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Frequently Asked Questions

Have a question? You can find the answers for the most common questions asked by our customers.

What happens if I have an emergency abroad?

If you have an accident or need medical treatment for an illness, you or the hospital that is treating you should contact the 24 hour Emergency Assistance Service. The Emergency Assistance Service will confirm your cover and handle all negotiations on your behalf. Your insurers will usually settle the account directly with the hospital but if it is a minor injury treatable by a GP or local hospital, you can settle the bill yourself and claim this back IMPORTANT; it is imperative that you contact the 24 hour emergency services before any claim to ensure that you are covered.

24 HOUR EMERGENCY ASSISTANCE CONTACT DETAILS
This important information is shown on your Emergency Assistance Card and also at the bottom of your Travel Insurance Certificate both of which will be issued to you when you arrange your policy with us

How do I make a claim (other than for Emergency Medical Assistance)?

FOR CLAIMS: Please visit https://www.globelink.co.uk/make-a-claim and ensure you select the correct Claims service for your Policy Issue date. When contacting the claims handler, please have the following information to hand.

  • Name of your policy (Scheme)
  • Certificate number
  • Resort and country visited
  • Value of the claim
  • Brief circumstances
  • Travel dates
  • Incident date

Condition: Failure to have the above information at hand, may result in your claim being delayed.

Am I covered for Emergency Repatriation?

The cover under the policy includes the cost of return to your country of residence within the European Union of an injured or sick Insured by air ambulance or other medically appropriate means where, in the opinion of the Insurers medical advisers, such return is medically necessary. Additional cover for clients who hold Australian, New Zealand or South African passports can be arranged for an additional premium. Prior authorisation by 24 Hours Emergency Assistance must be obtained.

How do I contact Globelink International?

Email: globelink@globelink.co.uk
Telephone: +44 (0) 1353 699082
Post:
Globelink International Travel Insurance Consultants Ltd Alpi House Suite 2, East Wing, 2nd Floor Miles Gray Road Basildon, Essex SS14 3HJ United Kingdom

Which countries can I travel to with my insurance?

Geographical Limits - Area Definitions

What does Winter Sports insurance normally cover?

This cover is only applicable if the winter sports premium has been paid/or if you have an Annual Multi Trip policy with an individual trip duration of 45 days whereby Winter Sports cover is free.

  1. Your ski equipment is insured up to the cover levels as shown on your policy for loss, damaged or if stolen. Please note that having your skis stolen from outside a restaurant will not be covered. This is known as ‘unattended’ equipment and would not be covered unless specified in the policy terms and conditions.
  2. If you skis are damaged you may be able to claim up to the amounts described in the policy. Please note the single item limit, a pair of skis is one item and this also applies to a snowboard and bindings.
  3. If your own ski equipment is lost or damaged you will be covered to hire ski equipment up to the value shown in the schedule of cover.
  4. Your ski pack will be insured up to the limits of the policy schedule for the proportionate value of any ski pass, ski hire or tuition fee necessarily unused due to your accident or sickness or the loss or theft of your ski pass.
  5. Piste closure is only available between 1st January and 31st March, if there is a lack of snow in your resort.
  6. In the event that, due to lack of snow fall or adverse weather in the pre-booked winter sports resort between the months of January, February, March and no alternative being available, you are not allowed to ski for a period in excess of 12 hours, the Insurer will pay the benefit as shown in the Schedule of Cover for each full 24 hour period in which you are unable to ski, up to the maximum as shown in the Schedule of Cover.

Am I covered to Ski off Piste?

Yes. Provided you are on a recognised off-piste run and not skiing or snowboarding against local recommendations or warnings.

How do I make a booking?

You can book online, simply follow the instructions and you will be able to print your policy immediately.
Alternatively, call us on 00 44 (0) 1353 699082. and we will take the details from you.

Can non-UK residents purchase your travel insurance?

Yes. Our policies are available to residents of all EU countries. We also provide cover for Australian, New Zealand and South African passport holders who are temporary residents in EU countries.

What do I do if I have a pre-existing medical condition?

We provide detailed instructions on what to do on the Pre-existing Medical Conditions page, so please read these carefully. You will see that there are certain No Screen Conditions that are covered as standard if you can comply with the terms specified on the Pre-existing Medical Conditions page. If you are aware of a Pre-existing Medical Conditions, you have two options:

  1. You can arrange cover with standard terms and accept that anything related to the pre-existing medical condition/s is excluded. OR,
  2. If you require cover for a pre-existing medical condition: call the Medical Screening Service who will advise whether your pre-existing medical condition can be covered, whether there will be an additional premium to pay, or changes to the policy terms and conditions (ASUA Screening customer helpline: +44 (0) 203 327 0556, Quote: Globelink).

