Post Office Classic Single Trip

Part D Optional Winter Sports Cover
If you have bought annual multi-trip insurance to include winter sports cover, you are covered up to 21 days in any single policy period for winter sports cover. For single trip cover, you must pay the appropriate additional premium to include winter sports cover for each trip where you intend to participate in winter sports activities.
The following winter sports are not covered: ski-racing, ski-jumping, off-piste skiing unless accompanied by a qualified guide or instructor, ice hockey, bobsleighing, the use of skeletons, toboggans or luges, freestyle skiing, competitive skiing.collapse

Section 5 Medical Emergency and Associated Expenses
1. If you are travelling outside the United Kingdom we will pay up to £10,000,000 for any necessary and reasonable expenses caused by your illness, injury or death commencing and occurring during the period of insurance for the following:
a) Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, ambulances, nursing homes and nursing.
b) Emergency dental treatment up to £200 for the immediate relief of pain only.
c) The extra cost of you returning home.
d) Extra accommodation (room only) expenses if you are advised by a doctor that you should stay longer than you intended.
e) Extra travel and accommodation (room only) expenses where a doctor has advised it is necessary for one person to stay with you or to travel from the United Kingdom to escort you home if you are seriously ill or injured.
f) Up to £2,500 for funeral expenses abroad.
g) The additional cost of bringing your body or ashes home.
h) Up to £150 for unrecoverable expenses in respect of excursions you have paid for before your departure but which you have not made.
i) You will be covered for extra travel expenses which are reasonable and necessary if you have to return home early because a close relative or business associate is seriously ill or injured or has died during the period of insurance.
2. If you are travelling within the United Kingdom we will pay you up to £10,000 for any necessary and reasonable expenses caused by your illness, injury or death occurring during the period of insurance for:
a) Extra travel and accommodation expenses if you are advised by a doctor that such travel or accommodation is necessary.
b) Extra travel and accommodation expenses where a doctor has advised it is necessary for one person to stay with you or to travel to be with you if you are seriously ill or injured.
c) The extra cost of bringing your body or ashes home.
d) Extra charges necessarily incurred to transfer you by ambulance to a hospital or nursing home nearer your home.
e) Extra charges necessarily incurred to recover your car and your personal belongings to your home if you and no other other person travelling with you at the time of your discharge from hospital are able to drive the car.
Exclusions Applying to Sections 5, 6 & 7 - Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. You are not covered for claims arising directly or indirectly from any of the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking a trip that would result in the trip being cancelled or cut short, unless, before the trip, we agreed in writing to cover it.
b) Where you have travelled against the advice of a doctor or in order to obtain medical treatment or advice abroad.
c) Any treatment or surgery which our medical advisers reasonably believe is not essential or could wait until your return home.
d) Any treatment or surgery or exploratory tests which are not directly related to the illness or injury for which you originally went into hospital (unless agreed by Assistance International beforehand).
e) Cosmetic or elective surgery.
f) Medication and treatment which you knew you would need while you were away.
g) Any extra costs incurred for a single or private room unless medically necessary.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
i) Repairs to or the provision of dentures or artificial teeth or any dental work involving the use of precious metals.
j) Any claim arising from motorcycling where you are the driver or passenger unless you or the driver holds a current and valid licence which allows you or them to ride a motorcycle and you are wearing a helmet.
k) Your suicide, attempted suicide, intentional self injury or deliberate exposure to danger (unless in an attempt to save someones life).
l) You being under the influence of solvents or drugs or their effects (except drugs prescribed by a doctor other than for treatment of drug abuse) or where in the opinion of the treating doctor excessive alcohol consumption has caused the injury or illness.
m) Any claim resulting directly or indirectly from you participating in any hazardous activity.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under Section 5 - Medical Emergency and Associated Expenses unless you have paid the excess waiver premium. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions Applying to Sections 5, 6 & 7 - Medical Emergency and Associated Expenses, Hospital Benefit and Personal Accident
1. Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses for medical treatment abroad or if you have to return home early. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide if this is reasonably necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.
Conditions Applying to Section 7 - Personal Accident
1. We will not pay you personal accident benefits for more than one benefit to any one insured person for injuries caused by one accident.
2. If you make a claim, you must allow our medical advisers to examine you as often as they need to. (We will pay any costs and your expenses for these examinations if we accept your claim.)
collapse

