Workshop: Getting the most from your travel insurance
A free 60-minute practical workshop on travel insurance: what cover you actually need, the exclusions that catch most travellers out, how to read the medical emergency section, and what to do when a claim happens away from home.
What this session covers
This 60-minute workshop is designed for anyone who has travel insurance but is unsure exactly what it covers — or has discovered gaps only when making a claim. It is general education, not personal advice.
The six standard sections of a travel policy and which ones matter most.
Government travel advice, pre-existing conditions, sports and activities, alcohol clauses. See our travel insurance guide for an overview.
Why this section matters more than any other, what limits to look for, and how repatriation cover works.
The emergency line, pre-authorisation, documentation to keep, and common reasons claims are rejected.
Questions taken in the final five minutes.
Event details
This session is general educational information. It does not constitute personal insurance advice and should not be relied on as such. Consult your policy documents and, if needed, a licensed insurance adviser for your specific circumstances.
Register your place (free)How to prepare
To get the most from this session, read our travel insurance guide beforehand. If you have a current travel policy, have the policy schedule to hand so you can follow along with the exclusion and limits sections. You may also find it useful to review the guide to policy exclusions and the glossary entry for excess if these concepts are new to you.
Travel workshop FAQ
Frequently asked questions
- Credit card travel cover varies widely in scope. Most card policies have lower medical limits, exclude pre-existing conditions entirely, and impose restrictions on trip length or destination. Before relying on card cover, check the specific limit for overseas emergency medical treatment — the benchmark used by the MoneyHelper travel insurance guide is at least £2 million for Europe and £5 million for the US. Many card policies fall well below this.
- Most travel policies exclude claims arising from travel to destinations against your government's official travel advice. In the UK, this is advice issued by the Foreign, Commonwealth and Development Office (FCDO). In the US, it is the State Department Travel Advisories. If you travel despite a Level 3 or Level 4 advisory (or the UK equivalent), your insurer may refuse any claim — including medical emergencies. Always check before booking.
- For medical emergencies, call the insurer's 24-hour emergency line — the number is usually on your policy certificate or the insurer's app. Do not pay for significant treatment and claim back later without authorisation; many policies require pre-authorisation for inpatient care. Retain all receipts, medical reports, police reports (for theft), and any written evidence of delay (for cancellation). Our travel insurance guide covers the full claims process.