Travel Insurance Glossary
Annual or multi-trip policy
A policy which covers a number of trips during a policy period of 12 months.
An annual or multi-trip policy covers you for a 12-month period of travel. If you're planning on taking a number of trips within 365 days, getting an annual policy can be a cost-effective way of getting insurance. There are usually limitations on the maximum length of trip that can be taken , often 31 days, but this does vary by insurer so you should check the policy details before you buy if this is an issue for you.
Items taken on a trip, which are worn or carried by the policyholder, including suitcases.
Cancellation of a trip for a reason stated in policy documentation. For example, redundancy, death or serious illness of a close relative or someone travelling with the policyholder.
A request for payment by the policyholder for a loss covered under the terms of an insurance policy.
Where the departure of a flight or other method of transport is delayed by the time period stipulated in the policy documents, a claim can be made for items such as meals or overnight accommodation.
European Health Insurance Card. A card given to people travelling in the EEA which gives them the same level of healthcare as residents of the country they are visiting.
The portion of a claim a policyholder is liable for, payment for which must be made before a claim is paid by an insurance company.
Items an insurance policy doesn't cover. For example, specific pre-existing medical conditions under a standard travel insurance policy.
Usaull two adults and two children under 18, where the children are usually in full-time education.
Level of cover
The amount of protection given under an insurance policy.
See Exclusions above.
Cover for emergency medical expenses if someone named under a travel insurance policy is taken ill or injured while on a trip.
Cover for the legal liability of a policyholder for accidental injury, loss or damage to a third party or their property.
The person that owns an insurance policy, and whose name it is held in.
Pre-existing medical condition
An illness, disease or injury you already have, or have previously had before the start of a travel insurance policy.
The transportation of a person back to the UK, usually following an illness or accident suffered whilst abroad.
Single trip policy
A policy which covers one trip or holiday.