Travel insurance

Working with Campbell Irvine to provide you with competitive single and annual multi-trip insurance.

Travel Insurance is mandatory for everyone travelling on our holidays

Whilst you hopefully won't have to make a claim, travel insurance is there to protect you in the event that something goes wrong - it can cover you for medical costs should you need treatment abroad; if your flights are delayed and it can cover you if your possessions are stolen whilst travelling. For extra peace of mind, if you need to cancel your holiday before the departure date, cancellation charges are applicable, and you may be able to recoup your losses through your travel insurance (subject to any applicable policy excess).

UK residents

  • If you are a UK resident aged up to 75 and would like to obtain cover for your trip, please feel free to contact specialist Insurance Brokers, Campbell Irvine Direct for a quote, on 01702 427 236, or email or online at
  • If you are a UK resident aged 75 years or more, Campbell Irvine's Vital Health policy, underwritten by AXA Insurance is available and has no upper age limit. Cover can be arranged over the phone by calling Tel 01702 671 566.

Travel insurance summary of cover (Campbell Irvine Direct)

Sums insured are per insured person

A Medical Expenses £10,000,000
In Patient Benefit £10 per day up to £200
Criminal injuries £100 per day up to £5,000
B Personal Liability £2,000,000
C Personal Accident £25,000
Permanent Loss of Sight £25,000
Loss of Limb(s)£25,000 £25,000
Permanent Total Disablement £25,000
Death £10,000
D Cancellation or Curtailment £3,000*
E Delayed Departure or Arrival  
Either compensation up to £100 
OR cancellation after 8 hours up to £1,500
Hi-jack of Aircraft £100 per day up to £3,000
Interruption of Transport £300
F Personal Effects  
(Valuables limited to £350)
(Single Article limit £250)
(Disc Collections £200)
Temporary Loss of Baggage £100
Money £500
Tickets £1,000
Passport and Visas £250
G Legal Expenses £50,000

A copy of the policy wording and product information are available for download  below. The policy contains a 21 day Cooling Off Period and details of how to make a claim and who to contact in the event of a medical emergency.

Travel insurance summary of cover (Vital Health)

Sums insured are per insured person

Vital Health - Benefits

  • Cancellation sum insured up to £5,000 with a £50 policy excess
  • Single Trip only with multi policy discounts available.
  • Maximum individual trip duration up to 45 days
  • Has no upper age limit
  • Can cover up to 12 months in advance of travel
  • Cover for Mental Health issues
  • Vital Health values customers, taking the time to ensure they are fully covered for their trip
  • Not on any comparison sites
  • Option to include Winter Sports Activities

Vital Health - What we can't cover

  • Anyone on a waiting list
  • Anyone travelling against Doctor’s advice
  • Anyone travelling to obtain treatment abroad
  • Anyone who is aware of a reason that might give rise to a claim
  • Anyone who is pregnant when they are expecting to give birth within two months of the return date of your trip
  • Anyone under investigation at a hospital or clinic
  • Anyone with a medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner

Non-UK residents

If you are a non-UK resident, you can obtain a competitive insurance quote from our overseas insurance partner The Travel Insurance Center.

They can be contacted via email at or visit their website


This is only a summary of cover; full details of the cover provided are shown on your Policy Document. You will be asked to read it carefully to ensure you are happy with the cover provided which is offered on a Non-Advised basis from an individual insurer.

The policy includes certain terms conditions, exclusions and excesses. In particular cover is excluded for any defined pre-existing medical condition from which you or any person upon whom travel depends are suffering. If in doubt please contact the insurer’s medical help line on 01702 242 7237 or online at as additional cover may be purchased directly from the insurer’s medical screening help line for certain pre-exiting medical conditions.

HF Holidays is an unregulated Affiliate Introducer of Campbell Irvine Ltd. who is authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA's register by visiting the FCA's website at or by contacting them on 0800 111 6787

Travel insurance - FAQs

Am I covered if I decide to travel against FCDO advice?

There is no cover if you travel anywhere that is contrary to FCDO advice.