Nationwide Travel Insurance

Section 2 Emergency medical and associated expenses
You must tell us immediately if you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury. You must also tell us if your medical expenses go over £250. You must try to get treatment at a medical facility that participates in the reciprocal health arrangement with the UK where this is available. Our helpline will be able to give guidance on where such facilities are located. We may not be able to make a payment or guarantee a payment, or provide any of this cover for you, unless we have seen your full medical history and are able to confirm there are no pre-existing medical conditions that you havent told us about. From outside the UK phone +44 1243 621 545. For textphone please dial +44 151 494 1260 and ask to be connected. From within the UK phone 01243 621545, for textphone please dial 18001 first. See under the heading '24-hour assistance on page 16 for more information. We dont cover private medical treatment unless we have authorised it. There is no cover if you are travelling to receive treatment or get medical advice or know you will need treatment while you are away.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment, for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Cover outside of the United Kingdom
This section does not apply to trips within the area of cover UK.
(However, if your home is in the Channel Islands or the Isle of Man and your policy schedule covers you for area of cover Europe or area of cover Worldwide and you are travelling to England, Wales, Scotland or Northern Ireland, you will be covered up to the limits shown under 'Cover outside of the United Kingdom instead of 'United Kingdom cover.) Up to £10 million in total for reasonable fees or charges you pay or agree to pay for the following:
- treatment - medical, surgical, medication, hospital, nursing home or nursing services (but not dental treatment)
- reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice
- mountain search and rescue services when deemed medically necessary We will also pay the following.
- We will pay the reasonable cost of transporting your body or ashes to your home, or we will pay your reasonable funeral expenses in the place where you die outside the UK.
- We will pay £25 for each 24-hour period that you are in hospital as an in-patient, or are confined to your accommodation due to your compulsory quarantine on the orders of a doctor or government official, while on a journey, up to £1,000 in total. (This benefit is to help you pay for additional expenses such as taxi fares for visitors and phone calls).
- We will pay up to £250 for emergency dental treatment to relieve sudden pain.
- We will pay up to £500 in total for reasonable cattery or kennel fees if you are taken into hospital as an in-patient during your journey and cant return as planned.
2. United Kingdom cover
We will pay up to £1,000 for transport and accommodation:
- we will cover reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from within the UK on medical advice
- we will cover reasonable costs of transporting your ashes or body home should you die
What is not covered
Under both Cover outside of the United Kingdom and United Kingdom cover
1. We wont pay the first £50. This applies to each insured person for each claimed event.
This wont apply if your claim is reduced because you used an EHIC card or any other reciprocal health arrangement (see 'Reciprocal health arrangements on page 12 for more information). It also does not apply to the in-patient benefit or cattery or kennel fees.
2. We wont cover the cost of replacing any medication you were using when you began your journey.
3. We wont pay claims that may be considered in any way related to, triggered by or made worse by, a pre-existing medical condition that you havent told us about or that we havent agreed to cover. Please refer to the Health declaration and health exclusions on pages 16 to 18 where this is explained in more detail.
4. We wont cover extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
5. We wont cover anything caused by:
a. you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft)
b. you committing suicide or deliberately injuring yourself, or putting yourself at risk
c. you being under the influence of drugs (except those prescribed by a doctor but not to treat drug addiction)
d. the direct or indirect effect of you using alcohol or solvents
e. you taking part in any activity unless it is listed under Standard activities on pages 14 to 15, or you are taking part in an adventure activity or winter sports and you have chosen this cover and it is shown on your policy schedule
f. you travelling on a motorcycle, unless it is no more than 125cc, the driver holds an appropriate valid UK licence (or appropriate valid licence in the country in which the motorcycle is being ridden if the person driving the motorcycle is a non UK resident), you are wearing a crash helmet, and you have selected cover for Adventure activities A or B and this is shown on your policy schedule 6. We wont pay any claim in respect of routine care relating to pregnancy, giving birth and postnatal recovery.
