What cover is available under my policy in relation to Coronavirus and Foreign, Commonwealth and Development Office (FCDO) advice or change in FCDO advice?

From 29th September 2020

NEW policies sold will provide cover for Cancellation should any insured person on your policy become ill with an infectious disease, including contracting COVID-19.

Our policies have always and continue to provide cover for Medical Expenses & Repatriation if you catch COVID-19 whilst you are abroad

Please note:

Our policies do not provide cover for Cancellation caused by:

– A change in FCDO advice
– Where the FCDO advise against all or all but essential travel, due to COVID-19 or any other pandemic.

Our policies will not provide ANY cover If you travel to a destination where the FCDO is advising against all or all but essential travel.

Full details of the cover and terms and conditions can be found in your policy wording.

Policies sold between 16th March 2020 and 28th September 2020 inclusive, there is no cover under this policy for:

– Cancellation, abandonment or curtailment claims if the Foreign, Commonwealth and Development Office (FCDO) advises you not to travel, for example where the FCDO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2.

– Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARSCOV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. Except for the Emergency Medical Expenses section. This will only apply if you did not travel against the published advice of the FCDO, any local government, local authority or WHO.


What is your maximum age limit?

We can cover persons up to the age of 67.

What is covered?

The policy that we offer provides 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 relevant Schedule of Cover for full details.

Can you cover non-UK residents?

No – we can only provide cover for persons who currently reside in the UK, and have done so for more than 2 years.

Is UK travel covered?

Yes – provided that the trip does not involve any element of business travel, and involves a minimum of 3 nights pre-booked commercial accommodation.

Is business travel covered?

Yes – provided the optional business cover is selected, and the additional premium paid, and provided this involves no manual or hazardous activity.

Are winter sports covered?

Yes – provided the optional winter sports over is selected, and the additional premium paid, your policy can cover you for normal winter sports activities, including snowboarding. You can view the full details in the policy wording. Off-piste is covered providing it is on an official route on which it is safe to ski or board.

Do I need winter sports cover if I’m skiing?

Yes – you will need to select the winter sports option and pay the additional premium.

Are unusual or hazardous activities covered?

No – if you are unsure, please contact us on 01702 427166.

Are safaris covered?

Please contact us on 01702 427166 if the safari is organised in the UK. If the safari is non-UK organised, an additional premium needs to be charged, and you would need to refer to the list of hazardous pursuits/activities in the policy wording to see which category you would require. Both options are only available provided no firearms are used.

Am I covered by my policy if I want to drive abroad?

The policy covers you whilst driving abroad however personal liability cover will not apply. We do not provide cover for the vehicle as this will be covered by an appropriate motor insurance arranged by the owner of the vehicle.

Can I arrange cover to ride motorbikes over 125cc?

Motorcycling up to 50cc is covered subject to the standard terms and conditions. Motorcycling above 50cc would require that you upgrade to a Travellers Choice policy and select Grade 3 Hazardous Activities. 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.

Is scuba diving covered?

Yes – cover is automatically provided for scuba diving activities, but not beyond your qualified depth, and up to a maximum of 40 metres. If you are hiring or taking your own equipment, make sure that you have adequate insurance cover for the equipment itself.

Do you offer a 24-hour medical assistance service?

Yes – this will include cover for your repatriation back to the UK if medically necessary. Full details are shown in the policy wording.

Am I covered for repatriation?

Repatriation is included under the Medical Expenses section of the policy. In all cases, you must contact the 24-hour medical assistance company in the event that 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.

Am I covered if I have to cancel a trip due to ill health?

Yes – the policy provides cover under the Cancellation section due to ill health, subject to the policy terms and conditions.

Is baggage covered?

Baggage is covered as standard on the policy however there are limits with regards to both single items and valuables. Definitions and details of these are provided within the policy wording. Please note that there is no cover for mobile telephones. If you require cover for your electronic devices, including mobile phones, laptops, cameras, tablets etc., please visit gadgettravelinsurance.co.uk to arrange the appropriate cover.

What do I do if my money or possessions are stolen whilst I’m away?

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.

Do you cover children to travel alone?

