Contact our UK-based team: : info@campbellirvine.com
FAQ
No – we can only provide cover for persons who currently reside in the UK, 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 (UK) only - Whilst insurance is available for holidays in the UK (England, Scotland, Wales and Northern Ireland), Section A - Emergency medical expenses shall not apply.
- Europe - Means the continent of Europe west of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, Republic of Ireland, the Canary Islands, Azores and Mediterranean Islands, as well as the countries bordering the Mediterranean.
- Worldwide excluding North America & Mexico - North America means the USA and Canada.
a. For any period of cover purchased Area 3 can include a single day/night stop-over anywhere in the world for both outward and return travel.
b. If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 6 days/nights anywhere in the world.
- Worldwide including North America & Mexico - North America means the USA and Canada. These definitions are provided in the policy wording and they can also be viewed by clicking on the help button alongside destinations during the online quote process.
- United Kingdom (UK) only - Whilst insurance is available for holidays in the UK (England, Scotland, Wales and Northern Ireland), Section A - Emergency medical expenses shall not apply.
- Europe - Means the continent of Europe west of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, Republic of Ireland, the Canary Islands, Azores and Mediterranean Islands, as well as the countries bordering the Mediterranean.
- Worldwide excluding North America & Mexico - North America means the USA and Canada.
a. For any period of cover purchased Area 3 can include a single day/night stop-over anywhere in the world for both outward and return travel.
b. If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 6 days/nights anywhere in the world.
- Worldwide including North America & Mexico - North America means the USA and Canada. These definitions are provided in the 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 and Annual Multi-trip policies offer an excess waiver option. This removes standard excesses which apply under the various sections of the policy with the exception of the increased £500 excess relating to Helicopter mountain rescue in Nepal, as detailed on page 4 of the policy wording.
Repatriation is included under Section A -Emergency Medical Expenses of the policy. In all cases, you must contact the Insurer’s medical emergency 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 D – Cancellation or Curtailment, 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. Please refer to the relevant policy wording for full details.
a. Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn's disease, epilepsy, allergy, cancer, psychiatric or psychological condition (including anxiety, stress and depression) for which you have received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist or prescribed medication) in the last five years.
b. Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or are prescribed medication.
b. Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or are prescribed medication.
The medical screening service is optional for those persons wishing to establish if additional cover may be offered to include pre-existing medical conditions. You can either disclose your known medical conditions online at www.policyscreening.com/ci or by calling the medical screening helpline team. You will be asked for your personal and travel details. Please have your insurance policy number to hand if known if calling the medical screening helpline service.
You will be advised whether the pre-existing medical condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening service.
You will be advised whether the pre-existing medical condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening service.
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.
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.
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.
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 so long as you are not racing. Section B - Personal Liability 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 – for Single trip and Annual Multi-trip policies you will need to select the Winter Sports option and pay the additional premium. Section H – Winter Sports extension will than be included as part of your cover.
You are also covered for driving a snowmobile under the optional winter sports extension. Please see policy wording for full details.
No cover for ski racing, jumping, freestyling, ice hockey or the use of bobsleighs or skeletons.
Winter sports activities using a recognised piste are only insured if the appropriate premium has been paid and is shown on the booking invoice or validation certificate (as applicable). Random 'off piste' winter sports activities will only be insured if, in addition to the requirement noted above, they are with a qualified instructor or in a group of not less than three persons in possession of working communications or portable telephones. There is no cover for winter sports activities against local authority advice.
Winter sports activities using a recognised piste are only insured if the appropriate premium has been paid and is shown on the booking invoice or validation certificate (as applicable). Random 'off piste' winter sports activities will only be insured if, in addition to the requirement noted above, they are with a qualified instructor or in a group of not less than three persons in possession of working communications or portable telephones. There is no cover for winter sports activities against local authority advice.
If you are driving a Motorbike (or Quad-bike) up to 125cc you are covered subject to the standard terms and conditions. If the Motorbike (or Quad-bike) has an engine capacity above 125cc or if motorbike touring, you will require our agreement and payment an additional premium. Please refer to the ‘contact us’ page.
