Where do you live
All persons to be insured must reside at a permanent address within the EEC ( Excluding Switzerland, Russia, Belarus, Montenegro and the Ukraine) to be eligible for cover.
Can I take out this insurance if I am already travelling?
When cover is purchased after an Insured Person has departed their home to commence their journey, there is a fixed period of 48 hours prior to cover commencing. Any illness arising during this initial 48 hour period will be an excluded Pre-existing Medical Condition. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being independently witnessed and also verified by a Medical Practitioner.
IMPORTANT
There is no 14 Day Cooling off Period and no premium refund will be made if the insured Person has already travelled.
family
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Definition of a couple
A couple is defined as 2 adults who have been permanently living together at the same address for more than six months, who intend to travel together.
If you do not qualify as a couple, please select individual(s)
Annual Multi-Trip Durations
Annual Multi Trip policies are designed for multiple short holidays leaving from and returning to your home country.
Annual Multi Trip trip limits:
Standard policy - 30 days
Premier policy - 70 days
If you need continuous cover for a year (home visits allowed on policies over 4 months long) select Single Trip or One Way. You can travel around as much as you like, to as many different countries as you like, with a Single Trip or One Way policy.
One Way Trip
Please note a Single Trip policy can cover travels with no return ticket booked, a One Way policy is intended for:
Emigrating to new country where you intend to permanently live
Or
Returning to your home country permanently
All cover ceases upon arrival at final destination
Trip Type
Select the type of policy most suitable for your needs.
Single Trip:
A flexible policy with no limits on how many countries you visit or how long you’re away for. Suitable for all types of travel whether it be short term/long stay or backpacking. No return ticket required and unlimited home visits offered on policies over 4 months long.
One Way Trip:
Means you are Emigrating to a new country where you intend to live permanently or, returning to your home country permanently. Cover will end upon arrival at your final destination. Please note: There is no cover for emergency return travel expenses if you do not have an original return ticket.
Annual Multi-Trip:
This policy covers an unlimited number of trips throughout the 12 month Period of Insurance. Each trip has a maximum stay validity depending on the type of policy chosen. For example, for Standard Policies, the maximum duration of any trip shall not exceed 30 days and for Premier policies, the maximum duration of any trip must not exceed 70 days.
If you are already travelling it is not possible to purchase the annual multi-trip policy.
Geographical Areas
Europe:
Europe means the continent of Europe West of the Ural Mountains, and includes the Isle of Man, the Channel Islands, Iceland, Jordan, Madeira, the Canary Islands, the Azores and Mediterranean Islands as well as all countries bordering the Mediterranean.
Australia & New Zealand:
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide excluding North America & Mexico:
(North America means the USA, Canada & Mexico.)
a) For any period of cover purchased, a 48 hour stop-over anywhere in the World for both outward and return travel will be included.
b) If the period of cover purchased is two months or more, a stop-over of 7 days/nights anywhere in the World will be included.
Worldwide including North America & Mexico:
Worldwide means anywhere in the World including the USA, Canada & Mexico.
To
Automatic TripExtension
If the Insured Person is prevented from completing their travel before the expiration of this Insurance as stated under the Period of Insurance on the Booking Invoice or Validation Certificate (as applicable) for reasons which are beyond their control, including ill health or failure of public transport, this Insurance will remain in force until completion but not exceeding a further 31 days on a day by day basis, without additional premium.
In the event of an Insured Person being hijacked, cover shall continue whilst the Insured Person is subject to the control of the person(s) or their associates making the hijack during the Period of Insurance of a period not exceeding twelve months from the date of the hijack.
Please ensure you arrange cover for the entire duration of your travel
Where you normally reside
Where do you normally reside? Where do you normally reside?
Please use the drop down box to choose your country of residence. Note we can only insure residents of the UK & EEA Countries.
Can I take out this Insurance if I’m already abroad?
If you are normally a resident of the UK or EEA Countries and your insurance has run out, you may take out cover online with us. This is on the understanding that nothing has occurred at the time of taking out the cover which has led to a claim or may lead to a potential claim. Note you cannot take out our Multi-Trip Insurance if you are already abroad.
Do you have minimum residency requirements?
No. If you are, for example, a British Passport holder and have right of abode in the UK, we are not concerned as to how many months in the past year you have been in the UK provided at the time of arranging this insurance you have a UK residential address.
