during your trip. At Compare the Market, the policies we show you are likely to cover claims related to COVID-19 for emergency medical and repatriation costs in line with your chosen policy. This means the total Cancellation cover can be increased up to £9,000 per person if required. By Harriet ... team have rounded up the best for coronavirus cover right now. 03220410, Registered Office: 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Where can I get additional cancellation cover for a holiday as my annual travel insurance with Aviva only covers up to £5,000. Compare plans side-by-side for medical cover, cancellation, lost luggage and more for the best travel insurance for you. Europe Plus Travel Insurance: holiday insurance with EHIC, E111; annual travel insurance; travel insurance for over 65. you are not away from your home country for more than 18 months (or 6 Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. Quotes from Australian brands in 10 secs. Request Supplies Travel Insurance Top-Ups and Extensions. Most travel insurance plans only cover you for a certain number of days. It means you can reclaim the cost of your trip, up to the maximum cover limit, if you’re unable to travel. TopDog Insurance is a trading name of Travel Insurance Facilities Plc which is authorised and regulated by the Financial Conduct Authority, FRN 306537. Your country of residence is where you are currently legally resident and where you are entitled to health care if required. Standard travel insurance will not offer trip cancellation for government mandated travel restrictions either. Commonwealth and Development Office (FCDO). Cancellation cover will apply if your trip is cancelled because you or your travel companion either have symptoms or are diagnosed with an epidemic or pandemic disease (such as COVID-19). It transports us away to precious times in special places with friends and family. Take as many holidays as you wish and be covered all year long! Registered Office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. COVID-19 (CORONAVIRUS) COVER: Already Travelling policies cover Emergency you cannot claim for anything relating directly or indirectly to a You have selected an Already Travelling Policy so your Policy Start Date must be today’s date as your trip has already commenced. I’ve also thought about taking out single trip cover but can’t find any that offer cancellation cover … Optional covers are available for extended stay, travel delay; and terrorism including cross-border threat. TravelEase ® travel insurance offers coverage for many pre-existing conditions that other providers may not so you can access emergency medical care when you’re away from home. It means you can reclaim the cost of your trip, up to the maximum cover limit, if you’re unable to travel. Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months. insurance takes effect as a fraud prevention measure. P J Hayman & Company Limited. Where will you be travelling to? Now the Money Saving Expert has shared top tips for travel insurance. Please note Cancellation and Curtailment benefits for COVID19 only apply when you purchase your insurance within 24 hours of paying your first trip deposit. Many travel insurance companies offer “Cancel for Any Reason” (CFAR) coverage at an additional cost, which allows you to cancel your trip for any reason, … Standard travel insurance covers you in the UK but the cover here is not as powerful as when overseas. By Harriet ... team have rounded up the best for coronavirus cover right now. Now the Money Saving Expert has shared top tips for travel insurance. Apply at any age** Canadian resident Cover is available up to £500,000 to protect individual holidays and trips to most destinations. Whether you require cover for a medical condition, hazardous activities, round the world trip, Gap year, etc., we have a policy for you. You can purchase up to an additional £3,000 of cover per person. Tailor your policy by selecting relevant Globelink policy Extras at Step 3 when purchasing your cover online. Company registered in England and Wales No. But we know that sometimes vacation plans can change. When they do, you may need to top-up or extend your coverage to accommodate for a longer trip. The latest version of Adobe Acrobat Reader is required to view these files. This means the total Cancellation cover can be increased up to £9,000 per person if required. Yet so many insurance providers refuse to cover people just because of their age or health. Travel Insurance with Holiday Cancellation Cover. Designed for most Individuals, Couples or Families who undertake several trips of up to 120 days within a 12 months period. Standard travel insurance will not offer trip cancellation for government mandated travel restrictions either. INSURANCE PRODUCT INFORMATION DOCUMENT ». P J Hayman & Company Limited is authorised and regulated by the Financial Conduct Authority. P J Hayman & Company LtdTravel Insurance & Scheme Specialists. The rest of the cover is fine, so I’m trying to find a reputable U.K. insurance company offering top up cover. Travel insurance policies have a number of features that help cover you and your belongings while you're on holiday. To help you find the best pandemic travel insurance we evaluated over 50 plans using data from Squaremouth, a travel insurance provider. Get an online quote and buy travel insurance online, or call 1-866-896-8172. This is the date you arrive back in your usual country of residence. Top-up for extra days of travel (for multi-trip plans) Standalone trip cancellation and trip interruption; Choose an all-inclusive plan for emergency medical benefits plus trip cancellation, trip interruption, baggage loss, damage and delay, flight accident and travel accident insurance; Am I eligible? The answer is to purchase EXTRA Cancellation cover. The policy that ‘Tops Up’ your Cancellation cover. Top up cancellation cover provides protection against the cost of cancelling your holiday in excess of the cancellation cover provided by your travel insurance provider. Coverage for eligible non-refundable travel expenses, like trip deposits and flight change fees. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.In this outline, we have given a brief description of just some of the benefits available under AMEX ® Travel Insurance. If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance … P J Hayman & Company Limited is authorised and regulated by the Financial Conduct Authority. The Premier Plan is the most comprehensive travel insurance solution. terms that we cover as standard). Career breaker? The policy is available to people aged up 79 years who are permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man) and in the United Kingdom at the time of purchasing the top up policy. Medical cover is a crucial part of your travel insurance policy. Special Risks – Travel Against FCDO Advice, Worldwide – EEA Residents – Already Travelled, Worldwide – All Nationals – Already Travelled, Introducing Staycationplan – with COVID-19 Cover, Free Spirit Now Offers Extended COVID-19 Cover, Introducing New Features to Free Spirit – Including Waiting List Cover, P J Hayman Shortlisted For UK Broker Awards 2020, Watch Peter Hayman in a Video for Insurance Age, COVID-19 – An Update From Our Founding Director, Featured Product – Cancellationplan UK Holiday Insurance, Just Launched on PJHayman Online – Top Up My Cover Cancellation, Euro Plus – 24 Hour Breakdown Cover in Europe, Adventures – Sports, Work or Hazardous Pursuits, Trailfinders – Top Up My Cover Cancellation, We cover you, as long as your main insurer does too. Travel legal protection insurance covers costs up to CHF 500,000 in Europe and up to CHF 100,000 in the rest of the world Legal expenses services are provided by our experienced partner Orion Rechtsschutz-Versicherung AG (Orion) Event cancellation resulting in a cancelled trip; Cancel for any reason (when you cancel 48hrs or more before departure date) Please obtain a QUICK QUOTE and select the COVID19 cover. inpatient treatment which can be independently verified, can be made within Take a look at a flexible selection of travel insurance products that fit every travel scenario. Delays and loss of baggage ... Our top pick, though, is EHICPlus, which offers generous cover and a £75 excess on most claims. But before you hop on a plane and get ready to explore the world, it’s important you ask yourself, ‘Do I have the right travel insurance?’It can be hard thinking about worst-case scenarios at the best of times, but it’s even harder in the run-up to a trip you’ve been looking forward to for so long. As schemes specialists, we are able to provide some unique products; these currently include: ‘Top-up’ Cancellation cover; Euro Plus (breakdown cover for people travelling to Europe); and PJH Worldwide for those who have already travelled and expats. The main advantages of cancellation insurance are the costs that are covered if you can no longer go on your holiday. Select from our geographical areas. Benefits of travel insurance. Register number 497103. Client TOBA Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. Specific products include: Business; Coach Plus Breakdown; Coach Plus Driver; and SAFI. Cheap, comprehensive travel insurance from Travelinsure, an online insurance company providing travel protection for South Africans abroad. Single Trip Travel Insurance for people aged up to 89 years and Annual Multi Trip Travel Insurance for people aged up to 79. The best travel insurance companies give you the freedom to enjoy your journey without getting bogged down in the complexities of travel, offering primary medical coverage, generous limits, few exclusions, and top-notch customer service. Data Subject Access Request. Top Up My Cover only pays after a valid claim has been made on your main travel insurance policy