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.
  1. What are the maximum journey durations on Responsible Travel Insurance?
  2. What are the maximum ages allowed on the policy?
  3. Can I work abroad and still be covered?
  4. What activities are covered under the insurance?
  5. What ski cover is provided under the different policies?
  6. Can I return to the UK for short breaks to visit my family during the duration of my policy?
  7. Can I stopover in the USA on my way to Australia, but pay the Australian rate?
  8. If I decide to stay abroad for longer can I extend my cover?
  9. I don't need travel insurance because I'm covered under the EHIC. Is this right?
  10. Who should be informed about pre-existing medical conditions?
  11. Who handles claims?
  12. What is the phone number for emergency assistance?
  13. Who are the insurers for Responsible Travel Insurance?
 
What are the maximum journey durations on Responsible Travel Insurance?
Long Stay - 18 Months
Single Trip - 12 Months
Annual Multi-trip - Multiple trips up to 31 days each
What are the maximum ages allowed on the policy?
The maxmium ages on the Responsible Travel Insurance are as follows:
Long Stay - 55 years old at date of departure
Single Trip - 100 years old at date of departure
Annual Multi-trip - 74 years old at policy start/renewal date
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. Manual work means work that involves hands-on use, installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, heavy power tools and industrial machinery, and hands-on electrical and construction work or work above two storeys or 3 metres above ground level (whichever is the lower), building sites, any occupation involving heavy lifting. Manual work does not include work that is purely managerial/supervisory, sales or administrative capacity, bar, restaurant and catering trade staff, musicians and singer, fruit pickers (who do not use heavy machinery), casual light work, light agricultural work, supervised conservation work, voluntary charity work labour where there is no financial gain and supervised animal sanctuary work. Cover excludes interaction with dangerous wild animals such as lions, tigers or big cats of any kind. Please telephone Voyager Insurance Services Ltd on 01483 562662 if you are unsure 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 an amateur basis
Abseiling Fell Walking Rafting (grades 1-3)
Aerobics Fencing Rambling
Angling Fishing (Angling) Rifle range shooting
Archery Flying (in light aircraft as passenger, not piloting) Roller blading
Athletics Football (recreational or incidental soccer) Roller skating
Badminton Glacier walking (under 2,000m W/S premium must be paid) Rounders
Ballooning Gliding (as a passenger, not piloting) Rowing
Banana boating Go Karting below 250cc Safari (organised trips only)
Baseball Golf Sailboarding (inside 12 mile limit)
Basketball Handball Sailing yachts (longer than 10 metres, within 60 miles of a safe haven)
Biathlon Hiking/trekking/walking below 4,000m Scuba diving (maximum depth 30m)
Big foot skiing (W/S premium must be paid) Hill Walking Skateboarding (recreational)
Black water rafting Hockey Skiing (W/S premium must be paid)
Boating (any craft less than 10 metres long, inside 12 mile limit) Horse Riding (NOT competitions,racing, jumping or hunting) Sledging
Boardsailing Hot Air Ballooning (as a passenger only) Sleigh riding (pulled by reindeer, horses or dogs)
Bowls Ice Skating (on a rink, recreational only) Snooker
Bowling Indoor Climbing (on climbing wall only) Snorkelling
Bungee Jumping (incidental 1-3 jumps) Jet Skiing Snowboarding (W/S premium must be paid)
Camel Riding Kayaking (grades 1-3 rivers/sea) Snowmobiling (W/S premium must be paid)
Canoeing (grades 1-3) Kite buggying (single seat) Softball
Clay pigeon shooting Kite flying (traction) Squash
Climbing (indoor only) Kite surfing (over water) Surfing
Cricket Lacrosse Table tennis
Croquet Mono-skiing (W/S premium must be paid) Tai chi (non-contact)
Cross country skiing (W/S premium must be paid) Motorcycling (on road, povided you hold an appropriate full licence and are wearing a helmet, max 14 days any one trip) Ten pin bowling
Curling Mountain biking (not competition or downhill) Tennis
Cycling (recreational, not BMX, competition or stunting) Netball Tobogganing
Dance Off-piste skiing (providing local safety guidelines and warnings are observed) Trampolining (recreational)
Deep sea fishing (recreational inside 12 mile limit) Orienteering Volleyball
Dinghy sailing (inside 12 mile limit) Paintballing Water polo
Diving (recreational) Parascending (towed by boat) Water skiing
Dog sledging Pistol shooting Water tubing
Dry slope skiing Pony trekking White water canoeing/rafting (up to grade 3 rivers only)
Elephant trekking Racquet ball Windsurfing (inside 12 mile limit)
Fell running   Yachting (longer than 10 metres, within 60 miles of a safe haven)
    Zip wiring
Action (not applicable to Long Stay policies unless declared to us and confirmed in writing)
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.
Bungee jumping (more than 3 jumps) Glacier Walking (2000m-4000m, W/S premium must be paid) Rafting (grade 4 and over)
Canoeing (grade 4 and over) Gliding (as pilot with necessary licence) Scuba diving (maximum depth 40m)
Cycling (including event training) Gymnastics Skateboarding (demonstation or competitive)
Flying (piloting of light aircraft as PPL holder) Kayaking (grade 4 and over) White water canoeing/rafting (grade 4 and over)
Football (amateur competition/tour) Marathon running  
Action Plus (not applicable to Long Stay policies unless declared to us and confirmed in writing)
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.
American Football   Kick boxing (training only)
Bouldering (with crash pad; max height 7m) Heli Skiing (with a qualified guide, W/S premium must be paid) Martial arts (training only; excluding mixed martial arts)
Canyoning Horse riding (including jumping but not racing/hunting) Polo (elephant or horse)
Cat skiing (W/S premium must be paid) Hurling Roller hockey
Cycling (including competition but not BMX or stunting) Ice hockey (W/S premium must be paid) Rugby union & league
Flying (piloting of light aircraft under instruction) Judo (training only) Sailing (more than 60 miles from safe haven)
Gaelic Football Karate (training only) Triathlon (not exceeding Olympic distance)
Gliding (as pilot under instruction) Kendo (training only)  

