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 cancelled or delayed and it can provide you some compensation if your possessions are stolen. 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 Tel 01702 427 236, or email

  • 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
In Patient Benefit £10 per day up to
Criminal injuries £100 per day up to 

B Personal Liability



E Delayed Departure or Arrival
Either compensation up to
OR cancellation after 8 hours up to
Hi-jack of Aircraft £100 per day up to
Interruption of Transport


C Personal Accident
Permanent Loss of Sight
Loss of Limb(s)
Permanent Total Disablement


F Personal Effects
(Valuables limited to £350)
(Single Article limit £250)
(Disc Collections £200)
Temporary Loss of Baggage
Passport and Visas



D Cancellation or Curtailment


G Legal Expenses


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
  • We can cover up to 12 months in advance of trave
  • Covers for Mental Health issues
  • We value our customers, we want to take the time to ensure our customers are fully covered for their trip
  • We are not on any comparison sites
  • Option to include Winter Sports Activities

Vital Health - What we cant cover

  • Anyone on a waiting list
  • Anyone travelling against Doctors 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 a single insurer.

A copy of the policy document is available for download ONLINE. 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.

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 insurers medical help line on 01702 242 7237 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 Introducer Appointed Representative 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 - FAQ’s

Am I covered if I decide to travel against FCO advice?
There is no cover if you travel anywhere that is contrary to FCO advice.