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Medical & Repatriation

Medical Cover is the most important part of your travel insurance. Our Premier policy covers up to £10m for hospitalisation, medical and repatriation expenses, up to £5m for our standard and up to £2m for our budget policies.


Annual Multi Trip Insurance

Annual Multi Trip travel insurance is designed for those wanting to enjoy a number of separate holidays or business trips throughout the year for a maximum duration of 30 days per trip for standard policies and 70 days per trip for Premier policies.

Cover for 156+ Activities

Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.


Gadgets & Valuables

Gadgets extends cover to include loss damage and theft for up to 3 items per person with a maximum cover amount of £1,000 per person. Items do not need to be specified and you can claim for any item classed/defined as a valuable.

Cancellation & Baggage

24 hour Emergency

Up to £10m Medical

Claim while you're

Annual Multi Trip Travel Insurance

Annual Multi Trip travel insurance is designed for those wanting to enjoy a number of separate holidays or business trips throughout the year for a maximum duration of 30 days per trip for standard policies and 70 days per trip for Premier policies. If you wish to include Winter Sports or a range of Adventure Activities as part of your annual policy it’s easy to add these for the appropriate additional premium.

Key Features of the Annual Multi Trip Travel Insurance

  • Unlimited trips within a year of up to 30 or 70 days per trip.
  • Emergency medical and repatriation expenses up to £10 million.
  • £350 dental cover.
  • Personal liability of up to £2 million.
  • Baggage & personal effects up to £2,000.
  • Gadgets & valuables up to £1,000 (optional)
  • Legal expenses up to £15,000.
  • Personal money up to £500.
  • Tickets up to £1,000.
  • Over 156 sports & activities (optional).
  • 14 days Winter Sports (optional).
  • Passport and visa up to £300.
  • Money-back 14-day cooling off period if you decide to cancel prior to departure.


This Policy is not available if you are already travelling.

Some FAQ's:

Home visits are allowed if your policy duration is 4 months or more. There are no limits, you can come home as many times as you like, for as long as you like.

To add any of our Activity Packs, just follow the Quote form - to stage 3 - there you will find all of the optional extras.

Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.

With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).

Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.

Yes, bar work is automatically covered with all of our policies.

WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.

(see above)

Means WWOOFing, fruit picking, casual farm work. Other Manual Work can be covered as long as it does not involve the use of plant/trade/industrial/agricultural machinery (other than tractors) or non-domestic power tools.

Please get in touch if you'd like to find out if we can provide cover for any light manual work you will be doing.

Decide Canada’s not for you, and want to return earlier than your full period of insurance?

Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.


How does the EARLY RETURN REFUND work?

Let’s say you buy a 24 month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 month Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation.


How does Big Cat calculate the amount of EARLY RETURN REFUND?

We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.


Are there other conditions that apply to my EARLY RETURN REFUND?

  1. Only applicable to 24 month IEC policies.
  2. We are not able to offer refunds to cover the first 6 months of the policy.
  3. No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
  4. You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival.
  5. All refund calculations are based on the base premium paid. Add-ons are non-refundable.


Can you give an example of how much I could receive back in my EARLY RETURN REFUND?

Say you took out a 24 month budget IEC policy costing £457.50, then you wish to cancel the policy after 9 months. Our 9 month policy costs £242.89. So we deduct £242.89 from £457.50 = £214.61.

Then we apply the £50 Cancellation Charge, refunding you a total of £164.61.

If you get sick while travelling or you're seriously injured you are covered for emergency medical treatment including:

  • Hospitalisation
  • Ambulance costs
  • Surgery and follow up treatment
  • Visits to the Doctor
  • Repatriation
  • Prescribed Medicine
  • Emergency dental treatment to relieve pain and suffering (limited to £350)

24hrs Medical Emergency Assistance.


Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)  is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk or by contacting them on (0) 800 111 6768. © 2020 Big Cat Travel Insurance Services.  All rights reserved.