STA Travel Insurance - Standard

Medical Expenses
The Company will indemnify the Insured up to the Sum Insured following illness or injury of the Insured occurring during the Period of Insurance by reimbursement of necessary receipted costs in respect of medical,
surgical or hospital treatment, drugs or appliances, all provided or prescribed by a doctor of medicine not related or travelling with you and given and incurred during the holiday or journey together with the receipted travelling costs incurred in order to obtain such treatment
Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Medical conditions existing prior to departure from the UK/Eire or any consequence thereof in respect of which a doctor would advise against travel or that treatment may be required during the duration of the trip.
(iii) (a) Manipulative treatment (b) Alternative medicine
(iv) Medical conditions existing prior to departure from the UK/Eire in respect of which the sick or injured person has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of same
(v) The cost of replenishing supplies
(vi) Costs incurred by an Insured travelling abroad specifically to obtain medical treatment
(vii) (a) any costs incurred in respect of treatment that can reasonably wait until the insured has returned to the UK/Eire (b) Cover only applies for emergency treatment necessary in respect of the acute condition occurring during the Period of Insurance and does not cover costs in respect of treatment of any underlying or related chronic condition
(viii) All liability following the Insured acting against medical advice
(ix) Any expenses incurred more than 2 months after the date of the illness or injury occurring
(x) Any claim resulting from a pregnancy, or complication thereof, which would normally have exceeded 32 weeks at the end of the Period of Cover
(xi) Any condition related to exposure to the sun.

Personal Accident
In the event of the Insured sustaining bodily injury arising wholly and exclusively from violent accidental external and visible means which injury shall solely and independently of any other cause result in his/her
death or disablement within twelve calendar months of the injury, the Company hereby agrees to pay to the Insured or in the event of death to his/her legal personal representative the following percentage of the Sum Insured.
Table of Compensation
(a) Death, loss of one or more limbs or one or both eyes 50%
(b) Permanent Total Disablement 100%
Definitions
Loss of Limb: loss or severance at or above the wrist or ankle or total permanent loss of use of an entire arm or leg. Loss of eye(s): total or irrecoverable loss of sight. Permanent Total Disablement: bodily injury
other than above which totally incapacitates the Insured from engaging in or attending to any occupation whatsoever for at least twelve calendar months from the date of the injury and at the end of that time rendering the Insured beyond hope of improvement.
Provided that:
(i) the benefit payable under
(a) above is reduced to £1,000 if the Insured is under the age of 6 at the time of death or if death occurs as a result of ownership, possession or use of any mechanically propelled vehicle (ii) the total compensation in respect of any one Insured shall not exceed the Sum Insured.

Curtailment and Hospital Benefit
Following Insurers admitting liability for a claim within the repatriation section of this policy to reimburse a pro-rata amount of the Insureds pre-paid travel and accommodation costs following curtailment by early
return to the UK/Eire or by attendance at a hospital abroad as an inpatient but not exceeding the Sum Insured.
Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Medical conditions existing prior to departure from the UK/Eire or any consequence thereof in respect of which a doctor would advise against travel or that treatment may be required during the duration of the trip.
(iii) (a) Manipulative treatment (b) Alternative medicine
(iv) Medical conditions existing prior to departure from the UK/Eire in respect of which the sick or injured person has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of same
(v) The cost of replenishing supplies
(vi) Costs incurred by an Insured travelling abroad specifically to obtain medical treatment
(vii) (a) any costs incurred in respect of treatment that can reasonably wait until the insured has returned to the UK/Eire (b) Cover only applies for emergency treatment necessary in respect of the acute condition occurring during the Period of Insurance and does not cover costs in respect of treatment of any underlying or related chronic condition
(viii) All liability following the Insured acting against medical advice
(ix) Any expenses incurred more than 2 months after the date of the illness or injury occurring
(x) Any claim resulting from a pregnancy, or complication thereof, which would normally have exceeded 32 weeks at the end of the Period of Cover
(xi) Any condition related to exposure to the sun.
Warranty applicable to Medical Expenses, Dental Treatment, Repatriation Expenses and Curtailment
In the event of death or injury or illness likely to result in hospitalisation, repatriation, or any alteration in travel plans or where the costs exceed £500 then immediate advice must be given to FirstAssist (for details see Emergency Assistance and Repatriation section on page ) as specified in this policy and liability shall only attach in respect of expenses agreed by them. It is further warranted that the Insured shall take all reasonable action to obtain medical treatment within any existing reciprocal health care agreement and recover any refunds within that agreement to which they may be entitled. Furthermore the Insured (and/or their legal representative) hereby authorise the release of any medical information as may be required to the Company appointed doctor. It is further warranted that any costs reasonably incurred by FirstAssist on behalf of the Insured and for the benefit of the Insured in any emergency situation shall not be deemed to be an admission of liability under this insurance.
Any refunds in respect of pre-paid unused travel or accommodation shall inure to the benefit of the Company. We reserve the right to repatriate the Insured Person to the UK/Eire when in the opinion of the doctor in
attendance and our medical advisers the Insured Person is fit to travel.

