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Travel Insurance

See the world with Insurance you can trust. Get a quote online in minutes, so that you can save money and time to spend doing the things that really matter.

Partnered with Millstream , a specialist Travel Insurance provider

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Please be aware that under Section 10 (Missed Departure) and Section 9 (Travel Disruption), there is no coverage for trips arranged or insurance taken out less than 48 hours before the intended outward journey.

Our Travel Insurance Products

We offer a wide range of travel insurance policies,  through our partner Millstream , so we’ve got you covered no matter where you are in the world.

Please note we now only provide travel insurance online. Once your quote and payment are complete, you will conveniently receive your paperwork and important information via email and private portal.

Looking for something more specific?

If you want a superior level of coverage we would recommend our Bespoke Annual Policy.

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Wherever you travel, we’ve got you covered

Our comprehensive annual European travel insurance for families starts from as little as £155 and includes great features as standard.

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What you are covered for

• Trip Cancellation/Curtailment: We cover prepaid travel and accommodation costs.
• Emergency Medical Expenses: We cover medical costs during your trip.
• Personal Accident: We pay for illness or injury expenses during your trip
• Travel Disruption: Compensation for delays and cancellations.
• Political Unrest/Natural Catastrophe Evacuation: Safe evacuation during crises.
• Collision Damage Waiver: Covers car rental accident costs.
• Winter Sports: Protects winter sports equipment and arrangements.
• Missed Departure/Connection: Covers missed flights due to various reasons.
• Business Travel: Expenses for staff replacement and more.
• Uninhabitable Accommodation: Alternative accommodation due to disasters.
• Personal Liability: Covers damages to third parties or property.
• Legal Expenses: Handles legal costs and representation.
• SmartDelay Plus: Lounge access or cash for flight delays.
• Delayed Baggage: Reimbursement for delayed baggage.
• Loss of Passport/License Expenses: Compensation for replacements.

Expert Insurance for Your Needs

Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.

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Have a question about our travel insurance policies? We may have the answer already. See answers to our most frequently asked questions below.

Can I pay by Direct Debit?

We do have Direct Debit facilities. To find out if you are able to pay for your policy by Direct Debit please call one of our Brokers on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday.

Who’s looking after your Islands travel insurance?

We’ve teamed up with Millstream Underwriting Limited to bring you this travel insurance, and they’re working with AWP P&C SA to make sure you’re covered.

What do I have to let you know?

To ensure you have the full benefit cover, in case you need it, you must answer the quote questions accurately and to the best of your knowledge. Please remember you aren’t answering on your behalf but also of anyone on your policy.

If there are any changes to your health during your policy, you need to contact the medical screening team at 0330 660 0758. Please note, Millstream may charge you additionally. Suppose you don’t contact us, it can leave you with no right to make a claim and may mean that you travel with insufficient cover.

How can I contact you?

Our contact details are:

Claims and Assistance Helpline  +44 (0)330 660 0758 Travel Customer Services  +44 (0)330 660 0758 Islands Jersey  [email protected] Islands Guernsey  [email protected] Islands Alderney  [email protected] Medical Screening Service  +44 (0)330 660 0758

If my Doctor says I’m fit to travel, do I still need to tell Millstream my medical conditions?

Millstream has a set of questions to understand if you need to declare your medical conditions to us; you can find these questions on the second page of the policy quote process.

You don’t need to declare your conditions if it appears on the list of automatically covered conditions. You can find a complete list of these on the second page of the policy quote process and in the Millstream Policy Wording .

Please note that we can only cover conditions which have a complete diagnosis by a medical practitioner.

What if my flight’s delayed?

With a delay over 90 minutes, you can unwind in a peaceful lounge or receive a £25  if the lounge isn’t available,

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"Great customer service with friendly knowledgeable staff. Competitive prices and excellent cover on Car, Buildings and Travel insurance."

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Do you need Travel Insurance in Jersey?

Planning a holiday can be a little stressful at times, where to stay? How should we get there? And your travel insurance is always a last minute rush or sometimes forgotten altogether.

Travel insurance helps when you get delayed or experience travel disruptions, your accommodation cancels the booking, or you are unfortunate to injure yourself whilst on your holiday.  To help you we’ve created a one stop guide with all you ever wanted to know about travel insurance.

It’s always exciting planning your next trip away, but sometimes the unexpected happens. Just like with every other destination, you’re more likely to get injured in an accident, lose your luggage or spending money.  Hence it’s imperative to purchase a good travel insurance policy, read on to find out what you need to know about Jersey travel insurance.

In this guide…

Are you required to have Travel Insurance for Jersey Channel Islands?

Do you need holiday insurance for jersey island.

• Is it necessary to have Health Insurance for Jersey?

Does UK Travel Insurance Cover Jersey?

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• Jersey NHS Hospital Contact Details

Jersey A&E – Where Is It?

Finding a pharmacy in jersey – we’re here to help, everything you need to know about travel and holiday insurance requirements.

Travel insurance is strongly recommended for Jersey travel.  Many travellers think it’s not worth it, or they won’t need it, and yes being optimistic is good, but sometimes it pays to stay prepared for the worst situations. Without travel insurance, you’re always open to chance. You might be able to replace stolen or misplaced valuables such as smartphones, or passport. The one thing that may be beyond your financial capabilities is the bill for medical treatment. So it’s best to leave nothing to chance and get an adequate travel policy for your trip to Jersey today.

We’d highly recommend organising holiday insurance prior to heading off on holiday to Jersey island.  Let’s face it, you’ll have peace of mind that you’ve got things covered in case of any emergency.  This way you can make sure you enjoy your time away without taking the chance of travelling without any insurance.  If something unpredictable as a car accident or medical treatment should arise you don’t want to look back and think “If only I’d paid that £15 or whatever it would be to get the family covered!”

Is it necessary to have Health Insurance for Jersey 2019?

While exploring the beautiful island of Jersey, and in the unlikely event that something might happen that may require urgent medical attention its important you’ve organised your health insurance. Even if you have a health insurance policy for travelling to other destinations in 2019, please don’t make the mistake of assuming it works for Jersey.  This is because not every insurance plan covers for every situation. So if you’re planning a holiday to Jersey anytime this year, make sure you have a good health insurance plan that is valid for the destination your visiting.

