If you are taking more than one trip a year, an Annual Multi-Trip policy may be more suitable. This covers you for multiple trips within the destination area you have chosen during a 12 month period for up to 62 or 92 days depending on the level of cover you select.

You can get help from the Foreign Commonwealth & Development Office (FCDO) website, which offers a wealth of travel advice, tips and up-to-date information on most countries.

Our policies can cover many medical conditions. We offer a simple medical screening process, and this will tell you whether your existing medical condition will be covered. However, for some conditions you may have to pay a bit more to make sure you're fully covered. It’s important to declare all pre-existing medical conditions for all those that are included on the policy. That’s because if you fail to do so, and you subsequently need to make a claim which is linked to a condition, it’s likely the claim will be declined.

Money and Pensions Service (MaPS)

Money and Pensions Service (MaPS) has developed a directory of specialist travel insurance providers to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we have been unable to provide a quote or if you would like to check the quote provided by us is the best for you, you may contact them for details of these providers to obtain a comparison by calling 0800 138 7777 or by visiting their website.

Yes. Our Annual insurance allows up to 62 days for any one trip if you choose Economy or Premier cover, or up to 92 days if you select First Class cover.

Yes, we can cover you and up to five of your children with a family policy. If it's just the two of you, please select a couple policy.

Our family policies cover your children aged 17 and under. If your child is 18 or over they can purchase a policy in their own name or purchase a group policy that can cover you all.

There are some exclusions which are detailed fully in the policy wording. Here are some of the main ones:

•  There is no cover under any section of the policy and no trip cancellation cover as a result of the Foreign Commonwealth & Development Office (FCDO) changing their advice and moving a country from the current exempt from quarantine list. There is also no cover, including if you have to cancel your trip as a result of you being unable to travel due to government travel restrictions (e.g. National Lockdown or Tier Restrictions). If you decide to travel anyway, this policy will not cover you for any peril that may arise, and any subsequent claim under any section of cover in the policy will be rejected.

•  Travelling against medical advice or to obtain medical treatment;

•  Pre-existing medical conditions that haven't been agreed by us;

•  Hazardous sports or activities that haven't been agreed by us;

•  Pregnancy or childbirth, if the due date is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip;

•  Theft from unattended vehicles in some circumstances;

•  Loss or theft of baggage not reported to the police within 24 hours or as soon as possible after that; and

•  Flying, except as a fare-paying passenger in a licensed passenger carrying aircraft

Please also see our dedicated COVID-19 insurance information.

If you purchased “Thomas Cook Holiday Insurance” on or after 1st September 2023 a copy of your wording can be found here:

Policy Wording

Insurance Product Information Document (IPID)

If you’ve purchased Economy, Premier or First Class Travel Insurance product, copies of your documents can be found here:

Policy Wording

Economy Insurance Product Information Document (IPID)

Premier Insurance Product Information Document (IPID)

First Class Insurance Product Information Document (IPID)

If you purchased your policy prior to 1st September 2023 and require a copy of your Policy Wording or IPID please email us at travel.sales@thomascookcover.com