Aviva Multi-Trip Travel Insurance (31 days)

Section B Emergency Medical and Associated Expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
a) emergency medical treatment outside the UK (including rescue services to take You to hospital)
b) up to £350 for emergency dental treatment outside the UK to relieve pain
c) any reasonable extra charges for half board accommodation (of a similar standard to the accommodation You had for the rest of Your journey) if You have to stay after the date You were going to return to the UK. We will also pay travel costs, which You have to pay to get back Home if You cannot use Your return ticket to the UK.
d) up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home; and
2. We will pay the cost of getting You Home if it is medically necessary because You are seriously injured or fall seriously ill during Your Trip and You cannot use Your return ticket.
Important Notes
Under items 1a) and b) there is no cover for treatment received in:
- England, Scotland, Wales, Northern Ireland or Isle of Man if You live in one of these areas
- the Channel Islands if You live in the Channel Islands
- Under items 1c) and 2 above, We will also pay the reasonable travel and accommodation costs of one relative or friend who has to travel or stay with You if Your treating Doctor and Our Medical Emergency Assistance provider think that it is necessary.
Special conditions
1. You must phone the Medical Emergency helpline on (+44) 1603 208 044 immediately if You need to go into hospital as an inpatient or if You need to return to the UK.
2. If You are injured or become ill during Your Trip, Our Medical Emergency Assistance provider may:
- move You from one hospital to another; and/or
- arrange for You to return to the UK at any time.
They will only do this if they and the treating Doctor think that it is safe for You to be moved or returned to the UK. If You choose not to move hospital or return to the UK Our liability will end on the date it was deemed safe for You to do so.
The most We will pay
The most We will pay for each Insured Person is £10,000,000.
However, within the UK any payment under items 1c), 1e) and 2 above will be limited to £2,000 for each Insured Person
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered under Sections B and C
1. Any claim for a medical condition if any Insured Person has travelled against the advice of a UK Doctor or would be travelling against the advice of a UK Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3. Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5. Any claim for:
a) the cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance provider has not agreed beforehand
b) the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for
c) any form of treatment that Your treating Doctor and Our Medical Emergency Assistance provider think can reasonably wait until You get back to the UK
d) cosmetic surgery
e) medication which, at the time Your Trip started, You knew that You would need while You were away
f) any extra costs because You have a single or private room
g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre
h) any treatment after You have returned to the UK.
6. Costs incurred following Your decision not to return to the UK after the date when, in the opinion of Our Medical Emergency Assistance provider it was safe for You to do so.
7. Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
8. Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
d) You motorcycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 15 unless Winter Sports cover is shown on Your policy schedule
g) You taking part in a leisure or winter sports activity not listed on page 14-15
h) You taking part in any organised team or contact sport not listed on page 14-15, any sport or competition as a professional or competing in or practising for speed or time trials, sprints or racing of any kind
i) You taking part in expeditions or being a crew member on a vessel travelling from one country to another.
9. Anything mentioned in the General Exclusions on page 41.
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Medical Warranty
Please read this carefully as it may affect Your cover:
1. At the time of buying or renewing Your policy or when booking a Trip (whichever is later), each Insured Person must guarantee the following:
a) You have told Us if You have received advice, medication or treatment for any serious chronic or recurring illness, injury or disease in the last 12 months
b) You have told Us if You are under investigation or awaiting results for any diagnosed or undiagnosed medical condition
c) You have told Us if You are on a waiting list for, or are aware of the need for in-patient treatment for any diagnosed or undiagnosed medical condition
d) You are not travelling against Your UK Doctors advice
e) You have told Us if any Close Relative, Close Business Associate, Travelling Companion, or person You plan to stay with (and upon whose good health Your Trip depends) has a serious, chronic or recurring illness, injury or disease which could have an affect on Your decision to take or continue Your Trip.
f) You have told Us if You have a terminal illness.
