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Long Stay, Classic & HIV FAQs
The following frequently asked questions are only applicable to our Long Stay, Classic and HIV Specialist policies, beginning with policy number IT
If I caught COVID-19 abroad, would I be covered?
Yes, all It’s So Easy policies include cover for emergency medical expenses which includes those associated with COVID-19 whilst abroad.
Who underwrites your Classic and HIV policies?
These insurance policies are underwritten by Millstream Underwriting Ltd, authorised and regulated by the Financial Conduct Authority FRN 308584.
Who is eligible to buy a policy with It’s So Easy Travel Insurance?
Our policies are available to you if you are permanently resident in the United Kingdom (UK) and registered with a general practitioner (GP) in the UK.
Do I need to declare all of my pre-existing medical conditions?
Yes. In order for your cover to remain valid, you need to declare any pre-existing medical condition that falls within our declaration questions. If you fail to disclose relevant medical information then you may not be fully covered in the event of a claim.
Which conditions are automatically covered?
Some of our policies include a list of medical conditions that are automatically covered at no additional charge which is displayed during the quote journey. However, if you need to declare a condition that is not on this list – You will also need to include your automatically covered condition in your medical screening to ensure you are fully covered in the event of a claim.
Do you need to know the names of the medication I take?
We do not need the names of the medication or the dosage, only the condition that the medication is prescribed to treat or prevent.
Am I covered for cancellation if the Foreign, Commonwealth & Development Office (FCDO) advises against all or all but essential travel?
Yes, you are covered for cancellation if you have to cancel your trip as a result of the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO), the World Health Organisation (WHO) or similar body issuing a directive prohibiting all travel or all but essential travel to the country or specific area or event to which you were booked to travel, providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later). Cover is not provided under this section for circumstances known prior to purchase, such as COVID-19.
Am I covered for cancellation due to COVID-19?
Cancellation is covered if you or a travelling companion becomes ill or injured, or develops a medical condition before your trip (including being diagnosed with an epidemic or a pandemic disease such as COVID-19). However, cover is not provided for any quarantine that applies generally or broadly to some or all of a population or geographical area, or that applies based on where the person is travelling to, from or through.
Should I wait until my treatment is finished before applying for travel insurance?
Applying for travel insurance once you have finished treatment could, in some circumstances, reduce the premium and make the cover easier to obtain. However, if you need the cover to start whilst you are still receiving treatment because you have a holiday booked and need cover for cancellation, you will need to declare the treatment and we will quote accordingly.
Am I covered for sports and activities?
We organise sports and activities into two categories according to risk. Those in L1 are covered as standard at no additional charge. If your activity is in category L2, please ensure this is included in your quote.
Do you cover cancellation and curtailment?
We offer two levels of insurance cover – Standard or Enhanced. Cancellation and Curtailment cover is available up to £3,000 or £5,000.
Can I extend my cover if I decide to stay longer?
It may be possible to extend your policy once you are away but only up to the maximum trip duration that we allow, and providing your insurance has not already expired. We cannot issue a new policy after you've started the trip. If you want extended cover, please contact us by telephone quoting your policy number.
What is the maximum trip length?
Single trip cover is available up to 365 days. Annual multi-trip policies can be purchased for 31, 45 or 60 days per trip.
How do I change an existing policy?
If you need to amend your policy because you have noticed a problem or error with your documents, want to amend the name of an insured person, add a new person to the policy, purchase an additional cover option or tell us about a change in your health or medication, please contact us by telephone so we can update our records and arrange to send your amended documentation by post or email.
How do I renew my annual multi-trip cover?
We will send you a renewal letter in the post to let you know that your annual travel insurance is about to expire. None of our policies are automatically renewed. You can renew online or by calling our UK based call centre. Due to the nature of our policies, we will be required to recap some questions and any medical details.
Can you insure a child under 18 on their own policy?
Children under 18 must have at least one named adult on the policy. The child is covered providing he or she is travelling with at least one of these adults.