Dental Expenses
The Company will indemnify the Insured up to £350 for strictly necessary emergency dental treatment of natural teeth only for the immediate relief of pain occurring during the Period of Insurance.

Repatriation Expenses
The Company will indemnify the Insured up to the Sum Insured ) Following illness or injury of the Insured or of the person travelling with the Insured or following death, injury or illness of either an
Insured Persons close relative or a close business associate of the Insured upon whom the Insured Persons business in the UK/Eire depends to pay (i) receipted costs, necessarily incurred, in respect of
repatriation to the UK/Eire or repatriation home in the UK/Eire if holidaying in the UK/Eire (ii) additional costs, necessarily incurred, of accommodation and subsequent repatriation if the trip is extended.
2) Following the death of the Insured during the Period of Insurance to pay (i) all costs in respect of repatriation of the Insured to the UK/Eire undertaker specified by next-of-kin or (ii) the reasonable cost of
burial or cremation in the country where death occurs excepting UK/Eire but not exceeding the cost of repatriation to the UK/Eire.
Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Medical conditions existing prior to departure from the UK/Eire or any consequence thereof in respect of which a doctor would advise against travel or that treatment may be required during the duration of the trip.
(iii) (a) Manipulative treatment (b) Alternative medicine
(iv) Medical conditions existing prior to departure from the UK/Eire in respect of which the sick or injured person has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of same
(v) The cost of replenishing supplies
(vi) Costs incurred by an Insured travelling abroad specifically to obtain medical treatment
(vii) (a) any costs incurred in respect of treatment that can reasonably wait until the insured has returned to the UK/Eire (b) Cover only applies for emergency treatment necessary in respect of the acute condition occurring during the Period of Insurance and does not cover costs in respect of treatment of any underlying or related chronic condition
(viii) All liability following the Insured acting against medical advice
(ix) Any expenses incurred more than 2 months after the date of the illness or injury occurring
(x) Any claim resulting from a pregnancy, or complication thereof, which would normally have exceeded 32 weeks at the end of the Period of Cover
(xi) Any condition related to exposure to the sun.
Emergency Assistance and Repatriation
The STA Travel Assistance service, operated by FirstAssist, is available 24 hours a day and can arrange admission to hospital, ambulance transfers and air repatriation if necessary. To obtain assistance in any
country simply make a call to FirstAssist on Tel: + (0)20 8763 820 Fax: + (0)20 8763 3035
An on-line new case notification form is available on the FirstAssist website: www.firstassist.co.uk. Click on Assistance services/claims information. For ongoing enquiries you can email direct on
international.ops@firstassist.co.uk
The Insured Person must contact FirstAssist and obtain their authorisation before any expenses are incurred over £500. Until FirstAssist have been contacted, we cannot accept responsibility for any expenses.