7. We wont cover any costs you pay or agree to 12 months after the date of your injury, illness or death.
8. We wont cover any taxi fares and telephone calls (including mobile calls) resulting from an incident claimed for under this section.
Under Cover outside of the UK only
9. We wont cover services or treatments you receive within the UK.
10. We wont cover services or treatments you receive which the doctor treating you or we think can wait until you get back to the UK.
11. We wont cover medical costs over £250, or in-patient treatment, or sending you home, if we have not authorised this.
12. We wont cover the extra costs of having a single or private room in a hospital or nursing home.
13. We wont cover the cost of any treatment which is not directly related to the illness or injury that caused the claim.
14. We wont cover the costs of your burial or cremation within the UK.
15. We wont pay to replace or repair false teeth, artificial teeth (such as crowns or implants) or veneers, or cover dental work involving precious metals.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 6 Personal money
(if personal possessions cover is selected)
This section only applies if you have chosen Personal possessions/baggage cover and it is shown on your policy schedule.
What is covered
We will pay up to £500 for loss or theft of your personal money (but no more than £300 in cash, even if it is jointly owned) while on your journey.
What is not covered
1. We wont pay the first £50 of any claim. This applies to each insured person for each claimed event.
2. We wont cover the loss or theft of your personal money if you do not report it to the local police within 24 hours of discovery of the incident and obtain a written report from them.
3. We wont cover money held or used for business purposes.
4. We wont consider any claim unless you can provide a receipt for the amount you had from the place where you got the currency.
5. We wont cover personal money left in a motor vehicle or in a tent.
6. We wont cover personal money carried in suitcases, trunks or similar containers, unless they are on you or with you all the time.
7. We wont cover personal money, unless it is on you, locked in a safe or safety deposit box, or locked in the accommodation you are using on your journey.
8. We wont cover loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency or depreciation in value.
9. We wont cover loss or theft of travellers cheques if the place where you get them from provides a replacement service.
10. We will not pay more than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 3 Loss of your passport or driving licence
What is covered
We will pay the following if your passport or driving licence is lost, stolen or destroyed on your journey.
1. We will pay up to £500 for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport so you can return to the UK.
2. We will pay the equivalent cost (based on the current replacement costs) of the period left on your passport if it is lost, stolen or destroyed.
3. We will pay up to £500 for any extra transport, accommodation and administration costs you have to pay to get a replacement driving licence or evidence of your driving licence from the DVLA during your journey if:
- you lose your driving licence while on a journey and
- you need to provide evidence of your driving licence to the police authorities or you need to get evidence of your driving licence so you can continue with your journey, for example if you need to hire a car
What is not covered
1. We wont pay the first £50 of your claim. This applies to each insured person for each claimed event, but doesnt apply to point 2 above.
2. We wont not pay any costs for you to return home to pick up a replacement or new driving licence.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 3 Loss of your passport or driving licence
What is covered
We will pay the following if your passport or driving licence is lost, stolen or destroyed on your journey.
1. We will pay up to £500 for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport so you can return to the UK.
2. We will pay the equivalent cost (based on the current replacement costs) of the period left on your passport if it is lost, stolen or destroyed.
3. We will pay up to £500 for any extra transport, accommodation and administration costs you have to pay to get a replacement driving licence or evidence of your driving licence from the DVLA during your journey if:
- you lose your driving licence while on a journey and
- you need to provide evidence of your driving licence to the police authorities or you need to get evidence of your driving licence so you can continue with your journey, for example if you need to hire a car
What is not covered
1. We wont pay the first £50 of your claim. This applies to each insured person for each claimed event, but doesnt apply to point 2 above.
2. We wont not pay any costs for you to return home to pick up a replacement or new driving licence.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 18 Winter sports cover (if selected)
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule. Winter sports cover on an annual multi-trip policy is restricted to a total of 15 days for the period from the cover start date to the cover end date unless you have chosen to extend this period to 31 days, and this is shown on your policy schedule. Winter sports cover is only available if you are less than 65 years of age.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items.