Unfortunately UK travel insurance does not cover your trip to the Island of Jersey.  Visitors to the Island (including British national) have to pay cash for medical treatments and prescription medicines unless of course you’ve taken an adequate travel insurance policy.  But also remember that travel insurance doesn’t just cover injury, its to protect you against hotel cancellations or travel disruptions.

Some people think that they don’t need travel insurance because nothing ever happens to them, and by cutting out travel insurance is a good way to save a few pounds.  And we all want to save money on flights and hotels, but don’t fool yourself into thinking you can not get your travel insurance because you just might regret it!  Regardless of where you’re heading, it’s always a good idea to have travel insurance. Besides health, there are many other things to worry about including car accidents, flight cancellations, misplaced or stolen luggage.  So don’t delay, buy your travel insurance today!

Like any destination, you don’t need travel insurance to go anywhere – however if you haven’t purchased suitable cover prior to your trip then you could be leaving yourself at risk of being left with a big bill.  When travelling to Jersey, you’ll need to pick a policy that covers medical expense, as they are not part of the UK and there is no NHS in Jersey.

You can travel anywhere in the world including Jersey without travel insurance. But it’s a risky thing to do.  It’s not expensive to get yourself cover, and there are lots of places to compare policies to ensure you’ve got the best price and the most comprehensive cover for your trip.  Travel insurance with medical cover is essential when visiting Jersey, as they don’t have the same set up as the rest of the United Kingdom.

The island of Jersey is not a part of the U, so if you’ve visiting Jersey make sure you get an adequate travel insurance policy.  Plus remember travel insurance doesn’t just cover you for medical emergencies, its there to protect you should be involved in a car accident, your hotel cancels your stay, your airline cancels your flights – all of which can be quite expensive if you don’t have a adequate policy to protect you.

The Department of Health have confirmed that those visiting Jersey and the other Channel Islands are not covered by the European Health Insurance Card, otherwise known as EHIC.  This card covers those that live anywhere in the EU members states to either cut priced or free health care when they are travelling to other EU countries.  Therefore it recommends when you travel to Jersey you take out insurance to remain covered.

EHIC entitles UK residents to medical treatment at a reduced cost. Since EHIC is not valid in Jersey, you won’t be able to avoid excess medical bills with the use of this card.  The European Health Insurance Card covers non-private medical assistance such as the cost of maternity care, renal dialysis or managing pre-existing medical conditions but the Department of Health have said this doesn’t apply to Jersey.

Fortunately, you can buy a comprehensive holiday and health insurance online from the comfort of your home. You will find a wide range of products that best suits your needs and budget.

If you enjoy taking lots of trips away each year, then annual-multi trip insurance might just save you some money.  Annual deals tend to work out cheaper if you go away more than 3 times and your over 26 years of age or for those under 26 if you go away more than twice you should see savings.  This type of insurance  covers you for a full year, and in that time you can take multiple holidays and you’ll be covered for each one.  For the best deals on annual travel insurance jersey, visit   Flexicover Travel Insurance  or  Moneysupermarket

Are you searching the internet for affordable travel insurance to Jersey? We’ve done the same and having checked out every comparison website over the last five years, whilst entering our details twenty times we’ve come to the conclusion that   Moneysupermarket  is by far the best any always returns the cheapest price.

If you’re planning a one-off holiday or business trip to Jersey, then you’re better off with single trip travel insurance which will cover you for the duration of your stay. For the best single trip travel insurance to jersey, these leading insurance providers have got you covered –  Flexicover Travel Insurance  and  Moneysupermarket  are by far our favourites.

The UK has reciprocal health agreements with the island of Jersey, which gives visitors access to free or affordable medical treatment.  Keep in mind that the cost does not cover repatriation. However, you will receive an equal amount of treatment as if you were a local in Jersey.  To be eligible, you will have to provide essential documents that show proof of residence. Note that you will have to pay for other health care services such as dental treatment and prescribed medicines.

Despite Jersey being part of British Isles, because it is not part of the their health service is not part of the NHS.

For holidaymakers some medical care is covered by a Reciprocal Health Agreement (RHA) that Jersey has with the UK, some treatment you may require is not, and its important to highlight that any pre-existing conditions are not treatable without payment.

The Emergency Department in Jersey will treat visitors for emergency treatment only. If you have a non-urgent medical issue when your on holiday then its best to contact a local doctor which unfortunately is chargeable.

For treatments your receive at the Jersey hospital in an Emergency is free, but any treatment or care that you require after may not be covered.  Therefore if you don’t have travel insurance, you’ll need to  pay for treatment.  For example if you need repatriation, this can cost in the region of £5,000 which is why we recommend taking out a travel insurance to cover this.

Because Jersey is not in the UK, they are not part of the NHS and have their own healthcare system.  It does provide quality services to people wherever and whenever they need them. The well-financed healthcare system boasts qualified and experienced workforce and features state of the art facilities and amenities to deliver world-class medical treatment should you require them when your holidaying in the island.

Unless of course, you have travel insurance, you will have to pay for most healthcare cost. So it’s wise to get health travel insurance to cover the cost of medical treatments in Jersey. For UK visitors, while some health care is covered by RHA, you will have to foot the bills of some treatment.  Treatment at the Emergency Department of the hospital is usually free of charge. Some of the healthcare services you have to pay for include visits to any local GP dentist or pharmacist, and non-urgent medical issues at the hospital, among others.  For peace of mind, it is advisable to get a comprehensive travel insurance plan from a reputable insurance company.

The General Hospital in Jersey is located on the edge of the Capital of Jersey St Helier.  See below for the address.

Jersey NHS Hospital Contact Details Contact Name: General Hospital Phone Number: 01534 442000 Fax: 01534 444216 Address: The Parade, St Helier, Jersey, JE1 3QS

Jersey is home to only one emergency department. It is located on the Parade in St Helier. The entrance is between the main entrance of the hospital and Gloucester Street. In case of an emergency, call 999 or 112. The emergency department is available for services 24 hours a day, 7 days a week. Depending on the severity of your health condition, you can show up for treatment anytime even without booking an appointment. Upon arrival at the emergency department, a nurse will assess your condition immediately.