2. If, between booking a Trip and the departure date or the renewal date (whichever is sooner) You receive medical advice for a potentially serious illness or injury Your policy will cover You for cancellation of Your Trip. However if You still wish to travel We will advise You if You will be covered for Emergency Medical and Associated Expenses, Hospital Benefit or Abandonment claims relating to this condition.
3. If, between booking a Trip and the departure date or the renewal date (whichever is sooner) anyone upon whose good health Your Trip depends, such as a Close Relative or Your Travelling Companion, receives medical advice for a potentially serious illness or injury Your policy will cover You for cancellation of Your Trip. However if You still wish to travel We will advise You if You will be covered for Abandonment claims relating to this condition.
General Warranty
At the time of buying or renewing Your policy or when booking a Trip (whichever is later), each Insured Person must guarantee that they have told Us of any non-medical reason why the proposed Trip could be cancelled or Abandoned.
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Section N Personal Money
We will cover You for loss or theft of cash (including foreign currency), travellers cheques, non-refundable pre-paid tickets, travel tickets, hotel vouchers, passport and driving licence during Your Trip. Contact Us on (+44) 1603 208 044 and We will advise You how to replace lost or stolen personal money.
Special conditions
1. You must always take reasonable care to keep Your personal money safe. If Your personal money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen personal money and how much it is worth. If You do not, it may affect Your claim.
The most We will pay
The most We will pay for each Insured Person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 applies to Insured Persons under 16.
Excess
We will not pay the first £50 of each Insured Person's claim.
What is not covered
1. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any personal money which is delayed, detained or confiscated by customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of personal money not carried in Your hand baggage while You are travelling.
5. Loss or theft of personal money while it is Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions on page 41.
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Section M Loss of Passport
We will cover You for loss or theft of Your passport while You are abroad. We will pay reasonable extra travel, accommodation and communication expenses You have to pay to get a temporary passport and the cost of the temporary replacement passport. Contact Us on (+44) 1603 208 044 and We will advise You how to replace lost or stolen passports.
Special condition
You must always take reasonable care to keep Your passport safe. If Your passport is lost or stolen You must take all reasonable steps to get it back.
The most We will pay
The most We will pay for each Insured Person is £350.
What is not covered
1. Any loss or theft of Your passport if You do not report it to the police within 24 hours of discovery and get a written police report.
2. Any loss or theft of Your passport while it is Unattended.
3. Anything mentioned in the General Exclusions on page 41.
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Section N Personal Money
We will cover You for loss or theft of cash (including foreign currency), travellers cheques, non-refundable pre-paid tickets, travel tickets, hotel vouchers, passport and driving licence during Your Trip. Contact Us on (+44) 1603 208 044 and We will advise You how to replace lost or stolen personal money.
Special conditions
1. You must always take reasonable care to keep Your personal money safe. If Your personal money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen personal money and how much it is worth. If You do not, it may affect Your claim.
The most We will pay
The most We will pay for each Insured Person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 applies to Insured Persons under 16.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any personal money which is delayed, detained or confiscated by customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of personal money not carried in Your hand baggage while You are travelling.
5. Loss or theft of personal money while it is Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions on page 41.
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Section Q Winter Sports equipment
1. If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of
value using the scale below.
- Up to one year old, 90% of the purchase price
- Up to two years old, 70% of the purchase price
- Up to three years old, 50% of the purchase price
- Up to four years old, 30% of the purchase price
- Over four years old, 20% of the purchase price
The most We will pay is £500 for each Insured Person.
2. If You hire winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair. The most We will pay is £400 for each Insured Person.
3. If We pay under items 1 or 2 above, We will also pay to hire replacement winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured Person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the winter sports equipment safe.If the winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back
2. If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the winter sports equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Deliberate or malicious damage to winter sports equipment caused by the Insured Person.
2. Loss or damage to winter sports equipment caused by the Insured Persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions on page 41.
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Section Q Winter Sports equipment
1. If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of
value using the scale below.
