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General queries
Travel insurance provides financial protection and assistance for unexpected events that may affect your trip. This can include cover for trip cancellations, medical emergencies abroad, lost or stolen belongings, travel delays, and much more. It helps to ensure peace of mind so you can travel with confidence.
It's up to you whether you decide to travel with or without travel insurance. If you choose to go without, be aware that you will need to take care of all potential expenses yourself. This could include medical expenses, which can add up to thousands of pounds.
You may already have travel insurance included with your bank account, tour operator, or flight provider. We would always suggest that you double-check your cover (especially medical) when it comes to these policies, to ensure you are not already covered for the same events and costs as Morrisons Travel Insurance.
Some countries also have reciprocal health agreements with the UK, such as the GHIC in Europe or Medicare in Australia. Note that there might still be additional fees or charges alongside these. For more information on which countries have a Reciprocal Health Agreement see UK reciprocal healthcare agreements with non-EU countries - GOV.UK (www.gov.uk)
This will depend on what you want to be covered for. You may wish to consider how much your holiday has cost you and whether you have any pre-existing medical conditions that you need to declare.
We offer a variety of products to help you pick the right one according to your holiday plans and needs.
If you are only planning to travel once in a year, then a single trip policy could be more appropriate for you. However, if you are planning to go on holiday more than once in a year then an annual multi-trip policy could be more cost effective and save you having to take out a new policy each time you travel.
You should ensure that each of the holidays you are planning will be covered by the policy you have selected.
Provided your trip has not already started, a Morrisons Travel Insurance policy will provide you with cover as soon as your purchase has been confirmed. Please note, there is no cover for anything you are aware of at the time of purchase.
On an annual multi-trip policy, you do not need to tell us each time you travel, however on a single trip policy you do need to advise us of all countries you are travelling to, as well as the duration of your planned trip, and for annual multi-trip policies you need to ensure that you have selected the region to cover all your destinations.
Yes, each individual on the policy can travel independently of the other travellers. However, children under 18 must be accompanied by an adult who is covered by the policy. We are unable to offer cover for unaccompanied children to travel.
We are unable to offer cover for individuals who have already left the UK. You need to purchase your travel insurance while you are still in the UK and before your trip has started. If you buy a policy while you're abroad, the policy will be invalid and would not provide cover under any circumstances.
The policy excess is the amount you pay when you make a claim which is set out in the table of benefits. Where a claim is made for the same incident only one excess will apply per trip, per insured person (max 2).
If you use a Reciprocal Health Arrangement, any other arrangement with another country or private medical insurance to reduce your medical expenses, you won't have to pay an excess.
You should always check the Foreign, Commonwealth & Development Office (FDCO) travel advice's entry requirements of your intended destination before purchasing a policy. If the FCDO travel advice changes due to a pandemic, you would not be covered to cancel your trip. Instead, please speak with your travel agent or tour operator to seek rearrangement or refund. If the FCDO travel advice changes due to a reason other than a pandemic, you may have cover to cancel your trip if your costs are not recoverable elsewhere.
Please note that no cover is provided if you travel to a country or area where the FCDO has advised against all (but essential) travel.
For the most part, if your destination doesn't require a VISA to enter, then travel insurance is not a legal requirement. However, there are some parts of the world where travel insurance is legally required for you to enter the country, whether you are from a VISA-free country or not.
Travel insurance can provide financial cover for many eventualities and situations that you might encounter when abroad. This can include medical expenses (paying for medical treatment whilst you are abroad) and medical repatriation (returning you to your home country) which can be very expensive in different countries.
Cover queries
Yes, it does. For our single trip policies you can be covered if you are up to and including 85 years old no matter where you are travelling. For our annual multi-trip policies the age limit is up to and including the age of 75 years.
Children under the age of 18 must be accompanied by an adult over the age of 18 named on the insurance policy for the duration of the trip.
