Essential Plus

Section A - Emergency medical and other expenses What Is covered We will pay You up to the amount shown in the Schedule of Benefits for the following...expand

Section A - Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or
the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend, Close Relative or Travelling Companion to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your
repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Claims arising directly or indirectly as a result of Your failure to comply with the Important Conditions Relating to Health shown on page 9.
3. Any claims arising directly or indirectly in respect of:
a) The costs of telephone calls other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of taxi fares, other than those for travel to or from hospital relating to Your admission, discharge, attendance for outpatient treatment or appointments or for collection of medication prescribed by the hospital.
c) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
d) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
e) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed until Your return to the United Kingdom.
f) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
g) Additional costs arising from single or private room accommodation.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
i) Any expenses incurred after You have returned to the United Kingdom.
j) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
k) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
l) Normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.
4. Anything mentioned in the general exclusions on page 12.
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Important conditions relating to health Telephone: 0870 066 2732 Medical Screening Lines Opening Hours: Monday to Friday, 9am to 5.30pm Saturdays 10am...expand

Important conditions relating to health
Telephone: 0870 066 2732
Medical Screening Lines Opening Hours:
Monday to Friday, 9am to 5.30pm
Saturdays 10am to 4pm
Ref: Essential Travel Policy
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
Failure to have the above information to hand may result in Your claim being delayed.
It is a condition of this policy that You will not be covered under section O Cancellation or Curtailment charges, section A Emergency medical and other expenses, section B Hospital benefit and section C Personal accident for any claims arising directly or indirectly from:
a. At the time of taking out this policy:
i. Any Medical Condition You have, or have had, for which You are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the
last 2 years unless We have agreed, in writing, to cover You.
ii If You have only one Medical Condition and this is one of those shown in the table of NO SCREEN CONDITIONS** on this page then this will be covered under the policy without the need to contact Us.
iii Any Medical Condition for which You, a Close Relative or a Travelling Companion have received a terminal prognosis.
iv Any Medical Condition for which You, a Close Relative or a Travelling Companion have not had a diagnosis.
v Any Medical Condition for which You, a Close Relative or a Travelling Companion are on a waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.
vi Any circumstances You, are aware of that could reasonably be expected to give rise to a claim on this policy.
unless You have been given Our agreement.
b. You will also not be covered at any time for:
i Any Medical Condition You, have in respect of which a Medical Practitioner has advised You, not to travel or would have done so had You sought his/her advice.
ii Any Medical Condition for which You, are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom or within the Channel Islands.
iii Any Medical Condition for which You, are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
iv Pregnancy or childbirth where You, are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.
** NO SCREEN CONDITIONS (for which You do not have to contact Us if You only have one of these):
Acid reflux
Acne
Attention Deficit
Hyperactivity Disorder
(ADHD)
Allergy (requiring non
prescriptive treatment
only)
Broken bones
Cataracts
Colds or influenza
Dyspepsia
Eczema
Gout
Hayfever
Hypercholesterolaemia
(high cholesterol)
Hysterectomy (provided
carried out more than 6
months ago)
Irritable bowel Syndrome
Menopause
Migraine
Psoriasis
Tonsilitis
Underactive thyroid
Varicose Veins
You should also refer to the general exclusions on page 11.

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Section P - Personal money What is covered We will pay You up to the amounts shown in the Schedule of Benefits for the accidental loss of, theft of or...expand

Section P - Personal money
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Personal Money.
The maximum We will pay for the following items is:
a) For cash (bank notes, currency notes and coins) is as shown in the Schedule of Benefits.
b) If You are under the age of 18, for cash (bank notes currency notes and coins) is as shown in the Schedule of Benefits.
c) For all other Personal Money is as shown in the Schedule of Benefits.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
A Holiday Representatives report is not sufficient.
2. Receipts for items lost, stolen or damaged including foreign currency exchange receipts showing the amount must be retained as these will be required to substantiate Your claim.
3. If Personal Money is lost, stolen or damaged while deposited in a hotel safe or safety deposit box You must report to the hotel, in writing, details of the loss, theft or damage and obtain written confirmation.
4. You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 12.
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Section O - Baggage, Baggage delay and passport What is covered 1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental...expand

Section O - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Baggage/Valuables. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Valuables). The maximum We will pay for the following items is:
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
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Personal Money - means bank notes, currency notes and coins in current use, travellers' and other cheques, travel tickets, event and entertainment tickets,...expand

Personal Money
- means bank notes, currency notes and coins in current use, travellers' and other cheques, travel tickets, event and entertainment tickets, United Kingdom driving licence and
credit/debit or charge cards all held for private purposes.collapse

Section R1 - Ski equipment What is covered We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or...expand

Section R1 - Ski equipment
What is covered
We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or damage to Your own Ski Equipment, or for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (calculated from the table below) or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment.

