or after 16 April 2020 but before 19 February 2021 please contact International Medical Rescue on 00 44 (0) 2380 177474.
If you purchased your policy between 26 April 2019 and 15 April 2020 please contact International Medical Rescue on 00 44 (0) 2380 644633.
If you purchased your policy after 19 February 2021 then please download a claims form at www.policyholderclaims.co.uk or please provide your policy details and the section you are claiming under to tifgroup-claims, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY.
If you purchased your policy on or after 16 April 2020 but before 19 February 2021 please contact International Medical Rescue on 02380 177285.
If you purchased your policy between 26 April 2019 and 15 April 2020 please contact International Medical Rescue on 02380 177469.
Generally yes if you have selected that as a covered area of travel, but please look at the terms and conditions of the policy for the necessary details.
If you would like to amend your policy you can do so by contacting us at 0330 113 7109.
Please see your policy wording for how to make a claim.
Email: complaints@emeraldlife.co.uk Tel: 0330 113 7109 Letter: Emerald Life Limited, 286 Queensbridge Road, London E8 3NH.
For single trip policies after 3rd March 2021 and annual policies after 26st March 2021
Standard Cover
Standard
Covid+
Cruise Cover
Silver
Gold
Platinum
Standard
Covid+
Cruise Cover
Silver
Gold
Platinum
Gold Covid+
Platinum Covid+
©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.