No – we can only insure a child aged under 18 years if they are travelling with an insured adult.

I am taking a large group abroad. Are they covered?

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.






How do I find out which countries are classed as Europe and Worldwide?

United Kingdom – (UK)

Europe – Europe, including the Channel Islands, Isle of Man, Republic of Ireland, Azores, Canaries, Madeira, Morocco, Tunisia, all Mediterranean Islands, Turkey, Black Sea Resorts and Commonwealth of Independent States (west of the Ural Mountains).

Worldwide – All countries including those specified as UK and Europe. / Excluded countries – Any travel to Afghanistan, Chad, Democratic Republic of Congo, Iraq, Ivory Coast, Libya, Mali, Niger, Nigeria, Pakistan (other than the Punjab and Sind territories), Palestinian Territories, Somalia, South Sudan, Sudan, Syria, Ukraine, and Yemen, or to a country which the Government of Great Britain and Northern Ireland Foreign and Commonwealth Office has advised against all travel or all but essential travel.

Does my policy cover travel against FCO advice?

No – we cannot offer cover for trips to any country the FCO advise against travelling to. Please also refer to page 3 of the policy wording for a list of excluded countries where cover cannot be provided. If you require cover for travel to a country/region/area where the FCO advise against travel, please click here to download an application form which should be completed and emailed to info@campbellirvine.com.

What is a pre-existing medical condition?

The policy wording provides a definition of a pre-existing medical condition on page 4.

Do you cover pre-existing medical conditions?

We are able to cover most pre-existing medical conditions, though this may be subject to an additional premium. Please call our medical screening helpline on 01702 427166 for assistance in obtaining cover for any pre-existing medical conditions.

Should I take an EHIC (E111) with me when I travel?

Yes – if you are travelling to, or through an EU destination. By taking and utilising your EHIC, 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.

How do I obtain a European Health Insurance Card (EHIC)?

You can register at these “Official” sites. You may need to give certain information such as your National Insurance Number. Your EHIC will normally be dispatched within a couple of days.

http://www.dh.gov.uk/travellers /

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 EHIC card is free and cannot be fast tracked.

What is an excess?

An excess is the amount of money that you are required to pay in the event of a claim. Details of the excesses are shown in the policy wording.

Can I remove the excess?

There is no excess waiver option under this policy.

Can we travel separately on an Annual Multi-Trip policy?

Yes – a couple may travel independently of one another, but children must travel at all times with at least one parent who is also insured under a Leisurecare travel policy.

Is an Annual Multi-Trip policy suitable for long stay trips?

Our Annual Multi-Trip policy allows you to travel for up to 31 days for any one trip.

How many times can I travel on an Annual Multi-Trip policy?

You may travel as many times as you wish during the period of insurance, providing each trip is no more than 31 days.

Do I have to tell you every time I travel on an Annual Multi-Trip policy?

No – you do not need to inform us when you are travelling.

Is the price quoted the total cost or the cost per person?

All prices quoted are in total for the number of travellers you have entered when obtaining your quotation, and include IPT.

What does IPT mean?

IPT stands for Insurance Premium Tax and is automatically included in all of our prices at the current rate of 20%. This is a government tax.

If I wanted to buy a policy, is there any need to fill out any forms and send them to you?

No – you do not need to complete any forms or send anything to us, unless you require specialist cover with respect to travelling against FCO advice. We issue all documents online.

How quickly do I receive the documents?

All your policy documents will be emailed to you as soon as your purchase is complete. If you lose your policy documents, we can arrange to resend them by email.

After I have paid, can I cancel my policy?

Yes – our policies include a 14-day cooling-off period, in which time you are entitled to a full refund should you decide the policy does not meet your requirements. No refund of premium can be made after this period.

Do I have to take all the documents with me when I travel?

Yes – your policy documents contain all the necessary information and what to do in the event of a claim, together with important contact details, such as for 24-hour medical assistance. If you do forget we can send a text message with your policy number and the emergency telephone number upon your request.

Is your website secure?

Yes, our website is secure. When you press the debit/credit card button, you will be able to see the padlock in the corner of your screen.