If you’re taking several trips this year, an annual policy may suit you best—it covers multiple trips up to 31 days each. For trips of up to 90 days, choose a single trip policy. Travelling longer? Our backpacker policy covers up to 550 days. Check our standard policy wording for details.

Here are some of the main benefits included in your travel insurance. Please remember that limits and exclusions apply, so it’s important to read your policy wording for full details.

Emergency Medical Expenses

We cover necessary emergency treatment if you become ill or are injured while abroad.

Travel Delay Benefit

If your pre booked transport is delayed for 12 hours or more, we will pay you up to the policy limit so that you can grab some refreshments or space in a lounge.

Missed Departure

If your journey is delayed or you miss your transport due to unexpected events listed in the policy, we’ll cover reasonable extra travel or accommodation costs.           

Lost or Stolen Belongings

If your luggage or personal items are lost, stolen or accidentally damaged while you’re away, you can claim up to your policy limit.

Cancelling or Cutting Your Trip Short

We’ll reimburse you up to your policy limit if you need to cancel or return home early for reasons covered in the policy, such as illness or a family emergency.

Legal Assistance

We may cover legal costs if you need to claim for injury or seek compensation while on your trip.

Personal Liability

We may cover legal costs or compensation if you accidentally cause injury to someone or damage their property during your trip.

Please read your policy wording for the full list of exclusions and conditions.

Here are some examples of situations your policy won’t cover. This isn’t a full list and doesn’t include exclusions for optional add-ons like winter sports cover.

Claims under the Delayed Departure or Abandonment sections for flights delayed or cancelled due to reasons other than severe weather, strike, or mechanical breakdown of the aircraft.

Any connecting or return flights where the trip does not begin or end in the UK, as cover only applies to trips starting and finishing in the United Kingdom.

Cancelling your trip because you’ve changed your mind.

Claims under the Medical Expenses or Cancellation sections that relate to pre-existing medical conditions you didn’t declare or that were not accepted by us in writing.

Lost or stolen items that were left unattended.

Claims where you can’t provide evidence, such as a police report or receipts.

Being denied entry due to missing passports or visas.

Taking part in extreme sports, winter sports or cruises without the right add-on cover.

Any other situation not specifically included in your policy.

Please read your policy wording for the full list of exclusions and conditions.

To find out which countries are covered by your ERGO policy, check our standard policy wording for details. Some destinations may be excluded if they’re considered too dangerous to travel to. We don’t provide cover for areas affected by war, civil unrest, or where the Foreign, Commonwealth & Development Office (FCDO) advises against all or all but essential travel. You can check the latest FCDO travel advice at www.gov.uk/foreign-travel-advice.

What do I do if I need to reschedule or postpone my trip?

If you have been given different dates to travel by your airline and/or accommodation provider, please contact our customer service team on 01403 788 513 or email: contact@ergo-travel.co.uk. We’ll be able to assist you by updating your policy. Don’t forget, any change on your policy may result in a change of premium.

Your policy documents will be emailed to you once you’ve purchased your policy. If you can’t see them in your inbox, please check your spam or junk folder just in case. If you still need them resent, don’t worry—just email us at contact@ergo-travel.co.uk or call us on +44 (0)1403 788 513 with your surname, postcode, and telephone number, and we’ll send them again. Please note, as we verify policies manually, we can only do this during our office hours: Monday to Friday, 9:00am to 5:00pm.

We offer cover for many pre-existing medical conditions. During the quote journey, we’ll ask a few questions to help us determine if we can provide cover based on your condition(s). If your condition is outside our accepted limits, we won’t be able to offer cover. If we’re unable to help, you can contact the Money and Pensions Service (MaPS), who offer a directory of travel insurers for people with pre-existing conditions. Visit https://traveldirectory.moneyadviceservice.org.uk or call 0800 138 7777 for more information.