Travel insurance frequently asked questions (FAQ’s)

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Below is a selection of Travel Insurance frequently asked questions. If your question is not answered or you would like some further information then please call our friendly sales team on 0800 888 6195 (our opening hours).
The Insurer

Avanti travel insurance policies are underwritten by White Horse Insurance Ireland dac, who are a wholly owned subsidiary of Thomas Cook Group plc. They are a travel insurance underwriting specialist established in 1999, authorised and regulated by the Central Bank of Ireland.

Country geographic definitions are provided in the Geographical Limits in your policy wording and there is also an information link next to the destinations on the quote page.
Yes, trips within the UK are covered provided you have a minimum of two nights pre-booked accommodation. Please read the policy terms and conditions in regard to the sections of cover which apply when travelling in the UK.
The excess is the first part of the claim that you are responsible for and is payable by you – details of the excesses are shown in the Table of Benefits in the policy wording. By purchasing the Deluxe policy or an excess waiver option, the excess is reduced to £0 and you would therefore not be responsible for making any payment toward the claim.


Yes, repatriation is included under the Medical Expenses section of the policy. If you need to be repatriated back to the UK please make sure that you contact the 24 hour medical emergency assistance company in advance as detailed in your policy wording who will check if the circumstances are covered within your policy.
Yes, we cover you for pre-existing medical conditions which are disclosed to us and we agree cover. Please call us on 0800 222 9141 if you are experiencing any problems with declaration of your conditions on our website.
Your policy wording booklet confirms the insured events of cover for – cancelling and cutting short your holiday. If your circumstances are covered then you will need to register a claim with our claims department. Please ensure you have your policy schedule at hand when calling them.
We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections 1- Cancelling and cutting short your holiday, 2 -Medical Emergency Expenses and Repatriation and 7- Medical Inconvenience Benefit. Please make sure you read the definition of ‘Complications of pregnancy’ in the ‘Definitions’ section of the policy wording booklet.
A pre-existing medical condition is defined by the policy as:
1. If, in the last 5 years, you have suffered from or received medical advice or treatment for or been prescribed medication for: 


    • any cancer condition
    • any heart-related, blood circulatory or diabetic condition (including high blood pressure and high cholesterol);
    • any breathing condition (including asthma, bronchitis and chronic obstructive pulmonary disease);
    • any renal, liver or kidney condition
    • any neurological condition (including stroke and epilepsy)
    • any psychiatric or psychological condition (including anxiety, stress and depression);

2. If, in the last 12 months, you have suffered from any other medical condition for which you have been referred to a hospital or clinic for outpatient or inpatient treatment or surgery or any tests or investigation.

Common questions
Yes, adults travelling on the annual policy may travel independently. Children must travel with at least one insured adult.
Yes, your personal possessions are covered up to the limit of your opted policy. Please see the Table of Benefits in the policy wording for further details and the terms and conditions which apply.
Make sure that you report the loss or theft to the police within 48 hours of the discovery of loss or theft and obtain a written report from the police, then contact the claims service on your return to the UK. Please see the Table of Benefits in the policy wording for further information on the limits of cover.
We recommend that you take your policy wording and schedule with you.
You can take an unlimited number of trips on an annual policy, with a maximum trip duration of 24, 31, 45 or 60 days depending on the purchased policy and your age.
No, you do not need to tell us each time you travel however you do need to make us aware of any change in your circumstances that happens after the policy has been issued and before you travel.
Yes, you can buy a policy for travel today. Please click here for a quote or alternatively call us on 0800 888 6195. Please note that in order to take out our travel insurance, you must physically be in the UK and not have started your trip.
No, there is no upper age limit. However, there are restrictions on the length of time you can travel if you are over 70 at the date you buy the policy.
Our annual policies offer cover for maximum trip durations of 31, 45 or 60 days to clients aged up to 70 years of age. A 31 day trip duration applies for our clients aged 71-75 and a 24 day trip duration for our clients aged over 75 years of age.
The maximum duration for a single trip policy is 365 days for customers aged up to 70 years of age. For customers aged 71-75 years the maximum duration is 90 days and for customers aged 76 years and over then the maximum trip duration is 31 days.
Yes, you must also have lived in the United Kingdom, the Isle of Man or the Channel Islands for at least six of the last 12 months but not necessarily continuous, before you bought or renewed your policy.
Yes, please call our friendly sales team on 0800 888 6195 (opening hours) or email us at
Insurance terminology
IPT is Insurance Premium Tax. It is a government tax at the rate of 20% and is included in all of our prices.
This means to cut short your holiday/trip.
This means to return to your country of origin.
All of our travel insurance policies include free cover for over 60 sports and activities such as bungee jumping and jet skiing. For the full list of activities that are included in the policy please see the policy wording.
Yes, off piste skiing is covered as long as you are under the supervision of a qualified guide or instructor on designated pistes within the resort and have the appropriate winter sports cover within your policy.
If you have purchased our Annual Multi-Trip insurance policy with winter sports then you are covered for winter sports up to a maximum of 17 days per policy year up to the age of 70 years. For single trips you would need to purchase a winter sports endorsement to provide cover.
We can provide cover for winter sports to customers aged up to and including 70 years of age.

   I’m very very pleased with the help I had with booking insurance for my husband and myself for trip to Tenerife, will be sure to use them [Avanti travel insurance] again
Mrs Dingwall – North Yorkshire

Would an annual policy

save you money?

Going on more than one holiday this year? Annual travel insurance may work out cheaper, allowing UNLIMITED trips over a 12 month period


Essentials, Classic and Deluxe Policy wording document

Cruise policy wording document

Intial disclosure document

Initial Disclosure Document (IDD)

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