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IMPORTANT BEFORE YOU BUY

It is essential that you check the latest FCDO advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.

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• Extra Cover
• Your Details

Step 1: Your Trip

All fields marked with * must be completed. All prices include Insurance Premium Tax (IPT)

Please take care to answer all the questions accurately and completely. If you don't, we may cancel your policy and we may reject any claims, or not pay them in full.

Which policy is best for you?

Leisure provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy.

Add-ons are also available: Gadget, Cruise, Rental vehicle excess waiver, Golf, Pet care, Wedding and civil partnership ceremony and Business travel.

Medi-Care provides the same cover as our Leisure product plus it can provide cover for pre-existing medical conditions (subject to screening).

Winter Sports provides cover for a single trip of up to 276 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in winter sports during your trip.

Backpacker provides long stay single trip cover for trips of up to 18 months.

Cycle and Triathlon provides cover for a single trip of up to 90 days or for any number of trips of up to 31 days per trip on an Annual multi-trip policy if you will be taking part in cycling activities or an amateur triathlon during your trip. Cover for theft or damage to your bicycle is included.

Winter Seasonnaire provides cover for a ski season of up to 12 months whilst working in a ski resort.

Winter Seasonnaire - staff provides cover for a ski season of up to 12 months whilst working in a ski resort where your employer already provides you with insurance for Emergency Medical and Repatriation expenses whilst at work and during leisure time as this policy will only provide up to £5,000 of cover.

Winter Sports

Cycle and Triathlon

Winter Seasonnaire

Winter Seasonnaire - Staff

Single trip provides cover for one specific trip

Annual multi - trip provides cover if you intend to take several trips in one year.

Destination(s)

For single trip tell us the specific country or countries where you will be travelling.

For annual multi - trip you must select which region you will be travelling to ensuring this will cover you for all the countries you plan to visit. If you are unsure which region your destination(s) falls in, please check the country list within the policy wording.

Single Trip

Annual Multi Trip

Europe including UK

Worldwide exc US, Canada, Mexico and the Caribbean

Worldwide inc US, Canada, Mexico and the Caribbean

Important: For Annual multi trip policies you will not be covered for travel cancellation until your policy start date. Please choose today's date if you want cover as soon as possible.

Please select the number of travellers, you will then see a field for each traveller's date of birth.

Individual is one person who is 18 years of age or older.

Couple is you and your spouse, including a civil partner or co-habitee.

Family is a maximum of two adults (aged 18 or over) can be covered by a Family policy. You, your spouse (including civil partner or co-habitee) and up to 5 of your children aged 17 years and under (at the time of purchase). In this description 'children' includes children, step-children, adopted children, foster children and grandchildren.

Group is a group of individuals travelling together, who may not be related and can be up to 7 people in total.

Individual(s)

Medical exclusions

If you or anyone to be insured on this policy answer Yes to any of the following questions (1 to 4), we will not be able to provide a quote or issue a policy:

• should have sought medical advice?
• is under investigation?
• is on a waiting list to undergo investigation?
• is waiting for test results?
• has been given a terminal prognosis?
• Is any person to be insured on this policy suffering from a medical condition which he/she knows will require medical treatment during an insured journey?
• Is any person to be insured on this policy intending to travel to get medical treatment abroad?
• Has any person to be insured on this policy at any time during the last five years been treated for alcohol or drug addiction?

Please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.

Pre-existing conditions to declare

If you or anyone to be insured on this policy answer Yes to any of the following questions (5 to 8), you must declare your pre-existing medical condition(s) to us:

• Is any person to be insured on this policy suffering from a psychiatric or psychological condition?
• a cardiovascular or heart-related condition such as a heart attack, angina, chest pain or hypertension?
• a lung or respiratory-related condition (not including stable, well-controlled asthma if there is no other medical condition)?
• any form of cancer whether in remission or not?
• a cerebro-vascular condition such as a stroke or T.I.A. (transient ischaemic attack)?
• a renal condition or diabetes?
• is being prescribed regular medication?
• is receiving treatment of any kind?
• is on a waiting list for inpatient hospital treatment?
• has required an organ transplant or required dialysis?
• Is suffering from a medical condition which could reasonably be expected to give rise to a claim?

