post office travel insurance existing claim

Post Office Travel Insurance: A Getting Started Guide from the Experts!

The Post Office is regarded as the largest retail network in the UK as well as the largest financial services chain that’s been there for more than 370 years. However, apart from that, the company also offers insurance products, one of which is the post office travel insurance.

In this article, we’re going to talk about everything you need to know which regard to this particular travel insurance. But before that, let’s have a look at the achievements of the Post Office regarding insurances.

What is the Post Office?

Post Office has been voted the “Best Travel Insurance Provider” for 9 straight years starting from 2006 to 2015. Apart from that, it also received the Silver award from the British Travel Awards in 2016 and 2017.

As a massive network, the Post Office offers a wide range of options when it comes to their insurance policies. One of them is the rudimentary budget cover through the Super Economy Travel Insurance. There’s also the Premier Plus policy which provides complete coverage.

Primary Insurance Policies Offered

There are three main types of travel insurance policies offered by the Post Office, namely annual multi-trip, backpacker travel cover, and single trip.

Let’s have a breakdown of each of these policies:

Single Trip

The single trip insurance will provide coverage depending on your age when you obtain your insurance policy. The Post Office website states that those who are below 71 will be covered 365 days per trip. Meanwhile, those who are 71-75 will be covered 90 days and individuals 76-85 are only covered for 31 days.

As the name implies, a single trip policy will cover for you if you plan to take a single trip in the near future.

Annual Multi-trip

The multi-trip policy allows you to spread your trip abroad using a voluntary add-on. You can receive coverage of around £10 million for a medical emergency. They also have a 24/7 medical emergency helpline available.

This policy is perfect if you plan to travel several times a year without having to go through the hassles of obtaining concealment every single time.

For the single and multi-trip policies, there are five different levels available.

Here’s a detail detailing these levels alongside other important details:

All of the levels come with a personal liability cover ranging from £1-3 million. However, the Super Economy comes with various extras like death, personal accident, personal money, hospital benefits, and passport cover.

Backpacker Travel

The backpacker travel insurance is designed for backpackers who are price aware. As such, the Post Office provides two coverage options for them: Economy and Super Economy.

The two policies will provide coverage for up to 18 months. Moreover, you can come back home 3 times within a span of seven days. However, you have to keep in mind that the coverage doesn’t apply if you’re in the UK.

This is often the best option if you plan an adventure trip as it covers you from sharks to safaris and more. The policy can be availed of by anyone between 18 and 60 years old. You can also avail of additional cover for business, cruise, golf, and winter sports and add any of them in the above policies but for an extra cost.

Other Policies Offered

Apart from the major insurance policies offered by the Post Office, there are also several other policies which are as follows:

This is perfect for individuals who plan to go on a golfing holiday . Through this policy, you can enjoy the following:

• Protection in case you can’t play due to injury or poor weather
• Coverage against injury personal liability cover and while playing
• Coverage for your golfing equipment against theft

Cruise Cover

If you plan to enjoy the luxury of a cruise, then this policy is for you. It protects you from any unforeseen risks that might come along with cruise holidays. It comes with the following features:

• Coverage for a delayed transport
• Coverage for damage or stolen evening dress
• Replacement of any lost or misplaced damaged

Winter Sports Cover

Winter sports do come with their own risks, but this policy will ensure that you can still have fun despite that. It comes with the following inclusions:

• 24/7 medical assistance
• Coverage for sports like ice skating and snowboarding
• Protection from any injuries
• Protection for a damaged or stolen equipment

Worldwide Cover

This policy ensures that you won’t suffer from any issues with your insurance when you go traveling around the world. It comes with the following features:

• Emergency repatriation
• 24/7 medical emergency helpline
• Replacement for lost or stolen documents
• Financial coverage for medical treatment in the event of injury or illness when traveling

Pre-Existing Medical Condition

Post Office’s coverage for a pre-existing medical condition ensures that you can get to have fun and enjoy life despite your condition. It includes the following features:

• Quick and easy repatriation
• Treatment monitoring
• Payment for any medical expenses while you’re traveling

Family Cover

This is the perfect policy if you plan to travel together with your policy. This will allow you to avoid any hassles that come with obtaining individual policies for each of your family members. It includes the following:

• Maximum of £10 million emergency medical coverage in the event of injury or illness while traveling
• Assistance during a vehicle breakdown missed departure or delayed public transport

Cost and Coverage

One of the main reasons why the Post Office travel insurance has managed to outdo most of its competitors in the market is its very cheap cost. In fact, it has the cheapest insurance quotes available on the market.