so it doesn’t matter where you travel, how long you travel for or if you have medical conditions. It is safe and easy with Globelink Travel Insurance. Please note: if you require cover above this limit, please click here for details of an alternative policy – High Value Travel Cancellation Insurance. Cancellation Top Up travel insurance option is available for people aged up to 70 years on Globelink Comprehensive or Annual Multi Trip policy policies. For reliable Travel Insurance, simply complete 5 quick & easy steps. Winter sports and Cruise travel insurance; Children covered for free; Family and Groups of 10+ discount; Top-up for free medical cover; Senior travel insurance (up to 81 years) Holiday and Business travel insurance; Medical emergency; Cancel your trip due to illness, injury or death Please specify the maximum duration of your single trip. Or call our travel insurance professionals on 00 44 (0) 1353 699082, who will help you get the right cover to suit your travel plans. The only exceptions are: one way trips; or where you are extending a policy that Globelink issued to you; or you can select an ‘ALREADY TRAVELLING’ Policy Type if you have already travelled and need the remaining part of your trip covered. Unless you select an ‘ALREADY TRAVELLING’ Policy Type, the period of insurance must be for your entire trip and include the date you leave your country of residence within the European Union until the date you arrive back in that same country. Globetrekker? * Travel cancellation costs. Some luxury holidays exceed this amount. If you require purchasing top-up days for an existing plan, we can contact the insurance company on your behalf to purchase the extra few days you need. Yes Theft, damage or Accidental Loss of personal effects ... Credit Card Top Up. About Us You can check this on the Financial Services Register at www.fca.org.uk or by calling 0800 111 6768. Here are some of the most important. Download Documents AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. You have selected a start date after today. Forbes Advisor evaluated 24 travel insurance plans that offer “cancel for any reason” coverage. Travel frees our spirit. Meet the Broker Team If you are living overseas then it is likely you need to purchase a specialist insurance and not travel insurance. State the CURRENT age of you and your party members. † The maximum “top up” amount is £20,000 per person (£15,000 per person if aged 75-79) with an overall limit of £100,000 per policy. Having holiday cancellation insurance in place when you book is an important precaution to take. Please note: if you require cover above this limit, please click heref… the first 48 hours. Travel Insurance Cancellation Cover. Apply at any age** Canadian resident Yes Theft, damage or Accidental Loss of personal effects ... Credit Card Top Up. Coronavirus cover only applies if you are not travelling contrary Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Travel insurance in the UK offers all the usual protections you'd get abroad, such as theft of valuables and cancellation. We offer affordable packages, travel medical plans, trip cancellation coverage and more. Privacy Policy You must pay the required top-up premium on or before the effective date of the top-up period. Prices may change. Whether you’re a snowbird, a weekend warrior, a business traveller, a busy mom, a student in Canada or are working overseas, we’ve got you covered. This benefit also pays the additional cost in the per person rates (known as a single supplement fee) if a traveling companion’s covered trip is cancelled but yours is not. Antares Syndicate 1274 at Lloyd’s. Top Up My Cover Cancellation allows you to purchase up to £20,000 † extra cancellation cover (per person) so that your holiday costs can be fully covered. Cancellation cover is a part of many travel insurance policies. Direct Customers: 02392 419 070. However, it can still prove useful, so you'll need to weigh up the pros and cons. You can also spend some time reading travel articles and picking up … Travel insurance can be tricky. As of March 5, 2020, Manulife considers COVID-19 to be a known event, and the relevent limitations and exclusions, as they apply to COVID-19, will be applied to Costco travel insurance … If you need advice or help in deciding if Credit Card Top Up travel insurance is the most suitable product to buy online click here or contact us. Our top up cancellation cover ensures that you are not out of pocket should the … Brokers and Agents: INSURANCE POLICY » There is no 14 day cooling off period when you are already travelling, so An optional benefit for Personal Health Plan members, VIP Travel is a great option for frequent travellers.. Coverage for 30 consecutive days of travel, with an unlimited number of trips per year; Extend coverage for trips longer than 30 days with a Top-Up to VIP travel Your top-up coverage is subject to CoverMe ® Travel Insurance's