Frequently Asked Questions

Find answers to Frequently Asked Questions at Travel Republic Insurance here.

Coronavirus (COVID-19)

For policies purchased after 14 April 2020:

See our special coronavirus information page by clicking here.

For policies purchased between 24 April 2019 and 13 April 2020:

IMPORTANT INFORMATION ABOUT CORONAVIRUS (COVID-19 including mutations) AND AGEAS TRAVEL INSURANCE

Because the World Health Organisation declared the ongoing Coronavirus (COVID-19) outbreak a pandemic on 11 March 2020 this is now a known event. This affects the cover provided by Ageas Travel Insurance policies. Any policies purchased on or after 14 March 2020 will not include cover under any section (apart from the Medical Expenses section ) for claims directly or indirectly caused by the Coronavirus (COVID-19). This includes any preventative containment or delay measures. For any policies issued before 14 March 2020 cover remains as per the policy terms and conditions.

These policies will not provide any cover if the Foreign and Commonwealth Office (FCO) are advising against all but essential travel to your destination.  In the present circumstances as the FCO advice on foreign travel is susceptible to rapid and significant change, we strongly recommend that you visit the FCO website to check the up to date advice against your actual or potential travel plans.  You can check whether your destination is on the exempt countries list here.

About your policy

Most sections of the policy carry an Excess. You have agreed to pay towards a claim under each section of the policy. 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 an EHIC (formerly E111) to reduce your medical expenses bill.

Any medical condition where You have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which You are currently on a waiting list for treatment or investigation; and

Any heart, heart-related or circulatory condition; or any respiratory condition or any liver condition; any stress, anxiety, depression or any other psychological condition or any cancerous condition.

If you have any pre-existing medical conditions please call 01293 855855 to assess if you are eligible to obtain full cover for the condition(s) disclosed.

For more information, please refer to the “Important Conditions Relating To Health” section of the policy wording. 

The maximum number of dependent children under 18 living at home is 4 on a family policy.
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
If after reading the policy wording you decide the terms of the insurance contract do not meet your requirements you can, WITHIN 14 DAYS OF THE DATE YOU RECEIVED YOUR DOCUMENTS, return it for a full refund. No refunds will be given for policies cancelled outside 14 days.
Adults over the age of 18 can travel independently, all children must be accompanied by an insured adult.
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. If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. Winter Sports cover and Cruise Cover are available at an additional premium.
These are the different levels of cover offered under this policy. Essential offers the most basic level of cover with the highest excesses. Super Plus cover provides the widest range of cover and the highest levels of protection for you and requires you to pay the least amount of excess. As a result Super Plus cover is the more expensive choice however ensures that you have the highest protection. Content
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. If you have any difficulties receiving your policy documents, please call us on 01293 855802.
Yes. The maximum age for our policy is 85 for a Single Trip or 79 on an Annual Multi-Trip at the commencement of the period of insurance. NOTE that the maximum age to add Winter Sports cover is 60 when you buy the policy.

No, this policy is only available to residents of the United Kingdom.

Yes, but they must pay the adult premium for their cover and must comply with any airline rules in terms of travelling as a minor. The policy can only be issued by calling Travel Republic on 01293 855802.
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 Travel Republic immediately on 01293 855802. 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.

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. 

You should check with your doctor as soon as possible, your doctor will be best advised to tell you what vaccinations are required, if any.
You can change or upgrade your policy at any time as long as you have not made a claim. Please contact Travel Republic on 01293 855802 for amendments and upgrades.
Yes, cover is provided irrespective of how your Trip / holiday has been packaged together.

Claims and Assistance

For Claims relating to Policy A – Your Travel Policy

If You have a medical emergency, please call +44 (0)2380 177285

If you need to make a claim, please call 02380 177468 or you can submit a claim online at www,imr-claims.com.

For Claims Relating to Section B – Optional Gadget Cover Upgrade

Claim forms can be obtained by calling the claims helpline on 01285 626020 or emailing claims@trent-services.co.uk.

If You have a medical emergency, please call 00 44 (0)2380 177474. These lines are open 24 hours a day. International Medical Rescue will provide immediate help if you are ill or injured outside your Home Country. They provide a 24-hour emergency service 365 days a year. When contacting them you will need to quote your Policy Number, your name, address and a telephone number. You must contact the medical emergency assistance team as soon as possible before incurring expenses over £500. You must retain receipts for medical and additional costs incurred and the excess must be paid by you at the time of treatment. Note: If you are physically unable to contact the assistance team then you or someone designated by you must contact the team within 48 hours.
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 the insurer cannot make any payment to you. If you leave luggage and personal items unattended in a public place then we 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.

What's covered?

Yes, cover is included for pregnancy. However it relates solely for complications that arise during the course of the pregnancy because being pregnant is not considered to be a medical condition. This means that only certain circumstances that are caused by complications in a pregnancy are covered. It is really important that you check this cover in the policy wording.

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. 

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.

Scuba diving to a depth of 18 metres (within organisers guidlines) is covered. The policy can be upgraded to include scuba diving to a depth of 30 metres for an additional premium.