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We are unable to quote, Please ring our Offices on 0333 0033 161 for further assistance.
Get Cover if Already Travelling
You don't need to be in your Home Country to get cover, you can buy a policy from anywhere in the world, as long as you're residential status is still in the UK. Just follow the Quote form to get a price and complete your purchase.
Extend your Travel Insurance
If at any point you realise you're not quite ready to return home, you can extend your insurance to include the remainder of your trip. Even if you don't have a Policy with us.
Extend here
Working while abroad
Non manual / clerical work is covered for free, if you'll be volunteering, WWOOFing or partaking in any sort of manual labour - our Activity Pack can cover you.
Free Home Visits
If you feel homesick at any time, so long as your policy duration is more than 4 months, you can pop home to see family and friends at any time, however many times you choose.
Cover for 156+ Activities
Whether you'll be scuba diving, jet skiing, bungee jumping, sky diving, trekking above 2,500m or kayaking. Our Activity Packs can cover various levels of adventurous sports.
Read more...
Winter Sports
Big Cat’s Winter Sports Extension provides great-value cover for those wishing to make the most of the snow. As well as standard skiing and snowboarding, you’ll be covered for cat skiing, snow skiing, cross-country skiing, off-piste skiing / snowboarding, and snowmobiling.
Cancellation & Baggage
Cover
24 hour Emergency
Helpline
Up to £10m Medical
Cover
Claim whileyou're
Travelling
It’s not uncommon for people to head off on their travels only to realise they are not insured after departure, or to find out once they are already overseas that their travel insurance is about to run out. But don’t fret, Big Cat can still provide you with suitable already travelling insurance cover even though you’re already travelling abroad, or we can extend your insurance to cover the remainder of your travels.
The easiest way to do this is to book this on our website, but there are certain conditions that must be met. Firstly, you must be a permanent resident of the UK. Secondly the policy cannot cover incidents that have already happened prior to having taken out the insurance, and no claims can be accepted for 48 hours after the policy has been issued, although in the event of a serious injury in connection with an accident, medical emergency treatment claims requiring in-patient treatment and occurring within the first 48 hours can be accepted if they are witnessed and verified by an independent third party.
Annual Multi-trip policies can not be purchased if you are already travelling.
Key Features of Already Travelling Insurance:
- Emergency Medical and Repatriation Expenses up to £10 million.
- Emergency Dental Cover.
- Cover duration of up to 24 months.
- Baggage Cover
- Gadgets & Valuable Cover
- One Way Travel.
- No return ticket requirement.
- Free Home visits.
- Policy Extensions whilst still travelling.
- 156+ Sports and Activities.
- Winter Sports Cover.
- Loss of Passport & Visa replacement costs.
Some FAQ's:
Riding a motorbike or scooter up to 125cc is automatically covered with all our policies. Riding a motorbike over 125cc can be covered with our Activity Pack Add-on.
If you are a pillion passenger on a motorcycle tour, such as the Ha Giang Loop, this is covered automatically and does not require any Activity Packs or any relevant licences.
When riding, you must always ensure you:
- Wear an appropriate crash helmet.
- Obey the Local road rules and laws
- Have the relevant licence(s) required to ride a motorcycle in the country or countries you will be riding in. If the country you’re in requires you to obtain a specific in-country licence to legally ride a motorcycle, then to be covered, you must obtain this licence.
- If all that’s required is an International Driving Permit (IDP), and you hold an IDP, then there’s no need to go about getting any more licences.
- Be aware that an IDP will only allow you to ride the same class of vehicle as your home licence allows. So, if you’re not licensed to ride a motorbike at home, you’re not licensed to ride a motorbike abroad under your IDP. It's up to you to make sure you are licensed for the type of motorcycle you hire.
- You should always ensure the bike is fully insured (motor insurance arranged by the company that owns the bike) as there is no Personal Lability cover whilst riding a bike.We cannot cover any participation in competitions or racing or any kind.
23 people found this faq useful.
Non-manual/clerical work is covered automatically with a Big Cat policy. So, there’s nothing you need to add to be covered for things like teaching, caring or nursing.
With the Activity Pack, we can also cover work of a more manual nature. This can include things like WWOOFing, partaking in community or wildlife based conservation work, charity based supervised building / renovation projects or other permitted manual work (defined below).
Cover is excluded for any activity that involves the use of industrial machinery (other than tractors) or non-domestic power tools.