There are plenty of pharmacies across the island, so don’t worry if you run out of medication whilst your on holiday.   However, not many of them are open on a Sunday or 24 hours a day.  We’d recommend giving them a call to check they can help with your medical condition.  Here is a list of pharmacy and their address.  For more pharmacies check out  www.lloydspharmacy.com

Lloyds Pharmacy Address: The Parade, 7-8 The Parade, St Helier, Jersey, JE2 3QP, Tel: 01534 722862 Opening Hours: Monday- Friday: 08:30 – 18:00 Saturday: 09:00 – 17:30 Sunday: 10:00 – 14:00

Lloyds Pharmacy Address: Indigo House, 2-8 Oxford Road, St Helier, Jersey, JE2 4LJ, Tel: 01534 721223 Opening Hours: Monday-Friday: 08:45 – 18:15 Saturday: 09:00 – 13:00 Sunday: Closed

Lloyds Pharmacy Address: David Place, 10A+B David Place, St Helier, Jersey, JE2 4TD Tel: 01534 871098 Opening Hours: Monday-Friday: 08:30 – 18:00 Saturday: 09:00 – 17:00 Sunday: Closed

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Travel insurance.

C. I. Travel Group are working in partnership with Cherry Godfrey, bringing you the opportunity to purchase travel insurance for a one-off trip or an annual multi-trip policy. Cherry Godfrey, based in the Channel Islands, are experts in providing worldwide travel insurance to and from the UK and Channel Islands and are approved by the Guernsey Financial Services Commission (GSFC). Cherry Godfrey Insurance Services (Jersey) Ltd is regulated by the Jersey Financial Services Commission (JFSC).

Reciprocal Agreements

Even though there is a reciprocal health agreement in place between Jersey and the UK this does not cover the costs of repatriation, taking out holiday insurance should be a vital part of your holiday plans. From 1st January 2023 there will be a reciprocal health agreement in place with the UK and the Bailiwick of Guernsey.

How to contact Cherry Godfrey

To purchase an insurance policy online please visit Cherry Godfrey to complete the online form. Alternatively, please call 01534 711666 and ask for the 'Travel Insurance Department to get your tailored quote.

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Travel Insurance

Travel Insurance that covers COVID

• Single trip cover
• Annual travel insurance
• Bespoke travel insurance

Our policies also cover the following situations:-

Before you travel - if you catch COVID and need to isolate or are told to isolate due to being told that you are a direct contact by a government agency, then cancellation cover is included.

Whilst you are away - if you either catch COVID and have to isolate or are told to isolate by a government agency, then additional expenses (such as hotel and food costs) and medical expenses are both covered.

Important notice: Please note that our travel insurance policies cannot cover you if a government body changes their COVID travel restrictions which results in you not being allowed to travel/enter the country you are travelling to.

Please submit a call back request for further information

If you are aged 65 or over, or have current medical conditions,  please click here to get an instant quote and cover.

We advise that you select the super duper cover as this will give you the best policy.

Please note that when you enter the websites for these products, you will be dealing with P J Hayman & Company.

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Frequently Asked Questions

Does my policy cover me from the island and back to the island, or just from the UK?

It covers you from your home back to your home.

Is cover immediate?

The sooner you buy a policy, the sooner you are covered for cancellation. If you had an accident for example and couldn’t travel, if you have a policy in force you can claim for cancellation.

Would I be covered for COVID?

Yes. If you contracted COVID before you are due to travel and needed to isolate and therefore cancel the trip, you would be covered. If you contract COVID whilst you are away and needed to stay in your hotel room to isolate, you could claim for additional expenses you had to pay. If you needed medical treatment whilst you were away, you would also be covered.

Am I covered if the government changes the rules?

Unfortunately not as this is un-insurable.

Would my policy cover me if I lost my baggage?

Yes it would, up to the limit you opt for.

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Guernsey & Alderney

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AXA breakdown cover

PLEASE NOTE, although Axa breakdown cover is appearing in our quote options, due to technical reasons, this is unfortunately not currently available. We are working to resolve this as quickly as possible and appreciate your understanding. Please do not select this option but get in touch with a member of our team should you require this cover

Travel Insurance

Comprehensive policies designed for travellers from the channel islands & the isle of man..

• Single trip, annual and long-stay policies
• Cover multiple travellers in one policy
• Cover pre-existing medical conditions
• 150+ sports & activities covered as standard

Popular policies

Home & contents insurance, car insurance, motorbike insurance, what's covered.

Here are a few examples of things that are usually covered:

• Cancellations
• Baggage Loss
• Personal Money
• Medical emergencies and repatriation
• Important documents
• Personal accidents
• Travel delays & disruption
• Hospital visits
• Legal expenses

Always refer to your policy wording for a full list of benefits and restrictions.

New and frequently changing restrictions have made travel arrangements challenging at the best of times. Rossborough has you covered in situations where travel plans have been affected due to pandemic-related incidents. For example, if:

• Your planned travel is disrupted by having to self-isolate
• Boarding is denied due to detected Covid-19 symptoms
• A planned stay with a family member is no longer possible due to that member having to self-isolate

Get a full summary of our Covid-19 coverage by downloading the latest information from our online provider. More coverage details, policy wording and prices can be found by completing a Jersey, Guernsey or Isle of Man online insurance quote.

Pre-existing conditions can be added during the online quoting process.

You may be asked a series of quick questions so our underwriters can determine the level of cover you need.

The fastest way to have your claim resolved is to contact your insurers directly.

The insurers contact details can be found on your policy documentation.

If you are unable to contact your insurers, please contact us:

Jersey:  01534 500500 (Monday to Friday 9 - 5) [email protected]

Guernsey and Alderney:  01481 241555 (Monday to Friday 9 - 5) [email protected]

Isle of Man:   01624 631631 (Monday to Friday 9 - 5) [email protected]

Why Rossborough?

Our customers are at the centre of all that we do, each and every day.

We always go out of our way to deliver a local, personal service.

We’ve been trusted with islanders’ most important possessions for over 80 years.

We are committed to providing policies that best fit our customers’ requirements.

We are a safe pair of hands. When you need us most, we’ll be there.

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Holidays & Accommodation

Travel Insurance

It is always advisable to book insurance as soon as you book your holiday and make a payment. From this point onwards, your money is at risk, as deposits are not refundable and cancellation charges increase as your holiday departure date approaches. Once you travel, then holiday insurance also provides you with cover for such essential items as medical treatment, travel delays, personal possessions and may allow you to claim reimbursement if you have to return home early. For your own peace of mind, please ensure that you are insured.