Section 9 Personal Money
We will pay you up to £500 (limited to £250 in respect of cash) if your personal money is lost or stolen during the period of insurance. Cover under this Section commences from the time you receive your personal money or 72 hours before you leave home to commence your trip, whichever is later.
You will need to report your loss and obtain proof - as well as the exclusions below, please read the policy conditions and exclusions on pages 28 to 31.
Personal Money and Loss of Passport Exclusions
1. We will not pay for:
a) More than £250 for loss of cash.
b) Loss of personal money unless it is with you at the time, in a locked safe or safety deposit box or locked in the accommodation you are using on your journey.
c) Loss caused by depreciation in value or shortage caused by error or omission.
d) Loss of travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
e) Loss or theft of ski lift pass.
f) Your personal money being delayed, detained or confiscated by customs or other officials.
g) Claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
h) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
i) Any expenses in connection with Loss of Passport, arising after you have returned to the United Kingdom.
j) Loss or theft of money which you have left in baggage checked in by the carrier or left in an unattended vehicle.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

Section 10 Loss of Passport
We will pay you up to £250 for necessary and reasonable extra travel accommodation and communication expenses outside of Great Britain, Northern Ireland and the Isle of Man involved in getting a replacement passport or visa if it is lost or stolen during the period of insurance. You will need to report your loss and obtain proof - please read the policy conditions and exclusions on pages 25 to 28. As well as the general conditions and exclusions on pages 25 to 28, the following exclusions apply to Sections 9 and 10.
Personal Money and Loss of Passport Exclusions
1. We will not pay for:
a) More than £250 for loss of cash.
b) Loss of personal money unless it is with you at the time, in a locked safe or safety deposit box or locked in the accommodation you are using on your journey.
c) Loss caused by depreciation in value or shortage caused by error or omission.
d) Loss of travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
e) Loss or theft of ski lift pass.
f) your personal money being delayed, detained or confiscated by customs or other officials.
g) claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
h) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
i) Any expenses in connection with Loss of Passport, arising after you have returned to the United Kingdom.
j) Loss or theft of money which you have left in baggage checked in by the carrier or left in an unattended vehicle.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

We will pay you up to £700 for the replacement cost (less an amount for wear and tear) of skis, bindings, boots and poles owned or hired by you if they are lost, stolen or damaged.
Winter Sports Equipment and Ski Hire Exclusions
1. We will not pay for:
a) Loss or damage caused by general wear and tear.
b) Any amounts you can get from someone or somewhere else.
2. We will not pay your claim for Winter Sports Equipment if:
a) You fail to exercise reasonable care for the safety and supervision of your property.
b) You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
c) You fail to obtain a carrier's report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days
d) Your personal belongings are delayed, detained, or confiscated by customs or other officials.
3. The first £50 of each claim you make under Section 18 will not be paid. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

