Frequently Asked Questions about Travel First Insurance
Q: WHY SHOULD I CHOOSE TRAVEL FIRST INSURANCE
A: TRAVEL FIRST INSURANCE provides a personal service where we listen to our client’s particular requirements. We then select the cover to suit you. TRAVEL FIRST INSURANCE can arrange cover with extensive benefits at competitive premiums for all travellers, whether cover is required for a holiday or to visit friends or relatives . In addition extra cover can be included for golfers and their golf equipment.
Q: IS GOLFGUARD FULLY AUTHORISED TO ACT AS AN INSURANCE BROKER?
A: Yes, TRAVEL FIRST INSURANCE is one of the trading names of the legal entity Golfguard Ltd, a company registered in England and Wales with the Company number 02452429. Golfguard is authorised and regulated by the Financial Conduct Authority (FCA). Our FCA Register number is 310410.
Q: CAN TRAVEL FIRST INSURANCE ARRANGE WORLDWIDE COVER?
A: Travel First Insurance will offer you the opportunity to select cover in Europe, Worldwide excluding USA, Canada and the Caribbean or Worldwide including USA, Canada and the Caribbean.
Q: CAN YOU PLEASE GIVE AN UPDATE ON THE INSURERS POSITION REGARDING CORONAVIRUS
As the rules and regulations provided by various Governments throughout the world is ever changing, we would advise you always to check the Government Website to obtain accurate up to date information regarding travel and Covid 19 regulations for a particular destination you are thinking of travelling to.
Q: CAN I ARRANGE AN ANNUAL POLICY?
A: Annual cover is available up to the age of 85 for the more frequent traveller either in Europe or Worldwide including or excluding USA, Canada and the Caribbean. The maximum duration you can spend overseas will depend on your age and area of the world where you require cover. Cover for a single trip can be arranged with no upper age limit.
Q: CAN YOU ADVISE ME REGARDING MEDICAL CONDITIONS?
A: The basis of the cover arranged for each insured person, is that all persons are healthy, fit to travel to undertake the trip, will not be travelling against the advice of a medical practitioner, have not received a terminal prognosis from a medical practitioner and will not be travelling with the intention of obtaining medical treatment abroad.
The insurance will exclude any claim arising from any medical condition for which there has been surgery, treatment, investigation (or tests or investigations that are ongoing) which existed prior to the trip, unless the condition has been declared to and accepted in writing by the insurers’ Medical Screening Helpline.
The Key Facts and Policy Document provided by each insurer will contain details in respect of Disclosure of Pre-Existing Medical conditions and we would advise that these are carefully read prior to arranging cover. The documents will provide a list of medical conditions and if any person upon whose health a trip may depend has one (and only one) of the accepted medical condition cover can be provided without reference to the medical screening helpline.
However should a claim arise from that condition, the person’s doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why the insured person should need to claim on this policy:
Should you need to contact the medical screening helpline to discuss your medical condition(s) or the medical condition of someone on whose health a trip may depend, we will provide you with the insurers’ Medical Screening Helpline telephone number.
Q: DO YOU PROVIDE COVER FOR A FAMILY?
A: Yes we can provide cover for a family. Annual cover for families can offer extremely good value and would normally include cover for school trips.
Q: CAN I ARRANGE COVER FOR A WINTERSPORTS HOLIDAY?
A: TRAVEL FIRST INSURANCE can arrange wintersports cover. However, this would be dependent on your age limit and subject to medical acceptance.
Q: ARE THE PREMIUMS QUOTED PER PERSON FOR THE SINGLE TRIPS?
A: Yes – the premiums we quote you will be per person unless otherwise stated and include Government Insurance Premium Tax at 20%
If you have any questions, please call 0800 581 801 or contact us.