During these uncertain times, the actual cover available is very important, so when you choose your insurance policy, you may wish to check that cover for cancellation in the event of your contracting Covid-19, or having to self-isolate because members of your household have symptoms, is included. Some policies exclude this, although most will provide cover if you are taken ill whilst on holiday. There are policies available, which provide more comprehensive cancellation cover for Covid-19 and you may wish to seek them out.

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About Channel Islands Direct

Channel Islands Direct is a privately owned, independent tour operator based in Jersey. We have been operating holidays to the Channel Islands since 1979 and are pleased to offer the widest choice of accommodation and travel options to Jersey, Guernsey, Alderney, Sark and Herm.

All flight-inclusive holidays are financially protected by the ATOL scheme. Holidays and services which do not include flights are protected under the bond we hold with the Association of British Travel Agents.

Feefo reviews offer valuable feedback from real customers, building trust and credibility. They allow us to continuously enhance our services for your satisfaction. By choosing Channel Islands Direct, you can be confident in our high quality service.

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Your Complete Guide to Post Office Travel Insurance

Whether you’re planning a dream vacation abroad or simply visiting family in the country, unexpected events such as lost luggage, flight delays, or medical emergencies can ruin your trip. Comprehensive travel insurance can provide peace of mind and financial protection in the event that something goes wrong. In the United Kingdom, the Post Office provides competitively priced travel insurance policies that can be purchased online or in person. This article will explain what Post Office travel insurance offers, what it covers, how much it costs, how to purchase it, and whether it’s the best option for your next trip.

Table of Contents

What is the Post Office’s Travel Insurance?

Post Office travel insurance offers financial protection and assistance to UK residents before and during domestic and international trips. It covers the costs of emergency medical care, trip cancellations or delays, lost or stolen items, and other travel-related incidents. The Post Office collaborates with an established insurance provider to provide four levels of coverage based on trip duration:

• Single trip coverage for holidays of up to 120 days.
• Annual multi-trip coverage includes unlimited trips of 31 days or less.
• Long-term coverage for trips lasting between 31 and 550 days.
• Backpacker cover for extended trips up to 550 days for travelers aged 50 or younger.

The Post Office travel insurance plans are designed to be affordable while still providing adequate protection for the majority of holiday scenarios. Certain hazardous sports and activities may necessitate additional coverage for full protection.

What Does the Post Office Travel Insurance Cover?

Post Office travel insurance covers several standard categories with varying benefit limits depending on the plan selected. Here are a few of the main topics covered:

• Emergency Medical Expenses – Provides coverage for hospitalization, surgery, ambulances, prescriptions, and other medical expenses if you become injured or ill while traveling. This is the most important coverage to have internationally, where high healthcare costs are common.
• Cancellation or Curtailment – Reimburses prepaid travel expenses such as flights and hotels if you must cancel or shorten your trip due to illness, injury, death in the family, or other covered reasons. Allows you to recoup some of your lost money.
• Delayed or Missed Departure – Provides benefit payments if your travel is delayed for more than a specified number of hours due to covered reasons such as severe weather, strikes, equipment failure, or public transit delays beyond your control. Missed departure also includes additional transportation/lodging costs incurred as a result of issues that prevented you from arriving at the departure point on time.
• Personal Possessions and Baggage – Covers the cost of repairing or replacing items lost, stolen, or damaged while traveling, up to the specified item and benefit limits. Covers items such as luggage, clothing, jewelry, electronics, phones, valuables, and more, with some exceptions.
• Personal Money – Replaces stolen or lost cash, traveler’s checks, or money orders that were directly caused by a burglary, mugging, or robbery while on the trip. Provides additional security when carrying money for vacation purposes.
• Personal Accident – Provides a lump sum cash benefit if you die or lose limbs or sight as a result of an accident while traveling. Helps to mitigate tragedy during trips.
• Personal liability insurance covers legal fees and compensation if you cause accidental injuries to others or damage to their property while on a trip. Protects against third-party liability claims.
• Legal Expenses – Pays for legal consultation fees if you need to file compensation or damages claims against third-parties for events like: injuries/death of insured, hospitality contractual disputes like hotel/restaurant/car rental, issues around property damage/loss, or wrongful arrests during travels.

Aside from the core coverage sections above, Post Office policies may include additional benefits such as:

• Scheduled airline failure coverage
• Hijacking protection
• Pet Care Fees
• Home emergency reimbursement.
• Hospital Benefit Payments
• Golf Equipment Cover
• Replacement driver coverage.

The Post Office travel insurance aims to provide comprehensive protection suitable for the majority of common holiday scenarios. However, additional modules may be required for full coverage of certain high-risk activities.

How Much does Post Office Travel Insurance Cost?

As a general guideline, Post Office travel insurance costs around £9 for single-trip European coverage and up to £72 for worldwide coverage on longer annual multi-trip policies. However, costs can increase significantly when you consider:

• Worldwide coverage typically costs 50-100% more than European-only cover.
• Annual multi-trip policies are more costly than single trip coverages.
• Longer trip durations raise premiums.
• Older travelers pay higher than younger travelers.
• Adding additional modules increases costs.
• Pre-existing medical conditions incur significant costs.

To help estimate pricing more accurately, get an instant online quote based on your trip details and options. Prices vary greatly based on individual circumstances, so customized quotes provide the most accurate premium estimates.

Generally, Post Office travel insurance costs are very competitive in the UK market. The cost is reasonable when compared to similar plans from Provident Insurance, Swinton, LV, Saga, and other major providers. Those with pre-existing conditions can also compare quotes from insurers that specialize in high-risk cases, such as Freedom Insurance, InsuranceWith, and Staysure. In most cases, the Post Office plans provide comprehensive coverage at a reasonable cost.

How to Purchase Post Office Travel Insurance.

Purchasing Post Office travel insurance takes only a few minutes online or at a local Post Office branch.

Online Purchasing Process:

• Visit: www.postoffice.co.uk/travel-insurance.
• Click the “Start Quote” button.
• Answer basic travel questions.
• View quote and customize cover.
• Enter personal/medical information.
• Pay securely online with your card.

The online process is quick and easy, allowing you to purchase appropriate coverage 24/7 based on your specific travel plans.

