Lady Insure Backpacker Gold (Extended)

Section B - Medical and other expenses
Please remember
This section does not apply if you become ill or are injured during trips in your home country, England, Scotland, Wales, Northern Ireland and the Isle of Man (or your final country if you are on a one-way trip). If you go into hospital, you must tell us immediately.
What you are covered for
We will pay up to the amount shown in the table of benefits on pages 1 and 2 for the following. We will pay any costs that are necessary and reasonable as a result of you being unexpectedly injured or ill during your trip.
1 Emergency medical, surgical and hospital treatment and ambulance costs. (You are covered up to £250 for emergency dental treatment, as long as it is to immediately relieve pain only.)
2 Up to £5000 for the cost of returning your body or ashes to your home country (or your final country if you were on a one-way trip), or for the cost of a funeral in the country where you die if this is outside your home country (or your final country if you were on a one-way trip).
3 Up to £1000 for the cost of returning your body or ashes to your home if you die in your home country, (or your final country if you were on a one-way trip).
4 Extra accommodation (a room only) and travel expenses to allow you to return to your home country (or your final country if you are on a one-way trip) if you cannot return as
you originally booked. You must have our permission to do this.
- Extra accommodation (a room only) for someone to stay with you and the costs for travelling home with you, if this is necessary due to medical advice.
- The costs for one relative or friend to travel from your home country to stay with you (a room only) and travel home with you, if this is necessary due to medical advice.
5 We will pay to return you to your home country (or your final country if you are on a one-way trip) if we think this is medically necessary.
Please remember
If, due to unexpected circumstances that are beyond your control and which fall under the conditions of this cover, you cannot finish your holiday within the period of insurance set out on your
validation certificate, we will extend your cover for up to 30 days. We will not charge you for this.
Special exclusions which apply to section B
We will not cover the following.
1 The excess shown in the table of benefits on pages 1 and 2.
2 Any treatment or surgery which we think you do not need immediately and can wait until you return home. Our decision is final.
3 Any costs of treatment or surgery that was carried out more than 12 months after the date of the incident which you are claiming for.
4 The extra cost of single- or private-room accommodation unless it is medically necessary.
5 Any medical treatment that you receive because of a medical condition or any illness related to a medical condition which you knew about and could be expected to lead to a claim.
This applies to you, a relative, business associate or person you are travelling with, and any person you were depending on for the trip.
6 Any treatment or medication that you receive after you return to your home country (or your final country if you are on a one-way trip).
7 Any extra costs after the time when, in our medical advisors opinion, you are fit to return to your home country (or your final country if you are on a one-way trip).
8 Any medical treatment that you receive after you have refused the offer of returning to your home country, when, in the opinion of our medical advisors, you are fit to travel.
9 Any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy or childbirth.
10 The cost of any phone calls, other than the first call to us to tell us about the medical problem. The cost of any taxi fares, unless a taxi is being used instead of an ambulance. The cost
of any food and drink (unless these are a part of your hospital costs if you are kept as an inpatient).
11 Costs of more than £500 which we have not agreed beforehand.
12 Any medical treatment or tests you have planned or expect to have.
13 Any costs that result from taking part in winter sports or dangerous activities, unless you have paid the winter sports or dangerous activities premium or bought annual multi-trip cover which includes cover for winter sports.
14 Treatment or services provided by a private clinic or hospital, health spa, convalescent home or any rehabilitation centre, unless we have agreed that this is medically necessary.
15 Cosmetic treatment, unless we have agreed that this treatment is necessary as the result of an accident covered under this policy.
16 Any costs that are as a result of a tropical disease, if you have not had the recommended vaccinations or taken the recommended medication.
Please read the general conditions and exclusions.
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E2 - Personal money
(This section is only available if your validation certificate shows that cover applies.)
We will pay for the following
1 We will pay up to the amount shown in the table of benefits if you lose or have cash or travellers cheques stolen. You must give us proof that you owned them and proof of their value. (This includes receipts, bank statements and cash-withdrawal slips.)
