This is not a private health insurance policy. The Insurer will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and the Insurer reserves the right to organise a transfer from a private medical facility to a public medical facility where appropriate.
If you are taken/or go to a private medical facility, costs that arise will only be covered if you have contacted the emergency medical assistance company and any treatment has been authorised by them.
Single Trip insurance gives cover for one sole journey of a specified number of days.
This policy is available to UK residents up to a maximum of 365 days if you are aged up to 55 years old. If you are between 56 and 79 years old single trips are limited to 90 days. If you are between 80 and 84 years old single trips are limited to 21 days.
We cover travellers up to the age of 84. Customers older than these limits can be covered under our Goodtogoinsurance.com travel insurance. Visit Goodtogoinsurance.com for a great value quote including the option to add pre-existing medical conditions.
An insurance policy which gives cover for unlimited trips during a 12 month period.
Our annual policy offers a choice of cover for Europe or Worldwide with unlimited trips of up to 32 days each trip or 45, 62 or 90 days per trip if you have purchased the respective optional trip extension (available to those aged 64 and under only).
All persons on an Annual Multi-trip policy can travel independently of each other.
Winter Sports insurance gives travel and medical cover when you are away skiing or snowboarding. Other winter sports may also be covered, please refer to your policy wording for a full list of covered activities. Up to age 64 only.
Yes (within local ski patrol guidelines), so long as your have paid the additional premium to add Optional Winter Sports to your policy.
A couple is any two adults of any gender living together at the same address, for more than 6 months.
Unfortunately not with this policy. However contact our friendly call centre on 01293 855793 and we will help where we can, or visit Goodtogoinsurance.com travel insurance for a great value quote including the option to add pre-existing medical conditions.
Yes, this is possible subject to no claims pending. Call us on 01293 855793. The only exception to this is excess waiver which can only be purchased when you initially buy the policy. We will charge an administration fee of £5 if you require an amendment to your policy once it has been purchased.
If you select 'Your Home Country' as your destination it means that your travel insurance policy will be priced for travel within your country of residence. This country must be within the UK.
All our policies cover some hazardous activities such as water skiing and scuba diving. See policy wording for a full list.
This is the amount that the insurer will deduct from your claim payment under specific sections of the terms of the insurance policy at the time of finalising an agreed claim. See the cover details for your chosen policy for details. An excess waiver that removes all excess charges is offered on some policies for a small extra fee.
Cover levels and Excess charges quoted in the policy and on the website are per person not per policy.
Just read the policy document to find the details of the claims office and phone number. Proof of loss and purchase/ownership of lost items will be needed to progress your claim.
Medical emergencies are handled by contacting the 24-hour Emergency Assistance team at the time of a medical emergency (or within 48 hours).
The travel policies include cover for some pre-existing medical conditions. You must meet the medical criteria shown in the policy and then you will be covered for the conditions shown on the policy at no extra cost. If you don’t meet the criteria, or you need any help or advice then phone our helpline on 01293 855793.
MRL obtains rates and cover details from leading underwriters who look at past annual industry wide statistics to see where the claims have come from. In general, the older the age group, the higher the claims paid out so prices and excess levels reflect this performance.
Policy Age limit is up to 84 for Single Trip policies and 74 for Annual Multi-trip policies customers older than these limits can be covered under our Goodtogoinsurance.com travel insurance. Visit Goodtogoinsurance.com for a great value quote including the option to add pre-existing medical conditions. Winter Sports is only available up to the age of 64.
All our policies offer you a choice. Many people already have their personal effects covered on an 'all-risks' part of their home and contents insurance. In all cases expensive and valuable items should be covered under your household policy - please check with your household insurers.
You would be covered for medical expenses and personal accident should you be injured due to an act of war or terrorism but no other cover applies.
Our Travel Insurance Help-Desk is available Monday - Friday 10am - 5pm on 01293 855793.
We will send your policy documents by email. However, if you wish to also receive the documents by post there is a small handling charge.