Please declare any pre-existing medical conditions that you or anyone travelling on this policy have. By answering the medical declaration questions, you confirm you have the authority and will provide complete and accurate medical information about everyone to be covered. If you are unsure of any answers, please contact the person(s) on whose behalf you are answering. If you don't declare pre-existing medical conditions, it may result in part or all of a claim not being paid.

By pre-existing medical conditions we mean:

Any condition, for which you should have sought medical advice, which is under investigation or you are on a waiting list or you are waiting for test results.

You have been given a terminal prognosis.

Any condition which you know will require medical treatment during an insured journey.

You intend to get medical treatment abroad.

You have been treated for alcohol or drug addiction in the last five years.

Any psychiatric or psychological condition.

Any cardiovascular or heart -related condition such as a heart attack, angina, chest pain or hypertension, any lung or respiratory -related condition, any form of cancer, any cerebro - vascular condition such as a stroke or T.I.A. (transient ischaemic attack), any renal condition or diabetes.

Any condition for which, in the last 12 months, you have been prescribed or are on regular medication, received treatment of any kind, required an organ transplant or dialysis.

Any condition which could reasonably be expected to give rise to a claim.

For full details of what is considered a pre-existing medical condition, please click here .

Please note that the Backpacker, Cycle and Triathlon, Seasonnaire and Winter Sports products do not cover pre-existing medical conditions. If you declare any pre-existing medical conditions to us, we will provide you with a quote for the Medi-Care product. Please make sure that this product meets your needs.

Do you have any pre-existing medical conditions to declare?

• Terms of Business

01403 788 513

Our team are here to help: Monday to Friday 9am-5pm

Telephone calls may be recorded for security purposes under our quality control procedures. Calls are charged at local rates from landlines and mobiles.

Discover the ERGO Travel and Care App

ERV travel & care: Your mobile partner for safe travels!

By clicking the ‘Show prices’ button you are confirming that you have read, understand and meet our eligibility conditions.

Eligibility Conditions:

• you are 18 years of age or over at the date of buying the Policy
• you and all persons to be insured have an address in the United Kingdom, Channel Islands or the Isle of Man; and
• you and all persons to be insured have lived in the United Kingdom, Channel Islands or the Isle of Man for at least 6 of the last 12 months; and
• you and all persons to be insured are registered with a GP in the United Kingdom, Channel Islands or the Isle of Man
• you and all persons to be insured are in the United Kingdom, Channel Islands or the Isle of Man when the policy is purchased and have not started a trip.

By clicking the ‘Continue’ button you are confirming that you have read, understood, agree with and meet the above Eligibility Conditions and Statements.

If you are a non-UK resident or have already departed on your trip, please call 0370 950 1790 or visit the BIBA website at www.BIBA.org.uk where you will find a list of alternative providers that may be able to provide cover.

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Every journey starts from home and the ultimate goal of a trip is to come back safely. ERGO’s travel insurance is the only kind where you do not need to have extra funds available for unexpected occurrences. 

As of 16 June 2020, we will also cover expenses related to the cancellation or interruption of trips within Estonia. If you would like your trips within Estonia to be insured, choose the travel disruption cover.

NB! To sign a contract on behalf of a business customer, your name must be listed on the company's B card.

When does travel insurance help?

• Health insurance covers the essential costs of treatment and medical examinations if you fall ill, your chronic disease exacerbates or you are involved in an accident. ERGO’s travel insurance makes sure that you get the treatment you need and, if necessary, brings you back home. The European Health Insurance Card may come in handy in EU countries; however, it does not cover all costs.
• In the case of a trip cancellation , we will compensate you for the cost of unused tickets and services. The trip cancellation cover is useful should you fall ill before a trip or if a concert or conference unexpectedly does not take place. We suggest that you should buy insurance within 24 hours after paying for your travel fare so that you are protected from the onset. If you buy insurance at a later date, you will be subject to a 72-hour waiting period.
• In the case of a trip disruption , we make sure that you reach your next destination or back home. A trip may be disrupted when, for instance, the flight you chose is later and you miss the onward flight. We offer you twice the amount of the trip cancellation cover since last-minute tickets are often more expensive and changes in the travel plan more costly.
• Baggage insurance compensates for damage caused by theft, loss, late arrival of or damage to your baggage or delay in the connecting point or destination. If you need to buy basic necessities because your baggage is late, we will compensate their cost to the extent of 25% of the baggage insurance amount. 

