Covid Cover
All policies purchased after 1st October 2022 have cover under the Emergency Medical section of the policy, if you were to contract the virus and have to seek medical treatment. This includes repatriation if medical necessary.
There is also an option that you can choose, whereby it increases the cancellation section to cover those who contract the virus within 14 days prior to your departure date, as long as you can prove you had a positive test. Plus additional cover for having to self-isolate overseas, for additional accommodation/transport up to £2,000.
We can provide cover for travelling against FCDO advice, but there would be no cover for the reason for the advice e.g. the FCDO say don’t travel to there due to covid levels, you can travel there, but no cover for contractng covid.
Wintersports
A: Yes, there is cover for your search and rescue by whatever means are considered necessary by the rescue services.
A: Yes, there is cover for Skiing on a Glacier as standard under an MPI Wintersports policy.
A: Absolutely. Most insurers either exclude ‘off piste’ skiing or insist that you are accompanied by a guide. At MPI Brokers we recognise the impracticality of this, because one can ski ‘off piste’ unwittingly and in certain circumstances it is possible to ski on a ‘pisted’ run that is designated ‘off piste’. So we do not exclude ‘off piste’ skiing – but, as with all insurance, we expect skiers to behave in a reasonable and sensible manner.
A: You will need an element of Wintersports cover called ‘Remove downhill skiing/boarding cover’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.
A: You will need an element of Wintersports cover called ‘Reduced Wintersports’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.
A: We cover most, if not all of the Lapland activities*, under our ‘Reduced Wintersports’ cover. Please select ‘Yes’ to Wintersports cover, then when you have decided your level of cover from one of our three packages, you will be presented with a list of Additional and Removable cover options. If you are not taking part in regular downhill Skiing/Snowboarding, you can select this option.
*Please note that there may be some exclusions – if you are planning a trip to Lapland or similar, please contact
A: There is cover for racing and training for both Local and Amateur Ski races as standard under an MPI Wintersports policy. There is also cover for National or International Ski Championships where the entry age is under 16. We may be able to cover higher level Ski races for an Additional Premium. Please contact before purchasing to make sure you have the correct level of cover in place.
A: There is cover for up to 17 days any one Wintersports trip. This can be increased to 31 or 62 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Seasonaire policy.
A: It is not a condition of the policy to wear a helmet, but of course, you may wish to for safety reasons. Please note, some resorts have their own rules and requirements, failure to wear a helmet when the resort specifies that you should may invalidate your insurance, so we would recommend that you check the rules at your resort before you leave.
A: The Carte Neige does provide cover for Piste Rescue and Emergency Medical Costs. However, there is limited repatriation cover and a very low sum insured for medical costs. There is no Personal Liability cover under the Carte Neige or cover for illnesses. It should work hand in hand with Ski Insurance.
A: There is cover as standard under an MPI Wintersports policy for Ski Instructor courses. We ask that you make sure you have the appropriate level of cancellation cover in place, as we know that these courses can be costly.
A: There would be cover for Cancellation due to an illness or injury before you departed the UK for the course fees. Additionally, there would be cover on a Pro-rata basis if you suffered an illness or injury part way through the course. If you wanted to have cover for 100% of the course fees, please contact as there would be an Additional Premium payable.
A: Yes - this is fine.
Sailing
A: We cover all forms of Watersports and Water-based activities on inland waters, rivers and up to 12 miles from the coast.
A: There is cover as standard under all of our policies for sailing offshore (in yachts) in all Western European waters and up to 12 miles offshore in the rest of the world*. We can on application consider other trips. Please contact with the ages of those requiring insurance, your dates of travel, destination and other relevant information.
*Excluding areas where the Foreign and Commonwealth Office (FCO) have advised there is a danger of war or piracy.
A: There is no cover for Personal Liability whilst you are skippering the boat, as this falls under the vessel’s insurance – we recommend that you check this in the rental agreement.
