Travel Insurance

Yes, provided you are not traveling against doctor's advice. No cover is given under Sections 1, 2, 3, 4, 5 and 6 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery. Please refer to the terms and conditiond

Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used a EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver premium. The European Health Insurance Card (EHIC) can be used to cover any necessary medical treatment due to either an accident or illness within the European Economic Area (EEA). The EHIC entitles the holder to state-provided medical treatment within the country they are visiting and the service provided will be the same as received by a person covered by the country's 'insured' medical scheme.

The EHIC is the replacement for the E111. As of 1 January 2006, E111s are not valid.

How to Apply for the EHIC:

• At the Post Office® - Takes 21 Days - You can collect an application form and post it yourself or you can use the Post Office® Check & Send service, where they will check the application form and post the form off for you. This service offers the convenience, ease and reassurance that the form is completed correctly and the charge is £2 per application form. Your application should be processed within 21 days.
• By Telephone - Takes 10 Days - You can telephone the NHSBSA EHIC Application Line on 0845 606 2030. Your application should be processed within 10 days.
• Online - Takes 7 Days - You can use the NHSBSA website which can be found at https://www.ehic.org.uk/Internet/home.do to apply yourself or you can use the Portcreek EHIC Review and Forward service on this website. This service means that you will have the reassurance that all of your details have been checked by us for common mistakes made during applications and that we will contact you directly should we believe there will be any problems with your application which could delay it's processing. Your application will then be submitted to the NHSBSA by Portcreek on your behalf. The charge is £9.95 per application. Your application should be processed within 7 days.

1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip
This policy will not cover any claims under Section 1 (Medical Emergency & Repatriation) or Section 5 (Cancellation & Curtailment) arising directly or indirectly from a Pre-existing Medical Condition.

To Claim, phone Our Claims Helpline on 0844 3386224 and ask for a claim form. All claims must be submitted on a claim form, within 28 days of Your return, accompanied by original invoices, receipts, reports, etc. Please refer to the relevant Section of Your policy for specific conditions and details of the supporting evidence that Europ Assistance require. Please remember that it is always advisable to retain copies of all documents when submitting Your claim.

Any number of dependant children (including foster children) under the age of 18. (In full-time education and residing with you).

It is important that you read the policy carefully and agree to all the Terms and Conditions to make sure that the cover provided is suitable for you. The Terms and Conditions on the right hand side of this page.

Provided you have paid the Winter Sports extension, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the schedule of benefits. Activities covered are:
Big foot skiing
Cat skiing
Cross country skiing
Glacier skiing
Ice Hockey
Mono skiing
Off-piste skiing or snow-boarding (within local ski patrol guidelines)
Skiing
Sledging / Tobogganing
Snow-blading
Snow-boarding
Tobogganing / Sledging
The following Winter Sports are not covered under any circumstances:
Heli-skiing / Heli-Boarding
Luging / Bobsleigh
Ski acrobatics
Ski jumping
Ski racing

Please notify Europ Assistance immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (You should first check that the circumstances are covered by Your policy). Please contact Europ Assistance on the number shown below, giving Your name and Certificate number, please also provide a telephone, fax or telex number where Europ Assistance can contact You or leave messages at any time of the day or night.
To comply with the terms and conditions of the insurance You MUST contact Europ Assistance as soon as possible. You MUST obtain Europ Assistance's authorisation before incurring any expenses over £500. If you have treatment as an outpatient you must get a medical certificate showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a claim for these expenses on your return to the UK (please refer to Q4 "How do I make a claim?").

Each adult and all children can travel independently; however, children must be accompanied to and from the airport by an adult over the age of 18.

The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 31 days (45, 62 or 92 days if the appropriate additional premium is paid). If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. Winter Sports cover, for a maximum of 17 days in total for the whole year (24 or 31 Days if the appropriate additional premium is paid) and Business Cover, for a maximum of 30 days in total for the whole year, are available at an additional premium. Please contact Protect Your Bubble on 0844 8711332

Premier cover offers wider coverage & higher sums insured than Economy or Standard with lower Excesses.

Your policy can be emailed directly to your email address shortly after being issued, please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. Alternatively your documents can be delivered by post.

No Section of this policy shall apply in respect of any person who has reached the age of 80 years at the commencement of the Period of Insurance for Single Trip or Annual Muli-trip policies and in respect of any person who has reached the age of 64 years at the commencement of the period of insurance for Extended Stay policies. If you are outside this age range please contact Protect Your Bubble on 0844 8711332. 