If you purchase the policy directly from Morrisons:
If you purchase the policy through a price comparison website such as MoneySuperMarket or Compare the Market:
No, only residents in the UK, excluding Channel Islands and the Isle of Man, who are registered with a UK GP can purchase travel insurance from Morrisons. You must purchase travel insurance before leaving the UK, excluding Channel Islands and the Isle of Man. If you purchase a policy after your trip has commenced there will be no cover, and the policy may be void.
The benefits, limits and excesses within your policy are per person, per incident, limited to two excess amounts if more than one insured person is claiming, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually. Full details of benefit limits are available during the quote process and can also be found in the relevant policy wording, depending on where the policy was purchased.
Yes, our single trip and annual multi-trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed on your policy schedule. For annual multi-trip policy you must have at least 2 nights of pre-booked accommodation or pre-booked transport at least 50 miles from your home for your UK trip to be covered.
Yes, single trip policies do cover you to travel to multiple destinations. Please add all the countries you are travelling to when taking out a quote. The country or countries you select when taking out your policy will be noted on your policy schedule.
You can purchase a single trip policy up to 12 months in advance and an annual multi-trip policy up to 30 days in advance. For single trip policies, you're covered for if you need to cancel your trip from the moment you purchase your policy. For annual multi-trip policies, you're only covered for cancellation when your policy starts, so you may want to think about purchasing your policy as soon as possible after you book your trip to cover you if you need to cancel a trip.
No, policyholders must be at least 18 years of age and children aged 17 or under are only covered when travelling with an adult covered under the same policy.
Morrisons Travel Insurance is underwritten by Inter Partner Assistance S.A. UK branch, which is part of the AXA Group, for core cover.
Gadget Cover (including Enhanced Gadget Cover) is administered by Taurus Insurance Services Limited and underwritten by AmTrust Specialty Ltd.
Further details can be found within the Essential Information and Demands & Needs Document and the policy wording, depending on where the policy was purchased.
With an annual multi-trip policy, you can travel as often as you like during the 12-month period of your policy. Just make sure that each trip does not exceed the maximum duration allowed by your chosen level of cover.
We are unable to offer cover under a couple policy for individuals who live at separate addresses. A couple policy is designed to cover two people in a relationship living at the same address.
To select 'Family', the party must consist of up to 2 adults and up to 6 children under the age of 18, who all live at the same address. Children may include stepchildren, foster children and adopted children.
To select 'Group', the party can include up to 10 travellers, who can be a mix of adults and children. No more than 6 children under the age of 18 per policy. Travellers do not need to be related to one another, but at least one adult must be included.
We will write to you at least 21 days before your annual multi-trip policy expires to remind you that your policy is coming up for renewal. Where you have opted in to auto renewal, and if you still meet our eligibility criteria, we may renew your policy automatically to ensure that you have continuous cover. You can opt-out of automatic renewal at any time during the term of the policy by emailing us, call us or through your account in the customer portal.
If you choose to opt out of automatic renewal, you can still renew your policy either through your account in the customer portal or by calling us to arrange payment.
If you have any questions about your renewal, please contact us to speak to a member of our team.
As with all travel insurance policies, exclusions will apply. A few important Morrisons Travel Insurance exclusions are listed below. Please see the relevant policy wording, depending on where the policy was purchased, for all exclusions that apply.
Your baggage must be delayed for more than 12 hours after your arrival, at your final outbound destination. You can claim to replace essential items such as toiletries and clothing, up to the value of your policy limit. Full details can be found in the policy wording.
If your property is lost permanently, any payment made under delayed baggage will be deducted from any eventual claim made for loss, damage or theft.
Your Health
A pre-existing medical condition is any injury, illness, or medical problem you had before buying your travel insurance. This can include anything from past diseases or injuries to mental health issues.
If you purchase the policy directly from Morrisons, you need to declare any of the following if in the last 5 years, you or any person to be covered suffered from or had any medical advice, treatment for (including surgery, tests or investigations) or prescribed drugs or medication for any of the following:
And/or
Any other medical condition for which in the last 12 months:
If you purchase the policy through a price comparison website such as MoneySuperMarket or Compare the Market, please check the relevant website for information on what you need to declare when taking out a travel insurance policy.