Age of Item Amount Payable

Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - No Payment
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) for owned Ski Equipment as shown in the Schedule of Benefits.
c) for hired Ski Equipment as shown In the Schedule of Benefits.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip, You must obtain an official report from a retailer confirming the item is damaged and beyond repair. 3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the
care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim. You may claim under only one of the following sections: section Q - Sports Equipment or section R1 - Ski Equipment for the same event.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Claims arising from Ski Equipment left Unattended in a place to which the general public has access (e.g. on the slopes) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
6. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
7. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
8. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
9. Anything mentioned in the general exclusions on page 12.
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Section R1 - Ski equipment What is covered We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or...expand

Section R1 - Ski equipment
What is covered
We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or damage to Your own Ski Equipment, or for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (calculated from the table below) or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment.

Age of Item Amount Payable

Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - No Payment
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) for owned Ski Equipment as shown in the Schedule of Benefits.
c) for hired Ski Equipment as shown In the Schedule of Benefits.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip, You must obtain an official report from a retailer confirming the item is damaged and beyond repair. 3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the
care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim. You may claim under only one of the following sections: section Q - Sports Equipment or section R1 - Ski Equipment for the same event.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Claims arising from Ski Equipment left Unattended in a place to which the general public has access (e.g. on the slopes) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
6. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
7. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
8. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
9. Anything mentioned in the general exclusions on page 12.
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Section R1 - Ski equipment What is covered We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or...expand

Section R1 - Ski equipment
What is covered
We will pay You, up to the amount shown in the Schedule of Benefits, for the accidental loss of, theft of or damage to Your own Ski Equipment, or for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (calculated from the table below) or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment.

Age of Item Amount Payable

Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - No Payment
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) for owned Ski Equipment as shown in the Schedule of Benefits.
c) for hired Ski Equipment as shown In the Schedule of Benefits.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip, You must obtain an official report from a retailer confirming the item is damaged and beyond repair. 3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the
care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim. You may claim under only one of the following sections: section Q - Sports Equipment or section R1 - Ski Equipment for the same event.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Claims arising from Ski Equipment left Unattended in a place to which the general public has access (e.g. on the slopes) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
6. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
7. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
8. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
9. Anything mentioned in the general exclusions on page 12.
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Section O - Baggage, Baggage delay and passport What is covered 1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental...expand

Section O - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Baggage/Valuables. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Valuables). The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) the total for all Valuables is as shown in the Schedule of Benefits.
2. We will also pay You up to the amounts as shown in the Schedule of Benefits for;
a) the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is
obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage/Valuables.
2. If Valuables are lost, stolen or damaged while in a hotel safe or safety deposit box You must report to the hotel, in writing, details of the loss, theft or damage and obtain written confirmation.
3. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 8 a.m. (local time) or
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot, locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
4. Loss or damage due to delay, confiscation or detention by customs or other authority
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones, documents of any kind, bonds, securities, perishable goods, bicycles, Sports Equipment (including Golf Equipment and Ski Equipment) and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of Sports Equipment or damage to sports clothing whilst in use. 8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage/Valuables.
11. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
12. Claims arising from Baggage left Unattended in a place to which the general public has access (e.g. on a beach/around a swimming pool) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
13. Claims arising for Personal Money.
14. Anything mentioned in the general exclusions on page 12.
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Section O - Baggage, Baggage delay and passport What is covered 1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental...expand

Section O - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Baggage/Valuables. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Valuables). The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) the total for all Valuables is as shown in the Schedule of Benefits.
2. We will also pay You up to the amounts as shown in the Schedule of Benefits for;
a) the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is
obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage/Valuables.
2. If Valuables are lost, stolen or damaged while in a hotel safe or safety deposit box You must report to the hotel, in writing, details of the loss, theft or damage and obtain written confirmation.
3. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 8 a.m. (local time) or
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot, locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
4. Loss or damage due to delay, confiscation or detention by customs or other authority
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones, documents of any kind, bonds, securities, perishable goods, bicycles, Sports Equipment (including Golf Equipment and Ski Equipment) and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of Sports Equipment or damage to sports clothing whilst in use. 8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage/Valuables.
11. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
12. Claims arising from Baggage left Unattended in a place to which the general public has access (e.g. on a beach/around a swimming pool) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
13. Claims arising for Personal Money.
14. Anything mentioned in the general exclusions on page 12.
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Section O - Baggage, Baggage delay and passport What is covered 1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental...expand

