If you're only going away once this year, our Single Trip Cover is likely to be your best bet. You'll be covered for certain things, like holiday cancellation, from the moment you purchase your policy. Other cover, for emergency medical expenses, for example, only begins on the date that your policy starts. Make sure you're covered from the date you begin your travels until the date you arrive home.

Annual Multi Trip Cover is our cost-effective solution for frequent travellers. You enjoy year-round cancellation cover with this option. And you can take any number of trips during the year, knowing that you're covered for emergency medical expenses, personal liability and legal expenses, and loss or damage to your baggage, amongst other things.

Flexible Cover is unique to Gnu Insurance. We understand that not all customers want to pay a high premium for an annual policy - you may not be certain you'll make full use of it. So we've developed a brand new type of travel insurance that can adapt to your changing needs over the year.

Flexible Cover gives you the security of year-round cancellation cover at a low cost. You purchase your Annual Base Cover up front. Then you just add 'Pay By The Day' Cover before any trips. It's ideal if you go away between 14 and 28 days per year. Consider Flexible Cover if you're already planning one holiday and are likely to go away again before the year is out.

To make sure that you're covered for cancellation, you must purchase travel insurance as soon as you book any trip. We hope everything goes smoothly with your travel plans. But if things go wrong, Gnu Insurance can cover the cost of cancelling a trip up to £7,500. Cancellation cover begins on the start date on your insurance certificate or at the time of booking your trip (whichever is later).

If you are purchasing single trip cover, you should choose as your policy start date the date your trip begins and end the cover on the date your scheduled to arrive home. Your cancellation cover will start from the date that you purchased the policy.

Annual Multi Trip cover begins on your policy start date. You can start your policy straight away, even if you're not travelling for a while. That way you'll be covered from now on for cancellation of any future trips that you've arranged.

Yes, you need both. Your EHIC lets you access state-provided healthcare in European Economic Area (EEA) countries and Switzerland, either free of charge or at a reduced cost. Your EHIC won't cover the cost of private healthcare or repatriation, and it doesn't provide any protection against things like lost baggage and holiday cancellation. To be fully covered in Europe, you must apply for an EHIC and purchase appropriate travel insurance.

You're entitled to a full refund if you contact us within 14 days of issue, unless you have already taken your trip during this period. Any claim made on a cancelled policy will not be paid. You can cancel your policy at any time, but no refund will be given outside of this 14-day 'cooling-off' period.

Maximum durations
Our Annual Multi Trip policies have the following duration limits per trip:

Cover can be extended to 60 days per trip by calling us on 0800 054 6601, however travellers aged over 69 may only travel for up to 45 days per trip.

Winter Sports
For ski and snowboarding trips you have cover for 17 days in total within any twelve month period where you have purchased Annual Multi Trip with optional Winter Sports cover.

You can find a copy of your travel policy document by clicking onto our Policy Document page, and you can now access older policies too.

Although we specialise in providing affordable travel insurance for over 50s, we can provide cover for travellers of almost all ages. You can purchase a Single Trip or Annual Multi Trip policy for groups of up to 10 people - whether it's family or friends you're travelling with. Under Annual Multi Trip policies any adult is insured to travel independently. Flexible Cover is only available for individuals and couples.

Yes, and we offer discounts for couples too. For our purposes, we define 'couple' as the main policyholder and his/her partner in a domestic relationship residing at the same address. Your partner may be a:

Under Annual Multi Trip policies either adult is insured to travel independently.

We can also insure families and groups as well as the solo traveller. Our Single Trip or Annual Multi Trip cover can be purchased for parties of up to 10 people.

No. Gnu Insurance policies are only available for return trips beginning and ending in the United Kingdom (England, Scotland, Wales and Northern Ireland).

No. Our cover is for residents of the United Kingdom only. You must be ordinarily resident in the UK to apply for Gnu Insurance.

Gnu Insurance covers you for any journey you make, whether its purpose is business or pleasure, subject to the geographical area and time period stated on your insurance certificate.

Both our Annual Multi Trip Cover and Flexible Cover give you UK cover as standard. You're covered for all trips within the UK where you have pre-booked at least two nights' accommodation. Emergency medical benefit and hospital benefit are excluded from your cover when travelling in the UK.

No. If you've already begun a trip, we can't cover you for it. The only exception is where you're renewing an existing Annual Multi Trip policy that's due for renewal during your trip.

Gnu Insurance aims to give you complete peace of mind on your travels and cover you for pre-exisiting medical coniditions. To make sure that our travel insurance can cover all of your needs, we must know before you purchase a policy whether you have any illnesses or injuries that might require treatment or cause treatment to be required on your trip.

If we offer you travel insurance, you can rest assured that any pre-existing medical conditions you've declared will be covered. We'll agree cover of pre-existing conditions in writing and an additional premium may apply. Failure to declare all pre-existing medical conditions may invalidate your policy.

Once you've purchased your cover, please let us know about any changes to your health - or the health of others insured on your policy. We'll need to update your policy, and you may need to pay an additional premium to make sure you're covered for all of your current medical conditions.

We need to know about any condition for which you've taken medication or received treatment - whether from a doctor, at hospital or in a nursing home. This includes any medical or psychological condition, disease, injury or symptom that's required treatment, prescribed medication and/or medical consultation or investigation in the two years preceding the start date of your policy.