When it comes to coverage, Post Office covers all basic forms of coverage including property damage, comprehensive coverage, and bodily injury liability among others. However, you can also gain access to special kinds of coverages that are exclusive to Post Office travel insurance members.

These special coverages come in the form of emergency road service, rental reimbursement, and mechanical breakdown insurance.

Policy Exclusions

These are the general exclusions that apply to any of Post Office’s travel insurance policies:

• Claims due to war or act of terrorism
• Traveling for the purpose of receiving treatment overseas
• Traveling without heeding the advice of a medical professional
• Personal injury caused intentionally
• Taking part in an organized sports competition

Other Important Information about the Post Office Travel Insurance

• Apart from providing coverage for any personal injury or illness sustained while traveling abroad, the Post Office will also offer guidance, assistance, and advice regarding legal proceedings and obtaining proper compensation.
• When applying for any of their travel insurance policy, you can also choose to add an Excess Waiver. This will allow you to reduce your excess to zero, thereby removing the need to contribute to the cost of your claims. However, be prepared to spend an additional cost for this.
• Even though there are only a few travel insurance providers that cover business travel, the Post Office’s policy will provide coverage for business travel that can greatly help professionals abroad. This policy will provide coverage for emergency couriers, employee replacement, equipment hire, computer equipment, and business money. This is only optional.
• Not all optional cover types can be added to every policy type. Only the Cruise cover is applicable for the Premier and Premier Plus policies. Meanwhile, the Golf and Business cover is only applicable to Standard, Premier, and Premier Plus.
• Various holiday activities and sports will be covered by the Post Office under the Standard policy. However, riskier activities like sailing and jet skiing won’t be covered for any personal accident claims.

Are there any special policy rules for pregnant women who travel?

There are certain limitations for pregnant women who want to travel.

In line with the Complications of Pregnancy and Childbirth policy, coverage for pregnant women will only include the following:

• Ectopic pregnancy
• Emergency Caesarean sections and medically necessary termination
• Gestational hypertension
• Hydatidiform mole
• Hyperemesis gravidarum
• Placental abruption
• Placenta praevia
• Pre-eclampsia
• Postpartum hemorrhage
• Retained placenta membrane
• Stillbirths and miscarriage
• Premature births more than 8 weeks before the expected delivery date

Will the policy provide cover during a war or terrorist act?

Unfortunately, you won’t be covered for any terrorist act that doesn’t involve the use of chemical agents and nuclear weapons.

How many people are included in a family?

A family can either consist of a couple or a group consisting of up to 8 travelers.

It can also include a person with his/her partner, dependent children, and dependent grandchildren below 18 years of age. Keep in mind that you will have to pay the appropriate premium for this.

Wrapping Things Up

Post Office is one of the leading health insurance companies in the UK. With their wide range of travel insurance policies, you will be able to enjoy peace of mind as you go traveling into other countries.

The best part is, the policies offered by the Post Office are one of the most affordable options currently on the market.

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Your Complete Guide to Post Office Travel Insurance

Whether you’re planning a dream vacation abroad or simply visiting family in the country, unexpected events such as lost luggage, flight delays, or medical emergencies can ruin your trip. Comprehensive travel insurance can provide peace of mind and financial protection in the event that something goes wrong. In the United Kingdom, the Post Office provides competitively priced travel insurance policies that can be purchased online or in person. This article will explain what Post Office travel insurance offers, what it covers, how much it costs, how to purchase it, and whether it’s the best option for your next trip.

Table of Contents

What is the Post Office’s Travel Insurance?

Post Office travel insurance offers financial protection and assistance to UK residents before and during domestic and international trips. It covers the costs of emergency medical care, trip cancellations or delays, lost or stolen items, and other travel-related incidents. The Post Office collaborates with an established insurance provider to provide four levels of coverage based on trip duration:

• Single trip coverage for holidays of up to 120 days.
• Annual multi-trip coverage includes unlimited trips of 31 days or less.
• Long-term coverage for trips lasting between 31 and 550 days.
• Backpacker cover for extended trips up to 550 days for travelers aged 50 or younger.

The Post Office travel insurance plans are designed to be affordable while still providing adequate protection for the majority of holiday scenarios. Certain hazardous sports and activities may necessitate additional coverage for full protection.

What Does the Post Office Travel Insurance Cover?

