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Travel Insurance Help and FAQs

Special Sports and Activities

This policy specifically excludes participating in or practising for certain sports & activities. Sports and activities are either included free of charge, included at additional charge or excluded altogether. Sports & activities cover can only be added before departure from Your Home Country. Please select the relevant activities during the quotation process.

This Policy will provide cover free of charge when engaging in the following sports and activities on an occasional, non-competitive and non-professional basis during the trip:
Athletics
Badminton
Baseball
Basketball
BMX Cycling
Bowls
Cricket
Cross Country Running
Curling
Cycling
Fell Running
Golf
Heptathlon
Hiking (under 2,000 metres altitude)
Jogging
Netball
Orienteering
Rambling
Roller Blading (In-Line Skating / Skate boarding)
Rounders
Running, Sprint / Long Distance
Safari (organised, no guns)
*Scuba Diving (see notes below)
Skateboarding
Snorkelling
Squash
Tennis
Trekking (under 2,000 metres altitude)
Triathlon
Volleyball
Water Polo
Windsurfing
Yachting (crewing) - inside territorial waters

Scuba Diving Notes:* Qualified divers, diving with a dive-buddy and in accordance with the guidelines of the relevant diving organization will be covered as follows:

Qualification/ Maximum depth
PADI Open Water/ 18 metres
PADI Advanced Open Water/ 30 metres
BSAC Ocean Diver/ 20 metres
BSAC Sports Diver/ 30 metres
BSAC Dive Leader/ 30 metres

Other qualifications may be accepted but must be declared to Us prior to travel. If you do not hold a diving qualification, We will only cover You to dive to a maximum depth of 18 metres when accompanied by and under the direction of a qualified diving instructor as part of an accredited course.

You will not be covered under this policy if You travel by air within 24hrs after participating in scuba diving.

The following sports and activities will also be covered free of charge but no cover will apply in respect of any Personal Accident or Personal Liability claims:

Archery
Boxing Training (no contact)
Camel/Elephant Riding/Trekking
Canoeing/Kayaking (Grade 1-3)
Field Hockey
Fishing (Fresh water and deep sea)
Flying as a passenger (private/small aircraft)
Football
Gaelic Football (non competitive)
Go Karting ( recreational use)
Hiking (over 2,000 but under 6,000 metres altitude)
Horse Riding (no Polo, Hunting, Jumping)
Parascending (over water)
Roller hockey/Street hockey
Trekking (over 2,000 but under 6,000 metres altitude)
White/Black Water Rafting (Grade 1 to 4)

The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims:
Abseiling
Animal Conservation/Game Reserve work
Canoeing/Kayaking (Grade 4: cover only available if BCU qualified)
Clay pigeon shooting
Cross Channel swimming (accompanied by support boat)
Dry skiing
Fencing
Gymnastics
Handball
High Diving
Hot Air Ballooning
Jet Boating
Jet Skiing
Kite surfing/landboarding/Buggying
Lacrosse
Marathons
Martial Arts (Training only)
Motorcycling (under 50cc - no racing)
Mountain Biking
Mountain Boarding
Paintballing
Rowing (inland/coastal)
Sailboarding/Sandboarding
Surfing
Wake Boarding
War Games (non-armed forces)
Water Skiing
Weight Lifting
Zorbing/Hydroboarding

The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims, and the policy excess will be increased to £250 (€350) under the Medical Emergency & Repatriation Section of the policy:
American Football
Bungee Jump (up to 3)
Gliding
Hang Gliding
Motorcycling (over 50cc - no racing)
Parachuting
Parapenting
Parascending (over land)
Rugby
Sand Yachting
Sky Diving

This policy will not provide cover for any claims arising directly or indirectly from engaging in or practising the following sports & activities:
Boxing
Canyoning
Caving, Cave Diving
Flying as a pilot
Horse Jumping
Horse Racing
Hunting / Shooting
Hunting-on-horseback
Hurling
Martial Arts (Competition)
Microlighting
Motor Racing (all types)
Mountaineering
Parasailing
Point to Point
Polo
Potholing
Professional Sports
Quad Biking
Rock Climbing
Rock Scrambling
Shark feeding/cage diving
Steeplechasing
Team Sports played in competitive contests
Tombstoning
Wrestling
Yachting (outside territorial water or racing)

Business Cover

The Business Cover option insures your business equipment, computer equipment, samples, money, cash and additional business related eventualities.