terms and conditions. If you have booked a holiday that costs more than your existing travel policy cancellation limit, you won’t get all your money back if you have to cancel your trip. We offer Already Travelling Insurance on the strict understanding that: There is a 48 hour waiting period from the date of policy issue before the Stress-free travel. See also: Top Up Plan Bryte’s Top Up Plan is designed for travellers purchasing air tickets with a bank or credit card. Additional Cover for Valuables, Event Cancellation, Excess Waiver, Golfer's Cover, Repatriation, Wedding Cover, Return Home Option, Adventure activities, Hazardous Pursuits, Travel Insurance Extra Options. Cancellation cover is a part of many travel insurance policies. Although trip cancellation benefits are one of the most commonly found travel insurance benefits, it is possibly the most misunderstood. Contact Us If your travel plans have changed and you decided to stay at your destination longer than expected, CAA Travel Insurance has got you covered. Journey Cancellation and Interruption. ... Top Tips And Guidelines To Making A Claim. With over 25 years experience in travel insurance, we have created specific products to cater for specific needs. We offer affordable packages, travel medical plans, trip cancellation coverage and more. Most adventure sports covered for free. Cover you'll need: £2m for Europe and £5m worldwide. We have a range of facilities to cover companies; ranging from Group Personal Accident and Travel to Liability cover for Tour Operators. Comprehensive insurance to cover you in case of cancellation. Top Up Insurance . Top-up coverage available for the amount over and above the maximums; Trip cancellation and interruption benefits (up to $1,500 or $2,500 per trip depending on the plan chosen) Trip delay up to $1,500; Unlimited emergency medical; Unlimited emergency medical evacuation/return home; Baggage and personal effects $1,500; Travel accident up to $100,000 ... in the case of Nedbank’s automatic cover. The answer is to purchase EXTRA Cancellation cover. Get a quote now. If you have booked a holiday that costs more than your existing travel policy cancellation limit, you won’t get all your money back if you have to cancel your trip. Please put a comma between each age, eg: 35, 33, 55. See the Insurance Policyfor further details. The terms, conditions and exclusions of the new top-up insurance apply to you. Top-up for extra days of travel (for multi-trip plans) Standalone trip cancellation and trip interruption; Choose an all-inclusive plan for emergency medical benefits plus trip cancellation, trip interruption, baggage loss, damage and delay, flight accident and travel accident insurance; Am I eligible? Globelinks policy maximum Cancellation Limit provides cover of up to £6,000 per person for unrecoverable travel and accommodation costs plus other reasonable additional travel expenses incurred if Cancellation of your trip is necessary and unavoidable. https://www.moneysupermarket.com/travel-insurance/cancellation-cover Single trip travel insurance, multi trip travel insurance, trip cancellation travel insurance, and all inclusive travel insurance are the four most common types of travel insurance plans, and the ones available through InsuranceHotline.com. Cancellation cover as part of your travel insurance lets you claim for the cost of your holiday – up to a certain specified amount – if you have to cancel your plans for certain reasons. Get an online quote and buy travel insurance online, or call 1-866-896-8172. Trip cancellation insurance coverage reimburses you (up to the covered amount) for pre-paid non refundable trip costs if you have to cancel your trip for a covered reason. months for customers aged 66yrs or over). Reasons you can cancel, and get compensation, vary between policies - so does the amount you can claim back. to the advice of your local Government, or for UK residents - the Foreign You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.In this outline, we have given a brief description of just some of the benefits available under AMEX ® Travel Insurance. Activity TopUp is a tailor made policy that has been developed with active people in mind. Each travel insurance provider will have a standard cancellation benefit per person, usually either £2,000, £5,000 or £10,000. Journey Cancellation and Interruption. After all if you end up having to cancel your trip at the last minute, at least with having holiday cancellation insurance there is some comfort knowing you're protected against financial loss. pre-departure coverage that reimburses you (up to the covered amount) for pre-paid non refundable trip costs if you have to cancel your trip for a covered reason At Compare the Market, the policies we show you are likely to cover claims related to COVID-19 for emergency medical and repatriation costs in line with your chosen policy. Everything booked and paid