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Important Information About Our Policies

Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or "all but essential" travel.

Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section. Click here for more information.

If you have been diagnosed with HIV, you should get a Travel Insurance policy in place before the beginning of your trip. To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017. Summary of… Read more... GET A QUOTE FOR TRAVEL INSURANCE WITH COVER FOR HIV

HIV Travel Insurance

If you have been diagnosed with HIV, you should get a Travel Insurance policy in place before the beginning of your trip.

To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017.

Summary of Cover

Section & Cover Silver Gold Platinum  
Cancellation or Curtailment - £2,000 £5,000  
Medical and Repatriation £10,000,000 £10,000,000 £10,000,000  
Personal Liability - £2,000,000 £2,000,000  
Personal Baggage - £2,000 £3,000  
Personal Money - £400 £400  
Delayed Departure - £100 £100  
Missed Departure - £500 £500  
Legal Expenses - £25,000 £25,000  
Failure of Carrier £1,500 £1,500 £1,500  
Medical Excess* £500 £150 Nil
Standard Excess* £100 £75 Nil

*The excess payable does vary depending on the claim benefit.

Travel Insurance Extras

Extension Benefit Europe (per person) Worldwide (per person)
Missed Connection £10.00 £10.00
Gadget Cover £10.99 £10.99
Terrorism Extension £16.00 £24.00

Missed Connection

Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.

The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination.

Gadget Cover

We will pay up to £1,000 for the intrinsic value or cost of repair of your Gadgets (maximum £500 per Gadget), which are lost, stolen, damaged or destroyed whilst you are away on your trip. Unauthorised calls if your mobile phone is stolen up to £75

We can cover the following Gadgets: Mobile phones, ipads and tablet computers, e-readers, sat nav, ipods and MP3 players, cassette players/CD players, computer games machines and any equipment used with them such as CDs, games, tapes, cassettes or cartridges.

You must take reasonable care of your Gadgets and not leave them unattended in a public place. You must own the item and be able to provide proof of ownership. Allowance will be made for wear and tear and depreciation

Terrorism Extension

Covers your portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 (excursion limited to £250) should you not wish to travel due to an act of terrorism occurring prior to your outbound travel date and within a 40 mile radius of your booked accommodation.

If you have already travelled, your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.

Epidemic or Pandemic Travel Restriction

£50 for each full 24 hour period up to a maximum of £500.

A benefit payable if, when you are abroad, you are prevented from leaving a country due to restrictions in travel caused by an epidemic or pandemic and will help with the cost of additional accommodation and living expenses.

The cover is not applicable under the following circumstances; You are travelling against Foreign Office or World Health Organisation advice or you have travelled to an area where the possibility of an epidemic or pandemic occurrence has already been announced.

Medical Questions

When obtaining a quote for Travel Insurance to cover this condition, you will be asked a number of questions. These will include:

  • In the last three months have you started a new antiviral drug or is a new drug planned ?
  • What is your latest CD4 count ?
  • You have been on antiviral treatment for more than three months, what is your latest viral load ?
  • Have you been advised to start antiviral treatment but chosen not to ?

Travel Advice

If you are planning a trip you should make sure you are well enough to travel. Consult your Doctor before your holiday and follow and advice they may have.

Some countries you travel to may require you to receive vaccinations but this is not recommended due to the suppressed state of the immune system.

Make sure you bring enough Medication for the length of your trip, and some extra in case of delays. Carry it in hand luggage in case it gets lost.

Useful Website

Terrence Higgins Trust

HIV Travel

Important Information

Before you leave the country, it is important to purchase a Travel Insurance policy that will cover HIV or any other pre existing medical condition you may have.

This Travel Insurance is provided by goodtogoinsurance.com. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.


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