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Travel Insurance

Buy Travel Insurance from award winning Travel Insurance Provider

At Mulberry Travel we’re able to offer exclusive terms on great value travel insurance that won’t let you down when you need it. We’ve used our group buying power with Holiday Extras to provide our customers with comprehensive travel policies to suit all travellers, all underwritten by Allianz – the world’s largest travel insurance group.

Arranging the right travel insurance policy for you and your family couldn’t be easier, simply book your policy online with peace of mind, or call and speak to a dedicated team of insurance experts on 0800 093 1900, quoting “Q8318”.

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Key Features

Key Features

  • Policies you can rely on
  • Cancellation Cover
  • Free UK Call Centre Support
  • High Value Holidays
  • Day Trips
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COVID-19 Holiday Insurance Cover

COVID-19 CoverQ&A's

COVID-19 & Improvements to Holiday Extras Travel Insurance

From 3rd August 2020, Holiday Extras Gold & Platinum Non-Cruise and Gold & Medical Cruise policies will provide cover for certain scenarios relating to COVID-19.

What does this mean?

Prior to the ​(3rd August 2020)​,there was no cover in respect of cancellation or curtailment claims as a result of COVID-19.

Holiday Extras are now able to offer cover for customers if they contract COVID-19 and therefore have to cancel their trip.

What other improvements have been made?

Holiday Extras will also provide cover for cancellation and curtailment if the FCO advises against all orall but essential travel to your destination due to fire, flood, earthquake, storm, riot or civilunrest. Denial of boarding has been included with their platinum policy, this will cover you were you to be denied boarding on the return journey of your trip due to having or being suspected of having an infectious disease (including Covid-19).

There is no cover if the FCO advice relates to an infectious disease or pandemic.

What are you covered for in respect of COVID-19?

  • £10,000,000 if customers require emergency medical treatment abroad
  • Repatriation if required
  • Cover for additional travel and accommodation costs if the customer is discharged from hospital but medically unable to return home immediately
  • Costs for one other person to stay with the customer, or to travel to the customer from the UK and accompany them home
  • Travel costs to or from a hospital relating to your admission, discharge or attendance for outpatient treatment
  • Travel costs to and from appointment, or for the collection of medication prescribed for you by the hospital and the cost of additional food and drink
  • Platinum only: cover for additional accommodation ​and/or return transportation​ if you are denied boarding your return flight due to having or being suspected of having COVID-19.

Holiday Extras Q&A’s Relating to COVID-19

Am I covered if I contract COVID whilst abroad?

Yes you will be covered for emergency medical treatment abroad as long as you have not travelled against the advice of the FCO.

I have been medically advised to self isolate, but my holiday has not been cancelled, am I able to claim on my insurance and if so, what supporting documents do I need?

There will be no cover for this. We would advise you to contact your travel agent or tour operator in this instance.

I am in the ‘vulnerable’ category eg. pregnant, but my holiday has not been cancelled, am I able to claim on my insurance and if so, what supporting documents do I need?

There will be no cover for this. We would advise you to contact your travel agent or tour operator in this instance.

Can I arrange insurance for a trip that I am due to take within the next 30 days?

From 1st July 2020, we will be able to offer quotes for trips starting after 15th July 2020.

Can I arrange insurance for my cruise if I am age 70 or over?

From the 01/07/20 we can offer quotes for trips starting after 15/07/20 as long as you are not travelling against the FCO’s advice.

Can I arrange insurance for my cruise if I have pre-existing medical conditions?

From the 01/07/20 we can offer quotes for trips starting after 15/07/20 as long as you are not travelling against the FCO’s advice.

My cruise/holiday has been amended to a new date, can I amend my insurance?

If you are offered an alternative destination and or dates from your travel provider, we are pleased to advise that we will shift your insurance policy to fit the new trip. We do not charge administration fees, however, there may be an additional premium charged.

What cover is available under my policy in relation to Coronavirus or FCO change in advice?

For policies issued after 17th March 2020, there is no cover under this policy for:
Cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office(FCO) advises you not to travel, for example where the FCO advise against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome(SARS-COV-2) or any mutation of Coronavirus, COVID-19 or SARs-COV-2. Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome(SARS- COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. Except for the Emergency Medical Expenses section. This will only apply if you did not travel against the published advice of the FCO, any local government, local authority or WHO. For policies purchased after 3rd August 2020, you are covered if you need to cancel your trip due to you or anyone insured on your policy contracts and receives a positive test for COVID-19 up to 14 days prior to travelling. ​This applies to certain levels of cover only.

Am I insured if I travel against the advice of the FCO?

Unfortunately none of our policies will provide cover if you decide to travel against the advice of the FCO (the Foreign & Commonwealth Office). It is your responsibility to monitor the ​FCO​ advice for the country, region or area you intend travelling to in order to understand if cover may become invalid through a change in FCO advice.

What is classed as ‘essential travel’ according to the FCO?

The FCO does not have a definition of what they class as ‘essential travel’. The FCO website states:’Whether travel is essential or not is your own decision. You may have urgent family or business commitments to attend to. Circumstances differ from person to person. Only you can make an informed decision based on the risks’. Holiday Extras will only cover a destination classified as ‘all but essential travel’ if customers have contacted us with their reasons for travel and cover has been agreed by our Underwriters (tifgroup), where possible prior to travelling.

If I travel, will I be covered for coronavirus under medical costs in my travel insurance policy?

If you catch coronavirus while on holiday and require medical treatment, then yes, cover will be in place for emergency and necessary treatment. Customers should be aware that our policies are travel insurance policies and not private medical insurance, meaning that there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.

Coronavirus and repatriation

Our policies will provide cover for repatriation (bringing you home) that is medically necessary. Our Assistance Team will liaise with your treating doctor(s) about your treatment plan and if required obtain a ‘fit to fly’ certificate. We also liaise with you and advise on, and put in place, suitable repatriation plans to get you home as soon as it is medically safe to do so in order to achieve your optimal recovery.

Our team are unable to make arrangements to repatriate you where it is against local advice, where travel is restricted or where you would pose a risk to other passengers. Each and every ‘assistance case’ will be dealt with on its own merits.

Coronavirus travel insurance: am I covered for cancellation?

This type of event is usually not covered across the travel insurance industry for cancellation. This is because most policies have specific reasons for cancellation and the”fear of an epidemic, pandemic, infection or allergic reaction” is not one of those reasons. We would advise travellers who have booked package holidays to a destination affected by the viral outbreak, and looking to cancel their trip or amend their travel plans, to contact their travel agent or tour operator in the first instance. If you have booked component parts of your holiday independently, we suggest you contact each of these companies with whom you’ve made arrangements with to question your cancellation and refund rights.

If you purchased your insurance prior to the 3​rd​ March and you are not able to amend your trip and have a medical justification and supporting documentation for having to cancel, we would be happy to discuss your situation on a case-by-case basis, as long as any relevant existing medical conditions have been declared and cover accepted by us.

Our policies do not cover any costs in respect of cancellation or curtailment of a trip due to the Travel Advice Unit of the Foreign and Commonwealth Office advising against all travel, or all but essential travel, due to a pandemic, epidemic or infectious disease, to the country or area you were planning on travelling to. In these circumstances you should contact your airline or tour operator to discuss your cancellation and refund rights or to make alternate arrangements.

Our policies also do not cover costs in respect of cancellation or curtailment due to Fear of infection or Pandemic in an area where you are still able to travel to.

For policies purchased after 3rd August 2020, you are covered if you need to cancel your trip if you or anyone insured on your policy contracts and receives a positive test for COVID-19 up to 14 days prior to travelling. ​This applies to certain levels of cover only.

If I am quarantined due to the coronavirus, what cover is in place?

If you are admitted to hospital your policy will usually provide assistance with returning home when you have been discharged. Please contact our Assistance Team if you are admitted to hospital.

If you are confined to your trip accommodation, there is no allowance for living expenses or additional accommodation costs, if quarantined overseas. You would need to contact your travel provider.

What happens if I arrive at my holiday destination and they refuse entry due to the virus?

If you travel to an area which the FCO advises against travel to, there would be no cover under our travel insurance policies as this would be considered as a known event (that is something that has happened before you have purchased your travel insurance or before booking your trip). If you travel to an area and the FCO advice changes after leaving home, you should contact your travel agent or tour operator for information on availability of flights or refunds in the first instance.If you are refused entry at passport/border control, you should contact your airline or transport provider to arrange changing your return ticket to allow you to come home early.

Will I be covered if I want to cut my trip short due to the coronavirus?

This type of event is usually not covered across the travel insurance industry for cutting short a trip and therefore not covered under our insurance policies. This is because most policies have specific reasons for cutting short your trip and the “fear of an epidemic,pandemic, infection or allergic reaction” is not one of those reasons.

We would advise travellers who have booked package holidays to a destination affected by the viral outbreak and looking to cut your trip short, to contact their travel agent or tour operator for information on availability of flights in the first instance. If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering return tickets where possible, or booking onto an alternative commercial flight or mode of transport.

Claims for independent traveller’s additional expenses in returning home earlier than planned, in the event of an emergency medical situation and the steps described in the policy are followed, will be assessed on a case-by-case basis. Where your claim is for any other reason there is no cover under our policies.

Am I covered for travel disruption caused by the coronavirus?

There is no cover in respect to travel disruption under our policies. We would ask that you check your specific policy wording for more information on this.

If I go out on an excursion for the day and then am not allowed back to my travel accommodation (or cruise ship) due to quarantine, what cover do I have?

You should follow any instructions issued by the local authorities as it is more than likely that you will have to enter some form of quarantine. Travellers should contact their travel agent or tour operator for assistance in the first instance.

If confined to your trip accommodation, or prohibited from re-entering your accommodation,there is no allowance for living expenses.

Can I cancel my current policy and take a new policy with an alternative provider, which has cover for change in FCO advice?

Yes, you can cancel your policy with us, subject to our terms and conditions, and then look to find a policy elsewhere with cover for changes to FCO advice. Depending on when you purchased your policy with us you may only receive a partial refund for your cancellation.