Post Office travel insurance covers several standard categories with varying benefit limits depending on the plan selected. Here are a few of the main topics covered:

• Emergency Medical Expenses – Provides coverage for hospitalization, surgery, ambulances, prescriptions, and other medical expenses if you become injured or ill while traveling. This is the most important coverage to have internationally, where high healthcare costs are common.
• Cancellation or Curtailment – Reimburses prepaid travel expenses such as flights and hotels if you must cancel or shorten your trip due to illness, injury, death in the family, or other covered reasons. Allows you to recoup some of your lost money.
• Delayed or Missed Departure – Provides benefit payments if your travel is delayed for more than a specified number of hours due to covered reasons such as severe weather, strikes, equipment failure, or public transit delays beyond your control. Missed departure also includes additional transportation/lodging costs incurred as a result of issues that prevented you from arriving at the departure point on time.
• Personal Possessions and Baggage – Covers the cost of repairing or replacing items lost, stolen, or damaged while traveling, up to the specified item and benefit limits. Covers items such as luggage, clothing, jewelry, electronics, phones, valuables, and more, with some exceptions.
• Personal Money – Replaces stolen or lost cash, traveler’s checks, or money orders that were directly caused by a burglary, mugging, or robbery while on the trip. Provides additional security when carrying money for vacation purposes.
• Personal Accident – Provides a lump sum cash benefit if you die or lose limbs or sight as a result of an accident while traveling. Helps to mitigate tragedy during trips.
• Personal liability insurance covers legal fees and compensation if you cause accidental injuries to others or damage to their property while on a trip. Protects against third-party liability claims.
• Legal Expenses – Pays for legal consultation fees if you need to file compensation or damages claims against third-parties for events like: injuries/death of insured, hospitality contractual disputes like hotel/restaurant/car rental, issues around property damage/loss, or wrongful arrests during travels.

Aside from the core coverage sections above, Post Office policies may include additional benefits such as:

• Scheduled airline failure coverage
• Hijacking protection
• Pet Care Fees
• Home emergency reimbursement.
• Hospital Benefit Payments
• Golf Equipment Cover
• Replacement driver coverage.

The Post Office travel insurance aims to provide comprehensive protection suitable for the majority of common holiday scenarios. However, additional modules may be required for full coverage of certain high-risk activities.

How Much does Post Office Travel Insurance Cost?

As a general guideline, Post Office travel insurance costs around £9 for single-trip European coverage and up to £72 for worldwide coverage on longer annual multi-trip policies. However, costs can increase significantly when you consider:

• Worldwide coverage typically costs 50-100% more than European-only cover.
• Annual multi-trip policies are more costly than single trip coverages.
• Longer trip durations raise premiums.
• Older travelers pay higher than younger travelers.
• Adding additional modules increases costs.
• Pre-existing medical conditions incur significant costs.

To help estimate pricing more accurately, get an instant online quote based on your trip details and options. Prices vary greatly based on individual circumstances, so customized quotes provide the most accurate premium estimates.

Generally, Post Office travel insurance costs are very competitive in the UK market. The cost is reasonable when compared to similar plans from Provident Insurance, Swinton, LV, Saga, and other major providers. Those with pre-existing conditions can also compare quotes from insurers that specialize in high-risk cases, such as Freedom Insurance, InsuranceWith, and Staysure. In most cases, the Post Office plans provide comprehensive coverage at a reasonable cost.

How to Purchase Post Office Travel Insurance.

Purchasing Post Office travel insurance takes only a few minutes online or at a local Post Office branch.

Online Purchasing Process:

• Visit: www.postoffice.co.uk/travel-insurance.
• Click the “Start Quote” button.
• Answer basic travel questions.
• View quote and customize cover.
• Enter personal/medical information.
• Pay securely online with your card.

The online process is quick and easy, allowing you to purchase appropriate coverage 24/7 based on your specific travel plans.

In-Branch Purchasing Process:

• Visit the local Post Office branch.
• Discuss your needs with the staff.
• Select a suitable cover option.
• Complete the application form.
• Pay policy premium at the counter.

Purchasing cover in-branch allows you to discuss your specific needs with knowledgeable staff. They can recommend comprehensive products that are tailored to your specific trip needs.

Regardless of how you choose to purchase, the Post Office travel insurance plans provide dependable coverage for your travels at competitive rates. Their recommendation status from Defaqto, an independent researcher, adds to their quality coverage offering, which is suitable for the majority of holiday scenarios.

