Benenden Travel Insurance

Choose your cover

Benenden Travel Insurance - Carefree holidays start with insurance you can count on

  • Travel insurance that considers all pre-existing conditions  (on our Silver and Gold insurance policies)– we aim to provide travel insurance cover to our members regardless of age or medical condition, so you can visit the people and places you love. (Exclusions apply, pre-existing medical conditions must be disclosed and are subject to medical screening for consideration of acceptance)
  • Travel insurance cover for all ages and all dependent children are covered for free – you can add your family to the same travel insurance policy quickly and easily as we have cover for all ages. What’s more, if you’re travelling with your children, it’s good to know that we cover dependent children under the age of 18 for free.
  • 24/7 Medical Assistance whilst you’re away with our travel insurance – if you become ill or injured whilst you’re away, you can call our Medical Assistance Line any time of day or night, 365 days a year.
  • Comprehensive and flexible – you can choose from three levels of cover to fit your holiday needs. That’s because we believe that comprehensive and flexible don’t have to be mutually exclusive. 
  • We can cover you if something is lost, damaged or stolen. And if your baggage is delayed while you’re heading to your destination, we’ll pay for the essentials to tide you over
  • We can cover you for emergency medical treatment & ambulance cost as well as your journey home if it’s medically necessary

Policy is subject to terms and conditions, limits and exclusions. For more information, please refer to our policy wording.

Travel insurance that gives back to the Benenden community

What’s more, as we don’t have any shareholders, when you purchase Benenden Travel Insurance, all surplus funds are invested back into the Benenden community to help improve our services to our members.

10% discount on Benenden Travel Insurance

As a valued Benenden member, you can benefit from additional discounts. Receive a 10% discount on your travel insurance, don't forget to quote MEMBER10. We cover dependent children under 18 years of age, for free. Terms and Conditions apply.

Terms and conditions of the offer:

†The 10% promotional discount is available to all Benenden members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden reserves the right to alter, amend or withdraw this offer at any time. Medical conditions must be disclosed for consideration of acceptance subject to medical screening.

Comprehensive travel insurance

Our travel insurance offers three levels that include the core essentials, extra reassurance and optional add-ons for different types of holidays. Our annual multi-trip policy is convenient and could save you money compared to multiple single trip policies if you travel frequently.

The following is a summary of cover only and the policy is subject to terms, conditions, limits and exclusions. Please refer to the applicable sections of our policy wording booklet

For low cost holidays or short break
The perfect balance between value and cover
Our most comprehensive level of cover
We could pay up to the amount specified in the policy you choose should your baggage or personal effects be lost, damaged or stolen. We will take into account wear and tear and loss of value.
Cover for pre-existing medical conditions
All pre-existing conditions are considered on Silver and Gold policies and must be disclosed for consideration of acceptance.
Medical expenses
We could pay for your emergency medical bills, emergency dental treatment and repatriation to your home area (England, Scotland, Wales and Northern Ireland)up to the amount specified in the policy you choose).
£5 million
£10 million
£15 million
We could pay your unrecoverable holiday cost (up to the amount specified in the policy you choose).
Under most sections of this policy you have to pay the first part of any claim. This is called an excess. This will apply to each person claiming, to each incident and to each section of the policy you claim under.
Cruise cover
Our specialist cruise cover can help pay for additional accommodation costs incurred in joining your cruise ship journey at the next docking port if you fail to arrive on time. Cover also includes if you are confined to your cabin by the ship’s medical officer. For full details, please see policy wording
Golf cover
We will pay (up to the amount specified on the policy you choose) for: loss, damage or theft to golf equipment, golf equipment that is delayed for over 12 hours during your trip and your green fees if you are injured or unwell.
Business cover
We will pay up to the amount specified in the policy you choose for loss, damage or theft of business related equipment, essential items should your business equipment be delayed for over 12 hours on your outward journey, emergency courier services should you need to replace business equipment and lost business money. Additional personal accident money will be provided if you can give evidence that your trip was for business.
Winter sports cover
Please see the winter sports section of the policy wording for full details of the winter sport activities that you are covered for plus the additional coverage provided relating to winter sports equipment (owned or hired), Ski packs, Piste closure and Avalanche cover.

