Essential Standard Cover

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.

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 treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) 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.
e) 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.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
4. Anything mentioned in the general exclusions on page 11.

Section C - Personal accident
Special Definitions (which are shown in Italics)
Loss of limb
- means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
- means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits as shown in the Schedule of Benefits if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, Loss of limb, Loss of sight or Permanent Total Disablement
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one item under this section.
b) Under Permanent Total Disablement until 24 continuous calendar months after the date You sustain Bodily Injury.
c) Under Permanent total disablement if You are able or may be able to carry out any gainful employment or gainful occupation.
What is not covered
1.Claims arising directly or indirectly as a result of your failure to comply with the important conditions relating to Health shown on page 9.
2. Anything mentioned in the general exclusions on page 11.

Section B - Hospital benefit
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits for every complete 24 hours You have to stay in hospital as an in-patient:
a) outside the United Kingdom or
b) within the Channel Islands
as a result of bodily injury or illness you sustain.
We will pay the amount as shown in the Schedule Benefits in addition to any amount payable under section Emergency medical and other expenses.
What is not covered
1. Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into
hospital.
b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until
Your return to the United Kingdom.
c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
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. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.

Section A - Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:

Section A - Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
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.

Section A - Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
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.

Section L - Overseas legal expenses and assistance
What is covered
We will pay You up to the amount shown in the Schedule of Benefits and Excesses for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Where there are two or more insured person(s) insured by this policy, then the maximum amount payable by us shall not exceed double the amount shown in the schedule of benefits.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of Our choice on Our behalf with the expertise to pursue Your claim.
2. You must follow Our agent's advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy.
You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us.
7. If You or Your appointed agents receive any compensation, You must repay Us any legal costs which We have paid up to the amount of the compensation.
What is not covered
We shall not be liable for:-
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
3. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, AXA Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
4. Legal costs and expenses incurred prior to Our written acceptance of the case.
5. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
6. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement), or on the condition that Your action is successful.
7. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement
8. Legal costs and expenses incurred if an action is brought in more than one country.
9. Any claim where in Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
10. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
11. Costs of any Appeal.
12. Claims occurring within the United Kingdom.
13. Claims by You other than in Your private capacity.
14. Anything mentioned in the general exclusions on page 11.

Section J - Mugging
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for every complete period of 24 hours You receive in-patient hospital treatment which is covered under section A Emergency Medical expenses and other expenses as a direct result of a Mugging whilst on Your Trip.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must give notice immediately to the Emergency Assistance Service or Us of any Bodily Injury which necessitates Your admittance to hospital as an in-patient.
2. You must report to the police within 24 hours of You being mugged and obtain from them a written report of the incident.
3. Confirmation of Your injuries and the period of inpatient treatment from the hospital.

Section I - Hijack
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for every complete period of 24 hours in the event of hijack of the transport on which You are travelling.
What is not covered
1. Any claim not substantiated by a written police report confirming the length and exact nature of the incident.
2. Anything mentioned in the general exclusions on page 11.

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

Section G - Missed departure
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses 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 carnage 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 F Travel delay, section G - Holiday abandonment or
section H Missed departure 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 and Excesses.
2. Claims arising directly or indirectly from:
a) Strike or industrial action existing or declared publicly by the date this insurance is purchased by You or the date Your Trip was booked, 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 11.

Section E - 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 and Excesses for the first full 12 consecutive hours delay, followed by the subsequent amount shown in the Schedule of Benefits and Excesses 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.
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 11.
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.

Section D - Personal liability
What is covered
We will pay You up to the amount shown in the Schedule of Benefits and Excesses (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death, illness or disease to any person who is not in Your employment or who is not a Close Relative, Travelling Companion, or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, Your Travelling Companion, a Close Relative, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles, aircraft or watercraft (other than surfboards or manually propelled rowboats, punts or canoes).
d) The transmission of any communicable disease or virus.
e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay for the Excess as detailed in the Schedule of Benefits and Excesses for each and every claim arising from the same incident).
3. Anything mentioned in the general exclusions on page 11.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.

Section K - Kennel/Cattery fees cover
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for every complete period of 24 hours that you are delayed following the delay of your pre booked flight, rail, coach or sea trip to your Home which result in You incurring additional kennel/cattery fees.
What is not covered
1. Any claim where Your pets stay does exceed the pre-booked period of accommodation.
2. Any claim which formed part of the original pre-booked duration for Your pet.
3. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. Your delay must result from an event covered section A Emergency Medical expenses and other expenses

Section H - Catastrophe cover
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses in the event that the tour company is unable to assist and You are forced to move from the pre-booked accommodation as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive which is confirmed in writing by local or national authority for irrecoverable travel or accommodation costs necessarily incurred to continue with the Trip or, if the Trip cannot be continued for Your return Home.
What is not covered
1. Claims where the tour company is responsible.
2. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must obtain a report from local or national authority stating that it was not acceptable for You to remain in Your pre booked accommodation.

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

General conditions applicable to the whole 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
1. Dual Insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to section C Personal accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Statutory Cancellation Rights
You may cancel this policy within 14 days of receipt of the policy documents (new business) or for annual policies the renewal date (the Cancellation Period) by writing to Us at the address shown on Your validation certificate during the Cancellation Period. Any premium already paid will be refunded to You providing You have not travelled and no claim has been made. The policy will be cancelled with
effect from its date of issue.
Cancellation Outside The Statutory Period You may cancel this policy at any time after the Cancellation Period by writing to Us at the address shown on Your validation certificate. If You cancel after the
Cancellation Period no premium refund will be made.
We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made or is intended to be made and no incident likely to give rise to a claim has occurred.
Non payment of premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium.Please note reference to cancellation within the policy summary/key facts document should also be updated with
the text below:
Cancellation Period
If You decide this policy does not meet Your needs You may cancel within 14 days and receive a full refund providing You.
4. Maximum Age Limit
In respect of single trip cover, cover is only available for Insured Persons who are up to and including age 74 years at the time the validation certificate is issued.
In respect of annual multi trip cover, cover is only available for Insured Persons who are up to and including age 74 years at the time the validation certificate is issued.
In respect of backpacker cover, cover is only available for Insured Persons who are up to and including age 45 years at the time the validation certificate is issued.
In respect of winter sports cover, cover is only available for Insured Persons who are up to and including age 65 years at the time the validation certificate is issued.

Excess
- where applicable the Excess is the first amount of each claim, per section, for each separate incident payable for each Insured Person.

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.