If I have a stop-over in an area which the FCO advises against travel to, am I still covered?

We would suggest that if you have not started that part of your journey you contact your airline to change your travel plans to move on to the next part of your itinerary. If you arrive at your stop-over airport and entry is denied due to the virus you should contact your airline to change your travel plans to move on to the next part of your itinerary.

Can my existing policy be changed to suit a ‘new/different’ holiday or trip?

If you are offered an alternative destination and or dates from your travel provider, we are pleased to advise that we will shift your insurance policy to fit the new trip. We do not charge administration fees, however, there may be an additional premium charged.

Choose the Best Travel Insurance Policy for you

Single Trip Travel Insurance

The lowest cost option if you have only planned one trip away this year. These policies can also cover the cancellation cost of a special day trip – Cover the cancellation cost of Belmond Northern Belle or British Pullman day trip from as little as £8.50 per person.

Annual Travel Insurance

If you take more than 2 trips a year then it may be more cost effective to invest in an annual travel policy. Save time and money by purchasing your policy on an annual basis. Take an unlimited amount of trips, each up to a duration of 23 days, across 12 months.

Travel Insurance – High Value Holiday Cover

Make sure your policy covers the full cancellation cost of your holiday. The standard Gold travel insurance policy protects holidays up to a value of £5,000 per person insured which can be extended up to £10,000 per person to cover high value holidays.

Travel Insurance for Pre-Existing Medical Conditions

Book online or call our Latitude team on 0800 042 0309 and quote “P6683” to find the best insurance policy for your condition. It can be difficult to find a good value provider of annual travel insurance whilst suffering with a medical condition. With a potentially higher need for medical assistance whilst abroad, let Latitude Insurance arrange a tailored quote, providing an annual cover policy that is individual to your holiday and your condition. As long as you are aged 85 or under and have disclosed all pre-existing conditions, the Latitude team will be more than happy to provide fully comprehensive cover.

Travel Insurance – Cruise Cover

Cruise-specific travel insurance that includes cover for cabin confinement, missed port, unused excursions and emergency airlift to hospital. See Full Terms and Conditions

Travel Insurance – Winter Sports

Top up your policy with winter sports cover. Protecting all of your hired ski equipment and providing avalanche cover. A small additional payment will keep you protected all through the year

Quality, Affordable Travel Insurance Policies

Why do I need Travel Insurance I can count on?

Travel Insurance You can count OnMedical ExpensesCost of Holiday/Trip CancellationPersonal Liability InsuranceLost Luggage & Personal Posessions CoverCover for Airport/Flight DelayEuropean Health Insurance Card

Travel Insurance You can count on

We hope that your next holiday trip goes according to plan, but, when it doesn’t, you need a travel insurance policy that you can reply on. A team of 150 UK based travel insurance experts are on hand 24 hours a day, 7 days a week to provide the expert knowledge and assistance you and your family need should the unexpected occur.

For expert assistance call for free now on 0800 093 1900 and quote our reference of “Q8318” to benefit from our preferential terms.

Medical Expenses

As a member of the EU, UK citizens are entitled to emergency medical treatment should they need it whilst travelling in any EU member state. In order to access this benefit, you must have a European Health Insurance Card (EHIC) – see below for more information. If you travel ouside of the EU however, you have no such right to treatment and, indeed, even within the EU, the EHIC may not cover all aspects of the treatment you need. The Foreign Office explicitly advises you not to travel without insurance. For example it can cost over £50,000 for an air ambulance to return you safely to the UK from the USA.

Cost of Holiday/Trip Cancellation

Taking out one of our Travel Insurance policies at the time you book your trip will ensure that you won’t lose out financially should an unexpected circumstance prevent you from going on holiday. This includes cover for redundancy, the death or serious injury of a relative or business partner, you or a travel partner being called for jury service or as a witness in court, a serious incidentto your home or place of work or you work for a Govenment department and your employer withdraws your previously agreed leave.
See Full Terms and Conditions

Personal Liability Insurance

Personal liability cover is intended for those unexpected incidents where you might be held financially responsible for damages (including legal costs) you caused to another person or their property. All policies cover up to £2 million in public liability.

Lost Luggage & Personal Posessions Cover

Unfortunately lost luggage is a real issue with over 24 million bags being reportedly mishandled in 2014 alone. Cover up to £2,000 in the event of a loss with the most comprehensive policy in the range or up to £500 in expenses should your luggage be delayed. See Full Terms and Conditions

Cover for Airport/Flight Delay

In the event of a travel delay, you can rest assured with the peace of mind that the policy will provide access to expert assistance to enable you to complete your trip. Any additional costs you incur up to a maximum of £500 will be covered.

European Health Insurance Card

The European Health Insurance Card (EHIC) – details and applications at nhs.uk/ehic – confirms your right, as a citizen of a European Economic Area country (see nhs.uk/ehic website for details), to emergency medical treatment under the health system of another member country. That treatment may not be entirely free, whilst emergency treatment in hospital is normally free, ambulances are not. Also, in some countries you may be taken automatically to a private clinic for treatment. This would not be covered by the EHIC, nor would medical repatriation. Note that an EHIC card must be renewed every five years.