If you contact us during the policy term to inform us of a change in health of anyone on the policy, we will not update your medical declaration but at the point of renewal you need to ensure that your medical declarations are up to date.
If your health changes before the start of your trip, you should check with your medical practitioner that you are fit to travel.
You may be able to claim under 'Section 1- Cancelling or cutting or cutting short your trip' if your medical practitioner confirms you are not fit to travel.
The UK GHIC card, which replaced the EHIC card after Brexit, lets you get necessary healthcare provided by the state in the European Union (EU) and Switzerland at a reduced cost.
However, these cards does not cover you for repatriation back to the UK, so it is a good idea to have travel insurance as well. Travel insurance can also help with other things not covered by the GHIC (e.g. repatriation, cancellation, lost baggage etc).
Visit Applying for healthcare cover abroad (GHIC and EHIC) to find out exactly what you are covered for and how to apply.
When you are pregnant, you are covered for bodily injury and illness whilst travelling. However, please check with your transport provider before travelling, as they may have specific rules for pregnant travellers.
It's important to know that this insurance does not cover medical costs for a normal pregnancy or childbirth. This policy is meant to help with unexpected situations, like accidents or sudden illnesses, and having a baby is not considered unexpected. Complications which may arise during pregnancy are covered by Morrisons Travel Insurance. Please see the relevant policy wording, depending on where the policy was purchased, for full details.
Also, any costs related to your pregnancy or childbirth are not covered if the baby's expected birth date is more than 8 weeks (or 16 weeks for multiple births) after your trip ends.
This insurance isn't the same as private medical insurance. It only covers emergency medical / surgical / dental treatments that you need right away, and which can't wait until you get back home. We decide if we will pay for a treatment based on whether it is an emergency and can't be delayed until you return home.
Failing to inform your insurer of any pre-existing medical conditions means that you would not be covered in the event of a claim related to said medical condition and in some cases, your policy may be considered invalid. In the event that a claim arises, you would be expected to cover the costs of any associated expenses.
To avoid this, you should make sure that all of your medical conditions are disclosed before purchasing your policy. This applies to all travellers with a pre-existing medical condition.
If you have forgotten to tell us about any medical conditions prior to travel, you must contact us as soon as possible on 0333 049 4018.
Optional cover - What is covered?
You are covered for a cruise holiday as standard for things such as cancellation and emergency medical expenses. You can enhance your cover by adding Cruise Cover when taking out a quote to include more specific things that might happen on a cruise, such as missed port cover, cabin confinement and more.
Please refer to the relevant policy wording, depending on where the policy was purchased, for terms and conditions on each section.
If you purchase the policy directly from Morrisons, you are covered for a golf holiday as standard for things such as cancellation and emergency medical expenses. You can enhance your cover by adding Golf Cover when taking out a quote to cover for the loss, theft or damage of your own golf equipment. Please refer to the relevant policy wording, depending on where the policy was purchased, for terms and conditions on each section. There is also cover to help with the cost of hiring golf equipment, as well as for any loss for pre-paid green fees. Single article limits apply.
If you purchase the policy through a price comparison website such as MoneySuperMarket or Compare the Market, golf cover is not available as an option.
Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sport activities, the delay, loss, theft, or damage to your ski equipment, cover for ski pack expenses, piste closure and avalanche closure.
You won't be covered under this policy whilst taking part in Winter Sports unless you select this cover, and the additional premium is paid. For an annual multi-trip policy, Winter Sports activity is limited to 17 days. For a single trip policy, Winter Sports activity is limited to 31 days.
For more information, please see the relevant policy wording, depending on where the policy was purchased.
Yes, the maximum age limit for cover under the Winter Sports option is up to and including 64.
Please note: Winter Sports cover is an optional add-on and is not included as standard. For an annual multi-trip policy, Winter Sports cover is limited to 17 days. For a single trip policy, Winter Sports cover is limited to 31 days.
You can find a full list of activities covered within the relevant policy wording, depending on where the policy was purchased.
If you purchase the policy directly from Morrisons:
If you purchase the policy through a price comparison website such as MoneySuperMarket or Compare the Market:
For more details on what's included in your standard Gadget Cover and how much more the Enhanced Gadget Cover offers, please check the relevant policy wording, depending on where the policy was purchased.ntent
With Morrisons Travel Insurance, your gadgets are protected against theft, loss, accidental damage, and intentional damage while you are travelling.
Premiums and billings
When we figure out how much you need to pay for your travel insurance, we look at several things that might affect the cost. Here's what we consider:
Insurance is basically a way to cover the risks associated with these factors by paying a premium. If these factors increase the risk, they can also increase the premium.
You can pay for your travel insurance in full using a credit or debit card. We accept the following credit and debit cards:
Payments by credit or debit card are instant but may take time to show on your statement.
Documents
Once you buy your policy, we'll send you an email. This email will include the policy wording, the Insurance Product Information Document (IPID), and the Essential and Demands & Needs Document (EID) documents specific to your policy, as well as a link to the online customer portal where you can see the policy schedule and medical declaration (if medical conditions have been declared).
Once you're logged in, you can view all your documents, make changes, and update your personal information. Login or register here.
If you need a copy of your documents, you can email us at travelservice@insurance.morrisons.com or call us on 0333 049 4018.
If you'd like your documents posted, please get in touch so that we can arrange this for you.
If you need to provide proof of travel insurance when travelling, you can access your policy schedule online 24/7 to show them in a digital format. If needed, this can be downloaded and printed off at home.
You can access this and all your other important insurance documents using the online portal.
Claims, cancellation and changes
If you need to amend any of your personal details, add people to the policy, increase the cover or include additional options such as Winter Sports Cover, you will need to contact us to get an updated policy.
You can amend or update your policy by calling Customer Services Team on 0333 049 4018.
You can cancel the policy at any time by calling us on 0333 049 4018, emailing us at travelservice@insurance.morrisons.com, or writing to us.
If you cancel within 14 days of buying the policy or receiving the policy documents, whichever is the latest date, you are entitled to a full refund providing you have not travelled, made a claim, or intend to make a claim.
If you cancel after 14 days, depending on the policy type, we will:
All premium refunds are subject to you not having claimed or intending to make a claim.
The relevant policy wording, depending on where the policy was purchased, provides you with all of the details you need in order to make a claim. If you have a medical emergency while abroad, contact the Medical Assistance Service on the telephone number below:
Medical Assistance Service 24 hours, 7 days a week
Outside UK: +44 333 207 0533
Within UK: 0333 207 0533
You can also make a claim using the online portal or accessing the online claim form hub.morrisons.uk.axa.travel.
If your airline has cancelled your flight, you may be entitled to certain refunds and compensation from them.
If you do not obtain your visa on time, you are free to cancel this policy at any time. However, please notice that we won't cover you for any claims related in failing to obtain your visa in time for your trip.
Starting from 12th October 2025, there will be a new system called Entry / Exit system (EES), which is a new digital border system for travellers visiting countries in the Schengen Area from the UK. This system is digital and it changes how non-EU residents enter these countries.
Here's what you need to know:
For further details and to see a list of the 29 Schengen countries, please click on the link here.
Here's what you need to know about its impact on your travel insurance:
Possible delays: The EES might cause delays at ports or airports. This could affect your plans to catch other forms of transport to continue your journey. For example, at places like Dover, the Eurotunnel, and St Pancras, you might need to wait longer because everyone needs to register with the EES before leaving the UK.
Plan Extra Time: If you are travelling through these points, you should allow more time for these procedures. Check with your travel operator to find out whether EES might affect your journey.
Insurance coverage: our travel insurance might not cover you if you haven't allowed enough time to go through these new procedures and miss your transport as a result. Also, if you choose not to provide your details for the EES registration, your insurance won't cover you.
If you purchase the policy directly from Morrisons:
If you purchase the policy through a price comparison website such as MoneySuperMarket or Compare the Market:
If you can't return home on time due to reasons covered by your policy, your insurance may automatically extend. This will only apply if:
To make a claim for a gadget, you will need to contact Taurus Insurance Services Limited. Their contact details are as follows:
Email: morrisons.tiga@taurus.gi.
Phone: 0330 020 0029
Doctor Please!
"Doctor Please!" is an easy-to-use web portal that gives travellers access to instant medical support. More specifically, it allows you to:
Top-quality professional medical support is just a phone (or video) call away! And it's available with all Morrisons Travel Insurance policies — no matter which one you choose.
All Morrisons Travel Insurance policies come with 'Doctor Please!'. This is an app that can be downloaded from App Store or Google Play and gives you 24/7 access to expert medical help wherever you are through a remote consultation.
Nothing. 'Doctor Please!' is included in all Morrisons travel policies, no matter the type or level of Morrisons Travel Insurance you've purchased. It applies whether you bought your insurance on the Morrisons website, via our contact centre, or even through a price comparison website.
When you purchase a Morrisons Travel Insurance policy you will be provided with a welcome email which will include a link to 'Doctor Please!' where you'll find more information and your access code to register. To use the service:
As an extra reminder, we'll also send you a follow up email before you travel (for single-trip policies) or after your start date of your policy (for annual multi-trip policies). This will include links to launch the 'Doctor Please!' service.
Once you are logged in and requested a consultation by providing your details (policy number, etc.) and describing your symptoms, a doctor is then assigned, and an appointment is scheduled.
The consultation itself is done via phone or video call. Your English speaking doctor then provides medical advice, diagnoses, possible treatments*, and any other info and support you might need. Your doctor may even provide necessary prescriptions and/or recommend further medical actions.
*Before your teleconsultation, you'll also be able to download test results, medical reports, or any other records that may prove useful during your remote appointment with the doctor.
The service is ideal for non-emergency health issues while travelling, such as:
Your consulting doctor will diagnose symptoms, provide advice, and may issue a prescription if necessary.
Yes, prescriptions may be issued if deemed necessary by the doctor. They will be available as a PDF in your 'Doctor Please!' account or sent directly to a local pharmacy for collection. The cost may be covered under your policy's medical expenses benefit on a reimbursement basis, with terms & conditions and excess limits applying.
If you're having difficulty registering your policy, please check:
If you're still having trouble, please go to the "Contact us" section in the 'Doctor Please!' app. Here you can get help from the customer care team.
Making yourself heard
We work hard to treat our customers fairly and make sure our policies are easy to understand. But if we or our insurers make a mistake, we want to hear about it. If you have a complaint, please contact:
If your complaint is about the sale or administration of your policy
Post: Morrisons Travel Insurance Complaints Team, Hood Travel Limited, 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.
Email: travelcomplaints@insurance.morrisons.com
Phone: 0333 049 4018
If your complaint is about a claim on your policy (except Gadget cover section)
Post: Complaints Team, AXA Partners, The Quadrangle, 106-118 Station Road, Redhill RH1 1PR.
Email: claimcomplaints@axa-assistance.co.uk
Phone: 0333 207 0515
If your complaint is about a claim under Gadget cover section)
Post: Customer Relations Officer, Taurus Insurance Service Limited, Suite 2209-2217, Eurotowers, Europort Road, Gibraltar.
Email: gadget.complaints@taurus.gi
Phone: 0330 020 0029
If you are not happy with our final response, or if more than eight weeks have passed since we received your original complaint, you can take your complaint to the UK Financial Ombudsman Service for an independent review. This won't stop you from being able to take legal action.
You must approach the Financial Ombudsman Service within six months of getting our final response to your complaint. We will remind you of the time limits in the final response.
Post: The Financial Ombudsman Service Exchange Tower London E14 9SR
Phone: 0300 123 9 123 or 0800 023 4567
Fax: 020 7964 1001
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk