By telling us your country of residence we are able to provide you with the most relevant travel insurance information.
Please note that not all content is translated or available to residents of all countries. Contact us for full details.
Your policy refers to time excesses rather than waiting periods.
It’s the amount of time you have to wait before cover is activated and/or before a benefit becomes payable.
To put it bluntly, it reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.
Some policy benefits have a time excess, namely:
Baggage Delay – you have to wait 24 hours from the scheduled arrival time before you can claim for essential items.
Travel Delay – the delay has to be 12 hours or longer before you can claim for this cover.
In addition, if you buy your policy while already travelling, you’ll need to wait 72 hours before you can be covered under any of the policy benefits. The exception is emergency overseas medical expenses and emergency transport expenses. These come into effect immediately if you are injured in connection with an accident and it is verified by an independent third party.
We’re here to help if you have a question about travel insurance.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Coronavirus (COVID-19) continues to impact many travellers around the world. Before you buy, read the travel alerts and check government travel advice and restrictions for your destination(s) as these may impact cover, or your ability to travel. NOTE: A 48-hour waiting period (time excess) applies to some Coronavirus-related cancellation cover; other waiting periods may apply.
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