Frequently Asked Questions

The following is intended to provide you with general information only. No advice is being given by the intermediary Mondial Assistance (UK) Limited trading as Elvia Travel or the underwriter Elvia Travel Insurance International N.V. (Netherlands).

Click on the links below to skip to a section :

  1. Pre-Existing Medical Conditions
  2. Purchase
  3. Cover
  4. Policy
  5. Claims

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Pre-Existing Medical Conditions

What is a pre-existing medical condition?

  1. You are not covered for directly or indirectly related claims if you or any person upon whose health the journey may depend have during the 12 months before your policy was issued suffered from, been treated for or diagnosed with any of the following:

    1. a heart or circulatory related condition (i.e. hypertension, angina, stroke etc);
    2. a lung or breathing related condition (not including asthma, when it is well controlled and suffered only in isolation);
    3. a cancerous condition;
    4. a psychological condition; or
    5. a terminal condition.

  2. You will not be covered for any claim arising from a medical condition of someone you were going to stay with, a travelling companion, a relative or a business associate if you are aware of the medical condition at the time your policy was issued.

  3. You will not be covered if you travel against the advice of a doctor or where you would have been if you had sought their advice before beginning your journey.

  4. You will not be covered if you know you will need medical treatment during your journey or you are travelling specifically to get medical treatment.

  5. You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.

  6. You will not be covered if you were waiting for medical treatment as an hospital in-patient or were under investigation for a medical condition when your policy was issued.

  7. You will not be covered for claims relating to pregnancy or childbirth, where the pregnancy is more than:

    1. 24 weeks at the end of a journey outside of Europe; or
    2. 28 weeks at the end of a journey within Europe.


Please refer to the Policy Wording for a full and up to date definition


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Purchase

How much does a policy cost?

Prices vary depending on the policy type, duration of the trip, where you are traveling to, the age and number of people traveling and whether the winter sports option is required. To find out how much a policy costs:

  • Click on the 'Get A Quote' tab on the home page
  • Choose the policy type (single trip or annual multi-trip)
  • Enter the dates and destination of the trip you require
  • Enter details of the persons requiring cover

How can I buy a policy?

You can only buy the policy online using one of these credit cards:
Visa, Mastercard, Switch, 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?

Elvia uses a secure payment gateway that makes the credit card transaction directly and securely with the bank. We do not see, record or store these card details in any form, 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. More information on this can be found at www.thawte.com but you can be assured that your transaction is at least as safe as any other normal offline credit card transaction.


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Cover

What if I change my mind about buying the policy?

If your cover does not meet your requirements, please notify us with 14 days of receiving your documents for a refund of your premium.

You can contact us at ELVIA Travel Insurance, Mondial House, 102 George Street, Croydon, CR9 1AJ
telephone 0871 200 2403 textphone 020 8666 9562 email : insurance@mondial-assistance.co.uk.

If during this 14 day period you have travelled, made a cliam 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 Elvia travel insurance if I am not a resident of the United Kingdom?

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

Does it matter who I book my travel arrangements through?

No, ELVIA travel insurance may be purchased independently.

Does ELVIA offer an Annual multi-trip policy?

Yes, apart from policies for single trips of up to 180 days we also offer annual multi-trip cover. The annual multi-trip policy provides cover for any number of trips throughout the policy year, as long as no one trip is booked to last longer than 31 days. Cover within the UK is also included although certain terms apply (see policy document for full details).

Is there an age limit on the ELVIA travel insurance policy?

Yes, both our single trip and annual multi-trip policies are only available to persons aged 65 years and under.

When does cover begin and end?

You are covered according to the dates you select on your quotattion. These will be confirmed on your policy schedule once the policy is purchased.

Trip cancellation insurance for single trip 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 insurance cover ends on arrival in the UK or on the date shown in your policy, whichever is 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 180 days. Our annual multi-trip policy covers you for a year but no one trip within this period can exceed 31 days duration.

If I return home early do I get a refund?

If you buy a 180 day single trip policy and return home after 60 days, the policy is terminated and you don't get a refund and you need to purchase a brand new policy for your next trip. Annual multi-trip policies offer the flexibility of travel however no one trip must exceed 31 days.

Are there any exclusions to the policy?

Yes. Some exclusions and conditions are specific to individual sections and General exclusions and Conditions apply to the policy over all. There is also a Health declaration with health exclusions that apply for cover to be effective. Please read the policy wording carefully to ensure you have the cover you need.

Am I covered for Asthma or other medical conditions?

ELVIA travel insurance does NOT cover pre-existing medical conditions. Please refer to 'Pre-existing health conditions' above for further details. When purchasing your insurance, you will be asked to confirm that you and all persons for whom you are arranging the insurance are able to comply with this declaration.

Am I covered for skiing or other adventure activities?

ELVIA travel insurance covers many adventure activities. Please refer to the definition of 'Hazardous activity' within the policy document to understand what activities we do and do not cover and if in doubt give us a call.

Am I covered for loss of cash?

Yes, although there is a sub-limit within the personal money section for the amount of cover we provide for cash.


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Policy

Where can I find out more about the policy cover?

Click the 'Product Information' tab at the top of the home page and you will be able to view a PDF of the full policy document.

How do I get my insurance documents?

ELVIA 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 in the form of a 'Policy Schedule' and attach :

The selling standards of Mondial Assistance (UK) Limited trading as Elvia in the :
1       'Initial Disclosure Document' and
2       'Demands and Needs Statement'

The product inforamtion from the insurer Elvia Travel Insurance International N.V. (Netherkands) in the :
3       'Policy document' and
4       ''Policy summary'.

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

No, you cannot purchase an ELVIA policy if you have already left on your travels.

If I have any queries, who do I contact?

Call our customer service line on 0871 200 2403 text phone 020 8666 9562 email insurance@mondial-assistance.co.uk.
We are available to answer queries 9am - 5pm Monday to Friday. Please note that we are unable to give you any advice on whether this product is suitable for your needs.


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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 such receipts for each and every item, but you still have to 'tip the balance' and should be able to provide evidence of ownership where you could be reasonably expected to have such evidence. 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?

Our medical emergency team is available 24 hours a day to assist you. You can reach them by calling the UK +44 20 8686 1666 text phone UK +44 20 8666 9562 email international_dept@mondial-assistance.co.uk.

Who do I contact to make a claim?

You can download the claim form appropriate to your circumstances by clicking on the Claims tab on the website. Alternatively you can call 020 8603 9958 (between 10am and 4pm Monday to Friday). Email travel_claims@mondial-assistance.co.uk.

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 first page of your policy document. These can also be found by clicking the 'Contacts' tab on the website.

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