What factors do we consider when calculating our premiums?

We consider a number of factors when calculating our premiums. These include:

  1. Pre-existing medical conditions
  2. Policy type and cover level
  3. Destination/geographical area
  4. Number of travellers
  5. Age of all travellers
  6. Trip duration
  7. Policy options selected such as cruise/activities



Need help?

UK Customer Services0330 880 3600

Open Mon - Fri 8:30am - 6pm.
Sat 8:30am - 4pm.
(Calls may be monitored or recorded)

UK Emergency AssistanceContact details can be found in your policy documentation

Available 24 hours a day, every day

It's important to know.

Our insurance policies do not cover undisclosed pre-existing medical conditions, or travel to or through countries where the Foreign Office has warned against all but essential travel. Other exclusions and conditions may apply so please check the Policy Wording for details.