Travel Insurance

The award-winning, inclusive insurance provider
Cover from under £9.50*

*Based on an individual single trip policy for 3 nights to Europe. Any discount offered excludes Scheduled Airline Failure and Consular Assist.

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TRAVEL INSURANCE THAT HELPS YOU TAKE OFF

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    24/7/365 MEDICAL ASSISTANCE 

  • Family Icon

    FAMILY COVER INCLUDES FOSTER, SURROGATE AND ADOPTED CHILDREN

  • Cancellation cover

    UP TO £5,000 CANCELLATION COVER

  • Online medical screening

    CONFIDENTIAL ONLINE MEDICAL SCREENING PROCESS

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There's a lack of understanding about the realities of living with HIV today, I want an
insurance provider who understands and doesn’t increase premiums unnecessarily

Paul Fleming, Fundraising and Communications Director

UNIQUE INSURANCE
TAILORED FOR YOU 

THE EMERALD DIFFERENCE


  • 1,000s of medical conditions covered including HIV, HepB & HepC
  • 24-hour helpline if you're detained, arrested or assaulted abroad because of your sexuality - a UK first
  • Confidential online medical screening process
  • Vet and extra kenneling costs if delayed

PROTECT YOURSELF


  • 24/7/365 emergency medical assistance
  • Up to £2,000 cover for baggage and personal effects per trip
  • Automatic cover for mobile phone & other gadgets
  • Single trip or annual cover

CHOOSE YOUR LEVEL OF COVER AND OPTIONAL EXTRAS 

CORE


Cancellation & curtailment
£3,000
Delayed Departure 
£15 per 12 hours up to £150
Missed Departure 
Up to £350
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 £300

ConsularAssist included in all policies providing support and legal or translation referrals for arrest, detention or if you are a victim of a crime

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

Family policies available for Grandparents and Grandchildren

Technology and gadgets automatically covered

Cover for additional kenneling or cattery if you’re delayed up on trip return

Major catastrophes covered for additional travel and accommodation costs incurred because of hurricanes, earthquakes, explosions, fire, and medical epidemic

Flight compensation if your plane is hijacked, or delayed by air rage

Scheduled Airline Failure cover included in all policies

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PREMIER 


Cancellation & Curtailment      
£5,000
Delayed Departure 
£15 per 12 hours up to £150
Missed Departure 
Up to £1,000
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

ConsularAssist included in all policies providing support and legal or translation referrals for arrest, detention or if you are a victim of a crime

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

Family policies available for Grandparents and Grandchildren

Technology and gadgets automatically covered

Cover for additional kenneling or cattery if you’re delayed up on trip return

Major catastrophes covered for additional travel and accommodation costs incurred because of hurricanes, earthquakes, explosions, fire, and medical epidemic

Flight compensation if your plane is hijacked, or delayed by air rage

Scheduled Airline Failure cover included in all policies

More

OPTIONAL WINTER COVER


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 Golf Cover


Round of drinks if score hole-in-one during tournament

Loss, theft or damage to clubs

Hiring clubs if lost or delayed in transit

Unused green fees or club hire as a result of injury, illness or adverse weather

FULL DETAILS

Policies Purchased AFTER 1st March 2017

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POLICY SUMMARY

After 01/03/2017

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(File size 165Kb PDF)

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POLICY WORDING

After 01/03/2017

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(File size 610Kb PDF)

Policies Purchased BEFORE 1st March 2017

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POLICY SUMMARY

01/03/2016 - 28/02/2017

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(File size 165Kb PDF)

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POLICY WORDING

01/03/2016 - 28/02/2017

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(File size 603Kb PDF)

FREQUENTLY ASKED QUESTIONS

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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.

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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.

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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!
EMERALD SUPPORTS
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Stonewall
Human Dignity Trust
Diversity Role Models
The Albert Kennedy Trust