Helping us to help you more
Any surplus funds received from Benenden Travel Insurance is reinvested back into the Benenden Health community to help look after our members' health and wellbeing.
Existing members
Policy changes / enquiries
Lines open 9am – 5pm Monday to Friday and Bank Holidays
Existing members
24/7 Medical Assistance
Open 24 hours, 7 days a week
(+44) 203 467 4122 from outside the UK
Benenden Travel Insurance
What we can offer you
Travel insurance that considers all pre-existing conditions.
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.
Policies now cover cancellation, curtailment and emergency medical expenses incurred as a result of being medically diagnosed with the Coronavirus (COVID-19). For more details please visit our coronavirus FAQ page.Cover for all ages.
You can add your family to the same travel insurance policy quickly and easily with our cover for all ages.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 the day or night, 365 days a year.Comprehensive and flexible.
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.
As well as your journey home if it’s medically necessary.Brexit advice.
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.
Benenden Wellbeing Limited Travel Insurance is arranged by IES Limited and administered by AllClear Insurance Services Limited.
Policy is subject to terms and conditions, limits, and exclusions. For more information, please refer to the important information tab where you can find details of our policy wording.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDs).
If you have a serious medical condition you may benefit from being insured by a specialist provider.
View a directory of specialist providers from Money Helper, or call 0800 138 7777.
*The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
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. For more information, please refer to the important information tab where you can find details of our policy wording.
Gold
Gold+
Platinum
Cover for Coronavirus
If you need to cancel or cut short your trip because you're medically diagnosed with Coronavirus, or need medical treatment for Coronavirus while abroad, we could pay your unrecoverable holiday cost. This is up to the cancellation benefit amount specified in the policy you choose.Included
Included
Included
Baggage
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'll take into account wear and tear and loss of value.£2,000
£2,500
£3,000
Cover for pre-existing medical conditions
Pre-existing conditions are considered and must be disclosed for consideration of acceptance.Yes
Yes
Yes
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).£10 million
£15 million
Unlimited
Cancellation
We could pay your unrecoverable holiday cost up to the amount specified in the policy you choose.£2,000
£15,000
£25,000
Excess
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.£0 - £250
depending on claim
depending on claim
£75
Nil
Cruise cover
Specialist cruise cover will 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're confined to your cabin by the ship’s medical officer.No
Optional
Included as standard
Golf cover
You're covered for the loss of golf equipment and loss of green fees (paid before your trip commenced) because of serious injury or illness, up to the amounts specified in your policy. You'll also get £100 if you complete a hole-in-one!Optional
Optional
Optional
Business cover
We'll 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.No
No
No
Winter sports cover
Please see the winter sports section of the policy wording booklet 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.Optional
Optional
Optional
Your handy guide to choosing the right travel cover
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 all our travel insurance 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.
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 in the policy wording.
If you have a serious medical condition you may benefit from being insured by a specialist provider.
View a directory of specialist providers from Money Helper, or call 0800 138 7777.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDs).
Ready to get your travel insurance?
Benenden Health members get 10% off when you take out a policy with us.*
*The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
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 you can access travel insurance that has no upper age limit and considers pre-existing medical conditions.
What is a pre-existing medical condition?
Any disease, illness or injury which:
You have received medication, advice or treatment for; or.
You have experienced symptoms whether the condition has been diagnosed or not.
How do I get insurance for my pre-existing medical condition?
Get your personalised travel insurance quote online by using the ‘Get a quote’ button below.
Speak to one of our travel insurance specialists on 01708 339029.
When do I declare my pre-existing medical condition?
Declare your pre-existing medical condition when you get your travel insurance quote.
You'll be guided through the discreet medical screening process so we can provide you with a quote that suits your travel needs.
Covid-19 travel with confidence
All of our travel insurance policies include cancellation cover if you should contract Coronavirus (COVID-19) within 14 days of your departure date, and up to unlimited cover for emergency medical expenses if you're medically diagnosed with Coronavirus whilst on your holiday.
If you have a serious medical condition you may benefit from being insured by a specialist provider.
