Essential Standard Cover

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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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 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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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