What is travel insurance?
Travel insurance is there to help protect you while you’re away from home, and our Aviva Signature travel cover can help with all kinds of problems and unexpected events, from urgent medical assistance to coming home early.
Everyone travels differently - from where we go to how we get there. Some people plan precisely and some float free, some pack lightly, while others carry enough to furnish a small palace. There’s no right way and no wrong way – just your way. But, whichever way you travel, there’s always the risk of something unexpected trying to trip you up. When you’re covered, we can be there to help you back on your feet.
It’s important to remember that travel insurance doesn’t cover you for any event, incident, or circumstance that you knew about – or could reasonably be expected to have known about – when you bought your policy or booked your trip (whichever is later). It’s there to back you up when life throws something unexpected your way.
Get started by choosing from Aviva Signature Annual Multi-trip cover or Aviva Signature Single trip cover and add optional covers like winter sports and your belongings.
Benefits of travel insurance
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Health comes first
If you fall ill or are injured, we’re here to help with cover up to £10 million Footnote [2]
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View your policy on the move
Your policy is at your fingertips, access your plan or make a claim at anytime with our MyAviva app
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Keep everyone covered
Get protection for the whole gang by adding up to eight friends or family members to your policy
Please see What does our travel insurance cover? or policy document for further details on what is and isn’t covered.
Why should I choose travel insurance?
Travel insurance is there to help protect you if something unexpected or unforeseen happens.
Having an accident, losing your belongings or being delayed can be expensive and tricky to deal with if you’re abroad. You might need legal help too, such as if you’re injured during your trip and it wasn’t your fault. Even if you experience sudden dental issues while you're away, it's reassuring to know that emergency treatment for immediate pain relief is covered.
You might already have travel cover, for example, it’s included with some credit cards and current accounts. But before you travel, check exactly what’s covered. Does it cover the places you’re going and activities you’ll be doing?
Some cover is optional, like cover for your belongings or for winter sports, so make sure that you have the cover that you need when making travel plans.
Your cover options
Aviva Signature Annual Multi-trip travel insurance
Get cover for up to 31 days abroad per trip, including cruises as long as you've told us about them, for travellers aged up to 79. If you’re planning to be away longer, you can pay extra to extend your cover to 45, 60, or 90 days.
We also cover UK holidays if you are away from home for at least two nights in a row, and you have either, pre-booked holiday accommodation in a commercially run premises, or prepaid bookings on public transport including flights or ferries.
Aviva Signature Single trip travel insurance
Get cover for up to 120 days abroad, including cruises as long as you've told us about them, for travellers aged up to 79.
Trips in the UK are covered too - as long as you're away from home for at least 2 consecutive nights. You're trip must also have either pre-booked holiday accommodation in a commercially run premises, or prepaid bookings on public transport including flights or ferries.
What does our Aviva Signature travel insurance cover?
What’s covered
Both Aviva Signature Single trip and Aviva Signature Annual Multi-trip insurance offer standard cover. This is what you’re covered for, per person per trip, if you haven’t taken out any optional extras.
Up to £10 million for emergency medical expenses outside the UK:
If you have to cancel your trip or come home early, we’ll cover unrecoverable travel and accommodation costs up to £5,000 per person (Conditions apply) due to:
Cover for unexpected costs:
Take a look at the policy document for full details of what's covered.
What’s not covered
Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:
Take a look at our policy wording for full details of what's not covered.
Important documents
What we need to know about your health
We need to know if you, or anyone covered, has had any diagnosed illness, injury, or disease in the 12 months before buying or renewing your cover, where they've:
- been prescribed medicine, including newly prescribed or repeat medication
- received or are waiting for medical treatment, investigations or tests
- been referred to, is under the care of, or has had an appointment with a specialist or consultant
- been admitted to hospital or had surgery
It’s really important that you tell us about any pre-existing medical conditions. If you don’t, we may refuse to pay a claim or withdraw cover entirely.
Medical treatment abroad can be very expensive. Travelling without cover for pre-existing conditions could lead to serious financial implications if you need treatment while you're on a trip. It could also mean that if you become ill before your trip, we may not pay a claim for cancelling the trip for any insured person.
Look at the Your health section of the policy wording for more information on what we need to know about pre-existing medical conditions and when you need to tell us.
Read our policy wording.
