What is covered by Urban Jungle Travel Insurance policies?

Urban Jungle Travel Insurance covers emergency medical expenses, trip cancellation or cutting a trip short, travel delays and disruptions, lost, stolen, or damaged baggage, personal belongings, travel documents, personal money, and gadgets such as mobile phones and cameras. Cover is available as Single Trip (one trip) or Annual Multi-Trip (multiple trips in 12 months) in three tiers: Basic, Essential, and Deluxe. Optional add-ons include Winter Sports cover and Cruise cover. All named policyholders must be UK residents who have been resident for at least 3 of the last 12 months.

Do your Travel policies include trip cancellation cover?

Yes. All Urban Jungle Travel Insurance packages include cover for cancellation or cutting a trip short, with limits depending on the package selected: Basic policies cover up to £1,500, Essential policies cover up to £2,500, and Deluxe policies cover up to £5,000. Cover starts from the date stated on your policy schedule or time of booking whichever is later. All other covers begin when you leave home to go on your trip and last until you return home.

Can you cover pre-existing medical conditions on Travel policies?

Yes. As part of the Urban Jungle quote process, you must declare any pre-existing medical conditions for yourself and anyone named on the policy. This includes conditions diagnosed or for which you received medical advice, treatment, surgery, tests, investigations, or prescribed medication in the last two years. If you cannot find your condition in the drop-down menu, contact the Urban Jungle team. If Urban Jungle cannot insure you based on the information provided, it will let you know during the quote process. Failure to declare a pre-existing medical condition may lead to refusal to deal with claims or reduced claim settlement.

Can your Travel policies cover jewellery and valuable items?

Yes. Valuables are covered if accidentally lost, damaged, or stolen whilst on your trip and do not need to be declared on the policy. Covered items include jewellery, watches, cameras, camcorders, sat navs, drones, telecommunications equipment, and electronic entertainment devices. However, there is no cover for loss, theft, or damage to valuables left unattended unless deposited in a safe, safety deposit box, or left in locked accommodation. Maximum payouts for valuables depend on the package: Basic £250, Essential £500, and Deluxe £750.

How do I make changes to or update my Travel Insurance policy?

You can make changes to your Urban Jungle Travel policy at any time, and no charges apply. You can update policy details, cover levels, add travellers, or change personal information like name, home address, or email through the My Account section under 'Manage Policy'. Some changes are not available after purchase, such as downgrading travel packages or removing Extra Cover. For Single Trip policies, you cannot change the number of travellers after the trip has started. To change your email address or name, contact the Urban Jungle support team.

How do I turn off auto-renewal on my Annual Multi-Trip Travel policy?

Turning off auto-renewal on your Annual Multi-Trip Travel policy is free and easy. Log in to the My Account section using your policy email, click Manage Policy, then Manage renewal or cancel policy. Turning off auto-renewal means your cover ends at the end of your current instalment, whereas cancelling your policy ends cover immediately. Do this at least 4 days prior to your next renewal date, which you can find in your policy document. Email confirmation will automatically be sent.

How does credit work on my Travel Insurance policy?

If you have a credit code for Urban Jungle travel insurance, apply it at checkout or through the My Account section. Credit can be applied to payments above the minimum payment amount of £20. Applied credit is automatically deducted from the total amount at your next renewal for amounts over £20 and continues until the credit is used up. For Single Trip policies, remaining credit can be used towards future Single Trip purchases over £20. Travel credit cannot be used towards other Urban Jungle policies.

How do I make a claim on my Travel Insurance policy?

If something goes wrong and you need to submit a Travel claim, contact the claims handlers directly. For medical or other emergencies abroad, contact Healix Medical Assistance Service by phone at +44 (0) 20 8608 4227 from anywhere worldwide or 020 8608 4227 from the UK, or by email at internationalhealthcare@healix.com. For non-emergency claims, contact Claims Consortium Group by phone at 0330 124 5156 Monday to Friday 9am–5:30pm (excluding holidays) or by email at urbanjungletravel@claimsconsortiumgroup.co.uk. Before claiming, note your excess amount from your policy document.

How do I change payment details on my Travel Insurance policy?

To change the account you pay from, log into the My Account section and click Update Payment Details. Currently, it is not possible to change your payment date, payment frequency, or payment method, but you can change the account you pay from. If you receive an email about a late payment or renewal problem, ensure there is enough money in your account, your card is up to date, and check your inbox for payment authentication emails. Urban Jungle has a 21-day arrears period to retry payment; if unsuccessful, the policy is automatically cancelled.

Urban Jungle Travel Insurance FAQs: Solo Traveling on a Shared Travel Insurance Policy & Picking Your Destination cover

Q: Am I covered if I travel alone on a shared Travel policy?

Yes. Urban Jungle annual multi-trip Travel policies cover all named policyholders. All named policyholders do not have to travel together to be covered by the policy. For example, if you travel somewhere independently, you are still covered if the other named policyholders are not with you. If you want to check or amend the named policyholders on your existing Travel policy, you can do so in the My Account section of the website.

Q: How do I know which Travel Insurance policy I need?

Urban Jungle offers Single Trip and Annual Multi-Trip policies. Single Trip policies cover one trip involving an overnight stay, starting and ending at your home, for up to 60 days. Annual Multi-Trip policies cover any number of trips within a 12-month period, with each trip up to 60 days. Urban Jungle does not offer advice-based sales as it is not regulated to provide financial advice. For detailed guidance, speak to a qualified Independent Financial Advisor (IFA) through vouchedfor.co.uk, unbiased.co.uk, or an insurance broker on biba.org.uk.

