Travel Insurance Glossary
|Age Limit||Annual Multi Trip||Excess Waiver|
|Hazardous Activity||Maximum Length||Max. Length per Trip|
|Medical Exclusion||Money Back Guarantee||Multiple Quotes|
|Policy Details||Single Trip||Winter Sports Cover|
|Quote & Buy Online Sites||Order Online Sites|
|Quote Online Sites||Other Sites|
|This shows the maximum age for which a quote is given.
If you are older, please contact the insurer direct.
|Annual Multi Trip|
|Provides annual cover for multiple trips. Most insurers provide cover for an unlimited number of trips during the year but a few restrict the total number of days of travel permitted per annum. Check the policy before purchasing.||More Definitions|
|The excess is the first amount of each claim which is payable by you. Some insurers allow you to waive this excess by paying a small additional premium.||More Definitions|
|Any activity, sporting or otherwise, which in the insurer's opinion
is likely to increase the risk of a claim will be defined as hazardous.
Definitions will vary from insurer to insurer - we recommend you check before purchasing the policy.
|Maximum Length or Maximum Length of Trip|
|Single Trip: This shows the longest possible trip for which you can receive a quote.
Annual Multi Trip: This shows the longest possible individual trip length for which you can receive a quote.
It does not refer to the number of trips you can take per year.
|Pre-existing Medical Exclusion|
|Most insurers exclude cover for medical conditions that existed at the time the policy was purchased. A few insurers will provide cover subject to an increased excess for claims relating to the medical condition. If you are pregnant, check this section carefully.
N.B. If in doubt, please contact the insurer for advice.
|Money Back Guarantee|
|The Money Back Guarantee varies from insurer to insurer, but is typically 10 to 14 days.
In general, it is only valid if you return the policy within the given period after the date of issue and you haven't made a claim and the insurer receives the policy prior to your departure date.
|Some sites offer you more than one quote or will select the best quote from a panel of insurers.||More Definitions|
|'Full' means, that full policy details are available on screen.
'Summary' means, that there is only a summary of the cover on the screen and you would have to contact the insurer for more details if required.
|This is a single trip beginning and ending in the UK. Most insurers impose a maximum length of trip, which we specify where known.||More Definitions|
|Winter Sports Cover|
|Winter sports include those sports normally carried out on ice or snow such as skiing, snowboarding and ice-skating. Some insurers will provide limited cover e.g. on-piste skiing only, while others may permit off-piste skiing. We recommend you check the level of cover before purchasing the policy.||More Definitions|
|SoreEyes donates 50% of income from supporting insurers to Sight Savers International, the leading UK charity, which helps prevent blindness and restores sight in developing countries.
'Yes' means that this is a supporting insurer.
|Quote & Buy Online Travel Insurance Sites|
|These are the most sophisticated sites enabling you to obtain a firm quotation and buy securely online (or via telephone where preferred).||More Definitions|
|Order Online Travel Insurance Sites|
|You can submit your credit card details but payment is not cleared online which can make it less secure.||More Definitions|
|Quote Online Travel Insurance Sites|
|These sites offer a firm quotation online but have no payment facility. You will need to speak to the insurer direct to make a payment.||More Definitions|
|Other Travel Insurance Sites|
|These sites only give basic information about the company including contact details.||More Definitions|