Travel Insurance

Please note that any claims relating to epidemic, pandemic or the coronavirus unless for medical and related expenses, excluding curtailment, will not be covered for (a) any new policies purchased and (b) existing policies amended on or after 26th May 2020.

For tours / packages departing during 2020

Anam Cara Travel Ltd is an Appointed Representative of Global Travel Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (firm reference 305686) being permitted to advise and arrange general insurance contracts. Our status can be checked on the Financial Conduct Authority Register by visiting or calling 0845 606 9966 

We have arranged with Global Travel Insurance Services Ltd a holiday insurance policy specially designed with our holidays in mind.

Policies sold from the 1st January 2020 will be underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: Plantation Place, 30 Fenchurch Street, London, EC3M 3AJ, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised by Bundesanstalt für Finanzdienstleistungsaufsicht and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority: register number 769884.This policy is administered by ERGO Travel Insurance Services Ltd (ETI): registered in the UK, company number 11091555. Authorised and regulated by the Financial Conduct Authority, register number 805870 and registered office: Plantation Place, 30 Fenchurch Street London, EC3M 3AJ. Details about the extent of GLISE’s and ETI’s authorisation and regulation by the Prudential Regulation Authority and the Financial Conduct Authority are available on request. 

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. The following is a brief summary of the cover available. Full details of the cover, conditions and exclusions will be forwarded with your confirmation of booking.  In any event you may ask for a specimen copy of the policy wording before booking should you wish to examine this in advance. 

MAXIMUM EXCESS PER PERSON                         
1 - Cancellation
Up to £3,000

£50 or more depending on your age and medical conditions.

See the Special Conditions below.

2 – Travel delay

1) Delayed departure up to £60 (£20 after 12 hours and £10 per 12 hours delay thereafter) or

2) Abandonment of trip up to £3,000 (after 12 hours delay)
£75 for abandonment only
3 – Missed departure
Up to £500 for trips outside the United Kingdom
No excess
4 – Personal accident
Up to £15,000 (subject to age)
No excess
5 – Medical and other expenses
including curtailment
Up to £5,000,000 including £250 emergency dental treatment,
additional accommodation, travelling/repatriation expenses if you are
hospitalised or have to stay beyond your return date (limited to
£1,500 for trips solely within the United Kingdom), £5,000 for return
of body or ashes (limited to £2,500 for death in the United Kingdom),
£2,500 for funeral expenses abroad, £100 for taxi fares and telephone
calls necessarily incurred, curtailment costs up to £3,000, and
additional travelling expenses if you have to return home early
(limited to £300 for trips solely within the United Kingdom)
£75 (£50 Curtailment) or more
depending on your age and
medical conditions. See the
Special Conditions below.

6 – Hospital benefit
£15 per day up to a maximum of £300
No excess
7 – Personal property
Up to £2,000 baggage, £75 delayed baggage, valuables total £200,
single article limit £200 and £500 for personal money (cash limited to
£250) and £50 for children aged under 16
£75 except for delayed baggage
8 – Loss of passport expense
Up to £200 including loss or theft of your visa
No excess
9 – Personal liability
Up to £2,000,000
10 – Legal costs and expenses
Up to £25,000
No excess 

A special feature of this policy is that you only need to declare your medical conditions if you are travelling to North America, Central America or the Caribbean. If you are you will need to call Mediscreen on 0344 892 1698.

Otherwise the Special Conditions of this policy are as follows:

1. No trip is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.

2. If your health changes after the start date of your policy you must contact the insurer to make sure that your cover is not affected.

3. If you have a medical condition, you must obtain written confirmation from your medical practitioner that there is no reason why you should not travel and you must ensure that this confirmation is recorded in your notes.

4. If you already suffer from or have a history of any medical condition and have to make a claim under Sections 1 or 5 arising from the medical condition, the standard level of policy excess is increased as follows:
  • a) The excess under Section 1 and Section 5 (curtailment only) is doubled.
  • b) If you are aged 65 years or less the excess under Section 5 is increased to £500 (not including curtailment).
  • c) If you are aged 66 to 75 years the excess under Section 5 is increased to £1,000 (not including curtailment).
  • d) If you are aged 76 to 90 years the excess under Section 5 is increased to £1,500 (not including curtailment).
There are also some main health exclusions that apply to all persons as follows:
  • 1. Where you (or any person upon whose health the trip depends) have or have had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing unless we have agreed in writing to cover you.
  • 2. Any terminal illness suffered by you (or any person upon whose health the trip depends).
  • 3. Any medical condition for which you (or any person upon whose health the trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed with a medical condition or have been admitted or undergone a procedure/ intervention.
  • 4. Any claims on medical grounds where you fail to provide a medical certificate or other suitable evidence from a medical practitioner of the need to cancel the trip.
This policy is only available to residents of the United Kingdom. The definition of residents of the United Kingdom is any person who is staying in or has lived in the United Kingdom for more than 12-months, or if studying or working in the United Kingdom for more than 6-months.  It is valid for travel between 01/01/2020 and 31/12/2020.

Don’t take unnecessary risks by insuring your travel anywhere else as we cannot accept any responsibility or provide assistance if problems arise as a result of inadequate cover. We are confident that this policy is best for you.

A full policy wording will be sent to you with your confirmation of booking. Full details are also available upon request.

Please click here to view the 761ACT20 Insurance Product Information Document.

Please click here to view the 762ACT20 Insurance Policy Details.

Insurance Cover Prices (please note Prices applicable from 01 January 2020 / Not including the Holy Land or packages to the Middle East) inclusive of Insurance Premium Tax at 20%.

Period Days Price £
Up to 3 £33.00
Up to 5 £42.00
Up to 10 £48.00
Up to 17 £62.00
Up to  24 £70.00
Each + 7 £15.00