In-Branch Purchasing Process:

• Visit the local Post Office branch.
• Discuss your needs with the staff.
• Select a suitable cover option.
• Complete the application form.
• Pay policy premium at the counter.

Purchasing cover in-branch allows you to discuss your specific needs with knowledgeable staff. They can recommend comprehensive products that are tailored to your specific trip needs.

Regardless of how you choose to purchase, the Post Office travel insurance plans provide dependable coverage for your travels at competitive rates. Their recommendation status from Defaqto, an independent researcher, adds to their quality coverage offering, which is suitable for the majority of holiday scenarios.

Is Post Office Travel Insurance right for you?

Finally, determining whether Post Office travel insurance fits your needs is based on a few key factors:

• Does your trip require global or European coverage?
• Is your trip duration appropriate for single, multi-trip, or long-stay policy structures?
• Does the included coverage have sufficient benefit limits for your risk tolerance?
• Can you cover any pre-existing medical conditions at a reasonable additional cost if necessary?

Does the price fit within your insurance budget?

If you can answer “yes” to these questions and obtain a suitable quote, Post Office travel insurance will most likely meet your protection requirements!

Many UK residents who plan regular vacations within Europe or elsewhere find that the Post Office travel insurance plans meet all of their needs. The coverage is comprehensive but reasonably priced, and it is backed up by a well-established national insurance partner.

Ultimately, obtaining travel insurance should relieve stress rather than add to it. Travellers can now enjoy peace of mind by purchasing quality coverage online or at trusted local Post Office branches, allowing them to focus on making the most of their upcoming adventures!

Getting caught without insurance while traveling can have disastrous financial consequences from minor mishaps. Post Office travel insurance provides strong UK-based protection, allowing you to explore the world with confidence. Their policies provide comprehensive coverage at reasonable prices for holidays of varying lengths and destinations. Understanding what Post Office insurance includes and excludes will allow you to determine whether it meets your needs before embarking on your next journey. The simple online quoting and purchasing process makes obtaining coverage an easy decision that adds security rather than hassles to your upcoming travel plans. 

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Jersey Travel insurance

Comprehensive Jersey Travel insurance at great prices, with experienced UK-based customer service team.

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Are you seeking a change of scenery and some much-needed sunshine? Whether you’re planning in advance or making a last-minute trip, one crucial aspect to sort out before visiting Jersey is your travel insurance. Amidst the numerous tasks to complete before your getaway, such as booking vacation time, packing your bags, checking the weather, and planning activities, it’s easy to overlook travel insurance. However, it’s imperative to safeguard yourself, your fellow travelers, and your possessions in case of unforeseen events. With Loveit Coverit travel insurance , you can have peace of mind knowing that you’re protected no matter where your travels take you.

Our Travel Guide

Jersey Travel Guide

Jersey, the largest of the Channel Islands, is a perfect holiday destination for those looking for sun, sea, and relaxation. The island's mild climate, sandy beaches, and picturesque countryside provide a peaceful retreat from the stress of daily life. There are multiple ways to reach the island, with airlines operating direct flights from various European cities, and regular ferry services provided by Condor Ferries from the UK and France. Once on the island, getting around is easy as it is only 9 miles by 5 miles in size. Visitors can rent a car, a bike, or use the extensive bus network to explore the island. Accommodation options in Jersey are abundant, ranging from budget-friendly hostels to luxury hotels. Most of the island's hotels are located close to the beach, offering beautiful sea views. Jersey is also home to several excellent restaurants that serve fresh seafood and locally grown produce. With its beautiful scenery and tranquil atmosphere, Jersey is an excellent holiday destination for couples, families, and anyone looking for a break from the hustle and bustle of city life.

How much does travel insurance cost?

There are various coverage options available for travelers visiting Jersey, each with different costs. The Essential cover provides basic coverage at a lower cost, but it may not offer as much coverage as the Premium Cover. The latter includes features such as Travel Disruption Cover and Pet Care Cover, providing significantly higher levels of protection. Plus and Premium Policies also have lower standard excesses than the Essential Cover.

The cost of your coverage will depend on various factors, including your health status, the specific region you’re traveling to Jersey, whether you’re traveling alone or with your family, and whether you require coverage for a single trip or for the entire year.

While it might be tempting to opt for the cheapest coverage option, it’s crucial to make an informed decision that adequately covers your needs. Saving a few pounds now could lead to substantial expenses in the future if you experience an unforeseen emergency.

Main Facts About Jersey

How do i know which cover is the right cover.

When planning your trip to Jersey, it’s important to consider all the necessary details before searching for travel insurance. This includes determining whether you’ll be traveling alone, as a couple , with a group , or as a family . Additionally, you should decide whether you require single or annual coverage and whether you’ll be renting a car or participating in any specific activities. It’s also crucial to assess the value of your luggage and the total cost of your trip in case you need to recoup any expenses. By taking all of these factors into account, you can select a policy that provides the adequate coverage you need for your trip.

Your Jersey Bucket list

Visit Jersey's beaches: Jersey is home to some of the best beaches in Europe. St Brelade's Bay is one of the most popular beaches, with its soft sand and crystal clear waters. Other beaches worth visiting include St Ouen's Bay and Plemont Bay. Explore the countryside: Jersey's countryside is dotted with quaint villages and stunning coastal views. Take a walk along the coastal path to enjoy the island's natural beauty. Visit the Jersey War Tunnels to learn about the island's wartime history. Experience Jersey's food culture: Jersey is famous for its seafood, particularly its oysters and lobsters. The island's cafes and restaurants offer a range of cuisine, from traditional British dishes to international cuisine. Visit the Durrell Wildlife Conservation Trust: The Durrell Wildlife Conservation Trust is a must-visit for animal lovers. The conservation trust houses over 1,300 animals, including gorillas, orangutans, and lemurs. Explore St Helier: St Helier is the island's capital and offers a range of shopping, dining, and cultural experiences. Visit the Central Market to sample local produce and handicrafts.

Traveller, there are no paths. Paths are made by walking        

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Hurricane season 2024: Saharan dust restricting tropical development but it won't last

What seems like a lull during a projected busy storm season is not unusual..

A burst of tropical vigor last week is withering in the final days of June with a Saharan dust outbreak trying to throttle storm development from Africa to the Caribbean.

