Gold, Platinum, or Cruise Policies issued from 01 November 2022 (underwritten by Millstream), provide protection for the following Covid-19 related risks:
*Please note, this only applies to you or anyone named on your Policy. Terms and Conditions Apply. Please see our Policy Wording for full details.
Please see the policy issue date as the level of cover may vary.
Some of our policies provide cover for COVID-19 but the level of cover may vary depending on the policy type, and the date on which your policy was issued:
For all Blue Bear policies issued prior to 17 March 2020:
For all Blue Bear policies issued from to 17 March 2020 to 9 September 2020:
Gold, Silver or Bronze policies issued between 17 March 2020 and 9 September 2020, can be upgraded at an additional charge to include cover for:
Please note the above also applies to Gold, Silver or Bronze policies with Winter Sports.
If you would like to discuss your options, please contact a member of the Customer Services Team on 0344 482 3404 or email enquiries@bluebeartravelinsurance.co.uk.
Yes. From 10th September 2020 you will be able to upgrade your existing policy by using the customer hub and following the instructions or by contacting a member of our UK based Customer Services Team by email at enquiries@bluebeartravelinsurance.co.uk or call on 0344 482 3404.
If you have purchased a Gold, Silver or Bronze Policy on or after 01 June 2021:
If you have purchased a Gold, Silver or Bronze Policy on or after 01 June 2021, your policy provides cover for you cancelling your trip should you be denied boarding at the airport on your outward journey.
Please see the policy issue date as the level of cover may vary.
Some of our policies provide cover for COVID-19 but the level of cover may vary depending on the policy type, and the date on which your policy was issued:
For all Blue Bear policies issued prior to 17 March 2020:
For all Blue Bear policies issued from to 17 March 2020 to 9 September 2020:
Gold, Silver or Bronze policies issued between 17 March 2020 and 9 September 2020, can be upgraded at an additional charge to include cover for:
Please note the above also applies to Gold, Silver or Bronze policies with Winter Sports.
If you would like to discuss your options, please contact a member of the Customer Services Team on 0344 482 3404 or email enquiries@bluebeartravelinsurance.co.uk.
Yes. From 10th September 2020 you will be able to upgrade your existing policy by using the customer hub and following the instructions or by contacting a member of our UK based Customer Services Team by email at enquiries@bluebeartravelinsurance.co.uk or call on 0344 482 3404.
No, the policy does not provide cover for local geographical quarantine. However, if you are positively diagnosed with Covid-19 and you can provide the appropriate medical evidence, your policy will provide cover for trip cancellation.
If you show symptoms of Covid-19 at the UK airport and are denied boarding, the policy will cover you for Cancellation risks if you subsequently receive a confirmed diagnosis, however, you will need to obtain the appropriate documentary evidence from your Doctor as well as the carrier to confirm you have been denied boarding and that your airline or tour operator did not reimburse you or offer alternative dates.
No cover is provided on Blue Bear Policies if you are travelling to a country or specific area that is
classified as ‘Advice against all Travel’ or ‘Advice against all but essential Travel’ by the Foreign,
Commonwealth and Development Office (FCDO).
In the first instance, we would suggest you contact your airline, travel agent or tour operator to ensure your
flights and accommodation are available for your intended trip.
If you do wish to travel to a country against the advice of the FCDO, you may require a
specialist travel insurance provider. Blue Bear have partnered with battleface, a provider of flexible
insurance plans for travellers going to unconventional locations, including those under FCDO "essential
only" travel advisories.
For more information and to obtain a battleface
quote please click here.
The policy will provide cover under the Cancellation section and will include cover for the proportion of prepaid transport, accommodation & additional travel expenses, and pre-paid excursions booked before you travel, which cannot be recovered from any other source.
These claims will be considered on a case by case basis, and you will be required to provide evidence from a medical professional confirming your/their illness or infectious disease.
If you or a member of your travelling party are refused entry, you are required to follow local authority procedures and contact the Assistance Team on +44 (0) 203 829 6639 or +44 (0) 203 829 6745.