2 We will only pay up to the amount shown in the table of benefits for any money lost or stolen from a beach or side of a pool.collapse

Section M - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for the following.
1 Accidentally losing, or having your skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings or ice skates damaged or stolen.
Please remember: We will work out claims for your winter sports equipment that you own as follows.
How old is the equipment? How much will you get back?
- Up to 12 months old 90% of the price you paid
- Up to 24 months old 70% of the price you paid
- Up to 36 months old 50% of the price you paid
- Up to 48 months old 30% of the price you paid
- Up to 60 months old 20% of the price you paid
- Over 60 months old Nothing
2 If you lose or have your pass for the ski lift stolen, we will pay you the unused percentage of the cost of your pass based on its value at the time it was lost or stolen.
Special exclusions which apply to section M
We will not cover the following.
1 The excess shown in the table of benefits on pages l and 2.
2 Any item that was lost or stolen if you did not report it to the police within 24 hours of discovering it, and you did not get a written police report for it.
3 Any winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time. You must make any claims to the airline within seven days.
4 Winter sports equipment you left unattended in a public place unless the claim is about skis, poles or snowboards, and you have taken all reasonable care to protect them by leaving
them in a ski rack between 10am and 8pm.
5 Any winter sports equipment that is lost or damaged by people it was not designed for.
Special conditions which apply to section M
Under this policy you must:
1 bring any damaged winter sports equipment you own back to your home country so we can inspect it; and
2 provide evidence that you owned the original lift pass and provide proof of the replacement lift pass you bought in the resort.
Please remember:
You should make claims about you losing your winter sports equipment or it being stolen or damaged while being held by an airline, to the airline first. Any money you get under this policy will be reduced by the amount of compensation you receive from the airline for the same event. Please read the general conditions and exclusions.
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Section M - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for the following.
1 Accidentally losing, or having your skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings or ice skates damaged or stolen.
Please remember: We will work out claims for your winter sports equipment that you own as follows.
How old is the equipment? How much will you get back?
- Up to 12 months old 90% of the price you paid
- Up to 24 months old 70% of the price you paid
- Up to 36 months old 50% of the price you paid
- Up to 48 months old 30% of the price you paid
- Up to 60 months old 20% of the price you paid
- Over 60 months old Nothing
2 If you lose or have your pass for the ski lift stolen, we will pay you the unused percentage of the cost of your pass based on its value at the time it was lost or stolen.
Special exclusions which apply to section M
We will not cover the following.
1 The excess shown in the table of benefits on pages l and 2.
2 Any item that was lost or stolen if you did not report it to the police within 24 hours of discovering it, and you did not get a written police report for it.
3 Any winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time. You must make any claims to the airline within seven days.
4 Winter sports equipment you left unattended in a public place unless the claim is about skis, poles or snowboards, and you have taken all reasonable care to protect them by leaving
them in a ski rack between 10am and 8pm.
5 Any winter sports equipment that is lost or damaged by people it was not designed for.
Special conditions which apply to section M
Under this policy you must:
1 bring any damaged winter sports equipment you own back to your home country so we can inspect it; and
2 provide evidence that you owned the original lift pass and provide proof of the replacement lift pass you bought in the resort.
Please remember:
You should make claims about you losing your winter sports equipment or it being stolen or damaged while being held by an airline, to the airline first. Any money you get under this policy will be reduced by the amount of compensation you receive from the airline for the same event. Please read the general conditions and exclusions.
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Section M - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for the following.
1 Accidentally losing, or having your skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings or ice skates damaged or stolen.
Please remember: We will work out claims for your winter sports equipment that you own as follows.
How old is the equipment? How much will you get back?
- Up to 12 months old 90% of the price you paid
- Up to 24 months old 70% of the price you paid
- Up to 36 months old 50% of the price you paid
- Up to 48 months old 30% of the price you paid
- Up to 60 months old 20% of the price you paid
- Over 60 months old Nothing
2 If you lose or have your pass for the ski lift stolen, we will pay you the unused percentage of the cost of your pass based on its value at the time it was lost or stolen.