The dust, made up of sand and mineral particles swept up from 3.5 million square miles of desert, could reach Florida by the weekend, said Michael Lowry, a meteorologist with South Florida ABC affiliate Channel 10, in his Eye on the Tropics blog .

Lowry said the plume is the largest since the hurricane season began June 1. It’s a common tourist in the Atlantic basin at this time of year, typically peaking in late June and early July with a proclivity to spoil tropical development by stealing moisture from the air.

“The tropical Atlantic appears ready for a summer vacation this week,” Lowry said.

While five tropical waves were noted in the National Hurricane Center’s weather discussion on Monday, June 24, NHC meteorologists gave only one a minimal chance of becoming a tropical cyclone over the next seven days.

For now, the unassuming knot of showers and thunderstorms is a few hundred miles east-southeast of the Windward Islands, but there could be slow development once it reaches the western Caribbean late this week, NHC forecasters said. The next names on the 2024 hurricane list are Beryl and Chris.

"This robust tropical wave is booking it below a belt of strong upper-level winds and dry Saharan air," Lowry said on social media.

About 60 tropical waves leave the coast of Africa each hurricane season. One in 10, on average, develops into a depression, named storm or hurricane.

Meteorologist Ana Torres-Vazques with the National Weather Service in Miami said the Saharan dust may approach the Florida Straits by Thursday but it’s too early to say how much or where exactly it will go .

“That will evolve over time and depend on the weather pattern,” she said.

Hurricane season 2024: Rapid intensification forecasts improve, and then there was Otis

Despite forecasts for an overachieving hurricane season , the first few weeks have had just the short-lived Tropical Storm Alberto formed on June 19. Although Alberto was no more than a weak tropical storm, it pushed a dangerous flooding storm surge into Texas and killed four people in Mexico, according to the Associated Press .

Alberto formed amid a flurry of activity in the Gulf of Mexico and waters surrounding Florida that included two areas that didn’t have the oomph to make it to a tropical depression before reaching the coastline.

Through June 19, the Northern Hemisphere measured an accumulated cyclone energy, or ACE, of about 12, which is the third lowest for that time period since 1950, according to Colorado State University senior researcher Phil Klotzbach.

Accumulated cyclone energy is the measure of a storm’s longevity and vitality.

AccuWeather lead hurricane forecaster Alex DaSilva said the season so far has mimicked a typical year, although it may seem achingly slow because there have been several recent past years that came racing out of the gate. In 2023, tropical storms Arlene, Bret and Cindy formed in June. Two years earlier, in 2021, three tropical storms — Bill, Claudette, and Danny — and Hurricane Elsa formed in June.

But, on average, the first named storm of a season forms on June 20, DaSilva said. Alberto formed June 19. The second named storm doesn’t typically form until July 17, with the third trailing on Aug. 3.

“It’s not uncommon to get through most of June and July with two or three storms,” DaSilva said. “It’s basically a storm a month until mid- to late-August and September when you really start to rattle them off.”

2024 hurricane season: 5 tips to stay sane and safe in face of frightful forecast

Lowry said strong upper-level winds and Saharan dust are contributing to the lack of activity. The Central American Gyre, which spawned Alberto and Invest 93-L, which caused heavy rainfall over northeastern Mexico before dissipating, has also “retreated”, Lowry said.

“Mother Nature is taking a break for the next seven days, at least,” wrote FOX Weather hurricane specialist Bryan Norcross in a social media post made before the 2 p.m. forecast by NHC identified what could become Beryl.

Kimberly Miller is a journalist for The Palm Beach Post, part of the USA Today Network of Florida. She covers real estate and how growth affects South Florida's environment. Subscribe to The Dirt for a weekly real estate roundup. If you have news tips, please send them to [email protected].   Help support our local journalism: Subscribe today.

Overview of Travel Insurance Coverage

What does travel insurance cover, what does credit card travel insurance cover, what travel insurance coverage do you need to pay more for, choosing the right travel insurance, what does travel insurance cover frequently asked questions, understanding what travel insurance covers.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®. The details for these products have not been reviewed or provided by the issuer.

• Travel insurance is intended to cover risks and financial losses associated with traveling.
• Coverage can include trip cancellation, baggage protection, medical care, and emergency evacuation.
• When filing a claim, be specific and comprehensive in your documentation to ease the process.

Whether it's a trip across the world or a trip across the state, having travel insurance provides major relief if things go awry. Flight delays, lost baggage, illness, injuries, and other unforeseen events can disrupt even the best-laid plans. With a major disruption comes the potential for unanticipated expenses.

Travel insurance and the coverage it offers can help keep you protected and save you money in the long run.

Travel insurance policies protect travelers from financial losses should something go wrong during their trip. You can customize which coverages you want to include, and there are several to choose from.

"Common types of coverage include trip cancellation, trip interruption, baggage protection, coverage for medical care if you get sick or hurt during your trip, and emergency medical evacuation," says Angela Borden, a travel insurance expert and product strategist for travel insurance company Seven Corners.

Travel insurance plans offer nonrefundable payments and other trip-related expenses. While monetary compensation is a primary benefit, there is another valuable perk of travel insurance. It can provide peace of mind.

Your specific travel insurance plan (and its terms and conditions) will determine the minutia and specifics of what is covered. As with most other forms of insurance, a general rule of thumb is the more you spend, the better your coverage.

"Travel insurance can be confusing, so it's best to research a reputable company that specializes in travel insurance and has a long history of successfully helping travelers all over the world," says Borden.

Trip cancellations and interruptions

A travel insurance policy can reimburse you for a prepaid, nonrefundable trip if it is canceled for a covered event, such as a natural disaster or a global pandemic.

Trip interruption insurance covers you if you're already on your trip and you get sick, there's a natural disaster, or something else happens. Make sure to check with your travel insurance providers to discuss any inclusions, coverage, and more.

Travel delays and missed connections

Travel delay insurance coverage provides reimbursement for any expenses you incur when you experience a delay in transit over a minimum time. Reimbursements can include hotels, airfare, food, and other related expenses.

Medical emergencies and evacuations

Typically, US healthcare plans are not accepted in other countries. So travel insurance with medical coverage can be particularly beneficial when you are abroad. Medical coverage can also help with locating doctors and healthcare facilities.

Medical transportation coverage will also pay for emergency evacuation expenses such as airlifts and medically-equipped flights back to the US. Out of pocket, these expenses can easily amount to tens of thousands of dollars. Certain plans may even transport you to a hospital of choice for care.

Travel insurance generally does not include coverage for pre-existing conditions. That said, you can obtain a pre-existing condition waiver, which we will talk about later.  

Baggage and personal belongings

Most airlines will reimburse travelers for lost or destroyed baggage, but be prepared for limitations. Travel insurance plans will typically cover stolen items, such as those stolen out of a hotel room. This may not include expensive jewelry, antiques, or heirloom items. Typically, airlines have a few days to recover your bag.

In the meantime, you can make a claim to pay for items like certain toiletries and other items you need to pick up. If your bag is truly lost or you don't get it for an extended period, you can file a true lost baggage claim.

A major perk on several travel credit cards is embedded credit card travel insurance . Typically, you will need to use the specific card for the transaction (at least with partial payment) for travel coverage to kick in.

Each card has specific rules on what exactly is covered. But one of the industry leaders is the $550-per-year Chase Sapphire Reserve credit card. Here's a snapshot of what is covered with this specific card:

• Baggage delay: up to $100 reimbursed per day for up to five days if a passenger carrier delays your baggage by more than six hours.
• Lost and damaged baggage: up to $3,000 per passenger per trip, but only up to $500 per passenger for jewelry and watches and up to $500 per passenger for cameras and other electronic equipment.
• Trip delay reimbursement: up to $500 per ticket if you're delayed more than six hours or require an overnight stay.
• Trip cancellation and interruption protection: up to $10,000 per person and $20,000 per trip for prepaid, nonrefundable travel expenses.
• Medical evacuation benefit: up to $100,000 for necessary emergency evacuation and transportation when on a trip of five to 60 days and traveling more than 100 miles from home.
• Travel accident insurance: accidental death or dismemberment coverage of up to $100,000 (up to $1,000,000 for common carrier travel).
• Emergency medical and dental benefits: up to $2,500 for medical expenses (subject to a $50 deductible) when on a trip arranged by a travel agency and traveling more than 100 miles from home.
• Rental car coverage: primary coverage for damages caused by theft or collision up to $75,000 on rentals of 31 days or fewer

More protections are included with cards with an annual fee, but there are exceptions. The no-annual-fee Chase Freedom Flex, for instance, includes up to $1,500 per person (and up to $6,000 per trip) in trip cancellation and trip interruption coverage.

However, there are some differences between credit card travel coverage and obtaining coverage from a third party.

"Credit card coverage does not typically provide travel medical benefits," Borden says. "For protection if you get sick or hurt while traveling, you'll want a travel insurance plan with medical coverage."

Whether you get your travel insurance in a standalone policy or through a credit card, it's important to review your plan details carefully. In either case, there may be exclusions and other requirements such as deadlines when filing a claim, Borden notes.

Knowing what travel insurance doesn't cover is as important as knowing what it does cover.

"Travelers should understand that travel insurance benefits come into play only if a covered reason occurs," Borden says. Most standard travel insurance plans won't reimburse you for the following:

Cancel for any reason (CFAR)

Cancel-for-any-reason travel insurance covers a trip cancellation for any reason, not just a covered event. your standard benefits won't kick in unless it's a covered event. For instance, you'll be reimbursed simply for changing your mind about taking a trip.

That said, CFAR travel insurance is not without its downsides. For one, it's more expensive than traditional insurance, and most CFAR policies will only reimburse you for a percentage of your travel expenses. Additionally, CFAR policies aren't available for annual travel insurance . 

You can find our guide to the best CFAR travel insurance here.

Foreseen weather events

Sudden storms or unforeseen weather events are typically covered by standard travel insurance plans. There are exceptions to be aware of. For example, an anticipated and named hurricane will not be covered.

Medical tourism

If you're going to travel internationally for a medical procedure or doctor's visit, your travel insurance plan will not cover the procedure itself. Most medical travel plans also won't cover you if something goes wrong with your procedure.

Pre-existing conditions and pregnancy

Those with specific pre-existing conditions, such as someone with diabetes and needing more insulin, will not be covered by most plans. In addition, pregnancy-related expenses will likely not be covered under most plans.

That said, you can obtain a pre-existing condition waiver for stable conditions. In order to obtain a wavier, you will need to purchase travel insurance within a certain time frame from when you booked your trip, usually two to three weeks, depending on your policy.

Extreme sports and activities

Accidents occurring while participating in extreme sports like skydiving and paragliding will typically not be covered under most plans. However, many plans offer the ability to upgrade to a higher-priced version with extended coverage.

Navigating claims and assistance

When a trip goes awry, the first thing you should do is document everything and be as specific as possible with documentation. This will make the claims process easier, as you can substantiate and quantify your financial losses due to the delay.

For example, your flight home has been delayed long enough to be covered under your policy, you'll want to keep any receipts from purchases made while waiting. For instances where your luggage is lost, you will need to file a report with local authorities and document all the items you packed.

Cancellation protection also requires meticulous attention to detail. If you're too sick to fly, you may need to see a doctor to prove your eligibility. If an airline cancels a flight, you'll also need to document any refunds you received as travel insurance isn't going to reimburse you for money you've already gotten back. 

Part of the benefit of CFAR insurance is the reduced paperwork necessary to file a claim. You'll still need to document your nonrefundable losses, but you won't have to substantiate why you're canceling a trip.

Each plan should be personalized to meet the insured party's needs. Some travelers prefer to stick to the bare minimum (flight cancellation benefits through the airline). Others want a comprehensive plan with every coverage possible. Before you buy anything, set your destination. Are there any travel restrictions or changes pending? Does your destination country require emergency or other medical coverage?

If the destination airport is known for lost or delayed luggage, travelers should keep important items in carry-ons. Lost or delayed luggage coverage protects insured parties in the event of a significant delay or total loss.

Second, check current credit card travel benefits to avoid redundancies. Savvy travelers don't need to pay for the same coverage twice.

Finally, consider your individual needs. Do you have a chronic medical condition, or do you feel safe with emergency-only medical coverage? Keep in mind, this does not include coverage for cosmetic surgery or other medical tourism. Do you have a budget limit for travel insurance? Asking and answering these important questions will help every traveler find the right product.