What is not covered
Under Ski equipment
3. We won't cover anything mentioned under the heading 'What is not covered' within Section 5 - Personal possessions, except ski equipment and the excess.
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Section 18 Winter sports cover (if selected)
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule. Winter sports cover on an annual multi-trip policy is restricted to a total of 15 days for the period from the cover start date to the cover end date unless you have chosen to extend this period to 31 days, and this is shown on your policy schedule. Winter sports cover is only available if you are less than 65 years of age.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items.
What is not covered
Under Ski equipment
3. We wont cover anything mentioned under the heading 'What is not covered within Section 5 - Personal possessions, except ski equipment and the excess.collapse

Section 18 Winter sports cover (if selected)
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule. Winter sports cover on an annual multi-trip policy is restricted to a total of 15 days for the period from the cover start date to the cover end date unless you have chosen to extend this period to 31 days, and this is shown on your policy schedule. Winter sports cover is only available if you are less than 65 years of age.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items.
What is not covered
Under Ski equipment
3. We won't cover anything mentioned under the heading 'What is not covered' within Section 5 - Personal possessions, except ski equipment and the excess.
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Winter sports
You are covered while taking part in the following activities if winter sports cover is selected by you and shown on your policy schedule:
- Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, and snow blading.
Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.
There is no cover for:
- Bobsleighing, heli skiing, luging, ski acrobatics, skidooing, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring, snow cat skiing, or snow mobiling.
Snow mobiling and skidooing can be covered if Adventure Activities A is selected by you and is shown on your policy schedule (Personal Liability cover is not provided).collapse

Section 5 Personal possessions (if selected)
This section only applies if you have chosen it and it is shown as covered on your policy schedule.
What is covered
We will pay up to £2,500 for your personal possessions damaged, stolen, lost or destroyed while on your journey.
The most we will pay for valuables is £400 in total even if they are jointly owned.
There is also a £350 limit for any single item, pair or set.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items
What is not covered
1. We wont pay the first £50 of any claim. This applies to each insured person for each claimed event.
2. We wont cover ski equipment, business equipment, golf equipment, wedding rings, wedding gifts or wedding attire.
3. We wont cover any loss or theft if you do not report the loss to the local police within 24 hours of discovery of the incident and obtain a written report from them.
4. We wont cover any loss, theft or damage that happens while in transit if you do not report it to the carrier within 24 hours of discovery and obtain a Property Irregularity Report.
5. We wont cover any loss or theft of, or damage to, the following:
a. items for which you cant provide sufficient proof of purchase (such as receipts) or both proof of ownership and how much items are worth
b. films, video and audio tapes, computer games, CDs, mini-discs, DVDs, cartridges, memory sticks or cards unless they were bought pre-recorded in which case we will pay up to the replacement cost
c. food items, goods that deteriorate, bottles or cartons, and any damage caused by these items or their contents
d. valuables left in a motor vehicle or in a tent
e. valuables carried in suitcases, trunks or similar containers unless they are with you all the time
f. valuables unless they are with you or locked in a safe or safety deposit box or locked in the accommodation you are using on your journey
g. personal possessions unless they are: with you, locked in the accommodation you are using on your journey, out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables), or are carried in line with your transport providers requirements (no cover for valuables)
h. personal money (see section 6) or money held or used for business purposes
i. passport (see section 3)
j. pedal cycles
k. documents of any kind, including bonds, share certificates, guarantees
6. We wont cover more than the part of the pair or set that is stolen, lost or destroyed.
7. We wont cover breakage of, or damage to, sports equipment while it is being used.
8. We wont cover cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile items, unless they are damaged by fire.
9. We wont cover loss or damage due to weather, wear and tear, loss in value, the process of cleaning, or as a result of insects or vermin.