- Up to one year old, 90% of the purchase price
- Up to two years old, 70% of the purchase price
- Up to three years old, 50% of the purchase price
- Up to four years old, 30% of the purchase price
- Over four years old, 20% of the purchase price
The most We will pay is £500 for each Insured Person.
2. If You hire winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair. The most We will pay is £400 for each Insured Person.
3. If We pay under items 1 or 2 above, We will also pay to hire replacement winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured Person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the winter sports equipment safe.If the winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back
2. If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the winter sports equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Person's claim.
What is not covered
1. Deliberate or malicious damage to winter sports equipment caused by the Insured Person.
2. Loss or damage to winter sports equipment caused by the Insured Persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions on page 41. collapse

Section Q Winter Sports equipment
1. If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of
value using the scale below.
- Up to one year old, 90% of the purchase price
- Up to two years old, 70% of the purchase price
- Up to three years old, 50% of the purchase price
- Up to four years old, 30% of the purchase price
- Over four years old, 20% of the purchase price
The most We will pay is £500 for each Insured Person.
2. If You hire winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair. The most We will pay is £400 for each Insured Person.
3. If We pay under items 1 or 2 above, We will also pay to hire replacement winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured Person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the winter sports equipment safe.If the winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back
2. If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the winter sports equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Person's claim.
What is not covered
1. Deliberate or malicious damage to winter sports equipment caused by the Insured Person.
2. Loss or damage to winter sports equipment caused by the Insured Persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions on page 41. collapse

Winter Sports activities
- Cross-country skiing (on recognised paths)
- Dry slope skiing
- Off-piste skiing*
- Off-piste snowboarding*
- Skiing (on recognised pistes)
- Snowboarding (on recognised pistes)
- Sledging
- Snow shoeing
- Snow mobiling +

+ No Personal Liability cover
* With a qualified guide in areas that resort management consider to be safecollapse

Section P Baggage (Optional)
This section only applies if shown on Your policy schedule.
We will cover You for loss, theft or accidental damage to Your personal belongings or baggage during Your Trip.
Special conditions
1. You must take reasonable care to keep Your personal belongings and baggage safe.If Your personal belongings or baggage is lost or stolen, you must take all reasonable steps to get it back.
2. If Your personal belongings or baggage is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If Your personal belongings or baggage is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that you were responsible for the lost, stolen or damaged items and how much they are worth. If you do not do this, it may affect your claim.
5. At Our opinion, we will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of the loss. We will not pay the cost of replacing them with new items, and we will not pay more that the original purchase price of any lost or damaged item.
6. If you have also made a claim under section O - Delayed Baggage this amount will be deducted from the amount claimed under this section.
The most We will pay
The most We will pay for each Insured Person is £1,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £400 in total for Valuables.
Excess
We will not pay the first £50 of each Insured Person's claim.
What is not covered
1. Loss or theft of personal belongings or baggage which You have left Unattended.
2. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3. Pedal cycles, contact lenses, and medical and dental fittings.
4. Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or hotel).
6. Sports equipment that is damaged while it is being used.
7. Winter sports equipment.
8. Any goods delayed, detained or confiscated by customs or other officials.
9. Items used in connection with Your job which are not owned by You.
10. Bonds, securities or documents of any kind.
11. Loss or damage to Valuables not carried in Your hand baggage while You are travelling.
12. Deliberate or malicious damage to personal belongings or baggage caused by an insured person
13. Personal Money
14. Anything mentioned in the General Exclusions on page 41.
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Section P Baggage (Optional)
This section only applies if shown on Your policy schedule.
We will cover You for loss, theft or accidental damage to Your personal belongings or baggage during Your Trip.
Special conditions
1. You must take reasonable care to keep Your personal belongings and baggage safe.If Your personal belongings or baggage is lost or stolen, you must take all reasonable steps to get it back.
2. If Your personal belongings or baggage is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If Your personal belongings or baggage is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that you were responsible for the lost, stolen or damaged items and how much they are worth. If you do not do this, it may affect your claim.