Your handy guide to choosing the right travel cover for your needs – whatever your age or medical condition:

1. Save time and money  if you have several trips planned, taking out annual cover could save you time and money.

2. Make sure you declare any pre-existing medical conditions –we can consider cover for all medical conditions on our Silver and Gold level policies.

3. Arrange your travel insurance as soon as possible  buying it early could help protect against financial risks such as cancellation.

4. Don’t choose a policy based on price alone  make sure you consider the features to ensure they meet your needs. We offer 3 levels of cover.

5. Don’t forget to select winter sports as an option  if you’re going skiing or snowboarding, make sure you have additional cover for winter sports activities. Cover can include piste closure or avalanche cover. Our annual multi-trip policies include this at no extra cost for travellers aged 65 and under. If you’re aged 66 and over, cover can be arranged on a referral basis. Call 0800 414 8301* to get your quote.

6. Carry your European Health Insurance Card (EHIC) card if you’re travelling in the European Union  if your medical costs are reduced from presenting your EHIC when receiving medical treatment within the EU, you may be able to save on your excess fees. The policy excess applicable under section B (Medical and other expenses) will be waived. Find out more about the EHIC card with our handy factsheet

7. Check out other reciprocal agreements with countries outside the EU  if you're travelling further afield, there are similar reciprocal agreements in place with countries and territories outside of the European Economic Area visit the NHS website for more information. Read more about the destinations we cover

Visit the people and places you love. Don’t let age or a pre-existing medical condition stop you

At Benenden, we understand how difficult it can be to find comprehensive travel insurance especially when you have a medical condition, or if you’re over a certain age. That’s why, we’ve made sure that as a member, you can access travel insurance with no upper age limit, and which considers all pre-existing medical conditions. What’s more, if you are travelling with your children, it’s good to know that we cover dependent children under 18 years of age for free, so you can take the whole family with you.

  • All pre-existing conditions considered on our Silver and Gold policies
  • Cover for all ages 
  • Dependant children are covered free

What am I covered for if I have a pre-existing medical condition?

Pre-existing medical conditions are considered on our Silver and Gold policies. Depending on the policy level you choose, below is a summary of what you could be covered for. For the full list, please read the policy wording document.

up to £1,500
up to £2,000
Medical expenses
up to £10 Million
up to £15 Million
up to £3,000
up to £5,000
24/7 Medical Assistance

How do I get travel insurance for pre-existing medical condition?

Our travel insurance considers all pre-existing medical condition on our Silver and Gold policies. You can get your personalised travel insurance quote online by using the ‘Get my quote’ button below or when you call one of our travel insurance specialists on 0800 414 8301. To get a current or pre-existing medical condition considered for cover, you will need to declare these during the quote process.

How do I declare my pre-existing medical condition?

You can declare your pre-existing medical condition when you get your travel insurance quote where you will be guided through the discreet medical screening process so we can provide you with a quote that suits your travel needs.

What is a pre-existing medical condition?

Any disease, illness or injury which:

  1. You have received or are receiving medication, advice or treatment; or
  2. You have experienced or are experiencing symptoms whether the condition has been diagnosed or not

Useful information

Important documents to read

If you purchased your policy on or after the 30th November, 2017

Policy wording document

If you purchased your policy before the 30th November, 2017

Policy wording for policies with MF/BD
Policy wording for policies with BEN or BNR

Useful phone numbers
24/7 Medical Assistance – 0800 414 8306* from the UK and (+44) 1904 427 155 from abroad
Lines open 24 hours
Making a change to your policy or any other queries about your policy – 0800 414 8302*
Lines open Mon to Fri 9am - 8pm, Sat 9am - 5pm and Sun 10am - 5pm
Making a claim – 0800 414 8303*
Lines open Mon to Fri 9am - 5pm
Purchasing a policy from Benenden – 0800 414 8301*
Lines open Mon to Fri 9am - 8pm, Sat 9am - 5pm and Sun 10am - 5pm
Making a complaint

Benenden Travel Insurance do everything they can to make sure that you receive a high standard of service.

