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.
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.
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
- You have received medication, advice or treatment; or
- You have experienced symptoms whether the condition has been diagnosed or not
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
PDF Policy wording for policies with MF/BD PDF Policy wording for policies with BEN PDF Offer terms & conditions
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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
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.
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 you have a medical emergency whilst you're on holiday
If you need to make a claim
Important documents
Send your claim
Useful phone numbers
The claims process
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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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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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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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
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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