You need to be a permanent UK resident registered with a UK GP, and your trip must start and finish in the UK. British citizens living abroad aren’t eligible. There are also the following age limits for different cover options:


• Single trip: 18–90 years
• Annual multi-trip: 18–80 years
• Winter Sports add-on: up to 64 years (for both Single trip and Annual multi-trip)

For the purpose of this policy, UK is defined as England, Wales, Scotland, Northern Ireland, Isle of Man and Channel Islands.

You can get cover across the UK, Europe, and Worldwide. For Worldwide cover, you can choose a policy that includes the USA, Canada, Mexico, and the Caribbean, or one that excludes these countries.

United Kingdom

England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

Europe

Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia & Herzegovina, Bulgaria, Canary Islands, Corfu, Corsica, Crete, Croatia, Cyprus, Czech Republic, Denmark, Eire, El Hierro, Estonia, Faroe Islands, Finland, France, Fuerteventura, Georgia, Germany, Gibraltar, Gozo, Gran Canaria, Greece, Guernsey, Holland, Hungary, Ibiza, Iceland, Ireland, Isle of Man, Italy, Jersey, La Gomera, La Palma, Lanzarote, Latvia, Lesbos, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Majorca, Malta, Menorca, Minorca, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Rhodes, Romania, Russia, San Marino, Sardinia, Serbia, Sicily, Slovakia, Slovenia, Spain, Svalbard, Sweden, Switzerland, Ukraine, Vatican City State, Zante.

Worldwide excluding USA, Canada, Mexico and the Caribbean

Worldwide including USA, Canada, Mexico and the Caribbean

Before travelling, make sure to check the latest travel advice from the Foreign, Commonwealth & Development Office (FCDO) for your destination. We do not cover travel to a country or specific area where the Foreign, Commonwealth & Development Office (FCDO) or any other regulatory authority has advised against all or all but essential travel.

For Annual multi-trip policies, you’ll have unlimited trips throughout the year, each no longer than 32 days long. For Single trip policies, this depends on your age:

• 65 or under: up to 365 days
• 66–74: up to 183 days
• 75–85: up to 31 days
• 86–90: up to 14 days

Please note, for Single trip policies cover is provided for the period of the trip and finishes when the trip ends, providing the trip doesn't exceed the period shown in the policy schedule.

We consider pre-existing medical conditions, which you’ll just need to declare when getting your quote. Then, you’ll be told whether you can be covered and if any additional premium is needed.

For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers. To find out more contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.

1. Any of the medical conditions listed below, that in the last 5 years:

• you have suffered from; or
• you have received medical advice or treatment for (this includes surgery, tests, investigations by your doctor / consultant / specialist); or
• You have been prescribed drugs or medication for:
  • Any cancer condition.
  • Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol).
  • Any diabetic condition.
  • Any neurological condition.
  • Any breathing condition.
  • Any renal, kidney or liver condition.
  • Any psychiatric or psychological condition (including anxiety, stress and depression).

2. Any other medical condition which in the last 12 months:

• you have been prescribed medication for
• or you have received or are waiting to receive treatment for (this includes surgery, tests, or investigations).

A wide range of Sports and Activities are covered as standard on all the policies. This is without any additional cost, provided you are participating on a recreational and non-professional basis during any trip, following local laws and regulations, and using any recommended safety equipment.

A full list of Sports covered as standard and any exclusions can be found in the policy wording under "Sport and Other Activities". You should check this list to ensure you are covered before participating.

Winter Sports cover may be available to purchase at an extra cost. This ensures you have medical cover and additional cover while participating in these specific sports. This includes cover for off-piste skiing if you’re with a guide and have the right policy option.

Cruise Cover may be available to purchase at extra cost to provide more cover for those specific trip types.

Limits, excesses and exclusions apply. For full details, please refer to your policy wording.

If you have a medical emergency, please contact the local emergency services first. Once you’re safe and have received any urgent medical attention, call the friendly 24/7 Emergency Medical Assistance Team on 0330 678 3487

Firstly, check your Policy Certificate and Policy Wording to see what’s covered.

Report the loss or theft of your passport to the local police as soon as possible. You will need to obtain the crime reference details they provide for the Lost or Stolen Passport Notification form.

To make a claim for your bag and its contents, you’ll need to obtain a written report from the police or relevant authority within 24 hours of it happening. This is essential to make a claim – without it the claims team cannot make any payment to you.

Once you’re home, please get in touch with the Claims team on 0330 678 3483. 

You can cancel your policy at any time.

• Full refund: Cancel within 14 days of either the policy purchase date or the receipt of your policy documents (whichever is later), provided you haven’t travelled, or made a claim, or intend to make a claim.
• Single trip – after 14 days: You can receive a partial refund if you haven’t travelled, made a claim, or intend to make a claim.
• Annual multi-trip – after 14 days or after renewal: You can receive a partial refund based on the number of complete months remaining on your policy, provided you are not on a trip at the time and no claim has been made since the policy was issued or renewed, and you do not intend to make a claim.

To cancel any policy, contact SunLife Travel Insurance on 0800 091 3770 or email sunlifetravel@rockinsurance.com.