Travel Insurance Information

What is travel insurance?

Insurance is a means of protection from a financial loss you might suffer if something unfortunate should happen. In travel insurance this loss could be as a result of a holiday cancellation, one of your party needing medical treatment whilst abroad, lost baggage or much, much more. Check the Fit2Travel Policy Wordings for a full list of what is covered.


Single Trip Travel Insurance

single trip

Single Trip travel insurance is specific to just one holiday, and is aimed at those who travel once or twice a year.

The benefits for a Single Trip are mostly the same as an Annual Multi-Trip travel insurance policy, except with a Single Trip you're covered for cancellation as soon as the policy is purchased. The dates on the policy are then indicative of when you'll be on holiday.

Annual Multi-Trip Insurance


An Annual Multi-Trip travel insurance policy is suited for those who tend to travel a lot throughout the course of a year. Cover for all of your potential holidays are grouped under one policy, and you can travel as many times as you like in the 12-month period on your Policy Certificate.

Unlike a Single Trip policy, you do not input the dates you'll be travelling - instead, you select the date you'd like your policy to begin, and you're covered from that date.

Pre-Existing Medical Conditions

Our policies are aimed at travellers with pre-existing medical conditions:

  • Easy-to-use online screening so you get the quotes that you need straight away
  • Instant confirmation that the conditions you declare are covered
  • All medical conditions are considered

Gone are the days of having to call in and explain your medical conditions, only to be told "no". At Fit2Travel you simply complete the questions asked relating to your questions and you'll know immediately whether we can cover you.

Winter Sports

The chances of getting an injury increase massively when you take part in a winter sports activity, which is why we offer a Winter Sports extension. Cover for the following activities (and more!) are covered:

  • Skiing (on- or off-piste)
  • Snowboarding (on- or off-piste)
  • Snowshoe walking
  • Sledging
  • Snowmobiling
  • Dog sledging
  • Ice skating
  • Ice hockey

This covers the additional risks of taking part in the activity, as well as your ski equipment (owned or hired), ski pack, piste closure, and avalanche closure. Check our Policy Wording to see the full terms and conditions of what's covered.

Sports and Activities


We cover a number of sports and activities as standard, full details of which can be found in your Policy Wording.

For all other activities, please call our friendly customer services team on 0330 880 1791 and they’ll be able to help you work out which activities can be included.

Please be aware that sports and activities which are not covered as standard are likely to incur additional charges. 

Cancelling Your Policy

Cancelling your policy with Fit2Travel is easy. Contact us by phone or email, and our UK-based customer contact centre can arrange this for you.

You have a 14-day cooling off period, starting on the day you purchase your travel insurance. Should you find that the terms and conditions of the policy do not meet your requirements, you can contact Fit2Travel within those 14 days for a full refund to be considered.

If you cancel within the 14-day cooling off period:
Provided you have not travelled, claimed, or intend to claim on your policy, you are eligible for a full refund of your policy premium.

If you cancel outside of the 14-day cooling off period:
You would not receive a refund if you cancel your policy outside of the 14-day cooling off period, whether or not you have travelled or claimed.

Cancellation by Us
We may, at any time, cancel any insurance policy by giving 14 days’ notice in writing where there is a valid reason for doing so. A cancellation notice will be sent to you by email and also by post to your last known address. Valid reasons may include but are not limited to:

  • Where we reasonably suspect fraud
  • Threatening and abusive behaviour
  • Non-compliance with policy terms and conditions
  • You have not provided complete and accurate answers

Getting a Quote

get quote

There are two ways to get a quote:

Use our quick and easy-to-use quote engine

Ring 0330 880 1791 to call our UK-based call centre, where friendly agents are waiting to help

Medical Cover

medical cover

One of the most important aspects of a travel insurance policy is the emergency medical cover. Our policies are designed to cover you for up to £10,000,000 when it comes to needing medical assistance while abroad.

It's crucial to declare all your pre-existing medical conditions in order for your travel insurance to be valid. Make sure you are honest and thorough when completing the medical declaration, so that you can get the help you need while on holiday. By declaring your pre-existing medical condition, you're covered for an unexpected medical emergency in relation to it.

Emergency Medical Assistance: +44 (0) 1733 224 357

You can contact the Emergency Medical Service 24/7, on +44 (0) 1733 224 357. We would suggest adding this number to your phone before you travel, so that you have easy access in the event of a medical emergency.

The Emergency Assistance Service has the medical expertise, contacts and facilities to help you if you are injured in an accident or become ill. They will also arrange to transport you home if this is considered to be medically necessary.

If you are admitted to a hospital or clinic while abroad, our Emergency Assistance Service will arrange for medical expenses to be paid directly to the hospital or clinic. You (or someone on your behalf) must contact them as soon as possible.

  • Unless approved by the Emergency Assistance Service, cover is only for treatment at a public/state facility
  • Call an ambulance using the local equivalent of '999', then contact the Emergency Assistance Service
  • Get details of the hospital you are taken to, so that the Emergency Assistance Service can obtain a medical report
  • You might need to pay your excess locally, and discuss further bills with the Emergency Assistance Service

If you cannot contact the Emergency Assistance Service at the time we specify (because you need immediate emergency treatment), you must contact them as soon as you can.

Holiday Cancellation

mountain holiday

One of the major aspects of travel insurance is the cover for holiday cancellation. This protects you against your trip being cancelled or cut short, and reimburses you for funds you have paid (or agreed to pay) due to unexpected cancellation. Our policies cover you for up to £3,000, which is applicable per person named as a traveller on your Policy Certificate.

