Everybody loves a holiday – but it can turn into a complete disaster if you haven’t got the correct travel insurance in place before your set off.

The main section for any travel insurance cover has to be the Medical Cover, a minor injury abroad can set you back £100’s , a major injury can result in £1,000’s . If you or a loved one needed to be flown home by air ambulance following a major accident, without the proper travel insurance in place, you would be looking at having to find over £20,000.

Travel Insurance is relatively cheap when compared to what could happen abroad.

Owen & Ewing are the areas’ leading travel insurance providers. We have various options available:

  • Single or Multi Trip Cover
  • Family Policies
  • Annual Policies – covering multi trips throughout the year.
  • Sports Activity Holidays
  • Adventure Holidays

Pre-Existing Illness/ Injury

BE AWARE – The standard holiday insurance will exclude medical cover that has anything to do with pre-existing illnesses or injuries.

If you are suffering from a pre-existing illness or are taking any form of medicines, tablets, or have visited a hospital as an in or out patient or seen a consultant in the last 12 months, then you MUST declare this to your travel insurance providers.

In most cases, insurers will note the facts and continue to provide full cover as normal, or depending on circumstances they may make a small additional charge to include full medical cover etc.

Please feel free to talk to our qualified travel insurance team, who will discuss your needs. All information is treated as fully private and confidential.

Business Travel

We can also arrange a specialised package of travel cover for individuals traveling on business or a group policy for companies who send employees on business trips abroad. These polices can include cover for both business and pleasure trips, and can also include family members traveling with them.

Important Information for Customers with Pre-existing Medical Conditions

We are obliged to inform you of how to improve your access to travel insurance policies that includes cover for more serious medical conditions.
The following factors would determine when this information is relevant to you:

• You have not been offered, or we/the insurer, have declined a quotation wholly or partly due to a medical condition
• Your policy has been cancelled, wholly or partly, due to a medical condition
• You have been offered a policy with a medical condition exclusion, which cannot be removed from the policy
• You have been offered a policy with a medical condition premium of £100 or more
• You have been offered a policy in respect of which the medical condition premium is not known.

We would like to provide you with details of a ‘Medical Cover Firm Directory’, which is a publicly available directory that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed so you can make an informed initial choice about which provider might meet your needs.
Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:

• Is willing to offer cover for your condition
• Is willing to offer cover for your condition without specific exclusions
• Is willing to offer cover for your condition at a more affordable price.

The Money and Pensions Service (MaPS) has launched a travel insurance directory on its Money Advice Service website which can be accessed here:

Consumer enquires about the directory can be made to the Money Advice Service’s Customer Contact Centre, which is available Monday to Friday, 8am to 6pm using the details below:

Telephone – 0800 138 7777
Email –
Address – The Money Advice Service, Holborn Centre, 120 Holborn, London, EC1N 2TD

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