Travel insurance FAQs

You can contact us by phone, live chat and email. Our customer service team is available Monday to Friday from 09:00 until 17:00. All the details you need are on our Contact Us page.

Yes - it's a simple step-by-step process that takes just a few minutes. Get started here.

The excess is the amount you will contribute to receive your insurance pay out in the event of a successful claim. Charging an excess allows us to keep our premiums low for all customers. Under most sections of our policy, the excess is just £50 per insured person. An additional medical excess may be payable when declaring certain pre-existing health conditions.

All the information you need for making a successful claim is on this page.

Our policies are built around flexibility. You can choose between single trip, annual multi trip or backpacker/longstay policies. Each type of policy has different tiers of cover - allowing you to choose the level of protection that's best for your budget and your plans. We also offer thoughtful extras such as gadget cover, cruise cover and winter sports cover. Explore your options here.

Business, leisure or pleasure. Whatever your reason for travel, it doesn't make a difference to the cover we offer.

You can add gadget cover to your policy during the quote process. Or call us on 0345 90 80 161.

Your policy documents will be emailed to you once you have completed your purchase. If you don't receive them, your documents may have ended up in your spam folder. If you need your documents to be resent, get in touch with our customer service team.

Sometimes change is inevitable. We will happily look to make any necessary adjustments to your policy - whether it be the destination, dates of travel or cover limits. Please get in touch with our customer service team here.

We can only provide cover if you have not yet departed the UK. However we work with a number of specialist partners who should be able to help you. Find out more.

We can only cover trips that depart from and return to the UK. However if you haven't yet arranged your return to the UK, we may be able to connect you with an insurer who can cover you. Find out more.

Yes! Our policies include complimentary cover for more than 150 sports and activities as standard. Find out what activities you are covered for here.

Absolutely! Our winter sports extension is available for trips of up to 31 days in duration and covers skiing, snowboarding and more - with thoughtful benefits such as cover for your equipment, off-piste runs and piste closure. Just add our winter sports extension when getting your quote.

To be covered for a cruise holiday you must add the cruise extension to your policy when arranging your quote. Alternatively you can add cruise cover to an existing policy by calling our customer service team on 0345 90 80 161.

We define a cruise as a trip involving a sea voyage of more than 3 days in total duration, where transportation and accommodation is primarily on an ocean-going passenger ship.

Our Premier travel insurance policy offers up to £5,000 cancellation cover per insured person.

Yes, with World First you can go anywhere, anytime - as long as the Foreign, Commonwealth & Development Office (FCDO) isn't advising against travel to your destination. You can find the FCDO's latest advice for 226 countries and territories here.

Unfortunately we are unable to provide cover for non-UK residents. However we work with specialist partners who may be able to help you. You can find out more on here.

Yes, we are specialists in medical travel insurance. Our medical screening system allows us to find out more about your condition and how it's managed - helping us to provide cost-effective cover to travellers who may have been turned away elsewhere. Subject to screening we can offer cover for thousands of medical conditions - including asthma, high blood pressure, cancer, heart disease and diabetes. Here's a little more about what makes us different.

Yes, but it won't take long and is easy to complete - you can even do it online. Our screening process consists of a series of questions about your medical history and how your conditions are managed. The questions are a little more detailed than you might have found with other insurance providers, but it allows us to make sure you get the cover that's right for you and your holiday. You can complete the screening online or over the phone with one of our experienced customer service representatives. It should take no longer than ten to fifteen minutes. And you will receive your quote as soon as your screening is complete.

Don't worry. Just give our customer service team a call on 0345 90 80 161 and one of our representatives will be happy to help you. We provide cover for lots of rare conditions. And if we can't cover you on this occasion, we should be able to refer you to a specialist that can.

In many cases we can cover pre-existing medical conditions without any addition to your premium. When that's not possible we keep costs as low as we can. It's not unusual for our customers to save hundreds of pounds with us after trying other travel insurers. Find out how.

You may have to cancel your holiday or trip due to the poor health of an immediate relative, travelling companion or someone you are planning to stay with. To be covered the insurer will require confirmation in writing from a medical practitioner that when you purchased your policy or booked the trip the non-insured party was not seriously ill in hospital or receiving palliative care and there was no reason to expect their state of health to deteriorate so much that you would need to cancel.

Yes please. We will need to update your policy to make sure you still have all the cover you need for your holiday. Otherwise your entire policy may become invalid. Find a convenient way to get in touch with our customer service team here.

Contact us as soon as you can so we can help you get the care you need. All the information you need is on this page.

Our policies provide up to £10,000,000 cover for medical costs - including the cost of repatriation where medically necessary and authorised by the Emergency Assistance Service.

We can cover travel lovers aged up to (and including) 100 years old. Find out more about our single trip policies.

For travellers aged 69 or below, we can cover up to 186 days per trip. However we can provide cover for people aged up to 100 for up to 31 days or more - depending on your specific age. Find out more about our single trip policies here.

No, we cannot provide a policy for anyone aged under 18 to travel separately from the named adult(s) on a policy.

With our single trip policies, you set the start and end dates of your cover while arranging your quote. However your cancellation cover becomes active as soon as you have purchased your policy - so if something changes in the run up to your holiday, you won't be left out of pocket.

We have four tiers of cover - ranging from Economy to Premier - that give you the freedom to choose the level of cover that's right for you, your budget and your travel plans. You can further personalise your policy with our range of optional extras - including cruise cover, gadget cover and winter sports cover.

We can offer annual policies for travel lovers aged up to (and including) 79 years old. Find out more about our annual policies here.

With our annual policies you can travel as many times as you like for a whole year - for up to 31 days per trip. We also offer an option to extend annual policies to 60 days per trip for travellers aged up to 75. Let's get out there.

Of course, that's one of the perks of an annual policy. Any adult traveller named on your policy will be covered for a whole year of travel - whether they are travelling alone, with other people named on the policy or with a separate group.

For solo travel we can only insure people who are aged 18 and over.

When you arrange annual cover, you can choose for your cover to begin anytime in the next 31 days. That includes the cancellation portion of your policy. So if you have any holidays that are already booked, you may wish to bring the start date of your policy forward to make sure you are protected if something unexpected forces you to cancel your holiday between now and your date of departure. Your policy start date will be marked on your policy documents. You can bring it forward by getting in touch with our customer service team here.

We have four tiers of cover - ranging from Economy to Premier - that give you the freedom to choose the level of cover that's right for you, your budget and your travel plans. You can further personalise your policy with our range of extras - including cruise cover, gadget cover and winter sports cover.

These policies are available to travel lovers aged up to (and including) 55. Find out more about our backpacker and longstay policies.

Ready to see the world? Our backpacker and longstay policies give you the freedom to travel for up to 558 days. That's a lot of exploring.

Not necessarily! But if you don't have return travel booked, then in the event of claims for certain circumstances such as curtailment, or missed departure and connections outside the UK, the costs for returning home will not be covered by your policy.

You will be covered for cancellation from the moment you pay your premium.