Travel insurance is a type of cover that protects you whilst you’re on holiday. It protects against a range of circumstances such as cancellation or cutting your trip short, medical emergencies and repatriation, personal belongings and baggage, and more.
Single-trip travel insurance covers one trip only. Whereas multi-trip travel insurance provides you with cover during multiple trips over the year.
FCDO travel advice
Please visit the Foreign, Commonwealth and Development Office (FCDO) website to ensure your destination is not restricted under any FCDO directive which will affect the cover provided under your insurance policy.
It’s important to fully understand your travel insurance before you take it out. Here are some frequently asked questions about both Setoo and Howden’s cover.
Setoo’s single trip travel insurance policy will provide cover for one trip. This includes:
Covid cover
From emergency medical expenses to cancellation, covid cover is included as standard – in place before your departure and while you’re travelling.
Sports and activities
Cover for a variety of recreational sports and activities, from abseiling to zip wiring. This policy does not include golf or winter sports cover.
Medical emergencies and repatriation
Travel with ease knowing you’re covered for medical emergency and repatriation expenses, including emergency dental treatment. Up to £10,000,000 cover for your hospital, ambulance and medical repatriation costs. Limited to £1,000 for emergency dental treatment. The policy also includes expenses towards meals and travel costs to or from hospital.
Lost, stolen or damaged baggage and belongings
Travel carefully with protection for damaged, lost or stolen bags plus their contents, including passports, individual items and cash.
Cancelling or cutting short a trip
Cover up to £1,500 per person for your unused and irrecoverable costs as a result of one of a number of covered scenarios.
Personal belonging and baggage
Cover up to £1,000 if your personal belongings are lost, stolen or damaged. Your schedule also lists the single article limit and the limit for the total of all valuables.
Personal money
If your personal money is lost or stolen, you’ll receive cover for up to £300 cash and up to £600 for all other personal money (including additional accommodation and transport to obtain a replacement passport if yours is lost, stolen or damaged).
Delayed arrival
Cover up to £100 per person if your arrival is delayed for at least two hours as a result of one of a number of covered scenarios.
Missed departure
Cover up to £1,000 for your additional transport and accommodation costs if you miss your public transport as a result of one of a number of covered scenarios.
The policy also includes cover and expenses for legal expenses, personal liability and personal accident.
Any new policy purchased will not cover any cancellation where you cannot travel or choose not to travel because the Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) advises against travel due to a pandemic. We will cover your medical costs related to Coronavirus provided you haven't travelled against Foreign, Commonwealth and Development Office (or any other equivalent government body in another country) or medical advice.
Howden’s multi trip travel insurance policy will provide cover for multiple trips over the year. Cover can include:
Disruption to travel
This cover is to protect you against missed flights, connections and delays to public transport. There is also cover for the insolvency of the accommodation provider and natural disasters (such as a tsunami, volcano eruption or hurricane) affecting your accommodation or resort.
Medical emergencies and repatriation
Travel with ease knowing you’re covered for medical emergency and repatriation expenses, including emergency dental treatment.
Lost, stolen or damaged baggage and belongings
Travel carefully with protection for damaged, lost or stolen bags plus their contents, including passports, individual items and cash.
Cancelling or cutting short your trip
Cancellation or curtailment of your trip if you are unable to travel because of an unforeseen circumstance, for example a family bereavement, illness or burglary.
Sports and activities
Howden provide cover for a wide range of sports and activities you may wish to complete on your travels, many of which are covered as standard and even more sports and activities available for an additional premium.
