Travel Insurance Frequently Asked Questions


Buying your policy

  • Where can I view my Policy Wording online?

  • What’s the maximum age you can insure?

  • Should I buy a couple policy, or insure both of us as individuals?

  • My children are over 18 – can I still buy a Family policy?

  • What is an excess?

  • When should I start my annual multi-trip policy?

  • Can my family travel separately on an annual multi-trip policy?

  • Are the policy benefits per person or per claim?

  • Can I buy insurance for my child to travel on their own?

  • Can I be covered if I no longer live in the UK?

  • Will I be covered for working abroad?

  • I’m over 65, can Columbus insure me?

  • I’ve got an EHIC (European Health Insurance Card) – doesn’t that cover me?

  • I’m going travelling – do you cover backpackers?

  • Am I covered for business trips?

Emergency and Claims

  • How do I make a claim?

  • What do I need to do if a medical emergency happens abroad?

  • What do I do if my property / passport / tickets is lost or stolen abroad?

  • Will I be covered for helicopter rescue / search and rescue?

Your Policy Benefits

  • Can I remove baggage cover?

  • If I had to cancel my trip, what would be covered?

  • Can I add cover for my mobile phone and gadgets?

  • Can I increase my cover levels for cash and valuable items?

  • Are Avios points covered?

Policy admin, lost docs, changes

  • What documents do I need to take on holiday with me?

  • Will I get my policy documents before I travel?

  • I’ve lost my documents – how can I get replacements?

  • Can I add sports and activities to my policy after purchase?

  • Can I declare a medical condition after purchase?

  • How do I cancel my policy?

  • What happens when my Annual policy is due for renewal?

  • I’ve got European cover, can I upgrade to Worldwide?

  • Why has my premium gone up this year?

Medical Health

  • How do I add cover for a pre-existing medical condition online?

  • What if cover for my pre-existing medical condition is declined?

  • I’m pregnant – what’s covered?

  • Is dental cover provided?

  • What is considered a pre-existing medical condition?

  • Am I covered for pre-existing medical conditions?

  • Can I be covered for my medical condition?

  • Why won’t Columbus Direct cover my medical condition when other companies do?

  • If I need to cancel a trip because a friend or family member is ill or has died, am I covered?

  • Why won’t Columbus Direct cover my medical condition when you have previously?

Winter sports cover, general sport and activities

  • How do I buy Winter Sports Cover?

  • Can I ski or snowboard off-piste?

  • What is ‘walking at high altitude’ and do I need to add it to my policy?

  • Is my sports gear (e.g. golf clubs, scuba equipment) covered?

  • Which sports are automatically covered by my policy?

  • How can I add cover for more sports and activities?

  • What’s covered on a Winter Sports policy?

  • Will I be covered to play in a tournament?


  • Do Egypt / Israel / Morocco / Russia fall under Europe?

  • Am I still covered if I’m travelling to more than one country?

  • Am I covered to go on a cruise?

  • Which countries are not covered?

  • Can I buy cover for a trip in the UK?

In the news

  • Am I covered in the event of strikes or industrial action?

  • Am I covered if my airline goes bust?

  • Am I covered if my tour operator goes bust?

  • I’m travelling to Cuba, what travel insurance cover do I need?

  • What’s covered if there’s a terrorist attack?

  • Can I obtain cover for volcanic ash cloud disruptions?

  • Where can I find information about how you use my personal data, under GDPR?

Terms and Conditions:

(1) Discounts do not apply to any additional medical conditions or policy options requiring an additional premium payment. Offer available from the 19th November 2018 to 26th November 2018