5. At Our opinion, we will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of the loss. We will not pay the cost of replacing them with new items, and we will not pay more that the original purchase price of any lost or damaged item.
6. If you have also made a claim under section O - Delayed Baggage this amount will be deducted from the amount claimed under this section.
The most We will pay
The most We will pay for each Insured Person is £1,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £400 in total for Valuables.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Loss or theft of personal belongings or baggage which You have left Unattended.
2. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3. Pedal cycles, contact lenses, and medical and dental fittings.
4. Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or hotel).
6. Sports equipment that is damaged while it is being used.
7. Winter sports equipment.
8. Any goods delayed, detained or confiscated by customs or other officials.
9. Items used in connection with Your job which are not owned by You.
10. Bonds, securities or documents of any kind.
11. Loss or damage to Valuables not carried in Your hand baggage while You are travelling.
12. Deliberate or malicious damage to personal belongings or baggage caused by an insured person
13. Personal Money
14. Anything mentioned in the General Exclusions on page 41.
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Section P Baggage (Optional)
This section only applies if shown on Your policy schedule.
We will cover You for loss, theft or accidental damage to Your personal belongings or baggage during Your Trip.
Special conditions
1. You must take reasonable care to keep Your personal belongings and baggage safe.If Your personal belongings or baggage is lost or stolen, you must take all reasonable steps to get it back.
2. If Your personal belongings or baggage is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If Your personal belongings or baggage is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that you were responsible for the lost, stolen or damaged items and how much they are worth. If you do not do this, it may affect your claim.
5. At Our opinion, we will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of the loss. We will not pay the cost of replacing them with new items, and we will not pay more that the original purchase price of any lost or damaged item.
6. If you have also made a claim under section O - Delayed Baggage this amount will be deducted from the amount claimed under this section.
The most We will pay
The most We will pay for each Insured Person is £1,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £400 in total for Valuables.
Excess
We will not pay the first £50 of each Insured Person's claim.
What is not covered
1. Loss or theft of personal belongings or baggage which You have left Unattended.
2. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3. Pedal cycles, contact lenses, and medical and dental fittings.
4. Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or hotel).
6. Sports equipment that is damaged while it is being used.
7. Winter sports equipment.
8. Any goods delayed, detained or confiscated by customs or other officials.
9. Items used in connection with Your job which are not owned by You.
10. Bonds, securities or documents of any kind.
11. Loss or damage to Valuables not carried in Your hand baggage while You are travelling.
12. Deliberate or malicious damage to personal belongings or baggage caused by an insured person
13. Personal Money
14. Anything mentioned in the General Exclusions on page 41.
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24-hour Worldwide Medical Emergency Assistance Service
The cost of the Medical Emergency Assistance Service will be met under this insurance. The service will be governed by the terms, conditions and exclusions in this Travel Insurance Policy and will be operated by Our appointed Medical Emergency Assistance provider.
If You need help, please phone (+44) 1603 208 044 or fax (+44) 1603 208 075
An experienced Medical Emergency Assistance co-ordinator will deal with Your enquiry and make sure that:
- where necessary, hospitals are contacted;
- necessary medical fees are guaranteed; and
- medical advisers are consulted.
If any illness or injury means that You need to go into hospital as an in-patient, it is very important that You contact the helpline before You make any admission arrangements. If this is not possible because the condition is serious, You must contact the helpline as soon as possible after You go into hospital. If You need to return to the UK for any reason, it is also important that You contact the helpline before You make any return journey arrangements. It may affect Your claim if You do not contact the Medical Emergency Assistance Service helpline.
What is not covered
1 This is not a general health insurance policy. It only covers You if there is a sudden and unexpected accident or if You become ill. It does not cover non-emergency treatment.
2 We do not cover any payment, which You would normally have made during Your travels and/or which does not fall within the events insured under the terms of this policy.
