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FAQs

Travel insurance can seem complicated. So if you have any questions about cover levels, how to make changes to your policy or any other questions, please consult our FAQs below.

If you still have some question unanswered, please don't hesitate to Contact Us.

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Company Information

We are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

You can contact us by sending an email to travel@loveitcoverit.com or calling us at 0300 3030445 within the working hours. If you are abroad and need urgent assistance, please contact the Emergency Medical Service on +44 0203 0931749.
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General Cover Information

We provide cover for most countries. When getting a quote for your travel insurance, you’ll be able to choose your destination or a region, if you’re buying a Multi-Trip Policy.

Please note that there is specific guidance on FCDO restrictions due to COVID-19, please click here to see the information.

Single trip policy will cover you for one trip of a specified duration while an annual multi-trip policy will cover you for an unlimited number of trips within the policy period.

This depends on the type of policy you want to purchase.

For single trips, you have to be between the ages of 18 and 70.

For annual multi-trips, you have to be between the ages of 18 and 65.

Yes, our insurance policies cover travel in the UK as well as international travel.

Yes, you would be covered for business travel. However, the policy does not cover any claim for items that are used in connection with your business, trade, profession or occupation, e.g. a business laptop. Claims as a result of you doing manual work or personal liability claims involving your place of work are also not covered.

Our travel insurance policies cover everything from Cancelling or Cutting Short your Trip, Medical Emergency and Repatriation, Disruption or Delay to Travel Plans, Personal Belongings and Money, Legal and Liability, Personal Accident and Pet Care. There is also the option to add Gadget Cover to your policy to cover any accidental damage, loss or theft to your gadgets whilst on your trip.

The amount of cover depends on the level of cover purchased, so please make sure you check the Terms and Conditions for details of your cover.

We offer 3 levels of cover: Essential, Plus and Premium or, for policies purchased via a price comparison website: Silver, Gold and Platinum.

The cover provided under each level is different, so please check the Terms and Conditions for further details.

For a single trip, the maximum duration is 90 consecutive days.

For an annual multi-trip policy, the maximum duration depends on the level of cover purchased.

The maximum duration on Essential, Silver, Plus and Gold policies is 31 consecutive days, and for Premium and Platinum policies, 45 consecutive days.

Yes, our policies cover trip cancellations for various reasons, such as an unforeseen illness, disease or due to operational reasons when you are a member of the Armed Forces. For more information about our trip cancellation cover, please check the Terms and Conditions.

Yes, loveit coverit travel insurance offers the option to add cover for your gadgets. You also have the option to take out individual gadget insurance with loveit coverit, where unlimited worldwide cover is included.

  • Property Irregularity Report (PIR) from the carrier or their handling agents.
  • Letter from airline confirming reason and length of delay and when item(s) were returned to you.
  • Original itemised receipts for any emergency purchases made.
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Definitions

The definition of a couple for travel insurance is: you and your spouse, civil partner or partner who lives in the same household for at least 6 months. If you have an annual multi-trip policy with us, insured adults can travel independently.

  • you and your spouse, civil partner or partner who lives in the same household for at least 6 months.
  • your unmarried dependent children (including adopted, fostered and step-children) under the age of 18 years (or under the age of 23 if in full-time education), living in the same household, including children living away from home in full-time education.

Policy excess is the sum you will have to pay in case of any claim made.

A pre-existing medical condition can be any kind of illness, disability or injury that exists when or before you take out your travel insurance policy. It can also mean acute or chronic conditions you’ve recovered from such as cancer or high blood pressure.
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Policy Administration, Documents and Making Changes

You can get a travel insurance quote here.

We will always send you an email with all policy documents, when you take out a policy. If you need us to resend your documents, you can email us at travel@loveitcoverit.com.

You can log into the Customer Portal to make simple changes to your policy.

If your change involves adding a traveller or adding/amending your medical declarations, please contact us via Live Chat or call us on 0300 3030445.

Please be aware that the changes you make might increase your premium.

You may cancel this policy within 14 days of receipt of the policy documents or within 14 days of the renewal date, in the case of annual multi-trip policies. Any premium paid will be refunded, subject to the terms and conditions within your policy wording.

You can cancel this policy at any time after 14-days, however, please note that no premium refund will be made.

We will provide you with renewal terms before your renewal and will send you a renewal notice, explaining how this will work. If you do not wish to renew your policy, you will need to contact us at least 21 days prior to the expiry of your policy. If we do not hear from you, your policy will be renewed automatically.

If you do not want the policy to automatically renew, you can call us at any time after you have purchased the policy.

If any of your circumstances have changed, please let us know as that might impact the insurance premium.

If you’ve decided to extend your trip and need to extend your travel insurance policy, please contact us. Please remember that this may require you to pay an additional cost for the insurance.

If you haven’t received your policy docs, please speak to us on live chat or email us at travel@loveitcoverit.com to let us know and we will email them to you.
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Claims

In an event of a claim, you should immediately contact us by telephone, email or by submitting a claim online.

Please see our How to Claim Page for more information.

If you need to make a medical emergency claim, please call us on +44 0203 0931749.

For all other claims, please see our How to Claim Page for information.

In an event of an emergency, please contact the local emergency services first (make sure you know the number before you travel) and then contact 24-hour emergency assistance on +44 0203 0931749.
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Medical Conditions

You will be asked whether you have a medical condition when getting a travel insurance quote. If you do, you can add it to your policy then. If you forgot to add a medical condition or have a new condition you didn’t have at the time of the inception of the policy, please contact us. In both situations you will need to go through our medical screening process in order to find out whether we cover the specific condition.

