Frequently Asked Questions
Why am I being asked to complete a medical screening?
If you’ve answered ‘Yes’ to certain questions we will ask you to complete a short online medical screening. We need to understand any potential issues up front to ensure any claim progresses swiftly and easily. We expect to accept 95% of all declared medical conditions.
Why will Three Castles’ Travel insurance give me greater peace of mind than my bank or credit card travel cover?
Unless you digest the T&Cs of many ‘packaged’ travel insurance products you’ll not know their limitations and exclusions especially around undeclared medical conditions. And you may miss their requests to update your medical records. At your Archipelago annual review, however, we’ll make sure all your records are up-to-date. Our comprehensive, worldwide cover will give you complete peace of mind. And we handle any claim you might make from start to finish.
My daughter is going to Costa Rica for ten weeks as part of her gap year, is she covered under our travel policy?
Yes, any journey departing from and returning to the UK for up to 90 days is covered under this policy. Longer trips can also be agreed.
Do I need your cover if I have free cover from my bank or credit card provider?
We recommend that you opt out of that as it may have less preferential terms to the cover that we provide, and also so that you only have one number to call for all of your claims.
Do you cover off-piste skiing?
Yes, if you are accompanied by any other individual and it is not against the recommended advice of the local authorities.
Does this also cover business travel?
No, this would typically be covered by your employer.
Is this a worldwide policy?
Yes, automatically for anybody under the age of 75 (subject to a medical screening) and includes winter sports. Trips of up to 90 consecutive days are covered as standard and longer periods by agreement.
Cover for a person over the age of 75 will need prior agreement to them being added to the policy.
Does that include our winter skiing trip?
Off-piste skiing covered as long as you’re accompanied and it’s not against the advice of local authorities.
We expect to accept 95% of all declared medical conditions on our travel cover.
We will make sure all your records are up to date and handle any claim from start to finish, giving you peace of mind.
Worldwide travel cover and winter sports included.
Any trips departing from and returning to the UK for up to 90 days is covered – we can also agree on longer trips.