Get travel insurance before you fly
When it comes to planning a holiday, there is usually a lot to think about, from planning where to go, booking your hotel and flights, and getting the right clothes for the trip.
You can be so busy planning your journey that you could forget something as important as travel insurance. We want to keep you safe during your trip, and travel cover is important if you want your holiday to be protected. You might sometimes face the unexpected while abroad, and insurance can help ensure that you are not alone if something does happen.
Even if you leave it late to get cover, we make the process of getting travel insurance quick and simple. You can also include add-ons for business travel or winter sports so that it’s tailored to match your trip. We can also let you know if your pre-existing medical conditions can be added onto your policy with our online medical screening process. If you’re looking to get your travel insurance at the last minute before you fly, then here is everything that you need to know.
Last minute travel cover can include:
- Up to £15 million for medical expenses, including emergency medical treatment and repatriation.
- 150 sports and activities included free of charge.
- Baggage insured for up to £2,500 if it is delayed, lost, stolen or damaged during your trip.
- Optional additional protection for winter sports and business trips.
- You can be eligible for single trip insurance up to maximum age of 85, subject to a medical screening.
How late can I book my travel insurance?
You can buy travel insurance at any time before you leave the UK. This means that you will be able to buy a policy the day before your holiday or even at the airport.
The downside to this is that you would be missing out on cancellation cover for your holiday, as well as travel delay and missed departure.
When should I book my travel cover?
If you get single trip travel insurance as soon as you have booked your trip, then you would immediately have cancellation cover, as this begins on the date that you are issued your policy documentation. This can include needing to cancel your trip because of death, injury or illness to you, an immediate relative or a travelling companion, as well as if you or a travelling companion discover they’re pregnant. You are also protected for cancellation because of jury service, redundancy, or if your passport has been stolen prior to your trip.
For annual multi-trip insurance, your cancellation cover is valid from the date that the policy starts, which you can select when applying for your policy. This means that you should start the policy as soon as you’ve paid for the trip, so that you are protected if something were to happen.
If you are aware of a possible reason to cancel your holiday before you buy your policy, then it is unlikely that we would be able to consider that claim.
Booking earlier also gives you more time to find insurance that suits your needs, particularly if you have pre-existing medical conditions. The sooner you book your travel insurance, the sooner you can relax with the knowledge that you are protected if you face anything unexpected.
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What travel insurance can I get?
If you only plan to make one trip over the next year, then it is likely to be cheaper for you to buy single trip insurance. This provides you with protection from the time that you book it, until you return to the UK or you reach the completion date of your policy.
Alternatively, you can get an annual multi-trip policy, which gives you protection for multiple trips over a one-year period, as long as it is within your chosen trip limit of 31, 45 or 60 days.
These policies can be for either Europe or Worldwide travel cover, depending on where you intend to visit during the time period that you are covered for.
150 sports and activities are also included for free with all policies, including kayaking, bungee jumping and scuba diving up to 30 metres. You can also add additional protection to your policy depending on the plans for your trip. This includes winter sports which gives protection for both skiing and snowboarding, as well as lift pass cover and protection for your equipment if it’s damaged, lost or stolen.
Do I need to declare pre-existing medical conditions?
You should declare any pre-existing medical conditions when getting a travel insurance policy, otherwise you risk your claims becoming invalid.
If anything arises from a medical condition that you didn’t tell us about, then you may not be able to make a claim. You can inform us of conditions when applying online through our simple medical screening process. After answering a few questions, we will be able to tell you whether we can cover your condition and if you need to pay any additional premiums.
Once we confirm that you are eligible to receive travel insurance from us, you will have access to the benefits that are included with our standard policies.
What other types of cover are available?
If you are looking to travel somewhere for less than 60 days, then you might want to consider getting single trip travel cover. It has the same benefits as globetrotter cover but just protects you for shorter periods of travel.
If you plan to go on several trips over the next year, then the best option might be annual multi-trip insurance, as this ensures that you are covered for as many trips you want, providing that each individual trip is no longer than your policy’s maximum trip length.
If you are planning to go skiing or snowboarding during your trip, we also offer winter sports cover that you can add to your policy. This gives you protection in case something happens while you are out in the snow, including medical assistance and helicopter rescue. Your equipment is also covered if it gets lost, damaged or stolen, while you are protected for piste closures and avalanche delays.
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Why Columbus Direct?
- FREE airport lounge access if your flight is delayed for more than 1 hour
- Over 150 sports and activities covered free
- Award-winning products and services
- Over 15 million customers since 1988