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Frequently Asked Questions

The list of frequently asked questions below might help to answer any queries you may have. These relate specifically to Europesure policies.

Who underwrites the Policies?
For residents of the EU, EEA, and Monaco, cover is provided by Lloyd’s Insurance Company SA. For residents of the UK and Gibraltar cover is provided by Lloyds’ Syndicate, Canopius Managing Agents Ltd.
What is an Excess?
An excess is the first part of any claim that an Insured Person has to pay before the policy pays. Details of the excesses can be found in the Policy Wording
What is the maximum number of days that an Annual Policy covers?
Depending on your age and destination, an Annual Policy can be purchased to cover individual trips of either: 17, 32, 45 or 90 days. If you are aged between 66 and 79 the number of days per individual trip may be limited. Please see the Annual Multi Trip Travel Insurance for over 65s page. Unlimited trips can be taken during the policy period up to the maximum number of days per trip that you have purchased. All trips must begin and end in your country of residence.
Are Winter Sports covered under Annual or Single Trip Policies?
No, Winter Sports cover is an option on either Annual or Single Trip policies.
Up to what age does the child rate apply?
The child rate applies up to the age of 17 at the date of purchase of the insurance.
Can a spouse/partner or child included on an Annual Policy travel separately?
Any of the adults named on the Schedule can travel separately. But a child named on the policy must travel with at least one of the adults named on the policy.
When does Cancellation Cover commence?
Single Trip policy – Cover for cancellation of a trip commences at the time you book the trip or the policy is issued and the premium paid, whichever is the latter. Annual Multi Trip policy – Cover for cancellation of a trip commences at the time you book the trip during the Period of Insurance or at the start of the Period of Insurance, whichever is the latter. Cover for Cancellation ends when you leave your home or place of work, whichever occurs last, to start your trip.
Can I cancel my policy?
There is a Cooling-Off period of 14 days from the date of purchase, or the date you receive your policy, whichever is the latter, and providing you have not used the policy to travel and there has not been a claim or any incident that might lead to a claim, a full refund will be given.


If you have a Single Trip policy and wish to cancel outside the Cooling Off period, we will not refund any of your premium.


If you have an Annual Multi-Trip policy, and wish to cancel the policy outside the Cooling Off period, we will require 30 days’ notice of the intention to cancel in writing. Provided no claim has been paid or is payable and no incident has occurred, which could give rise to a claim under the Policy, a refund for the exact number of days that was left on the Policy will be paid. The premium for the period up to the date when the cancellation takes effect will be calculated and the portion of the premium for the unused days of cover remaining will be returned. However, in calculating the amount of premium to be returned there will be an additional charge to cover the administration cost of providing this Policy and this will be calculated as a minimum amount of one half of the portion of the premium to be returned or £50/€75 (according to the currency that the premium was paid in), whichever is the lesser. If a claim has been made during the period of cover provided, there will be no refund.
Am I insured for hazardous activities?
You are covered for a number of hazardous activities which are carried out on an occasional basis. For specific details refer to the definition of Hazardous Activities in the Policy Wording
What is the definition of a family?
On our Single Trip policies a family is defined as 2 adults and all dependent children up to the age of 17 at the date of booking the travel insurance. On our Annual Multi Trip policies a family is defined as 2 adults and up to 2 children up to the age of 17 at the date of booking the travel insurance. Any additional children are charged separately.
Am I covered for any pre-existing medical conditions?
We will not pay any claim directly or indirectly caused by or contributed to by any pre-existing condition known about at the inception date of travel. This exclusion shall not apply if such pre-existing condition has been without the necessity of medical Consultation or Treatment for 24 consecutive months, or 60 months in the case of heart-related and cancer-related conditions, prior to the commencement date of the Trip. Controlled blood pressure and non-inherited cholesterol conditions, where there has been no change in routine prescribed medication, for 24 consecutive months prior to the start of Your Trip, are not considered to be pre-existing conditions.
A Consultation is defined as: Any visit to a Medical Practitioner or hospital which is not routine and that may require further medical investigation.
A Treatment is defined as: Medical care given to a patient for illness or injury, which includes, but is not limited to, emergency or urgent care for the unexpected occurrence of a medical condition during Your Trip or any change in a routine or regularly prescribed medication by Your usual Medical Practitioner to manage or control a chronic or long-term medical condition before the start of Your Trip.
Am I covered for travel within my Country of Residence?
There is no cover for Section 2 Medical Expenses and Repatriation but cover applies under the other sections if Your Trip is away from Your home and at least two nights stay in pre-booked accommodation or involves a pre booked flight.
Do I have to pay my medical bills abroad?
If it is a small claim for medicines or minor treatment, you should pay the bills and submit the claim.
Can I reduce my premium by opting out of any covers?
Yes – you can reduce your premium by removing either medical expenses, repatriation and hospital benefit and/or cancellation cover and/or personal effects and baggage cover.
Can I insure my golf clubs?
Yes, under our Annual Multi Trip policies you can take out our optional golf cover which not only covers your golf clubs for loss and damage up to £1000 or 1500 Euros, but also covers you against loss of green fees.
In what currency can I pay my premium and what currency will apply to the benefits under my policy?
You can choose to pay your premium in either Euros(€) or Sterling(£). The currency in which you choose to pay your premium is the currency that will apply to the cover you have purchased, and in which a claim will be settled and the chosen excess applied. Your payment will be debited to your debit/credit card in the currency of the card used for the payment.
What should I do if I am not satisfied with the service?
In the unlikely event that you are not satisfied with the level of service provided, please follow the procedure shown on your Schedule of Insurance or click here.


If you have a question which is not answered here, please feel free to contact us at or telephone +44 (0) 1277 637585.