A detailed overview of insurance coverages can be found here .

When does travel insurance not help?

• You should sign a travel insurance contract straight after paying for your tickets. If you buy insurance at a later date, you will be subject to a 72-hour waiting period for travel disruption cover.
• Before you leave check out the travel information of the Ministry of Foreign Affairs to find out which countries it is safe to travel to. Insurance does not cover costs incurred due to civil disturbances or warfare.
• You should also take care and allow sufficient time to reach the airport and pass through security checks. For instance, you should take into account that the likelihood of getting stuck in a traffic jam is greater during rush hour. We will only be of help to you if you miss the plane due to a traffic accident or another unforeseen event.
• If you handle purchasing the tickets yourself, you should make sure that the connecting flight is from the same terminal and airport. Calculate how much time you should allow for transit to make it to the onward flight. This information is usually available on the homepage of the airport.
• Travel insurance does not protect your home assets. Make sure that your home and assets are covered while you are away. 

Do you need help?

We will be able to help you in the best possible way, provided that you promptly let us know about your problem. Please store the ERGO Travel Assistant phone number +372 633 3746, which operates round the clock. This line offers help in English. For instance, we will buy new tickets for you should you unexpectedly need to return home, or help you find medical assistance.

Your insurance policy specifies:

• insurance covers and amounts;
• insurance period that needs to be at least as long as the trip;
• amount of the insurance premium;
• ERGO’s contact data and those of Travel Assistance.

What should you know about the e-office?

• When you operate via the e-office, make sure that your information is accurate and complete.
• You can view the terms and conditions of insurance and policies in the e-office.
• You can see the final cost of insurance in the e-office.
• In the e-office, you get your insurance policy, which does not need to be signed. You have entered into the contract when you are directed from the e-office to the Internet bank. As you enter the Internet bank, you became liable for payment.
• ERGO will keep all your insurance contracts until the end of the limitation period.
• We do not terminate insurance contracts before the term, except for in cases where there are exceptional grounds for this under law or the insurance contract itself.
• You may withdraw from a contract entered into via the e-office without naming the reason, within 14 days after entry into the contract. You can send your withdrawal notice via ERGO’s web page or by e-mail to [email protected] . If you withdraw from a travel insurance contract, we will repay you the premiums for the time during which we did not have to bear insurance liability. 

Other information that you should know

• Insurance contracts are entered into pursuant to the general terms and conditions of ERGO insurance contracts and the terms and conditions of travel insurance . You can read the terms and conditions on ERGO’s web page. When entering into the insurance contract you confirm that the insurer has made the general terms and conditions and travel insurance conditions available to you, you have read them and agree to them.
• The principles of processing the personal data of customers can be found here https://www.ergo.ee/erakliendile/tasub-teada/kliendiandmete-tootlemise-pohimotted.
• Estonian legislation shall be applied to the Insurance Contract.
• If you want to send a complaint to ERGO, please e-mail it to [email protected] .
• You may turn to a conciliation body at the Estonian Insurance Association to settle a dispute with the insurer. Before a conciliation procedure, the claim in the disputed matter shall be submitted to the insurer and the insurer must be provided with an opportunity to reply to the claim. Additional information is available on the Estonian Insurance Association’s website www.eksl.ee .
• Any disputes arising from insurance contracts, including disputes concerning which no agreement is reached at an insurance conciliation body, shall be settled at Harju County Court.
• You are entitled to submit a complaint with the Financial Supervision Authority (Sakala 4, Tallinn) to protect your interests.

