Travel insurance questions, answered

The quickest way is our free Travel Cover Estimator — tell it your trip type, where you’re going, how long for and how many travellers, and it suggests a tier and an indicative premium in seconds. As a rule of thumb: Essential suits short ASEAN getaways, Explorer covers most proper holidays and mid-haul trips, and Premier is for long-haul or worldwide travel where medical costs run high. Still unsure? Message an adviser and we’ll match it to your actual itinerary, not the priciest option.

Buy it as soon as you’ve paid a deposit on flights or a hotel — that’s when trip-cancellation cover starts protecting the money you’ve already committed. You can buy right up until the day before you fly, but you can’t buy cover for a trip that’s already begun, and cancellation cover only counts for things that happen after you’ve bought. Earlier is always better; the cover costs the same whether you buy today or next month.

Yes. Covid-19 overseas medical treatment is built into every Roamsure plan as standard, not sold as a separate add-on — so if you’re hospitalised abroad with Covid, your medical and evacuation cover responds the same way it would for any other illness. Trip-cancellation cover for Covid-related disruptions varies by plan, so ask your adviser to confirm the details for the tier you’re considering.

Honest answer: more than the brochures admit. Standard plans exclude adventure and winter sports (add our Adventure boost), undeclared pre-existing medical conditions, trips taken against a government advisory, losses from being under the influence or breaking local law, and anything that happened before you bought the policy. We tell you the exclusions in plain English before you buy, and recommend the right add-on so you’re not caught out — that’s the whole point of using an adviser.

For frequent travellers, almost always. The Annual Multi-Trip plan covers unlimited leisure trips for twelve months at Explorer-level limits, and for most people it works out cheaper than single-trip cover from around the third getaway of the year. If you take three or more trips annually — even short ones — it’s usually the smarter buy. Our adviser will do the sums honestly and tell you if single-trip cover is genuinely better value for your travel pattern.

Yes. Most Roamsure plans can be bought as a family policy that covers two adults and their children together, often at a lower combined premium than insuring everyone separately. Children travelling with an insured parent are typically covered at a reduced rate or included, depending on the plan. Tell the Estimator how many adults and children are travelling, and we’ll quote the family option alongside the individual one so you can compare.

Often, yes, but it must be declared and accepted before you travel — cover for an undeclared condition won’t respond to a claim. Tell your Roamsure adviser about any ongoing condition, recent surgery or regular medication when you enquire, and we’ll arrange a plan that covers it properly, or be upfront if a particular trip needs specialist cover. Declaring it costs you nothing, and it is what keeps your cover genuinely valid when you need it.

Tell us as soon as it’s safe to — call the 24-hour line or message your adviser — and keep your receipts, medical reports and any police or carrier reports. You submit the claim online or through your adviser, with no printing or posting, and we send a checklist tailored to your situation. Straightforward claims are usually assessed and paid within days by bank transfer or PayNow, and we keep you updated the whole way through.

Payment is by PayNow, card or Atome instalments, and your full premium is shown clearly before you confirm — no hidden loadings, no membership fees and no auto-renewal trap unless you choose annual cover. Roamsure is a fictional demo agency built by SGBP, but the principle is real: what your adviser quotes is what you settle, itemised line by line with nothing buried.