Q - Is it safe to put my personal details online?
A - Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between your PC and our web site are encrypted. Why not find out more information about our security?
Q - Who underwrites Egg Travel Insurance?
A - Egg Travel Insurance is underwritten by ACE European Group Ltd. The ACE Group of Companies is one of the world’s largest providers of insurance and reinsurance. Since its inception in 1985, ACE has expanded rapidly and now operates in 50 countries around the world. Find out more about ACE
Q - What happens if my flight is delayed beyond the insurance period?
A - If your flight is delayed on your return journey and you do not get back into the country until after your policy has expired, your cover will continue until your airline can get you home.
Q - What if I have a medical emergency abroad?
A - You must contact us on +44 (0) 207 173 7715.
Q - Do I have to pay medical expenses and claim them back or will you pay them directly?
A - If it’s a medical emergency and you are admitted to hospital, our emergency assistance service will guarantee the fees of the hospital and attending doctor(s) - so you don’t have to pay. In cases where the expenses are small, you may opt to pay, or be asked to pay, and claim the money back. Please talk to our emergency assistance service, unless the case is very minor, and they will decide what to do.
We will not pay for any expenses not covered by our policy.
Q - What should I do if I require medical treatment in Australia or New Zealand?
A - Australia operates a reciprocal health agreement with the UK which requires you to enrol in Medicare to get free public hospital treatment. Medicare is Australia's equivalent of the National Health Service.
If you require medical treatment in Australia you must register for treatment with Medicare. If you do not, we may reject your claim or reduce the amount we pay to you.
New Zealand also operates a reciprocal agreement with the UK.
As a British passport holder and UK resident, you must ensure that medical treatment in New Zealand is provided under the terms of this agreement. If you do not, we may reject your claim or reduce the amount we pay to you.
Q - How many days am I actually covered per year under your annual policy?
A - Our annual policy covers you for individual trips of up to 31 consecutive days. You can take as many individual trips as you like providing you don't spend more than 90 days abroad in any insurance period. If you select our winter sports option, you will be covered for up to 21 days out of the 90 days in any insurance period whilst you participate in winter sports either abroad or in the United Kingdom.
Q - Do the limits under the policy apply per person or per policy?
A - Each of you is covered separately up to the limits shown in the policy. The policy limits apply in the same way as they would if you had each taken separate policies.
Q - Am I covered for holidays in the United Kingdom?
A - Yes, provided you have bought an annual policy. You must spend at least two nights in accommodation you booked before your departure. So a weekend break involving two nights in a hotel would be covered, but a day out and overnight stop wouldn't. If you have bought a trip policy you will not be covered for holidays in the United Kingdom. Whichever policy you buy, some benefits are not payable for holidays in the UK See the Key Facts document and Policy Wording for full details.
Q - What am I not covered for?
A - We have highlighted what we believe are the most important exclusions in the FAQ's, Key Facts document, and on the statements we ask you to confirm before you buy our cover. It is not possible for us to list everything you will not be covered for, and we suggest you read the full Policy Wording. Under each section of cover you will find a list of exclusions on the right hand side of the page, and a further list of General Exclusions in Part IV towards the end of the policy wording. These sections must not be read in isolation, but within the context of the full policy wording. If you have any doubts about what is not covered, please contact us.
Q - I have a medical condition, can I be covered?
A - Before you buy a policy, we ask you to confirm that no person to be insured has:
If you can confirm these statements, you can buy our cover online. If you cannot confirm these statements, then we will need to assess your medical conditions. Whenever we do this, we prefer to provide a quotation that covers all your medical conditions, although there will be some circumstances when this is not possible. We will always make it clear when this is the case. We assess your health over the telephone. For your protection and ours, all our calls are recorded.
If you can be covered by Egg Travel Insurance, you can get a quotation and buy cover in the same call. The documentation you receive will include the details of any medical conditions you told us about, and the questions and answers for each of those conditions.
Q - Will I be covered for terrorist activity?
A - Yes, Egg Travel Insurance does not exclude cover in the event of terrorism.
Q - I am pregnant - will I be covered?
A - You will be covered for costs relating to complications in pregnancy. If you are travelling between 28 and 35 (inclusive) weeks pregnant, any Medical and Additional Expenses incurred due to complications in pregnancy will be paid provided you obtained confirmation from a doctor or midwife no earlier than five days before your trip began that you were fit to travel.
Q - How can I make a complaint?
A - Should you have reason to complain about any aspect of our service, please contact our complaints handling team.