10. We wont pay the cost of replacing or repairing false teeth or contact or corneal lenses, unless there is a fire or theft.
11. We wont cover a claim for more than one mobile phone for each insured person.
12. We wont cover any item which you have specifically insured on another policy.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 5 Personal possessions (if selected)
This section only applies if you have chosen it and it is shown as covered on your policy schedule.
What is covered
We will pay up to £2,500 for your personal possessions damaged, stolen, lost or destroyed while on your journey.
The most we will pay for valuables is £400 in total even if they are jointly owned.
There is also a £350 limit for any single item, pair or set.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items
What is not covered
1. We wont pay the first £50 of any claim. This applies to each insured person for each claimed event.
2. We wont cover ski equipment, business equipment, golf equipment, wedding rings, wedding gifts or wedding attire.
3. We wont cover any loss or theft if you do not report the loss to the local police within 24 hours of discovery of the incident and obtain a written report from them.
4. We wont cover any loss, theft or damage that happens while in transit if you do not report it to the carrier within 24 hours of discovery and obtain a Property Irregularity Report.
5. We wont cover any loss or theft of, or damage to, the following:
a. items for which you cant provide sufficient proof of purchase (such as receipts) or both proof of ownership and how much items are worth
b. films, video and audio tapes, computer games, CDs, mini-discs, DVDs, cartridges, memory sticks or cards unless they were bought pre-recorded in which case we will pay up to the replacement cost
c. food items, goods that deteriorate, bottles or cartons, and any damage caused by these items or their contents
d. valuables left in a motor vehicle or in a tent
e. valuables carried in suitcases, trunks or similar containers unless they are with you all the time
f. valuables unless they are with you or locked in a safe or safety deposit box or locked in the accommodation you are using on your journey
g. personal possessions unless they are: with you, locked in the accommodation you are using on your journey, out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables), or are carried in line with your transport providers requirements (no cover for valuables)
h. personal money (see section 6) or money held or used for business purposes
i. passport (see section 3)
j. pedal cycles
k. documents of any kind, including bonds, share certificates, guarantees
6. We wont cover more than the part of the pair or set that is stolen, lost or destroyed.
7. We wont cover breakage of, or damage to, sports equipment while it is being used.
8. We wont cover cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile items, unless they are damaged by fire.
9. We wont cover loss or damage due to weather, wear and tear, loss in value, the process of cleaning, or as a result of insects or vermin.
10. We wont pay the cost of replacing or repairing false teeth or contact or corneal lenses, unless there is a fire or theft.
11. We wont cover a claim for more than one mobile phone for each insured person.
12. We wont cover any item which you have specifically insured on another policy.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 5 Personal possessions (if selected)
This section only applies if you have chosen it and it is shown as covered on your policy schedule.
What is covered
We will pay up to £2,500 for your personal possessions damaged, stolen, lost or destroyed while on your journey.
The most we will pay for valuables is £400 in total even if they are jointly owned.
There is also a £350 limit for any single item, pair or set.
Note
We will decide to pay either:
- the secondhand value to replace items
- the original purchase price of items from which we will deduct an amount for wear, tear and loss of value
- the cost of repairing items
What is not covered
1. We wont pay the first £50 of any claim. This applies to each insured person for each claimed event.
2. We wont cover ski equipment, business equipment, golf equipment, wedding rings, wedding gifts or wedding attire.
3. We wont cover any loss or theft if you do not report the loss to the local police within 24 hours of discovery of the incident and obtain a written report from them.
4. We wont cover any loss, theft or damage that happens while in transit if you do not report it to the carrier within 24 hours of discovery and obtain a Property Irregularity Report.
