Lines open 9am – 5pm Monday to Friday and Bank Holidays
Open 24 hours, 7 days a week
(+44) 1904 427 155 from outside the UK
Benenden Travel Insurance
What we can offer you
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 conditions, 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).
Cover for Coronavirus related claims
New policies purchased from 5 August 2020 now cover cancellation, curtailment and emergency medical expenses incurred as a result of being medically diagnosed with the Coronavirus or COVID-19. For more details please visit our coronavirus FAQ page.
Cover for all ages - and 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 up to 3 children per insured adult, up to a maximum of 6, under the age of 18 for free.
24/7 Medical Assistance while you’re away with our insurance cover
If you become ill or injured whilst you’re away, you can call the 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 and ambulance cost
As well as your journey home if it’s medically necessary. We can pay the hospital directly for any medical expenses you’re covered for (subject to policy limits) – please see our How to claim page for more details on our Cashless Medical service
Policy is subject to terms and conditions, limits and exclusions. For more information, please refer to our policy wording.
Terms and conditions of the offer:
* The 15% promotional discount is available to all Benenden Health members who quote MEMBER15 when taking out an annual multi-trip policy. The 10% promotional discount is available to all Benenden Health members who quote MEMBER10 when taking out a single trip policy. Offer is available to new policies only. Benenden reserves the right to alter, amend or withdraw this offer at any time.
For medical assistance whilst you're away, call our medical assistance line, day or night.
You can find policy documents, important phone numbers and tips on staying healthy while on holiday.
View a directory of specialist medical providers that you may benefit from if you have a serious medical condition.
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 if you travel frequently and could save you money compared to multiple single trip policies.
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
Your handy guide to choosing the right travel cover for your needs – whatever your age or medical condition:
Save time and money
If you have several trips planned, taking out annual cover could save you time and money.
Make sure you declare any pre-existing medical conditions
We can consider cover for medical conditions on our Silver and Gold level policies.
Arrange your travel insurance as soon as possible
Buying it early could help protect you against financial risks such as cancellation.
Don’t choose a policy based on price alone
Make sure you consider the features to ensure they meet your needs. We offer three levels of cover.
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. Call 0800 414 8301 to get your quote.
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. If you’re travelling to the USA and need to see a Doctor whilst you are on holiday, our Benenden Travel Insurance will help set things up for you to speak with a Doctor or Healthcare specialist. Read more about the destinations we cover.
You can speak to a travel insurance specialist to discuss the right level of cover for you and your family.
For medical assistance whilst you're away, call our medical assistance line, day or night.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDS)
Visit the people and places you love - don’t let age or a pre-existing medical condition stop you
At Benenden Health, 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 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.
- Pre-existing conditions considered on our Silver and Gold policies
- Cover for all ages
- Dependent children are covered free. We cover up to 3 children per insured adult, up to a maximum of 6, under the age of 18 for free.
What is a pre-existing medical condition?
Any disease, illness or injury which:
- You have received medication, advice or treatment; or
- You have experienced symptoms whether the condition has been diagnosed or not
What am I covered for if I have a pre-existing medical condition?
Pre-existing medical conditions are considered in 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.
How do I get insurance for my pre-existing medical condition?
Our travel insurance considers pre-existing medical conditions 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.
When do I declare my pre-existing medical condition?
You can declare your pre-existing medical condition when you get your travel insurance quote. You will be guided through the discreet medical screening process so we can provide you with a quote that suits your travel needs.
Serious medical condition?
Do you have a serious medical condition that may benefit from being insured by a specialist provider? If so, you can view a directory of specialist medical providers, or call 0800 138 7777.
You can speak to a travel insurance specialist to discuss the right level of cover for you and your family.
For medical assistance whilst you're away, call our medical assistance line, day or night.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDS)
Useful telephone numbers
24/7 Medical Assistance
0800 414 8306 from the UK
(+44) 1904 427 155 from abroad
Lines open 24 hours
Making a claim
0800 414 8303
Lines open Mon to Fri 9am -5pm
Making a change to your policy or any other queries about your policy
0800 414 8302
Lines open 9am – 5pm Monday to Friday and Bank Holidays
Making a complaint
At Benenden Travel Insurance we do everything we can to make sure that you receive a high standard of service.
If you’re not satisfied with the service you receive for sales or claims issues, such as how sales staff dealt with your call please contact us using the information below.