Section 8 Personal Belongings
If you accidentally lose or damage your personal belongings or they are stolen, during the period of Insurance, you can claim up to £1,500 to replace or repair them (after any suitable deduction for wear and tear and depreciation if applicable). You can claim up to £300 for any one item, pair or set. The overall limit for valuables is £300. If your personal belongings are temporarily lost for more than 12 hours on the outward journey we will pay you up to £250 for the purchase of essential items. If your baggage is permanently lost we will deduct any payment made for temporary loss from the final settlement. All receipts must be produced as proof of purchase. You will need to report your loss and obtain proof. As well as the general conditions and exclusions on pages 25 to 28, the following exclusions apply to section 8.
Personal Belongings Exclusions
1. We will not pay for:
a) More than £300 per person in total for valuables.
b) More than £300 per person for any one article, pair or set of articles.
c) More than £250 in total for cigarettes, tobacco and/or alcohol purchased by you during the period of insurance and for your own personal consumption.
d) Breakage of or damage to fragile articles, (except lenses in cameras, binoculars, telescopes, or spectacles) prosthetics or dentures and any other loss caused by the breakage.
e) Loss, theft of or damage to valuables which you have left in baggage checked in by a carrier.
f) Loss or theft of valuables left at anytime in an unattended vehicle.
g) Loss or theft of or damage to valuables you are not carrying with you unless you have kept them in a locked accommodation, a safe or a safety deposit box.
h) Loss or theft of or damage to personal belongings if they have been left unattended in a vehicle, unless they are locked out of sight in the boot of the vehicle or the luggage compartment of an estate or hatchback and there is evidence of violent and forcible entry.
i) There is no cover for personal belongings left in a vehicle overnight.
j) Films, cassettes, cartridges or disks other than for their value as unused material unless purchased pre-recorded when we will pay up to the retail list price.
k) Perishable goods, bottles, cartons or any other loss caused by their breakage.
l) Pedal cycles, wheelchairs, prams, pushchairs or baby buggies other than while they are being conveyed by public transport.
m) Contact or corneal lenses.
n) Winter sports equipment.
o) Your personal belongings being delayed, detained or confiscated by customs or other officials.
p) Your personal belongings being lost or damaged as a result of wear and tear, depreciation in value, atmospheric conditions, mechanical failure or damage caused by moth or vermin or any process of cleaning, repairing or restoring.
q) Breakage of or damage to sports equipment whilst in use.
r) Claims arising where You fail to exercise reasonable care for the safety and supervision of your property.
s) Claims where You fail to obtain a written police report within 24 hours of the discovery in the event of loss or theft.
t) Claims where you fail to obtain a carrier' s report or in the case of an airline a "Property Irregularity Report" where your property has been lost or damaged in transit.
N.B. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
2. We will not pay the first £50 for any loss, charge or expense incurred in respect of each claim under this Section.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
collapse

Section 3 Missed Departure
What is covered
If one of the following takes place during the period of insurance you will be covered up to £1,000 for the cost of reasonable extra accommodation and travel expenses to allow you to carry on with your trip.
1. Labour dispute, civil disturbance, mechanical breakdown or bad weather which interrupts scheduled public transport services including booked connecting flights;
2. An accident or breakdown involving the vehicle in which you are travelling in and which causes you to arrive at the airport, port or station you are leaving from on your outward or return journey too late to start the journey you have booked.
3. A road traffic accident involving another vehicle en route to the airport, port or station you are leaving from on your outward or return journey which causes you to arrive too late to start the outward or return journey you had booked.
As well as the general conditions and exclusions on pages 25 to 28, the following conditions apply.
Conditions
1. You must do all that you can to arrive at the airport, port or station you are leaving from on time.
2. In the case of a labour dispute, you will only be covered if the dispute is announced and begins during the period of insurance.
3. If you miss the departure because your vehicle breaks down or you are involved in an accident, you must send us a repairer' s report or police accident report.
4. If you miss the departure because a road traffic accident involving another vehicle, you must send us confirmation from the police or motoring authorities (e.g. Highways Agency, RAC, AA etc) to confirm the delay.
collapse

