Do you have a pre-existing medical condition that you need to declare to your travel insurance provider? Get advice on pre-existing medical conditions.
Travel Insurance Excess Waiver
From only £14.04 per Week
- Reduces all excesses to £0
- Quick & Easy to Book
- UK, Europe or Worldwide
- Single, Annual or Backpacker Trips
- 24hr Emergency Assistance
From only £14.04 per Week
Add Excess Waiver to Holiday Insurance
Avoid paying any excesses in the event of a claim by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy. This includes any additional cover and their excesses that you may add to your policy, such as extra sports or medical cover.
What is a Travel Insurance Excess?
The excess is the amount that you will need to pay should you make a claim on your travel insurance policy. We cover you for the remaining amount up to the limit of your cover.If you pay a little bit extra and add Excess Waiver to your policy, see how much you could save should you need to make a claim:
|Cancellation and Curtailment||£75 - £100||up to £100|
|Medical Expenses||£75 - £100||up to £100|
|Medical Cover for High Risk Sports||£600||up to £600|
|Baggage Cover||£75 - £100||up to £100|
|Personal Money||£75 - £100||up to £100|
|Legal Expenses||£75 - £100||up to £100|
|Failure of Carrier||£75||up to £75|
|Skiing Equipment Cover||£75 - £100||up to £100|
|Golf Cover||£75 - £100||up to £100|
|Cruise Cover||£75 - £100||up to £100|
|Business Cover||£75 - £100||up to £100|
|Independent Traveller||£75 - £100||up to £100||Wedding Cover||£75 - £100||up to £100|
Simply complete the quote form and select Excess Waiver after filling in your personal details and rest assured that should you have to claim, you won't have to pay any extra.
Experts' Top Tip If youre comparing different travel insurance policies, be wary of cheap policies as they often come with high excesses that you would have to pay in the event of a claim.
You have the option of paying only for the cover suited to your holiday needs. Customise your cover by choosing between 4 cover levels, 4 areas of cover and adding extra cover for pre-existing medical conditions, sports, golf, or winter sports.
Add Extra Cover
You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.
Do You Need to Declare a Medical Condition?
If you have a pre-existing medical condition its vital that you declare it or you could invalidate your entire policy. Insurers dont like to think that youve hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. Whats more, you even have the option to declare a condition but then exclude it from your policy. What this means is that youve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.
Do You Need Extra Sports or Specialist Cover?
A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.
By adding Winter Sports to your Single, Annual or Backpacker policy you can take part in over 26 winter sports and be covered for:
Medical: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation
Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.winter sports cover →
Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.
Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:
- Your Personal Equipment up to £1000
- Hired Equipment up to £200
- Pre-paid Green Fees up to £300
Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.
Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.business trip insurance →
Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.
Cruise cover will add extra protection for:
- Extended baggage cover up to £3,500
- Missed shore trips up to £500
- Cabin confinement (due to illness) up to £600
- Valuables up to £700
If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything its meant to be.
- Wedding Clothes up to £1500 per person
- Wedding Gifts up to £1000 per couple
- Wedding Rings up to £250 per person
- Wedding Photographs up to £750 per person
Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.
Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.find out more →
If you've packaged your holiday yourself (without the help of a travel agent) add the Indepentent Traveller add-on will provide cover for additional scenarios such as:
- Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
- Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
Travel Insurance Reviews
Customers have scored Essential Travel on average 87% 100 based on 1066 reviews.
Total Rating: 5/5
Simple & easy to use website
Easy to understand and use website. No interaction with any staff members so cannot comment...hopefully we won't need to use the insurance but as for setting it up, no problems at all.
Mr Mason - Wed, 06 Nov 2013
Total Rating: 4/4
Helpful customer service staff, straightforward advice
Very happy with the service I received when going through the claims process.
Ms Duncan - Wed, 06 Nov 2013
Total Rating: 5/5
5 stars for the ease of use (website) and fast booking procedure
Getting a proposal was easy. You then only had to make up your mind about the sort of coverage you want and book it accordingly. I decided against the paper documents (sent by mail) just for the reason being I ran out of time as I booked late. Fortunately I didn't have to make use of the services on the spot and therefore cannot comment on that part.
Maika Wolf - Sun, 03 Nov 2013
Find the right travel insurance for your needs with Essential Travel's Expert Tips:
Essential Travel recommends the best time to purchase your travel insurance to make sure your holiday is fully covered and you get the most from your policy.
Learn how to cut costs on your holiday insurance & receive exclusive travel insurance discounts. Cover for medical emergencies, cancellation and lost luggage.