Pre-existing medical conditions
If we can cover pre-existing medical conditions, your price will include the cost of covering this. However, sometimes we can’t offer cover for medical conditions. If this happens, or you’re not happy with the price we’ve quoted, you may be able to get cover from a specialist medical insurer instead.
The Government’s MoneyHelper service has a list of these insurers. You can go to the Money Helper website or call 0800 138 7777.
We work with a specialist travel insurance provider, All Clear, who may be able to cover you. You can contact them on 0800 848 8693 or head to their website.
If you have symptoms that haven’t been diagnosed yet, you may need to wait for a diagnosis before you’re able to get cover.
Calls to 0800 numbers from UK landlines and mobiles are free.
Optional cover
You can enhance your Aviva Signature travel insurance to cover the specifics of your trip by choosing from our optional extras. For an additional premium, cover can be extended for trips of up to 45, 60 or 90 days.
Your belongings
You can choose to add optional cover for your personal belongings if they are lost, stolen, or damaged during your trip. This cover applies per person, per incident and includes:
- Up to £2,000 for belongings - includes up to £400 for valuables, individual items, pairs, or sets
- Up to £500 for money - limited to £100 if the insured person is under 16 years old
- Up to £1,500 for golf equipment
Winter sports
Optional cover gives you extra protection while you're taking part in certain winter sports activities. It covers ski equipment, holiday disruption, piste closure and if you are unable to take part due to illness or accidental injury.
The advantages of travel insurance
Over 95k people have chosen Aviva for cover in the last 12 months Footnote [4]. If you're only planning on taking one holiday or trip within the next 12 months then this cover could be for you. When you get a quote, we’ll ask where you’re going and the start date and end date of your travel. That way, we’re able to give you specific cover for your particular getaway.
With our Aviva Signature Single trip cover, we'll support you with things like medical emergencies, if you need to cancel or come home early, or your travel documents are lost or stolen while abroad.
Making a claim
If something happens, we’re here for you. You can get our attention online or give us a call – whichever’s easier for you.
Before you start your claim, remember that your policy covers you for costs that are unrecoverable from your travel agent, accommodation provider, credit or debit card company, PAYPAL, or organisations like ABTA and ATOL.
Frequently asked questions
Am I covered for a winter sports trip?
You have the option to add winter sports cover to your quote or policy for an additional premium:
Aviva Signature Single trip cover: You'll be covered throughout the duration of your trip.
Aviva Signature Annual Multi-trip cover: You'll be covered for up to 31 days per trip.
Cover limits and exclusions apply so for further information please see our policy book.
If you're a new customer you can add winter sports cover to your quote in the "Optional policy covers" section on the "Your quote" page. If you have an existing policy and have not started your trip but would like to add winter sports cover, please call us on 0345 266 9259**.
Am I covered for cruises?
There is no cover under any section of the policy if your trip involves a cruise unless you have told us and cover for cruises is shown on your policy schedule. This includes, but is not limited to, claims for medical treatment (including airlift to hospital), cancelling your trip or coming home early.
If your plans change after purchasing or renewing your policy and you decide to book a cruise, it’s important to let us know to ensure that you have cover for cruises.
Am I covered for travel disruption?
We’ll pay for unexpected travel or accommodation costs if your trip is disrupted due to:
- Natural disasters, severe weather, fire or explosion.
- Your travel or accommodation provider going out of business.
- Delays over 12 hours, cancellations, diversions, or overbooking with no alternative
We’ll also reimburse non-refundable costs (like event tickets or excursions) if you arrive late due to these disruptions.
Or choose the number that best fits your circumstances and give us a ring.
Medical emergencies abroad
0044 1603 208 044
Open: 24 hours a day
Non-emergency travel claims abroad
0044 1603 603 716
Monday - Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Bank holidays: 8:00am - 4:00pm
Non-emergency travel claims in the UK
0345 030 6983
Monday - Friday: 8:00am - 6:00pm
Saturday: 8:00am - 4:00pm
Sunday: Closed
Bank holidays: 8:00am - 4:00pm
Travel assistant
01603 208 045
Open: 24 hours a day
Legal expenses claims and advice
0044 1603 208 244
Open: 24 hours a day
Numbers beginning 01 and 03 are charged at national call rates and are usually included in inclusive minute call plans from landlines and mobiles, although charges may vary depending on your network provider. To protect us all, calls may be recorded and monitored.
Travel insurance knowledge centre
Discover essential tips and insights by exploring our travel insurance articles to ensure your next adventure is safe and worry-free.