What will happen when you call International Medical Screening? Our trained operators will ask you a few simple questions about your intended holiday and the medical condiition. You will be advised as to whether your Pre-existing Medical Condition can be covered, whether there will be an additional premium to pay or any changes to the policy terms and conditions. This quotation is valid for 14 days from the date given. If cover can be provided, you will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover. Please read this letter carefully and keep it with your insurance documents as it confirms the terms of the cover. Please note that cover is not effective until you are in receipt of this letter. For advice & assistance or if you are in any doubt, please contact:
International Medical Screening by telephone on +44 (0) 203 327 0556 Quote Reference: Globelink

What is the situation if I discover I am pregnant before travelling?

Pregnancy, without any directly related bodily injury, illness, disease or complication is NOT insured by this policy. This insurance is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth and pregnancy would not constitute an unforeseen event or illness. If after taking out this insurance you discover you are pregnant and will be travelling we will insure you under Section A - Cancellation provided you cancel your trip within 14 days of becoming aware of the pregnancy term. Should you not wish to cancel the trip we will refund your premium provided you have not already travelled or made a claim.

What happens if my flight is delayed beyond the insurance period?

If your flight is delayed on the homeward journey and you do not get back into the country until after your policy has expired your cover will continue until you reach home.

What is the maximum length of any one trip I can take on an annual multi-trip policy?

Our annual policies can cover for trips of 17, 31, 45, 60, 90 or 120 days duration on any single trip. Policies with trip durations of 45 days or more, will also allow 17 days winter Sports activities free of charge.

Can people with an annual multi trip travel independently?

Adults can travel independently but children must travel with one of the insured adults.

What do I do if I am travelling with valuables?

Valuables are covered under the baggage. Depending on the level of cover you have purchased, there is a limit to the amount that you can claim. Limits are for your valuables in total and also for single items. If you require a higher limit for personal property or valuables, we can arrange additional cover. However, you should check on your Home Insurance to see if it will cover your personal belongings whilst out of the country.

Can I cancel my travel insurance?

You have a right to cancel up to 14 days from the date you receive the policy document at the start of your insurance provided that you have not travelled, (or in the case of Single Trip policies, cover has not already commenced), and no claim under this policy has been made. To cancel your policy, please contact Globelink International on globelink@globelink.co.uk, or at Alpi House, Suite 2, East Wing, 2nd Floor, Miles Gray Road, Basildon, Essex, SS14 3HJ. We reserve the right to make a charge to cover any administrative costs. There is no refund for cancellation after this period has expired, or for early return.

When can I book Insurance?

It is best to book your insurance as soon as you have booked and paid for your holiday. This will then give you cancellation cover should you not be able to travel due to a medical emergency or other circumstances beyond your control. If you are booking for a single trip you will be covered automatically for cancellation from the day you booked and paid for your policy. If you are taking an Annual Multi Trip policy then your cancellation cover does not come into effect until your policy starts. If you have booked and paid for a trip it is advisable to start your policy the same day that you purchase it.

How long can I travel for on a Backpacker policy?

You can be covered for up to 15 months out of the country on a single trip. Cover can be extended whilst out of the country up to a maximum of 18 months in total. Cover ceases when you return to the UK (or arrive in your home country in the event of a one way trip) and the policy becomes invalid.

Can I travel on a one-way ticket?

Yes. We provide cover for a one way journey on the condition that all insurance cover ceases 72 hours after the time you first leave the immigration control of your final destination country, or at the expiry date of your insurance whichever is the sooner. The final destination country will be treated as your home area and cover under this insurance will be applied accordingly.

One of my family is ill, am I covered for cancellation?

You are covered up to the sums insured for unavoidable cancellation due to the death, disablement or illness of an immediate relative or any person you are intending to travel with, provided you were not aware of this at the time of arranging your insurance. However, you will only be insured for unexpected events.

I am an EU resident, already abroad, am I able to book insurance?

Yes. We are able to provide cover subject to a no claims declaration. For more information please visit This page.

Can I extend my cover whilst I am away?

Yes. You must either purchase another policy online, or contact us on +44 (0) 1353 699082 or by email: to globelink@globelink.co.uk. But, you must arrange the additional cover before the original policy expires as a gap in cover is not permitted.

Can I work while I am abroad?

Yes. You can work in either non manual employment or manual work using hand held tools only and at ground level. Any other type of work must be referred to us with full information for the insurer's consideration.

If I have an accident or injury whilst skiing, will I be covered for mountain rescue?

Helicopter rescue is available but only if deemed medically necessary by the treating paramedic and if the area is able to accommodate the landing of a helicopter.

If I am taken ill onboard a cruise ship am I covered to be airlifted to hospital?

If there is an immediate need for a rescue helicopter it will be called either from the ship or through the Emergency Services.

I have a medical condition but I am unsure whether to declare it?

If you are unsure, it is better to call the medical screening for advice. Failure to declare a pre-existing condition could invalidate certain parts of your policy.

Will my policy cover me if my trip is cancelled due to terrorist activity?

This depends on the cover you select. Comprehensive and Annual Multi Trip Policies provide cover under Section S3 Trip Disruption (Force Majeure) including acts of terrorism. The remainder of the Policy excludes acts of terrorism, however, this exclusion does not apply to claims arising under Section B – Emergency medical, repatriation and other expenses, Section B1 – Hospital confinement benefit and Section C – Personal accident, will also cover unless such losses are caused by nuclear, chemical or biological attack, an insured person’s participation in active war, or the disturbances were already taking place at the beginning of any trip.