If your policy begins MF/BD and you are not satisfied with the service you receive for sales or claims issues, such as how sales staff dealt with your call please write to us at:

The Customer Relations Manager
Benenden Travel Insurance
MAPFRE Assistance
One Victoria Street
Bristol Bridge
Phone: 0800 414 8304

If your policy begins BEN or BNR and you are not satisfied with the service you receive for sales or claims issues, such as how sales staff dealt with your call please write to the following addresses:

For a complaint about the sale of your policy – please contact: 

Benenden Travel Insurance 
AllClear House 
1 Redwing Court 
Ashton Road 
RM3 8QQ 
Phone: 0800 414 8305 

For complaints following a claim notification – please contact: 
The Customer Relations Manager 
Benenden Travel Insurance 
MAPFRE Assistance 
One Victoria Street 
Bristol Bridge 
BS1 6AA 
Phone: 0800 414 8304 

Your destination

Whether you’re planning a Caribbean cruise, Spanish beach holiday or a city break to Paris, we have a cover to suit you. Our policies are grouped into five different areas:

Your home area (the UK)
Europe (except Algeria, Israel, Jordan, Lebanon and Libya)
Worldwide, not inc. USA, the Caribbean and Canada
Australia and New Zealand
Worldwide, inc. USA, the Caribbean and Canada

Review the complete list of countries.

Planning to travel within Europe?

Make sure you have your European Health Insurance Card (EHIC) ready. Our factsheet on the EHIC helps you discover what it is, how to apply for one and how it differs and complements your travel insurance. Please note that an EHIC card is not a substitute for travel insurance as there are some substantial differences, so it’s important to travel with both.

The UK has reciprocal healthcare agreements with non-European Economic Area countries and territories such as Australia and New Zealand. So if you need immediate medical treatment in these countries, you may be entitled to it at a reduced cost, or even free. Similar to the EHIC card, you would be treated as if you were a resident in the country. However it’s important to note that some may have more restrictions than the NHS and these agreements do not cover routine appointments for pre-existing conditions or repatriation. Therefore it’s essential to be fully covered with travel insurance. For more information, visit the NHS website

Useful information

Our travel hub is your one-stop-shop on handy tips and hints about travelling  from conquering fears of flying to packing your suitcase, we answer everything you’ll need to know about your upcoming holiday.

Visit the travel hub

How to claim

If something’s gone wrong and you need medical assistance whilst overseas, or you need to make a claim when you return, don’t worry.

Benenden Travel Insurance gives you access to a specialist Assistance Team who can help you whilst you are overseas, if you, or any person insured on your travel policy has a medical problem on holiday.

For all other types of claim you might need to make, Travel Claims Services provide claims handling services on behalf of MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros S.A, the underwriter of Benenden Travel Insurance.

If you have a medical emergency whilst you’re on holiday

Your Benenden Travel Insurance policy gives you access to 24/7 medical assistance if you, or any person insured on your travel policy is ill or injured whilst on holiday. If you have a medical problem overseas, it is best to contact the Assistance Team as soon as possible – the 24/7 emergency service is provided 365 days a year.

24/7 medical assistance line +44 (0) 1904 427155 from abroad / 0800 4148306* from the UK. Lines are open 24 hours.

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If you have a medical emergency whilst you're on holiday

The assistance Team is there to:

  • Provide emergency medical assistance
  • Assess the validity of your claim

For full details of what to do in the event of a medical emergency, please see your policy terms and conditions.

Contact the Assistance Team on: +44 (0) 1904 427155 from abroad or 0800 4148306* from the UK, with the following information:

  • Your policy number
  • Your location
  • Medical information
  • Your travel plans - the date you left and the date you are due to come back

If you are in an emergency situation, you should make use of the local emergency services and contact the Assistance Team as soon after that as possible; a delay in notifying hospital admittance may reduce the cover we can offer, or it may invalidate the cover. This should be within 24 hours if you are admitted into hospital or, admitted into hospital and it is likely you will remain in hospital for more than 24 hours

The Assistance Team will usually issue a medical release form and ask you to sign and return it – this gives consent for them to obtain medical information from your treating doctor and, if necessary, from your GP in the UK. It’s best to complete and return this form as quickly as possible to prevent any delay. This will be handled according to where you are in the world and will be discussed with you when you contact them.

The Assistance Team will remain in regular contact with you during your period of treatment. Having one main point of contact – the patient or, if that’s not possible a travelling companion or a relative, helps keep things simple.

You can contact the Assistance Team at any point but it’s worth noting in the terms and conditions where costs incurred to call them are covered by your policy.

