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Frequently Asked Questions
- Would I be covered if I miss my flight?
- What happens if my baggage is delayed?
- If my luggage is stolen, what is covered?
- If I had all my money stolen, what would be covered?
- What do I do if I have money or personal effects stolen?
- What is classed as a valuable?
- Do you cover bicycles?
- If I no longer want my travel policy, do I get my money back?
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What is an EHIC and do I need one?
The EHIC is the European Health Insurance Card, which replaced the E111 form in 2006. The EHIC entitles you to emergency medical treatment from the state-funded health service of any country in the European Economic Area (EU countries, plus Switzerland, Iceland and Norway). You will get the same level of treatment that is available to citizens of the country you are in, and a small contributory fee may be applicable. This may be claimed back on your return.
The EHIC does not entitle you to free private medical treatment. It is a condition of cover that you get an EHIC prior to travel. You can apply at your local Post Office, or online. There is no charge.Back to FAQs
What is the excess?
£100 per person, except for personal liability, where the excess is £250.Back to FAQs
Which countries are covered by the Europe policy?
Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia, Herzegovina,
Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands),
Egypt, Estonia, Finland, France, (including Corsica), Georgia, Germany, Gibraltar, Greece, (including Greek Islands), Hungary, Iceland, Ireland, Italy, (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway (including Jan Mayen, Svalbard Island), Poland, Portugal, (including Azores, Madeira Islands), Romania, Russia (West of the Ural Mountains), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, United Kingdom, Ukraine, and Vatican City.
Are there any countries not covered by the ETA?
We cannot cover trips to: Afghanistan, Algeria, Central African Republic, Chad, Democratic Republic of Congo, Haiti, Iraq, Israel, Ivory Coast, Lebanon, Libya, Mali, Nigeria, Pakistan (other than Punjab and Sind Provinces), Palestine, Somalia, South Sudan, Sudan, Syria and Yemen.Back to FAQs
What is the maximum trip duration for ETA travel insurance?
Single-trip travel insurance will cover you for up to 31 days per trip and annual multi-trip cover will cover you for up to 31 days per trip but for multiple trips throughout the year.Back to FAQs
What makes ETA travel insurance green?
Here at the ETA, we are completely carbon neutral. This means we offset all the carbon emissions our business is directly responsible for. We like to encourage our customers to offset their emissions where they can. Find out more about ETA Carbon Offsets.
ETA Travel Insurance is an Ethical Consumer Best Buy, and we were recently voted Britain’s most ethical insurer by The Good Shopping Guide for the fifth year running.Back to FAQs
What are the upper age limits of this policy?
Aged 74 or under for trips within Europe; Or aged 69 or under for all other worldwide destinations. For annual policies, the age limit applies at the start date of your policy. For single-trip policies, the age limit applies on the day you first travel.Back to FAQs
Would I be covered if I miss my flight?
If you are delayed due to an insured event, for example, failure of scheduled public transport services to get you to your destination in time, due to strike, industrial action or adverse weather you would be covered up to £500 for the UK and European holidays, or up to £1000 for holidays outside of Europe, if you miss your flight.Back to FAQs
What happens if my baggage is delayed?
If in the case that your baggage is delayed more than 12 hours we will pay up to the maximum of £250 for the purchase of immediate necessities.Back to FAQs
If my luggage is stolen, what is covered?
For personal baggage, you are covered up to £2000 for annual and single-trip policies. There is a limit of £300 for any one article or pair or set of articles.Back to FAQs
If I had all my money stolen, what would be covered?
In the case of lost or stolen money, the ETA pays out a maximum of £300, with a cash limit of £250 for adults and £50 for children. We would advise travellers to carry no more than £300 cash whilst travelling to and from the holiday destination. If staying in a hotel, we would always advise that you lock all valuables and monies in a secured safe.Back to FAQs
What is classed as a valuable?
A valuable means spectacles, sunglasses, contact or corneal lenses, watches, furs, jewellery, cameras, camcorders and any accessories, telecommunications, audio, visual and computer equipment or game consoles, including accessories. If you have any questions about travelling with valuables, please do give us a call on 0333 000 1234.Back to FAQs
If I no longer want my travel policy, do I get my money back?
If you change your mind within 14 days of taking out this policy, or the date which you received your
documents if this is later, then the premium you have paid will be refunded in full unless you have
already travelled or made a claim in which case no refund will be due. This 14 day period is known as
the ‘cooling off period’. If you change your mind after the 14 days cooling off period you will not be entitled to a refund.
Are my pre-existing medical conditions covered?
This policy contains certain exclusions relating to pre-existing medical conditions. If you, or any of the people insured on the policy, have any pre-existing medical conditions, please ensure you declare them to us to ensure you are covered. We use a company called CSA Services to undertake medical screening for this policy. You can get a quote to cover your pre-existing medical conditions on 0344 573 4171.Back to FAQs
Does ETA travel insurance cover me if I am pregnant?
Yes, however, if you are thirty weeks pregnant or over at any point during the trip, you would not be covered for any expenses arising from the pregnancy, childbirth or medical complications resulting from the pregnancy.Back to FAQs
How much am I covered for medical expenses?
We cover up to £10 million for medical expenses and up to £600 for hospital benefits.Back to FAQs
Am I covered for Winter Sports?
You will only be covered for winter sports provided you have paid an additional premium and it is shown on your schedule.Back to FAQs
Am I covered if the ski slopes are closed?
Yes, if during your trip you are unable to ski for a continuous period in excess of 24hrs, due to a lack of snowfall at your pre-booked resort, we will pay up to £200. Subject to exclusions.Back to FAQs
If my ski equipment is stolen or lost, am I covered?
We will pay you up to £350 if your ski equipment is lost or stolen.Back to FAQs
Am I covered if the golf course is closed?
We will cover you up to a maximum of £300 for unused pre-paid green fees, golf equipment hire fees or golf tuition fees if the golf course you were due to play on was closed due to adverse weather. This also applies if you were unable to use the above due to illness or being involved in an accident.Back to FAQs
Am I covered if my golf equipment has been stolen?
If your golf equipment is stolen during your trip, then we will pay up to £1500, with a single article limit of £300. This also applies if your golf equipment is accidentally lost or damaged.Back to FAQs
Am I covered if my booked cruise changes port destinations?
We will cover you up to £500 if there has been a cancellation of a scheduled port visit due to mechanical failure of the ship, adverse weather or timetable restrictions.Back to FAQs
Am I covered for missed departure?
You are covered up to £1000 for missed port departure.Back to FAQs