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Section H Missed Departure
We will cover You for the extra accommodation and travel costs You have to pay to reach Your destination if You arrive at the final point of international departure too late to board the ship, aircraft or train in which You are booked to travel on Your outward journey from the UK or on the final part of Your return journey to the UK, as a direct result of:
1. Failure of scheduled public transport services;
2. Delay to a connecting scheduled flight; or
3. Accidental damage to, or breakdown of, the vehicle in which You are travelling.
Special conditions
1. You must do everything You can to get to the international departure point from or to the UK for the time specified on your ticket/itinerary.
2. You must get a repairers report if You are claiming because the vehicle You were travelling in had an accident or broke down.
3. If You have missed or will miss Your ship, aircraft or train due to one of the reasons listed above, contact (+44) 1603 208 044 and We will contact the carrier for You (if a late arrival is possible) or will make alternative travel arrangements for You, up to the limit payable. Any cost incurred may have to be paid by You and submitted as a claim.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
1. Any claim caused by a strike or industrial action that was planned before You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where You have not done everything You can to reach Your international departure point from or to the UK on time.
3. Any claim where the carrier has offered reasonable alternative transport.
4. Anything mentioned in the General Exclusions on page 41.
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Section A Cancellation Charges
We will cover You for:
1. Deposits You have paid for Your Trip and cannot get back
2. Your unused travel and accommodation costs which You have paid or legally have to pay and cannot get back
3. Unused kennel or cattery or professional carers fees up to £200, which You have paid or legally have to pay and cannot get back;
If, after the date of buying Your policy or booking a Trip (whichever is later), You unavoidably have to cancel Your Trip for one of the reasons below:
1. One of the following people is injured, falls ill, is quarantined or dies:
a) You
b) Your Travelling Companion
c) any person You were going to stay with.
2. One of the following people is seriously injured, falls seriously ill or dies:
a) any Close Relative of Yours or of Your Travelling Companion
b) any Close Business Associate of Yours or of Your Travelling Companion.
3. You or Your Travelling Companion are called for jury service or as a witness in a court of law during the period of insurance.
4. You, Your Travelling Companion or Your domestic partner are made redundant and registered as unemployed with the Employment Service. Cover does not apply to self-employed people.
5. Your Home or Your Travelling Companions Home is badly damaged by fire, storm or flood in the seven days prior to the departure of Your Trip.
6. The police need to talk to You or Your Travelling Companion because Your or their Home or place of work has been burgled.
Special condition
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to cancel Your Trip.
The most We will pay
The most We will pay for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons cancel the same Trip.
For loss of deposits We will not pay the first £10 of each Insured Persons claim.
What is not covered
1. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later).
You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
2. Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You took out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
3. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
4 Any claim that results from any anxiety state, depression, mental, nervous or emotional disorder which had been diagnosed before You took out Your policy or booked Your Trip (whichever is later)
5. Any claim because you dont feel like travelling
6. Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if You, Your Travelling Companion or Your domestic partner knew of the redundancy before You took out Your policy or booked Your Trip (whichever is later).
7. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
9. Any claim for refund of any costs for persons not named on this policy.
10. Anything mentioned in the General Exclusions on page 41.
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Section D Abandonment
We will cover You for:
a) unused accommodation costs that You have paid for before starting Your Trip, or legally have to pay, and cannot get back
b) reasonable additional travel costs to allow You to return Home early if You cannot use Your return ticket
c) reasonable additional accommodation expenses to allow You to return Home early
d) unused kennel, cattery or professional fees up to £200 that You have paid for before starting Your Trip, or legally have to pay, and cannot get back;
If You unavoidably have to Abandon Your Trip because any of the following happen whilst You are away:
1. One of the following people is seriously injured, falls seriously ill, is quarantined or dies:
a) You
b) Your Travelling Companion
c) the person You were going to stay with.
2. One of the following is seriously injured, falls seriously ill or dies.
a) any close relative of yours or of your Travelling Companion
b) any Close Business Associate of Yours or of your travelling companion
3. Your or Your Travelling Companions Home is badly damaged by fire, storm or flood.
4. The police need to talk to You or Your Travelling Companion because Your or their Home or place of work has been burgled.