Q: How do I get a quote for a Travel Insurance policy?

You can get a Travel Insurance quote online at myurbanjungle.com in a matter of minutes by answering a few questions about your travel plans. Urban Jungle cannot offer quotes over the phone or by email, and cannot advise on personal circumstances as it is not regulated to offer financial advice.

Q: How do I know which countries you cover on your Travel Insurance policies?

Once you start the Urban Jungle quote process, you should be able to see what countries are covered. Urban Jungle insurance policies can cover most countries, but they do not extend to those on the Foreign, Commonwealth, and Development Office (FCDO) Hazardous Territories list — any country or region where the FCDO has advised against all or all but essential travel. For Annual Multi-Trip policies, check the coverage details for covered destinations in Europe and Worldwide. For Single Trip policies, declare the countries you intend to visit during the quote. Check the government's Foreign Travel Advice website if unsure about specific countries.

Urban Jungle

Aug 19, 2026

Insurance Guides

This article only applies to our Travel Insurance policies. If you’re unsure about which policy you have, please refer to this article.

Below, we’ve broken down exactly how independent travel works when you share a travel insurance policy with other people, what to consider when choosing between Single and Annual Multi-Trip coverage, and how to spot which global destinations are fully covered.

Am I covered if I travel alone on a shared Travel policy?

Our Urban Jungle annual multi-trip Travel policies cover all the people named on the policy. All the named policyholders do not have to travel together to be covered by the policy. For example, if you travel somewhere independently, you are still covered if the other named policyholders are not with you.

If you already have a Travel policy with us, and want to check or amend the named policyholders, you can do so in the My Account section of our website

How do I know which Travel Insurance policy I need?

Making sure you choose the right travel policy for you is important. At Urban Jungle, we do not offer advice-based sales as we aren’t qualified financial advisors, so we can’t help you choose a policy that suits your needs. To help you decide, you can read about the cover we offer in both our Single Trip and Annual Multi Trip below.

If you have any queries and would like us to clarify policy wording, please get in touch. You can send us an email at support@myurbanjungle.zendesk.com. If you’re still unsure about the cover you need, you can speak to a qualified Independent Financial Advisor (IFA) to get more detailed advice. You can find them through vouchedfor.co.uk or unbiased.co.uk. You could also find an insurance broker on biba.org.uk.

Single Trip

Our Single Trip policies are designed to cover one trip, which involves an overnight stay and starts and ends at your home (or place of business). The cover lasts from when you buy the policy to the end of your trip. This trip can be up to 60 days (depending on the cover levels you choose and age at the time of the trip). You can read more about this in our Single Trip sample policy document.

Annual Multi Trip

Our Annual Multi Trip policies are designed to cover any number of trips within your policy period of cover year (shown in your policy schedule). Each trip can be up to 60 days long (depending on the cover levels you choose and age at the time of the trip) - but they must all start and end at your home (or place of business) and involve an overnight stay. You can read more about this in our Annual Multi Trip sample policy document.

How do I get a quote for a Travel Insurance policy?

We've made it really simple to get a Travel Insurance quote - you can get one on our website in a matter of minutes. All you need to do is answer a few questions.

→ Get a travel insurance quote now

We can’t offer quotes over the phone or by email, and we can’t advise on your personal circumstances (we're not regulated to offer financial advice).

How do I know which countries you cover on your Travel Insurance policies?

Before you travel, it is important that you ensure the country or countries you are visiting are safe and that you have the right insurance coverage for your needs.

Once you start our quote process, you should be able to see what countries we cover.

Our insurance policies can cover most countries, but they do not extend to those on the Hazardous Territories list. This includes any country or region where the Foreign, Commonwealth, and Development Office (FCDO) has advised against "all" or "all but essential" travel. If you’re unsure, check the Foreign Travel Advice on the government website for more information.

If you opt for an Annual Multi-Trip policy, check the fields below for what countries our packages cover. If you opt for a Single Trip policy, you will have to declare the country or countries you intend to visit in your quote.

To make any changes to your cover package or the destination you are planning to visit, head to the “Manage policy” section on the My account page.

Covered Countries in Europe

Excluding any countries on the FCDO list, the Europe destination includes the following destinations:

Albania
Andorra
Armenia
Austria
Azerbaijan
Azores
Belarus
Belgium
Bosnia and Herzegovina
Bulgaria
Channel Islands
Corsica
Croatia
Cyprus
Czech Republic
Denmark (and the Faroe Islands)
Estonia
Finland
France
Georgia
Germany
Gibraltar
Greece
Hungary
Iceland
Isle of Man
Italy
Latvia
Liechtenstein
Lithuania
Luxembourg
Madeira
Malta
Monaco
Montenegro
Morocco
Netherlands
North Macedonia
Norway
Poland
Portugal
Republic of Ireland
Republic of Moldova
Romania
Russia
San Marino
Serbia
Slovakia
Slovenia
Spain (and Spanish Islands, including Balearic and Canaries)
Sweden
Switzerland
Tunisia
Turkey
Ukraine
United Kingdom
Vatican City

Covered Countries Worldwide

If your destination does not fall within our European countries, Worldwide cover must be selected.

If you select Worldwide cover, you will also have to specify if you are visiting the USA, Canada, the Caribbean, China, or Hong Kong.

Please note that if you are just transiting through these countries, they do not need to be added to your policy.

We can't cover any trip to a hazardous territory advised against “all” or “all but essential” travel by the FCDO. This does not apply if you’re only transiting through and not leaving the airport or passing through immigration.

You can check the FCDO list on their website.