A: There is cover for theft, if your belongings are left in a locked yacht which is your accommodation for the duration of the trip. If this is the case, the exclusion of leaving Personal Effect unattended in a motor vehicle does not apply. For the theft to be covered you must file a police report and there must be evidence of forced/violent entry. We would advise that you keep your Wallet/Purse and Passport on you at all times.
A: Whilst we do not exclude cruises, we do not offer a cruise specific policy for things such as Missed Ports, Confined to Cabin etc. please ensure you have adequate cover to meet your personal requirements whilst on the trip. At the very least we would recommend that you have the right level of Cancellation cover.
Destination
A: If your trip destination is not USA/Canada or Mexico, but you have a stopover in one of these countries, you are covered for up to 48 hours. This is different if your policy is for Australia & New Zealand only, you are then insured to travel for up to 7 days Worldwide on both your original outward and final return journeys.
A: You are insured to travel for up to 7 days Worldwide on both your original outward and final return journeys. If the trip to Asia or elsewhere exceeds the 7 day limit either side of your trip, you will need to include this in your destination cover.
A: Under an MPI Europe policy, you are insured to travel to and within geographical Europe; West of the Ural Mountains, countries bordering the Mediterranean, Madeira, Canary Islands, The Channel Islands and the Azores. If you are unsure whether your trip destination falls under Europe, please contact for clarification.
A: We have negotiated lower rates with insurers for those travelling to France.
A: You are insured to travel to and within France and for up to 24 hours at any one time in a neighbouring country
Medical Screening
A: We will ask series of questions pertaining to the last 12 months. You can continue your purchase with the conditions excluded, or, if you would prefer to ask underwriters to cover your condition(s), please ask for a Medical Screening form.
The outcome will be one of:
1) Full cover for your declared condition(s)
2) Cover with an increased excess for your declared condition(s)
3) No cover for your declared condition(s) More Information
A: We aim to respond within 1 working day.
A: Yes, you can purchase before obtaining terms for your condition(s). Please note that the condition(s) will be temporarily excluded from cover until you receive an outcome from MPI Brokers.
Claims
A: Please visit https://mpibrokers.com/claims to download and complete the relevant claim form, attaching any and all supporting documentation and send to us via email or post within 31 days of the incident. If you are a Resort Staff member, please log into your MyMPI account.
A: Please contact the Assistance company immediately on 01428 773 000 if: you will be staying in hospital and/or your claim is likely to exceed £1,000 and/or you are in the USA, Canada or Mexico.
A: All insurance policies have an excess, which is an amount deducted from your loss. At MPI we make sure this is kept to a minimum as we deduct only one excess per event, per person, regardless of how many sections you claim under for one incident. Most insurance providers deduct the excess per section.
You can purchase an Excess Waiver which means all excesses are waived from the policy and shall not apply, other than, under the Personal Liability section.
A: We acknowledge all claims within 2 working days.
A: Successful claims will be paid via Bank Transfer, or by Cheque if necessary.
A: This policy is on a ‘pay and claim’ basis. When you obtain treatment, keep all of your receipts, you can then file a claim on your return. If your situation is serious and/or a hospital stay is required, OR you are in the USA, please call our 24-hour Emergency Assistance line on +44 (0) 1428 773 000
A: In the first instance we ask that you file a police report, you would then need to go to the British Embassy to obtain a temporary Passport to get yourself home. Once back in the UK, you can apply for a new Passport and file a claim for costs within 31 days of the incident. (Standard and Excel policies only)
A: It is a condition of the policy that you obtain a police report to assist your claim. You can then submit your claim by visiting https://mpibrokers.com/claims to download and complete the relevant claim form, attaching any and all supporting documentation and send to us via email or post within 31 days of the incident. If you are a Resort Staff member, please log into your MyMPI account.
A: You can always file a claim and the acceptance would be down to the insurer’s discretion. We understand that you may not always have receipts, but you may have a bank statement or other evidence with proof of ownership. If the claim is a lost bag, insurers would not expect receipts for all of the items inside e.g clothing. However, receipts are usually requested for larger items.
