Travel with confidence, knowing you have the right cover
Planning a Travel Holiday Flight Insurance trip should be exciting, not something you spend time worrying about.
Travel insurance can protect you financially if something unexpected happens before or during your trip — from needing emergency medical treatment abroad to cancelling your holiday, losing your baggage or having to return home unexpectedly.
At Top Insurance Services, we help customers arrange travel insurance for single trips, annual travel, couples and families.
The right Travel Holiday Flight Insurance policy will depend on where you’re travelling and what you’re planning to do.
What can travel insurance cover?
Depending on the policy and level of cover selected, travel insurance can include protection for:
- Emergency medical expenses
- Repatriation and returning you to the UK
- Cancellation or cutting your trip short
- Personal accident
- Baggage and personal belongings
- Personal money
- Lost passport expenses
- Personal liability
- Travel delay
- Delayed baggage
- Missed departure
- Hospitalisation
- Catastrophe cover
- Legal expenses
- Financial failure
The cover, limits and exclusions vary between policies, so it’s important to read the policy wording and Key Facts before you travel.
Travel insurance for pre-existing medical conditions
If you have a pre-existing medical condition, you may still be able to obtain travel insurance, but you may need to complete a medical screening process.
It’s important to declare relevant medical conditions when arranging your cover. If you’re unsure whether something needs to be declared, ask before you travel.
For medical screening enquiries, the Medical Screening Department can be contacted on 01689 892 246.
Winter sports and skiing holidays
Heading to the mountains?
Winter sports cover can be added to suitable travel insurance policies, providing protection for activities such as skiing and snowboarding, subject to the policy terms and conditions.
Some activities have specific restrictions. If you’re planning activities such as off-piste skiing, scuba diving, mountain biking or sea kayaking, check that your policy provides the cover you need before you travel.
Where are you travelling?
It’s important to choose the correct geographical area when arranging your travel insurance.
In the UK
Cover for travel within England, Wales, Scotland, Northern Ireland, the Isle of Man and the Channel Islands, subject to the policy terms.
Travelling to Europe
The European area can include the UK and European Union countries together with certain other destinations.
The geographical definition can vary between insurers, so always check that your destination is included before buying your policy.
Worldwide excluding USA, Canada and the Caribbean
This option can provide cover for destinations outside Europe while excluding the USA, Canada and Caribbean countries.
Worldwide including USA, Canada and the Caribbean
When travelling to the USA, Canada or the Caribbean, you’ll need Travel Holiday Flight Insurance as your worldwide cover.
Always check the policy geographical definition before travelling, particularly if your journey involves more than one country.
Single-trip or annual travel insurance?
If you’re only planning one holiday, a single-trip policy may be suitable.
If you’re likely to travel several times during the year, an annual multi-trip policy could be more convenient.
The most suitable option depends on your travel plans, the length of your trips and the cover you require.
Looking for travel insurance in Birmingham?
Whether you’re planning a family holiday, travelling on your own, taking a winter sports trip or travelling several times during the year, we can help you explore your travel insurance options.
Top Insurance Services is an independent insurance broker based in Birmingham.
Rather than simply choosing the cheapest policy, we believe it’s important to consider what you’re actually going to need the insurance to cover.
Get a Travel Insurance Quote
Call us on 0121 628 9494
We’re happy to discuss your requirements and help you find suitable travel insurance for your trip.
Top Insurance Services
170 Highfield Road
Birmingham
B28 0HT
Monday to Friday: 9:00am – 5:00pm
Important information
The Medical Screening Department can be contacted on 01689 892 246