FAQs

Howden Sport Travel Insurance covers a very wide range of activities from Abseiling to Zorbing. Click here for activities we are able to cover. Should your activity not appear on the list please call us on 02392 419 039. We are open Monday to Friday 9am-5pm, closed Bank Holidays.

We can cover groups of any number, with some qualifying for discounts of up to 20%.

If you are arranging a trip for a group of up to 10, get a quote online now.

For groups of 11 or more, please call us on 02392 419 039 (Monday to Friday, 9am to 5pm – except Bank Holidays).

The policy is available to people aged 69 years or under who are registered with a medical practitioner and permanently resident in the United Kingdom (England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man).

Cover is available to people aged 69 years or under. If you are aged over 69 please call us on 02392 419 039. We are open Monday to Friday 9am-5pm, closed Bank Holidays.

Howden Sport Travel Insurance is underwritten by Antares Syndicate 1274 at Lloyd’s

Antares is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

This can be checked on the Financial Services Register by visiting www.fca.org.uk.

Howden Sport Travel Insurance will cover all countries and areas except those which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation (WHO) or similar body has advised against all or all but essential travel.

Please read the Insurance Policy for details of the cover.

The EHIC allows you to access state provided healthcare in all European Economic Area (EEA) countries and Switzerland. Your EHIC will be accepted for the remainder of its validity.

From 4th January 2021, if you do not have a valid EHIC you will need to apply for a GHIC but please be aware that the GHIC does not cover Switzerland, Iceland, Liechtenstein or Norway.

For more information or to apply for your GHIC: online at www.dh.gov.uk/travellers or by telephoning 0845 606 2030.

Presenting your EHIC/GHIC at a public medical facility will allow you to obtain treatment at a reduced cost and in many cases free of charge, provided you are a UK or BFPO resident (please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC/GHIC).

You must carry it with you when travelling abroad. Remember to check your EHIC/GHIC is still valid before you travel.

Yes. Please send us a message with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

Howden Sport Travel Insurance contains exclusions relating to your health and to that of other insured persons on the policy. You must refer to the ‘Important Conditions Relating to Health’ of your Insurance Policy. If you are travelling outside the UK and you answer  YES to any of the Medical Screening Questions you must contact the Medical Screening Line on 02392 419 068. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Note: In some cases an additional premium may be payable if we are able to cover the declared medical condition(s).

The maximum duration of any individual trip is 6 months (although for persons aged 65-69 years the maximum trip duration is 3 months).

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call Sport Travel Insurance on 02392 419 039. We are open Monday to Friday 9am-5pm, closed Bank Holidays.

If you are making several trips a year, Annual Multi-trip cover is usually the most cost effective option. For a single premium you will be covered for any number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

The Annual Multi-trip policy covers you for an unlimited number of trips throughout the year up to a maximum of 60 days each trip.

Please note: a trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

Trips in the UK, Channel Islands and the Isle of Man are covered.

A trip must involve pre-booked accommodation or travel unless it is a ‘one-off’ event taking place on a single day.

No, we are unable to extend cover beyond the maximum duration limit.

A family premium is available for Annual Multi-trip cover, for you and your husband/wife/civil partner or partner who are aged 64 years or under at the time of purchasing the policy (and have co-habited for at least 6 months), plus your unmarried, dependent children (including fostered or adopted), all aged under 18 years at the time of purchase of the policy. Independent travel allowed by you and your husband/wife/civil partner or partner but not your children.

Part A includes cover for specialist Activity Equipment up to £1,000 per person with a single item limit of £600.

If you select Part B you will be covered up to £5,000 per person for travel, accommodation and pre-paid activity course fees should you find it necessary to cancel, curtail or abandon your holiday/trip. These limits cannot be increased. However, if you require top-up cover for cancellation for your travel or accommodation, please call Sport Travel Insurance on 02392 419 039. We are open Monday to Friday 8am-6pm, closed Bank Holidays.

Howden Sport Travel Insurance has a 24 hour medical emergency and repatriation service.

Tel. +44 (0) 20 7902 7405

Further details of this service are shown in your Insurance Policy.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home.

If you are admitted as an inpatient then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.

Click here for details.
Full details of what you need to do to make a claim are also shown in your Insurance Policy.

We aim to provide a first class claims service and respond within 10 working days of receipt of correspondence.

You can pay by debit or credit card. We accept Mastercard and Visa.

Your policy schedule and policy documents are delivered to the email address you provide.

Yes you should print a copy of your Schedule and Policy Documents and carry them with you.

The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance and making arrangements for hospital admission, repatriation and authorisation of medical expenses.

If you are not completely satisfied with the cover provided you may return your policy to us within 14 days of the date of issue or recieveing the policy documents, whichever is later. Provided that you have not commenced your trip, no claim is intended or has been made, your premium will be refunded in full.