FAQsNo – we can only provide cover for persons who currently reside in the UK, and have done so for more than 6 months and are registered with a medical practitioner in the area in which they reside. For persons residing outside of the UK, please click here for details of our specialist policy available to persons living anywhere in the world.
Geographical Areas
– United Kingdom, Isle of Man and Jersey
– Europe west of the Ural Mountains including all countries with a Mediterranean coastline excluding Libya and Lebanon.
– Worldwide excluding the United States of America, Canada, Hong Kong, Singapore, Mexico and the Caribbean Islands.
– Worldwide including the United States of America, Canada, Hong Kong, Singapore, Mexico and the Caribbean Islands
These Definitions are provided in ther policy wording and they can also be viewed by clicking on the help button alongside destinations during the online quote process.
This is the amount you will have to pay towards the cost of each claim under the policy after the application of the policy limits.
Our Single trip policy offers an excess waiver option. This removes any excesses which apply under the various sections of the policy. You would not be responsible for paying anything in the event of a claim if you have taken out the excess waiver. PLEASE NOTE: The Excess waiver does not apply to Excesses applied to claims resulting from participation in Level 2 or Level 3 Hazardous Pursuits.
This option is not available on the Annual Multi-trip policies.
Repatriation is included under Section B -Emergency Medical and other Expenses of the policy. In all cases, you must contact the assistance company in the event you need to be repatriated back to the UK. The assistance company must give their approval and will be able to make the necessary arrangements on your behalf.
Baggage is covered as standard on all our policies. Terms and conditions apply. Please see policy wording for full details.
The policy provides cover under Section A – Cancellation, due to ill health, subject to the policy terms and conditions.
The travel insurance products that we offer provide cover under various sections. They include Medical Expenses, Personal Effects and Baggage, and Personal Liability. There are also various other areas of cover provided. Please refer to the policy wording for full details. PLEASE NOTE: there is.
Pre-Existing Medical Condition – Any cancer, heart condition (including hypertension and high cholesterol), blood circulatory condition, respiratory condition (including asthma), renal condition (relating to the liver or kidney), stroke, psychiatric or psychological condition (including anxiety, stress and depression) for which You have received treatment or been prescribed medication within the last twelve months; and any other Medical Condition for which You have seen a specialist or been admitted to hospital overnight within the last twelve months. (Please see the Medical Warranty section on page 4 of the policy wording for full details and conditions).
We are able to cover many pre-existing medical conditions, subject to an additional premium. Please declare your pre-existing medical conditions during the sales process.
Yes – if you are travelling to, or through an EU destination. By taking and utilising your GHIC, in the event of a claim for medical expenses, we will not deduct the policy excess where your claim is reduced due to its use, or any other reciprocal health agreements.
You can apply for a Global Health Insurance Card (GHIC). either online through www.nhs.uk/GHIC or, by telephoning 0300 330 1350 (Mon to Fri, 8am – 6pm and Sat, 9am – 3pm).
IMPORTANT NOTE – BEWARE OF UNOFFICIAL WEBSITES who require you to pay a fee to process your application or fast track your application. The GHIC card is free and cannot be fast tracked.
The policy covers you whilst driving abroad, however personal liability cover will not apply. We do not provide cover for the vehicle as this should have been arranged with an appropriate motor insurance for this.
Yes – you will need to select the winter sports option and pay the additional premium.
Motorcycling up to 50cc is covered subject to the standard terms and conditions. Motorcycling above 50cc would require adding the optional cover – Level 1,2 & 3 Hazardous Pursuits. For all motorcycling, a crash helmet must be worn, and you must hold the appropriate license. There is no personal liability cover or cover for the motorbike itself. Please see the policy wording for full details.
If the safari is UK organised it is covered under the standard terms and conditions. If the safari is non-UK organised, you will need to add the optional cover – Level 1 & 2 Hazardous Pursuits as shown in the policy. Both options are only available provided no firearms are used.
Yes – cover is automatically provided for scuba diving activities, but not beyond your qualified depth, and up to a maximum of 30 metres. If your qualified depth is 50 metres you would need to add the optional cover – Level 1 &2 Hazardous Pursuits. If you are hiring or taking your own equipment, make sure that you have adequate insurance cover for the equipment itself.
Yes:
Single Trip policy – children can travel alone, but they will be charged the standard adult rate.
Annual Multi-Trip policy – Independent travel is permitted for children on Family and single parent family policies provided they are living in the same household and travelling in accordance with any carrier requirements and are either accompanied by another responsible adult or are staying with and being met at their destination by a responsible adult.
Yes – a couple may travel independently of one another, but children must travel either accompanied by another responsible adult or are staying with and being met at their destination by a responsible adult.
Our Annual Multi-Trip policy has 2 options allowing you to travel for up to 31 days or 45 Days for any one trip, depending on which policy duration you decide to purchase.
You may travel as many times as you wish during the period of insurance, providing each trip is no than to maximum trip duration of the policy you purchased.
No, on an annual policy you do not need to inform us when you are travelling.
Please contact us to arrange a suitable quotation, as we may be able to offer an alternative policy appropriate to the type of trip being undertaken.
You will need to obtain a police report within 24 hours, then contact our claims team when you return to the UK. Our policy does not provide cover for replacement money to be sent to you whilst still on your holiday.
All prices quoted are in total for the number of travellers you have entered when obtaining your quotation and include IPT.
IPT stands for Insurance Premium Tax and is automatically included in all our prices at the current rate of 20%. This is a Government Tax.
You do not need to complete any forms or send anything to us. We issue all documents online and you are instantly covered. It’s as easy as that. PLEASE NOTE: if you require specialist cover with respect to travelling against FCDO advice, you will need to complete an application form.
All your policy documents will be emailed to you as soon as your purchase is complete. If you lose your policy documents, our Customer Portal will allow you to view and email you documents or you can email enquiries@letsgoinsure.co.uk and we will email them to you.
You will need to be able to access your policy documents as they contain all the necessary information including what to do in the event of a Medical Emergency requiring contact with the 24-hour medical assistance. The easiest way to access your policy documents is via the Customer Portal. Details of how to access the Customer Portal are provided at the end of the sales process. Alternatively, you can print the documentation yourself.
Below are a number of links to the FCDO website where official up-to-date information can be found, including helpful travel advice & tips for British nationals overseas.
Travel Advice by Country, including warnings about ‘no-go’ countries, countries where only essential travel is recommended, the latest travel updates, and travel advice country by country.
Travel Aware, is an ongoing campaign to help Brits stay safe and healthy abroad.
No – we cannot cover any claims arising directly or indirectly from you travelling against British Foreign, Commonwealth & Development Office (FCDO) advice or where it is deemed unsafe for You to travel at the time of Your departure, the list includes, but is not limited t : Afghanistan, Ukraine, Central African Republic, Chad, Democratic Republic of Congo, Iran, Iraq, Ivory Coast, North Korea, Lebanon, Libya, Mali, Niger, Nigeria, Pakistan, Somalia, Sudan, Syria, Yemen. If you require cover for travel to a country/region/area where the FCDO are advising against travel, please click here to download an application form which should be completed and emailed to info@campbellirvine.com
Yes, our website is secure; when you press the debit/credit card button you will be able to see the padlock in the top right-hand corner of your screen.
52 Earls Court Road,
Kensington,
London,
W8 6EJ
Let's Go Insure is a trading name of Campbell Irvine Ltd who are authorised and regulated by the Financial Conduct Authority. Registration Number. 306242. Registered in England No. 1117838.