Special exclusions which apply to section M
We will not cover the following.
1 The excess shown in the table of benefits on pages l and 2.
2 Any item that was lost or stolen if you did not report it to the police within 24 hours of discovering it, and you did not get a written police report for it.
3 Any winter sports equipment that you lost or was stolen or damaged during a journey, unless you report this to the carrier and get a property irregularity report at the time. You must make any claims to the airline within seven days.
4 Winter sports equipment you left unattended in a public place unless the claim is about skis, poles or snowboards, and you have taken all reasonable care to protect them by leaving
them in a ski rack between 10am and 8pm.
5 Any winter sports equipment that is lost or damaged by people it was not designed for.
Special conditions which apply to section M
Under this policy you must:
1 bring any damaged winter sports equipment you own back to your home country so we can inspect it; and
2 provide evidence that you owned the original lift pass and provide proof of the replacement lift pass you bought in the resort.
Please remember:
You should make claims about you losing your winter sports equipment or it being stolen or damaged while being held by an airline, to the airline first. Any money you get under this policy will be reduced by the amount of compensation you receive from the airline for the same event. Please read the general conditions and exclusions.
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Section E - Personal belongings, baggage and money
What you are covered for
We will pay up to the amount shown in the table of benefits on pages 1 and 2 for the following.
E1 - Personal belongings and baggage
(This section is only available if your validation certificate shows that this cover applies.)
We will pay for the following
1 After taking off an amount for wear, tear and loss of value, we will replace or pay for an item that you own that you have lost or that has been damaged or stolen. There is a limit for each item, set or pair, and for valuables as set out in the table of benefits.
2 We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed during an outward journey for more than 12 hours. You must get
written confirmation of the length of the delay from the appropriate airline or transport company, and receipts for any items that you buy. We will take any payment we make
for delayed baggage from the amount of any claim if your baggage is permanently lost.
3 We will only pay up to the amount shown in the table of benefits for any cigarettes or alcohol lost, damaged or stolen.
Special exclusions which apply to section E
We will not cover the following.
1 The excess shown in the table of benefits on pages 1 and 2 (except for section E1 'Baggage delay).
2 Anything that you lost or was stolen which you did not report to the police within 24 hours of discovering it, and which you do not get a written police report for.
3 Any baggage or personal belongings that you lost or were stolen damaged or delayed during a journey, unless you reported this to the carrier and got a property irregularity report from them at the time of the loss. You must make any claims for lost, stolen or damaged items to the airline within seven days. You must make any claims for delayed baggage to the airline within 21 days of getting it back.
4 Any money or valuables that you lose or have stolen from an unattended motor vehicle.
5 Fragile items (including china, glass, sculpture and video equipment) or sports equipment that are broken while being used, unless they are transported by a carrier and the damage is caused by a fire or other accident to the sea vessel, aircraft or vehicle they are being carried in.
6 Bicycles, motor vehicles, motor-vehicle accessories, motorcycles, motorcycle accessories, marine equipment and craft, household goods and winter sports equipment that you lose or are stolen or damaged (unless you have paid the appropriate winter sports premium).
7 Mobile phones and mobile phone accessories, prepaid minutes you have not used, mobile rental charges or prepayments (for example, a contract phone with free minutes and text messages), false teeth, bridgework, contact or corneal lenses, prescription sunglasses or spectacles, sunglasses, artificial limbs or perishable items (items that decay or rot and will not last for long, for example, food).
8 Stamps and documents (other than those mentioned under section E3), business items or samples or business money that you have lost or is stolen or damaged.
9 Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by cleaning, repairing or restoring damage caused by leaking powder or fluid in your baggage.
10 Shortages of money due to mistakes, neglect, or different exchange rates.
11 Belongings that are legally delayed or held by any customs or other officials.
12 Cash or passports that you do not carry with you on your person (unless they are held in a locked safety-deposit box).
