Able2Travel Travel Insurance Help and FAQ’s
Your Travel Insurance questions answered
Here you will find the answers to our most frequently asked questions about Able2Travel’s Travel Insurance.
Help! I need cover today as I go on holiday tomorrow. Can you help?
Yes of course we can! You can get an instant Travel Insurance quote online or call us on 01483 806 826. As long as your journey has not already commenced, we can pre-arrange cover or you can get a quote and buy online here. If you have already travelled, click here to find information on an alternative policy for those who have already travelled but please note, it does not cover pre-existing medical conditions.
I need Annual Travel Insurance that will cover me for lots of trips throughout the year. Can you help?
Yes we can. Our Annual Multi-Trip Travel Insurance policies can cover you for a number of countries and activities for those up to the age of 79. They’re excellent value too!
What kind of Travel Insurance policies do you offer over 50’s, 60’s, 65’s, 70’s, and 75’s?
We offer a range of Travel Insurance policies, which Travel Insurance policy you choose is up to you and depends on your budget and the way you like to travel. With our different levels of Travel Insurance cover, you can choose the level of cover you require. Our policies offer up to £10 million worth of Emergency Medical Cover as well as many more benefits.
Our Annual Multi-Trip Travel Insurance policies have a maximum age limit of 79 and our Single Trip Travel Insurance policies have an age limit of 79 if you’re travelling to Canada, Caribbean, Mexico, and the USA (Area 4) but no upper age limit in areas 1-3 of our territorial limits. Please refer to page 13 of your Able2Travel Travel Insurance policy wording for further information.
Does Able2Travel insure people under the age of 50?
Yes, we do. Able2Travel Travel Insurance can insure those with pre-existing medical conditions as long as they are over the age of 18. Those under the age of 18 with a medical condition must be accompanied by an adult or be added on to a family policy during the medical screening process.
Does my Travel Insurance policy cover repatriation?
Yes. All Able2Travel Travel Insurance policies provide cover for unexpected Repatriation, if it is medically necessary, which would be advised by the Emergency Assistance Team.
Can I make changes to my Travel Insurance policy?
It is an ongoing condition of this Travel Insurance policy that you inform us of any changes in your medical conditions, in order to ensure you have the Travel Insurance cover you need. This can result in an additional premium being changed. Adding optional upgrades can be made at any time prior to your departure within the terms and conditions of the policy. However, it is not possible to reduce coverage in return for a partial refund.
Can I cancel my policy at any time?
Policies are fully refundable (minus any transaction fees) within 14 days of purchase. However, refunds are not possible if travel has commenced and no potential claim has been encountered.
What should I do if I have not received my policy documents by email?
All Able2Travel Travel Insurance policy documents are sent out by email and usually arrive within 5 minutes where a correct email address has been provided. However, occasionally the email can be rejected by your Internet Service Provider due to them wrongly identifying it as spam.
If you have not received your Travel Insurance policy within 3 hours of making your booking, call our Customer Service team on 01483 806 826 who will confirm your email address and resend your documents.
Where can I find a copy of the Policy Wording?
A copy of the full Able2Travel Travel Insurance policy wording is available here along with more details and features of the Able2Travel Travel Insurance policy. Additionally, a copy of the policy wording will be attached to the email along with your policy certificate if you buy a policy.
Do I need to declare medical conditions which I am no longer receiving treatment for?
Yes. Any previous or current medical or mental sickness or condition that has resulted in the need of treatment in the form of prescribed medication, medical consultation, investigation or a check-up within the last 2 years needs to be declared. Make sure you answer all questions truthfully and accurately as failure to do so could invalidate your cover.
Any cardiovascular or circulatory condition (e.g heart condition, blood clot, raised cholesterol) that has occurred at any time prior to the commencement of cover.
No Travel Insurance claims arising from any pre-existing medical condition(s) will be covered unless you have declared these to us and they have been accepted by us
Who are the Insurers?
This travel insurance is administered by Voyager Insurance Services who are authorised and regulated by the Financial Conduct Authority FRN 305814.