The policy provides no cover for trip cancellation where you choose to change your travel plans due to the quarantine requirements, which may apply on your return to the UK. This is classed as disinclination to travel, which is an exclusion on our policy.
The policy provides no cover for trip curtailment where you choose to change your travel plans due to the quarantine requirements which may apply on your return to the UK. This is classed as disinclination to travel, which is an exclusion on our policy.
The policy provides no cover for loss of earnings if you are required to quarantine for any period on your return to the UK.
Yes. Cover applies if you, or anyone named on your policy, becomes ill with an infectious disease during your trip (including contracting Covid-19). You will be required to call and seek approval from the Assistance Team on +44 (0) 203 829 6639 or +44 (0) 203 829 6745 and follow all local authority procedures.
Curtailment cover is included and will provide a pro-rata refund of pre-paid trip costs, from the day you return home, if you or anyone named on your policy becomes ill with an infectious disease during your trip (including contracting Covid-19). You will be required to call and seek approval from the Assistance Team on +44 (0) 203 829 6639 or +44 (0) 203 829 6745 and follow all local authority procedures.
The Denial of Boarding extension will provide cover for extra accommodation and return transport at the earliest possible date based on medical or local authority advice, up to the limits stated in the Policy wording, due to having or being suspected of having an infectious disease (including Covid-19).
Blue Bear may provide cover for pre-existing medical conditions, so long as these have been declared to and accepted by our Medical Screening Service. You can complete your medical screening online, simply click here to get started (insert link). The link will open a new webpage and you can begin screening immediately. You can arrange cover for pre-existing medical conditions before or after you purchase your Blue Bear Policy, but please note, two transactions will be required i.e., to purchase the policy for medical cover and your Blue Bear Policy. We will be integrating medical screening into our customer journey soon, to further enhance your online experience and we appreciate your patience with us while we get this in place. If you would prefer to speak to the Medical Screening Service, please call **insert screening number**
You (or your representative) should call an ambulance using the local equivalent of a 999 number, or
alternatively by dialling 112 within the EU, and then contact the Emergency Assistance Team.
Millstream Contact Details
For Policies Underwritten by Millstream / issued on or after GO LIVE DATE
Emergency Medical Assistance Service for assistance / advice: +44 (0)330 660 0785
Whitehorse Contact Details
For Policies Underwritten by Whitehorse/ issued between 7 July 2021 and 13 July 2021
24hr emergency medical assistance (for medical emergencies or curtailment requests) outside your home country: +44 (0) 203 829 6639
Tifgroup Contact Details
For Policies Underwritten by Tifgroup / issued before 13 July 2021
24hr emergency medical assistance (for medical emergencies or curtailment requests) outside your home country: +44 (0) 203 829 6745
Prices vary depending on certain factors, such as age, destination, the trip duration and the level of cover chosen. To obtain a quote, simply click here Get A Quote
You can buy a policy online using one of the following debit or credit cards: Mastercard and Visa. Enter your trip details and follow the process outlined.
Blue Bear Travel Insurance uses a secure payment gateway that makes the debit/credit card transaction directly and securely through the bank. We do not have any access to your card details as the payment will be approved or declined by your banking institution. The connection through to your bank uses a 40bit encrypted SSL Web Server Certificate so that the information is encrypted or scrambled making it impossible to intercept or steal. Once the payment has been made your Travel Policy will be instantly confirmed by email.
A policy must start before leaving the UK. You cannot purchase a Blue Bear policy if you have already started your travels.
Single Trip & Longstay Policies – The start date and end date of the policy should correspond
with the dates of travel. Cancellation cover will become effective on the date the premium is paid and the
policy is issued.
Annual Multi Trip Policy – Unlike the Single Trip and Long Stay policy, an Annual policy should
start when a holiday is booked (and not the start date of the first trip) so that the pre-travel cancellation
cover is in force, as detailed in section 1 of the policy wording. These policies will terminate on the expiry
date of your policy, as detailed on your certificate of insurance.