Special conditions and exclusions applicable to Action and Action Plus activities.

Please not: Whilst participating in any of the activities listed under Action or Action Plus, the following will apply:

  1. no cover will be provided under section 4 - personal accident.
  2. no cover will be provided under section 10 - personal liability.
  3. the policy excess under section 2 - emergency medical expenses will be increased to £200 per person per claim.
  4. Any involvement in these sports and/or activities is subject to your compliance with local laws and regulations and the use of recommended safety equipment (such as a helmet, harness, knee and/or elbow pads).
Please note the normal policy terms and conditions will still apply in other respects

Please also refer to the general exclusions and conditions.

Cover for other activities may be provided if declared to and accepted by Voyager Insurance Services (01483 562 662). We reserve the right to apply special terms and conditions and an additional premium may also apply. Please see General Exclusions 8 to 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, however, is cover granted for winter sports if you are aged over 74 or for ski jumping, big air, aerials, freestyle or stunting.

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. There is no cover under personal Liability for anything relating to your ownership possession or use of motorised vehicles.

What ski cover is provided under the different policies?
Long Stay - Winter sports cover is available for a maximum of 31 days by paying the additional winter sports premium. Cover is provided for winter sports equipment and ski pack. 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. Return visits to the UK are allowed for up to 2 weeks. However, no cover would be in force for the duration of these visits.
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 you will spend more than 50% of your time.
If I decide to stay abroad for longer can I extend my cover?
Yes, on a long stay policy, provided notify us prior to their cover lapsing and subject to there being no claims pending or outstanding that you aware of, the policy can be extended.
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.
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 Screening Service on +44 (0) 203 829 6761.
Who handles claims?
For all claims, please request an appropriate claim form by telephoning Travel Claims Facilities on +44 (0) 203 829 6761.
What is the phone number for emergency assistance?
If you need to contact the emergency assistance company, please call Emergency Assistance Facilities on + 44 (0) 203 829 6745.
Who are the insurers for Responsible Travel Insurance?
Responsible Travel Insurance is arranged by Voyager Insurance Services Ltd. This insurance is arranged by Voyager Insurance Services Ltd. It is underwritten by Underwritten by Travel Insurance Facilities Insured by Union Reiseversicherung AG, UK. and Travel Insurance Facilities are authorised and regulated by the Financial Conduct Authority. Union Reiseversicherung AG are authorised by BaFin and subject to limited regulation by the Financial Conduct

Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority.

You can check these details on the Financial Services Register by visiting the FCA's website on www.fca.org.uk/register or by contacting them on 0800 111 6768.