Section O - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Baggage/Valuables. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Valuables). The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) the total for all Valuables is as shown in the Schedule of Benefits.
2. We will also pay You up to the amounts as shown in the Schedule of Benefits for;
a) the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is
obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage/Valuables.
2. If Valuables are lost, stolen or damaged while in a hotel safe or safety deposit box You must report to the hotel, in writing, details of the loss, theft or damage and obtain written confirmation.
3. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 8 a.m. (local time) or
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot, locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
4. Loss or damage due to delay, confiscation or detention by customs or other authority
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones, documents of any kind, bonds, securities, perishable goods, bicycles, Sports Equipment (including Golf Equipment and Ski Equipment) and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of Sports Equipment or damage to sports clothing whilst in use. 8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage/Valuables.
11. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
12. Claims arising from Baggage left Unattended in a place to which the general public has access (e.g. on a beach/around a swimming pool) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
13. Claims arising for Personal Money.
14. Anything mentioned in the general exclusions on page 12.
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Section O - Baggage, Baggage delay and passport What is covered 1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental...expand

Section O - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits for the accidental loss of, theft of or damage to Baggage/Valuables. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Valuables). The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits.
b) the total for all Valuables is as shown in the Schedule of Benefits.
2. We will also pay You up to the amounts as shown in the Schedule of Benefits for;
a) the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is
obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage/Valuables.
2. If Valuables are lost, stolen or damaged while in a hotel safe or safety deposit box You must report to the hotel, in writing, details of the loss, theft or damage and obtain written confirmation.
3. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 8 a.m. (local time) or
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot, locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
4. Loss or damage due to delay, confiscation or detention by customs or other authority
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones, documents of any kind, bonds, securities, perishable goods, bicycles, Sports Equipment (including Golf Equipment and Ski Equipment) and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of Sports Equipment or damage to sports clothing whilst in use. 8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage/Valuables.
11. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
12. Claims arising from Baggage left Unattended in a place to which the general public has access (e.g. on a beach/around a swimming pool) or left in the custody of anyone other than an Insured Person or Your Travelling Companion.
13. Claims arising for Personal Money.
14. Anything mentioned in the general exclusions on page 12.
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Emergency and medical service Contact the Emergency Assistance Service on + 44 (0) 845 271 2466 Ref: Essential Travel Policy In the event of Your Bodily...expand

Emergency and medical service
Contact the Emergency Assistance Service on + 44 (0) 845 271 2466
Ref: Essential Travel Policy
In the event of Your Bodily Injury or Illness which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home or in the event of You incurring medical expenses in excess of £250 You must contact the Emergency Assistance Service. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact the Emergency Assistance Service as soon as possible.
Private medical treatment is not covered unless authorised specifically by the Emergency Assistance Service.
Medical assistance abroad
The Emergency Assistance Service has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. The Emergency Assistance Service will also arrange transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at Home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, the Emergency Assistance Service will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact the Emergency Assistance Service for You as soon as possible.
For out-patient treatment, You should pay the hospital/clinic Yourself and claim back medical expenses from Us on Your return Home. Beware of requests for You to sign for excessive treatment or charges. If in
doubt regarding any such requests, please call the Emergency Assistance Service for guidance.
You must contact the Emergency Assistance Service immediately in the event of You incurring medical expenses in excess of £250 relating to any one incident Contact the Emergency Assistance Service on
telephone number: + 44 (0) 845 271 2466

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Section H - Missed departure What is covered We will pay You up to the amount as shown in the Schedule of Benefits for reasonable additional accommodation...expand

