Benenden Travel Insurance

Choose your cover

Benenden Travel insurance

Reasons to add Benenden Travel Insurance to your holiday checklist:

  • All pre-existing conditions considered on our Silver and Gold policies – regardless of your age or medical condition, we’ve made sure that all our members could access our travel insurance 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 all ages and children are covered for free – you can add every family member to the same 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 18 years of age, for free.
  • 24/7 Medical Assistance whilst you’re away – if you become ill or injured whilst you’re away, we will provide you with help immediately. 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. 
  • You already trust us with your healthcare – choose Benenden Travel Insurance and trust us to look after you and your family on your next holiday.

What’s more, as a not-for-profit mutual society, any surplus money from Benenden Travel Insurance is put back into the Benenden communal pot to help look after our members' health and wellbeing.

10% discount on 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

Comprehensive doesn’t mean uncompromising

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

Bronze
Silver
Gold
For low cost holidays or short break
The perfect balance between value and cover
Our most comprehensive level of cover
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 will take into account wear and tear and loss of value.
£1,500
£1,500
£2,000
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.
No
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).
£5 million
£10 million
£15 million
Cancellation
We could pay your unrecoverable holiday cost (up to the amount specified in the policy you choose).
£1,000
£3,000
£5,000
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.
£75
£60
£50
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 are confined to your cabin by the ship’s medical officer. For full details, please see policy wording 65 and under 66 and over
Optional
Optional
Optional
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.
No
Optional
Optional
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.
No
Optional
Optional
Winter sports cover (aged 65 and under)
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
Winter sports cover (aged 66 and over)
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.
Referral basis
Referral basis
Referral basis

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 could access travel insurance regardless of your age or pre-existing medical condition. 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
  • 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.

Sliver
Gold
Baggage
£1,500
£2,000
Medical expenses
£10 Million
£15 Million
Cancellation
£3,000
£5,000
24/7 Medical Assistance
£1,500
£2,000

 

How do I declare my pre-existing medical condition?

You can declare your pre-existing medical condition when you get your quote either online by using the get a quote button below or when you call one of our travel insurance specialists on 0800 414 8301. You will then be guided through the discreet medical screening process so we can provide you with a quote that suits your travel needs.

What happens if I don’t declare my pre-existing medical condition?

It is very important that you declare any medical conditions as failure to do so may invalidate a claim that relates directly or indirectly to a pre-existing medical condition.  

What is a pre-existing medical condition?

Any disease, illness or injury which

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

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

Important documents to read

PDF Policy wording for policies with MF/BD PDF Policy wording for policies with BEN PDF Offer terms & conditions

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
Bristol
BS1 6AA
Phone: 0800 414 8304
E-mail: customerrelationsteam@mapfre.co.uk

If your policy begins BEN 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 
Romford 
Essex 
RM3 8QQ 
Phone: 0800 414 8305 
E-mail: 66+complaints@benendentravel.co.uk

For complaints following a claim notification – please contact: 
The Customer Relations Manager 
Benenden Travel Insurance 
MAPFRE Assistance 
One Victoria Street 
Bristol Bridge 
Bristol 
BS1 6AA 
Phone: 0800 414 8304 
E-mail: customerrelationsteam@mapfre.co.uk

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 the 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

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.

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:

  • To provide emergency medical assistance
  • To 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 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.

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 the original documentation to support your claim with your completed form. Please note that photocopies cannot be accepted and can lead to a delay in the handling of your claim.

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Important documents to read

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 
Bristol
BS1 6AA

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: claims@travelclaimsservices.com

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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
1
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 1 working day. Once received, complete and return the claim form, with the required supporting documents, to Travel Claims Services..
2
Your claim will be added to the claims system and an acknowledgement letter sent – so you know it’s been received.
3
New claims are allocated to a claims handler to review. After this review if 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.
4
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, 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.
5
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.
6
If settled, to ensure accuracy and fairness, the claim will be reviewed by authorisers and a settlement letter will then be issued to you.
7
Your claim should be released within 1 working day of the settlement being authorised and a cheque will be issued.
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