Is Post Office Travel Insurance right for you?

Finally, determining whether Post Office travel insurance fits your needs is based on a few key factors:

• Does your trip require global or European coverage?
• Is your trip duration appropriate for single, multi-trip, or long-stay policy structures?
• Does the included coverage have sufficient benefit limits for your risk tolerance?
• Can you cover any pre-existing medical conditions at a reasonable additional cost if necessary?

Does the price fit within your insurance budget?

If you can answer “yes” to these questions and obtain a suitable quote, Post Office travel insurance will most likely meet your protection requirements!

Many UK residents who plan regular vacations within Europe or elsewhere find that the Post Office travel insurance plans meet all of their needs. The coverage is comprehensive but reasonably priced, and it is backed up by a well-established national insurance partner.

Ultimately, obtaining travel insurance should relieve stress rather than add to it. Travellers can now enjoy peace of mind by purchasing quality coverage online or at trusted local Post Office branches, allowing them to focus on making the most of their upcoming adventures!

Getting caught without insurance while traveling can have disastrous financial consequences from minor mishaps. Post Office travel insurance provides strong UK-based protection, allowing you to explore the world with confidence. Their policies provide comprehensive coverage at reasonable prices for holidays of varying lengths and destinations. Understanding what Post Office insurance includes and excludes will allow you to determine whether it meets your needs before embarking on your next journey. The simple online quoting and purchasing process makes obtaining coverage an easy decision that adds security rather than hassles to your upcoming travel plans. 

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Post Office Travel Insurance – Everything You Need to Know

Written and researched by Michael Kays (Travel Insurance Expert) | Fact Checked by Danya Kristen (Insurance Agent).

We see your suitcase is packed and your passport is ready. But before you dash off to your dream destination, let’s talk about that non-negotiable travel buddy: insurance.

Not just any insurance, but Post Office Travel Insurance. Here’s everything you need to know.

In this article...

Post Office Travel Insurance: An Introduction

Post Office Travel Insurance isn’t a boring old postal service. It’s a lifeline for travelers, offering a safety net across the globe. It’s been awarded the ‘Best Travel Insurance Provider’ by the British Travel Awards for 12 consecutive years – pretty impressive, right?

Their policies are designed to cover various unexpected events during your journey, from medical emergencies to travel disruptions.

Recommended Plans

✅  Atlas America

Up to $2,000,000 of Overall Maximum Coverage, Emergency Medical Evacuation, Medical coverage for eligible expenses related to COVID-19, Trip Interruption & Travel Delay.

✅  Safe Travels Comprehensive

Coverage for in-patient and out-patient medical accidents up to $1 Million, Coverage of acute episodes of pre-existing conditions, Coverage from 5 days to 364 days (about 12 months).

✅  Patriot America Platinum

Up to $8,000,000 limits, Emergency Medical Evacuation, Coinsurance for treatment received in the U.S. (100% within PPO Network), Acute Onset of Pre-Existing Conditions covered.

Decoding the Types of Post Office Travel Insurance

Here’s the good news: Post Office Travel Insurance isn’t a one-size-fits-all policy. They offer different types of cover to suit your unique travel needs. Here’s a quick run-through:

• Single Trip Insurance: Perfect for one-off adventures, this covers you for a single holiday or business trip.
• Annual Multi-Trip Insurance: If you’ve got a severe case of wanderlust and plan multiple trips in a year, this policy has got you covered.
• Backpacker Insurance: Designed for the intrepid globetrotter, this policy covers long trips and even working holidays.
• Over 50s Travel Insurance: Tailored for travelers over 50, this policy offers comprehensive cover and no upper age limit.
• Family Travel Insurance: A policy that protects the entire family under one umbrella. It often includes free cover for children.

The Perks and Protection: What’s Covered?

A key part of choosing your travel insurance is understanding the cover provided. Post Office Travel Insurance offers protection against:

• Medical Emergencies: From sudden illness to injury, your medical expenses are covered. This includes hospital fees, transport, and even a return journey if needed.
• Cancellation and Curtailment: If you have to cancel or shorten your trip due to unforeseen circumstances, you’re protected against any financial loss.
• Baggage Loss: Say goodbye to worries about lost luggage. If your baggage goes on an adventure of its own, the Post Office has got you covered.
• Travel Delays: Stuck at the airport due to delayed or cancelled flights? You’re eligible for compensation.
• Personal Liability: If you cause harm to someone or their property, the policy has got your back.