The Customer Relations Manager,
Benenden Travel Insurance,
MAPFRE Assistance,
One Victoria Street,
Bristol Bridge,
Bristol,
BS1 6AA
Phone: 0800 414 8304
Lines open 9am – 5pm Monday to Friday and Bank Holidays
E-mail: customerrelationsteam@mapfre.co.uk
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, Mexico, the Caribbean and Canada
Australia and New Zealand
Worldwide, inc. USA, Mexico, the Caribbean and Canada
Review the complete list of countries.
Brexit and Benenden Travel Insurance
The UK and European Union agreed a deal which came into effect on 1 January 2021. This includes a change to the use of the European Health Insurance Card (EHIC) which entitles UK citizens to state-provided medical treatment if they fall ill or have an accident in EU countries, as well as a number of others. All EHIC cards issued before the end of 2020 will be valid until their expiry date. The EHIC will shortly be replaced by the Global Health Insurance Card (GHIC). Like EHIC, the GHIC will cover chronic or existing illnesses, routine maternity care and emergencies. The government advises that you should purchase a travel insurance policy that includes healthcare cover before going on holiday, especially if you have a pre-existing medical condition.
Brexit: How it affects your travel insurance - find out more
For more general information on travelling abroad now that the UK has left the EU, along with information on the EHIC and GHIC cards, please visit the Government website
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 of 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 by travel insurance. For more information, visit the NHS website.
Directional Care whilst in the USA
If you are travelling to the USA and need to see a Doctor whilst you are on holiday, our Benenden Travel Insurance will help set things up for you to speak with a Doctor or Healthcare specialist.
Data from the US Centres for Disease and Control (CDC) suggests that 66% of Emergency Room visits in the USA are classified as ‘non-emergency’, with an average wait time of four hours*. By getting in touch with our 24/7 Medical Assistance team, we can give you and your family access to treatment as and when you need it with one of our walk-in centres, urgent care clinics, house-calls and available telemedicine experts from across the USA; all near to your location, and all from a simple phone call to us.
Note that in serious emergencies, always seek medical attention at your nearest public healthcare facility before you or someone on your behalf contacts us. Please refer to the ‘What to do - Medical and other emergencies’ section of your policy document for more details.
*Data sourced from the US Centres for Disease and Control. Click here to see the source material.
You can speak to a travel insurance specialist to discuss the right level of cover for you and your family.
For medical assistance whilst you're away, call our medical assistance line, day or night.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDS)
Quick links
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, 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.
You won’t have to pay the entire medical expenses fee upfront whilst you’re on holiday with Cashless Medical. We’ll pay the hospital directly for any medical expenses you’re covered for, up to your policy limit, minus your policy excess. Available in many locations worldwide including the USA, Greece, Turkey and more. To access this service, you must phone our 24-hour medical assistance contact centre on +44 (0)207 748 8908 before seeking treatment and we’ll advise if the service is available where you are.
24/7 medical assistance line +44 (0) 1904 427155 from abroad / 0800 4148306 from the UK. Lines are open 24 hours.
The Assistance Team can:
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’re due to come back
In an emergency medical situation
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’re admitted to 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 policy terms and conditions where costs incurred to call them are covered by your policy.
After medical treatment
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 can’t 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’re 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.
Back in the UK
Once you’re 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 terms and conditions 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, our travel insurance underwriter. Travel Claims Services have produced a holiday cancellation guide which provides advice on what you should do before you make a claim on your travel policy.
They aim to make claiming simple – visit https://www.travelclaimsservices.com/Claims to download and complete the claim form which is most relevant to the claim you wish to make. Please note that claims must be registered within 31 days of your trip ending.
Important Notice
Until further notice, please do not send any claims forms or supporting documentation by post to our address as the office is now operating with minimal staff due to government guidelines during the Coronavirus emergency.
We are still able to accept and process documentation sent by email to enquiries@travelclaimsservices.com and will endeavour to resume our normal service as soon as possible.
With this in mind, there is no need to send original documentation to us at this present time, where you are able to email it, although please do retain it as we may ask you to provide this at a later date.
If you have no other alternative than to send documentation by post, please bear with us as this may not be acknowledged or processed for some time.
