Your peace of mind is crucial to make the most out of your trip or travels. It’s great to keep an itinerary handy but let’s get down to the brass tracks to get rid of the looming fear of going facing the unknown. Travel insurance provides much-needed security against unforeseen circumstances by taking care of the monetary aspect of travel. When you make a claim, you would be reimbursed for expenses covered by the policy. A trusted company that caters to the needs of travellers is Aviva.
Aviva travel insurance typically covers medical expenses, trip cancellations or disruptions, lost or stolen baggage, and emergency assistance services while travelling. They also offer different levels of coverage to suit the needs and budgets of customers. There is an option to add additional benefits like coverage for risky sports, delays in travel, damages, and much more. This article will review what Aviva travel insurance covers, what’s not covered, types of policies and their claims process.
Aviva Travel Insurance plans
Aviva Travel Insurance caters to the needs of different types of travellers and their budgets. Here is a list of their main plans:
Single-trip travel insurance
The single-trip travel insurance provides coverage for one trip and is available for up to a year. This is a great option for those that don’t travel often but have an important trip to take. The coverage typically includes medical expenses, trip cancellations or disruptions, and lost baggage.
Annual multi-trip insurance
The annual multi-trip travel insurance Aviva offers extensive coverage for multiple trips within a year, with a limitation of up to 31 days per trip. This option is recommended for those that are constantly on the go. This is an affordable choice for globetrotters, and includes the same coverage as that of a single tip cover, with additional security for travel delays and missed connections.
Optional extra covers:
- Winter sports: This provides coverage for winter sports like skiing and snowboarding. This would typically include cover for medical expenses, gear damage or loss, and piste closure.
- Backpacker: This is a more risky more of travel as leisure is not a top priority. With several things that could go wrong for the backpacker, this plan will cover for medical emergencies, cancellations, and damage to personal belongings. Its extended trip cover goes for up to 18 months.
- Travel disruption: This provides security for cancellations and trip abandonments due to a pertinent authority forbidding the travel or when there are strikes in the destinations due to which transportation gets cancelled. It is also applicable when natural disasters take a toll on the accommodations.
- Airspace closure: If the airport is closed on the date of travel, this extended clever comes into action. It is also applicable when volcanic activity affects travel or when there are no alternatives for transport for more than 24 hours from the time of departure.
- Baggage: This cover will provide insurance for damage or loss of personal belongings of up to £1,500 per person. However, this is not applicable if the baggage has been left unattended or if the loss was left unreported for 24 hours.
- Golfing: This provides coverage for loss or damage of golfing equipment for up to £1,500 per person. However, this is not applicable if the equipment was stolen from a motor vehicle and left unreported for 24 hours.
- Scuba diving: A standard insurance will cover the diver for up to 15 m in depth but with this additional cover, it is extended to 30 metres. The specifics depend on the policyholder and there will be variations in the details.
Availing of extra coverage is a smart choice to stay ahead of hazardous accidents or incidents.
What’s not covered
Unfortunately, there are instances when Aviva travel insurance won’t provide coverage. They are:
- Cancellations: Unless you’ve taken out the travel disruption cover, Aviva won’t provide coverage for cancellations of trips if the Foreign, Commonwealth & Development Office advises doing so.
- If any event was bound to occur when purchasing a policy that would inhibit you from continuing the travel or affect travel plans.
- If there are costs recoverable from the travel/accommodation provider, or the bank, you’re advised to go to them instead.
- If the mishaps were not a part of any extra covers.
- Activities specifically excluded in the policy wording.
- If problems occur due to documents being out of date.
How the claims process works
Keep your documents ready: A dedicated team is available to help you 24/7 online or over the phone. Keep your policy number handy to start a claim, along with a copy of your insurance documents.
Expert Review: The speciality team will look at the claim and work out how to best help you. They will review the photos or documents you submit as part of the claim, along with receipts for emergencies.
Quick response- When the due process has been followed, they will reach out post-haste to sort things out.
At home or abroad, the Aviva travel insurance team are there for you. Travel insurance is crucial to provide protection against unforeseen circumstances. You can add up to 8 family members or friends on the Aviva travel insurance. Go through the policies to make the best of it and not blindsight you later on. It promises to give you peace of mind while you’re away from home. The insurance will come into action if things don’t go as planned. For more information, visit Tripcolumn.
Does Aviva travel insurance cover a cancelled flight?
Aviva travel insurance covers you for costs that can’t be recovered anywhere else. If your flight is cancelled, the first thing to do is check with the airline to find out what options are available. If all costs cannot be recovered, they will look into your circumstances and see if there is help available.
Does Aviva travel insurance cover strikes?
In case of flight cancellations, contact your airline first or travel agency. If you’ve added the Travel Disruption cover, you might be covered for cancellations due to strikes. This will ultimately depend on when the strikes were announced, the time of booking, and the time of purchasing the insurance. If the strikes we announced to take place in the media, you won’t be covered.
Will the insurance cover missed flights due to delays at the airport?
No, you won’t be covered for missed flights due to delays at or by the airport. Contact your airline or travel provider to see what options are available for you.