View a directory of specialist providers from Money Helper, or call 0800 138 7777.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDs).
Ready to get your travel insurance?
Benenden Health members get 10% off when you take out a policy with us.*
*The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
Useful telephone numbers
24/7 Medical Assistance
0203 467 4122 from the UK
(+44) 203 467 4122 from outside the UK
Lines open 24 hours
Making a claim
You can register your claim online with CSA using their online claims portal. Alternatively, you can request a claim form by calling the claims helpline.
0800 011 3135
Lines open 9am – 5pm Monday to Friday
General enquiries and making a change to your policy
01708 339 029
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.
AllClear Complaints
AllClear House
1 Redwing Court
Ashton Road
Romford
Essex
RM3 8QQ
Phone: 01708 339001
Lines open:
8.30am - 8.00pm Monday to Friday and Bank Holidays
9.00am - 5.30pm Saturday
10.00am - 5.00pm Sunday
If you have a serious medical condition you may benefit from being insured by a specialist provider.
View a directory of specialist providers from Money Helper, or call 0800 138 7777.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDs).
Ready to get your travel insurance?
Benenden Health members get 10% off when you take out a policy with us.*
*The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
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're overseas, if you, or any person insured on your travel policy has a medical problem on holiday.
If you need to make a claim before you travel or after you return from your trip
You can register your claim online with CSA using their online claims portal. Alternatively, you can request a claim form by calling the claims helpline.
0800 011 3135
If you need assistance while you are away
0203 467 4122 from the UK
(+44) 203 467 4122 from outside the UK
Lines open 24 hours
Please see your policy terms and conditions for full details of what to do in the event of a medical emergency.
If you have a serious medical condition you may benefit from being insured by a specialist provider.
View a directory of specialist providers from Money Helper, or call 0800 138 7777.
Find information about Benenden Travel Insurance, policy documents and Insurance Product Information Documents (IPIDs).
Ready to get your travel insurance?
Benenden Health members get 10% off when you take out a policy with us.*
*The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
Important Policy Documents
Gold policies
Gold including cancellation - Insurance Product Information Document (IPID)
Gold excluding cancellation - Insurance Product Information Document (IPID)
Gold increased excess - Insurance Product Information Document (IPID)
Gold Plus policies
Gold Plus including cancellation - Insurance Product Information Document (IPID)
Gold Plus excluding cancellation - Insurance Product Information Document (IPID)
Platinum policies
Significant changes in cover for Covid-19 related claims with effect from 27 June 2022
Changes to Silver, Gold, Gold Plus and Platinum Travel Insurance Policies with effect from 13th December 2023:
Changes to Gold, Gold Plus and Platinum policies
Significant changes to Benenden Gold Plus & Platinum Travel Insurance Policies, June 2024
For claims, please go to our how to claim section.
As a Benenden Health member, receive a 10% discount when you take out a travel insurance policy with us.
* The 10% promotional discount is on the base price only and available to all Benenden Health members who quote MEMBER10 when taking out a travel insurance policy. Offer is available to new policies only. Benenden Travel Insurance reserves the right to alter, amend or withdraw this offer at any time.
We just need to let you know the following:
We've carefully selected a partner to offer Benenden Travel Insurance to our members.
When you proceed to get a quote from AllClear, you won't receive advice or a recommendation. You must decide whether the 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 you will be provided details on.
When you purchase Benenden Travel Insurance, the information you provide will be used by IES Limited to arrange your insurance policy and by AllClear Insurance Services Ltd. to administer your insurance policy. This information will also be shared with third parties for administrative purposes and to deal with any claim.
Before you obtain a quote, please make sure you've read about Benenden Travel Insurance. Once you've read the information and you're happy to proceed please obtain a quote from our partner IES Limited using the button below.
Your Travel Insurance quotation will be provided by IES Limited, who arrange the policy.
Any policies purchased are administered by AllClear Insurance Services Ltd, and underwritten by Zurich Insurance Company. For more information please read about Benenden Travel Insurance.