Cover for other activities may be provided if declared to and accepted by Voyager Insurance Services (01483 562662). We reserve the right to apply special terms and conditions and an additional premium may also apply. Please see General Exclusions 8, 10 and 11, in the policy wording for more information.

Winter sports activities are excluded unless the appropriate additional premium has been paid. 21 days Winter sports is included as standard on Annual Multi-trip policies. In no event is winter sports covered for persons over the age of 74. In no event is ski jumping, ski acrobatics, ski flying, ski racing (in major events) , ski stunting, snow cat skiing, ice hockey, lugeing or the use of skeletons or bobsleighs covered. Please see general exclusion 9 in the policy wording.

Please note you are not covered for anything caused by you travelling on a motor cycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets. Please note there is no cover under personal Liability for anything relating to your ownership possession or use of motorised vehicles.

Responsible Travel Insurance FAQs

Below are some commonly asked questions about Responsible travel insurance, if the answer to your query is not here then please call us on 01483 562 662 and we'll be happy to help.

What are the maximum journey durations on Responsible Travel Insurance?
What are the maximum ages allowed on the policy?
Can I work abroad and still be covered?
What activities are covered under the insurance?
What ski cover is provided under the different policies?
Can I return to the UK for short breaks to visit my family during the duration of my policy?
Can I stopover in the USA on my way to Australia, but pay the Australian rate?
If I decide to stay abroad for longer can I extend my cover?
I don't need travel insurance because I'm covered under the EHIC. Is this right?
Who should be informed about pre-existing medical conditions?
Who handles claims?

What are the maximum journey durations on Responsible Travel Insurance?

Long Stay - 15 Months
Single Trip - 45 Days
Annual Multi-trip - Multiple trips up to 45 Days each (to a maximum of 183 Days per year)

What are the maximum ages allowed on the policy?

The maxmium ages on the Responsible Travel Insurance are as follows:
Long Stay - 64 years old
Single Trip - 84 years old
Annual Multi-trip - 74 years old

Can I work abroad and still be covered?

Yes, so long as it is not heavy or hazardous manual labour such as building work. Bar work and grape picking, for example, would be covered. However the insurance will not provide any cover under the personal liability or personal accident sections of the policy for any claim arising out of or in connection with any work of any nature. Please telephone Voyager on 01483 562662 to check whether a particular type of work will be covered.

What activities are covered under the insurance?

