What countries are included in ‘European’ cover?
The United Kingdom, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Czech Republic, Denmark, Estonia, Finland, Faroe Islands, France, Germany, Greece, Hungary, Iceland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Mediterranean Islands (including Majorca, Menorca, Ibiza, Corsica, Sardinia, Sicily, Malta, Gozo; Crete, Rhodes and other Greek Islands, Northern and Southern Cyprus), Moldova, Monaco, Morocco, Netherlands, Norway (excluding Svalbard), Poland, Portugal, Republic of Ireland, Romania, Russian Federation (West of Urals), Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey and the Ukraine (Albania, although in Europe, is excluded from our definition. If you wish to visit Albania or are likely to travel outside the countries specified you will need to select one our Worldwide options.
How many days am I actually covered per year under the Annual Multi-Trip policy?
You may take any number of trips during the period of insurance; however certain limitations and restrictions apply as set out below:
Annual Multi-trip policies are available with a limit of 45 days abroad per individual trip (90 days in total per year), 60 days abroad per individual trip (120 days in total per year) or 90 days abroad per individual trip (180 days in total per year).
Note: The options to select 60 days abroad per individual trip and 90 days abroad per individual trip are only available on UK, Europe and Worldwide (excluding the USA, Canada and the Caribbean) policies.
What happens if my journey home is delayed beyond the insurance period?
If your journey home is delayed beyond your control and you do not get back into the country until after your policy has expired, your cover will continue (up to 60 days) until for example, your airline or ferry operator can get you home.
What about government-issued travel advice?
The British Foreign and Commonwealth Office (FCO) provides practical advice and assistance to British nationals who travel abroad. Sometimes they will advise against “all but essential travel” to certain areas, regions or whole countries; cover is included for these areas. However, in more extreme circumstances they will advise against “all travel”. There is no cover for travel to/through areas where advice against “all travel” has been issued. If you enter such an area, then all cover under the policy will cease, but cover will be resumed once you leave that area.
If I have BCA Travel Insurance, do I still need to carry a European Health Insurance Card (EHIC)?
Yes. The European Health Insurance Card (EHIC) allows you to get state-provided healthcare in all European Economic Area (EEA) countries and Switzerland at a reduced cost or sometimes free of charge. If you use your EHIC to reduce the cost of a medical claim, then the excess (£100) will not be deducted from your claim.