Our insurance policies are only available to residents of the United Kingdom, the Channel Islands or
British Forces Posted Overseas.
We define UK Residents as people who have their main home in the United Kingdom or the Channel Islands
and who have not spent more than six months overseas in the year before buying this policy.
Our Annual Multi-Trip Policy provides cover for trips up to 31 days as standard. Trips of up to 45 days and 60 days can be purchased upon payment of an additional premium. Annual winter sports policies have a maximum winter sports trip limit of up to 24 days per period of insurance.
We also offer Single Trip policies of up to 365 days, and a Long Stay Policy of up to 558 days trip duration.
Age restrictions apply to Blue Bear policies and are as follows:
NOTE: If you are aged under 16 years at the time of the accident, the death benefit will be limited to funeral and other reasonable costs up to £1,000 and the permanent total disablement benefit will not apply
Cancellation cover on our standard Policies range from £1,500 to £10,000.
Silver £1,500
Gold £5,500
Platinum £7,500
Cruise £2,000 (up to £10,000)
Long Stay £3,000
Click here
to compare our policies.
Higher valued trips can be considered. If you require cancellation cover above £7,500 per person, we can 'top it
up' for you. You can purchase up to £20,000 extra cancellation cover per person (£15,000 per person if aged
75-79), with an overall limit of £100,000 per policy.
To obtain a tailored quote, please email us at enquiries@bluebeartravelinsurance.co.uk
enquiries@bluebeartravelinsurance.co.uk providing
full details of the trip, including the following information:
Passenger ages
Dates of the trip (Single Trip or Annual)
Territory
Trip Value (per person)
Also include other relevant information such as Sporting Activities
Yes. Our Annual Multi-Trip Policy provides cover for trips up to 31 days as standard. Trips of up to 45 days and 60 days can be purchased upon payment of an additional premium. Longer durations may be considered.
There are a number of conditions and exclusions which apply to all our policies. These can be found in the relevant Policy wordings.
An EHIC or GHIC covers state healthcare, not private treatment.
With an EHIC or GHIC you can get emergency or necessary medical care for the same cost as a resident in the
country you’re visiting. This means that you can get healthcare at a reduced cost or for free.
An EHIC or GHIC is not a replacement for travel insurance – it does not cover everything, such as mountain
rescue or being flown back to the UK (medical repatriation).
Make sure you have both before you travel.
You’ll need to pay in full for treatment if you do not have an EHIC, GHIC or provisional replacement certificate
(PRC).
The following European countries do not accept the EHIC or GHIC:
If your cover does not meet your requirements, please notify us within 14 days of receiving your policy for a refund of your premium. If during this 14-day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs for those services that you have used. If the notice of cancellation is received outside the 14-day cooling-off period no premium will be refunded, however discretion may be exercised in exceptional circumstances such as bereavement or a change to the policy resulting in us declining to cover your medical conditions.
Yes. Blue Bear Travel Insurance is an independent insurance provider and a policy may be purchased independently.
You can purchase a group policy through the Blue Bear website for up to 14 people. If the group exceeds 14, please email enquiries@bluebeartravelinsurance.co.uk providing the following information:
Inclusive holidays are where a flight is purchased with other component parts of the trip e.g. through a tour operator. Where one or more components are booked at the same time. These trips are usually covered under the Air Travel Organisers License (ATOL) arranged by the Civil Aviation Authority (CAA). The Holiday Financial Failure cover has been designed to include everything outside the ATOL e.g. flight only bookings or where policyholders build up their holidays themselves by booking the end suppliers directly (e.g. arrange flight, then book directly with hotel and arrange taxi from airport etc)
Our policies are designed to cover a wide range of trips and activities. However, we understand that
‘once in a lifetime’ trips are booked from time to time and we work very closely with our insurers to try to
cover these eventualities.
Please email enquiries@bluebeartravelinsurance.co.uk
providing full details of the trip for a tailored quote to be requested.