Repatriation Expenses
The Company will indemnify the Insured up to the Sum Insured ) Following illness or injury of the Insured or of the person travelling with the Insured or following death, injury or illness of either an
Insured Persons close relative or a close business associate of the Insured upon whom the Insured Persons business in the UK/Eire depends to pay (i) receipted costs, necessarily incurred, in respect of
repatriation to the UK/Eire or repatriation home in the UK/Eire if holidaying in the UK/Eire (ii) additional costs, necessarily incurred, of accommodation and subsequent repatriation if the trip is extended.
2) Following the death of the Insured during the Period of Insurance to pay (i) all costs in respect of repatriation of the Insured to the UK/Eire undertaker specified by next-of-kin or (ii) the reasonable cost of
burial or cremation in the country where death occurs excepting UK/Eire but not exceeding the cost of repatriation to the UK/Eire.
Exclusions applying to Medical Expenses, Repatriation Expenses and Curtailment
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Medical conditions existing prior to departure from the UK/Eire or any consequence thereof in respect of which a doctor would advise against travel or that treatment may be required during the duration of the trip.
(iii) (a) Manipulative treatment (b) Alternative medicine
(iv) Medical conditions existing prior to departure from the UK/Eire in respect of which the sick or injured person has had symptoms which are awaiting or receiving treatment, investigation, tests, referral or the results of same
(v) The cost of replenishing supplies
(vi) Costs incurred by an Insured travelling abroad specifically to obtain medical treatment
(vii) (a) any costs incurred in respect of treatment that can reasonably wait until the insured has returned to the UK/Eire (b) Cover only applies for emergency treatment necessary in respect of the acute condition occurring during the Period of Insurance and does not cover costs in respect of treatment of any underlying or related chronic condition
(viii) All liability following the Insured acting against medical advice
(ix) Any expenses incurred more than 2 months after the date of the illness or injury occurring
(x) Any claim resulting from a pregnancy, or complication thereof, which would normally have exceeded 32 weeks at the end of the Period of Cover
(xi) Any condition related to exposure to the sun.
Emergency Assistance and Repatriation
The STA Travel Assistance service, operated by FirstAssist, is available 24 hours a day and can arrange admission to hospital, ambulance transfers and air repatriation if necessary. To obtain assistance in any
country simply make a call to FirstAssist on Tel: + (0)20 8763 820 Fax: + (0)20 8763 3035
An on-line new case notification form is available on the FirstAssist website: www.firstassist.co.uk. Click on Assistance services/claims information. For ongoing enquiries you can email direct on
international.ops@firstassist.co.uk
The Insured Person must contact FirstAssist and obtain their authorisation before any expenses are incurred over £500. Until FirstAssist have been contacted, we cannot accept responsibility for any expenses.

Legal Expenses
The Company will indemnify the Insured up to the Sum Insured in respect of legal costs and expenses incurred in the pursuit of compensation and or damages for personal injury or death during the Period of Insurance. It is a condition of this Section that the Company shall have complete control over all negotiations, legal proceedings and the appointment and control of a solicitor.
Exclusions:
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured person,
(ii) costs or expenses incurred in pursuit of any claim against the Insurer, STATravel, FirstAssist or its agents,
(iii) any claim reported more than 80 days after the commencement of the incident giving rise to such claim
(iv) any claim where the Company considers there is insufficient prospect of success in obtaining a reasonable benefit
(v) costs or expenses incurred prior to the acceptance of the claim by the Company
(vi) any claim by one member of the Insured party against any other member of the Insured party

Loss of Passport
In the event of the loss of the Insureds passport during the Period of Insurance to reimburse the Insured in respect of the cost of an emergency replacement or temporary passport obtained whilst abroad including reasonable and receipted travelling expenses incurred in order to obtain same.

