Other Cover Questions

Most of the policies offered by our insurance providers include cancellation and baggage cover as standard and it isn't possible to remove these from the policy. 

Check the Summary Of Cover on the Quote Result page to see what is and what is not included within your policy. 

Legal cover is included in most travel insurance policies. However, the cover limit and what is included within the legal cover will vary between the providers. Make sure to check your policy wording to verify.

Activities covered vary by insurance provider and policy, they are normally listed in the policy wording.

A policy exclusion is a term within an insurance contract, which highlights specific scenarios or circumstances that would not be insured by your policy. For travel insurance, this can be travelling to certain destinations against Foreign Commonwealth & Development Office (FCDO) advice, hazardous activities or terrorism.

Make sure you read the policy wording carfeully to ensure you understand the terms of your cover.

Most insurance policies will include an excess. This is the amount you have to pay if you decide to claim on your policy.

The excess can vary by cover section (e.g. medical expenses, baggage, cancellation) and by insurance provider.

You will be able to review any applicable excesses on the quote results page or by checking the policy wording.

If you have selected a Zero Excess, your insurance provider may add an excess waiver charge to your policy - but don't worry, this will be reflected in your Total Policy price.

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

Yes. Standard travel insurance won't cover cruise-specific risks like missed embarkation, cabin confinement, or itinerary changes. You need specialist fly cruise insurance.

With missed embarkation cover, your insurer will pay for flights, accommodation, and transport to get you to the next port so you can rejoin your cruise.

Yes. If your holiday includes hotels before or after your cruise, fly-cruise insurance covers the entire trip—including flights, hotels, and the cruise itself.

Yes. Even if your cruise stays within UK waters, onboard medical care is private and not covered by the NHS. Many British Isles cruises also call at Irish or Channel Island ports, taking you outside UK jurisdiction.

Possibly, but it's unlikely to include adequate cruise-specific cover. Check your bank or credit card insurance carefully, paying particular attention to exclusions and limits for cruise-related benefits. In most cases, specialist cruise insurance provides more comprehensive protection.

Purchase your cruise insurance as soon as you book your cruise. This ensures you're covered for cancellation from the point of booking, protecting your deposit and any payments made. Many policies also include cover for cruise line insolvency if purchased shortly after booking.

Many cruise lines now require passengers to provide proof of travel insurance before boarding. Check your cruise line's requirements and ensure your policy meets their minimum standards.