Frequently Asked Questions

1. How much does a policy cost?

Prices start from £15.75 but vary by destination, duration and the options you choose. Get a quote here.

2. Who can buy it?

Short Break Insurance's annual multi-trip travel insurance is available to UK residents only and is designed for frequent travellers.

3. What am I covered for?

We cover holidays, leisure trips and business trips (if you select that option). We focus cover on medical & repatriation expenses and cover a wide range of adventure activities. For detailed benefits and exclusions, please see What we Cover and read the Policy Wording

4. How can I buy a policy?

You can only buy our policies online using a credit card. We accept Visa or Mastercard.

5. What if my trip is longer than 31 days?

Our Annual Multi-trip insurance policy is designed for short breaks only, so trips with a scheduled duration of more than 31 days will NOT be covered under this policy, and you should arrange separate insurance for the whole duration of these trips.

6. Am I covered for Asthma or other medical conditions?

Short Break Insurance does NOT cover pre-existing medical conditions. You can still take out a Short Break Insurance policy with a pre-existing condition, but we won't cover any claim made directly or indirectly as a result of a pre-existing medical condition.

Definition of a Pre-Existing Medical Condition:
Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy and/or booked a trip. This applies to you, your travelling companion, an immediate relative or someone upon whom your trip depends.

7. Are my digital camera and other valuable items covered?

Yes, these are covered automatically if you purchase a Gold level policy (Individual item cover is £250 with a valuables limit of £400 and an overall cover limit for your personal possessions of £2,000). If you choose a Bronze or Silver policy, these are covered only if you include the option for Baggage & Personal Belongings and pay the additional premium, please note different cover limits apply.

8. Is the transaction secure?

Yes. Short Break Insurance uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal.
More information on this can be found at www.thawte.com but you can be assured that your transaction is at least as safe as any other normal offline credit card transaction.

9. What countries do you consider to be part of Europe?

If you are selecting Europe as your destination, you are covered for travel within the following countries:

Albania, Andorra, Austria, The Azores, Belgium, Bosnia, Bulgaria, The Canary Islands, The Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Greece, Germany, Hungary, Iceland, Israel, Italy, Lapland, Liechtenstein, Luxembourg, Madeira, Malta, Mediterranean Islands, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey and territories formally known as USSR west of the Ural Mountains.