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Tenerife is a popular holiday destination with it’s gorgeous weather, long sandy beaches and natural beauty.
Travel to Tenerife for a holiday is unlikely to cause any issues when you apply for life insurance. The key things are if this is a short holiday or you are going to be there for longer.
To check your life insurance options we will ask:
- When are you travelling to Tenerife?
- How long are you staying in Tenerife?
- Are you going to Tenerife for a holiday, to work or to live?
If you are going to Tenerife for a holiday of 30 days or less most insurers in the UK will not be concerned with your travel. They will sometimes want to know more details if you are going to Tenerife for a week or more due to work, but again it’s probably not going to affect your life insurance application as long a you remain UK resident and don’t do a high risk job.
Our expert advisers are here to search the market for you, so you don’t have to, to make sure that you get the best life insurance cover.
British citizens who have moved abroad can often still access life insurance and critical illness cover in the UK. There are specific rules that you must follow to be eligible for new life insurance and critical illness policies, and we are here to strip out the jargon and get you the cover that you need.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Your application for critical illness cover will probably accepted at standard terms if you are going to Tenerife for a short holiday. Trips that are longer than 30 days will be asked about by the insurer, but it’s unlikely to cause much concern to the insurers.
General rule of thumb is that if you are UK resident and spend most of your time in the UK, that the majority of insurers will be ok with extended trips abroad.
Our advisers know which insurers to place your application with so that you get the best terms for critical illness cover.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection applications will usually only be concerned about your travel to Tenerife if it’s longer than 30 days. This is because there starts to be queries over whether you are a UK resident and pay UK tax, which is part of the requirements to start an income protection policy here.
Our expert advisers will listen to your circumstances and let you know the best way to protect your income.
- Primary Concerns: Duration of stay, location
- Reason for Travel: Business, leisure
- Duration of Stay: Holiday break, sabbatical, employment contract
- Popular Locations: Playa da las Americas, Puerto da la Cruz, Costa de Adeje, Los Cristianos
Cura Financial Services has been rated 5 out of 5 based on 724 reviews.
Review by Vj on 14th July 2023
“Good service, would recommend. The advisors worked hard to get me an insurance product, and answered all the questions I had satisfactorily.” - 5
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