Travel Insurance

Insurance for when you travel abroad

  • Be insured against losses, accidents and expenses
  • Be covered and prepared for all travel eventualities
  • Give yourself the peace of mind on your trip

Call 0800 222 9186 today for a quote!

What is travel insurance?

Travel insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or within one’s own country.

Travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Some policies offer lower and higher medical-expense options; the higher ones are chiefly for countries that have extremely high medical costs, such as the USA.

What does travel insurance cover?

The most common risks that are covered by travel insurance plans are:

  • Medical emergency (accident or sickness)
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Visitor health insurance
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection was missed due to airline schedule
  • Travel delays due to weather
  • Hijacking
  • Medical expense coverage can be per-occurrence or maximum-limit.

Travel Insurance

How does it work?

Basically, using insurance begins as you encounter any problem after you’ve purchased coverage and before or during a trip. (This won’t include coverage for essential steps on your trip that you failed to arrange for yourself, e.g., lodging, meals, fully adequate connection times between flights.)

Once you know the details of the problem (and any cost), you promptly contact the claims people for the company that issued your policy. You explain the situation, and they instruct you on what to do for a covered problem.

  • For problems with modest costs that are covered, you’ll likely be told to pay the costs (preferably by credit card), keep all supporting bills/invoices/receipts, and to file a claim with the company after your trip is over.
  • For problems with great cost (e.g. overseas medical evacuation can cost a fortune), the insurer may do the same…though such costs can easily exceed the maximum “draw” allowed on your charge card. Better travel insurers also have “preferred providers” in numerous countries, one of which may be able to help you at lesser cost than others…or even provide the service you need and directly bill the insurer.
  • If you do not have the means to pay for what you need (and then wait for reimbursement), and no preferred provider can be used, some insurers will transfer funds to help. They do so only after being satisfied about costs encountered, and that they are sending the funds to and for someone who is covered.

To wisely purchase coverage, carefully read the policy before buying to assure it provides coverage you need.

To be able to use your policy and procedures effectively, print copies and take two or more in separate bags. In addition, take copies of the instructions on how to contact the insurer’s claims section…at least in two separate bags.

Please refer to your policy documents.

How can Lifepoint help?

Whilst we do not advise on individual travel insurance and the information you find regarding this product is only intended as a general guide, we do have a relationship with Avanti Travel, who provide excellent travel products. Please feel free to procure a quote through our site by clicking the link which will take you through to the Avanti travel cover quote system. You will also have the option of purchasing a product. Or call our travel partners Avanti on 0800 222 9186. One of the team will be happy to advise and guide you. They will also know that you are calling through from our site as this is our unique phone number. 

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Don't let medical issues stop you!

We consider all pre existing conditions

No upper age limit

Travel insurance for the young at heart
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