Remember, it’s crucial to read the policy document carefully to know exactly what’s covered.

Post Office Travel Insurance vs Private Travel Insurance: Comparison

Of course, the Post Office isn’t the only game in town when it comes to travel insurance.

There are plenty of private companies offering competitive policies. So how does Post Office Travel Insurance stack up against them? Let’s have a closer look.

Post Office Travel Insurance

Post Office Travel Insurance shines in its comprehensive coverage . It’s a solid choice for many travelers, thanks to its broad variety of plans , from single trips to annual multi-trips.

Here’s a snapshot of what makes it stand out:

• Range of Policies: With policies tailored to backpackers, over-50s, families, and frequent flyers, the Post Office caters to a wide demographic of travelers.
• Broad Coverage: They provide extensive coverage, including medical emergencies, cancellation, curtailment, lost baggage, and travel delays.
• Ease of Application: The application process is user-friendly and straightforward, with the ability to apply directly through their website.

Private Travel Insurance Companies

Private travel insurance companies, like World Nomads and Allianz Travel, bring their unique strengths to the table. Here’s what they offer:

• Specialist Coverage: Some private companies specialize in certain types of coverage. For example, World Nomads is renowned for its adventure travel insurance, covering over 200 adventure activities.
• Flexible Policies: Many private insurers offer the flexibility to extend your coverage or adjust your policy even after your journey has begun.
• Additional Benefits : Some private insurers offer extra perks. For example, Allianz Travel provides coverage for rental car damage or theft as part of their policies.

In the end, the best travel insurance for you will depend on your individual needs and travel plans. It’s important to closely examine each policy’s offerings, exclusions , and price before making a decision.

While Post Office Travel Insurance offers a one-stop-shop solution with policies for every type of traveler, private insurers may provide more specialized coverage or added flexibility.

Be sure to weigh your options carefully to choose the policy that’s the perfect fit for your journey.

Easy-Peasy Application Process

Applying for Post Office Travel Insurance is as breezy as a walk in the park. Simply hop onto their website, choose your policy, fill in your travel details, and hit apply. You’ll then receive a quote. If you’re happy with it, proceed to payment. Boom! You’re insured.

The Final Word

Post Office Travel Insurance is all about taking the worry out of your wanderlust, offering a safety net that lets you savor your adventures fully. And remember, always travel insured because no trip should be a gamble.

1. Is Post Office Travel Insurance good?

With numerous awards under its belt and a wide range of comprehensive policies, Post Office Travel Insurance is certainly a strong contender in the market. However, as with any insurance, ensure it fits your personal needs before purchasing.

2. How do I make a claim with Post Office Travel Insurance?

Making a claim with Post Office Travel Insurance is straightforward. You can make a claim online on their website, or call them on their claims line. Remember, always have your policy number and relevant documents handy when making a claim.

3. Can I get a refund if I don’t use my Post Office Travel Insurance?

If you cancel your Post Office Travel Insurance within 14 days of purchase and haven’t made a claim or started your trip, you can receive a full refund. After 14 days, the refund policy may vary.

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What is an excess and how do I pay it?

Created by Stephen Southern, Modified on Thu, 27 Jul 2023 at 04:19 PM by Stephen Southern

What is an excess?

An excess is the first part of a claim that you have to pay yourself.   

For example, if your policy has an excess of £100, and you have a claim worth £300, we'll pay £200.

How much is the excess?

You'll find your excess amount in your policy terms and conditions.  

Some policies have an option that you can buy so you don't have to pay the excess when you claim from your insurance. This is called an  excess waiver . 

How do I pay the excess? 

Often, there's nothing for you to do - we'll take the excess before paying your claim.

If we're paying a medical provider directly, we'll be in touch to talk through how you can pay the excess.

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How to File a Travel Insurance Claim

W hen it comes to travel, there are generally two types of people: people who cannot travel as it is too expensive and those who budget $4,000 per year for vacations, according to Forbes. Travel is costly, so people often purchase travel insurance to safeguard their financial investment from unforeseen events like illnesses, luggage delays, personal emergencies, and more.

When policyholders pay honest money for an insurance policy to offer protection, they want to be able to reap the benefits of the travel insurance claim. If your travel insurance company has denied payment, our tips on how to properly file a travel insurance claim may be helpful.

Why Buy Travelers Insurance?

Travel is generally less stressful with vacation insurance — it is packaged as a wise investment that can protect you against financial losses due to unexpected events. For instance, the U.S. State Department highly recommends international travel trip insurance as Medicare and Medicaid often do not cover overseas medical costs.

