Travel insurance

Travel insurance

Great value cover to suit your holiday,
including medical expenses

Policy documents

Please read all of the information relating to your policy before you buy AA Travel Insurance.

For policies purchased from 5 November 2014+

For policies purchased from 27 November 2013 to 4 November 2014+

For policies purchased from 1 September 2013 to 26 November 2013+

For policies purchased from 1 April 2013 to 31 August 2013+

For policies purchased before 1 April 2013+

AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales no. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.

AA Travel Insurance

Frequently asked questions

Travellers

Can I purchase AA Travel Insurance if I don't live in the UK?

No. The policy only covers UK residents, so non-UK residents are not covered. The UK is defined as England, Wales, Scotland, Northern Ireland and Isle of Man.

Do you have personal liability cover for holiday accommodation?

Personal liability cover is included for temporary rented holiday accommodation, but not if you own the overseas property, or you have the property on any other type of hire.

Is terrorism covered?

Terrorism is excluded from all sections except for the Emergency Medical and other expenses section, Personal Accident section and Hijack section (where cover is provided as part of the policy). If the terrorist act involves a nuclear device or a chemical or biological agent, there is no cover at all.

Are the benefits per person?

The benefits are per person unless stated otherwise. The personal liability benefit limit is per event, and the emergency car-hire limit is per party. In the personal possessions, luggage, money and passport section, cover for tools, spare-parts kit, warning triangle, emergency windscreen and snow chains is per party, as is the cover for personal possessions left in a vehicle being recovered to the UK. All other benefit limits are per person.

When does the delayed baggage benefit come into force?

If your baggage is delayed for more than 12 hours after your arrival overseas at your final destination, there is cover up to £200 to replace essential items of toiletries, medication and clothing. If your property is lost permanently, any payment made under delayed baggage will be deducted from the eventual claim for loss, damage or theft.

Am I covered to work or study in Europe?

Paid manual work of any kind and professional entertaining are both excluded from policy cover. Study overseas can be covered but does not include any professional liability cover or any excluded activity.

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Sports and activities

Is sailing covered as an activity?

Pleasure sailing is covered but only within internationally recognised territorial waters. Ocean sailing, sailing in any international waters or competitive sailing is excluded.

Can we extend our winter sports cover beyond 17 days on annual multi-trip cover?

An annual multi-trip policy with the winter sports option includes up to 17 days of winter-sports activities during the period of insurance. This cannot be extended, so if you would like winter sports cover for a longer period please opt for single-trip cover.

If I get hurt while skiing and have not taken out winter sports cover, would I be covered?

No, you would not be covered for medical costs. Winter sports cover does not just add on the specific winter sports (see the policy booklet). It is excluded from all sections of the policy unless your policy schedule shows you have bought winter sports cover.

Is cross-country skiing covered?

Pleasure skiing of this type is covered if the policy holder is accompanied by a qualified guide or instructor but cross country skiing is not covered if it is competitive or the policy holder is skiing against local authoritative advice or warning.

Do I need winter sports cover for hockey?

Ice hockey is an excluded activity, as is organised team hockey.

Is there cover for water sports?

There is no cover for motorboat or powerboat racing/rallying, nor for high diving or diving with sharks. There is no cover for any sub aqua activity below 30 metres and all underwater swimming is excluded unless you are a qualified diver who is diving accompanied or you're diving with a qualified instructor.

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Your health

What if I'm not sure if my medical needs are covered?

If any of the conditions listed in the medical declaration on our website apply to you, we recommend that you call one of our advisers.

Am I fully covered if I had cancer two years ago?

If you have received treatment for cancer in the last two years, please ensure this is declared during your purchase to ensure the correct cover is applied. If in doubt, call us on 0800 912 5002.

Do you cover angina?

Angina must be risk assessed for all destinations. If any of the conditions listed in the medical declaration on our website apply to you, we recommend that you call one of our advisers.

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AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales no. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.

Financial Failure Holiday Protection

Financial Failure Holiday Protection is now included as standard in all travel insurance policies from the AA.

It provides cover for the insolvency of any travel arrangements independently booked in the United Kingdom or Isle of Man (not forming part of an inclusive holiday) and not bonded or insured already. These arrangements would include:

  • scheduled airlines
  • hotels
  • car ferries
  • villas abroad and cottages in the UK
  • railway journeys including cross-channel services
  • coach journeys
  • cruises not bonded
  • car hire
  • caravan sites or campsites
  • mobile homes
  • camper rental
  • safaris
  • excursions
  • theme parks

If the insolvency occurs while you are on holiday, you can claim for additional costs which you have incurred such as arranging replacement services or the cost of returning home if curtailment of the holiday is unavoidable.

Please read the Travel insurance policy wording for full details.

AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales no. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.

How to make a claim on your travel insurance

The instructions on how to claim on your policy depend on when you took out your travel insurance


How to make a claim if your policy starts with AA

For policies taken before 5 November 2014


How to make a claim if your policy starts with CAA

For policies taken out on or after 5 November 2014

AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales no. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.

Tips on claiming

Cancellation

If cancelling due to a medical reason, make sure you see a doctor for them to confirm whether it's medically necessary. We can't consider your claim without this confirmation from your doctor.

For cancellation due to any reason you should cancel at the earliest possible opportunity – cancellation charges increase the closer you get to the departure date for your holiday.

Call our Claims Team as soon as you can after cancelling – they will be able to take you through what information is needed to claim and give you an indication of whether your circumstances are covered.

Curtailment – coming home early

If you need to come home early because of a medical condition you should see a doctor and get written confirmation of the reason why they are advising you to return and why it is medically necessary. We won't be able to consider your claim without this.