Emergency Assistance and Repatriation
The STA Travel Assistance service, operated by FirstAssist, is available 24 hours a day and can arrange admission to hospital, ambulance transfers and air repatriation if necessary. To obtain assistance in any
country simply make a call to FirstAssist on Tel: + (0)20 8763 820 Fax: + (0)20 8763 3035
An on-line new case notification form is available on the FirstAssist website: www.firstassist.co.uk. Click on Assistance services/claims information. For ongoing enquiries you can email direct on
international.ops@firstassist.co.uk
The Insured Person must contact FirstAssist and obtain their authorisation before any expenses are incurred over £500. Until FirstAssist have been contacted, we cannot accept responsibility for any expenses.

Liability shall be limited to the intrinsic value of the property (to reflect age and wear and tear) or where applicable to the cost of repair whichever is the lesser

Luggage
The Company will indemnify the Insured up to the Sum Insured following accidental loss of or damage to luggage, personal effects and travel tickets all being owned and taken on the trip, or purchased during the
trip, by the Insured.
Warranty
It is warranted that:-.
The Insured shall
(a) take all reasonable care for the supervision of the property
(b) immediately report all loss of or damage to property to either the police or other relevant authority and obtain from them a written report in substantiation of the claim. All necessary action to recover the property should be undertaken,
(c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.
(d) retain all damaged items.
2. Liability shall be limited to the intrinsic value of the property (to reflect age and wear and tear) or where applicable to the cost of repair whichever is the lesser
Exclusions applying to Luggage and Personal Money
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Liability in excess of £250 in respect of all jewellery, furs, watches, photographic, video, audio and other equipment and valuables
(iii) Liability in excess of £150 in respect of any one article or set of articles (including disc collection)
(iv) Loss of or damage to jewellery, furs, watches, video, photographic, audio and other equipment and valuables whilst unattended or in/from luggage in transit
(v) Telecommunications and motor vehicle related equipment and accessories
(vi) Loss or damage to:-
(a) Spectacles, sunglasses, dentures, or any other aids or appliances
(b) Sports equipment and protective clothing
(vii) Loss or damage in the custody of an airline or other carrier recoverable from such carrier
(viii) Any damage to, caused by or resulting from, fragile or perishable articles whilst in transit.

Cancellation
The Company will indemnify the Insured up to the Sum Insured in respect of loss of deposits or cancellation charges levied for pre-booked transport and accommodation in the event of cancellation of the entire
trip prior to its commencement as a result of travel being prevented by:-
1) Death, injury or illness as certified by a doctor, summons for jury service or as a compulsory witness in a court of law (other than in
the line of duty) to be undertaken during the Period of Insurance, compulsory redundancy qualifying for payment under the current Redundancy Legislation and notified after the date or effecting the Insurance, of
(a) the Insured
(b) a person with whom the Insured had arranged to travel
(c) a close relative of the Insured
(d) a close business associate of the Insured upon whom the Insured Persons business in the UK/Eire depends
(e) the host of the Insured or a member of the hosts family residing with the host.
2) Major fire or storm damage or burglary of the Insureds home arising or being discovered within 5 days of commencement of or during the Period of Insurance
3) Cancellation of leave or posting of British Armed Forces, Police or Government Security Personnel where confirmed in writing by the appropriate authority,
4) Hijack of any aircraft on which the Insured is travelling or were scheduled to travel,
5) The Insured being required to re-sit a University or College examination which formed part of a full time course or study, providing the travel arrangements were booked prior to the date on which the previous examination was failed,
6) Breakdown, accident or theft of a vehicle in the UK/Eire in which the Insured was due to travel, occurring within 5 days of the commencement of the Period of Insurance.
7) A complication of the Insureds pregnancy or the duration of such pregnancy exceeding 30 weeks on the date of departure from the UK/Eire.
8) Unavoidable delay exceeding 2 hours at the final point of departure from the UK/Eire as a result of failure or disruption of the pre-booked public transport service in which the Insured was due to depart from
the UK/Eire, where no alternative form of transport is offered.
EXCLUSIONS
The Insurer will not cover:
(i) The first £50 of each claim for each Insured Person,
(ii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from a recurrent condition for which the sick person whose medical condition causes cancellation,
whether they are booked to travel on the holiday or not, has or has had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, or where a doctor would have advised the persons travelling not to travel.
(iii) Any additional charges incurred as a result of any delay in the insured cancelling the booked arrangements.

