Question 1

When should I buy travel insurance?

Accepted Answer

Ideally when you book your trip. Cancellation benefits often require purchase within a set window from your initial deposit.

Question 2

Is medical coverage included?

Accepted Answer

Travel plans typically include emergency medical and evacuation. Limits vary — read the policy wording before purchase.

Question 3

Can I insure multiple travelers?

Accepted Answer

Yes. Enter the number of travelers and each age so we can match family or group plans.

Question 4

Are pre-existing medical conditions covered?

Accepted Answer

It depends on the insurer and plan. Some policies exclude them, others cover stability periods or offer add-ons. Declare conditions honestly when asked — non-disclosure can affect claims.

Question 5

What is usually excluded?

Accepted Answer

Common exclusions include undeclared conditions, extreme sports (unless added), war zones, illegal acts, and losses from negligence. Each policy lists exclusions — review them before you pay.

Question 6

How do I make a claim?

Accepted Answer

Contact your insurer as soon as possible, keep receipts and reports (medical, police, airline), and follow their claims process. FBN Travel can help point you to the right channel for your policy.

Question 7

Do I need insurance for a Schengen visa?

Accepted Answer

Schengen visa applications usually require proof of medical cover meeting minimum amounts and validity for your stay. Pick a plan that explicitly meets Schengen requirements if you need a visa.

Question 8

Can I cover adventure or winter sports?

Accepted Answer

Many standard plans exclude high-risk activities. Look for optional adventure or winter-sports cover, or a specialist plan, and confirm the exact activities are named in the policy.

Question 9

Single trip vs annual multi-trip — which should I choose?

Accepted Answer

Single trip suits one holiday. Annual multi-trip can save money if you travel several times a year, but check maximum trip length and destination limits on each quote.

Question 10

Can I cancel or change my policy after purchase?

Accepted Answer

Cooling-off and refund rules depend on the insurer and whether cover has started. For changes to dates or travelers, contact the insurer or us promptly — mid-term changes are not always possible.

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