Section H - Missed departure
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination
or returning to the United Kingdom if You fail to arrive at the international departure point in time to board the scheduled Public Transport on which You are booked to travel on the initial international journey of the Trip as a result of:
1. the failure of scheduled Public Transport or
2. an accident to or breakdown of the vehicle in which You are travelling or
3. an accident or breakdown occurring ahead of You on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which You are travelling or
4. strike, industrial action or adverse weather conditions. You may claim under only one of the following sections: section E - Travel delay, section F - Holiday abandonment, section G - Missed departure or section Q5 Delay due to avalanche for the same event.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the scheduled Public Transport or other transport to arrive on schedule and to deliver You to the departure point.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly announced by the date You purchased this insurance or at the time of booking any Trip whichever is the later.
b) An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report is not provided.
c) Breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and maintained in accordance with manufacturers instructions.
d) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
4. Anything mentioned in the general exclusions on page 12.
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Section B - Cancellation or Curtailment charges What is covered We will pay You up to the amount shown in the Schedule of Benefits for any irrecoverable...expand

Section B - Cancellation or Curtailment charges
What is covered
We will pay You up to the amount shown in the Schedule of Benefits for any irrecoverable unused travel and accommodation costs (including excursions up to £100 and timeshare management charges up to a £500 per week) and other pre-paid charges which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if:
a) Cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) Your Travelling Companion
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative
e) Your Close Business Associate.
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or Your Travelling Companion.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or Your Travelling Companion.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled for operational reasons, provided that such Cancellation or Curtailment could not reasonably have been expected at the time when You purchased this insurance or at the time of booking any Trip.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
Special conditions relating to claims
1. It is a condition of the policy that You contact AXA Assistance prior to any Curtailment of Your Trip.
2. You must obtain a medical certificate from a Medical Practitioner and prior approval of AXA Assistance to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness.
3. If You cancel the trip due to:
a) stress, anxiety, depression or any other mental or nervous disorder that You are suffering from You must provide a medical certificate from a consultant specialising in the relevant field; or
b) any other illness or Bodily Injury, You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
4. If You fail to notify the travel agent tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the Cancellation charges that would have applied had failure not occurred.
4. Your failure to obtain a letter of confirmation from Your timeshare management company confirming that You were unable to spacebank or re-let Your timeshare and the dates applicable.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Claims arising directly or indirectly as a result of Your failure to comply with the Important conditions relating to Your health shown on page 9.
3. The cost of Airport Departure Duty where separately identified.
4. Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier).
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to Cancellation or Curtailment of the Trip.
c) Normal pregnancy, without any accompanying Bodily Injury, illness, disease or complication. This section is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event.
5. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
6. Your failure to obtain the required passport or visa.
7. Claims where You were able to spacebank or re-let Your timeshare accommodation during the 12 month period immediately following Your planned holiday date.
8. Anything mentioned in the general exclusions on page 12.
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Section F - Travel delay What is covered If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure...expand

Section F - Travel delay
What is covered
If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the scheduled Public Transport on which You are booked to travel
We will pay You:
1. up to the amount shown in the Schedule of Benefits for the first full 12 consecutive hours delay, followed by the subsequent amount shown in the Schedule of Benefits for each full 12 hours delay thereafter up to a maximum as shown in the Schedule of Benefits. You may claim under only one of the following sections: section F Travel delay, section G - Holiday abandonment or section H Missed departure for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You or the date Your Trip was booked, whichever is the later.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
2. Anything mentioned in the general exclusions on page 12.
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Section F - Travel delay What is covered If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure...expand

Section F - Travel delay
What is covered
If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the scheduled Public Transport on which You are booked to travel
We will pay You:
1. up to the amount shown in the Schedule of Benefits for the first full 12 consecutive hours delay, followed by the subsequent amount shown in the Schedule of Benefits for each full 12 hours delay thereafter up to a maximum as shown in the Schedule of Benefits. You may claim under only one of the following sections: section F Travel delay, section G - Holiday abandonment or section H Missed departure for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You or the date Your Trip was booked, whichever is the later.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
2. Anything mentioned in the general exclusions on page 12.
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Section G - Holiday abandonment What is covered If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final...expand

Section G - Holiday abandonment
What is covered
If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 24 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the scheduled Public Transport on Which You are booked to travel
We will pay You:
1. Up to the amount as shown in the Schedule of Benefits for any irrecoverable unused travel and accommodation costs and other pre.-paid charges which You have paid or are contracted to pay if after a minimum 24 hours has elapsed, You choose to cancel Your Trip. You may claim under only one of the following sections: section F Travel delay, section G Holiday abandonment or section H Missed departure for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You or the date Your Trip was booked, whichever is the later.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 12.
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In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card We will not apply...expand

In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card We will not apply the deduction of Excess under section A - Emergency
medical and other expenses.collapse