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Up to £10m Medical Cover.

Our premier sailing travel insurance provides cover up to £10 million in medical, hospitalisation and repatriation expenses, up to £5m for our standard policy; and up to £2m for our budget policy. All policies include 24 hour emergency medical assistance including Air Ambulance/helicopter rescue and up to £2,000,000 personal liability.

Sailing and Water Sports

Included in all the Policies, The Standard Pack covers you for sailing in coastal waters, water skiing, surfing, and scuba diving up to 18m. With our Activity Pack add-on we can cover sailing outside coastal water/off shore sailing - defined as 12 miles or more from the coastline as well as water sports such as jet skiing, scuba diving to 40m, wind surfing  or even shark cage diving!

Working as a crew member

Working as a crew member in hospitality or light manual work onboard sailing yachts, motorboats, super-yachts or cruise liners is covered automatically. If you will part taking in any sort of manual labour work our Activity Pack can cover you.


Water Sport activities included


Up to £10m Medical
Cover


Helicopter Rescue
Included


24 hour Emergency
Helpline

Sailing Travel Insurance

 

Sailing Travel InsuranceOur sailing travel insurance provides cover up to £10 million in medical expenses, 24 hour emergency medical assistance including Air Ambulance and up to £2,000,000 personal liability. All our policies cover sailing in coastal waters as standard, while our Activity Pack add-on extends cover for offshore sailing - defined as 12 miles or more from the coastline. Whether you’re flotilla sailing around Europe or heading further afield for a Worldwide trip, Big Cat’s  affordable travel insurance policy will protect you against unforeseen circumstances.

Key Benefits of our Sailing Insurance

  • Emergency Medical and Repatriation Expenses up to £10 million.
  • Personal Liability up to £2 million.
  • Helicopter Rescue.
  • Sailing outside coastal water with our activity pack add-on.
  • Baggage & Personal Effects up to £2,000.
  • Legal Expenses up to £15,000.
  • Personal Money up to £500.
  • Tickets up to £1,000.
  • Passport and Visa up to £300.
  • Money-back 21-day cooling off period if you decide to cancel prior to departure.

Some FAQ's

You are covered for any medical treatment required, and also for Air Ambulance if it is medically necessary to take you to the nearest hospital or clinic for treatment. You will also be covered for repatriation back to your home country if it is necessary that you receive further treatment at home.

Yes! We specialise in covering people who’ve already left their Home Country, as long as you haven't picked up permanent residency status in another country.

If cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. For cover to apply the Already Travelling extension must be shown on your Booking Invoice or Validation Certificate (as applicable). Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.

If you have a medical condition which is not listed above in our Automatically covered Pre-Existing Medical Conditions statement you will need to call our confidential medical screening helpline on: 01702 427 237 and declare it, usually at a small additional cost. Whilst the medical screening helpline is optional we highly recommend it as it ensures that if anything happens to you on your trip caused by your pre-existing medical condition, you are completely covered.

You will be advised whether the Pre-Existing Medical Condition may be covered, an optional additional premium may be quoted and whether any amendments will be made to the policy terms and conditions. During this process you will be asked for your personal and travel details, additionally, please have your insurance policy to hand if known. 

If terms can be provided for the condition and you elect to take up the offer of the additional cover, you will be given a medical screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid directly to the medical screening helpline.

Should you not contact the medical screening helpline or not wish to take advantage of the optional terms quoted by the medical screening helpline, you will not be covered for any claims arising directly or indirectly from a Pre-existing Medical Condition.

There is no cancellation or curtailment cover for a Pre-Existing Medical Condition of persons who are not covered by your policy such as a Close Relative, unless disclosed to the medical screening helpline by that same Close Relative and additional cover agreed.

 

Definition of a Pre-Existing Medical Condition:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have ever received treatment (including surgery, tests or investigations by your Medical Practitioner or a consultant/specialist, or prescribed drugs/medication).

 b) Any Medical Condition for which you (or any other person not necessarily travelling but upon whom travel depends such as a Close Relative) have received surgery, in-patient treatment or investigations in a hospital or clinic within the last twelve months, or prescribed drugs/medication.

You do not need to call the medical screening helpline in respect of the following automatically covered pre-existing medical conditions, as they are automatically covered at no additional premium provided you do not also have a pre-existing medical condition. If you have a pre-existing medical condition in addition to any of the following automatically covered pre-existing medical conditions all conditions will be excluded from cover, unless disclosed to the medical screening helpline and additional cover agreed in writing.

Acne,
ADHD,
Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years,
Allergic rhinitis,
Arthritis (the affected person must be able to walk independently at home without using mobility aids),
Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),

Blindness or partial sightedness,

Carpal tunnel syndrome,
Cataracts,
Chicken pox – if completely resolved,
Common cold or flu,
Cuts and abrasions that are not self-inflicted and require no further treatment,
Cystitis – provided there is no on-going treatment,

Deafness,
Diabetes (which is controlled by diet or tablets only),
Diarrhoea and vomiting – if completely resolved,

Eczema,
Enlarged prostate – benign only,
Essential tremor,

Glaucoma,
Gout,

Haemorrhoids,
Hay fever,

Ligament or tendon injury – provided you are not currently being treated,

Macular degeneration,
Menopause,
Migraine – provided there are no on-going investigations,

Nasal polyps,

PMT,

RSI, Sinusitis – provided there is no on-going treatment,

Skin or wound infections that have completely resolved with no current treatment,

Tinnitus,

Under active Thyroid (Hypothyroidism),
Urticaria,

Varicose veins in the legs.

 

To declare any pre existing medical conditions not listed above, please contact our medical screening helpline on 01702 427 237.

Yes, we can cover cruises.

There are no restrictions or exclusions with any of our policies pertaining to cruising or long-term travel by ship.

Area 1: UNITED KINGDOM ONLY
Whilst insurance is available for holidays in the United Kingdom, Section A. Medical Expenses and Personal Liability. 1. Medical and Associated Expenses, 2. In Patient Benefit and 3. Criminal Injuries Benefit shall be inoperative if an Insured Person’s Home Country is the United Kingdom.

Area 2: EUROPE
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary, Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.

Area 3: AUSTRALIA and NEW ZEALAND
(a) For any period of cover purchased Area 3 can include a 48 hour stop-over anywhere in the World for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 3 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 4: WORLDWIDE EXCLUDING NORTH AMERICA
North America means the USA ,Canada & Mexico.
(a) For any period of cover purchased Area 4 can include a 48 hour stop-over anywhere in the world for both outward and return travel.
(b) If the period of cover purchased is two months or more Area 4 can be extended to include a maximum of 7 days/nights anywhere in the World.

Area 5: WORLDWIDE INCLUDING NORTH AMERICA
Includes travel to the USA, Canada & Mexico.

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. © 2018 Big Cat Travel Insurance Services.  All rights reserved.