5. We wont cover any loss or theft of, or damage to, the following:
a. items for which you cant provide sufficient proof of purchase (such as receipts) or both proof of ownership and how much items are worth
b. films, video and audio tapes, computer games, CDs, mini-discs, DVDs, cartridges, memory sticks or cards unless they were bought pre-recorded in which case we will pay up to the replacement cost
c. food items, goods that deteriorate, bottles or cartons, and any damage caused by these items or their contents
d. valuables left in a motor vehicle or in a tent
e. valuables carried in suitcases, trunks or similar containers unless they are with you all the time
f. valuables unless they are with you or locked in a safe or safety deposit box or locked in the accommodation you are using on your journey
g. personal possessions unless they are: with you, locked in the accommodation you are using on your journey, out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables), or are carried in line with your transport providers requirements (no cover for valuables)
h. personal money (see section 6) or money held or used for business purposes
i. passport (see section 3)
j. pedal cycles
k. documents of any kind, including bonds, share certificates, guarantees
6. We wont cover more than the part of the pair or set that is stolen, lost or destroyed.
7. We wont cover breakage of, or damage to, sports equipment while it is being used.
8. We wont cover cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile items, unless they are damaged by fire.
9. We wont cover loss or damage due to weather, wear and tear, loss in value, the process of cleaning, or as a result of insects or vermin.
10. We wont pay the cost of replacing or repairing false teeth or contact or corneal lenses, unless there is a fire or theft.
11. We wont cover a claim for more than one mobile phone for each insured person.
12. We wont cover any item which you have specifically insured on another policy.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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24-hour assistance
You can call 24 hours a day, 365 days a year for assistance. Please give us your policy number when you call and say that you are insured with LV= travel insurance. Our emergency medical assistance is provided by CEGA Group Services Limited. From outside the UK phone +44 1243 621 545. For textphone please dial +44 151 494 1260 and ask to be connected. From within the UK phone 01243 621 545, for textphone please dial 18001 first. If you think you may have to cancel your holiday, go into hospital while on a journey, return home early or extend your stay, you must tell us immediately. If you cant do this because you have a condition that threatens your life, limb, sight or organ/s you should contact us as soon as you can. You must also tell us if your medical expenses are over £250. If you are claiming for a minor illness or accident, you should, where possible, pay the costs and reclaim the money back from us when you return. Beware of requests for you to sign for expensive treatment or charges. If you arent sure about any request, please call us. You must accept our decisions about the most suitable, practical and reasonable solutions to any medical emergency. While on a journey this may include directing you to a specific hospital or medical facility. If you suffer a minor illness before you are due to travel we may re-arrange your travel and accommodation so your journey is simply delayed. Below are some of the ways the 24-hour assistance service can help.
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Section 8 Missed departure
What is covered
We will pay you up to £1,000 for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home if you dont get to the international departure point by the time shown in your travel plans because:
- public transport (including scheduled flights) doesnt run to its timetable
- an incident occurs on the highway that you are travelling on to get to your departure point that results in a severe delay that it is not possible to avoid
- the vehicle in which you are travelling is involved in an accident or breaks down, and as a result you miss your departure
Please note the definition of departure point which means that this cover only applies at the point from which you will leave the UK, and the last point from which you will leave a destination to return to the UK. There is no cover if you miss your departure from any other points during your journey.
What is not covered
1. We will not cover any claim unless you:
a. get a letter from the public transport provider (if this applies) confirming that the service didnt run on time
b. obtain a letter from the police or motoring authorities (Highways Agency, RAC, The AA, etc) confirming the incident (what occurred, where and when) and the resulting delays
c. have allowed time in your travel plans for delays which are or could reasonably be expected
2. We wont cover any delay caused by a riot, civil commotion, strike, or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
3. We wont cover the failure of public transport caused by a riot, civil commotion, strike, or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.
4. We wont cover you for any missed departure or connections other than the departure that goes from your departure point (as defined on page 8).
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 1 Cancellation and cutting short your trip (curtailment)
If you think you may have to cancel or cut your journey short (curtail), we must be told immediately - see under the heading '24-hour assistance on page 16 for more information.