Leisure
This policy automatically covers you to undertake the activities listed below on and amateur basis
Abseiling	Dry slope skiing (W/S premium must be paid)	Angling
Aerobics	Fell running	Pony trekking
Angling	Fell walking	Raquet ball
Archery	Fencing	Rafting (grades 1-4)
Athletics (amateur)	Flying (in a light aircraft as a passenger, not piloting)	Rambling
Badminton	Fishing (angling)	Rifle range shooting
Ballooning	Football (recreational and incidental soccer)	Roller blading
Banana Boating	Glacier walking (under 2000m, W/S premium must be paid)	Roller skating
Baseball	Go karting below 250cc (no liability)	Rounders
Biathlon (amateur)	Golf	Rowing
Big foot skiing (W/S premium must be paid)	Handball	Safari (organised trips only)
Black water rafting (grades 1-4)	Hiking/trekking/walking below 4000m	Sail boarding
Boating (inside 12 mile limit)	Hill walking	Sailing (inside 12 mile limit)
Boardsailing	Hockey	Scuba diving (up to 30m unqualified)
Bowls	Horse riding (NOT competitions, racing, jumping & hunting)	Skateboarding (recreational)
Bowling	Hot air ballooing (as a passenger only)	Sledging (W/S premium must be paid)
Bungee jumping (incidental 1-3 jumps)	Ice skating (on rink, W/S premium must be paid)	Snooker
Camel riding	Indoor climbing (on climbing wall only)	Snorkelling
Canoeing (grades 1-3)	Jet skiing (no liability)	Snow-boarding (W/S premium must be paid)
Canoeing (grades 4-5)	Kayaking (grades 1-3 rivers/sea)	Snow-mobiling (W/S premium must be paid)
Catamaran sailing (inside 12 mile limit)	Kayaking (grades 4-5)	Softball
Clay pigeon shooting	Kite buggying (single seat)	Squash
Climbing (indoor only)	Kite surfing (over water)	Surfing
Cricket	Lacrosse	Table Tennis
Croquet	Marathon running	Ten pin bowling
Cross country skiing (W/S premium must be paid)	Mono-skiing (W/S premium must be paid)	Tennis
Curling	Motorcycling (on road, providing you hold an appropriate full license and are wearing a helmet)	Tobogganing (W/S premium must be paid)
Cycling (not BMX competition or stunting)	Mountain biking	Trampolining (recreational)
Cycling (recreational including mountain bikes)	Netball	Trekking up to 4000m
Dance (amateur)	Off-piste skiing (W/S premium must be paid)	Volleyball
Deep sea fishing (recreational inside 12 mile limit)	Orienteering	Water polo
Dinghy sailing (inside 12 mile limit)	Paintballing	Water skiing
Diving (recreational)	Parascending (towed by boat)	White water canoeing/rafting (up to grade 3 rivers only)
Dog sledging (W/S premium must be paid)	Pistol shooting	Windsurfing (inside 12 mile limit)
		Yachting (inside 12 mile limit)
Action
In addition to the activities listed above, the following activities will also be covered on an amateur basis are are subject to a 50% premium load. Please note there is no cover provided under Section 4 - personal accident and Section 10 - personal liability while participating in one of these activities. The policy excess will be increased to £200 per person per claim.
Black water rafting (grades 5-6)	Judo (training only)	Parachuting (static line)
Bungee jumping (more than 3 jumps)	Karate (training only)	Paragliding
Flying (piloting of light aircraft as PPL holder)	Kendo (training only)	Quad biking (under 250cc)
Football (amateur competition/tour)	Kick boxing (training only)	Rafting (above grade 4)
Glacier walking (2000-6000m, W/S premium must be paid)	Kite surfing (over land)	Scuba diving (40m max qualified)
Gliding (as pilot with necessary license)	Martial arts (training only)	Skateboarding (demonstration or competitive)
Gymnastics	Mountain biking (including competitions)	Trekking (4000-6000m)
Hiking/trekking/walking 4000-6000m	Parachuting	White water canoeing/rafting (grade 4 and over)
Action Plus
In addition to the activities listed above, the following activities will also be covered on an amateur basis are are subject to a 100% premium load. Please note there is no cover provided under Section 4 - personal accident and Section 10 - personal liability while participating in one of these activities. The policy excess will be increased to £200 per person per claim.
American Football	Gaelic football	Parachuting (sky diving tandem & solo)
Bouldering (with crash pad; max height 7m)	Gliding (as pilot under instruction)	Polo
Canyoning	Hang gliding	Rugby union & league (amateur)
Catamaran sailing (outside 12 mile limit)	High diving	Sky diving (tandem or solo)
Cycling (BMX or stunting)	Horse riding (competition)	Heli skiing (with qualified guide, W/S premium must be paid)
Diving (high diving)	Hurling
Flying (piloting of light aircraft under instruction)	Ice hockey

What ski cover is provided under the different policies?

Long Stay - Winter sports cover is available by paying the additional winter sports premium. Cover is provided for winter sports equipment and ski pack. Two options are available: Option 1 allows ski cover up to 31 days. Option 2 provides cover for the entire duration of the Long Stay policy. Please note there is no cover under long stay for piste closure.
Single Trip - When the appropriate double premium is paid for winter sports, cover is extended to allow winter sports activities and provides cover for winter sports equipment, ski pack and piste closure.
Annual Multi-Trip - The policy includes up to 21 days winter sports cover. Cover is provided for winter sports equipment, ski pack and piste closure.

Can I return to the UK for short breaks to visit my family during the duration of my policy?

Yes. A return to the UK is allowed for up to 2 weeks. However, no cover would be in force whilst in the UK.

Can I stopover in the USA on my way to Australia, but pay the Australian rate?

Single Trip - Yes, stopovers of up to 48 hours in a higher rated area are covered.
Long Stay - Yes, the rating area for long stay is determined by where the majority of your time will be spent.

If I decide to stay abroad for longer can I extend my cover?

Yes, on a Long Stay policy, provided you notify us prior to your cover lapsing and subject to there being no claims pending and that you are not aware of any potential claims, your policy can be extended. In no event can the insurance exceed 15 months.

I don't need travel insurance because I'm covered under the EHIC. Is this right?

This is a common misconception. The EHIC in Europe and Medicare in Australia provide reciprocal health arrangements with the UK. However, there are many restrictions such as payment is often limited to a percentage of the total cost; it only applies in certain cases; on-going drugs to treat the condition are not covered nor are ambulance costs and repatriation costs. Under Emergency Medical and Associated Expenses - section 2, you will not have to pay a policy excess if your claim is reduced by using the EHIC.

Who should be informed about pre-existing medical conditions?

Please read the medical questions on the policy wording. If you answer yes to any of the medical questions you will need to call our Healthcheck Screening Service on 0845 003 5244.

Who handles claims?

For all claims, please request an appropriate claim form by telephoning Ireland Assist Limited (part of Mapfre Assistance) on 01454 640027.