Please include the following information:
Also include other relevant information such as Activities, Cruise Cover, Excess Waiver, or Winter Sports extensions. If the activity you intend to do is not listed in the Policy wording, please supply a web link to provide more details and to assist our Insurers.
You should request to go to the nearest public/state medical facility. If in Europe, you should show
your EHIC card, as medical treatment will be free or at a reduced cost.
IMPORTANT: The Policy does not provide cover for private healthcare.
Some hotels will urge people to seek private treatment, however, these facilities vary greatly and are
not necessarily equipped to deal with all emergencies. They may also give medical attention at over
inflated prices.
Yes, providing that this section is covered under your policy. There is also a sub-limit within the personal money section for cash. Please refer to the policy wording for details on the cover limit for loss of cash.
All the relevant contact numbers are summarised on page 4 of your policy document. These can also be found by clicking the 'Contact Us’ tab on the website.
You may contact our friendly Blue Bear Sales Team on 0333 400 3404 for a quote or with any queries prior to purchasing a Policy. If you have already purchased a Blue Bear Travel policy and wish to discuss any aspect of your policy, or enquire about upgrades or amendments, please get in touch with our After Sales Team via email at enquiries@bluebeartravelinsurance.co.uk or call us on 0333 400 3404 for assistance. We are open from 9AM-5.30PM on Monday to Friday.
You must select the appropriate Winter Sports activity of your choice from within Sports and Activity Levels 3 or 4.
Click here to access the Policy
Wordings for Single and Annual Multi-Trip Policies.
Click here to access the
Policy Wordings for a Blue Bear Long Stay Policy.
This can be added by searching for the activity on the quote form, then select which activity/sports you need.
When you buy a policy, we will send you an email confirming your purchase of cover immediately. Please note that some email providers do place our Confirmation emails into SPAM/JUNK folders, due to their automated nature.
Please email enquiries@bluebeartravelinsurance.co.uk with full details of the changes required. It is our aim to respond to you within 48 hours.
The Blue Bear Travel Sales Team will be delighted to assist you and can be contacted on our Customer Service line, 0333 400 3404. We are available to answer queries Monday – Friday, 9am – 5.30pm, or simply email us at enquiries@bluebeartravelinsurance.co.uk
MILLSTREAM CLAIMS - FOR POLICIES UNDERWRITTEN BY MILLSTEAM / ISSUED ON OR AFTER Go Live Date
Contact the Claims Service for a claim form by visiting www.csal.co.uk or by email on claims@mstream.co.uk or by phone on 0330 660 0785.
TIFGROUP CLAIMS - FOR POLICIES UNDERWRITTEN BY TIFGROUP / ISSUED BEFORE 07 JULY 2021
Contact the Claims Department for a claim form by visiting www.policyholderclaims.co.uk or by phone on 0203 829 6761.
WHITEHORSE CLAIMS – FOR POLICIES UNDERWRITTEN BY WHITEHORSE ISSUED BETWEEN 7 JULY AND 13 JULY 2021
Contact the Claims Department for a claim form by visiting www.policyholderclaims.co.uk or by phone 0203 829 6603.
These claims will still be considered, but please be aware that you will still be asked to provide proof of ownership for the lost or stolen items. We understand you might not be able to produce receipts for every item, but we do expect that you provide some evidence of ownership. Typically, the insurers may accept photographic evidence in conjunction with warranty cards, manuals, receipts, bank or credit card statements as proof of ownership. In the end, common sense prevails, and you should ask yourself, "Do these documents conclusively prove I have owned this item?". If not, restrictions may apply.
Useful Contacts:
Policy Sales: 0333 400 3404
Claims and Assistance Helpline: +44 (0)330 660 0785
Email: enquiries@bluebeartravelinsurance.co.uk
This insurance is provided by Blue Bear Travel Insurance which is a trading name of Rush Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and which is permitted to arrange general insurance contracts.
Copyright © Blue Bear Travel Insurance 2024.