Missed Departure
In the event of the Insured unavoidably missing the pre-booked departure of the outward journey from the UK/Eire or the final return journey to the UK/Eire due to the failure or disrupting of pre-booked connecting public transport, to reimburse the Insured up to the Sum Insured in respect of the cost of additional travelling expenses incurred if the Insured is unable to reasonably re-organise the travel plans and is as a result stranded at such final departure point.
Exclusions
The Insurer will not cover:
(i) Failure by the Insured to take all reasonable steps to arrive at the departure point at the required time
(ii) Any claim arising from the use of a vehicle not in a roadworthy condition
(iii) Any missing of connecting flights caused by a delay at the initial outward departure point.

Travel Delay
In the event of the departure of the initial outward journey from the U.K./Eire or the departure of the final return journey to the U.K./Eire (excluding stopovers where you were scheduled to remain officially in transit) being delayed in excess of 12 hours due to failure or disruption such pre-booked public transport the Company will compensate the Insured with a payment of £20 after the first full 12 hours of delay and £20 for each subsequent full 12 hours of delay up to the sum insured.

Personal Liability
The Company will indemnify the Insured up to the Sum Insured against all sums the Insured becomes legally liable to pay as damages together with claimants costs in respect of:-
(a) Accidental bodily injury to or death or illness of any person
(b) Accidental loss of or damage to material property, occurring during the Period of Insurance. The Company will in addition pay all costs and expenses incurred with its written consent.
Exclusions
The Insurer will not cover:
(i) The ownership, possession or use of any aircraft, watercraft or mechanically propelled vehicle
(ii) Loss of or damage to property belonging to or in the custody or control of the Insured or any member of the Insureds family or household including the ownership, possession or use of any building or land
(iii) Any wilful or malicious act
(iv) The pursuit of any trade business or profession
(v) Bodily injury death or illness of the Insured or any member of the Insureds family
(vi) Liability assumed under agreement unless such liability would have attached notwithstanding any such agreement.

Emergency Assistance and Repatriation
The STA Travel Assistance service, operated by FirstAssist, is available 24 hours a day and can arrange admission to hospital, ambulance transfers and air repatriation if necessary. To obtain assistance in any
country simply make a call to FirstAssist on Tel: + (0)20 8763 820 Fax: + (0)20 8763 3035
An on-line new case notification form is available on the FirstAssist website: www.firstassist.co.uk. Click on Assistance services/claims information. For ongoing enquiries you can email direct on
international.ops@firstassist.co.uk
The Insured Person must contact FirstAssist and obtain their authorisation before any expenses are incurred over £500. Until FirstAssist have been contacted, we cannot accept responsibility for any expenses.