You must declare any of the following conditions for which you have taken and/or been prescribed medication or received treatment (including surgery, tests or investigations in the last 5 years:
  • Any cardiovascular (heart, arteries or vein related) or respiratory (related to the lungs) condition
  • Any cancer, diabetes, epilepsy or stroke

Unfortunately, we will not be able to provide you with cover if you are seeking medical advice for a symptom or condition but are yet to receive a diagnosis. We can direct you to the Money Advice Service who have introduced a service to help find customers with pre-existing medical conditions find affordable cover. For more information or to us their service visit Money Advice Service or call on 0800 1387777 (lines are open Monday to Friday 8am to 6pm).

We will consider all medical conditions including heart conditions, diabetes and cancer as part of our medical screening process. However, in some cases we are unable to provide cover.

If we are unable to provide you with a quote, we can direct you to the Money Advice Service who have introduced a service to help find customers with pre-existing medical conditions find affordable cover. For more information or to us their service visit Money Advice Service or call on 0800 1387777 (lines are open Monday to Friday 8am to 6pm).
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Coronavirus

Customers are covered if they, someone they are travelling with or a close relative (as defined within the policy) contracts coronavirus and / or if they or someone they are travelling with has to quarantine because they have been exposed to coronavirus or have been contacted by a doctor, track and trace, or another public health board before their trip and cannot travel, so long as they were unaffected and able to travel at the time they purchased the policy and at the time they booked their trip.

In terms of cover, all our policies, irrespective of purchase date, include cover for emergency medical expenses due to coronavirus or if you have to cancel because you or a close relative become ill with coronavirus.

New and existing customers will also be covered for emergency medical claims related to coronavirus in countries which are exempt from the Foreign, Commonwealth & Development Office’s (FCDO) or another regulatory body’s advice against all but essential travel.

If your transport provider or tour operator moves your trip destination or dates due to the outbreak, then we will class your original booking date as your booking date, therefore the exclusion for new trips booked will not apply. You will need to amend your insurance to reflect your new dates and there may be an additional premium for doing this. If your trip is cancelled and you book a new/alternative trip, then your policy will not cover cancellations or some curtailments relating to coronavirus. General rules regarding FCDO advice and travel restrictions will continue to apply.

Before you go, please check whether it is safe to travel to your destination and whether the country is accepting tourists from other countries. Also check the Government and FCDO advice.

If you choose to travel against FCDO advice (that is to a country, specific area, or event when the FCDO, or other regulatory authority in a country to/from which you are travelling, has advised against all but essential travel), your policy may be impacted.

For example, should you travel against FCDO advice that is in place due to COVID-19, your policy will not provide cover if you suffer with COVID-19 when abroad, but would provide cover for claims that are not directly or indirectly linked to Covid-19 for instance, if you broke your leg.
However, you would not be covered for cutting your trip short if the FCDO (or other regulatory authority) recommended evacuation from a country or a specific areas you have travelled to, when there was a warning against all or all but essential travel in place when you departed on your trip, and you continued to travel anyway.

We do not require you to be fully vaccinated to take out a policy with us. However, our policies don’t cover you if you fail to hold the relevant documentation required by the destination country or your airline (or other public transport you might use). For example, if your destination country requires you to be fully vaccinated to enter the country and you fail to provide the documents confirming your vaccination status and therefore cannot travel, there is no cover under your policy.

If you were diagnosed with COVID-19, you will need to declare this as a pre-existing medical condition.
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Brexit

It is highly unlikely that your travel policy will be affected by Brexit. However, before travelling, please check your policy documents to see what you’re covered for.

Currently, you do not need to take out an additional cover for travelling to Europe. If this changes, we will notify you.
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Other Popular Questions:

An issue with traffic control fault (28/8/2023), has caused several delays and cancellations to travel plans. Customers travelling in the next few days should check with their airline.

If you have been affected by this, please click here for more information.

If you are due to go on a package holiday, then your booking should be financially protected by a scheme such as ATOL. You should have been given an ATOL certificate (or similar) when you booked your holiday, which includes details of what to do if the company goes into liquidation. If the company does go into liquidation, customers should visit the Civil Aviation Authority’s (CAA) website for guidance.

If you only booked flights, these may also be protected by a system such as ATOL, although it is less common. If you do have protection you would have been given a certificate (or similar) when you booked your flights, which includes details of what to do if the company goes into liquidation.

If you purchased some or all of your flights or booked your accommodation separately using a credit card, you may be able to arrange a refund from your credit card provider or PayPal. You may also be able to claim on your insurance, but this will depend on the level of cover you have in place and usually your excess will be deducted from the amount to be repaid.

It’s important you check the insurance policy your tour operator, airline or destination provides, to make sure it covers everything you need. In some cases, it will only provide limited cover if you contract coronavirus while on your trip. Therefore, if you require cover for other issues, such as medical incidents abroad not relating to coronavirus, lost baggage, travel disruption etc. you are likely to still need a traditional insurance policy.

If you are confined to your hotel under doctor’s orders for at least 24 hours, we will pay for the room, up to the policy limit. And if you paid in advance for excursions or activities that you can’t do because of your quarantine, we will cover that, up to a certain amount.

If your airline or travel provider cannot book you on a later flight, we will cover an alternate flight subject to a valid claim.
Last modified: 31st July 2024
Author: Jonathan Owen
Last modified: 31st July 2024

Author: Jonathan Owen