Cover Options

Worldwide Travel Insurance

Cover update

Due to the widespread disruption and high likelihood of trips being cancelled or disrupted, we will temporarily be suspending sales of and upgrades to our Worldwide Travel Cover. If you are already have Worldwide Travel Cover with us, please visit our Coronavirus FAQs page for more information.

Your health plan gives you complete cover while you’re in the UK.

But if you’re planning on making the best of your travel rewards with Mr & Mrs Smith, it’s a good idea to think about our comprehensive travel cover to give you peace of mind while you’re abroad.

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All it takes is a few minutes to get a quote online.

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Our Worldwide Travel Cover includes up to £10 million emergency medical expenses overseas, as well as lost luggage, delayed flights and more. We offer cover for up to 120 days, as long as you’re aged 64 or under on the plan start date or when this option is added to your plan at a future renewal date. This option covers you up to these limits:

Travel benefit	Amount of cover
Overseas medical expenses
Medical cover if taken ill overseas, including accommodation costs and travel expenses for one person to remain behind with the sick or injured member* Repatriation expenses* Transfer of body or ashes back to the UK	Up to £10 million
Cost of burial or cremation outside the UK	Up to £1,000
Other travel expenses
Loss of or damage to personal belongings	Up to £2,000*
Loss of personal money	Up to £1,000*
Delayed departure	Up to £100
Missed departure	Up to £500*
Cancelling the trip or cutting it short	Up to £4,000*
Personal accident	Up to £25,000
Personal liability	Up to £2 million
Loss of passport	Up to £250*
Delayed baggage	Up to £200*
Legal expenses	Up to £25,000
Winter Sports Cover (cover is limited to 21 days in total each plan year)
Loss of or damage to ski or snowboarding equipment	Up to £500* each plan year
Loss of ski pass	Up to £500* each plan year
Piste closure (£30 a day)	Up to £500* each plan year
Loss of use of hired skis and ski pass due to illness or injury	Up to £500* each plan year
Unless we agree otherwise, the benefits are for one person covered on your plan, per trip. * You will need to pay a £50 excess on these benefits.

Important information

All benefits are per insured member, per plan year, unless we state otherwise.

Separate terms, conditions and exclusions apply to our Worldwide Travel Cover.

How to make a claim

First, check that your plan covers the expenses that you’re claiming.
Complete our Worldwide Travel Cover claim form.
Send it along with the original booking invoice, itinerary or tickets to VitalityHealth, St Christopher House, Wellington Road South, Stockport, Cheshire, SK2 6NG.

We recommend you keep copies of all documents you send us. As soon as we receive your completed claim form, we’ll assess your claim and confirm our decision in writing.

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