for, bags packed, brimming with excitement? A travel insurance policy can protect you from a variety of unexpected circumstances while you're traveling. Travel the world regardless of your age. Emergency medical cover. pre-existing medical condition (unless the condition falls within the You MUST select ‘ALREADY TRAVELLING’ as your Type of Policy. excluding Australia, USA, Canada, Caribbean, Costa Rica, Japan, Mexico, New Zealand, Thailand, Travelling by Plane After Coronavirus Lockdown, extra cover to safeguard your holiday costs, flexible top up to match the cover you need, can be added to your existing Comprehensive or Annual Multi Trip policy, peace of mind for your more expensive holidays, nothing has already occurred which has led to, or could lead to a claim. 17 days Winter Sports Cover FREE if you take out the 45 days policy. If you are booking a holiday that costs more than the Cancellation cover on your existing Globelink Comprehensive or Annual Multi Trip policy and you are aged up to 70 years, you can top up your holiday cancellation cover. The Best Travel Insurance Companies. For people aged up to 79 years! So far I’ve omly found one PJ Hayman and that would cost around £500. Here are some of the most important. After all if you end up having to cancel your trip at the last minute, at least with having holiday cancellation insurance there is some comfort knowing you're protected against financial loss. You can purchase up to an additional £3,000 of cover per person. Single and Backpacker Cover best if you only travel once a year or need a long stay policy.Annual Multi Trip is perfect if you take two or more holidays within a year.Already Travelling? Travel insurance benefits if your trip is cancelled. Pay with your Visa, MasterCard, JCB, Maestro, Masterpass, or PayPal and receive your policy documents by email in seconds. You will not have trip Cancellation cover in place until the date your policy starts. New Claims requiring This plan includes cover for pre-existing medical conditions and protects travellers between the age of three months to 69 years. no refund is available in the event you cancel your policy, or return home early. Forbes Advisor evaluated 24 travel insurance plans that offer “cancel for any reason” coverage. News Single Trip Travel Insurance is designed for people aged up to 89 travelling independently or on a package holiday with a maximum trip duration of up to 15 months. To our valued customers: The COVID-19 pandemic continues to affect the travel plans of Canadians. Top Up My Cover Cancellation allows you to purchase up to £20,000† extra cancellation cover (per person) so that your holiday costs can be fully covered. So, if you already have a policy but need more Cancellation cover you don’t have to replace it with another – simply ‘Top it Up’! Help protect yourself with Trip Cancellation and Trip Interruption Insurance 4 when travelling outside of your home province within Canada or internationally, which includes:. We understand; it’s all so thrilling! Costs of return travel, accommodation and meals if you have to cut your trip short The typical insurer will cover cancellation costs of up to £5,000, according to the British Insurance Brokers’ Association (BIBA). Our policies cover you against: The cost of unused pre-paid travel and accommodation. Top-up cover caters for all kinds of travel scenarios from the loss of baggage, money or bank cards, the rejection or delay of your Visa to having missed a … Top-up cover will be required for longer trips. Cheap, comprehensive travel insurance from Travelinsure, an online insurance company providing travel protection for South Africans abroad. Broker Development: 02392 419 050 Benefits of travel insurance. country of residence in the UK/EU. Read our easy-to-understand tips on how to save money with travel insurance extensions & top-ups. Cancellation and Curtailment up to £5,000 Delays and loss of baggage. VIP Travel Plan. Cover Available Up To 18 months; Up To £10,000 Cancellation Cover; Claims Information. ... Travel Insurance is not private medical insurance and is not intended for people living abroad. Globelink Insurance offer the budget solution for long stay journeys. Most travel insurance plans only cover you for a certain number of days. Specialist travel insurance for people with medical conditions & no age limits. Among those, we used each company’s highest-scoring plan(s) to rate each company. It is intended as a ‘top-up’ over the level of existing cover in place, providing insurance in excess of the underlying travel insurance. Travel Insurance with Holiday Cancellation Cover. Protect yourself from more mishaps and save more of your finances. You can simply extend your coverage by getting an extension or a top-up. Having holiday cancellation insurance in place when you book is an important precaution to take. This policy automatically expires and cover ceases when you return to your Top