For more information, and to see the coverable events, please check the Policy Wording.

Personal Liability

Personal liability is cover for financial losses you experience if you cause damage or injury to another person or their property. This is particularly useful to skiers or snowboarders, due to the likelihood of colliding with someone on the slopes.

Family Travel Insurance


Travelling with your family brings its own additional problems, especially when the kids are excited and running around like uncaged animals, overdosed on sugar and sunshine. As a parent, the last thing you want is to be landed with a medical issue which not only spoils their fun, but causes you a lot of stress.

Fit2Travel have an Emergency Assistance Service, which is available 24 hours a day, 7 days a week, to assist with medical emergencies and financial help.

Lost Passport / Travel Documents

Losing your passport or travel documents while you're on holiday is an extremely stressful experience. And then there's the hassle of arranging replacements, potential travel delay, and the additional costs associated with those things.

The expense of temporary documents and additional accommodation or travel arrangements can be covered under your Fit2Travel policy - check the Policy Wording for details.

Travel Insurance for the UK

If you're travelling within the UK, it's unlikely that you've considered purchasing travel insurance. Although you don't need cover for emergency medical expenses (thank you NHS!), you can still find yourself at risk of a financial loss.

Consider cancellation, lost baggage, curtailment, and personal liability cover when it comes to a trip in your home country.


The EHIC (European Health Insurance Card) has been replaced by the GHIC (Global Health Insurance Card), since the UK left the EU. It lets you get necessary state healthcare in EU countries, and some other countries, on the same basis as a resident of that country. This means the cost of treatment is equivalent to that which a local resident would pay, or in some cases it could be free.

You should read about the GHIC on the NHS website before travelling. Click here for more information: Healthcare Cover Abroad | NHS

I'm travelling today, can I get cover?

Of course you can! Provided you've not left the United Kingdom, you can purchase a policy at any point before you leave.

As soon as your Policy Reference number is issued, your policy covers you. Be aware that any potential claims you were aware of before purchase would not be covered.

Is our website secure?

The Fit2Travel website is 100% secure. We use PayPal to assist with taking payment and host our site across SSL at all times using the latest SSL and TLS settings to keep us compliant with PCI testing.

BrokerSure Ltd. as a whole is GDPR compliant, and a member of both BIBA (British Insurance Brokers Association) and ATII (Association of Travel Insurance Intermediaries).

How will I get my documents?


You will receive your documents online at the end of the buying process and also via email shortly after completion.

You'll receive your policy documents by email once you have completed the buying process. They can also be accessed online via your Travel Insurance Portal. Click 'Reset Your Password' to create your account.

If you would like a copy posted to you, do not receive an email, or have difficulty logging in, please call or email us so that we can assist you.

Policy Wordings

We offer three levels of cover and the relevant Policy Wordings can be found below.

Purchased from 8th May 2024 onwards:

Fit2Travel Secure / Protect / Ultimate Policy Wording

Purchased from 1st April 2024 to 17th April 2024:

Purchased between 1st January 2024 and 31st March 2024:

Purchased between 1st October 2023 and 31st December 2023:

Purchased between 13th October 2022 and 30th September 2023:

Purchased between 31st January 2021 and 12th October 2022:


In the event of a claim, you should notify your Claims team as soon as possible upon return to the UK. If it is a medical emergency claim, the Medical Assistance Service should be contacted immediately.

Telephone: 01733 224 823
Write to: White Horse Insurance Ireland dac
Rineanna House
Shannon Free Zone
County Clare
V14 CA36
Republic of Ireland

You will be asked to provide documents to support your claim which may include:

  • Policy documentation
  • Completed Claims form
  • Receipts (where appropriate)
  • Proof of purchase (where appropriate)
  • Covering letter
  • Any other supporting evidence

Contact Us

For all other sales or policy queries, please contact:

Telephone: 0330 880 1791
We endeavour to respond to all email queries within 24 hours.

Write to: Fit2Travel
Brokersure Ltd.
Digital House
Threshelfords Business Park
Inworth Road
We endeavour to respond to all written queries within two working days.

Opening Hours: Open Monday to Friday 8:30am to 6pm, Saturday 8:30am to 4pm and closed Sundays
(Calls may be monitored or recorded)

Making a Complaint

We intend to give you the best possible service, but if you have any questions or concerns about this insurance or how your claim has been handled, please follow the relevant complaints procedure below:

Sales Complaints
If you have a complaint regarding the sale of this insurance, customer service, the medical screening service, or policy information, please contact BrokerSure:

Call: 0330 880 3605

Write to: BrokerSure Ltd.
Digital House
Threshelfords Business Park
Inworth Road
We endeavour to respond to all written queries within two working days.

Claims Complaints
If you have a complaint regarding a claim you have made, contact White Horse Insurance UK Limited:

Write to: The Customer Experience Manager
White Horse Insurance UK Limited
c/o White Horse Insurance Ireland dac
Rineanna House
Shannon Free Zone
County Clare
V14 CA36
Republic of Ireland
We will endeavour to deal with any complaint as quickly as possible. If we cannot agree on a solution, or if after 8 weeks, we have not answered your complaint, you may contact the Financial Ombudsman Service (FOS).

Please note that if you wish to refer a complaint to the Financial Ombudsman Service, you must have completed the above procedure before the Financial Ombudsman Service will consider your complaint.

Call: 0800 023 4567 or 0300 123 9123

Write to: The Financial Ombudsman
Exchange Tower
Harbour Exchange Square
E14 9SR
Your legal rights are not affected, and the above complaints procedure is in addition to your statutory rights.