Travel insurance protects you financially if something goes wrong before or during your holiday. It covers you against unexpected expenses like emergency medical bills, travel delays, or replacing lost items. While no one likes to think about things going wrong on holiday, accidents and emergencies are more common than we might imagine. Without the right travel insurance, these unforeseen events could leave you seriously out of pocket, costing hundreds or even thousands of pounds.
POA have teamed up with POAProtect, a trusted provider of travel insurance for over 13 years, to bring you travel insurance cover, whatever your health circumstances are.
Classic Travel Insurance – is our standard and flexible holiday cover for members under 65 and without pre-existing medical conditions.
Specialist Travel Insurance – our tailored holiday cover for members aged 65 and over, or those with pre-existing medical conditions, offering comprehensive protection to meet your needs.
Every year, millions of people head abroad for their holidays. Unfortunately, for some, their trips will be memorable for all the wrong reasons if they encounter emergencies like needing medical treatment overseas. This is why having proper travel insurance is not just a luxury but a necessity. From medical emergencies abroad, where treatment costs can be incredibly high, to trip cancellations due to unforeseen circumstances, such as illness, travel insurance ensures you’re not left covering hefty expenses.
In another instance, a UK traveller was treated for injuries from a fall in France. Their GHIC card paid for 80% of the cost, still leaving them £16,000 to pay, including return back to UK. In both cases, the cost was paid by the travel insurer.1
Having travel insurance helps ensure that you’re covered for the unexpected, allowing you the peace of mind to travel with confidence.
1Source: ABI
‘Made the process simple by talking to a delightful lady who was happy to explain everything. This was after a bewildering few days surfing the internet. Would definitely recommend.’ Mrs N
‘The most straight forward form to complete – others should learn by example, also asks customer if we would like the form sending PDF or post, everyone’s a winner.’ Mr M.
‘I was able to get insurance for myself (with health issues), my wife, and son, who have no health issues, at a very affordable cost.’ Mr S
Do I need travel insurance?
Whilst it’s not usually a legal requirement, it’s wise to purchase travel insurance. Foreign, Commonwealth and Development Office (FCDO) recommends taking it out as soon as you’ve booked your trip. Travel insurance offers much more than just protection for lost luggage – it can also provide critical coverage for expensive, life-saving medical treatment if something goes wrong.
Do I need to declare pre-existing medical conditions?
Yes. Travel insurance is first and foremost designed to cover the high costs of emergency medical treatment abroad, including potential repatriation to the UK, which can amount to tens or even hundreds of thousands of pounds. It’s important to fully answer all questions about your health. Failing to disclose relevant information could invalidate your policy or result in a claim being denied, leaving you responsible for the costs. If you’re unsure if you need to declare your condition, get in touch with POA Specialist Travel Insurance.
Do I have to be a UK resident to purchase a policy?
Yes, both travel insurance products only offer cover to UK residents.
How do I make a claim?
If you need to make a claim on your travel insurance policy, please check your policy documents for the section on making a claim. Please ensure you have your policy number to hand when calling, the insurer will need it to locate your cover details.
POA Classic Travel Insurance – please call 0800 389 5904.
POA Specialist Travel Insurance – please call 01444 465 573. Please see page 7 of the policy wording for full information on making a claim.
Do I have to pay an excess?
This will depend on the policy you’ve chosen. Please check your certificate for this information.
Is there an age limit?
POA Classic Travel Insurance – there is no age limit on single trip policies. For annual multi-trip policies, the maximum age is 85.
POA Specialist Travel Insurance – there is no age limit on single or annual policies.
Do the policies provide coronavirus/Covid-19 cover?
Yes, both Classic and Specialist travel insurance provider cover, providing the Foreign, Commonwealth and Development Office (FCDO) is not advising against all, or all but essential travel to your destination.
Do the policies cover me anywhere in the world?
Yes, as long as you’re not travelling against advice of FCDO.
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