Please note: You must hold the appropriate full UK driving license. There is no Personal Liability cover whilst driving a motorbike or cover for the motorbike itself. You must wear a helmet at all times if you are driving or are riding pillion. Please see the policy wording for full details.
Please note: You must hold the appropriate full UK driving license. There is no Personal Liability cover whilst driving a motorbike or cover for the motorbike itself. You must wear a helmet at all times if you are driving or are riding pillion. Please see the policy wording for full details.
Safari travel in a vehicle, on horseback or on foot is covered under the standard terms and conditions
Yes – cover is automatically provided for scuba diving activities, up to a maximum of 40 meters in depth. This includes the use of hyperbaric or decompression chambers if deemed medically necessary. Cover does not extend to solo diving or wreck diving. Whether 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 travelling alone is permitted for children on Family and single parent family policies provided your child is 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 Europe Annual Multi-Trip policy allows you to travel on unlimited occasions for up to 31 days for any one trip.
Our Worldwide Annual Multi-Trip policy allows you to travel on unlimited occasions for up to 70 days for any one trip if you are aged 65 years or under. Travel for those aged 66-74 years is restricted to 31 days for any one trip.
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 or any other independent report within a reasonable time frame 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 Insurance Premium Tax (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 may be asked 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 info@campbellirvine.com 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. Your policy documents will have been emailed to you after you purchased your policy which will also allow you to print the documentation yourself.
Below are links to the FCDO website and the Governments Travel Aware 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
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
Our Campbell Irvine Direct travel insurance policy excludes cover any claims arising directly or indirectly from the specific reasons why British Foreign, Commonwealth & Development Office (FCDO) advise against travel to, or through specific destinations. Whilst you can still travel to, or through destinations listed by the FCDO as being against 'all but essential travel', should a claim arise when travelling to a destination against 'all but essential travel' by the FCDO, you will be required to provide evidence as to why your trip was deemed essential at the time of making a claim.
If you intend travel to a destination where the FCDO are advising 'against all travel' or 'all but essential' travel and require full cover without our standard policy restrictions, please click here to arrange cover via our specialist OpenWorld travel insurance policy.
If you intend travel to a destination where the FCDO are advising 'against all travel' or 'all but essential' travel and require full cover without our standard policy restrictions, please click here to arrange cover via our specialist OpenWorld travel insurance policy.
Yes, our website is secure; when you press the debit/credit card button you will be able to see the padlock in your browser.
Yes, our policy automatically includes cover for emergency repatriation by helicopter from a known and agreed location if medically necessary and authorized by the Insurer's 24hr medical emergency assistance helpline. Please note helicopter repatriations in Nepal are subject to an increased excess of £500 per person.
Yes, our policy automatically includes cover for recreational guided trekking when using recognized routes up to a maximum altitude of 7,000m.
Yes, our policy automatically includes cover for the cost of taking you from a known and agreed location to the nearest appropriate medical facility if medically necessary and authorized by the Insurer's 24hr medical emergency assistance helpline.
No – we can only provide cover for persons who permanently reside in the UK.
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. Please refer to the Open World IPID
No, the Excess cannot be removed under the Open World policy.
Repatriation is included under Section 1. Medical and Additional Expenses of the policy. In all cases, you must contact the Insurer’s 24hr medical emergency 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.
Loss, theft or damage to your Baggage is covered as standard on the Open World policy. Terms and conditions apply. Please see the Certificate of Insurance for full details.
The Open World travel insurance policy provides cover under various sections. They include Medical and Additional Expenses, Cancellation and Curtailment, Personal Accident, Personal Liability and personal Baggage. Please refer to the relevant section of the policy wording for full details.
If your condition has required medical advice, care, or monitoring by a medical practitioner or hospital in the 12 months prior to booking your trip (or the date of issue of your policy, whichever is later), this will not be covered. However, if you take regular medication for your condition, and there has been no change in the type, frequency, or quantity in the last 12 months, and provided medication is taken as medically advised while travelling, this will be covered.
Yes - if you are travelling to, or through certain countries in Europe.
You can apply for a Global Health Insurance Card (GHIC) either online through www.nhs.uk/GHIC or, by phoning 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 of fast track your application. The GHIC is free and cannot be fast tracked.
