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Standard Pack (Included)

Included in all the Policies, The Standard Pack covers for Activities such as Hot Air Ballooning, Sailing, snorkelling, scuba diving up to 18metres, water skiing as well as  walking , hiking or trekking up to 2,500 metres. This is serious mountain altitude as our highest peak, Ben Nevis, is just 1,344 metres up. For a full list of all sports & activities covered click here.

Activity Pack

But if you want to get a bit more active, then our Activity Pack covers activities such as offshore sailing, scuba diving to 40 metres in depth, jet skiing,  biking, bungee jumping, cycle touring, horse riding, , tandem sky diving, via ferrata as well as white water rafting and trekking/hiking up to 4600 metres. Here is a full list of sports & activities covered.

Extreme Activity Pack

Our Extreme Activity Pack covers activities such as hang gliding, kite surfing, paragliding, multi pitch rock climbing, as well as trekking above 4,600 metres, with no upper altitude limit and is suited to the most challenging of mountain treks such as Mt Kilimanjaro & Everest Base Camp. For a full list of sports and activities covered click here.

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.

Get Cover If Already Travelling

You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK or EU. Just follow the Quote form to get a price and complete your purchase.

Working while abroad

Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Adventure Travel Insurance Pack can cover you.


Cancellation & Baggage
Cover


24 hour Emergency
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Up to £10m Medical
Cover


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Bouldering Travel Insurance

While you can enjoy the thrills of bouldering in your local rock climbing gym, nothing beats actually getting out to enjoy climbing on some real rock.

No heights and no ropes involved, Bouldering is considered a bit safer than roped climbing, but a comprehensive travel insurance policy is still a necessity, even the most experienced of climbers can pick a bad hold and take an unexpected fall.

A Big Cat policy provides comprehensive medical cover including repatriation, evacuation from a remote location if necessary, as well as medical costs to treat injuries sustained.

With a limit of up to £10m which includes helicopter rescue and repatriation you can rest assured you have the cover you need to enjoy  the thrills of your sporting adventure.

Please note we can only provide cover for medical expenses incurred outside of the UK, and to extend cover to include bouldering you will need to include the Activity Pack add-on with your policy, which can be done by following the Quote form.

Bouldering Travel Insurance

Key Features of our Bouldering Travel Insurance

  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Personal Liability up to £2 million.
  • Baggage & Personal Effects up to £2,000.
  • Gadgets & Valuable up to £1,000.
  • Personal Money up to £500.
  • Passport and Visa replacement costs up to £300.
  • Unrestricted return trips home.
  • Cover if you wish to undertake light-manual or volunteer work.
  • Winter Sports
  • Facility to arrange or extend Insurance when already travelling.
  • Money-back 14-day cooling off period if you decide to cancel prior to departure.

Some FAQ's:

Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.

If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.

When riding, you must always ensure you:

  • Wear an appropriate crash helmet.
  • Obey the Local road rules and laws
  • Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
  • If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
  • Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
  • You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike. We cannot cover any participation in competitions or racing or any kind.


23 people found this faq useful.

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.

 


2 people found this faq useful.

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 months 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. Please note that travel insurance premiums are not calculated on a pro-rata basis, as such, no refund is calculated in this manner either.

 

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, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
  5. All refund calculations are based on the base premium paid only. 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 £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99

Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.


9 people found this faq useful.

Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.


26 people found this faq useful.

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


3 people found this faq useful.

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.


3 people found this faq useful.

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

(see above)


3 people found this faq useful.

Yes, bar work or working in a chalet is automatically covered with all of our policies.


5 people found this faq useful.

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.


6 people found this faq useful.

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. © 2023 Big Cat Travel Insurance Services.  All rights reserved.