For Sections A to M and O to P these policies are underwritten by AWP Assistance UK Ltd. Registered office: PO Box 74005, 60 Gracechurch Street, London, EC3P 3DS.
For Section N these policies are provided by International Passenger Protection, IPP House, 22-26 Station Road, West Wickham, Kent, BR4 0PR, United Kingdom and is underwritten by Liberty Mutual Insurance Europe SE.
For Section Q these policies are arranged by Supercover Insurance. Registered office: 45 Westerham Road, Bessels Green, Sevenoaks, Kent TN13 2QB and is underwritten by West Bay Insurance PLC.
For full information, please refer to your policy wording.
What are the maximum trip durations?
Please see the table below for full information on trip periods:
Single Trip Policy Features
|Maximum age at date of departure (travel to area 1, 2 & 3)||No Limit||No Limit||No Limit|
|Maximum age at date of departure (travel to area 4)||79||79||79|
|Maximum period per Trip if aged 65 years or under||365 days||365 days||365 days|
|Maximum period per Trip if aged 66 to 79 years||45 days||45 days||45 days|
|Maximum period per Trip if aged 80 to 85 in all areas excluding area 4||31 days||31 days||31 days|
|Maximum period per Trip if aged 86 and over in all areas excluding area 4||23 days||23 days||23 days|
|Maximum period per Trip if aged 80 and over in area 4||No Cover||No Cover||No Cover|
Annual Multi-Trip Policy Features
|Maximum age at start date of the period of cover shown on your policy certificate||79||79||79|
|Maximum period per Trip if aged 65 years and younger||31 days||31* days||31* days|
|Maximum period per Trip if aged 66 to 75 years||31 days||31** days||31** days|
|Maximum period per Trip if aged 76 to 79 years||31 days||31 days||31 days|
|Business Travel Included||Yes||Yes||Yes|
|Trips within your country of residence (refer to definition of trip for further information)||Included||Included||Included|
|Family member(s) can travel separately if named on Your policy certificate||No||No||Yes|
|Wintersports (Activity Pack 5) - upon payment of an additional premium and shown on Your insurance certificate - up to total maximum of||21 Days||21 Days||21 Days|
*Available to extend up to 45 days or 60 days for an additional premium
**Available to extend to 45 days for an additional premium
Who handles the Travel Insurance claims?
For Sections A-M and O-P
In the event you do need to make a travel insurance claim, the fastest and easiest way to do this is to make a claim at www.submitaclaim.co.uk/a2t or alternatively you can obtain a claim form by:
Claims Settlement Agencies
308 - 314 London Road,
Phoning: 01702 746 549
Sending an Email to: firstname.lastname@example.org
You should fill in the claim form and send it to us as soon as possible with all the information and documents we ask for. You must give us as much detail as possible so we can handle your claim quickly. Please keep copies of all the information you send us.
For Section N
Any occurrence, which may give rise to a claim, should be advised as soon as reasonably practicable to the following, by quoting your policy number, travel insurance policy name and reference: IPP SAFI V1-22.
IPP Claims at Sedgewick
14-15 Park Place,
Tel: +44 (0)345 266 1872
Please ensure that you have completed a claims form before sending in any documentation to support your claim including your policy certificate, trip dates, details of the incident and any other supporting documentation you may have.
Who are the Emergency Assistance Team?
The Emergency Assistance Team are your first point of call in the event you injure yourself or fall ill abroad and require medical treatment or if you need to come home earlier than planned. Before you get taken to hospital or shortly after being admitted in the event you are taken to hospital in an ambulance, yourself or your travelling companion should call us immediately on +44 (0) 203 819 7170.
Am I covered for holidays in the UK?
Yes. Our Single Trip Travel Insurance policies can provide you with cover for up to 365 days dependant on your age for single trips to a UK destination. Our Annual Multi-Trip policies include Travel Insurance cover within the UK so long as you are staying at least 100km away from your primary residence an includes an overnight stay.