Frequently asked questions for pre-existing medical condition policies issued on behalf of OK To Travel
Who is eligible to purchase an OK To Travel policy?
OK To Travel policies are only available to permanent UK residents who are registered with a GP in the UK. Cover is not available to residents of the Channel Islands or IOM. You must be fit to travel at the time of purchasing insurance cover.
Do you cover cancellation due to COVID-19?
Premier, Premier Extra and Premier Plus policies include cancellation cover if you, your travel companion, or any person you have arranged to stay with during your trip receives a diagnosis of coronavirus within 14 days of the start of your trip or in the case of being admitted to hospital due to coronavirus within 28 days of the start date of your trip.
Will I covered if I travel against FCDO advice?
None of OK To Travel's policies will provide cover for travel to a country or destination where the Foreign, Commonwealth & Development Office are advising against all or all but essential travel. If you have an essential reason for travel please contact us in the first instance to discuss your requirements.
All travellers should check the latest FCDO travel advice for their chosen destination at gov.uk prior to purchasing insurance or travelling. There will be no cover under this policy if you travel to a country or area where the Foreign, Commonwealth & Development Office (FCDO) or government are advising against all or all but essential travel. There is no cancellation cover if you are unable to travel due to the FCDO or government advising against all or all but essential travel.
OK To Travel policies cover cruises as standard. If you require additional cruise cover benefits such as cabin confinement and missed port departure, you'll need to add the cruise extension during the quote journey. This optional cover is available on annual multi-trip policies or single trips up to 31 days in duration.
Who underwrites OK To Travel insurance policies?
Are there any age restrictions?
OK To Travel do not have any age restrictions for single trips up to 92 days or on annual multi-trip policies. For single trips lasting more than 92 days, there is an age limit of 75 with an upper duration limit of 184 days. (Children under the age of 18 must be insured with an adult).
When should I start my policy?
We cover you from the time you start your trip right up until the day you return back to the UK, (except for cancellation cover which starts when you buy the policy and ends when you start your trip).
Will I be covered it I test positive for COVID-19 abroad?
If you test positive for COVID-19 whilst travelling and require emergency or necessary medical treatment, this will be covered by your OK To Travel insurance policy providing you did not travel against the advice of the Foreign, Commonwealth & Development Office or Government.
Customers should be aware that this is a travel insurance policies and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.
Policies will provide cover for repatriation (bringing you home) that is medically necessary. The assistance team will liaise with your treating doctor(s) about your treatment plan and if required obtain a ‘fit to fly’ certificate. We also liaise with you, advise on, and put in place, suitable repatriation plans to get you home as soon as it is medically safe to do so in order to achieve your optimal recovery.
How can I pay for my travel insurance?
We accept all major debit and credit cards except American Express.
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.
Can I cancel a policy after I've paid?
A 14 day cooling off period is provided with all payments, providing you have not travelled or claimed.
How will I receive my travel insurance documents?
If you complete your purchase online, documents will be sent to the email address provided. Please call us if you would like a copy by post.
What is the maximum trip length?
We offer single trip policies up to 184 days duration and annual multi-trips cover for 365 days with a maximum duration of 31 days per trip. Available durations may vary depending on age, please see our policy wording to find out more.
Can my policy be extended if I need to stay longer?
Providing you have not made any claims against your policy, and still fall within our duration restrictions, we can extend your policy. An additional premium may be required depending on the length of your trip. Please contact us by telephone to make any amendments.