Select and Cover

Think about your personal circumstances, and whether you need 3 or more of the options available.

Make sure you're not duplicating cover. For example, you may already have an annual travel insurance policy that won't run out for months, or your mobile phone package may already include insurance.

If you're looking to be covered for something specific, then check full details of what the policy covers in the Terms and Conditions.

It runs month-to-month, so you'll never have to worry about your policy running out because you haven't renewed it. If you like, you can change your options on the anniversary of your policy, or can cancel at any time with no exit fee. Just check the Terms and Conditions to see how this works.

Keep in mind, Worldwide Travel cover ends on the anniversary after you reach the age of 70. Starter Life cover ends on the anniversary after you reach the age of 50.

If you take out a policy it will also cover:

• your spouse, domestic or civil partner who lives with you at the same address

• any dependent children under 18 years of age who live at home with you

• any children under 23 if still in full-time education and living at home with you outside of term time

There's no need to complete lengthy medical declarations or make regular disclosures. And in most cases, sudden and unexpected changes will be covered by this Select and Cover policy, whether it’s related to an existing condition or a new condition.

There are some circumstances we won’t be able to cover, based on your health. Each time you travel you should check your circumstances are covered under the ‘Your health' section in the Terms and Conditions. For further support, give us a call on 0345 051 1351.

If we can't cover you, then you may be able to get cover from a specialist insurer. The MoneyHelper has a list of these insurers, you can check its travel directory.

Please note, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before getting cover elsewhere.

Yes, you can make unlimited changes to your selection within an initial 30-day cooling off period from the start of your policy.

We’ll also send you an annual reminder to review your policy and check it’s still right for you. For 30 days before your policy anniversary you can make unlimited changes to your selection. Changes will become effective from your policy anniversary.

In between the cooling off period and the anniversary window, you can also add 1 and remove 1 option from your selection, as long as you maintain a minimum of 3 options. The same applies in the periods between each subsequent anniversary window.

You can cancel your policy at any time with no exit fee – just check the Terms and Conditions for Select and Cover to see how this works.