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Policy Documentation

Welcome! On this page, we will help you access and understand your travel insurance documents, what it covers, and why it’s important.

We know insurance can be confusing, so we have explained everything in plain language to help you feel confident about your cover and policy documentation. You will also find out what actions you may need to take, like checking your details, understanding what’s not covered, or letting us know if anything changes.

Let’s make travel insurance simple. And if anything’s unclear or you would like help, just get in touch, we are here to support you.

We want to help you feel confident about your cover. Below is a quick guide to the key documents you will receive with your travel insurance. Each one plays a different role, here’s what they do, why they matter, and what you should check.

Travel Insurance Policy Documentation Cheat Sheet

What it is: This is the full legal contract for your travel insurance. It tells you exactly what you are covered for, what’s not covered, and what to do if something goes wrong.

Why it matters: This is the most important document – if there’s ever a dispute or confusion, this wording is what we will refer to.

What to do: Read it carefully before you travel. Pay extra attention to exclusions, excesses, and claims procedures.

What it is: A short, easy-to-read summary of your insurance. It highlights key benefits, exclusions, limits, and features.

Why it matters: Helps you quickly check if the policy suits your needs before diving into the full details.

What to do: Use this as a starting point. If it looks like the right fit, go on to read the full policy wording.

What it is: This explains how we (your insurance provider) work with you. It covers your rights, our responsibilities, and how we handle your personal data.

Why it matters: It sets out the basis of our relationship, including fees, complaints, and your right to cancel.

What to do: Have a read before you buy, especially if you want to understand how we are regulated and how your information is protected.

What it is: A personalised summary of your insurance quote. It includes your name, travel dates, and the type of cover being offered.

Why it matters: Shows the specific cover you are being offered before you decide to go ahead.

What to do: Check all details are correct, including trip dates and any medical information, before you buy.

What it is: A letter giving you extra information about your quote or policy, for example, next steps, documents included, or how to contact us.

Why it matters: Keeps you informed and helps you make the most of your cover.

What to do: Have a read for useful tips and reminders. If anything’s unclear, get in touch.

What it is: Your confirmation of insurance once you have bought your policy. It includes your name, travel dates, level of cover, and policy number.

Why it matters: You’ll need this if you make a claim or need proof of insurance while travelling.

What to do: Keep a copy with you on your trip (digitally or printed). Make sure all your details are correct.

What it is: A record of the medical conditions you have told us about, and which ones we have agreed to cover.

Why it matters: If a condition isn’t listed here, it may not be covered, and this could affect any claims you make that could be attributed, or linked to that condition.

What to do: Double-check all details are correct before buying. If your health changes later, contact us immediately to update your medical declaration and cover.

We hope this has helped clarify your policy documentation, but if there are any other documents that you want us to explained, please let us know! For additional advice on policy documentation, feel free to check out Travel Insurance Explained.

If you have purchased a travel insurance policy from Lighthouse, all of the documents you need in relation to your quote/policy can be found in your customer area by clicking here. Your customer area will have been created automatically after you purchased, please reset your password if you are having trouble accessing your account.