Most travel insurance plans are simple, and Business Insider's guide to the best travel insurance companies outlines our top picks. Remember, read your policy and its specifics closely to ensure it includes the items you need coverage for.

No one likes to dwell on how a trip might not go as planned before even leaving. However, at its core, travel insurance provides peace of mind as you go about your trip. While the upfront cost may seem significant, when you compare it to the potential expenses of a canceled flight, emergency evacuation, or a hefty medical bill, it's a small price to pay in the grand scheme of things.

Coverage for pandemics vary from policy to policy. Some travel insurance companies have specific provisions for pandemic-related cancellations, while others may exclude them entirely.

Sports injuries are often covered under travel insurance, but high-risk or adventure sports might require additional coverage or a special policy.

Travel advisories have different effects on your travel insurance depending on your policy. Traveling to a country already under travel advisory may invalidate your coverage, but if you're already traveling when a travel advisory is announced, you may be covered.

Travel insurance usually covers the cost of emergency medical evacuations to the nearest suitable medical facility, and sometimes back to your home country, if necessary.

Many travel insurance policies provide coverage for the cost of replacing lost or stolen passports during a trip.

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Harry Kane says England can raise game when it ‘counts’ in the knockout stage

Harry Kane says England can be proud of topping their Euro 2024 group but insists there is “more to come” as Gareth Southgate’s stuttering side move on to the part of the tournament “where it all counts”.

Three years on from finishing as continental runners-up, the road to the Berlin final began with topping their pool in unconvincing, and at times alarming, fashion.

England opened with a hard-fought 1-0 win over Serbia before draws against Denmark and Slovenia that ended with boos at the final whistle.

Top of the group. Our best is still to come… ??? pic.twitter.com/ZktiwuOwhC — Harry Kane (@HKane) June 25, 2024

There is a negative mood around the team, but the five-point haul proved enough for the Euro 2020 runners-up to progress to the round of 16 as Group C winners.

“I think we can be proud of finishing top,” captain Kane said.

“It’s not easy in these major tournaments, as you’ve seen with other nations, other big nations, in the tournament already not finishing top, so we can enjoy this for sure.

“It was a tough game. I thought it was probably our best performance out of the three.

“I thought we definitely had more energy without the ball, we pressed better, we counter pressed better, which allowed us to have wave after wave.

“We just lacked a bit of magic in the final third, but that will come.

“Another good clean sheet, which we’re going to need if we want to go far in this tournament, that’s for sure, so credit to the boys for that.

“We enjoy it and move on to the next round.”

They will now not come up against another group winner until the semi-final stage, with one of the best four third-placed sides awaiting them in the round of 16.

“Whoever we get it’s going to be a tough game, as this group has shown,” Kane told BBC Radio 5 Live.

“I think every group that you’ve watched so far in this tournament, there’s some really good teams, really well-organised teams.

“There’s no easy game now in this type of competition.

“So whoever it is, obviously we’ll do what we always do, prepare well, debrief well.

“And then it’s knockout football now – the important part of the tournament where it all counts, so hopefully we can build a bit of momentum going into the knockout rounds.”

England could well be facing the Netherlands this weekend in Gelsenkirchen, with Kane confident they will be able to go up a notch in the knockout rounds again.

The skipper reacts to tonight’s performance and topping our #EURO2024 group: — England (@England) June 25, 2024

“I think if you look at previous tournaments for sure we started to play some of our best football in the knockout rounds,” he said.

“The last Euros against Germany, against Ukraine and then Denmark, and even the World Cup against Senegal in the first knockout round, so for sure there’s more to come.

“I think always the objective to start the tournament is get through the group. You don’t want to have any mishaps and then you’re third place waiting to see what happens.

“We finished top, we’ve done our main objective.

“We can improve, we know that, but you’ve got to enjoy these moments. Major tournaments are really hard, really difficult, and to finish top is not easy.”

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• Family First Terms

Family First discount terms and conditions

If you’re buying Post Office Travel Insurance using the 10% discount from Family First magazine, the following terms and conditions apply.

Terms and conditions for 10% off Post Office Annual Multi-trip and Single-trip Travel Insurance, using code “FamilyFirst10”.

21 june 2024 to 31 august 2024.

• The promoter is Post Office Management Services Limited, registered office 100 Wood Street, London, EC2V 7ER (the Promoter).
• Participation in this promotion is deemed acceptance of these terms and conditions. 
• Customers who purchase a new Post Office Annual Multi-trip Travel Insurance policy or new Post Office Backpacker Travel Insurance policy or new Post Office Single-trip Travel Insurance policy (Travel Insurance) online from 21 June 2024 to 31 August 2024 inclusive will be entitled to claim a 10% discount on the price of the Travel Insurance using code “FamilyFirst10”. 
• Travel Insurance 10% discount applies to the full premium payable, including any additional premium payable for any pre-existing medical conditions or additional cover options you have chosen to include. 
• The Offer is not available to customers renewing an existing Post Office Annual Multi-trip Travel Insurance policy. 
• Customers can apply for more than one Post Office Travel Insurance policy, and the 10% discount will apply to each policy taken out. 
• The Travel Insurance policy you buy does not have to be in your name and can have other people covered by the policy. Only one discount can be redeemed per Post Office Annual Multi-trip or Single-trip Travel Insurance policy. 
• Travel Insurance policies are subject to eligibility criteria (including age restrictions), and full terms and conditions all of which can be found in the Post Office Travel Insurance policy documents. 
• This Offer cannot be used in conjunction with any other offer. The offer is not transferable or exchangeable and cannot be redeemed for cash. 
• If you decide to cancel your Post Office Annual Multi-trip Travel Insurance policy within the first 14 days of receiving the policy documentation or before the start date of the policy (including if you are replacing an Annual Multi-trip policy with a Single-trip policy), or you decide to cancel your Single-trip policy within 14 days of receiving the policy documentation, the refund will be the actual premium amount (inclusive of the discount) paid. 
• This Offer does not apply to Post Office Limited employees, Post Office Management Services Limited employees, or Post Office Subpostmasters and their employees who work in Post Office branches. 
• The Promoter reserves the right to withdraw, amend, substitute or cancel this promotion and terms and conditions at any time. 
• Policy benefits and features may vary between insurance policies and are subject to underwriting criteria.