Travel Insurance

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***

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TRAVEL INSURANCE THAT HELPS YOU TAKE OFF

  • Plaster icon

    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

    MEDICAL SCREENING FOR 1000s OF CONDITIONS

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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 

UNIQUE INSURANCE
TAILORED FOR YOU 

THE EMERALD DIFFERENCE


  • 1,000s of medical conditions covered, many at no extra premium
  • No need to declare HIV status in the majority of cases
  • 24-hour helpline if you're detained, arrested or assaulted for any reason while travelling - a UK first
  • Optional sports, winter sports, cruise and gadget cover
  • Extra kenneling costs if your return delayed

PROTECT YOURSELF


  • Single trip or annual cover
  • Up to £5,000 cancellation cover
  • Up to £2,000 cover for baggage and personal effects per trip

 

  • 24/7/365 emergency medical assistance worldwide
  • Cover for individuals, couples, families, single parent families and groups

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 £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

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

Automatic cover for personal effects and baggage up to £1,500

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

Automatic cover for personal effects and baggage up to £2,000

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 Cruise Cover


Repatriation and medical cover

Missed port departure

Cabin confinement

Itinerary change or unused excursions

FULL DETAILS

Policies Purchased AFTER 1st June 2018

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POLICY WORDING

From 01/06/18

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(File size 1.7Mb PDF)

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POLICY SUMMARY

From 01/06/18

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(File size 179Kb PDF)

Policies Purchased BEFORE 1st June 2018

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POLICY WORDING

Before 01/06/18

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(File size 615Kb PDF)

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POLICY SUMMARY

Before 01/06/18

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(File size 139Kb 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.

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.

+- What if I am living with HIV?

If you are HIV+ and:

  • On antiviral treatment for more than three months and no new antiviral drug is planned, and
  • Your CD4 count exceeds 350 or you have been advised by a doctor that CD4 monitoring is not necessary, and
  • Your latest viral load is less than 50mls or undetectable,

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.

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Are any other medications or circumstances excluded?

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.

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How do I answer that question about 'pre-existing medical conditions' 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 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.

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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 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!
EMERALD SUPPORTS
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