FREQUENTLY ASKED QUESTIONS
We’ve put together some commonly asked questions to give you more information about
Adventures Insurance and the cover we offer. If you have a question that is not answered below please use the contact us page.
General
Adventures Travel Insurance covers a very wide range of activities from Abseiling to Zorbing. Click here for activities we are able to cover. Should your activity not appear on the list please call us on 02392 419 093.
The policy is available to people aged 75 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).
Cover is available to people aged 75 years or under. If you are aged over 75 please call us on 02392 419 093.
Endurance Worldwide Insurance Limited, a wholly owned subsidiary of Sompo International Holdings Ltd.
Endurance Worldwide Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority under registration number 219654.
This can be checked on the Financial Services Register by visiting the Financial Conduct Authority (FCA) website.
We can cover groups of any number, with discounts of up to 20% available depending on size.
If you are arranging a trip for a group of up to 10, you can get a quote online. For groups of 11 or more, please call us on 02392 419 093 .
Adventures Travel Insurance will cover all countries and areas except those which the Travel Advice Unit of the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organization (WHO) or similar body has advised against all or all but essential travel.
Click here to see tables of everything covered under parts A, B & C. For more detail, please read the Insurance Policy for details of the cover.
European Health Insurance Card (EHIC)/Global Health Insurance Card (GHIC). The EHIC allows you to access state provided healthcare in all European Economic Area (EEA) countries and Switzerland. Your EHIC will be accepted for the remainder of its validity. If you do not have a valid EHIC you will need to apply for a GHIC.
For more information or to apply for your GHIC: online visit the GHIC website or telephone 0300 330 1350. Presenting Your EHIC/GHIC at a public medical facility will allow you to obtain treatment at a reduced cost and in many cases free of charge, provided you are a United Kingdom resident (please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC/GHIC).
You must carry it with you when travelling abroad. Remember to check your EHIC/GHIC is still valid before you travel. If you are travelling outside the EEA then there are some countries that have reciprocal agreements with the United Kingdom and these can be found on the NHS England website.
If we agree to pay for a medical expense which has been reduced because you have used either an EHIC, GHIC or private health insurance, we will not apply the deduction of the Excess under Section 1 - Medical & Emergency Expenses.
Adventures Travel Insurance contains exclusions relating to your health and to that of other insured persons on the policy. You must refer to the ‘Important Conditions Relating to Health’ of your Insurance Policy. If you are travelling outside the UK and you answer YES to any of the Medical Screening Questions you must contact the Medical Screening Line on 02392 419 068.
Note: In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).
Your medical information and the medical questions we ask you can change, so we aren’t able to transfer your medical information to a new policy. We will need to ask you for some information again to make sure your policy is correct and valid in case you need to make a claim.
Single Trip
The maximum duration of any individual trip is 6 months continuous cover (although for persons aged 65-69 years the maximum trip duration is 3 months or 31 days for ages 70-75 years).
If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.
If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip, (limited to 31 days for ages 70-75 years).
Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
Annual Multi-trip
The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip, (limited to 31 days for ages 70-75 years).
Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
Trips in the UK, Channel Islands and the Isle of Man are covered.
A trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.
No, we are unable to extend cover beyond the maximum duration limit.
A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy.
Note: Adults may travel independently but children must travel with an insured adult.
Policy Options
Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.
If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top up cover for cancellation for your travel or accommodation, please call us on 02392 419 093.
Medical Assistance
Adventures Travel Insurance has a 24 hour medical emergency and repatriation service. Call: +44 (0) 208 608 4254
Further details of this service are shown in your Insurance Policy. Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.
If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.
If you are admitted as an inpatient then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.
Making A Claim
Click here for details.
Full details of what you need to do to make a claim are also shown in your Insurance Policy.
We aim to provide a first class claims service and respond within 10 working days of receipt of correspondence.
Buying Online
You can pay by debit or credit card. We accept Mastercard and Visa.
Once you have purchased your policy, you will receive an email with instructions on how to access your policy documents.
Please note – if you have not received your email after a few hours, please check your spam email.
Yes you should print a copy of your Schedule and Policy Documents and carry them with you.
The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.
If you are not completely satisfied with the cover provided, you may return your policy to us within 14 days of the date of issue or receiving the policy documents, whichever is later. Provided that you have not commenced your trip, no claim is intended or has been made, your premium will be refunded in full.