It’s built around service life. Leisure trips are covered from HM base to HM base, not just from the UK, so you’re protected travelling directly from an overseas posting. Cover is available if your authorised leave is cancelled or you’re called up for operational reasons. There’s a simple medical warranty rather than a long questionnaire, the £40 excess is below the market norm, and enhanced independent traveller cover is included as standard.

The policy covers official military business, including training and temporary duty (TDY). However, claims arising from the operational duties of a member of the Armed Forces are excluded, as are injuries sustained in active combat or military operations. Travel to a high-risk or conflict zone may be covered but must be requested from us directly in advance.

Yes. Under the cancellation and curtailment section, if your authorised leave is cancelled or you’re called up for operational reasons, you can claim for irrecoverable, unused travel and accommodation costs up to £5,000 — provided the cancellation could not reasonably have been expected when you bought the policy or booked the trip.

The policy covers any number of trips during the period of insurance, each up to 45 days in duration. Adults aged up to 65 at inception are eligible. There’s no cover for any single trip lasting longer than 45 days. Family and single-parent-family cover options are available for dependants.

You don’t complete a detailed medical questionnaire, but important conditions relating to health apply. For example, recent inpatient treatment, conditions where you’re on a waiting list, awaiting diagnosis or results, or where a doctor has advised you not to travel may not be covered. Read the ‘Important conditions relating to health’ section of the policy wording before you travel.

Winter sports is an optional add-on for an additional premium. When selected it gives up to 17 days’ cover in a rolling 12-month period, including equipment up to £1,500, equipment hire, ski pack, piste closure and avalanche closure benefits.

For a medical emergency abroad, contact Healix International on +44 (0)20 8763 3489. For all other (non-emergency) travel claims, contact the administrator Sentry Solutions at claim@sentrysolutions.co.uk or +44 (0)20 8667 2467, quoting Absolute Military Travel (scheme ref A28984). Claims should be notified within 31 days, or as soon as possible afterwards.

The policy is arranged by Absolute Military and underwritten by Healix Insurance Services Limited on behalf of Hamilton Insurance DAC, rated A (Excellent) by AM Best and regulated by the Central Bank of Ireland. Both are covered by the FSCS, which provides 90% of a valid claim with no upper limit if either cannot meet its obligations.