If you need to come home early due to the illness, injury or death of a close relative, we will need confirmation of their condition from their GP. We will also ask for clarification as to whether their health was stable at the time of booking your holiday and taking out your insurance.

Call our Claims Team as soon as you can after you return home – they will be able to take you through what information is needed to claim and give you an indication of whether your circumstances are covered.

Baggage

If you suffer a theft on holiday you should report the matter to the local police and get a written report from them. A crime has been committed so you need to report it and we will ask for the written police report when you make your claim.

If you lose something while on holiday, consider where you may have lost in and anywhere it could have been handed in. Report it to any party or place where you think it might have gone missing and get a record in writing. This will help with your claim.

If anything happens to your luggage while it's checked in, you must report it to the airline and get a Property Irregularity Report (PIR). Try to do this while your airport or as soon as possible if you notice the problem after you've already left. If you want to claim from the airline directly, they may need you to follow up in writing within 7 days. You should check with them what their requirements are.

If your baggage is delayed on your outbound flight for more than 12 hours, we cover for your replacement of emergency items such as clothes, toiletries and medication up to the limit in the policy. You should retain the receipts for all of your purchases. This is because we only cover items where a receipt is provided.

Call our Claims Team as soon as you can after you return home – they will be able to take you through what other information is needed to claim and give you an indication of whether your circumstances are covered.

Loss of passport/essential travel documents

If your passport or other essential travel documents are lost or stolen during your trip you should report the matter to the police or consulate as soon as possible. You will need proof of the incident to make you claim.

You should also obtain replacement or temporary documents as soon as possible. This will help you return home without disruption to your plans.

Call our Claims Team as soon as you can after you return home – they will be able to take you through what other information is needed to claim and give you an indication of whether your circumstances are covered.

Medical

If you have an accident or are taken ill abroad our Emergency Medical Helpline is there to help you, and you should call on +44 (0) 20 8763 3079, lines are open 24 hours a day, 365 days a year. You should call our medical helpline team at the earliest opportunity. If you are looking for outpatient treatment only, you should call before you have the treatment. They will be able to direct you to the best place for your care.

Retain all receipts, invoices and reports that you are given. These will help you when you come to submit your claim.

If public treatment is available you should be take this option for your treatment. If you are offered a choice between a public or private treatment and you opt for private treatment, we may not cover your claim.

Call our Claims Team as soon as you can after you return home – they will be able to take you through what other information is needed for you to make a claim for any out-of-pocket expenses you may have and give you an indication of whether your circumstances are covered. On top of this your policy also provides a hospital benefit for any inpatient stay over 24 hours.

Travel delay/enforced stay/travel disruption/missed departure

If anything happens to disrupt your journey you should get confirmation of the reason and length of the disruption from the provider. We can't consider your claim without this.

If you are claiming additional costs rather than a fixed benefit, be sure to keep all receipts.

Call our Claims Team as soon as you can after you return home – they will be able to take you through what other information is needed to claim and give you an indication of whether your circumstances are covered.

Requirements for claims

For all claims, you will need an original booking invoice for your holiday showing dates of travel.

For other claims, you will need the information below.

Cancellation claims

  • Original booking invoices from tour operator and travel agent.
  • Original cancellation invoices from tour operator and travel agent.
  • For other pre-paid trip costs we will require proof of purchase, and where appropriate, confirmation of any refunds given.
  • Proof of reason for cancellation when reason is not medical (for medical reasons we will send you a medical certificate for completion).

Curtailment claims

  • Original booking invoices from tour operator and travel agent.
  • Documentary evidence showing the reason for cutting your trip short.
  • Evidence of additional expenses incurred in getting you home early.

Medical expenses

  • Original bills for all expenses claimed for.
  • Medical report showing diagnosis of condition.

Baggage loss or theft

  • Household insurance details.
  • Property Irregularity Report (PIR) if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss.
  • Proof of ownership – eg receipts.
  • Repair report – confirming whether the item can be repaired or not and if so how much it will cost.

Delayed baggage

  • Household insurance details.
  • Property Irregularity Report (PIR) if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss.
  • Proof of ownership – eg receipts.
  • A letter from the airline or other proof confirming the time and date the baggage was returned.
  • Receipts for your emergency replacement purchases.

Passport loss or theft

  • Household insurance details.
  • Property Irregularity Report (PIR) if loss/damage was in the care of an airline, during transit, or police report for theft or third party report for loss.
  • Proof of ownership – eg receipts
  • Receipt for the emergency passport.
  • Evidence of travel and accommodation costs incurred in obtaining the emergency passport.

Delayed departure/travel disruption

  • Evidence of the flight number, date and time of scheduled departure and actual date and time of departure.
  • Proof of reason for delay.

Missed departure/travel disruption

  • Proof of what caused the missed departure – eg public transport delay: breakdown of the vehicle, strikes, etc.
  • Original receipts for additional transport and accommodation costs incurred.

Winter sports claims

  • If claiming for unused ski pack due to injury or illness – a letter from the treating doctor, confirming the diagnosis and that this prevented you from skiing/showboarding.
  • If claiming for unused ski pack due to injury or illness – evidence of your pre-paid pack costs and the intended dates of use.
  • If claiming for Piste closure – piste closure letter showing the dates and times on which the piste was closed and reason for this.

AA Travel Insurance is a brand style of Automobile Association Insurance Services Limited (AAIS) used under licence by Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority and is registered in England and Wales no. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Information you provide will be held by Cigna Insurance Services in order to arrange and administer this travel insurance.


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