Terms and Conditions


When buying travel insurance through Backpackertravelinsurance.com you will not receive advice or a recommendation from us for travel insurance. We may ask some questions to narrow down the selection of products that we will provide details on, but you will need to make your own choice as to whether to proceed and purchase the product. Backpackertravelinsurance.com charges an additional fee of up to £4.95 to customers who buy through our call centre. This reflects the higher transactional cost involved. We also charge an administration fee of up to £3.95 to customers buying online and a postage fee of £3.50 to customers who request a hard copy policy and certificate.

We can provide an insurance quotation/policy based on the following terms and conditions:

IMPORTANT INFORMATION REGARDING PRE-EXISTING MEDICAL CONDITIONS

The following conditions apply in relation to pre-existing medical conditions

  1. You are not aware of any reason why this trip should be cancelled or curtailed;

  2. You are not buying this policy after my trip has started;

  3. You are a resident of United Kingdom.

  4. The Insured or anyone on whom the Trip depends must not be:

    1. receiving or waiting for medical treatment at a hospital or nursing home;

    2. waiting for investigation or referral, or the results of any investigation, medical treatment or surgical procedure, for any condition, whether diagnosed or undiagnosed;

    3. choosing not to take prescribed medication, or the correct dose of prescribed medicine;

    4. travelling against the advice of a Qualified Medical Practitioner;

    5. travelling to obtain medical, dental or cosmetic treatment;

    6. travelling with a terminal condition;

    7. aged 50 or over on the date of commencement of the Trip or at the time of booking the trip.

  5. Subject to 1 above, if the Insured has any pre-existing condition, they must get approval in writing from their Qualified Medical Practitioner that they are fit to travel before booking their Trip.

  6. If the insured has a medical claim abroad or needs to curtail their trip then they must always contact the Emergency Assistance Company on +44 207173 7798 as outlined in the policy document otherwise their claim will not be covered.

  7. You have not been:

    1. refused insurance, or had an insurer refuse to renew, or impose special terms on, insurance on the grounds of fraud or attempted fraud;

    2. convicted of, or have a prosecution pending for, any offence involving dishonesty of any kind.

  8. Your trip abroad will begin and end in the United Kingdom and you will return to the United Kingdom within the period of cover you chosen.

  9. You understand that, if your travel plans change, you may only extend this policy if you meet certain conditions and only then if you arrange this extension by contacting Backpackertravelinsurance.com prior to your policy expiring.

  10. We offer a Premium Refund Guarantee on all our policies cancelled within the 14 Day cooling off period, whereby you may return the documentation to us and upon receipt of this, provided the insured has not travelled and/or is not making a claim, we will refund you the Insurance Premium. Please note that the Premium Refund Guarantee does not extend to administration or postage fees incurred in the supply your original policy.

  11. Unless stated otherwise quotations provided by the system for new insurances are valid for 7 days from date of issue.


    12. Usage of Short Message Service

  12. You consent to the use of the mobile telephone number you have provided ("the mobile telephone") for the purpose of allowing Blue Insurances Limited to notify you of your travel insurance policy information relating to your online booking.

  13. You hereby confirm that the mobile telephone number you have provided is your number or that of a passenger named in the booking process and you hereby indemnify Blue Insurances against any claims or liabilities which may arise in the event that the number provided is incorrect or is that of an unrelated third party.

  14. You accept that text messages are distributed via the Short Message Service systems of third party mobile phone network providers and, therefore, Blue Insurances Limited cannot be held responsible for the successful and timely arrival of the text message to the mobile telephone.

  15. Blue Insurances Limited does not guarantee full availability or performance of this service and does not accept any liability for transmission delays.

  16. Blue Insurances Limited will only use the number of the mobile telephone in accordance with its Privacy Policy, the terms of which you accept, and to send important information in relation to your booking.

    Fees

    Blue Insurances Limited charge a £0.99 fee for this service and this fee is non refundable. Blue is not responsible for any additional charges made by mobile phone network providers for the provision of this service.

You have read and understood the above statements and confirm the statements are correct and agree that this insurance will be based on them and the other information you provide.

 
 
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