| Emergency Medical Assistance Service |
Included |
Medical expertise available 24 hours a day , 365 days a year. The assistance service has experienced multi-lingual co-ordinators, who will , in liaison with your treating doctor or physician, decide the most suitable, practical and reasonable solution to your problem. This may include arranging further medical assistance or repatriation , depending upon medical criteria and your fitness to travel |
As per Section 7, below |
| 1. Medical & Emergency Expenses |
£10,000,000 |
Emergency medical and other expenses (including emergency dental treatment - up to £200) incurred outside your home country.
Transfer of your body or ashes to your home country or reasonable funeral expenses abroad ( up to £3,500).
Reasonable additional travelling expenses incurred in returning home, as a result of an injury or illness to a close relative NOT travelling with you.
Daily benefit payable in the event of in-patient hospitalisation outside your home country. |
*Any pre-existing medical condition unless cover has been agreed in writing and any additional premium paid. ( See Medical Screening Requirements).
*In-patient treatment (or Out-Patient treatment and related expenses over£500) unless this has been agreed by our 24 hour
emergency assistance service. |
Hospital Benefit |
£400 (£20 per day) |
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| Search and Rescue |
£50,000
(£10,000 within your home country) |
Costs incurred as a result of an accident which involves search and emergency rescue |
| 2. Personal Accident |
£10,000 |
A cash sum for accidental bodily injury, loss of sight or limb(s) or permanent total disablement. |
*The Death benefit for persons under 16 is limited to £5,000.
*Certain hazardous activities. |
| 3. Personal Liability |
£2,000,000 |
Cover for compensation you become legally liable to pay for accidents which cause:-
Death or Bodily injury.
Loss or damage to property. |
Cover is not provided for:-
*Injury to your employees, family or travelling companions.
*Property belonging to, or in the custody of, you, a family member or person in your service.
*Your trade, business or profession.
*Claims arising from your use, ownership or possession of any motorised or mechanically propelled watercraft or sailing vessel. |
| 4. Activity Equipment (own) |
£1,000 |
Cover in respect of loss or damage of your own activity equipment. |
As per Section 6
Loss or damage to any motorised mechanically propelled or horse drawn vehicle, any aircraft, motorised or mechanically propelled watercraft or sailing vessel. |
| Single Article Limit |
£400 |
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| Delayed Equipment (over 12 hours) |
£200 |
Hire of essential items if yours are delayed. |
|
| Equipment Hire |
£200 |
If your own equipment is lost or damaged during your trip. |
Expenses that would have been incurred during the normal course of your trip. |
| 5. Legal Expenses |
£25,000 |
Cover for legal costs in pursing a claim against a third party who caused your injury or illness. |
Cover is not provided for claims against Underwriters, Insurer or Insurers Agents. |
| 6. Baggage, Personal Effects, Money and Documents |
£1,500 |
Cover for the loss or damage of your own personal effects. |
No cover will be provided for:-
* Property left unattended away from your locked trip accommodation.
* Property left unattended in a motor vehicle, except between 6.00am and 11.00pm when it is in a locked boot and entry was gained by forcible means.
* Proof of purchase/ownership of lost or stolen items will be required.
* All losses should be reported to the police and a report obtained.
* A Property Irregularity Report (PIR) should be obtained and purchase receipts provided for Baggage delay claims.
* No cover will be provided unless reasonable care for the safety/supervision of the property is taken. |
| Single Article Limit |
(£300) |
|
| Valuables (as defined) Limit |
(£300) |
|
| Personal Money |
£250 |
Cover for loss or theft of your personal money. |
| Baggage Delay |
£200 |
Cover for purchase of essential items if your property is delayed by at least 12 hours on the outward journey. |
| Travel Documents |
£1000 |
Cover for loss of travel documents and if necessary, additional travel and accommodation costs. |
| 7. Loss of Deposit , Cancellation and Curtailment |
£3,000* |
Reimbursement of deposits paid and forfeited for unused travel and accommodation costs if the booked holiday/trip is necessarily and unavoidably cancelled or curtailed as a result of:-
Accident or illness of insured person, close relative, business associate, travelling companion or person you intended staying with;
Compulsory quarantine, jury service or witness in a court of law; qualifying redundancy, withdrawal of Armed Forces leave, or serious damage to your home. |
* Cancellation due to illness or injury, unless supported by a certificate from a medical practitioner confirming the need to cancel.
* Repatriation/Curtailment costs are not covered unless the Emergency Medical Assistance Service has been notified and cover agreed.
* Any pre-existing health condition unless cover has been agreed in writing and any additional premium paid (See page 2 of your Insurance Policy for details of Medical Screening).
* Failure to obtain the required passport/visa.
* Travelling against the advice or recommendations of the British Foreign & Commonwealth office.
* Disinclination to travel. |
| Pre-Paid Activity Courses Limit |
(£1,000)* |
| |
* These Sums Insured may be increased on payment of an additional premium |
| 8. Unexpected Events Travel Disruption |
£1,000 |
Cover for additional travel & accommodation to reach your destination, outside your home country, as a result of delays due to failure of public transport, or your own vehicle breaking down or being involved in an accident. |
No cover is provided:-
* if you fail to check in correctly
* if you do not obtain written confirmation of the delay
* for circumstances already known about when the policy was purchased. |
| Travel Delay |
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Compensation for each 12 hours your booked transport is delayed on either your outward or return journey, or at your option , irrecoverable cancellation costs if your delay exceeds 12 hours on the outward journey |
| each 12 hours delay |
£30 |
| up to a maximum of |
£120 |
| Or |
|
| Cancellation after 12 hours |
£3,000*
(Activity course limit - £1,000)*
* These Sums Insured may be increased on payment of an additional premium. |
Event Excess
An event excess applies to certain sections of the policy and is deductible per claim for a single event or occurrence. The excess will be - |
| * £100 Medical and Emergency Expenses |
* £500 Search and Rescue |
* £50 Activity Equipment (own) |
* £50 Loss of Baggage, Money and Travel Documents. |
| * £100 Cancellation (all sections except loss of deposit claims only-£15) & Curtailment |
* £100 Unexpected Events (travel delay - Abandonment Only) |
|
A £200 excess will apply under Section 3 - Personal Liability, in respect of loss or damage to temporary holiday accommodation.
* Please note that increased excesses may apply under Section 1 - Medical & Emergency Expenses and Section 7 - Loss of Deposit, Cancellation & Curtailment as a result of your contact with the Medical Screening Line. Any increase will be confirmed to you in writing. |