What is covered
We will pay up to £5,000 in total (including up to £400 in total for excursions), for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or you have agreed to pay, that you cant get back from anywhere else. Cancelling your trip and any excursions as soon as possible with your booking agent may help reduce your cancellation charges. If you are unsure whether to cancel a trip or not, please contact the emergency assistance line (see page 16). We will provide this cover in the following unavoidable circumstances:
Cancellation
We will provide cover if you cancel your journey before it begins because one of the
following happens.
- If you, a relative, someone you were going to stay with, a travelling companion, or a colleague die, are seriously injured or become seriously ill.
- If you or a travelling companion is called for jury service in the UK or as a witness in a court in the UK.
- If you or a travelling companion are needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the UK.
- If you are made redundant (but not if you have chosen voluntary redundancy) and qualify for payment under current UK redundancy payment legislation, and there was no reason for you to think this would happen when the policy was purchased or the trip was booked.
- If you or a travelling companion are a member of the Armed Forces, or Territorial Army, or police, fire, nursing or ambulance services and have authorised leave cancelled or are called up for operational reasons. This cover will only apply if the need to cancel or cut short a trip could not reasonably have been expected at the time this insurance was purchased and at the time of booking any trip. Well need written confirmation from your employer that your trip had to be cancelled.
- If the Foreign and Commonwealth Office advises against all travel to your planned destination after you have booked transport or accommodation for your journey, and after the start date of your policy.
- If you or a travelling companion are advised not to travel by a doctor as a result of pregnancy.
Cutting short your trip (curtailment)
We will provide cover if you cut your journey short (curtail) after it has begun because one of the following happens:
- an event occurs that is covered under Cancellation except redundancy or Foreign and Commonwealth Office advice
- you are injured or ill and are in hospital for the rest of your journey We will work out claims from the date you needed to return to the UK or the date you are in hospital as an in-patient for the rest of your journey. We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be sent back to the UK, we wont refund the cost of your unused return travel
tickets. This is because we will be paying to get you home.
Cancellation of excursions while on your journey
We will provide cover if you cancel your booked excursion before it begins because you are seriously injured or become seriously ill while on a journey and the treating doctor advises you not to go on the excursion. We will also cover you to cancel your booked excursion if a travelling companion who is booked on the same excursion as you, is seriously injured or seriously ill while on a journey with you and the treating doctor provides written confirmation they cant go on the excursion and need assistance from you.
What is not covered
Under Cancellation and Cutting short your trip (curtailment)
1. We wont pay the first £50 of your claim. This applies to each insured person. This amount will be reduced to £15 per person if the claim is for the amount of the deposit only.
2. We wont cover claims directly or indirectly related to any circumstance that is known to you before you purchased this insurance or at the time of booking a trip that could reasonably be expected to lead to cancellation of a trip or the need to cut a trip short, unless you have told us about it and we have agreed to cover it and this is shown on your policy schedule. This includes any health condition or medical investigation of you, a relative, someone you were going to stay with, a travelling companion, or a colleague (this is explained in more detail under the Health declaration and health exclusions on pages 16 to 18).
3. We wont pay more than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
4. We wont cover anything caused by:
- you not having the correct passport or visa
- any restriction caused by the law of any country or people enforcing these laws
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you
- anything that the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for
- your vehicle being stolen or breaking down
- you not wanting to travel or not enjoying your journey
- riot, civil commotion, strike or lock-out (employees being prevented from entering their workplace) l you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft)
- you committing suicide or deliberately injuring yourself or putting yourself at risk
- you being under the influence of, alcohol, solvents or drugs (except those prescribed by a doctor but not for the treatment of drug addiction), or as a direct or indirect effect of you using alcohol, solvents or drugs
- the death or illness of any pet or animal
Under Cancellation
5. We wont cover any cancellation charges you pay or owe because you didnt tell the company providing your transport or accommodation, their agents or any person acting for you as soon as you knew you had to cancel.
