Winter Sports Cover is compulsory for winter sports trips and Cruise cover is mandatory if you’re going on a cruise. Optional additional cover available includes Covid-19 Cover upgrade, Gadget Cover, Sport and Activities Cover (including golf), Trip Disruption Cover (including Terrorism, Natural Catastrophe and Air Space Disruption) and Excess Waiver, plus 31-, 45- or 60-day trip extensions (on Annual Multi-trip only). The type and level of cover provided depends on the policy type and options you choose, but can include cover for cancellation, cutting your trip short and abandonment of your trip, emergency medical expenses, lost, stolen or damaged baggage, lost, stolen or damaged passports or personal money, personal accidents and liability, legal protection. We also offer backpacker cover> for a single trip of up to 18 months. Post Office Travel Insurance can cover you for a single trip of up to 365 days*, or multiple trips** in a single year, anywhere in the UK or abroad. For any inpatient cases, no excess will be applicable. If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating Doctor, and you will need to pay for any medication and claim upon your return home. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. No excess will be applied for any prescription charges. For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. You will not need to pay any excess fees for this service. All appointment charges are covered by your travel insurance policy. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. ^^This service is not available for trips taken in the UK, only for international travel.
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