The travel insurance premium is relatively small compared to the non-refundable trip costs you could lose in a bad situation. It is particularly worth it if your trip involves non-refundable costs, international travel, or travel to a remote area with limited healthcare facilities or regions prone to natural disasters.

Some of the primary reasons people buy trip insurance are to help offset:

• Emergency medical services and treatment
• Cancellations due to a sudden illness or serious health condition
• Emergency evacuation
• Loss of a friend or family member
• Compromised destinations
• Delayed or lost luggage
• Trip interruption or cancellation

What Is Not Covered By Travel Insurance?

The best insurance policies cover basic and common travel risks and bundle different coverage types related to trip cancellation, medical issues, luggage or trip delays, and more. Travel insurance is not meant to cover all foreseeable events, and every policy will address exclusions differently. Examples of potential limitations are:

• Tropical storms, hurricanes, and other dangerous weather conditions
• Certain medical issues
• Acts of war
• High-risk behavior involving drugs, unlawful acts, or riots
• Government-imposed restrictions

Travel insurance claims submitted without proper documentation or cancellation for reasons not covered by your travel policy are surefire ways to prevent coverage and reimbursement. This is why it is helpful to understand travel insurance coverage properly and take appropriate actions before assuming foul play.

Can You Cancel Travel Insurance and Get a Refund?

Most travel insurance carriers allow refunds, depending on when a policy is canceled and if there is a money-back guarantee. Most insurers ask that the policy be revoked during the review period outlined in the contract terms to qualify for a complete travel insurance refund. If the review period has passed, then policyholders might be eligible for a partial refund or not qualify for one at all.

What To Do if a Travel Insurance Claim Is Denied

If your travel insurance claim submitted for medical reasons, delays, cancellations, or any other reason was denied by your insurer, then remember that you have options. Both denials and rejections may happen for valid as well as unethical reasons. An insurance claim denial is not the end of the road; you can dig deeper to figure out whether you can still be reimbursed under your insurance.

Travel insurance claims are routinely denied when policyholders make common mistakes in their claim forms, or they mistakenly assume their policy covers their specific situation. Good faith denials happen when policyholders do not fill out their travel insurance claim form correctly, do not submit the right documents, or do not include info like contact details for follow-up questions.

In some cases, travel insurance companies may wrongly deny claims and stall the claims process. For instance, they might fail to investigate the claim or conduct proper due diligence. In such scenarios, it is advisable that policyholders adjust and resubmit their insurance claim, appeal the denial, or pursue legal action if insurers continue to illegally hold their payout.

How To Appeal a Travel Insurance Claim: 4 Steps

The travel insurance claim appeal process allows policyholders to ask the insurer to reconsider its decision. When appealing their travel insurance claim, policyholders must:

• Carefully Review the Denial Letter: Review the specific reasons for the denial to determine your next steps. Cross-check the reasons stated with your policy documents, additional emails, and other papers.
• Review Your Policy: Review the terms of your travel insurance policy and pay attention to disclaimers, damage limits, filing time limits, and submission requirements.
• Reach Out for Assistance: After carefully reviewing your policy, if you find the denial letter and policy terms do not line up, contact an insurance legal expert with experience in handling travel insurance claims for help.
• Gather Documentation and Keep Careful Records: Maintain communication records with your insurer, copies of denial letters, and other documentation regarding your claim.

How To Write a Travel Insurance Claim Letter

Sometimes, travelers have to file a trip insurance claim when their vacation does not go according to the plan. A travel insurance claim letter is a formal piece of communication between you and your insurance agency. Its purpose is to ask for reimbursement for covered damages or losses under the travel insurance policy. Therefore, it is important to craft a professional and detailed claim letter to increase your chances of a favorable resolution.

A claim letter should include the following information:

• Introduce Yourself. Include all relevant information of the person appealing (such as the policy number and contact information).
• Address the Denial. Summarize the date you received the letter and why the denial was made. Do not leave out any important details.
• Point Out the Error. Explain why you do not agree with the claims denial, based on your policy and pertinent information.
• Attach Extra Documents. Include all other documents supporting your trip insurance claim, such as photos, additional correspondence, transcripts of phone calls, etc.

How Long Does It Take To Get Reimbursed From Insurance?