Full cover limits are shown in the summary of cover.

Destination

UK
Great Britain, Northern Ireland and the Republic of Ireland for residents of the Republic of Ireland. Please note that due to recent legislative changes to the reciprocal health agreements with mainland U.K., the Channel Islands are now considered outside of the U.K .and must be rated as 'Europe' for the purpose of this insurance. Please note that U.K. trips are insured if you have pre-booked at least 3 consecutive nights on an Annual Multi-Trip or 1 night on a Single Trip policy, in paid accommodation.

Europe
Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Isle of Man, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Morocco, Monaco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, UK Area and Vatican City.

Worldwide Excluding USA/Canada/Caribbean

All countries Worldwide, excluding the United States, Canada, Bermuda and the Caribbean.

Worldwide Including USA/Canada/Caribbean
All countries Worldwide.

Excess Waiver

The Policy Excess is reduced to nil when you select the Excess Waiver option. If you select this option, the premium displayed will include the price for Excess Waiver.

An additional Policy Excess applies to the following covers and this will still apply, even if you select Excess Waiver:

Medical Emergency & Repatriation
  • In the event of an injury occurring as a result of voluntary Manual Work the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
  • When you are engaging in certain Special Sports and Activities (as shown under the Optional Special Sports and Activities Section of this policy) the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
Emergency Dental Treatment
  • When you are engaging in certain Special Sports and Activities (as shown under the Optional Special Sports and Activities Section of this policy) the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
To select Excess Waiver, simply click the Excess Waiver Box.

Golf Cover

The golf cover extension insures your golf equipment and provides for golf equipment hire in the event of loss or damage to your own clubs. Please note that golf equipment is not covered whilst in use.

Golf equipment over three years old is not covered. Full details of the golf cover extension are in the summary of cover.

Medical Conditions & Health Problems

If you or anyone named on the policy have any pre-existing medical condition/health problems then you can still purchase insurance with Planet Earth.

Please note the following guidelines:

  • First check to see whether any pre-existing medical conditions/health problems affecting you or anyone named on the policy are covered under the Automatically Accepted Minor Conditions List Automatically-Accepted-Minor-Conditions (PDF)
  • If they are not then please phone our Medical Screening Helpline on 0161 452 7030 to apply to extend your cover to include all pre-existing medical condition/health problem(s).
  • Any pre-existing medical conditions/health problems affecting you or anyone named on the policy not mentioned under the Automatically Accepted Minor Conditions List will NOT be covered under this policy unless you have contacted our Medical Screening Helpline and we have agreed in writing to cover you. If you are in any doubt then please telephone.
  • The Medical Screening Helpline will consider all medical conditions/health problems and decide whether or not we can extend cover to include them. If we do offer cover we will quote you an additional premium and you can decide whether or not to buy the extended cover.
  • This policy does contain restrictions regarding travelling companions not insured under this policy, relatives, close business associates, someone with whom you are going to stay or any other person on whose health the trip may depend. We will not pay any Cancellation or Curtailment claims if any of the following apply to any person on whose health your trip depends:
  • They have received a terminal diagnosis prior to the commencement or renewal of the policy.
  • They are on a waiting-list for, or have been advised of the need for: surgery, inpatient treatment or investigation at any hospital or clinic.
  • They have required surgery, inpatient treatment or hospital consultation related to the heart, lungs or kidneys in the 3 months prior to the commencement or renewal of the policy.

When should I start the insurance?

