Worldwide Family Travel Insurance: An Overview
Finding the right travel insurance can be a daunting task, especially when planning trips that involve loved ones. The Group Insurance Scheme provides comprehensive worldwide family travel insurance, covering members, their spouses or cohabiting partners, and dependent children and grandchildren under the age of 23 who are in full-time education and residing with the member. This insurance is designed to give families peace of mind while they explore the globe together.
Flexible Coverage Options
The policy offers annual multi-trip coverage for global travel, allowing for trips of up to 31 days each. Whether you’re hitting the slopes for some winter sports or diving into the depths with scuba gear (up to 40 meters, as long as you have a recognized diving qualification), this insurance has got you covered. Additionally, it includes protection against natural disasters—think volcanic eruptions, earthquakes, and floods—ensuring that you are safeguarded no matter what happens during your adventures.
Joining the Group Insurance Scheme
If you’re interested in taking advantage of this travel insurance, joining the Group Insurance Scheme is straightforward. Simply complete the application form on the Group Insurance Scheme Documents page and submit it as soon as possible. Your coverage will commence once the premium is deducted from your pay, ensuring that you’re protected before your travels begin.
Age-Related Changes to Coverage
It’s important to note that as members age, their premium rates and benefits may change—specifically at retirement and again at age 65, with coverage ceasing after the age of 75. This tiered structure is meant to provide flexibility and assistance as your travel needs evolve through different life stages.
Key Information for Travelers to the Schengen Area
Travelers planning to explore countries within the Schengen area will want to be aware of new regulations set to go into effect starting October 12, 2025. The EU will implement a digital Entry/Exit System (EES), changing how British citizens enter these countries. This system will require biometric registration upon arrival, eliminating the need for passport stamps.
Proof of Insurance Requirements
As you prepare for trips to the Schengen area, you might also be asked to provide proof of your travel insurance. Since this policy is group-based, it does not include personalized details. To obtain a proof of insurance letter, you can contact Gallagher via email, supplying the required information—such as your Police Federation name, details of all travelers covered, and trip dates.
- Name of your Police Federation
- Names of all travelers covered by your policy (including relationships and ages)
- Departure and return dates, as well as destination(s)
- Your home address
- Your collar number (if applicable)
Your Policy Wording: Know Your Coverage
Understanding your policy is crucial. Your policy wording can be downloaded from the Group Insurance Scheme Documents page. This document outlines the terms and conditions of your insurance, ensuring you know what is covered and what isn’t. Always read it thoroughly to confirm that your needs are met before embarking on your journey.
How to Make Claims
In the unfortunate event of needing assistance while traveling, turn to Healix Assistance, your emergency assistance provider. They can be reached via telephone or email to help you navigate any urgent claims. For non-emergency claims, different contact numbers and email addresses are available depending on whether you are based in the UK or Ireland. Additionally, online claims can be submitted through a dedicated portal.
Handling Pre-Existing Medical Conditions
One notable aspect of this policy is its handling of pre-existing medical conditions. Coverage does not extend to claims arising from these conditions, whether under medical expenses or cancellation claims. It’s essential to be aware of these limitations to avoid unexpected issues while traveling.
West Midlands Police Federation is an Appointed Representative of Arthur J. Gallagher Insurance Brokers Limited, which is authorized and regulated by the Financial Conduct Authority.