Special conditions
- If You need to return to the UK and intend to make a claim under this section, You must phone Our Medical Emergency Assistance provider immediately on (+44) 1603 208 044.
- All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to Abandon Your Trip.
The most We will pay
The most We will pay for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1. Any claim for a medical condition if any Insured Person has travelled against the advice of a UK Doctor or would be travelling against the advice of a UK Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy, or booked Your Trip (whichever is later). You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was
disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3. Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You look out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
4. Any claim for a medical condition where You or anyone upon whose good health Your Trip depends has received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
5. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
6. Any claim made because you did not enjoy your trip
7. Any claims which was not authorised by our Medical Emergency Assistance provider before You returned Home.
8. Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
9. Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip, whichever is later
b) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
c) You motorcycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
d) Your involvement in manual work of any kind
e) You taking part in any winter sports activity listed on page 15 unless Winter Sports cover is shown on Your policy schedule
f) You taking part in a leisure or winter sports activity not listed on page 14-15
g) You taking part in any organised team or contact sport not listed on page 14-15, any sport or competition as a professional or competing in or practising for speed or time trials, sprints or racing of any kind
h) You taking part in expeditions or being a crew member on a vessel travelling from one country to another.
10. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
11. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
12. Any claim for refund of any costs for persons not named on this policy.
13. Any claim for additional travelling expenses if You have not purchased a return ticket to the UK.
14. Anything mentioned in the General Exclusions on page 41.
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Section O Delayed Baggage
If Your baggage is temporarily lost on the outward journey and You are without it for more than 12 hours, We will pay for the replacement of essential items. To claim under this section, You must keep the receipt of anything You buy and get written confirmation from the carrier of the number of hours You were without Your baggage.
The most We will pay
The most We will pay for each Insured Person is £150.
What is not covered
1. Any claim for baggage delayed or detained by customs or other officials.
2. Anything mentioned in the General Exclusions on page 41.
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Section G Delayed Departure
If the international ship, aircraft or train that You are booked to travel on is delayed in leaving the UK at its scheduled time of departure on Your outward journey or on the final part of Your return journey to the UK. We will:
1. Pay £25 for every full 12 hour period You are delayed.
2. Refund Your unused travel and accommodation costs which You have paid or legally have to pay but cannot get back if, after You have been delayed for more than 24 hours on Your outward journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel or cattery fees which You cannot get back up to £200.
Special condition
We will work out the length of the delay from the date and time the international ship; aircraft or train should have left. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most We will pay
The most We will pay under item 1 for each Insured Person is £250.
The most We will pay under item 2 for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim under item 2. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1. Any claim caused by a strike or industrial action that was planned before You took out Your policy or booked Your Trip, whichever is later.
2. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
3. Any claim for refund of any costs for persons not named on this policy.
4. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
5. More than one item under this section.
6. Anything mentioned in the General Exclusions on page 41.
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Section G Delayed Departure
If the international ship, aircraft or train that You are booked to travel on is delayed in leaving the UK at its scheduled time of departure on Your outward journey or on the final part of Your return journey to the UK. We will:
1. Pay £25 for every full 12 hour period You are delayed.
2. Refund Your unused travel and accommodation costs which You have paid or legally have to pay but cannot get back if, after You have been delayed for more than 24 hours on Your outward journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel or cattery fees which You cannot get back up to £200.
Special condition
We will work out the length of the delay from the date and time the international ship; aircraft or train should have left. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most We will pay
The most We will pay under item 1 for each Insured Person is £250.
The most We will pay under item 2 for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim under item 2. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1. Any claim caused by a strike or industrial action that was planned before You took out Your policy or booked Your Trip, whichever is later.
2. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
3. Any claim for refund of any costs for persons not named on this policy.
4. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
5. More than one item under this section.
6. Anything mentioned in the General Exclusions on page 41.
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