Travel Pack

Get cover for when you’re away for £12.50 a month

Combined worldwide travel insurance from Aviva and comprehensive RAC breakdown cover (in the UK and Europe).

Six-month minimum term – terms and conditions apply.

In May 2021, our Travel Pack was featured in a Which? review of travel insurance policies, where its cover for pandemic disruption was awarded a ‘complete’ rating. See the results and find out what that rating means by reading about the best and worst travel insurance.

What does our Travel Pack cover?

Multi-trip travel insurance underwritten by Aviva. All policy limits are per person. Please bear in mind, your main home address must be in the UK, everyone insured must be UK residents (living in the UK for more than 183 days a year), and you all need to be registered with a UK doctor.

Cover in relation to Covid-19

The travel insurance in this Pack offers cover for

Medical treatment if you catch Covid-19 while on a trip
Cancellation if you’re ill with or test positive for Covid-19, preventing you from travelling*
Cancellation if you’re advised to self-isolate, preventing you from travelling*
Cancellation as a result of local lockdown restrictions in the UK, preventing you from travelling*
Cancellation or coming home early if, in the 31 days before travelling or while you're away, the FCDO advise against travelling to your destination*

*You won’t be covered if you need to cancel a trip because of restrictions (such as FCDO advice against travel, or government lockdown restrictions), if the measures were already in place when you booked the trip or bought this Pack (whichever was later).

Before making a claim, you should first contact your airline, or travel or accommodation provider to discuss your options.

To understand more about what your Pack does and doesn’t cover in relation to Covid-19, please read our coronavirus FAQs.

What’s covered

Ongoing worldwide cover – trips up to 31 days long in the UK and abroad are covered with no need to tell us where you’re going

Trips in the UK where you’re away from home for at least two consecutive nights and have pre-booked your holiday accommodation in a commercially-run premises or have pre-paid flights or ferry crossings

You and your partner who lives with you up to the age of 79 when the trip starts

Your dependent children (including step- and foster children) under 23 – as long as they're travelling with you and/or your partner who lives with you, or travelling on their own to visit and stay with close relatives who live abroad

Emergency medical treatment for sudden and unexpected illness or injuries – up to £10,000,000

Unexpected travel costs – up to £5,000 for unexpected additional travel and accommodation costs if your plans are disrupted (like missing a connecting flight because the transit airport is closed or your flight is diverted), and up to £250 if your pre-booked transport is delayed for longer than 12 hours

Up to £5,000 for each person if you need to cancel your trip or come home early for an insured reason e.g. illness or injury, or the Foreign, Commonwealth & Development Office (FCDO) advise against all, or all but essential travel to your destination

Your belongings – up to £1,500 if your personal belongings are lost, stolen or damaged during your trip

Holidays including winter sports and cruises, travel for personal reasons, and cover for business trips outside the UK for non-manual work like meetings and conferences, is included as standard

You'll also be covered for volunteering, charity and conservation work trips, and fundraising for registered charities and conservation organisations

Comprehensive breakdown cover in the UK and Europe

You and your nominated partner in any eligible vehicle (you can find a list of these in the terms and conditions)

Unlimited callouts in the UK

You'll be covered at home and on the road, and if your vehicle can't be fixed there, it'll be towed to a garage or to wherever you need to go

To help you complete your journey, you'll get a hire vehicle, alternative transport (for example, a train or plane) or overnight accommodation

What’s not covered

Any trip which started, or any event which occurred, before you bought this Pack

Travel delays, if your transport is delayed by less than 12 hours

Costs where you have a right to recover from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL or an insolvency administrator

Trips in the UK where you're only away from home for one night

Trips that don't start and end in the UK

Trips over 31 days – unless you purchase an extension to your cover

Any trip booked through a school, college or university

Any claim where the event, incident or circumstances already existed when you became a Pack holder or booked your trip (whichever is later). For example, an airport strike that's been reported in the media, where the FCDO has issued an advisory notice, or you’re aware of the serious illness of a close relative, travelling companion, or person you were travelling to stay with which could reasonably be expected to affect your travel plans

Any claim where you don’t follow the advice of local authorities in the area you’re staying, for example by observing curfews, quarantine measures and avoiding public gatherings or demonstrations

Any breakdown or collision that happened before you had the comprehensive RAC breakdown cover (in the UK and Europe)

The cost of parts

Terms and conditions

What’s not covered if you’re advised not to travel?

If you book a trip or take a pack out (whichever is later) while FCDO advice is in place advising British nationals against all (or all but essential) travel to your destination, or for British nationals to return home

Any claim for cancellation if the advice or measures were in place or had been announced at the time you purchased your Pack or the trip was booked (whichever is later)

Any claim for coming home early if the advice or measures were in place or had been announced when you (or the insured person) left the UK

For medical conditions, we won't cover any claim arising directly or indirectly from

Existing medical conditions – unless you’ve told us about them and we’ve agreed to provide cover

Any symptoms you were aware of before purchasing this Pack or booking a trip (whichever is later) that you’ve sought, but not yet received, a diagnosis for

Prescribed medication not being taken as directed

Travelling against the advice of a doctor or purposely travelling without medical advice when it was reasonable to have consulted a doctor

Travelling with the intention of seeking medical treatment or having investigations

Any medical condition where you’ve been given a terminal prognosis

We may be unable to offer cover for certain existing medical conditions

If we can't offer cover, you may be able to get cover from a specialist medical insurer. The Money and Pensions Service (MaPs) has details of specialist insurers in their Travel Directory. For more information, please contact MaPs here or call them on 0800 1387 777.

Please bear in mind, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before you can get cover.

Upgrading your cover

You can upgrade your cover after you take out a Pack – please bear in mind that each of our upgrades covers one single trip. For an extra cost, you can get

Baggage – up to £2,500 per person if your personal belongings are lost, stolen or damaged during your trip
Increased cancellation – you can upgrade to either £7,500 or £10,000 per person, to cover costs if you need to cancel a trip or come home early
Extended trip – increase the trip duration limit for up to 90 days

To find out more about upgrading your Pack, call 0800 158 2689. We're here Monday to Friday from 8am to 8pm, on Saturday from 8am to 6pm, and on Sunday and bank holidays from 10am to 4pm. Calls to 0800 numbers from UK landlines and mobiles are free. For our joint protection, telephone calls may be recorded and/or monitored.