I am in the military, am I covered if I am called for duty?

Yes. Our policy covers Cancellation or curtailment as a result of your posting overseas or emergency and unavoidable requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.

Can I purchase travel insurance if I am at the airport?

Yes. As long as you have not boarded the aircraft you can take out a Globelink policy. If you have already left your country of residence and started your trip you can still take out an Already Travelling Globelink Policy. Select ‘Already Travelling’ as your ‘Type of Policy’ on the home page.

I have made my own travel arrangements, not on a package; can I still take out insurance?

Yes, it does not matter what your travel arrangements are.

Am I covered whilst riding a motorcycle?

You are covered to ride a motorcycle up to 250cc if qualified in your home country, subject to medical excess increased to £100 and Personal Accident and Personal Liability excluded from cover: We may agree to cover you whilst riding your own motorcycle up to 1000cc in Europe upon your telephone application.

Can children be insured if travelling alone?

We cannot issue a policy for a child under 16 travelling alone. Children over 16 can purchase a Single Trip Policy to travel independently. Children under 16 who are already insured on a Globelink Annual Multi Trip family Policy are only insured when travelling with one or both of the insured adults (or accompanied by another responsible adult).

Can I pay an excess waiver premium?

When you arrange cover online, you can select to pay an extra premium to delete the excess on your policy.

Can I upgrade my Europe policy to Worldwide?

Not usually once you have commenced your journey, but we will do our very best to assist wherever possible, so please call our UK team on +44 (0) 1353 699082.

Do annual policies cover travel in my home country within the European Union?

You are covered for travel within your home country withing the EU as long as you are away from home for at least 2 nights in pre-booked accommodation. There is no cover for medical expenses arising in your home country.

Is IPT included in the policy price?

All our policy prices are quoted inclusive of Insurance Premium Tax.

Is the cover per person or per policy?

All prices quoted are per policy and cover levels are per person.

What do I do if I have my passport stolen?

Your policy will cover loss of passport whilst out of the country. Passport replacement will require a trip to the Consulate and may involve travel and accommodation costs.

What activities are covered by my insurance policy?

The following activities are included within the cover as standard, as long as they are amateur activities, conducted under adequate supervision and on an incidental basis. Amateur Athletics, Archery, Badminton, Banana Boating*, Baseball, Basketball, Beach Games, Black Water Rafting (Grade 3), Blade Skating, Body Boarding, Bowls, Bungee Jumping (Max 3 Jumps)**, Canoeing, Clay Pigeon Shooting **, Cricket, Cycling (On Road), Deep Sea Fishing, Dinghy Sailing, Fell Running/Walking, Fencing *, Falconry**, Fishing, Football (Amateur), Go Karting *, Golf, Hiking Under 2,500m, Horse Riding **, Kayaking *, Lacrosse, Lapland Activates (Husky/Reindeer Ride, Snowmobile *, Sledging* Short Day Trips) Excludes Bobsleighs, Marathon Running, Netball, Non Manual Occupations Inc Voluntary work*, Orienteering, Parascending Over Water Only**, Pony Trekking**, Racket Ball, Rambling, River Canoeing *, Roller Blading, Roller Skating, Rounders, Rowing *, Safari Trekking (Organised Tours Only)**, Sail Boarding *, Sailing *, Scuba Diving (Max 30m), Skate Boarding, Snorkelling, Squash, Surfing *, Tennis, Tree Canopy Walking, Track Events, Trekking, Triathlon, Volley Ball, Voluntary Work*, Water Polo, White Water Rafting (Grade 3) *, Windsurfing/Sailboarding *, Yachting *, Zip lining.
 
* No Personal Liability cover.

The following activities are also included without the need for you to pay an additional premium subject to medical excess increased to £100 and Personal Accident and Personal Liability excluded from cover:
Abseiling, BMX Riding, Camel Riding, Catamaran Sailing, Gymnastics, Heptathlon, Hot Air Ballooning, Judo, Jet Boating, Jet Skiing, Karate, Kung Fu, Martial Arts, Motorcycling (Max 250cc), Manual Occupations Inc Voluntary Work *, Street Hockey, War Games/Paint Balling, Water Skiing.
Category 3 and Category 4 activities can be included for an extra premium.

Brexit: is my policy still valid now Britain won’t be in the EU?

In June 2016 Britain voted to leave the EU, but your policy remains valid and in force and you can purchase a new policy or renew as normal.

What if my travel is booked with Monarch?

Please visit the CAA website for guidance https://monarch.caa.co.uk/. Also click here for Claims information.

What if my travel is booked with Cobalt?

Click here for the latest guidance if you have purchased a Globelink Comprehensive or Annual Multi Trip Policy.

What if my travel is booked with Thomas Cook?

Click here for the latest guidance if you have purchased a Globelink Comprehensive or Annual Multi Trip Policy.

If you have any other question and think it might be helpful to our clients, please suggest it via the Contact Us form.

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