Travel insurance companies generally process most claims within a few weeks. Sometimes, the insurance claims process office might have follow-up questions, thereby increasing the time you can expect to hear back. However, if you feel that your insurance claim is taking months to resolve without a proper reason, you should speak to an experienced insurance dispute lawyer. While every situation is different, policyholders should always keep careful and consistent notes as it will help them take informed legal action if necessary.

Travel Insurance Claims Advice on Documentation

You must be thorough with your documentation to enhance your chance of successful recovery. When you file a trip claim, your insurer will more likely refund travel insurance when you include the following information in your claim submission:

• Lost Luggage: Make a list of what was lost, along with the details and cost of each lost item.
• Job Loss: Request that your previous employer send you a notarized letter on company letterhead in the case of a trip cancellation due to job loss.
• Medical Emergency: Include detailed medical records in your claim if a health emergency kept you from traveling.
• Canceled/Delayed Flight: If you could not attend your trip because the flight was canceled or delayed, provide proof such as an email that relays the reasons (mechanical issues, weather, etc.).
• Receipts for Delayed Flights: You might want to keep receipts for necessary expenses incurred due to delays, like hotel stays, transportation costs, meals, and personal necessities.
• Police Reports: These reports can help substantiate claims made for stolen items or car troubles.
• Other Reports: You may include tickets for unused flights or excursions in your insurance claim.

Has a Formal Complaint Been Filed Against the Travel Supplier?

Formal complaints against travel suppliers are helpful in legal cases dealing with similar situations. The Van Rossem v. Penney Travel Service (April 15, 1985) case exemplifies travel insurance gone wrong.

In this case, a newlywed couple arranged a honeymoon trip with travel agent Penney Travel. The agent used a wholesaler, Lotus Tours, to book the reservation without the couple's knowledge. Lotus Tours abruptly went bankrupt before booking the client's reservation with SANDLES, which remained unpaid. When the case came before the court, the judge noted that "an agent who makes the contract in his own name for an undisclosed principal is liable as a principal." Here, the defendant had failed to disclose the identity of Lotus Tours, and so, it was responsible as the principal. The couple had paid $2,059 in advance. The judge awarded them reimbursement of $1,312, plus costs and disbursements.

In another lawsuit, Touhey v. Trans National Travel , a travel agent did not check to see if the hotel a client had booked was duly constructed. The plaintiff-client was awarded $25,000 in special damages because of the mistake.

What Are Bad Faith Insurance Practices?

Bad faith insurance refers to unethical insurance practices used by an insurer to delay, deny, or lowball policyholders. Examples of bad faith insurance practices include:

• Misrepresenting contract language to prevent a payout
• Failing to disclose policy limitations and exclusions to policyholders
• Making unreasonable demands, like excessive paperwork requests to prove a covered loss

Sometimes, only a seasoned insurance dispute lawyer who regularly deals with contract breaches and bad faith claims can identify honest errors from serious red flags and help a policyholder get paid their due.

How to File a Travel Insurance Claim: A Summary

Travelers usually plan their vacations down to the last detail. Travel insurance is a buffer for unplanned curveballs that can derail even the most meticulous plans, such as medical emergencies or misplaced luggage.

Insurance companies are explicit about what travel mishaps or unexpected events they will or will not cover, which is why it is crucial to understand policy limitations and how to properly file a travel insurance claim.

As a final snapshot, the key steps to filing a travel insurance claim include:

• Reviewing policy terms and exclusions.
• Gathering necessary documentation based on submission requirements.
• Submitting your claim according to the insurer's timing and filing guidelines.
• Filing an appeal if an insurance claim is wrongly denied.
• Consulting an experienced insurance dispute lawyer to assist with an intentionally stalled, denied, or undervalued claim.

Travel insurance claims can become challenging, depending on the situation and response from your insurer. When small bumps in the road become permanent roadblocks, it is helpful to know that qualified travel insurance claims attorneys are available to help frustrated policyholders recover their losses. 

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• Single Trip Travel Insurance

Single-trip travel insurance

No age limit and all medical conditions considered

Kids go free on family policies(1)

Flight Delay Assistance Plus – available on our premier policies

Off on your travels? Pack our single-trip travel insurance

Wherever you’re travelling to and however long you're going for, don't forget about your travel insurance. It might not be the most exciting thing to think about but it's just as important as your passport and travel tickets.

Single-trip travel insurance is suitable cover for you if you're about to go away on just one trip. Any more than that and you may be better off with annual multi-trip travel insurance .

