M&S TRAVEL INSURANCE
M&S Travel Insurance offers a choice of single or annual multi-trip policies which include:
- Travel disruption cover
- Protection against your transport or accommodation provider going insolvent so you can recover your costs
- 10% discount for new policies purchased online
M&S Travel Insurance is underwritten by Aviva Insurance Limited. Annual multi-trip age limit of under 80, with no age limit for single trip policies.
M&S Travel Insurance is not available to customers who live in the Channel Islands or Isle of Man
Cover in relation to Covid-19
- Cover for cancellation if you are prevented from travelling because you have tested positive for Covid-19
- Cover for cancellation if you are advised to self-isolate, preventing you from travelling
- Cover for cancellation if you are prevented from travelling due to local lockdown restrictions in the UK*
- Cover for cancellation and abandonment if in the 31 days before travelling, or while you’re away, the FCDO advise against travelling to your destination*
- Cover for additional travel and accommodation costs if you unexpectedly have to quarantine or self-isolate due to catching Covid-19 or being in close contact with someone who has Covid-19 while on a trip*
- Cover for medical treatment if you catch Covid-19 while on a trip**
Medical emergency
If you’re ill or have an accident abroad, your medical expenses could be covered up to £10 million.
M&S Travel Insurance will cover you for emergency medical expenses if you catch Covid-19 during your trip abroad.
Subject to policy terms and conditions. Please read the ‘Your health’ section in the policy booklet on existing medical conditions.
Cancelling or coming home early
Claim for unrecoverable costs up to £6,000 if you need to cancel your trip or come home early.
Includes if you have to self-isolate or quarantine before you travel due to Covid-19.
Subject to policy terms and conditions.
Medical screening
You’ll be asked questions about your medical conditions when you complete your quote.
You’ll need to tell us if, in the last 12 months, any traveller has been prescribed medication, received or is awaiting medical treatment, tests or investigations, or have been admitted to hospital for any illness, injury or disease, including Covid-19.
Travel disruption cover
All policies include travel disruption cover as standard. This offers additional protection for non-refundable travel costs.
Insolvency of transport or accommodation provider
This cover offers protection against your transport or accommodation provider going insolvent so you can recover your costs.
Enhance your policy
Baggage – protection if your bags go missing or get damaged.
Winter sports – cover for winter sports and the loss or damage of your sports equipment.
Terms and conditions
* Provided the travel restrictions including FCDO advisories and quarantine requirements were not in place when you booked your trip or purchased your policy (whichever is later) and these restrictions were not in place when you travelled.
** Provided you have not travelled against FCDO advice.
M&S Travel Insurance is underwritten by Aviva Insurance Limited. Terms, conditions, exclusions and limitations apply. In addition there are important conditions relating to health which may affect your cover.
Annual multi-trip age limit of under 80, with no age limit for single trip policies.
Instant help
Important documents
M&S Travel Insurance Product Information Document
M&S Travel Insurance Policy booklet for policies which renewed prior to 17 January 2021
M&S Travel Insurance Summary of Cover limits
M&S Travel Insurance Privacy Notice
M&S Travel Insurance - about our insurance services
M&S Travel Insurance – Coronavirus FAQs
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FAQs
How do I make a claim?
To make a claim you will need to contact Aviva.
- For medical emergency claims please call Aviva on 0800 051 6561 or +44 160 360 4906 if calling from abroad.
- If you don’t need urgent medical attention you can make a claim online or by calling Aviva on 0800 051 4780 or +44 160 360 3783 from abroad.
- You’ll need to provide the following information when making a claim:
- Your personal details, plus details for anyone else claiming on this policy.
- Details about your trip, for example, date of travel and airline (if it’s relevant).
- Your bank account details so that Aviva can settle your claim as soon as a decision is made.
- You can also make a claim if you do not require urgent medical attention by calling 0800 051 4780 or +44 160 360 3783 from overseas. Lines are open 24 hours a day, 7 days a week.
What's a policy excess?
This is the amount of money you have to pay if you make a claim.
M&S Travel Insurance has an excess of £100 per person per claim and you can choose to reduce the excess to £50 which will increase your premium.
Are there any charges to change or cancel my policy?
To make sure that you have the right cover in place, please let us know of any changes during the annual policy term. We do not make any charges for mid term changes.
If you cancel your policy within 14 days of receiving your policy documentation we will refund all premiums paid provided you have not travelled or made a claim, and there has been no incident which may result in a claim being raised.
If you wish to cancel the policy after the 14 days then there will be no cancellation charge and no refund of premium will be made.
Will I have to declare any medical conditions?
You need to tell us if you, or anyone else on your policy, have had any illness, injury or disease within the last 12 months where they have:
- Been prescribed medication and/or
- Received or are awaiting, medical treatment, tests or investigations and/or
- Been referred to, or had a follow up with, a specialist and/or
- Been admitted to hospital or had surgery
Compare travel insurance cover options
Cover you can rely on
We offer a choice of cover options so you can tailor your travel insurance to meet your needs. You can compare the level and types of cover in the table below. Whether you decide to add any cover options to your policy or not, you can relax knowing we'll deal with any claim quickly and fairly if something goes wrong with your travel plans.
Cover options
Available for single trip and annual multi-trip travel insurance policies. All cover levels are per person.
| Cover benefits | Includes (up to) | Option (up to) |
|---|---|---|
| Age limit – annual multi-trip | 79 | |
| Age limit – single trip | No limit | |
| Excess | £100 | Reduce to £50 |
| Online medical screening | Yes | |
| Cancelling or coming home early | £4,000 | Reduce to £2,000 or increase to £6,000 |
| Emergency medical and associated expenses | £10 million | |
| Travel disruption | The level of cover will match the level selected for cancelling or coming home early | |
| Emergency travel document expenses | £250 | |
| Personal money | £500 | |
| Personal liability | £2 million | |
| Legal expenses and advice | £25,000 | |
| Accidental death or permanent disability | £25,000 | |
| Your belongings | Option only | £1,000 or £2,500 |
| Winter sports | Option only | £500 for equipment £300 for winter sports holiday disruption |
What's not covered
M&S Travel Insurance does not provide cover for:
- Known events; there is no cover in relation to any event, circumstances or incident you knew about (or were reasonably expected to know about) at the time you booked your trip or purchased your policy (whichever is later) and could reasonably be expected to affect your travel plans.
- Costs which are recoverable from your travel and/or accommodation provider/agent, your debit/credit card provider, PayPal, ABTA, ATOL or similar.
- Travelling against Foreign Commonwealth and Development Office (FCDO) advice. This includes advice or measures put in place by governments and local authorities in the UK or abroad.
Please ensure you read the policy booklet for full details on what is and isn’t covered, in particular the Exclusions which apply to the policy.
Lines are open 8am - 8pm Monday to Friday, 9am - 6pm Saturday, and 10am - 2pm Sunday. Calls are recorded.