13 Any valuables that you do not carry in your hand baggage and you lose or are stolen or damaged.
14 Any item you cannot prove you owned or prove the value of (for example, with original receipts).
15 Property you leave unattended (other than in your locked accommodation).
16 Any claim for jewellery (other than wedding rings) you lose while swimming or taking part in dangerous activities.
17 Damage caused to suitcases, holdalls or similar luggage, unless you cannot use the damaged item.
18 Any personal belongings or baggage you lose or are stolen while they are not in your control or while they are in the control of any person other than an airline or carrier.
19 A passport that you lose if you:
- do not report it to the consular representative of your home country within 24 hours of discovering you have lost it; and
- get a report confirming the date you lost it and the date you received a replacement passport.
20 Travellers cheques where the provider will replace losses and will only charge you a service charge.collapse

Section G - Missed departure
This section does not apply for trips in your home country, England, Scotland, Wales, Northern Ireland and the Isle of Man.
What you are covered for
We will pay up to the amount shown in the table of benefits for the extra reasonable costs of travel and accommodation you need if you cannot reach the original departure point of your trip on the outward or final return journey. This can be because public-transport services fail (due to poor weather conditions, a strike, industrial action or a mechanical breakdown) or the vehicle you are travelling in is involved in an accident or has a mechanical breakdown. (This would not include your vehicle running out of petrol, having a flat tyre, puncture or flat battery.)
Special exclusion which applies to section G
We will not cover the excess shown in the table of benefits on pages 1 and 2.
Special conditions which apply to section G
Under this policy you must:
1 leave enough time to arrive at your departure point at or before the recommended time;
2 get confirmation of the reason for the delay and how long it lasts from the appropriate authority; and
3 give us evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation (if your claim is about your own vehicle suffering a mechanical breakdown).
Please read the general conditions and exclusions.
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Section A - Cancelling and cutting short your holiday
What you are covered for
If you have to cancel or cut short your trip because of one of the reasons listed below we will pay up to the amount shown in the table of benefits on pages 1 and 2 for:
- travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back, including any local prepaid excursions, tours or activities, if it is necessary and you cannot avoid cancelling or cutting short your trip; and
- reasonable extra travel costs if it is necessary and you cannot avoid cutting short your trip.
The following are reasons we will accept for you cancelling or cutting short your trip.
1 You die, become seriously ill or get injured.
2 A relative, business associate, a person you have booked to travel with or a relative or friend living abroad who you plan to stay with, dies, becomes seriously ill or gets injured.
3 You have to go to court to be a witness or be on a jury (but not as an expert witness) or you are put in quarantine.
4 There is an accident involving a vehicle you were planning to travel in, which happens within seven days before the date you planned to leave and means you cannot use the vehicle. This only applies to self-drive holidays.
5 You are a member of the armed forces, police, fire, nursing or ambulance services and you have to stay in your home country because of an emergency or you are posted overseas unexpectedly.
6 You are made redundant, as long as you are entitled to payment under the current redundancy payments law and, at the time of booking your trip, you had no reason to believe you would be made redundant.
7 The police need you to stay in your home country after a fire, storm, flood or burglary at your home or place of business within 48 hours before the date you planned to leave.
8 The police need you to return home to your home country after a fire, storm, flood or burglary at your home or place of business.
9 You cannot travel because of government restrictions after an epidemic, for example, the Foreign and Commonwealth Office (FCO) advise you not to go to the destination because there has been an outbreak of avian flu.
10 If you become pregnant after we have sold you this policy, and you will be more than 32 weeks pregnant at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy or childbirth. If you will be more than 32 weeks pregnant at the start of, or during, your trip and you still choose to travel, you may not claim for cutting short your trip unless as a result of the complications of pregnancy or childbirth.
Special exclusions which apply to section A
We will not cover the following.
1 The excess shown in the table of benefits on pages 1 and 2.
2 You not wanting to travel.
3 Any extra costs that result from you not telling the holiday company as soon as you know you have to cancel your holiday.
