Frequently Asked Questions
See what other people are asking about their travel insurance.
Who is eligible to purchase cover with OK To Travel?
Our travel insurance products are available to permanent UK residents who are registered with a GP in the UK. Some of our products can also cover residents of the Channel Islands or Isle of Man.
You need to be fit to travel at the time of purchasing travel insurance cover.
Am I covered if I travel against FCDO advice?
None of our policies will provide cover for travel to a country or destination where the Foreign, Commonwealth and Development Office are advising against all or all but essential travel. If you have an essential reason for travel please contact us in the first instance to discuss your requirements.
All travellers should check the latest FCDO travel advice for their chosen destination at gov.uk prior to purchasing insurance or travelling. There will be no cover under this policy if you travel to a country or area where the Foreign, Commonwealth and Development Office (FCDO) or government are advising against all or all but essential travel. There is no cancellation cover if you are unable to travel due to the FCDO or government advising against all or all but essential travel.
How do I contact medical assistance?
The quickest way to contact the 24 hour medical assistance team is by telephone. The appropriate contact number can be found on your travel insurance policy schedule or in the policy wording.
Additionally, when you purchase cover with OK To Travel, we’ll send you an SMS containing your policy number and the medical assistance telephone number.
Do you cover cruises?
Yes! When you are arranging your travel insurance, you’ll be asked if you are cruising and cruise cover will be added to your quote to ensure you gain the additional benefits such as cabin confinement and missed departure. Often this is a requirement of cruise operators, something you may want to check.
Who underwrites your travel insurance policies?
OK To Travel offers travel insurance schemes with several well-regarded, A-rated, insurers including Allianz Worldwide Partners, Starr International Europe and Accelerant Insurance UK Limited.
Do you have any age limits?
OK To Travel provides a range of specialist travel insurance schemes, some of which do not operate any upper age limit on Single Trip or Annual Multi-Trip policies. Get a quote online today, or discuss your requirements with our customer care team, so we can propose suitable products for your age and needs.
When should I start my policy?
You should buy your travel insurance as soon as you book your trip if you have opted for a product that included cancellation cover. In regards the trip itself, you are covered from the time you start your trip right up until the day you return back to the UK.
If you opt to purchase Annual Multi-Trip cover, please consider starting the policy immediately so you have cancellation cover in place, should anything unforeseen happen before you travel.
How do I retrieve my quote?
Your cooling-off period of 14 days allows you to go ahead and buy with confidence, knowing that you can cancel the policy if you change your mind, as long as you have not travelled or made a claim.
However, If you would like to proceed with a saved quote, you’ll need to contact us on 01223 446 920 with your quote reference number, which is made available during the online quote journey.
Can you cover non-UK residents?
Our travel insurance products are available to UK residents.
If you are a resident of the Channel Islands or Isle of Man, please contact us on 01223 446 920 as only some of our products are suitable.
Am I covered for COVID-19 medical expenses abroad?
If you test positive for COVID-19 whilst travelling and require emergency or necessary medical treatment, this will be covered by your OK To Travel insurance policy providing you did not travel against the advice of the Foreign, Commonwealth and Development Office or the Government.
Customers should be aware that our policies are for travel insurance and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically-capable public facilities are available.
Our policies will provide cover for repatriation (bringing you home) if that is medically necessary. Our assistance team will liaise with your treating doctor(s) about your treatment plan and, if required, obtain a ‘fit to fly’ certificate. We will also liaise with you to arrange suitable repatriation plans to get you home as soon as it is medically safe in order to optimise your recovery.
Do you cover cancellation due to COVID-19?
Cancellation cover will apply if you are unable to travel having received a positive COVID-19 test prior to departure. You will require evidence of a positive test. Please read the policy wording for full terms, conditions and exclusions.
How can I pay for my travel insurance?
We accept all major debit and credit cards except American Express (coming soon!)
