Changes you need to declare

If any of your personal details change after you have bought your travel insurance you need to declare them or it could invalidate your policy.

You need to update any changes to your:

  • Name

  • Address

  • Telephone number

If you are unsure if the details you have given are correct, contact your insurance company to check.

Changes to your trip dates

If your flights have been rescheduled and your holiday is due to take place a few days later you need to tell your insurer.

Provided the length of your trip remains the same the cost of your cover should not increase. This will only apply to single trip policies because you do not need to specify your travel dates if you have annual cover.

Change in travel destination

You may not be covered if your insurer has a restriction on the country you want to travel to, for example if you have European cover but want to travel to the USA.

If you contact your insurer they should be able to extend your cover, but you will probably have to pay more.

Changes to your health

This can include an overnight stay in a hospital or newly prescribed medication since you bought your policy.

You also need to declare any changes to the health of a travelling companion or close relative.

Here is more on how pre-existing medical conditions can affect your cover.

Change to the length of your trip

If you exceed the trip duration shown in you policy, for example if you plan to go away for 35 days but your policy has a maximum trip length of 31 days.

If you contact your insurer they may be willing to extend the length of your trip. If not you may need to take out a new policy that offers a longer period.

Changes to policy features

You should also be able to add extra cover features like winter or extreme sports after your policy has started, but you will need to pay extra to do so.

Updating your policy

Most insurance companies let you update your details online, by phone or by post.

If your insurer has a local branch you may be able to update your details in person.

If you need to make a change that will affect the cover you need, for example, if you have suffered a health issue, you should contact your insurer immediately by phone as this is the fastest way to amend your policy.

What happens if you do not declare changes?

If you do not declare any relevant changes to you insurer they may:

  • Exclude cover, for example any accepted conditions may no longer be covered

  • Not pay a claim in full

  • Cancel your policy and refuse to pay any claim

Renewing your annual policy

If you have an annual policy, your insurer will contact you around 21 days before your policy ends with details of their renewal process and price.

You can then review the renewal price and make sure the cover is still correct, especially your medical information.

Unless you tell them otherwise they may automatically renew your policy, taking payment using the same details as before.

If you do not want to renew your cover make sure you contact your insurer before the end of your policy.

If you then want to find a better deal, you can compare travel insurance policies here.

Can you cancel your travel insurance?

Yes, if you decide you no longer need the policy, or if the cover does not suit your needs, you will need to phone or write to your insurer and return your paperwork.

You can get a full refund on your policy if you cancel within 14 days of receiving your policy documents.

However, you will be unlikely to get a refund if:

  • You have already travelled or made a claim

  • Your single trip policy has an end date within 31 days of the date you purchased the policy

  • You cancel after the 14 days cooling off period

If you have taken out an annual policy, some insurers will refund a partial amount of your premium if you have already travelled or made a claim.

Here is how to choose between an annual or single trip policy.