4 Cancelling or cutting short your trip because of a medical condition or any illness related to a medical condition you knew about that could lead to a claim. This applies to you, a relative, business associate or a person you are travelling with, and any person you were depending on for the trip.
5 Any claim that comes from pregnancy or childbirth, except as provided for under the benefits in section B, unless a qualified medical practitioner confirms that the claim comes from the complications of pregnancy or childbirth.
6 The cost of your original return trip, if you have already paid this and you need to cut short your journey.
7 The cost of going back to the original destination to finish your trip and the costs of more accommodation there.
8 You cutting short your trip and and not returning to your home country.
9 You not getting the passport or visas you need.
10 The cost of visas you need for your trip.
11 Civil commotion, strikes, blockades, actions taken by the government of any country or the threat of an event like this.
12 Airport taxes and administration fees included in the cost of your flights.
13 Claims that result from an actual or planned strike or industrial action which the public knew about at the time you booked the trip.
14 The provider (for example, an airline, hotel, ferry company and so on) not providing any part of the trip you have booked, (this could be a service or transport) unless the event is covered by this policy. If this happens, you should claim against the provider.
15 Compensation for any airmiles or holiday points you used to pay for the trip in part or in full.
16 Any claim as a result of your passport or travel documents being lost or stolen.
Please remember
We will work out claims for cutting short your holiday from the day you return to your home country (or your final country if you are on a one-way trip), or from the day you have to go into hospital as an inpatient to the day you are discharged. Your claim will only be based on the number of full days you have not used.
Special conditions which apply to section A
1 You must get our permission if you have to cut your holiday short and return early to your home country (or your final country if you are on a one-way trip) for an insured reason.
2 We will only consider the unused expenses of a person who has taken out insurance cover with InsureandGo. For example, if you are travelling with someone who is not insured, we only
pay your costs, not theirs.
3 If you cancel the trip because of an illness or injury you must get a medical certificate from the general practitioner saying that this prevented you from travelling. Please read the general conditions and exclusions.
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Section F - Abandoning your holiday and travel delay
Please remember
You are entitled to claim for either travel delay or abandoning your holiday, but not for both.
This section does not apply for trips in your home country, England, Scotland, Wales, Northern Ireland and the Isle of Man.
What you are covered for
If the first part of your booked outward or final return international journeys (by aircraft, ship, cruise ship, coach or crosschannel train) is delayed because of a strike or industrial action,
poor weather conditions or a mechanical breakdown we will pay for travel delay or abandonment up to the amounts shown on the table of benefits. You must be delayed by at least 12 hours on each occasion.
Travel delay
We will pay for each full 12-hour period you are delayed (up to the amount shown in the table of benefits), as long as you eventually go on the trip.
Abandoning your trip
If you have to cancel your outward trip as a result of a delay lasting more than 12 hours where the delay has been caused by a strike or industrial action, poor weather conditions or a mechanical breakdown, we will pay for your unused travel and accommodation expenses, including any local prepaid excursions, tours or activities, up to the amount shown in the table of benefits after any amount that you can get back is taken off.
Special exclusions which apply to section F
We will not cover the following.
1 The excess shown in the table of benefits on pages 1 and 2 for abandoning your holiday.
2 Any claim that results from you missing a connecting flight.
3 Any claim that results from a public demonstration, civil unrest (such as war or riots) or a protest.
4 Claims that result from an actual or planned strike or industrial action, which the public knew about at the time you made travel arrangements for the trip.
Special conditions which apply to section F
Under this policy you must:
1 have checked in for your trip at or before the recommended time; and
2 get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
You should make claims that result from abandoning your holiday and happen as a result of the circumstances described in the EU travel directives (see the inside cover of this policy booklet) to the airline first. We will pay any money under this policy after the amount of compensation you receive from the airline for the same event is taken off.
Please read the general conditions and exclusions.
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No discount available with this policy. There are 3 levels of cover to choose from, Bronze (No baggage or money cover), Silver (Standard Excess) and Gold (Nil Excess). These policies allow the choice of cover level.collapse