IMPORTANT NOTE - BEWARE OF UNOFFICIAL WEBSITES who require you to pay a fee to process your application of fast track your application. The GHIC is free and cannot be fast tracked.
The policy covers you whilst driving abroad so long as you are not racing. Section 4 - Personal Liability will not apply to claim arising from the use of a motorised vehicle. We do not provide cover for the vehicle as this should have been arranged with an appropriate motor insurance.
You will need to obtain a police report within a reasonable time frame, then contact our claims team when you return to the UK.
All prices quoted are in total for the number of travelers you have entered when obtaining your quotation and includes Insurance Premium Tax (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.
Your policy documents will be emailed to you as soon as your purchase is complete. If your trip details require referral to the Insurers, once payment of the premium is made, we aim to have documents sent over within 24 hours, Monday to Friday.
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 the policy documents is through the Customer Portal. Details of how to access the Customer Portal are provided at the end of the sales process. Your policy documents will have been emailed to you upon purchase which will also allow you to print the documentation yourself.
Yes - our specialised Open World travel insurance policy provides cover for travel to destinations where the British FCDO (Foreign, Commonwealth & Development Office) advises 'against all travel' or 'all but essential travel'. Our Open World policy provides Emergency Medical, repatriation and Personal Accident cover including for acts of war and terrorism even when travelling to a destination against FCDO advice.
What is not covered under our Open World policy:
If you are unable to obtain a quote automatically on our website, the country you are travelling to may be on the Underwriter's excluded territories list and will require referral to the Underwriters. In this instance, you will need to complete a referral form. To do this, please click here.
Please note that if cover is extended following referral , the Underwriters reserve the right to charge an additional premium and/or amend the cover given in respect of such trips.
What is not covered under our Open World policy:
- - The Insured Person's participation in Military, Air Force or Naval Service or Operations (other than reserve or volunteer training).
- - Terrorism involving the actual or threatened use of pathogenic or poisonous biological or chemical materials.
- - War, whether war be declared or not, invasion or civil war; except whilst the Insured Person is travelling outside the United Kingdom, however this exception shall not apply where the Insured Person is taking an active part in such war, invasion or civil war.
If you are unable to obtain a quote automatically on our website, the country you are travelling to may be on the Underwriter's excluded territories list and will require referral to the Underwriters. In this instance, you will need to complete a referral form. To do this, please click here.
Please note that if cover is extended following referral , the Underwriters reserve the right to charge an additional premium and/or amend the cover given in respect of such trips.
The Underwriter's excluded territories list refers to territories / countries where the Underwriters requires customers to complete a referral form for review on a case-by-case basis.
No cover is offered to the following territories/ countries under this policy unless declared to and agreed by the Underwriters prior to travel:
Afghanistan, Belarus, Central African Republic, Chad, Cuba, Democratic Republic of Congo, Iran, Iraq, Israel, Ivory Coast, Lebanon, Libya, Mali, Niger, Nigeria, North Korea, Pakistan, Palestinian Territories, Russia, Somalia, Sudan, South Sudan, Syria, Ukraine and Yemen.
Afghanistan, Belarus, Central African Republic, Chad, Cuba, Democratic Republic of Congo, Iran, Iraq, Israel, Ivory Coast, Lebanon, Libya, Mali, Niger, Nigeria, North Korea, Pakistan, Palestinian Territories, Russia, Somalia, Sudan, South Sudan, Syria, Ukraine and Yemen.
The maximum trip duration on the Open World single trip policy is up to 365 days. For travellers aged 65 years or over, the maximum trip duration is 31 days.
The Open World travel insurance policy is suitable for individuals who intend to travel to destinations where the FCDO (Foreign, Commonwealth & Development Office) advises 'against all travel' or 'against all but essential travel'.
Trips connected with your business or occupation are not automatically covered and must be declared to and agreed by the Underwriters prior to travel. In these cases, you may be required to complete a referral form. To do this, please click here.
Trips connected with your business or occupation are not automatically covered and must be declared to and agreed by the Underwriters prior to travel. In these cases, you may be required to complete a referral form. To do this, please click here.