You can make your payment online during the customer quote journey, or by calling the OK To Travel team on 01223 446 920.
Can you insure a child under 18 on their own policy?
Children under 18 must have at least one named adult on the policy. The child is covered providing they are travelling with at least one of these adults.
If I pay online are my details safe?
Yes. We encrypt your personal data to ensure no one else can read it. We store personal data in keeping with the Data Protection Act 2018 – the UK’s version of the EU’s General Data Protection Regulation (GDPR).
Can I cancel my policy after I've paid for it?
We provide a 14 day cooling-off period from the date of receipt of your policy documents. If you contact us during this period, you are entitled to a full refund provided you have not travelled or made any claims against the policy. If you are outside of the 14 day cooling-off period, please contact us to discuss your options.
Am I covered for winter sports on the policy?
Winter sports are not covered as standard. You can pay an additional premium to include winter sports cover during our quote journey providing you are aged 65 or under and travelling for 31 days or less.
Do you cover sports and activities?
Yes, but the available activites will vary depending on the policy you purchase. Please view the applicable policy wording to ensure your activity is included in cover, or call us to discuss your requirements.
What cover is available for cancellation?
OK To Travel offers cancellation cover from £0 to £10,000 per person, per trip. You can view a full summary of the cover benefits prior to purchase.
Do you need to know the names of my medication?
We do not need the names of the medication or the dosage, only the condition that the medication is prescribed to treat or prevent.
How do I renew my annual insurance?
In good time, we will send you a reminder that your annual multi-trip policy is coming to an end.
You can then arrange a new quote online or over the phone. We do not automatically renew annual policies in case your circumstances have changed.
How do I amend my policy?
If you need to amend your policy, please contact us on 01223 446 920.
This may be because you have noticed a problem or error with your documents, want to amend the name of an insured person, add a new person to the policy, purchase an additional cover option, or tell us about a change in your health or medication.
We will update our records and arrange to send your amended documentation.
Can I travel separately on an annual multi-trip policy?
All adults insured on the policy are covered when travelling together or independently. Children are not covered to travel separately from the insured adult.
What is the maximum trip length?
OK To Travel offers Single Trip cover for travel up to 365 days, and Annual Multi-Trip policies with a maximum duration of 32, 42 or 62 days per trip. Available durations will vary depending on age and the policy selected.
Can you cover mental health conditions?
We aim to cover mental health conditions from mild depression right through to bipolar disorder or schizophrenia. Our quotes are subject to a medical screening.
If you have a complex medical history, you may find it reassuring to arrange your insurance with one of our medically-aware insurance agents by contacting us on 01223 446 920.
I already have cover but have since developed a new medical condition. Do I need to tell you?
Yes, any change to your health or medication that occurs before your departure date needs to be declared to us so that we can review your cover. To do this, contact us on 01223 446 920
I am currently receiving treatment, will you insure me for travel?
We will consider cover for people while they are receiving medical treatment including chemotherapy. We base all our quotes on individual circumstances. However, we cannot cover the actual cost of any on-going treatment that you know you will require during the trip, such as dialysis or the cost of chemotherapy treatment itself.
When getting a quote, answer the medical screening questions as of today.
My symptoms have not been diagnosed yet, can you cover me?
We can’t cover undiagnosed conditions online but are often able to assess your needs with our insurers and arrange cover.
Please contact us on 01223 446 920 and we’ll look at the options with you.
How much excess do I have to pay?
The excess payable in the event of a claim will vary depending on the level of cover you’ve selected. Please view our benefits summary or if you’ve already purchased a policy, see the summary of cover in your policy wording.
What can I do with my policy if I am no longer travelling?
If you are still within the 14-day cooling-off period and have not travelled, a full refund will apply as long as no claims have been made on the policy.
In the event that your trip is cancelled outside of your policy cooling-off period, subject to no claims being made, we may be able to move your insurance to alternative dates/destinations.
Please contact us to discuss your requirements on 01223 446 920.