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At Headwater we believe that your safety and enjoyment when travelling overseas with us is very important. Therefore travel insurance is a must whenever you travel abroad. We have arranged travel insurance with specialist Insurance Brokers Campbell Irvine. The cover includes a 24-Hour Worldwide Medical Emergency Service, who are experts in providing friendly and professional help.

Please note that if you chose not to take our recommended insurance then we require confirmation that you have an alternative policy that meets your requirements. You will be asked to provide us with the name of your insurer, your policy number together with the 24 hour medical emergency assistance contact number if you chose not to take out our insurance. To arrange cover or obtain a quotation, please contact Headwater on 0044 1606 720199.

Should you have any questions regarding the terms and conditions of cover please contact our Insurance Brokers Campbell Irvine on 0207 938 1734 or email info@campbellirvine.com

Are you sure you are covered for your holiday?

Our insurance policy is tailored to give exactly the cover you need for the trips we offer. If you are considering making your travel insurance arrangements with someone else, please remember that not all insurance cover is the same. Take a look at some of the benefits our insurance provides:

Travel insurance summary of cover (per person)

 Cover per person Per person up to Excess

Medical expenses
Diagnostic Testing
In patient benefit
Criminal injuries
Additional Mountain Rescue

B. Personal Liability £2,000,000 £250
C. Personal Accident £25,000 Nil
D.Cancellation or curtailment £3,000 £75
E. Delayed departure or arrival
Cancellation due to delay
Hi-jack of aircraft
Interruption of transport


F. Personal effects
Passports and visas
Temporary loss of baggage

G.Legal expenses £50,000 £250
H.Winter Sports Optional £75

Premiums per person (adults under 66 years)

UK single trip

Up to 4 days
Up to 9 days

European single trip (including all countries bordering the Mediterranean)

Up to 4 days
Up to 9 days
Upto 17 days

Worldwide single trip (excluding North America and Mexico)

Up to 9 days
Up to 17 days

Winter show holidays Call for details

The above premiums include Government imposed Insurance Premium Tax. Currently at 20% and are only applicable to UK residents.

Age 66 years or more: For persons aged 66-69 years at the time of arranging insurance double the standard rates apply for single trips. For persons aged 70-74 years the rates are 3.5 x the standard rates. For persons aged 75 years old or more at date of payment of insurance premium please contact Headwater for a quotation. Maximum age 69 years on Annual Multi Trip Policies.
Children: Please call for family rates.
Please note: Cancellation cover starts from the time you pay your premium, which is why we strongly recommend you arrange insurance at the same time as you make your booking.


This is only a summary of cover, full details of the cover provided are shown on your policy document which will be sent to you once the appropriate premium has been paid. When you receive your Policy Document and Policy Summary detailing our regulated status, please read it carefully to ensure that you are happy with the cover provided, as this insurance is being sold to you on a Non Advised basis from a single insurer. The Policy Document also contains details of our 21-day money back cooling off period and full details of how to make a claim. 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 our medical helpline in confidence on 01702 427 237, as additional cover may be purchased directly from the insurer's medical screening help line for certain pre-existing medical conditions. A specimen copy will be made available prior to purchase upon request or alternatively download a specimen copy of the Policy Document, and the Product Informaton Document.

Campbell Irvine Ltd 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 www.fca.org.uk. Headwater Holidays is an Appointed Representative of Campbell Irvine Ltd

Thinking about using your existing credit card insurance? Take a look at our travel insurance comparison.

Exodus Travels Limited, trading as Headwater Holidays, is a member of the Travelopia Group of Companies. Registered UK Office: Origin One, 108 High Street, Crawley, West Sussex, RH10 1BD. Registered in England and Wales No. 1150160. Vat no. 108216835.

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