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Travel Frequently Asked Questions


We are pleased to provide you answers to some of the most commonly asked questions about travel insurance from Blue Bear. If you have any additional enquiries, please contact us at: enquiries@bluebeartravelinsurance.co.uk

View Questions About:

  • Useful Links
  • Purchase
  • Cover
  • Policy
  • Claims

Useful Links:


Purchase

How much does a policy cost?

Prices vary depending on the policy type, duration of the trip, where you are travelling to, the age and number of people travelling and whether any of the various options are required. To find out how much a policy costs:
• Click Get A Quote
• Choose the policy type (Single Trip, Annual, Longstay)
• Enter the dates and destination of the trip you require
• Enter details of the persons requiring cover
• Click on the various options available to tailor your quote to your specific needs

How can I buy a policy?

You can buy a policy online using one of these debit/credit cards: Visa, Mastercard, Maestro, Solo. Follow the process outlined above and if you are happy with the cover and price continue to the payment screen entering your card details.

How do I know that buying my policy online is secure?

Blue Bear Travel Insurance uses a secure payment gateway that makes the debit/credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, we simply get approval or decline from the banking institution. Once authorised, it's instant travel insurance cover - your confirmation email, policy document and other associated documentation is then emailed to you within a matter of minutes for you to print as required. This connection through to the bank uses a 40bit encrypted SSL Web Server Certificate so that any information is encrypted or scrambled, making it impossible to intercept or steal.

Cover

What if I change my mind about buying the policy?

If your cover does not meet your requirements, please notify us within 14 days of receiving your documents for a refund of your premium.
Contact us by email at: enquiries@bluebeartravelinsurance.co.uk or phone 0344 482 3404
If during this 14 day period you have travelled, made a claim or intend to make a claim then we can recover all costs that you have used for those services. (Please note that your cancellation rights are no longer valid after the initial 14 day period.)

Can I buy Blue Bear travel insurance if I am not a resident of the United Kingdom or Channel Islands?

No, you are only covered if you have been resident in the UK or Channel Islands for the last six months.

Does it matter who I book my travel arrangements through?

No, Blue Bear travel insurance may be purchased independently.

Does Blue Bear offer an Annual multi-trip policy?

Yes, apart from policies for Single Trips of up to 365 days and Longstay of up to 548 days, we also offer Annual multi-trip cover. The Annual multi-trip policy provides cover for any number of trips throughout the policy year, with the standard maximum duration of any one individual trip being no longer than 31 days. This can be increased, upon payment of an additional premium, to either 45 days or 60 days per trip. Cover within the UK is also included although certain terms apply (see policy document for full details).

Is there an age limit on the Blue Bear travel insurance policy?

Yes, our Single Trip policy has a maximum age limit of 115 years of age and our Annual multi-trip policies are available to customers up to 79 years of age. If you are purchasing our Longstay policy, then the maximum age is 64 years of age.

When does cover begin and end?

You are covered according to the dates you select on your quotation. These will be confirmed on your policy schedule once the policy is purchased. Trip cancellation insurance for Single Trip and Longstay policies is effective from the point of purchase and for Annual multi-trip policies from the date you select cover to start. The other aspects of cover take effect when you commence your journey. Single Trip and Longstay insurance cover ends on arrival back in your home country or on the date shown in your policy, whichever is the earlier. Annual multi-trip policies terminate on the expiry date of the policy.

What is the maximum trip length?

Single Trip cover can be purchased for trips up to 365 days. Our Annual multi-trip policy covers you for a year but no one trip within this period can exceed 31 days duration. If you are purchasing one of our Longstay policies then the maximum trip duration is extended to 548 days.

Am I covered for any pre-existing medical conditions?

Some existing medical conditions may be covered under the policy. Please contact our confidential medical line on 0203 829 3846 to declare any medical conditions. (Please refer to the 'Disclosure Of Pre-Existing Medical Conditions' on page 4 of the policy wording).

Am I covered for skiing or other adventure activities?

Blue Bear travel insurance covers many adventure activities. Please refer to the Covered Hazardous Activities within the policy document to understand what activities we do and do not cover and if in doubt give us a call on 0344 482 3404.

Am I covered for loss of cash?

Yes, providing that this section is covered under your policy. Also there is a sub-limit within the personal money section for the amount of cover we provide for cash.

Policy

How do I get my insurance documents?

Blue Bear travel insurance is all online, so we do not send any policy documents in the post. When you buy a policy, we send you an email confirming your purchase of cover.

Can I purchase a policy if I have already started my journey?

No, you cannot purchase a Blue Bear policy if you have already left on your travels.

If I have any queries, who do I contact?

Call our customer service line on 0344 482 3404 or email enquiries@bluebeartravelinsurance.co.uk. We are available to answer queries 9am - 7pm Monday to Friday, 9am - 1pm Saturday. Please note that we are unable to give you any advice on whether this product is suitable for your needs.

Claims

Can I still claim even if I don't have receipts for all my personal possessions?

Yes. These claims will still be considered, please be aware though that when we receive a personal possessions claim, you will still be asked to provide proof of ownership for the lost or stolen items. We understand that you might not be able to produce receipts for each and every item, however, we do expect that you should be able to provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails and you should ask yourself, "Do these documents conclusively prove that I owned this item?".

Who do I contact in the event of a medical emergency?

The medical emergency team is available 24 hours a day to assist you. 24-hour emergency medical assistance is standard on all policies. You can reach them by calling the UK on +44 (0) 845 260 3260;

Who do I contact to make a claim under my Single Trip or Annual Multi Trip Policy?


We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at: www.travel-claims.net Alternatively please advise the section of the insurance on which you want to claim and scheme reference to:
Travel Claims Facilities,
1 Tower View, Kings Hill,
West Malling, Kent, ME19 4UY
telephone: 08453 707 133
fax: 0870 620 5001


Who do I contact to make a claim under my Longstay Policy?


We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at: www.travel-claims.net Alternatively please advise the section of the insurance on which you want to claim and scheme reference to:
Travel Claims Facilities,
1 Tower View, Kings Hill,
West Malling, Kent, ME19 4UY
telephone: 08453 707 133
fax: 0870 620 5001


How am I ever going to remember all these different contact numbers?

We have made this easy for you. All the relevant contact numbers are summarised on the second page of your policy document. These can also be found by clicking the 'Contact Us' tab on the website.


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