6. We wont cover cancellation because of your financial circumstances or unemployment other than as a result of redundancy (and we wont cover this if you have chosen voluntary redundancy), for which you qualify for payments under current UK legislation and find out about after your policy or travel tickets were bought (whichever is the later).
Under Cutting short your trip (curtailment)
7. We wont pay a claim for cutting short your journey unless we have agreed to this.
8. We wont cover any costs when you dont get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home or to stay in hospital because of injury or illness. Our medical advisers must have agreed with this.
9. We wont cover the cost of your original pre-booked tickets if you havent used them and we have paid extra transport costs.
10. We wont provide cover for you travelling on a motorcycle unless it is no more than 125cc, the driver holds an appropriate valid UK licence (or appropriate valid licence in the country in which the motorcycle is being ridden if the person driving the motorcycle is a non UK resident), you are wearing a crash helmet, and you have chosen cover for Adventure activities A or B and it is shown on your policy schedule.
11. We wont cover anything caused by you taking part in an activity unless it is listed under Standard activities on pages 14 to 15, or you are taking part in an adventure activity or winter sports and you have chosen this cover and it is shown on your policy schedule.
Under Cancellation of excursions while on your journey
12. We wont cover the cost of any excursions that were booked after you or your travelling companion were injured or became ill.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 9 Delayed departure
This section only applies to trips outside of the country where your home is.
What is covered
We will pay you compensation if the flight, international train, coach or sea vessel you are booked on is delayed at its departure point from the time shown in your travel plans because of:
- a serious fire, storm or flood damage to the departure point
- industrial action
- bad weather
- mechanical breakdown or a structural fault of the aircraft, international train, coach or sea vessel We will pay the following
- We will pay £25 for each full 12 hours of delay up to £250 in total.
- We will pay up to £5,000 for your part of the unused costs of the journey which have been paid, or you have agreed to pay, and you cant get the costs back from anywhere else, if, after you have been delayed for more than 24 hours, you decide to abandon the journey before you leave the UK. Please note the definition of departure point, which means that only a delay at the point you will leave the UK from, and the last point from which you will leave a destination to return to the UK, are covered. There is no cover if a departure is delayed at any other points during your journey.
What is not covered
1. We wont cover anything caused by you not checking in at the departure point when you should have done.
2. We wont cover a delayed departure from anywhere other than the departure point (as defined on page 8).
3. We wont pay compensation unless you get a letter from the airline, coach or railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train, coach or sea vessel.
4. We wont cover any delay caused by a riot, civil commotion, strike, industrial action which began or was announced before you bought your policy or travel tickets for your journey (whichever is later).
5. We wont pay for any losses that occur as a result of you missing any of your travel connections.
6. We wont pay the first £50 of your claim if you abandon the journey. This applies for each insured person.
7. If you abandon the journey, we wont pay more than the minimum market value of equivalent travel tickets if your travel tickets have been paid for using an airline mileage reward scheme.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 4 Delayed personal possessions
What is covered
We will pay up to £250 for essential replacement items, if your personal possessions (not including valuables) are missing on your outward journey for more than 12 hours from when you arrived at your destination.
Note
You must send us the receipts for anything that you buy. If the items are permanently lost, we will take any amount that you are due to be paid under this section from the final amount we pay for the claim under section 5. This will only apply when your policy schedule shows you have selected cover for personal possessions/baggage.
What is not covered
We wont cover ski equipment, golf equipment, business equipment, wedding rings, wedding gifts or wedding attire.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 9 Delayed departure
This section only applies to trips outside of the country where your home is.
What is covered
We will pay you compensation if the flight, international train, coach or sea vessel you are booked on is delayed at its departure point from the time shown in your travel plans because of:
- a serious fire, storm or flood damage to the departure point
- industrial action
- bad weather
- mechanical breakdown or a structural fault of the aircraft, international train, coach or sea vessel We will pay the following
- We will pay £25 for each full 12 hours of delay up to £250 in total.