Section 1 Cancellation and Curtailment
1. We will pay you up to £5,000 for unused travel and accommodation charges (including unused kennel and cattery expenses up to £250) which are not recoverable elsewhere and which you have paid or contracted to pay should you have to cancel your trip before you leave your home or place of business as a result of the following commencing during the period of insurance.
a) Your death, injury or illness or that of your travelling companion, the person you are going to stay with, a close relative or colleague.
b) You or your travelling companion being required by the police to stay at home as a result of burglary, or damage by serious fire, explosion, subsidence, storm flooding, vandalism, fallen tree or impact by aircraft or vehicle to your or their home or usual place of business in the United Kingdom.
c) You or your travelling companion being required for jury service or as a witness in a court of law in the United Kingdom.
d) You being made involuntarily redundant if you are under 65 and have 2 years' continuous employment with the same employer.
e) You or your travelling companion having agreed leave subsequently cancelled by the emergency services or armed forces, for operational reasons.This cover does not apply to cancellation of leave due to war, invasion, acts of terrorism, hostilities (whether war be declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event.
2. We will pay you up to £5,000 if you cut short your trip as a result of:
a) Your death, injury or illness or that of your travelling companion, the person you are going to stay with, a close relative or colleague.
b) You or your travelling companion being required by the police to stay at home as a result of burglary, or damage by serious fire, explosion, subsidence, storm flooding, vandalism, fallen tree or impact by aircraft or vehicle to your or their home or usual place of business in the United Kingdom.
c) You becoming injured or ill and being admitted to hospital for the rest of your journey.
As well as the general conditions and exclusions on pages 25 to 28, the following conditions apply.
Cancellation and Curtailment Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Any circumstances you were aware of at the time this insurance was bought, or at the time of booking your trip, if later, which you knew might lead to your trip being cancelled or cut short , unless we agreed in writing, before the trip, to cover it.
b) Booking and/or travelling against the advice of a doctor.
c) Your disinclination to travel.
d) You not having the correct passport, visa or other entry documents.
e) Your decision not to go or continue with the trip for reasons other than those listed above.
f) Your suicide, attempted suicide, intentional self-injury or deliberate exposure to danger (unless in an attempt to save someone's life).
g) You being under the influence of alcohol, solvents or drugs (except drugs prescribed by a doctor other than for the treatment of drug abuse).
2. We will not pay any claim resulting directly or indirectly from you participating in any hazardous activity.
3. If you do not tell the travel agent, tour operator or organisations providing transport and accommodation as soon as you need to cancel your trip, the amount we pay will be limited to the cancellation charges that would have applied at that time.
4. We will not pay the first £50 (reduced to £10 for loss of deposit only claims) for any loss, charge or expense incurred in respect of each claim under this Section. The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to curtailment
1. If you have to return home early Assistance International must be called immediately or as soon as reasonably possible to authorise any expenses. If you do not do this we may not pay your claim.
2. You must not arrange in-flight medical care for your return journey without the permission of Assistance International. Our medical advisers will consult with the doctors treating you to decide on reasonable grounds if this is necessary and will make the most appropriate arrangements for you.
3. We may instruct you to return home if our medical advisers and the doctors treating you decide on reasonable grounds that you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.
4. Before you return home for medical reasons you must get a doctor's certificate to confirm that this is necessary and you are fit to travel.
collapse

Section 2 Delayed Departure
If the transport on which you are booked as a passenger for your outward or return journey is delayed or cancelled due to:
- A serious fire, storm or flood damage to the departure point
- Industrial action
- Bad weather
- Mechanical breakdown of the international train or sea vessel or
- The grounding of the aircraft due to a mechanical or a structural defect.
We will pay you one of the following:
Either
1. Compensation of £20 for the first full 8 hours you are delayed and £20 for each completed 12 hours thereafter up to a maximum £300. Delay benefit will be based on the difference between the actual time of departure and the scheduled departure time.
or
2. Abandonment Up to £5,000 (plus up to £250 unused kennel or cattery fees) in total for your part of the costs or the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
As well as the general conditions and exclusions on pages 25 to 28 the following conditions and exclusions apply.
Delayed Departure Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Claims caused by strike, industrial action or any other reason which was public knowledge when this policy was bought or your trip was booked.
b) Delay as a result of your failure to check in at your departure point on time.
c) Any amounts you can recover from someone or somebody else.
2. We will not pay the first £50 of any claim under Abandonment. No excess is payable in respect of claims for delay compensation only.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Delayed Departure claims
1. You must ask the airline or transport company to confirm in writing:
a) the cause of delay or cancellation
b) the period of the delay
c) the scheduled time of departure and arrival, and
d) the actual time of departure and arrival
collapse

Section 17 - Scheduled Airline Failure
We will pay up to £1,500 in total for each insured person named on the policy and airline ticket for:
1. Irrecoverable travel and accomodation costs paid in advance in the event of insolvency of the scheduled airline not forming part of an inclusive holiday prior to departure; or
2. In the event of insolvency after departure:
a) additional pro rata costs incurred by the person insured in replacing that part of the flight arrangements to a similar standard to that originally booked; or
b) if curtailment of the holiday is unavoidable - the cost of return flights to the United Kingdom to a similar standard to that originally booked.
As well as the general conditions and exclusions on pages 25 to 28, the following exclusions apply to Section 17.
We Will Not Pay For:
1. Scheduled flights not booked within the United Kingdom.
2. Scheduled flights not booked through a bonded travel agent or direct with a scheduled airline.
3. The financial failure of:
a) any scheduled airline in Chapter 11 insolvency at the date of issue of the travel insurance policy or booking.
b) any scheduled airline who is bonded or insured elsewhere (even if the bond is insufficient to meet the claims).
c) any travel agent, tour organiser, booking agent or consolidator with whom the insured has booked a scheduled flight.
collapse

