Travel Insurance FAQs

Travel insurance is your safety net while exploring the world. 

It protects you financially from unexpected events like trip cancellations, medical emergencies, lost baggage, and more. 

Without it, a simple mishap could lead to significant costs, especially abroad, where expenses can quickly add up. Think of it as peace of mind for your travels.

A standard travel insurance policy usually includes:

• Medical expenses for injuries or illnesses abroad.
• Trip cancellations or interruptions.
• Lost, stolen, or damaged baggage and personal belongings.
• Travel delays or missed departures.
• Emergency medical evacuation or repatriation.

Specific coverage may vary, so always check the details of your policy.

While travel insurance covers many situations, there are common exclusions, such as:

• Pre-existing medical conditions (unless declared and approved).
• Reckless or illegal activities.
• Participation in high-risk sports or adventures without proper coverage.
• Travel to regions under government advisories.
• Expenses due to neglecting to follow policy requirements (e.g., not filing a police report for stolen items).

Always review your policy to understand what’s excluded.

Yes, many providers, including Rise & Shield, offer travel insurance for those who are already abroad.

However, there may be limitations on coverage, so it’s best to get insured before departure to maximise your benefits.

Choosing the right policy depends on your needs. Consider these factors:

• Destination: Ensure your policy covers the countries you’re visiting.
• Activities: If you’re planning adventure sports or activities, make sure they’re included.
• Duration: Check whether the policy covers the entire length of your trip.
• Medical Coverage: Opt for policies with sufficient coverage for healthcare expenses abroad.
• Value for Money: Compare premiums and benefits to find the best fit.

At Rise & Shield, we have an intelligent quote system that’ll walk you through the process. By answering a few simple questions, you can quickly get matched with the perfect policy. 

If you're still unsure, our team at Rise & Shield is happy to help you find the perfect plan.

• Single-Trip Insurance: This covers you for one trip, starting and ending on specific dates. It’s ideal for occasional travellers or one-off adventures.
• Annual Multi-Trip Insurance: This provides coverage for multiple trips throughout the year, with each trip covered up to a maximum duration (e.g., 31 or 45 days per trip). It’s perfect for frequent travellers looking for convenience and cost savings.

Choose the option that best suits your travel habits and needs.

Pre-existing conditions are typically not covered unless declared and approved by the insurer. 

When applying for your policy, you’ll need to provide details of any medical conditions. 

Depending on the condition and its stability, additional coverage may be available for an extra premium. Be upfront during the application process to avoid denied claims later.

An “excess” is the amount you agree to pay out of pocket before your insurer covers the rest of the claim. 

For example, if your claim is for £500 and your excess is £100, you’ll receive £400 from your insurer. 

Policies with higher excess amounts often have lower premiums, but it’s important to choose an amount you’re comfortable with.

Yes! If your travel plans change or you decide to include specific adventure activities or add-ons (e.g., winter sports, high-value items, or adventure coverage), you can upgrade your policy. 

Upgrades must usually be made before your trip begins, so review your plans early and contact our team to adjust your policy accordingly.

Making a claim is simple:

1. Download the appropriate claim form from our Claims Page.
2. Complete the form with accurate details.
3. Attach all required supporting documents.
4. Email everything to us at claims@riseandshield.com with your policy number and claim type in the subject line (e.g., “Policy #RS/SS/WS11339  – Medical Claim”).

If you need assistance, our friendly Claims Support Team is here to guide you every step of the way.

The documents required depend on the type of claim. Here’s a general guide:

• Medical Claims: Medical bills, receipts, and reports.
• Trip Cancellation: Proof of payment and documents explaining the reason for cancellation (e.g., medical certificate).
• Lost or Stolen Items: Police report and receipts or proof of ownership.
• Travel Delay: Confirmation from the transport provider and receipts for additional expenses.

Check the detailed requirements on our Claims Page for your specific claim type.

We aim to process claims within 7 business days after receiving all required documentation. 

Processing times may vary based on claim complexity, but rest assured we’ll keep you updated throughout the process.

If your claim is denied, we’ll provide a detailed explanation outlining why. Common reasons include missing documentation or the incident not being covered by your policy. 

Yes, our policies include coverage for 99 adventure activities as standard. These can include activities like skiing, bungee jumping, horseback riding, and more. 

However, certain high-risk activities may require additional coverage. Check your policy details or contact us to confirm if your planned adventures are included.

Yes, we offer coverage for flight delays or cancellations under certain conditions.

• Flight Delays: You may be reimbursed for additional expenses like meals or accommodations incurred due to a significant delay.
• Cancellations: If you need to cancel your trip due to covered reasons like illness or emergencies, you may be eligible for reimbursement of non-refundable costs.

Make sure to keep receipts and documents from your airline or transport provider for your claim.

Losing your passport can be stressful, but we’re here to help. Our policy covers the costs of obtaining a replacement passport or emergency travel documents. 

Simply file a police report within 24 hours of the loss, keep any receipts for related expenses, and submit them along with your claim.

In the event of a medical emergency:

1. Seek immediate help: Go to the nearest hospital or medical facility for assistance.
2. Contact our Emergency Assistance Team: Call the 24/7 helpline provided in your policy documents. They’ll guide you through the next steps, including arranging payment where applicable.
3. Keep records: Collect all medical bills, receipts, and reports for your claim.

Our multilingual team is always ready to support you, no matter where you are.

If you need assistance while abroad, you can:

• Call our 24/7 Emergency Assistance Team: The number is listed on your policy documents.
• Email us: Reach out to info@riseandshield.com for non-urgent queries.

We’re just a call or click away, ready to help with claims, emergencies, or questions.

Yes, our policies include coverage for emergency repatriation if medically necessary. 

This includes arranging transportation back to your home country for further treatment in severe cases.

Our Emergency Assistance Team will coordinate everything, from liaising with medical providers to arranging suitable transport.

Make sure to contact us as soon as possible so we can manage the process effectively and minimise stress.

Paying for your Rise & Shield policy is quick and simple:

• Online: Use our secure payment system to pay via credit or debit card when purchasing your policy.
• Accepted Cards: We accept all major credit and debit cards.
• Instant Confirmation: Once your payment is processed, you’ll receive an email with your policy documents and confirmation.

Yes, you can cancel your policy and may be eligible for a refund, depending on the timing:

• Cooling-Off Period: If you cancel within 14 days of purchasing your policy and haven’t traveled or made a claim, you’re entitled to a full refund.
• Outside the Cooling-Off Period: Refunds may not be available after 14 days, but contact us to discuss your options.