Provided you have paid the Winter Sports upgrade, and you are under the age of 60, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the summary of cover. Activities covered are:

  • Cat skiing (with guides)
  • Snow blading (no jumping tricks)
  • Cross country skiing
  • Snow bobbing
  • Glacier skiing
  • Snow scooting
  • Ice hockey
  • Snow shoe walking
  • Langlauf (cross country skiing)
  • Snow shoeing
  • Monoskiing (not for time trials/speed skiing or racing)
  • Snow tubing
  • Skiing on piste
  • Snow blading
  • Skiing or snowboarding off piste (within local ski patrol guidelines)
  • Snow boarding on piste
  • Sledging/tobogganing
  • Kite snowboarding – no Personal Accident or Personal Liability cover
  • Snow carting – no Personal Accident or Personal Liability cover
  • Snow go karting – no Personal Accident or Personal Liability cover
  • Snowmobiling – no Personal Accident or Personal Liability cover
  • Skidoo – no Personal Accident or Personal Liability cover
  • Snowmobile safari – no Personal Accident or Personal Liability cover


The following Winter Sports are not covered under any circumstances:

  • Aerial skiing
  • Ski or ski bob
  • Air boarding
  • Ski race training
  • Biathlon
  • Ski racing
  • Bobsleigh
  • Ski randonee
  • Freestyle skiing
  • Ski stunting
  • Heli skiing or heli
  • boarding
  • Ski touring
  • Ice climbing
  • Ski yawing 

Your insurance automatically covers you for the following activities:

  • Aerobics
  • Roller skating
  • Archery
  • Rounders
  • Badminton
  • Scuba diving (to 18 metres)
  • Basketball
  • Skateboarding
  • Beach games
  • Snooker, pool and billiards
  • Bowls
  • Snorkelling
  • Cricket
  • Squash
  • Cycling,*No Personal Liability cover – no tours
  • Surfing, *No Personal
  • Liability Cover
  • Fell walking, rambling and trekking (up to 2,000 metres altitude)
  • Swimming (in pool or on inland waters or coastal waters within a 12-mile limit from land)
  • Fishing
  • Table tennis
  • Football
  • Tennis
  • Golf
  • Volleyball
  • Ice-skating (rink only)
  • Water Polo
  • Mountain Biking (excluding competition)
  • Water-skiing (only on inland waters or coastal waters within a 12-mile limit from land) * No Personal Liability cover
  • Parascending (towed by boat) *No Personal Liability cover
  • Windsurfing (only on inland waters or coastal waters within a 12-mile limit from land) * No Personal Liability cover
    Racket Ball
    Yachting, boating, sailing and rowing (only on inland waters or coastal waters within a 12-mile limit from land) * No Personal Liability cover
    Rambling
    Rafting, canoeing and kayaking * No Personal Liability cover

Table B – Providing you have paid the appropriate premium you will be covered for all activities listed in Table A as well as the following:

  • Bungee Jump No Personal Accident cover
  • Hydro Zorbing
  • Camel/Elephant Riding
  • Martial Arts (Training only)
  • Deep Sea Fishing
  • Motorcycling (over 50cc and under 250 cc – no racing) as a rider or passenger when wearing a helmet provided the rider holds an appropriate motorcycle licence to ride the motorcycle.
  • Dog Sledging
  • Rafting, canoeing and kayaking (including white water up to grade 3) * No Personal Liability cover
  • Go Karting
  • Rugby
  • Gymnastics
  • Safari ( not involving use of firearms)
  • Hiking (between 2,000 and 4,000 metres altitude)
  • Scuba Diving (between 18 and 30 metres)
  • Hockey
  • Sea Canoeing
  • Horse riding (no
  • Polo, Hunting, Jumping or Racing)
    Trekking (between 2,000 and 5,000 metres altitude)
  • Hot Air Ballooning (non-UK organised)
  • Triathlon – Road Bike

Table C – Providing you have paid the appropriate premium you will be covered for all activities listed in Table A and B as well as the following:

  • Abseiling
  • Paragliding
  • Parasailing
  • Parascending (over land)
  • Rafting, canoeing and kayaking (including white water up to grade 4) * No PL cover
  • Sail boarding
  • Sand boarding
  • Sand yachting
  • Skiing (Dry slope)
  • Snowboarding (Dry slope)

Table D– Providing you have paid the appropriate premium you will be covered for all activities listed in Table A, B and C as well as the following:

  • Animal Riding (other than camel and elephant riding)
  • Canyoning
  • Hand gliding
  • High Diving
  • Horse jumping (no Polo or Hunting)
  • Ice hockey
  • Land yachting
  • Micro lighting * No PL cover
  • Motor rallies
  • Parachuting
  • Rock climbing
  • Rock scrambling
  • Scuba diving (up to 30 metres) is BSAC, PADI, DIWA, SSI or SSA member
  • Show jumping (no Polo or Hunting)
  • Sky diving
  • Triathlon – Ironman
  • Wrestling
  • Work abroad (manual, ground level only, no machinery)

What's covered?