Cover My Travels

Its a well known fact that 75% of people who buy travel insurance cover don't read the terms and conditions - the one really important document that they should read, which contains all the policy details and the level of travel insurance cover.

Terms and conditions -

Most travellers believe that their travel insurance cover automatically protects them from all medical expenses, accidents, delays or lost baggage. Unfortunately, this is not always the case - Our advice is that travellers should read the terms and conditions of their travel insurance policy very carefully.

Pre-existing medical conditions -

Most travel insurance policies will not cover any pre-existing medical conditions a traveller might have, therefore it's important for them to purchase travel insurance which covers them for these conditions. Most pre-exisiting medical difficulties are usually covered by an additional premium. It might seem like unnecessary expense, but if the holiday-maker or travelling businessman needs to make a claim, the excess that to pay will be a small fraction of the actual cost if there was no pre-exisiting medical travel insurance cover in place. Furthermore, if a travel insurance policy has an excess waiver, the claimant will have nothing to pay!

Dangerous activities!

The more dangerous risks taken when travelling will lead to higher travel insurance premiums. Most standard travel insurance cover won't cover activities such as jet skiing, mountain-climbing or hunting. So, for those who enjoy the thrill of dangerous activities, they need to make sure that their travel insurance covers everything that they intend to participate in.

Have a look at the policy details supplied by Cover My Travels as standard for their travel insurance cover.

While exceptional customer care, and a fast, painless claims service should be standard for all travel insurance companies, Cover My Travels provides additional benefits to all its customers.

Specialising in travel insurance for those with pre-existing medical conditions, Cover My Travels is able to offer a fair medical assessment. While most travel insurance companies would offer a highly inflated premiem, or even complete refusal of cover for those with medical conditions, Cover My Travels is keen to offer cover at the minimal of cost to all its customers.

Furthermore, Cover My Travels includes several hazardous sports in its policies as standard:

• Archery


• Cycling


• Deep Sea Fishing


• Golf


• Hot Air Ballooning


• Motor Cycling


• Parascending over water


• Rambling/Trekking/Hiking


• Roller skating/Inline skating


• Sailing


• Scuba Diving


• Snorkeling


• Water skiing


• White Water Rafting


• Wind Surfing

In addition, for a small increase in the premium paid, Winter Sports Cover can be included in the policy, to cover activites such as skiing and snowboarding. For more information on this and other benefits of choosing Cover My Travels, go to the Why choose Cover My Travels page.

At Cover My Travels, we understand how frustrating it can be to have travel insurance refused because of a minor pre-existing medical condition. That's why we offer a policy where it is possible to cover many medical conditions without a hefty increase to your premium. Here are some examples:

• An annual policy for a couple both aged 65, 92 day trip limit, mild angina wanting a worldwide policy inc North America.
  Covered for £371.16



• One adult, age 35, high blood pressure, diabetes, cholesterol, requiring cover for 17 days in Europe.
  Covered for £19.85



• A couple needing 17 days in Europe, underwent a heart bypass operation in 2003, aged 75.
  Covered for £127.66



• One adult, heart valve replaced and diabetes, travelling for 17 days in the North of America, age 56.
  Covered for £76.61

You can find out more about testimonials from clients, and examples of the affordable premiums we offer, through the Cover My Travels Website

1) What kind of policies are available?

What kinds of policies are available?

* Single-Trip up to 154 days
* Annual Multi Trip up to 92 days
* Long Stay Trip between 6 & 12 months

2) Are there any age limits?

All Annual travel insurance policies have an upper age limit of 69 years old, while Single Trip insurance policies can be taken by those up to the age of 79.

The extended Long Stay travel insurance policies providing cover for up to 12 months have a maximum age limit of 65 years old.

3) What am I actually covered for?

Our policies cover you for medical expenses, loss of personal belongings, passports and cash, travel delays or missed departures, as well as personal liability and legal costs. A 24-hour emergancy medical service is also available. Click here to find full information on what we cover you for.

4) Are there any medical conditions you don't cover?

If we can't provide cover for a medical condition, it's usually because it hasn't been stable within the last year. However, if we are unable to cover a particular condition it doesn't mean we won't be able to provide any cover at all.

5) Will I need a medical certificate to apply for a policy?

We very rarely ask for one. We rely on you supplying us with accurate information and answering the medical questionnaire correctly. We do not cover claims for any existing medical conditions that were not declared and agreed by us when you applied.

6) When will I get my policy documents, and do I get a receipt?

We aim to process all policies the same day so you can expext to receive your policy documents through the post within five days of application, and your policy schedule represents a receipt of your premium.

"More than 5.5 million bags went missing among the 24 AEA members in 2006 -- an average of 15.9 per 1,000 passengers."

- Source: Reuters.com April 2007

What is Baggage PIN?
BaggagePIN is a unique web system that identifies the owner of lost baggage in a matter of seconds, enabling the speedy return of lost baggage to the traveller.

How does it work?
If baggage belonging to a member of the BaggagePIN scheme is mislaid or lost in transit, the baggage handling agent can enter the unique BaggagePIN code number into the web-portal and the system will instantly identify the legal owner of the lost baggage. The owner then will be contacted by (SMS), landline phone, e-mail or letter.

But, surely the Airline will assist me with this?
Sadly not, as baggage is only labelled with flight details, not to the individuals contact details it belongs to, thus millions of pieces of luggage go missing each year and never find their rightful owners.

Buy ANY travel insurance policy from Cover My Travels and get one year of BaggagePIN membership for just £9.00 (usual price £12.00)!

For more information, visit www.baggagepin.com.