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Travel Insurance

Under booking condition number 13, Birdfinders insists upon adequate travel insurance being taken out by participants on all overseas tours. It is not a condition of booking that travel insurance is taken out through Birdfinders but, when the final balance is sent, I do need to have a photocopy of the policy document if an alternative policy is purchased, to ensure that the cover is adequate. Birdfinders is able to provide competitive travel insurance from Gold Cover Travellers’ Choice. The decision as to which travel protection insurance is selected is entirely the participant’s and without Birdfinders’ recommendation. A summary of the limits of the sums covered by Gold Cover Premier is as follows. Excesses apply. Premiums are subject to change.

Limits of the sums covered by a Gold Cover policy

Cancellation or curtailmentUp to £5000
Medical expenses and repatriationUp to £10 million
Hospital benefitUp to £20 per day up to £200
Personal accidentUp to £25000
Personal luggageUp to £2000 (single article limit £300)
MoneyUp to £500 (£350 cash)
Personal liabilityUp to £2 million
Delayed/missed departureUp to £400/£1000 respectively
Legal expensesUp to £25000

For more expensive tours, the cancellation cover can be increased in increments of £1000 up to £10,000 by paying an additional premium. Please contact Birdfinders for details. Pre-existing medical conditions are covered subject to prior approval by insurers and if travelling with doctor’s approval, although this may affect the premium due. Premiums include IPT at 20%. The premiums shown below are for a single adult up to the age of 65/69/74/80 (valid until 01/02/2020).

Premiums up to ages 65 / 69 / 74 / 80 are as follows

 EuropeWorldwide excluding North America and CaribbeanWorldwide including North America and Caribbean
Up to 5 days £20.84 / £36.21 / £50.32 / £70.44 £45.64 / £77.42 / £118.28 / £139.77 £55.45 / £94.07 / £143.71 / £169.84
Up to 10 days £28.49 / £49.52 / £68.77 / £96.28 £53.55/ £90.85 / £138.79 / £164.03 £63.58 / £107.88 / £164.80 / £194.77
Up to 17 days £32.81 / £57.02 / £79.18 / £110.85 £61.66 / £104.62 / £159.83 / £188.88 £73.99 / £125.53 / £191.79 / £226.65
Up to 24 days £46.66 / £81.10 / £112.64 / £157.70 £77.12 / £130.85 / £199.91 / £236.26 £92.45 / £156.83 / £239.61 / £283.18

Coronavirus and SARS

Please note that there is now no cover provided under Gold Cover insurance policies for:

Cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises you not to travel, for example where the FCO advises against all but essential travel to an area affected by Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2) or mutation of Coronavirus, COVID-19 or SARS-COV-2.

Any claims as a result of Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARS-COV-2 or any pandemic or fear or threat of any of the above except for the Emergency Medical Expenses section. This section will only be valid if you did not travel against the published advice of the FCO, any local government, local authority or the World Health Organisation.

Payment for travel insurance should be sent as soon as possible and, in any event, not less than one month prior to the final payment date for the policy to be effected. In the event of a holiday being cancelled by Birdfinders due to insufficient participants, the premium will be returned in full. The policy documents will be sent out with the final joining instructions after payment of the final balance. Please note that travel insurance is inadequate to cover specialist optical equipment such as binoculars, telescopes and cameras. It is common practice for these to be insured under the 'all risks' section of house insurance. Please contact your insurance company in this respect. Also, for all European holidays and other countries with reciprocal heath arrangements you will be expected to have a European Health Insurance Card, available free of charge from the NHS:


All the flights and flight-inclusive holidays on this website are financially protected by the ATOL scheme. When you pay you will be supplied with an ATOL Certificate. Please ask for it and check to ensure that everything you booked (flights, hotels and other services) is listed on it. Please see our booking conditions for further information or for more information about financial protection and the ATOL Certificate go to: