Frequently asked Questions

Is Coronavirus / COVID-19 covered?

From 00:01 on 17 March 2020, our policies will no longer provide cover for claims directly or indirectly related to a pandemic and/or epidemic, notably at this time Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever called or any mutation of these.
This policy will also not provide cover claims relating to the fear or threat of pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever or any mutation of these.

This general exclusion applies to all sections of cover with the exception of Section B1 – Emergency Medical Expenses as long as, prior to your trip commencing, the Foreign and Commonwealth Office had NOT advised against all (but essential) travel to your intended destination.

I haven’t received my quote or purchase email – what should I do?

If your email doesn’t appear shortly after saving a quote or purchasing a policy please check your junk and/or spam folders before contacting us.
If, after checking these folders, you still can’t locate a confirmation email please call us on 01702 427 281 and one of our agents will be able to help.

Can policy documents be sent by post?

We can do this but they will be black and white print-outs only as we try not to send documents out via the post to help us be a greener company. All correspondence are managed electronically via email and SMS and all documentation is sent to your email in user friendly PDF format.

Can I travel to Cuba on a NOW policy?

Yes, our Worldwide travel insurance covers trips to Cuba, the USA, Canada and the Caribbean. Simply select the “Worldwide (All)” destination on the first stage of our online quote process.

Do Annual policies cover trips in the UK?

Yes, our annual travel insurance covers trips within the UK, provided that you have at least two nights pre-booked accommodation that is away from your normal place of residence.

How many times can I travel on an annual policy?

You can travel an unlimited number of times during the 12 month period of your cover.

How many children can be covered under a family policy?

Up to four dependent children can be covered on an family travel insurance policy

Can we travel independently on an annual policy?

Yes, Insured adults can travel independently.

Children under the age of 17 cannot travel independently of the named insured adults on the policy.

What documents should I take on holiday?

We always strongly recommend being able to access a copy of our Policy wording along with your certificate(s) of cover. These will be emailed to you once you have purchased a policy in the form of a PDF document, meaning you can access them on your mobile phone, tablet or laptop whilst away.

If you provide a mobile number during the purchase process you will receive an SMS containing your Policy Number and Emergency contact number, meaning you have direct access to these whilst away.

How long is a quote valid for?

A saved quote is valid for a maximum of 14 days, less if your travel start date is within this period.

Can I Cancel my policy if the terms and conditions do not meet my requirements?

You have a ‘cooling off’ period where, should you decide that you find that the terms and conditions do not meet your requirements, and provided you have not travelled or claimed on the policy, you can advise us within 14 days of purchase for a full refund to be considered.
Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirm that there have been no claims on the policy and that you have not travelled; the following cancellation terms will be applied dependant on what type of policy you have purchased.

Single Trip policies
In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and any additional premium applied to your existing medical conditions will apply. If you have travelled or are intending to claim, or have made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

Annual Multi Trip policies
Provided you have not made a claim on the policy (irrespective of whether your claim was successful or not) and you confirm in writing that there is no claim pending, should you choose to cancel and understand that all benefits of the policy will be cancelled, we will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date of cancellation. If you are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium. We reserve the right to give 7 days’ notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, or abusive behaviour to any of our staff or agents.

What area covers Turkey/Egypt/Morocco & Tunisia?

Worldwide – excluding Canada, Caribbean, Mexico and USA.
We have created a map which outlines which areas are covered by our destination options.
View region map

What destinations are covered under which regions?

Regions and destinations can be confusing, to help you choose the correct policy for your travel we have created a map that outlines which destinations are covered under each policy region. You can view the map here

Can a child under the age of 18 have a policy on their own?

No. However we do cover dependent children under the age of 18 on our family travel insurance policies.

Do all benefits apply to all ages?

Yes, with exception of Personal Accident that has an age cover limit of 65

When was NOW Travel Insurance Services Established?

NOW Travel Insurance Services started trading in July 2014 and is a trading name of Less Clicks Limited. Less Clicks Limited was incorporated on 2nd January 2013