Other
A: If you purchase a policy prior to 31st December 2020, after this date all cover will be the same as when you purchased. However, if Brexit for some reason has an impact on your holiday, there would be no cover for this under your travel insurance.
A: The EHIC remains valid until its expiry.
If your EHIC has expired you can now apply for a new GHIC (Global Health Insurance Card), which provides the same cover as the old EHIC, however it is currently not accepted in Iceland, Switzerland and Lichtenstein. Norway will accept a UK passport for the same level of cover. It is also accepted in Australia and New Zealand, where the EHIC is not.
A: The EHIC and GHIC gives you the same access to emergency treatment that locals would receive, and typically covers up to 80% of Emergency Medical costs. It does not however cover Mountain Rescue, Repatriation, Personal Liability or cover your personal belongings.
Please note the new GHIC is currently not accepted in Iceland, Switzerland and Lichtenstein. Norway will accept a UK passport for the same level of cover. However, it is now accepted in Australia and New Zealand, where the EHIC is not.
A: You can find all of our Retail Policy Wordings here MPI Brokers.Choose the trip type you are interested in and then scroll to the top
You can find our Resort Staff Policy Wording here https://www.mpibrokers.com/company-insurance/overseas-resort-staff-insurance
A: It is not a condition of the policy to carry your documents with you, but many people wish to do so for peace of mind. We always suggest noting the Emergency Medical Assistance number and your Policy number.
A: A couple is 2 people who are travelling together. For Single Trip policies, individuals do not have to be related. For Annual Multi-Trip policies, both individuals must live at the same address, but can travel independently from each other.
A: For MPI Multi-Trip policies, you must live at the same address but can travel independently from each other.
A: We understand that their Term Time address may be different from the family home, but as long as their Main Home address is the same as the rest of those on the policy, they can be insured under the Family Multi Trip, as long as they are aged 21 or under.
A: We can insure those up to age 100 for a Single Trip, or up to age 80 for those seeking a Multi Trip.
A: The Insurance premium is calculated on your current age at the time of purchasing the policy, it will not affect the policy if you have a birthday whilst overseas.
A: Yes - this is fine.
A: No, as long as each trip does not exceed the duration limit.
A: There is cover for up to 30 days any one Non-Wintersports trip. This can be increased to 60 or 90 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Longstay/Backpacker policy.
A: There is cover for up to 17 days any one Wintersports trip. This can be increased to 31 or 62 days under our ‘Options’ section. If you are planning a trip which will exceed this limit, please take a look at our Seasonaire policy.
A: There is no difference in terms of cover or price. They are just marketed differently to suit different travellers.
A: Road cycling cover sits under all our policies as standard, which includes emergency medical cover after an accident, repatriation, plus personal liability cover whilst cycling too.
You will need to select the Additional Cover option for ‘Mountain Biking’ if you wish to include cover for the bicycle (up to £1,000 for loss and damage) and you will also need to select this option if you are more of a thrill-seeker participating in downhill mountain biking with man-made trails and jumps.
A: There is cover for theft, if your belongings are left in a locked campervan which is your accommodation for the duration of the trip. If this is the case, the exclusion of leaving Personal Effect unattended in a motor vehicle does not apply. For the theft to be covered you must file a police report and there must be evidence of forced/violent entry. We would advise that you keep your Wallet/Purse and Passport on you at all times.
A: We cover both residents of the UK & Ireland and British Passport holders residing in the EU.
A: All insurance policies have an excess, which is an amount deducted from your loss. At MPI we make sure this is kept to a minimum as we deduct only one excess per event, per person, regardless of how many sections you claim under for one incident. Most insurance providers deduct the excess per section.
You can purchase an Excess Waiver which means all excesses are waived from the policy and shall not apply, other than, under the Personal Liability section.
A: There is a 10% discount automatically applied to purchases made online.