6 people found this faq useful.
WWOOfing is classed as Permitted Manual Work, so with the Activity Pack, you’re covered.
(see above)
3 people found this faq useful.
Temporary return to home country (Single trip policies only) Where cover has been purchased for a total duration of 4 months or more, and you want to return to your home country during the period of insurance for any reason that is not directly or indirectly caused by arising or resulting from, or in connection with a claim under this insurance all cover under this policy will be suspended from the time that you clear customs in your home country and restarts after the baggage check in at the international departure point for the return flights, international train or ferry to the overseas destination. Any illness, disease, injuries, accidents which existed, showed symptoms or were diagnosed in the previous trip(s) during this period of insurance will not be covered in the restarted period of insurance.
26 people found this faq useful.
Yes, bar work or working in a chalet is automatically covered with all of our policies.
5 people found this faq useful.
Decide Canada’s not for you, and want to return earlier than your full period of insurance?
Other insurers will tell you to wave goodbye to your money, but Big Cat lets you claim a partial premium refund for the unused time you didn’t stay in Canada.
How does the EARLY RETURN REFUND work?
Let’s say you buy a 24-month policy to cover your time in Canada. But after nine months, you decide that Canada’s not for you, and you want to return home. You may have invested a substantial amount for your 24 months Big Cat policy, most of which you’ll now no longer need. Unlike most insurers, Big Cat is happy to offer you a partial refund on the redundant portion of your insurance as a fair’s fair consolation. Please note that travel insurance premiums are notcalculated on a pro-rata basis, as such, no refund is calculated in this manner either.
How does Big Cat calculate the amount of EARLY RETURN REFUND?
We take the length of time of the original policy and subtract the actual amount of time you have used, and payout the difference, deducting a £50 Cancellation Charge.
Are there other conditions that apply to my EARLY RETURN REFUND?
- Only applicable to 24 month IEC policies.
- We are not able to offer refunds to cover the first 6 months of the policy.
- No refund can be given on a policy where a claim has been made or is likely to be made prior to the cancellation of your Big Cat policy.
- You must be back in your home country and notify us by email of your wish to cancel the policy within 14 days of your arrival, please also provide us with proof of your return to the UK (flight ticket / e-ticket / boarding pass).
- All refund calculations are based on the base premium paid only. Add-ons are non-refundable.
Can you give an example of how much I could receive back in my EARLY RETURN REFUND?
Say you took out a 24-month budget IEC policy costing £525.24, then you wish to cancel the policy after 9 months. Our 9-month budget IEC policy costs £312.55. So we deduct £312.55 from £525.24 = £212.99
Then we apply the £50 Cancellation Charge, refunding you a total of £162.99.
9 people found this faq useful.
Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388) is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority.You may check this on the Financial Services register www.fca.org.ukor by contacting them on (0) 800 111 6768.© 2023 Big Cat Travel Insurance Services. All rights reserved.
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List of automatically coveredmedical conditions that do notneed to be declared
Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis,Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have beenmade when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication),Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasionsthat are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which iscontrolled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor,Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration,Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment,Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria,Varicose veins in the legs.
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Important information
If you have a medical condition in addition to any of the automaticallycovered medical conditions, all conditions will be excluded from coverunless declared to the medical screening helpline.
What is classed as a medical condition?
a Any respiratory condition (relating to the lungs or breathing), heartcondition, stroke, Crohn’s disease, epilepsy, allergy, or cancer forwhich you have ever received treatment (including surgery, tests orinvestigations by your doctor or a consultant/ specialist or prescribedmedication).
b Any psychiatric or psychological condition (including anxiety, stressand depression) for which you have suffered which you have receivedmedical advice or treatment or been prescribed medication for in thelast five years.
c Any medical condition for which you have received surgery, in-patienttreatment or investigations in a hospital or clinic within the last12 months, or for which you are prescribed medication.
Any premium for medical screening quoted can be paid directly. This canbe done either before or after taking out a policy with us. The policyand medical extension connect automatically, no reference numbers needto be exchanged.
Choosing not to declare a medical condition will not invalidate cover,but any costs incurred in relation to an undeclared condition will notbe covered.
If making a declaration all medical conditions must be declared, youcan't choose to only declare certain conditions.
Medical conditions can only be declared for up to 12 months at a time. Asecond declaration will have to be made after 12 months if necessary.
