Please select ALL destinations you will travel to

Europe

USA, Canada
Caribbean, Mexico

Somewhere
Else

Areas we cover

Europe
Select for the continent of Europe west of the Ural Mountains including the Republic of Ireland, the Isle of Man, Channel Islands and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores, including Spain, The Canaries, Turkey, Cyprus, Malta and Switzerland. For residents of the Isle of Man and Channel Islands travelling to the United Kingdom, the United Kingdom shall be considered as Europe.

USA, Canada, Caribbean and Mexico
Select for travel to USA, Canada, Caribbean and Mexico.

Somewhere Else
Select for anywhere else in the world.

Please note:
No cover is provided for trips where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign and Commonwealth Office have advised against all but essential travel.

What type of cover do you need?

Single Trip

Annual
Multi-Trip

Choosing a trip type

Single Trip Travel Insurance
Covers you for a single trip for up to 45 days.

Annual Multi-Trip Travel Insurance
Covers you for any number trips in a year. We will cover you for up a maximum to 45 days per trip.

Please note:
If you purchase the winter sports upgrade on an annual multi trip policy, this only covers 17 days in each period of insurance.

When would you like cover to start?

Today

Tomorrow

Choose Date

Choose a different

Start Date

Choosing your policy start date

Please be aware that for Single Trip policies the cancellation cover will commence from the date you purchase your policy. For Annual Multi-Trip policies the cancellation cover will commence on the start date of the policy. Single trip policies can be purchased 365 days in advance of travel. Annual Multi-Trip policies can be purchased 90 days in advance of the policy start date.

How long is your trip?

5 Days

7 Days

14 Days

Choose Date

Choose a different

End Date

How long is your trip?

You can choose to cover up to 45 days for a single trip

Who do you want to insure?

An Individual

A Couple

Single Parent
Family

A Family

A Group

Who do you want to insure?

An Individual
Select this if you are travelling alone or only require cover for yourself.

A Couple
This will cover a couple who have been living together for at least six consecutive months prior to commencement of the Period of Insurance.

A Single Parent Family or Family
This will cover a single parent / grandparent or two parents / grandparents travelling together with their child / children (under 18 years in full time education) and non-related children who are travelling as part of a family group.

A Group
Select this if you require cover for more than one person and none of the above categories apply.

No. of Travellers:

Traveller 1 DOB:

Please enter the age of each traveller on the date you purchase the policy

We will provide cover up to the following maximum ages:
Customers travelling to USA, Canada, the Caribbean or Mexico: .
Customers travelling to Europe or worldwide but not to USA, Canada, the Caribbean or Mexico: .

Do you need to declare any pre-existing medical condition(s) with Emerald Life?

What is a pre-existing medical condition?

For the purposes of this insurance, a pre-existing medical condition is considered to be:

Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation.
Any illness for which you have received a terminal prognosis; any heart, heart-related or circulatory condition; any respiratory condition; any stress, anxiety, depression; any other psychological condition or any cancerous condition.
We can not offer you cover if you have any undiagnosed symptoms (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, or where the underlying cause of the symptoms has not been established).

What if I am HIV+?

If you are HIV+ and:

On antiviral treatment for more than three months and no new antiviral drug is planned, and
Your CD4 count exceeds 350 or you have been advised by a doctor that CD4 monitoring is not necessary, and
Your latest viral load is less than 50mls or undetectable,

then you do not need to declare HIV as a pre-existing medical condition, and if that is your only medical condition then you do not need to go through medical screening. If you do not meet the conditions above or have other pre-existing medical conditions, then you will need to continue the medical screening and declare those pre-existing medical conditions.

How do I answer the pre-existing medical conditions question if I am transgender?

The purpose of this question is to clarify if you have any conditions that might need to be declared and/or which might (only might) result in increased premiums. Not all conditions increase the risk of falling ill while you are travelling but some might.

If you have seen a specialist, consultant or doctor in the last 12 months, you will need to call us on 0333 234 3721 and proceed to the medical screening process.

In the medical screening process, you are asked about pre-existing medical conditions and procedures. To be clear, there is no ‘condition’ of being trans and this will not come up in the screening process. If you are trans, there may be certain specific procedures you have had as part of transitioning which may increase your risk of falling ill while travelling, and which therefore should be disclosed as part of the application process. Pre-existing conditions or procedures will not necessarily mean that your premium will increase, but they must be disclosed to allow us to accurately calculate the correct premium. If you go through the medical screening process and list specific conditions and procedures, then you have met the requirements of the screening process even though you have not stated that you are trans. Claims will not be declined simply because you are trans and this was not disclosed in the application process. For example, if you have entered ‘vaginal reconstruction’ as a procedure in the last 12 months, there is no question about the purpose or reason behind the procedure. Similarly, if you have entered ‘mastectomy’, then there will be a question on incidence of breast cancer but otherwise no question about the purpose or reason behind the procedure.

Other excluded medications or circumstances

PrEP
You do not need to tell us if you are taking PrEP, provided that you have not previously had a positive test result for HIV. If you have previously had a positive test result for HIV, then please see the question above “What if I am HIV+”.

Birth Control
You do not need to tell us if you are on birth control tablets, unless this has caused any health issues.

If you have any condition not covered above, or if you need any assistance getting a quote, please contact our friendly and helpful team on 0333 234 3721 for a tailored quote.

The Emerald Difference

Hassle-Free Cover
• 1,000s of medical conditions covered
• No need to declare your HIV status
• Cover for single parent families & groups

Help when you need it
• 24/7 helpline if you're detained or assaulted
• Extra kennel costs for pets if delayed

Get the right options
• Cruise Cover
• Gadget upgrade
• Winter sports cover

Policy Documentation

Comprehensive Cover

COVER FOR TRAVELLERS AGED UP TO 74*

UP TO £5,000 CANCELLATION & CURTAILMENT

UP TO £2,000 BAGGAGE & PERSONAL EFFECTS