For single trip insurance, the start date should be the day you leave home to start your outward journey.

For Annual Multi-Trip insurance, the start date should be the first day you want cover to start. Bear in mind that if you have already booked a trip, you will need the insurance to start straight away so that you have the benefit of cancellation cover.

When does the insurance end?


For single trip insurance, the end date should be the day you arrive home. Remember that this will be UK local time.

For Annual Multi-Trip insurance, cover expires on Midnight 12 months after the policy start date.

Travel Party

Choosing the right travel party type can save you money. There are discounts for couples, families and groups of people travelling together.

Single Person
Single person cover is for individuals travelling on their own.

Couple
A couple is any 2 people over the age of 18 years who live together in a domestic relationship at the same address whether married or cohabiting (as if husband and wife) regardless of gender. Couples may travel independently of one another.

Family
A maximum of 4 dependents under the age of 18 at the date the insurance commences, travelling with their parents or legal guardian.

Infants: Free under the age of 2 years at the date the period of insurance commences but must be accompanied by an insured adult named on the same policy.

Single Parent Family
Maximum of 4 dependents under the age of 18 years at the date the insurance commences, travelling with a parent or legal guardian.

Other
For two or more people travelling together who do not fall into the family categories above.

Dependant children do not need to live with you to be covered under our family insurance, but they must be dependent on a parent or legal guardian.

Trip Type

Single Trip Travel Insurance

Single trip travel insurance covers you for a single trip during the dates that you specify. Make sure that you include the day you leave home to start your outward journey and the day you travel back.

Cancellation cover will start as soon as you buy your insurance, regardless of the day you leave for your trip.


Annual Multi-Trip Travel Insurance

Annual multi-trip travel insurance covers you for any number of trips during a twelve month period provided the number of days spent abroad does not exceed 183 days.

Make sure you check the maximum duration of any one trip. The standard product provides cover for any number of trips up to a maximum individual trip duration of 31 days. We also offer Annual Multi-Trip policies with individual trip durations of 45, 62 and 91 days. Please select the appropriate product from the drop down.

We recommend that you purchase your annual multi-trip insurance as soon as you have booked your trip to ensure that you have the benefit of holiday cancellation cover.

Note: If You travel for more than the number of days for which You have paid for cover, You will not be covered after the last day for which You have paid

Winter Sports

This policy specifically excludes participating in or practising for certain winter sports & activities.

If you are under 65 years old, your policy can be extended to cover some of these sporting activities by paying the additional Winter Sports premium. The policy extensions can only be added before departure from Your Home Country.

If you purchase an Annual Multi-trip policy and you are under 65 years of age, you are automatically covered when taking part in Winter Sports for one trip of up to 17 consecutive days during the Period of Insurance.

By paying an additional premium your policy can be extended to cover you when you are engaging in the following sports and activities on an occasional, non-competitive and non-professional basis during your trip:

Ice Skating (outdoor)
Skiing (on piste /glacier)
Skiing (off-piste in designated areas only)
Snowboarding (on-piste)
Snowboarding (off-piste in designated areas only)
Tobogganing

The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims:

Ice sailing/ice windsurfing
Skidoo
Snow Mobiling

This policy will not provide cover for any claims arising directly or indirectly from engaging in or practising the following winter sports & activities:

Bobsleigh
Heli-skiing
Ice Hockey
Luge
Paraskiing
Skeleton
Ski Jumping
Ski Racing
Ski Stunting/Free-styling/ Aerials
Skiing off-piste outside recognised and authorised areas
Snowboarding off-piste outside recognised and authorised areas

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Single Trip Travel Insurance

Single Trip Travel Insurance

1 to 365 days

Great savings

Annual Multi-Trip Travel Insurance

Annual Multi-Trip Insurance

All trips for 1 year

Choice of trip duration

Winter Sports Included

Winter Sports Travel Insurance

Winter Sports Insurance

Annual & single trip

Ski equipment

ERV