Insurer is ERGO Insurance SE, registry code 10017013

Address A.H. Tammsaare tee 47, Tallinn

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ERGO Life insurance+

It is like a puzzle, the pieces of which you can put together your sense of security. You decide what the whole picture of your health is. Read more

• About Ergo: Travel
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• Secret Tuscany (Spring 2025)
• Magnificent Italy (Nov-Dec 2024)
• Emilia-Romagna (Autumn 2024)
• Veneto 2.0 (Autumn 2023)
• The Dolomites (Summer 2023)
• Naples & the Amalfi Coast (Spring 2023)
• Classic Italy on your own (customisable)
• RESPONSIBLE TOURISM

We love the opportunity to address any questions about visiting Italy and about what Ergo: Travel can do to help do this. Please also feel free to contact us by filling up the form, or by e-mail, phone or mail using the information found on this page. We will respond to you just as quickly as we possibly can.

If you would like some practical information on visiting Italy, you can also look through our Frequently Asked Questions .

Contact Form

You can also e-mail us directly at [email protected].

Or telephone us 3157-1335 (yes, it really does start with a "3") Mon-Fri: 9:30am to 6pm Saturday: 9:30am to 12 noon

Travel Agencies, Hotels and Tour Operators

We welcome opportunities for collaboration. If you would like to work with us please contact us by clicking here .

Saremo lieti di collaborare con alberghi e operatori turistici in Italia. Cliccate qui per ulteriori informazioni.

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• Optional extras

What travel insurance do we offer and how do I make a claim?

Trainline Ticket Cancellation Insurance provides you cover for unforeseen circumstances affecting your trip. The insurance is available for travel by train starting from within the United Kingdom.

Included in cover

• injury or illness; or
• summoned as a member of jury service, or witness in a court of law; or 
• being made redundant; or 
• being called up as a member of the armed forces 
• your home becoming uninhabitable or requiring immediate repair following fire, storm or flood 
• your presence being required by the emergency services
• failure in public transport due to strike or industrial action, adverse weather conditions, mechanical failure or direct involvement in accident; or
• your motor vehicle being involved in an accident or breaking down; or
• delay due to traffic or road closures.
• failure in public transport due to strike or industrial action, adverse weather conditions, mechanical failure or direct involvement in accident
• strike or industrial action, adverse weather conditions, mechanical failure or direct involvement in accident.
• Accidental damage to or loss or theft of personal effects (not including gadgets), personal money or travel documents. 

Details of policy limits, conditions and exclusions can be found in the policy wording and IPID e-mailed to you as part of the insurance policy purchase. 

As part of the claims process ERGO will ask for some documentation to assist their claim handlers review the claim. To find information on what documentation may be requested please click here . This list is not exhaustive and ERGO may ask for additional documentation. 

For policies with a policy number beginning with ERG the insurance is underwritten by ERGO Travel Insurance Services Ltd. For all other policy numbers the insurance is underwritten by ETI- International Travel Protection. 

You may be able to cancel or amend your ticket through Trainline if you are unable to travel for a reason not covered by the insurance policy. Please click here to see if you can amend or cancel the train ticket through Trainline. 

Cancelling your policy

If the policy does not meet your requirements, you may cancel it within 14 days of issue provided you have not started a trip, made or intend to make a claim. We will cancel the policy and refund your premium in full. The right to cancel during a cooling-off period does not apply to a policy that last less than a month. To cancel your policy, you can contact us . 

Making a claim

Before making a claim, please check with Trainline whether the ticket can be amended or cancelled. 

To make a claim please contact ERGO, you'll need your policy number so please make sure you have this handy before getting in touch. You'll find it in the policy document attached to the email you received from ‘Trainline - Travel Insurance’.

The easiest way to make a claim is online. In the policy confirmation email from ‘Trainline – Travel Insurance’ there is a link to the online claims journey. Alternatively, you can click here or call +44 (0) 1403 286 536 (Monday – Friday 09:00 – 17:00) or download a claim form from ERGO website by clicking here . 

How to get in touch

Call +44 (0) 1403 286 536 (Monday – Friday 09:00 – 17:00)

Trainline.com Limited is an Appointed Representative of Insurance Administration Services Limited who is authorised and regulated by the Financial Conduct Authority under Financial Conduct Authority Register reference 307309. This can be checked on the financial services register held on the Financial Conduct Authority’s website ( www.fca.org.uk ).

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