Frequently asked questions

Europe Plus Travel Insurance is available to persons who have been resident in the United Kingdom for at least 6 months prior to taking out this insurance and who are registered with a UK General Practitioner.

Cover is only available for round trips starting from and returning to the UK.

The cost of your policy will depend on the type of policy and cover you require, the duration of your trip (for Single-trip), the number and the age of people travelling. Some pre-existing Medical Conditions might also affect the total premium rate.

You can pay online using a Visa, MasterCard or Maestro card.

Your policy is delivered via your email address. We can also post you a copy of your policy documents.

EEA and EU countries including: Albania, Andorra, Austria, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, UK, and Ukraine.

Additional countries for Platinum Cover (Only operative if appropriate premium paid): Albania; Egypt; Moldova; Morocco; Russia, and Tunisia.

Please note: Cover within the UK applies to pre-booked trips only and must require payment for at least one overnight stay in a commercial accommodation facility such as hotel, bed & breakfast, hostel etc.

All insured persons travelling to European Health Insurance Card (EHIC) countries must have a valid EHIC card, unless travelling to a specific Non European Union Countries, as defined in the 'Geographical limits' section of your Policy Wording and appropriate premium paid.

You must at all times seek treatment at an appropriate medical facility which participates in the EHIC scheme and/or other reciprocal health agreements with countries specifically named. If you are in any doubt you should contact MAPFRE Assistance for advice before starting treatment.

EHIC applications forms are available from your local Post Office or online at https://www.gov.uk/european-health-insurance-card.

You may also apply for an EHIC by calling 0300 330 1350.

This insurance contract is between you and MAPFRE Asistencia trading in the United Kingdom under the name of MAPFRE Assistance, with registered office at 5th Floor, Alpha House, 24a Lime Street, London, EC3M 7HS; and corporate tax number 680/1807623857. MAPFRE Asistencia is authorised by the Financial Conduct Authority (FCA) to operate in the United Kingdom according to the right of freedom of establishment of the European Union and the European Economic Area (EAA) legislation.

Please read the following documents for the full details of your cover:

Policy Wording

Essential policies: Essential Policy Summary

Standard policies: Standard Policy Summary

Platinum policies: Platinum Policy Summary

The Annual Multi-trip policy allows you to take any number of round trips during the year, each up to a maximum of 31, 45 or 60 days long.

The Single Trip policy covers individual trips from 1 day up to a maximum of 122 days long.

We may be able to extend your trip length limit for an Additional Premium. Please contact our Customer Services to discuss your specific requirements.

No. Cover is only available for round trips starting from and returning to the UK.

Yes, if for any reason you are not satisfied with the terms and conditions of your cover; you may return the Policy and Schedule to us within 14 days of the date of issue for cancellation. Any premium paid will then be refunded, provided you have not started your holiday and you have made no claim.

No refund of premium is available after the 14-day period.

If you plan to go away more than once in the next year, you can save time and money with the Annual Multi-trip policy. With an Annual Multi-trip policy you may take any number of round trips during the policy period of cover up to a maximum duration of 31/45/60 days for any one trip.

The cover includes loss of deposit and cancellation charges, so it is essential you already have the cover in place when you book and pay your deposit.

The website includes Medical Screening questions which you and each person to be insured must answer during the first stage of the application process.

If you can answer NO to ALL four questions you can apply for cover.

If you answer YES to any of them you will be taken automatically through Medical Screening where you will be required to answer a series of questions. At the end of the process, you will be advised on what terms cover can be provided.

All persons to be insured should read the Medical Conditions and Material Facts Warranty carefully.

We highly recommend adding the extra options to increase the level of cover for those activities / gadgets that may not be included under the normal Terms and Conditions. Please check the Policy Wording for full details.

No, some activities are not covered. Please check the Policy Wording and Policy Summary for details:

Policy Wording

Essential policies: Essential Policy Summary

Standard policies: Standard Policy Summary

Platinum policies: Platinum Policy Summary

We include many activities as standard, but if you are going to take part in any hazardous activity, please check the list of our

Acceptable Activities.

If you are intending to take part in any activity not shown in the list that may be considered hazardous or require confirmation of whether your activity is insured, please contact us on 08450 555 222. We may be able to cover your activity as standard or in some cases for an Additional Premium.

Yes, the Europe Plus Travel Insurance policy entitles the insured person(s) to the use of a 24-hour emergency medical assistance service. This service is provided by MAPFRE Assistance who employ a team of trained multi lingual assistance co-ordinators.

Full details of the service they provide and how to contact them can be found in the policy documents:

Policy Wording

Essential policies: Essential Policy Summary

Standard policies: Standard Policy Summary

Platinum policies: Platinum Policy Summary

Full details of what you need to do to make a claim are shown in your Policy Wording on page 24.

Please note: You will be expected to follow the claims procedure shown in your Policy Wording, section 'How to Make a Claim' and to substantiate your claim by providing supporting documentation.

Policy Wording

Essential policies: Essential Policy Summary

Standard policies: Standard Policy Summary

Platinum policies: Platinum Policy Summary

No, travel insurance and private medical insurance are different things. Travel cover will look after emergency expenses if you are injured or ill abroad, but not the wide range of treatment expected with medical insurance.

Each person is separately insured, so all insured adults may travel independently. Children must always be travelling with an insured adult.

Please check our latest Emergency Travel Information for the Underwriter's advice which may affect your trip and cover.

You can also check the UK Government Foreign and Commonwealth Office travel advice.