You need to live in the UK (Great Britain, Northern Ireland, the Isle of Man and the Channel Islands) and have not spent more than 6 months abroad in the year prior to purchasing the policy. If you are outside this limit then please contact Protect Your Bubble on 0844 8711332

Scuba diving to a depth of 30 metres if you hold a certificate of proficiency or are diving with a qualified instructor. The policy can be upgraded to include scuba diving to a depth of 50 meters for an additional premium.

Single Trip policies
Annual Multi Trip policies with maximum trip duration of 31 days
Annual Multi Trip policies with maximum trip duration of 45 days
Annual Multi Trip policies with maximum trip duration of 62 days
Annual Multi Trip policies with maximum trip duration of 92 days
Extended Stay Policies
For Individuals, Couples and Families (including Single Parent Family)
Including optional covers for Winter Sports, Golf and Business Travel
Economy, Standard and Premier levels of cover

We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron and Delta. We are currently not able to accept American Express.

We are only able to accept cheques for policies over the value of £100. The policy will be set up when the cheque has been cleared through our bank. Please contact Protect Your Bubble on 0844 8711332

You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them Europ Assistance cannot make any payment to you. If you leave luggage and personal items unattended in a public place then Europ Assistance cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.

Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is £150.

At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip.
If your travel arrangements change then you must call Protect Your Bubble immediately on 0844 8711332 You must be able to provide the correct Period of Insurance on your documentation in the event of a claim.

Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.

Yes, provided you have paid the additional premium for the golf cover extension. Up to a maximum benefit limit of £1500 is payable with claims for a single club or item of Golf equipment limited to a maximum benefit of £500.

If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.

If your policy includes the Excess Waiver, you will not need to pay the excess on any claim. You can add the Excess Waiver on to your policy through the payment of the appropriate additional premium. Please contact Protect Your Bubble on 0844 8711332.

If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland, we would advise you to obtain a Form CM1 from your local main Post Office. On returning this duly completed to the main Post Office, you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.

We can change your policy within 14 days of purchase, after this you will only be able to make administration changes such as departure / return dates, extend the policy to cover Special Sports & Activities or upgrade the benefit levels within the policy. Please contact Protect Your Bubble on 0844 8711332.

Camel riding
Catamaran sailing (if qualified)
Clay pigeon shooting
Dinghy Sailing
Go Karting (within organiser's guidelines)
Jet boating (no racing)
Jet Skiing (no racing)
Paint Balling (wearing eye protection)
Rifle range shooting
Sailing/ yachting offshore (recreational, no racing)
Shooting (within organiser's guidelines)
Skidoing
Small bore target shooting (within organiser's guidelines)
War games (wearing eye protection)
Yatching (if qualified)

American football
Climbing up to 4000 meters
Dry slope skiing
Endurance tests
Fives
Football - American
High altitude trekking
Hiking / trekking / walking (above 4000 meters)
Hockey
Lacrosse
Langlauf
Organised safari with guns
Outdoor endurance events
Parascending - over land
Rugby
Sand dune surfing / skiing
Scuba diving between 30m - 50m (within organiser's guidelines)
Speed skating
Street Hockey (wearing pads and helmets)
Summer tobogganing
TrampoliningTrekking high altitude
White water canoeing (up to grade 4 only)

Adventure racing
Base Jumping
Biathlon
Big game hunting
Black water rafting
BMX riding :stunt / obstacle
Bouldering
Boxing
Canyoning
Cave tubing
Caving and Pot holing
Climbing over 4000 metres
Cycle Racing
Cyclo cross
Drag racing
Flying (except passengers in licensed passenger aircraft)
Free Mountaineering
Hang gliding
Harness racing
High diving (over 5 metres)
Hunting (Fox / drag)
Jousting
Judo
Karate
Kendo
Manual work
Martial Arts
Micro Lighting
Modern pentathlon
Motor Cycle racing
Motor racing
Motor rallying
Mountaineering (over 4000 metres)
Parachuting
Paragliding / parapenting
Parapenting / paragliding
Pot Holing / Caving
Powerboat racing
Power Lifting
Professional Sports of any kind
Quad Biking
River bugging
Rock Climbing
Rock Climbing using ropes and guides
Rodeo
Roller hockey
Shark diving (in cage)
Skydiving
Speed trail / time trail
Time trail / speed trail
Triathlon
Water ski jumping
Weight lifting
Wrestling