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our single-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Cancellation and cutting short your trip

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Missed departure (3)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

You’ll also get protection for any unexpected legal costs you might be charged while you’re away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does single-trip travel insurance cover covid-19.

Policies purchased from the 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment if needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies but, for extra reassurance, you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there is no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption cover upgrade . You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What’s covered with single-trip travel insurance?

With single-trip travel insurance, you’re covered for a range of issues that might happen while you're away. These include medical expenses, cancellation or cutting short your trip, plus the loss of your belongings. But check the policy details before you decide on which cover to get. The amounts and things you're covered for a will depend on the level of cover you take out. Take a look at our policy document to find out which one best suits your needs.

Does single-trip travel insurance cover cancellation?

Yes, your single-trip travel insurance policy will cover you if your trip's cancelled or cut it short, for some situations. These can even include cancelling or shortening a trip due to coronavirus, in some cases. You’ll find full details of what’s covered and what isn’t in the policy wording .

Will I need extra cover with single-trip travel insurance?

It depends on what level of cover you need for your trip. The level of cover you have with a single-trip policy is the level you chose when you applied for the travel insurance.

It’s a good idea to list out the cover you think you might need while you’re away. That makes it easier to compare policies to find the one that’s right for you.

For instance, some policies include cover against the impact of Covid-19. But you might want to add extra protection in case the virus causes you to miss a departure or other delays. Check our new trip disruption cover upgrade for further information on how we can help.

Some activities require mandatory additional cover. If you’re going skiing or on a cruise, you’ll need to take out extra specialist cover. That’s because these types of trips involve a different level of risk for insurers. Please be aware that these covers will add an extra cost to your insurance package.

There are some adventure sports and activities that are covered as standard on our single-trip travel insurance and others that aren’t. It’s important to fully understand your policy document so you don’t become involved in something that you’re not covered for.

What are the advantages of single-trip travel insurance?

If you don't travel too often – perhaps only once or twice a year – then you might want to take out a single-trip policy. If you're taking a single trip of lasting duration (up to 365 days(7)) then a single-trip policy can cover you too. Terms and conditions apply.

If it's likely you'll take more than one trip in a year, Post Office Annual Multi-trip Travel Insurance may be a more cost-effective way for you to get covered.

What different cover levels are there for Post Office single-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier. With our premier policy, there's complimentary airport lounge access if your flight's delayed for one hour or more (8).

When is the best time to start my single-trip travel insurance?

It’s often best to buy single-trip travel insurance as soon as you book any part of your trip. Cover for cancellation won’t begin until you buy it. The start date needs to be the start date of your trip, but by taking it out straight away, should something happen between now and the start of your trip, you can be covered for cancellation in some circumstances. It’s another thing sorted and out of the way, and one less thing to forget as you get nearer to your trip and things get busy.

How much is single-trip travel insurance?

The price you pay for single-trip travel insurance really depends on what you need your policy to cover. When you get a quote from Post Office we’ll ask what level of cover you need for all of the things you might like to protect, or issues you may want to safeguard against, when the time comes to travel. So we’ll work out a competitive price for that cover based on the options you choose.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (7)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after the 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above

(8) You need to register your flight online at least 24 hours before your scheduled departure time. Your free lounge access or ability for a monetary cash value will become available on the announcement of a minimum one-hour delay, this can either be announced as one single period of delay or reached as a consequence of multiple incremental shorter delays provided that your flight departs from an airport terminal with a lounge that's part of the LoungeKey network.

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Mayor claims drone intercepted near Moscow

Russian air defense units allegedly intercepted a drone over the city of Elektrostal in Moscow Oblast, Moscow Mayor Sergey Sobyanin reported in a Telegram post on Nov. 19.

Sobyanin claims the drone was heading towards central Moscow.

The Mayor also said emergency services were at work at the crash site but no casualties or damage to infrastructure have been reported.

The Kyiv Independent could not independently verify the reports.

Since the launch of Russia's full-scale invasion, Ukrainian forces have targeted Russian military, logistics, and infrastructure sites in the occupied territories and within Russia.

Today's drone report comes just hours after Ukraine's alleged drone attack was intercepted over the Bogorodskoye municipal district in Moscow Oblast.

While claims of Ukrainian attacks within Russian territory have increased since summer 2023, Kyiv rarely comments on these reports.

Read also: Ukraine war latest: Zelensky replaces Medical Forces Commander

We’ve been working hard to bring you independent, locally-sourced news from Ukraine. Consider supporting the Kyiv Independent .

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