You must also tell us about any cardiovascular or circulatory condition you've suffered at any time before the policy start date. And you must keep us informed of any new medical conditions that you develop and let us know if an existing condition worsens. Failure to do so could invalidate your policy.

Unfortunately this insurance will not cover you if you have any symptoms for which you are awaiting investigation/consultation, or are awaiting results of investigations, where the underlying cause has not been established. We'll be happy to offer cover once you've received a full diagnosis or had full clearance from your doctor.
You may be best to delay purchasing cover until your investigations are complete.
Becoming ill when abroad can be a costly business. It may be unwise to travel without cover for what has the potential to be a medical condition requiring expensive emergency treatment.

Yes. All Gnu Insurance policies include cover for repatriation expenses as standard, where medically necessary. We’ll pay for the cost of a medical escort to bring you back to the UK. And we’ll also cover the cost of your accommodation, food and nursing in a nursing home for up to 10 days once you’re back on UK soil.

If you find that your travel plans are affected by the Icelandic volcanic ash incident, you should:

A summary of the cover provided by your Gnu policy:

If you have Single Trip Cover and accept an alternative flight at a later date, we will amend your insurance policy to cover the changed dates of travel

Our prices reflect the cost of delivering emergency help and support to policyholders country by country. So be sure to choose cover according to your final destination. We offer cover for Europe, Worldwide (excluding North America and the Caribbean) and Worldwide. Details of the countries covered by each area are as follows:

1. Europe
Trips to the following countries will be covered: Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Channel Islands (Bailiwicks of Guernsey and Jersey, Sark and Herm), Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, France, Georgia, Germany, Greece, Hungary, Iceland, Republic of Ireland, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, FYR Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia west of the Ural mountains, San Marino, Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom (England, Scotland, Wales and Northern Ireland) and Vatican City.

2. Worldwide (excluding North America and the Caribbean)
Trips to all countries excluding USA, Canada, Mexico and the Caribbean countries will be covered.

3. Worldwide
Trips to any destination are covered.

Each of our policies covers the following sports and activities as standard: sand dune surfing/skiing; scuba diving up to depth of 18 metres (if qualified or accompanied by qualified instructor and not diving alone); shooting (within organiser's guidelines); skateboarding (wearing pads and helmet); sledging (not on snow); snorkelling; softball; spear fishing (without tanks); squash; students working as counsellors or university exchanges for practical course work (non manual); surfing; swimming; swimming with dolphins; swimming/bathing with elephants; Sydney harbour bridge crossing (walking across roped together); table tennis; ten pin bowling; tennis; trampolining; tree canopy walking; trekking/hiking/walking up to 2, 000 metres above sea level; tug of war; volleyball; wake boarding; water polo; water skiing/water ski jumping; whale watching; wind surfing/sailboarding; wind tunnel flying (pads and helmet to be worn); zip lining/trekking (safety harness must be worn); zorbing/hydro zorbing/sphering.

We'll also cover you for the following sports and activities, but no personal liability cover is included: camel riding; clay pigeon shooting; driving any motorised vehicle for which you are licensed to drive in the UK area (other than in motor rallies or competitions), a helmet must be worn when using motorised two or three wheeled vehicles; glass bottom boats/bubbles; go karting (within organiser's guidelines); golf (unless you have purchased Golf Cover); hovercraft driving/passenger; jet boating (no racing); jet skiing (no racing); karting (no racing); paintball/war games (wearing eye protection); power boating (no racing and non-competitive); quad biking (no racing); sailing/yachting (if qualified or accompanied by a qualified person, no racing); sand yachting; shooting - small bore target/rifle range; speed sailing; tall ship crewing (no racing).

Individuals up to the age of 64 can choose to add Winter Sports Cover to any of our travel insurance policies. By adding this option, you'll also be covered for incidents related to winter sports and/or ski equipment.

We cover you to participate (at a non-professional level) in the following sports when you pay for Winter Sports Cover: airboarding, big foot skiing, blade skating, dry slope skiing, glacier skiing/walking, husky dog sledding (organised, non-competitive with local driver), ice go karting (within organiser's guidelines), ice skating, ice windsurfing, kick sledging, ski-blading, ski boarding, ski run walking, *skiing on piste, skiing - mono, *skiing - off piste with a guide, ledging/tobogganing, sledging/sleigh riding as a passenger (pulled by horse or reindeer), snow blading, snow boarding, snow shoe walking, snow tubing, winter walking (using crampons and ice picks only).
*A piste is a recognised and marked ski run within the resort boundaries.

Add Golf Cover to your Gnu Insurance policy to be protected for golf equipment, golf liability and green fees, and to enjoy hole-in-one benefit - we'll stump up to help you celebrate your success at the bar. You'll be covered for incidents related to golf equipment (golf clubs, golf balls, golf bag, golf trolley and golf shoes) only if you select and pay for our Golf Cover option.

Under most sections of any of our policies, claims are subject to an excess. You'll be responsible for paying the initial excess amount for each and every claim per incident for each insured person. Please refer to your policy document to see what excesses are payable.

When you purchase Cruise Cover with your Gnu Insurance policy, a higher benefit limit will apply to your cancellation and baggage cover. Which means that you can set sail with greater peace of mind.