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Help & FAQ's Are you regulated and authorised by the FSA? This website is operated by Insure Pay which is a firm authorised and regulated by the Financial Services Authority. Our firm reference number is 315384 which can be verified by visiting the FSA website at www.fsa.gov.uk/register What type of policy do I need? You can choose from: Single Trip Travel Insurance - Provides cover for single trip only, and is the best value if you only travel once a year. Annual Multi-trip Travel Insurance - This covers you for as many journeys as you like during a full year. The maximum length of one stay varies between policies, but will been shown in the Key Points. This is normally the best value insurance if you travel more than once in any 12-month period. Long Stay - For those who are looking to travel for extended durations. Long Stay is ideal for young travellers exploring the world. I have a 'Family Annual multi-trip' policy - are my children covered if we go on separate holidays? In most cases, children cannot travel independently of the parents under a Family policy, least one of the insured parents/guardians must travel with the children. However, we do offer this on our Voyager Premier DoubleCover Policy. Be sure to read in the 'Key Points of Cover', as it will advise you there. How do you define a couple? Couple prices are normally better value than individual prices. A couple does not have to be married or of differing sexes. A Couple is defined as 2 adults co-habitting for at least 6 months. When does the cover start for Annual Multi-trip Policies? For Annual Polices, the cover starts from the Start Date requested, and lasts for a period of 1 year. No Cover is provided before the Start Date. When does the cover start for Single Trip Policies? For Single-trip Polices, the cover starts from the Issue Date of the policy, and is valid for travel between the Start Date, and the End Date requested. Cancellation cover is provided from the Issue Date. One of the persons to be covered on the policy has an existing medical condition, can I still have cover under your policies? Some existing medical conditions can be covered but only with the underwriter's approval. If you are in doubt, please call us, and our trained staff will provide you with best advice for your situation. It is your responsibility to make the insurer aware of any possible health problem and failure to comply with the terms and conditions can make any insurance invalid. What should I do in case of a Medical Emergency abroad? You must notify the Insurerer as soon as possible. The policy wording has the contact numbers for Emergency Medical Assistance. Certain countries will have different Medical Assitance numbers, so it is best to consult your travel insurance policy wording. What happens if, after reading my policy document, I don't think it is suitable? Our policies have a 14 day 'cooling off' period. If you are not entirely satisfied with your policy you must telephone us to state why the cover is unsuitable. We will endeavour to provide with a policy that suits your requirements providing that you have not travelled or made a claim. If we are still unable to find you a suitable policy then we will give a full refund providing you return the relevant insurance documents to us within 14 days of purchase. What should I do if any of my personal belongings are stolen or lost? Your Insurers will require documentation proving that the personal belongings have been stolen or lost. You must report any theft or loss within 24 hours of discovery to the local police or to a person responsible for the transportation/accommodation element of your holiday. Once you have reported the incident to the local authorities you will need to ask them to provide a written report and this will need to be submitted with your claim form. How do I make a claim? For medical emergencies, please call our specialist multi-lingual emergency services for immediate help. Emergency contact numbers are shown on your policy certificate, When you contact them tell them that you are insured with the 'Insure Pay' and give them the following information: What if I discover that I am pregnant? Travel insurance policies provided through this website will provide full cover to a pregnant policyholder up to the 28th week of the pregnancy (i.e. 12 weeks before the expected delivery date). Please carefully read the relevant policy wording and make sure you are happy with it before making your purchase. You should make sure you have some written evidence of the predicted due date and work back from that. In the event that the insured person has had a difficult pregnancy (i.e. high blood pressure or any other complication) then this must be disclosed at the time of purchasing the insurance to ensure that full cover is validated. What is the European Health Insurance Card (EHIC)? The European Health Insurance Card is taking over from the E111 from January 1st 2006. All European Union countries have reciprocal agreements with the UK that allow UK nationals to obtain medical care in the country being visited. If you are travelling to a country taking part in this agreement, you should obtain a EHIC and carry this with your travel documents. Note* The E111 is not designed to replace your travel insurance policy as it provides no coverage for instances such as cancellation, curtailment, theft or loss of property. . The EHIC is valid in:- Austria, Belgium, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Switzerland. You may apply for the EHIC online at https://www.ehic.org.uk and your card will be with you within seven days. Or by calling 0845 606 2030. By post, using the form available at your local Post Office. The EHIC is issued free of charge. |
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