If your personal belongings are temporarily lost for more than 12 hours on the outward journey we will pay you up to £250 for the purchase of essential items. If your baggage is permanently lost we will deduct any payment made for temporary loss from the final settlement. All receipts must be produced as proof of purchase.collapse

Section 2 Delayed Departure
If the transport on which you are booked as a passenger for your outward or return journey is delayed or cancelled due to:
- A serious fire, storm or flood damage to the departure point
- Industrial action
- Bad weather
- Mechanical breakdown of the international train or sea vessel or
- The grounding of the aircraft due to a mechanical or a structural defect.
We will pay you one of the following:
Either
1. Compensation of £20 for the first full 8 hours you are delayed and £20 for each completed 12 hours thereafter up to a maximum £300. Delay benefit will be based on the difference between the actual time of departure and the scheduled departure time.
or
2. Abandonment Up to £5,000 (plus up to £250 unused kennel or cattery fees) in total for your part of the costs or the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
As well as the general conditions and exclusions on pages 25 to 28 the following conditions and exclusions apply.
Delayed Departure Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Claims caused by strike, industrial action or any other reason which was public knowledge when this policy was bought or your trip was booked.
b) Delay as a result of your failure to check in at your departure point on time.
c) Any amounts you can recover from someone or somebody else.
2. We will not pay the first £50 of any claim under Abandonment. No excess is payable in respect of claims for delay compensation only.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Delayed Departure claims
1. You must ask the airline or transport company to confirm in writing:
a) the cause of delay or cancellation
b) the period of the delay
c) the scheduled time of departure and arrival, and
d) the actual time of departure and arrival
collapse

Section 2 Delayed Departure
If the transport on which you are booked as a passenger for your outward or return journey is delayed or cancelled due to:
- A serious fire, storm or flood damage to the departure point
- Industrial action
- Bad weather
- Mechanical breakdown of the international train or sea vessel or
- The grounding of the aircraft due to a mechanical or a structural defect.
We will pay you one of the following:
Either
1. Compensation of £20 for the first full 8 hours you are delayed and £20 for each completed 12 hours thereafter up to a maximum £300. Delay benefit will be based on the difference between the actual time of departure and the scheduled departure time.
or
2. Abandonment Up to £5,000 (plus up to £250 unused kennel or cattery fees) in total for your part of the costs or the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
As well as the general conditions and exclusions on pages 25 to 28 the following conditions and exclusions apply.
Delayed Departure Exclusions
1. You are not covered for claims caused directly or indirectly from the following:
a) Claims caused by strike, industrial action or any other reason which was public knowledge when this policy was bought or your trip was booked.
b) Delay as a result of your failure to check in at your departure point on time.
c) Any amounts you can recover from someone or somebody else.
2. We will not pay the first £50 of any claim under Abandonment. No excess is payable in respect of claims for delay compensation only.The maximum excess you and your family will pay in respect of any one event claimed for is £100.
Conditions applying to Delayed Departure claims
1. You must ask the airline or transport company to confirm in writing:
a) the cause of delay or cancellation
b) the period of the delay
c) the scheduled time of departure and arrival, and
d) the actual time of departure and arrival
collapse

Reciprocal Health Agreement
If you are travelling to a European Union country you should apply for a European Health Insurance Card (EHIC), available from your local Post Office® branch or by visiting www.dh.gov.uk/travellers to apply online. The EHIC allows you to receive free or reduced cost emergency medical care in most European countries from the equivalent of the National Health Service in the country you are visiting. If you make use of these arrangements or any other worldwide reciprocal health arrangement and your claim under the Medical Emergency and Associated Expenses Section is reduced, you will not have to pay any excess under this Section.collapse