- We will pay up to £5,000 for your part of the unused costs of the journey which have been paid, or you have agreed to pay, and you cant get the costs back from anywhere else, if, after you have been delayed for more than 24 hours, you decide to abandon the journey before you leave the UK. Please note the definition of departure point, which means that only a delay at the point you will leave the UK from, and the last point from which you will leave a destination to return to the UK, are covered. There is no cover if a departure is delayed at any other points during your journey.
What is not covered
1. We wont cover anything caused by you not checking in at the departure point when you should have done.
2. We wont cover a delayed departure from anywhere other than the departure point (as defined on page 8).
3. We wont pay compensation unless you get a letter from the airline, coach or railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train, coach or sea vessel.
4. We wont cover any delay caused by a riot, civil commotion, strike, industrial action which began or was announced before you bought your policy or travel tickets for your journey (whichever is later).
5. We wont pay for any losses that occur as a result of you missing any of your travel connections.
6. We wont pay the first £50 of your claim if you abandon the journey. This applies for each insured person.
7. If you abandon the journey, we wont pay more than the minimum market value of equivalent travel tickets if your travel tickets have been paid for using an airline mileage reward scheme.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Section 9 Delayed departure
This section only applies to trips outside of the country where your home is.
What is covered
We will pay you compensation if the flight, international train, coach or sea vessel you are booked on is delayed at its departure point from the time shown in your travel plans because of:
- a serious fire, storm or flood damage to the departure point
- industrial action
- bad weather
- mechanical breakdown or a structural fault of the aircraft, international train, coach or sea vessel We will pay the following
- We will pay £25 for each full 12 hours of delay up to £250 in total.
- We will pay up to £5,000 for your part of the unused costs of the journey which have been paid, or you have agreed to pay, and you cant get the costs back from anywhere else, if, after you have been delayed for more than 24 hours, you decide to abandon the journey before you leave the UK. Please note the definition of departure point, which means that only a delay at the point you will leave the UK from, and the last point from which you will leave a destination to return to the UK, are covered. There is no cover if a departure is delayed at any other points during your journey.
What is not covered
1. We wont cover anything caused by you not checking in at the departure point when you should have done.
2. We wont cover a delayed departure from anywhere other than the departure point (as defined on page 8).
3. We wont pay compensation unless you get a letter from the airline, coach or railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train, coach or sea vessel.
4. We wont cover any delay caused by a riot, civil commotion, strike, industrial action which began or was announced before you bought your policy or travel tickets for your journey (whichever is later).
5. We wont pay for any losses that occur as a result of you missing any of your travel connections.
6. We wont pay the first £50 of your claim if you abandon the journey. This applies for each insured person.
7. If you abandon the journey, we wont pay more than the minimum market value of equivalent travel tickets if your travel tickets have been paid for using an airline mileage reward scheme.
Please read the general exclusions, general conditions and making a claim sections that also apply.
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Reciprocal health arrangements
The European Health Insurance Card (EHIC) replaced the E111 and entitles you to reduced cost, sometimes free, medical treatment that you may need while you are in the European Union, Iceland, Liechtenstein, Norway or Switzerland. The card gives you access to state-provided medical treatment only. This might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at www.dh.gov.uk/travellers, by calling 0845 606 2030, or by getting an application form from the Post Office. You will need your NHS or National Insurance number. The EHIC is normally valid for three to five years - you must remember to renew it when it expires. If you are travelling to Australia you can enrol in Medicare which will entitle you to cheaper hospital treatments and medicines. You can do this by contacting a local Medicare office in Australia. You must make claims for refunds under the Medicare scheme before you leave Australia. For more information on Medicare visit: www.medicareaustralia.gov.au or email: medicare@medicareaustralia.gov.au. If you use these arrangements or any other similar health arrangement with another country to reduce your medical expenses, you wont have to pay an excess.collapse