up coverage is available for any extra days you will stay beyond your chosen trip duration For maximum coverage, purchase both a Medical Multi-Trip Annual Plan and a Non-Medical Multi-Trip Annual Plan, so you have travel insurance for medical emergencies, as well as for trip cancellation & interruption and lost or stolen baggage. Travel insurance policies have a number of features that help cover you and your belongings while you're on holiday. Among those, we used each company’s highest-scoring plan(s) to rate each company. We can top up travel insurance offered by another insurer, adding extra days to your current coverage. As long as your existing travel insurance policy will cover you, we will too. Cancellation Top Up travel insurance option is available for people aged up to 70 years on Globelink Comprehensive or Annual Multi Trip policy policies. For this guide, I selected providers that generally receive a positive rating from TPG Lounge members, provide adequate details about their policies and claims process online, are generally well-rated online and offer policies to residents of most U.S. states.. Here’s a table with a quick overview of nine of the best travel insurance providers: TravelEase® travel insurance Sign up to our newsletter to receive Our top choices if you want to make sure your gadgets are covered while you are on holiday are: John Lewis Travel Insurance, who provide £2,500 of cover for gadgets (with a £1,500 single item limit) through an add-on policy feature called "Technology Cover" Top Dog Insurance, who offer a £2,000 add-on of cover for phones and laptops In a nutshell, cancellation cover, in terms of travel insurance, means that if something goes wrong and you need to cancel your trip before you head off, you can claim back any money you lose (up to the amount stated in your insurance policy). Top Up My Cover Cancellation allows you to purchase up to £20,000†extra cancellation cover (per person) so that your holiday costs can be fully covered. You are responsible for ensuring that your current coverage is in force and allows top-ups. Emergency medical cover. AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. Medical cover is a crucial part of your travel insurance policy. For instance: Diane books an end-of-year trip to Paris. Travelling more than once a year? These can vary between insurers, as can the maximum cover limit, so it’s always good to compare policies before you buy. ... Our budget-friendly Basic Plan provides up to £1,000 in cancellation cover, while our most comprehensive Extra Plan provides up to £5,000. Many travel insurance companies offer “Cancel for Any Reason” (CFAR) coverage at an additional cost, which allows you to cancel your trip for any reason, … Cancellation cover explained. Aimed at under 51 years old backpackers on a tight budget up to a maximum of 18 months. Globelink is a trading name of Globelink Travel Insurance Limited. Been planning your dream holiday for a while now, huh? But with the luxury travel market growing in popularity – especially among retirees using pension freedom cash – travellers could find themselves out of pocket. Free Spirit are different. Compare travel insurance plans today. Registered in England No 2534965. P J Hayman updates by email: Call us on: Top-Up coverage must be purchased prior to the expiry date of the Multi-Trip coverage and is subject to an extra premium charge. Read our simple guide and learn how to get coverage that gives you what you need and saves you cash. To find the best travel insurance companies, we scored 15 essential benefits in 41 travel insurance plans. Globelink is Official 'Travel Aware' Campaign Partner, Copyright (C) 2007-2021 by Globelink International Travel Insurance Consultants Ltd, Globelink Travel Insurance is rated 4.5 / 5 based on over 2000 customer reviews, Travel Insurance for people living in all EU Countries. 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Are not away from your home country top up cancellation travel insurance more than 18 months ( 6. We can Top up travel insurance provider will have a number of days and is to... Plans of Canadians travel disruption cover in place when you book is an important precaution to take Tour Operators www.fca.org.uk... The best travel insurance for you your cancellation cover is a tailor policy. So your policy starts cancellation, abandonment, interruption and Curtailment benefits for COVID19 only apply you. £10,000 cancellation cover force and allows top-ups people with medical conditions & no age limits Plan cover. You may need to top-up or extend your coverage to accommodate for a holiday as my annual insurance... For you your coverage by getting an extension or a top-up while you 're traveling transports Us to... £9,000 per person insurance within 24 hours of paying your first trip deposit Claims requiring inpatient treatment which be... 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