Travel insurance information

What is travel insurance

Insurance is a means of protection from financial loss should the unfortunate 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.

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Single trip travel insurance

Single trip travel insurance is specific for each trip you take and is aimed at those travelling once, twice a year. Most of the benefits are the same as in the annual multi-trip insurance apart from the cancellation cover, with a single trip policy as soon as you have purchased you are covered should you need to claim for cancellation.

Covering a single trip is easy, you simply complete all the required quote details which will include the locations your travelling to and the start and end date of your trip.

single trip


Annual multi-trip insurance

Annual multi-trip travel insurance is better value for those travelling several times a year, by grouping all your trips into the one policy you pay the one premium and can travel as many times as you like / need from one year of the start date you chose. Cancellation cover starts on the same date so should you start your policy on the 2nd June and try to claim for cancellation on the 1st June you wouldn’t be covered.

This insurance is often included in bank account membership schemes where they take a monthly payment for several additional benefits.

annual


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 of the conditions you enter are covered.

  • All medical conditions considered.

Gone are the days of having to call in and explain what you have to be told no, at Fit2Travel you simply complete the questions asked relating to your questions and we give you an instant yes or no straight away.



Winter sports

The chance of injury increases massively when taking part in any winter sports activities, the risk of falling over, twisting an ankle or breaking a bone. We offer a winter sports “upgrade” which includes cover for various icy activities, not just skiing and snowboarding and also the equipment needed to do them (check the policy wordings for full details).


Sports and activities

activities

We cover a number of "standard" Sports & Activities as listed under pack 1, full details can be found in the policy wording.

For all other activities please call our friendly customer services team on 0330 880 1791 and they will be able to add on any of the other packs from the wording although these will incur additional charges.



Cancelling your policy

Cancelling your policy with Fit2Travel is easy, contact us via either phone or email and our UK based customer services agents will talk you through the process and arrange.

You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements and provided you have not travelled or claimed on the policy, you can advise Fit2Travel within 14 days of purchase for a full refund to be considered.

Should you wish to cancel your policy outside of the 14-day cooling off period and can confirm that there have been no claims on the policy and that you have not travelled, in addition to a £15 administration charge; the following cancellation terms will be applied dependant on what type of policy you have purchased.

  • Single Trip policies - In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and any additional premium applied to your existing medical conditions will apply. If you have travelled or are intending to claim or have made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

  • Annual Multi Trip policies - Provided you have not made a claim (irrespective of whether your claim was successful or not) on the policy and you confirm in writing that there is no claim pending, should you choose to cancel and understand that all benefits of the policy will be cancelled, we will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

We reserve the right to give 7 days’ notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, abusive behaviour to any of our staff or agents.



Getting a quote

get quote

There are several ways to get a quote, firstly online using our quick and easy to navigate quote engine or by calling our friendly UK based call centre which features staff who know the policy benefits and limits.



Medical cover

medical cover

One of the most important aspects of most travel insurance policies is the medical cover, it’s the “bread and butter” and its why our policies include £10,000,000 medical cover limit on all levels of cover. This basically covers you for any hospital or medical costs that are incurred whilst on holiday.

Its worth noting that for all the medical conditions declared on your policy, cover is still included if you fall ill because of one of them.



Emergency assistance

We have a 24-hour emergency assistance line available on +44 (0) 203 829 6745.

Your policy covers treatment at a public/state facility only, unless approved by Emergency Assistance Facilities. Call an ambulance using the local equivalent of a 999 number, or alternatively by dialling 112 within the EU, and then contact Emergency Assistance Facilities for advice. We strongly suggest you put their telephone number, +44 (0) 203 829 6745, into your mobile phone before you travel so that it is to hand if you need it. Get details of the hospital you are being taken to so that our Emergency Assistance Facilities doctor will be able to obtain a medical report at the earliest possible opportunity. You may need to pay the policy excess locally and ask the hospital to send the rest of their bills to Travel Claims Facilities at: 1 Tower View, Kings Hill, West Malling, Kent, England, ME19 4UY. Our appointed assistance service, Emergency Assistance Facilities, will explain this to them and provide them with a faxed/email confirmation if necessary.


Holiday cancellation

One of the major cover levels on a travel insurance policy is the holiday cancellation, this protects against your trip being cancelled or cut short by reimbursing you as set out in the policy wording. Unforeseen Reasons for cancellation can vary but these are often based around travellers falling unwell and being unable to travel or the trips themselves being cancelled by suppliers.

Cancellation cover starts differently based on the policy type you have chosen with annual policies starting on the date listed on your policy certificate.

mountain holiday


Personal liability

Particularly useful to skiers and snowboarders, should you cause accidental damage or injury to someone or their property, personal liability cover helps cover the costs during your travels.


Family travel insurance

plane

Travelling as a family brings its own additional problems, the kids are running around like uncaged animals overdosed on excitement and the last thing you want as a parent is to have to deal with an issue spoiling both their fun but also causing you unneeded stress. Fit2Travel emergency assistance is available 24 hours a day to help with any medical emergencies taking just a bit of the work away.

We have special rates for families create a kid travel free style price and cover their medical conditions in the same way we would an adult traveller.



Lost documents / passport

Losing your documents or passport at any time regardless of during planning, before or during your trip can be hassle. There’s having to arrange replacements, any costs associated with doing so and applying, potential travel delay. Well that is all potentially covered by a travel insurance policy, see the policy wording for full details.



Travel insurance in the UK

Many travellers dismiss travel insurance for the UK and whilst we do benefit from the National Health service taking care of medical costs, there is more to a travel insurance policy such as cancellation, lost baggage cover etc.



EHIC

The EHIC card (European Health Insurance Card) gives a card holder the right to use state provided healthcare services when in a European Economic Area country or Switzerland. For more details see: about the ehic.



Travelling today, can I get cover?

You can get cover from today, as soon as your policy reference is provided your policy comes into force however you won’t be covered for anything which could become a claim you were aware of before taking out your policy.



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 members of both BIBA (British Insurance Brokers Association) and ATII (Association of Travel Insurance Intermediaries).



How will I get my documents?

documents

You will receive your documents online at the end of the buying process and also via email shortly after completion. These can be requested at any time but should you require a resend please contact our call centre via email or phone who will be happy to assist.

We do offer postal confirmation but a small charge is involved in this.



Policy wordings

We offer three levels of cover and the relevant policy wordings can be found below.



Claims

In the unlikely event that you may need to claim you will need to notify Travel Claims Facilities as soon as you return to the UK (unless in the event of a medical emergency). To make a claim, please go to travel-claims.co.uk where full details on how to submit a claim can be found.

Alternatively, please advise the section of the insurance on which you want to claim and Master Policy number and policy reference in writing to:

Travel Claims Facilities
1 Tower View
Kings Hill
West Malling
Kent
ME19 4UY
Telephone 0203 829 6761

Opening hours: Monday to Friday 9am – 5pm

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 queries other than claims and overseas medical assistance please contact us:

Phone: 0330 8801791

Opening Hours: Mon-Fri 8:30am - 6pm, Sat 8:30am - 5pm, Sun 10am - 3pm
(Calls may be monitored or recorded)

Email: enquiries@fit2travel.co.uk
We endeavour to respond to all email queries within 24 hours.

Or write to us at:
Fit2Travel Customer Services Department
Brokersure Ltd
Digital House
Threshelfords Business Park
Inworth Road
Feering
Colchester
Essex CO5 9SE
We endeavour to respond to all written queries within two working days.

Claims and Overseas Medical Assistance enquiries should be addressed to the parties shown within your insurance policy documents.