Travel insurance FAQs

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**.

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.

Yes, travel for business outside the UK in connection with an insured person’s job is covered - to carry out non-manual work such as administrative tasks, meetings and conferences. Voluntary, charity or conservation work, and fundraising, is also covered - provided they are for a registered charity or conservation organisation.

We won’t cover any trip where part, or all of the trip has been arranged

• in connection with an insured person’s job where the trip involves, manual or physical work of any kind, working with children, providing healthcare, policing, security or military service, or an insured person’s role as a politician, religious leader, professional entertainer, or sportsperson.
• to carry out charity or conservation work where this involves working in a healthcare environment or working at heights of more than 3 metres.

If you live in England, Scotland, Wales, Northern Ireland, Jersey or Isle of Man and are on a trip to Jersey or the Isle of Man we will not cover you for any costs incurred relating to emergency medical treatment during the trip as this is covered by the local health authority e.g. NHS.

We will, however, pay up to £10,000 per person for accommodation costs and additional travel costs, if you cannot use your return ticket.

If you are travelling from one of these countries to one of the other Channel Islands e.g. Guernsey, Alderney etc, then you will be covered for any emergency medical treatment costs.

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. 

You are covered up to £5,000 per person if you need to cancel your trip or come home early.
This includes reasons such as:

• Serious illness, injury, death, or quarantine of anyone covered by the policy, the person they’re going to stay with, a close relative, or a business colleague
• If you or your travel companion are:
  • Called for jury service or to attend a tribunal in a court of law
  • Notified of redundancy
  • Needed at home following a burglary or severe damage to your home
  • Unable to reach or use pre-booked accommodation due to a natural disaster, severe weather, fire, explosion, or an outbreak of food poisoning
  • Travel or accommodation provider becomes insolvent 

These are just examples - cover limits and exclusions apply. For the full list of cancellation reasons and detailed terms, please refer to the policy book.

Optional Your belongings cover will cover you for loss, theft or accidental damage of your belongings during your trip. This cover applies per person 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

If you're a new customer you can add Your belongings cover to your quote in the "Optional policy covers" section on the "Your quote" page.

If you have an existing policy and would like to add Your belongings cover please call us on 0345 266 9259**.

The following countries are included under our definition of "Europe":

Albania, Algeria, Andorra, Austria, Azores, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland (Eire), Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia (West of the Ural Mountains), San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine and United Kingdom.

You are covered up to £5,000 if you need to cancel your trip or come home early due to pregnancy, if you are advised by a doctor not to travel as a direct result, or the transport operator confirms you would be travelling outside the conditions of carriage. The pregnancy must have been confirmed after you purchased the policy or booked your trip, whichever is later.

If we can cover a pre-existing medical condition we will, and this will be reflected in what you pay.

If we can't cover your pre-existing medical conditions or we can but you're not satisfied with the price, you might be able to get cover from a specialist medical insurer instead. The UK government lists these specialist insurers for you to check out on MoneyHelper.

If you are a new customer please provide details during the online quote. If you have an existing policy and need to tell us about a medical condition, please call us when you receive your renewal invite on 0345 266 9259**.

We can provide Aviva Signature travel insurance for new customers under 80 years of age.

If you want travel insurance and you are aged 80 or over, you can contact our business partner - All Clear Travel Insurance Services - on 0800 848 8693* for a quote.

The excess varies depending on the specific type of claim, depending on the claim there may not be any excess applied.

The excess amounts and when they apply, will be shown in the policy book.

If you already hold a UK-issued EHIC, this will be valid until the expiry date.

Once your EHIC has expired, you’ll be able to replace it with a Global Health insurance Card (GHIC) which gives you access to free or reduced cost state-provided healthcare if you need medical treatment during a temporary visit to the EU.

With the GHIC, you can access treatment at the same cost that residents in that country pay. But it’s important to remember that some country’s state healthcare isn’t free so you may need to pay towards your treatment. If you have valid travel insurance, you may be able to claim back this cost from your insurer.

Having a valid EHIC/GHIC doesn’t affect the cover you get through your travel insurance.

To apply for a GHIC, you should visit the NHS website and search for GHIC.

A GHIC is free so don’t trust unofficial websites which charge you to apply for one.