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Everyone Makes Mistakes!
Sometimes in the rush to get ready for a holiday we forget things – like taking travel insurance! Travel insurance is highly recommended in case you have a serious injury, lose luggage, need medical treatment etc.
However with most policies you can only take them out BEFORE you travel. Not so with Emerald’s travel insurance – you can take that out AFTER you travel. Please note the start date has to be not more than 14 days after the original outbound journey date from the UK and the trip does not exceed a maximum of 31 days cover from the cover start date and the cover end date. For all trips, you must have a pre-booked outbound and return flight and the policy must cover the whole remaining duration of the trip for the insurance to be valid.
This over is only valid if a completed and signed declaration is received by Emerald stating; ‘for all persons to be insured, no other insurance is in force for the trip and there are currently no circumstances that could lead to a claim under the insurance.
The reason for this condition is to make sure that customers do not take out insurance after they realise that they may need to make a claim – again, it sometimes happens.
If you are travelling now and you need travel insurance you need to call us. You cannot take cover out online as we have to notify our underwriters, but rest assured that we will do our best. Please again do not do it online as you will not be automatically covered.
Emerald’s number is 0330 113 7109.
But more about what we can cover, once you are looking to take out cover with us…
Introduction to Travel Insurance
Travel insurance provides financial protection against unexpected events like medical emergencies and trip cancellations. It’s essential for travellers to have the right cover, especially when already abroad.
Emergency medical treatment and assistance are crucial components of travel insurance.
Pre-existing medical conditions can be covered with the right policy.
Types of Travel Insurance
Annual multi-trip policies offer cover for multiple trips within a year but if you are already travelling then you can only get a single trip. Single trip policies provide cover for a single trip.
Travel insurance covers medical expenses, trip cancellations, and personal liability. Insurance providers offer various types of policies to suit different travellers’ needs.
Choosing the Right Travel Insurance
Normally we would say that you need to consider your country of residence, travel plans, and medical conditions when choosing a policy. However, as you are already travelling, these may be less relevant. Once you return and are looking for a longer policy, then the following may be relevant.
Look for a policy that provides cover for pre-existing medical conditions.
Check the policy wording for details on what’s covered and what’s not.
Purchase travel insurance from a reputable provider regulated by the Financial Conduct Authority.
What’s Covered by Travel Insurance
Travel insurance covers emergency medical expenses, including ongoing medical care.
It also covers trip cancellations, delays, and interruptions.
Personal liability and legal expenses are often included in travel insurance policies.
Some policies may cover additional costs like accommodation costs and related costs.
Buying Travel Insurance – once you return
in general you should buy travel insurance as soon as you book your trip to ensure you’re covered for cancellations.
Consider an annual policy if you travel frequently.
Check if your existing medical conditions are covered by the policy.
Look for a policy that offers 24/7 emergency medical assistance.
Holiday Insurance
Holiday insurance is a type of travel insurance that covers trips for leisure purposes.
It often includes cover for lost luggage, trip cancellations, and medical emergencies.
Some policies may offer additional cover for activities like scuba diving or winter sports.
Always check the policy wording for details on what’s covered.
Travel Insurance for Pre-Existing Medical Conditions
Some travel insurance policies cover pre-existing medical conditions.
Declare your medical conditions when purchasing the policy to ensure you’re covered.
Check the policy wording for details on what’s covered and what’s not.
Consider a policy that offers medical screening to assess your condition.
Legal Protection
Travel insurance policies often include legal protection, covering legal expenses and representation.
This can be useful in situations where you need to make a claim or defend yourself.
Check the policy wording for details on what’s covered.
Look for a policy that offers 24/7 legal assistance.
Travel Insurance Costs and End Date
Travel insurance costs vary depending on the policy and provider.
The end date of your policy is crucial, as it determines when your cover ends.
Make sure to extend your policy if you need to, to avoid gaps in cover.
Check the policy wording for details on how to extend your cover.
Getting the Best Travel Insurance
Compare travel insurance policies from different providers to find the best cover.
Consider your specific needs, such as cover for pre-existing medical conditions.
Look for a policy that offers 24/7 emergency medical assistance.
Check the policy wording for details on what’s covered and what’s not.
Why Buy Travel Insurance in Advance
Buying travel insurance in advance ensures you’re covered for cancellations.
It also gives you time to review the policy wording and make changes if needed.
Consider an annual policy if you travel frequently.
Look for a policy that offers flexible payment options.
Travel Insurance FAQs
What is travel insurance, and why do I need it?
What’s covered by travel insurance, and what’s not?
How do I purchase travel insurance, and what are the costs?
What’s the difference between single trip and annual multi-trip policies?
Travel Insurance and Activities
Some travel insurance policies cover activities like scuba diving, winter sports, and fruit picking.
Check the policy wording for details on what’s covered.
Consider a policy that offers additional cover for adventure activities.
Look for a policy that includes cover for permitted manual work.
Travel Insurance and Home Visits
Some travel insurance policies allow for home visits during your trip.
Check the policy wording for details on what’s covered.
Consider a policy that offers flexible home visit options.
Look for a policy that includes cover for temporary return to your home country.
Accessing Your Travel Insurance Policy
Most travel insurance providers offer online access to your policy documents.
You can also contact your provider directly for assistance.
Make sure to keep your policy documents safe and easily accessible.
Consider a policy that offers a mobile app for easy access to your documents.
Related Travel Guides and Services
Travel guides can provide valuable information on destinations and activities.
Consider using a travel agency or tour operator for your trip.
Look for a policy that includes cover for travel-related services, such as accommodation and transportation.
Check the policy wording for details on what’s covered.
About Emerald
Our travel insurance provider is regulated by the Financial Conduct Authority.
We offer a range of policies to suit different travellers’ needs.
Our policies include cover for emergency medical expenses, trip cancellations, and personal liability.
We provide 24/7 emergency medical assistance and legal support.
Getting a Quote from Emerald
As mentioned above, you will need to call us on 0330 113 7109. You will not have cover if you just apply online, so call uas and we can help as long as you meet the conditions above.