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Useful telephone numbers
Customer Services - 0800 414 8302
Lines open 9am – 5pm Monday to Friday and Bank Holidays
Speak to our claims team – 0800 414 8303
9am - 5pm Monday to Friday
24/7 Medical Assistance Line – 0800 414 8306 or (+44) 1904 427 155 from overseas
Lines open 24 hours
The claims process
How to make a claim
Claim is initiated by completing a claim form and returning it by email; or if you have any questions and choose to speak to the claims team first, a claim form will be sent out within one working day. 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’s 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’ll be contacted to request this. This is to ensure that an informed decision can be made in relation to your claim, and, where eligible, reclaim the costs from any other relevant sources (such as other insurance policies that would cover the incident, or a third party who may have caused the incident the claim is based on). This helps to protect your renewal premiums and the overall cost of Benenden Travel Insurance policies.
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’s been declined will be provided.
If settled, to ensure accuracy and fairness, the claim will be reviewed by authorisers and a settlement letter will then be issued to you.
Your claim should be released within one working day of the settlement being authorised and a cheque will be issued.
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You can speak to a travel insurance specialist to discuss the right level of cover for you and your family.
For medical assistance whilst you're away, call our medical assistance line, day or night.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDS)
Important documents to read
For claims, please go to our how to claim section
Bronze level cover
Single Trip UK Only - Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Silver level cover
Single Trip UK Only – Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Gold level cover
Bronze level cover
Single Trip UK Only - Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Silver level cover
Single Trip UK Only – Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Gold level cover
Bronze level cover
Single Trip UK Only - Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Silver level cover
Single Trip UK Only – Insurance Product Information Document (IPID)
Annual Multi-trip - Insurance Product Information Document (IPID)
Gold level cover
About Benenden Travel Insurance
Who regulates us?
Benenden Travel Insurance is distributed by Benenden Wellbeing Limited, an insurance intermediary, which is authorised and regulated by the Financial Conduct Authority (Financial Services Register number 593286). Registered in England and Wales (Company No 8271017). Benenden Wellbeing Limited is a wholly owned subsidiary of The Benenden Healthcare Society Limited. Registered Office of both: Holgate Park Drive, York, YO26 4GG. You can find us on the Financial Services Register at www.fca.org.uk/register or you can call them on 0800 111 6768. Benenden Health is a trading name of The Benenden Healthcare Society Limited.
About our service
Benenden Wellbeing Limited distributes the product on behalf of the insurer. You will not receive advice or a recommendation from us. This means that you need to make your own decision as to the suitability of the product for your circumstances.
About the product
Benenden Wellbeing Limited only offers travel insurance from a single insurer, MAPFRE Asistencia. Insure & Go, a wholly owned subsidiary of MAPFRE Asistencia, arrange and administer the policy.
What you will have to pay us for our service
Benenden do not charge you any fees in relation to your travel insurance.
What we receive
MAPFRE Asistencia pays Benenden Wellbeing Limited a percentage commission from the total premium to sell the product on their behalf.
Making a complaint
If you think that we haven’t given you the service you expected, we’d like you to let us know so that we can try to put things right. If you’re not happy you should contact our Customer Relations team, using the address shown in your documentation. If they can’t resolve your complaint they’ll let you have written confirmation of our final response so you can refer the matter to the Financial Ombudsman if you’d like to do so. This won’t affect your right to take legal action.
Financial Services Compensation Scheme
This service is covered by the Financial Services Compensation Scheme (FSCS) – further information can be found in the policy documentation.
You can speak to a travel insurance specialist to discuss the right level of cover for you and your family.
For medical assistance whilst you're away, call our medical assistance line, day or night.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDS)
We just need to inform you that Benenden Travel Insurance is arranged and administered by Insure and Go Insurance Services.
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 Asistencia who is the underwriter of Benenden Travel Insurance. Insure & Go, a wholly owned subsidiary of Mapfre Asistencia 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.
If you haven’t already, before you get a quote, please make sure you have read about Benenden Travel Insurance.
Once you have read the information, if you are happy to proceed please get a quote using the button below.
Terms and conditions of the offer:
* The 15% promotional discount is available to all Benenden Health members who quote MEMBER15 when taking out an annual multi-trip policy. The 10% promotional discount is available to all Benenden Health members who quote MEMBER10 when taking out a single trip policy. Offer is available to new policies only. Benenden reserves the right to alter, amend or withdraw this offer at any time.