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Travel insurance is cheap peace of mind — until you assume it covers something it doesn't.
Standard cover includes emergency medical expenses abroad, evacuation and repatriation, trip cancellation and curtailment, lost or delayed baggage, and personal liability. Schengen and other visa applications often require proof of medical cover, which we can arrange same-day.
The exclusions matter too: pre-existing medical conditions are often excluded unless declared; high-risk activities like skiing or diving may need extensions; and claims linked to alcohol or unattended luggage are commonly declined.
Declare everything honestly, choose limits that match your destination's medical costs (the US is very different from regional travel), and travel with your policy documents. Ask us — we arrange single-trip, annual and family travel cover in one phone call.