policy documents

welcome! on this page, we’ll explain everything you need to know about travel insurance documents in simple terms. we understand insurance can be confusing, so we’ve broken down each document to help you easily understand what they mean, what’s covered, and what you need to do.

let’s make travel insurance simple!

policy wording

policy wording is the document that explains all the details about your travel insurance. it tells you what’s covered, what’s not covered, and what to do if something goes wrong on your trip. it’s important to read this so that you know exactly what your insurance includes.

IPID or Insurance Product Information Documents

an IPID (insurance product information document) is a short, easy-to-read summary of your travel insurance. it gives you the key facts about what’s covered, what’s not covered, and any limits or exclusions. it’s a quick way to check if the insurance meets your needs before looking at the full details in the policy wording.

terms of business

terms of business is a document that explains the agreement between you and the company providing your travel insurance, in this case, us! it tells you how we will work with you, how we will handle your information, and what your rights are. it's important to read this so you know what to expect when buying your insurance.

quote letter

a quote letter is a document that shows how much your travel insurance will cost. it includes details of the cover you’re getting and the price you’ll need to pay. it helps you decide if you want to buy the insurance or not.

quote schedule

a quote schedule is a document that gives a breakdown of the travel insurance cover you're being offered. it lists what’s included, like medical cover or baggage protection, and shows the cost for each part. it helps you see exactly what you’re paying for.

policy letter

a policy letter is a document that confirms you have travel insurance. it includes important details like your name, the dates you’re covered, and what type of cover you have. you might need this letter if you ever need to make a claim or show proof of insurance during your trip.

policy schedule

a policy schedule is a document that shows all the details of your travel insurance after you’ve bought it. it includes important information like your name, the dates you’re covered, and a list of what’s included in your policy. it helps you understand exactly what cover you have.

medical declaration

a medical declaration shows you what you have told the insurance company about any health conditions you have before buying travel insurance. this helps them decide what cover you need. it’s important to be honest so that your insurance will cover you if something happens related to your health during your trip. it is so important to make sure to check everything detailed on your declaration before you purchase your insurance, and if anything changes during the length of your policy, please contact your insurer so they can update your information.

are there any other documents that you want us to explain? let us know!