After medical treatment, most people are able to continue with their holiday. Sometimes, it may be necessary for arrangements to be made to bring you back home. If you cannot return home as planned, due to medical reasons, your policy will automatically extend to cover you and one other person until you are deemed medically fit to return home.

The Assistance Team, in conjunction with your treating doctor, will determine when and how you are fit to travel and will make the necessary arrangements. Usually, it is possible to return home by commercial airline, sometimes with a medical escort or in an upgraded seat. Occasionally, an air ambulance may be required. If it is deemed necessary for hospital admission in the UK, the Assistance Team will arrange it, before you return home.

Once you are safely back in the UK, the Assistance Team’s role is concluded. If you need to make a claim for any expenses incurred that are covered by the policy, you can contact Travel Claims Services who administer claims on behalf of Benenden Travel Insurance, who will advise you as to whether your claim will be covered or not subject to the terms and conditions of your policy and how to proceed with the making the claim.

Please see your policy booklet for full details of what to do in the event of a medical emergency.

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If you need to make a claim

Claims for Benenden Travel Insurance are handled by Travel Claims Services, who provide claims handling services on behalf of MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros S.A,, our travel Insurance underwriter.

They aim to make claiming simple - to start, download and complete a claim from the options below – make sure you choose the claims form which is most relevant to the claim you wish to make.

Claims must be registered within 31 days of your trip ending. Please ensure that you send all relevant documentation to support your claim with your completed form. Please note that you may be required to send the original documents.

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Claim forms you can download

PDF Baggage Delay / Baggage / Money PDF Cancellation PDF Curtailment (cutting short your trip) PDF Medical Emergency PDF Personal Liability / Accident / Legal Expenses PDF Ski Equipment / Piste Closure/Ski hire/Ski pack PDF Travel Delay / Missed Departure

Send your claim to

Once you have downloaded and completed the relevant claim form, please send it to:

Travel Claims Services
One Victoria Street  
Bristol Bridge 

An acknowledgement letter will be sent upon receipt of your completed claim form which will advise you of your unique claim reference number. Please make sure you quote this reference number in any future contact you have about your claim.

Alternatively, claims can also be registered by email, please send a brief description of your claim to:

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Useful phone numbers
Speak to our claims team – 0800 414 8303*
Lines open Monday to Friday, 9am - 5pm
24/7 Medical Assistance Line – 0800 414 8306* or (+44) 1904 427 155 from overseas
Lines open 24 hours
The claims process
Claim is initiated by completing a claim form and returning it by email or post; or if you have any questions and choose to speak to the claims team first, a claim form will be sent out within 2 working days. Once received, complete and return the claim form, with the required supporting documents, to Travel Claims Services.
Your claim will be added to the claims system and an acknowledgement letter sent – so you know it’s been received.
New claims are allocated to a claims handler to review. After this review, it is possible that your claim may be settled or declined. This will depend on the documents received, the circumstances and the cover provided by your policy.
If the initial review shows that further information is needed, you will be contacted to request this. This is to ensure that an informed decision can be made in relation to your claim.
Upon receipt of additional documents, the claims handlers will review your claim in line with the policy terms and conditions. If you’re covered, a settlement proposal will be prepared in line with the cover provided by your policy. If a claim is found not to be covered by your policy, a full explanation as to why it has been declined will be provided.
If cover for the claim is confirmed, in order to ensure accuracy and fairness, the claim will be reviewed by a claim authoriser. Should there be no issues with the claim, a settlement letter will then be sent to you, confirming the settlement amount and the calculations used to reach this amount.
Your claim should be released within 1 working day of the settlement being authorised and a cheque will be issued.
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Before you get a quote, we’d like to let you know the following

  • We've carefully selected a partner to offer Benenden Travel Insurance to our members
  • Our travel insurance is offered from a single insurer. We partnered with Mapfre Assistencia who is the underwriter of Benenden Travel Insurance. Insure and Go, a wholly owned subsidiary of Mapfre Assistencia arrange and administer the policies.
  • When you proceed to get a quote, you will not receive advice or a recommendation. You must decide whether this travel insurance policy meets your needs and circumstances. Please note that you may be asked some questions to narrow down the selection of products that we will provide details on.
  • When you purchase Benenden Travel Insurance, the information you provide will be used by Insure and Go to arrange and administer your insurance policy and will be shared with third parties for administrative purposes and to deal with any claim

Please proceed to get a quote using the button below