Asthma controlled by no more than 2 inhalers is automatically covered with all of our policies. There's no need to declare it.
(Diagnosis must have been made when the affected person was under the age of 50)
0333 003 3161
Where do you live
All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.
Can I take out this insurance if I am already travelling?
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.
There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.
family
family family
Definition of a couple
A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.
If you do not qualify as a couple, please select individual(s)
Annual Multi-Trip Durations
Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.
Annual Multi Trip trip limits:
Standard policy - 30 days
Premier policy - 70 days
If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.
One Way Trip
Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:
Emigrating to new country where you intend to permanently live
Or
Returning to your home country permanently
All cover ceases upon arrival at final destination
Trip Type
Select the type of policy most suitable for your needs.
Single Trip:
A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.
One Way Trip:
Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination.
Annual Multi-Trip:
This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days.
If you are already travelling it is not possible to purchase the annual multi-trip policy.
Geographical Areas
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 Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.
Australia & New Zealand:
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide excluding North America & Mexico:
(North America means the USA, Canada & Mexico.)
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide including North America & Mexico:
Worldwide means anywhere in the World including the USA, Canada & Mexico.
To
Automatic Trip Extension
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack.
Please ensure you arrange cover for the entire duration of your travel
Where you normally reside
Where do you normally reside? Where do you normally reside?
Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad.
Do you have minimum residency requirements?
No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.
Age Restriction Error
We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.
Scuba Diving
One of the best aspects of travel to far-flung destinations is the chance to experience some awe-inspiring activities. Whether you are backpacking round the world, on a Gap Year, or just fancy some adventure on your holiday, there’s not much that can beat the sheer variety and thrill of scuba diving. Imagine swimming through a tornado of barracuda, or drifting alongside green turtles, manta rays, inquisitive sharks or mighty whales.
Best of all, there’s so many sites to choose from in so many different parts of the world. As well as all the world-famous dive locations such as Australia’s Great Barrier Reef, Egypt’s Red Sea, or the Galapagos Islands, there is a wealth of lesser known but just as fascinating sites such as Sipadan Island in Malaysia, Lembongan in Bali, or the Shark Hole in French Polynesia. Top of the wish list for many divers is to explore the sunken wreck of the SS Yongala off Australia’s Queensland coast, or to follow the Sardine Run on the Aliwal Shoal of South Africa. But also check out some superb dive sites in Cozumel Mexico, Roatan and The Bay Islands in Honduras, the Blue Hole in Belize, and Blue Corner Wall, Palau, in Micronesia.
Scuba Diving Travel Insurance
Whatever you choose or wherever you wish to dive, you need to make sure you have the right travel insurance and the appropriate cover for the depth of dive. All of Big Cat’s standard policies cover you for a depth of up to 18 meters. But if you plan to go deeper then you’ll need to opt for our Activity Pack or Extreme Activity Pack insurances which will cover you up to a maximum depth of 40 meters. For your safety we require divers to hold a British Sub Aqua Club certificate or equivalent and follow the relevant Club rules and guidelines at all times. Alternatively you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times. Furthermore no air travel is permitted within 24 hours of scuba diving to avoid any risk of decompression sickness (DCS).
Some FAQ's
Residents of the United Kingdom MUST enrol with MEDICARE should you require medical treatment in Australia. Registering can be done after the first occasion on which you receive treatment at www.humanservices.gov.au/customerjects/medicare-services. In Patient and out-patient treatment in a public hospital may then be subsidised. Should you be admitted to hospital then immediate contact must be made with the Medical Emergency Assistance Service and their authority obtained in respect of any treatment not available under MEDICARE before such treatment is provided.
Your failure to register with MEDICARE or to contact the Medical Emergency Assistance Service may result in a claim being reduced or declined.
To declare any pre-existing medical conditions, please visit our online medical screening service.
If you would rather undergo your medical screening by telephone, please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.
This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have, as defined by your Big Cat policy wording.
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,
please visit our online medical screening
If you would rather undergo your medical screening by telephone,
please get in touch with us on 01702 427237 and any of our agents will be happy to assist you.
This is a secure and confidential service which allows you to declare any pre-existing medical conditions you may have,
as defined by your Big Cat policy wording.
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.