Adventure sports covered on Standard Policy
Abseiling, American Football*, Archery, Ballooning (organised excursion)*, Baseball, Boogie Boarding*, Bungee Jumping*, Canoeing, Cave Tubing, Cricket, Cycling, Deep Sea Fishing, Elephant Trekking,
Fencing, Football*, Frisbee, Gliding*, Go-Karting, hang Gliding*, Helicopter/Light Aircraft (as a passenger), high Diving (platform only)*, Hiking under 6000m, hockey (field only)*, horse Riding (casual with no
jumping)*, hot Air Ballooning*, Ice Skating, Jetskiing*, Kayaking, Kite Surfing/Skiing/Buggying, Lacrosse, Marathon Running/Triathlon*, Martial Arts Training*, Mopeds/Motorcycle Touring/Motorcycling up to 25cc
where claims and conviction free for previous 3 years and where wearing a helmet, Mountain Biking (not off road), Overland Expedition, Paintballing, Parachuting*, Paragliding*, Parapenting, Parasailing (behind
a boat), Parapenting (behind a motorised vehicle), Quad Biking, Roller Blading, River Boarding*, Rugby*, Safari, Sail Boarding, Sand Boarding*, Scrambling, Scuba Diving (down to 30 meters only), Sea Canoeing,
Skate Boarding*, Skiing Cross Country, Skiing (on Piste only), Skydiving*, Snowboarding (on piste only), Snow Blading (on piste only), Surfing, Trekking under 6000 metres, Wake Boarding*, Water Skiing*,
Weightlifting, White Water Rafting (grades -3)*, Windsurfing, Yachting (in territorial waters)* Zip Wiring/Climbing.
* Activities marked with an asterisk are only covered if the are NOT the main purpose of the trip unless the applicable Sport Trip option has been purchased.
Dangerous sports (cannot be covered)
Air Travel (other than as a fare paying passenger), Base Jumping, Cliff Diving, Competitions, Cresta Run, Crewing on vessels from one country to another, Endurance Tests, Free Climbing, Gorge Swinging, horse
Jumping, hunting, Ice Caving, Ice hockey, Martial Arts Competitions, Motor Sports/Rallying, Mountaineering (without ropes), Mountaineering Expeditions, Piloting a Private Aircraft, Polo, Powerboating, Professional
Sports, Scuba Diving (below 30 metres), Self Defence, Ski Acrobatics, Ski Jumping, Ski Stunting, Solo Sea Sailing, Speed Skating, Stunt Flying/Acrobatics, Use of Weapons, Wreck Diving, Yachting Out of
Territorial Waters, Yacht Racing, Zorbing.

General Conditions
The insurance premium is not refundable under any circumstances other than during the period as defined in the paragraph headed Option to Cancelon page.
2. Cover for children aged under 2 is limited to Cancellation, Medical and Repatriation expenses only.
3. No liability shall attach in respect of persons who are not resident of the UK/Eire where such liability would not have existed had the person been a permanent resident of the UK/Eire.
4. The Insured shall take all reasonable precautions to avoid injury loss or damage.
5. Any word or expression to which a specific meaning has been attached in any part of this policy shall bear such meaning wherever it may appear.
6. Except under Personal Accident, if any loss, damage, injury, liability or expense is the subject of any other insurance the Company shall not be liable to pay except in respect of any excess beyond the
amount which would have been payable under such other insurance had this policy not existed.
7. (i) (a) The travel company named in this document is not a servant or agent or employee of the Insurers named herein
(b) the Insured shall at the time of effecting this insurance disclose to Towergate Chase Parkinson directly any facts that could be material to this insurance
(ii) if, after the payment of the premium and the issue of cover, but before commencement of travel, the Insured or any other person upon whose health the trip is dependant shall suffer from a chronic or an acute medical condition which may affect the travel plans or may require medical intervention during the Period of Insurance then such condition shall be disclosed to Towergate Chase Parkinson immediately.
8. On the happening of any event which may give rise to a claim the Insured shall
(a) give immediate written notice but in any event within 28 days of the date of the occurrence to Towergate Chase Parkinson
(b) furnish at the Insureds expense such reports information and proof as may reasonably be required.
9. If the Insured is not at the time of effecting this insurance aware of any circumstances which are likely to result in a claim under this policy they must advise Towergate Chase Parkinson immediately.
10. All liability shall cease upon the return of the Insured to the UK/Eire or upon their admission into medical care in the UK/Eire whichever shall be the sooner.
11. If any claim upon this Policy be in any respect fraudulent or if any fraudulent means or devices be used by the Insured or anyone acting on his behalf to obtain benefit under this Policy all benefit thereunder shall be forfeited.
12. In the absence of Insurers written agreement to the contrary this policy shall be governed by the law applicable to your UK/Eire home address.
13. The Company shall be entitled at its own expense to take any proceedings it considers reasonable in the Insureds name to recover any payment made under this policy and any amount so recovered shall belong to the Company.