Worldwide Single Trip Super (Winter Sports)

Section 2
Emergency medical, repatriation and associated expenses
You are covered up to the amount shown in the Benefits Schedule for either the necessary and reasonable costs incurred as a result of your unforeseen bodily injury, illness, death or complications arising as a direct result of pregnancy during your trip in respect of:-
a. emergency medical, surgical and hospital treatment and transportation. At the sole discretion of our nominated emergency services, who reserve the right to make the final decision as to whether or not it is medically necessary, this also includes the cost of repatriation to your home country, by whatever means deemed medically necessary. The cost of emergency dental treatment to natural teeth is covered up to £350 provided that it is for the immediate relief of pain only.
b. additional travel expenses and accommodation (on a bed and breakfast basis) to enable you to return home if you are unable to travel as originally planned.
c. additional travel expenses and accommodation (on a bed and breakfast basis) for
i. travelling companion to stay with you and accompany you home or,
ii. relative or friend to travel from your home country to stay with you and accompany you home.
d. returning your remains to your home or of a funeral in the country where you die, up to the equivalent cost of returning your remains to your home country, or
e. your necessary additional travel expenses to return home following the death, serious injury or serious illness of a travelling companion insured by us or of your relative or business colleague in your home country. The prior agreement of our nominated emergency services, must be obtained.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim unless a recovery can be made under the terms of the European Health Insurance Card or any other reciprocal agreement.
b. any directly or indirectly related claims if you or your travelling companions have :
i. any Pre-existing Medical Condition as defined or
ii. ever suffered from or been investigated or treated for or diagnosed with.
- any cancer or malignant condition
- any lung- or heart-related condition (including angina)
- any circulatory condition (including hypertension - unless it is the only condition you have and it is well controlled)
c. any claim related to the health of a non-traveller (as defined) if you made arrangements for your trip in the knowledge that they were suffering from a Pre-Existing Medical Condition as defined.
We may agree not to apply (b) and (c) above or to accept this insurance at special terms if you supply us with details of your condition. Please contact the Worldwide Medical Desk on 0870 428 6510
d. any directly or indirectly related claims if, at the time this insurance was arranged and each time you make arrangements for a trip, you:
i. are travelling against the advice of your medical practitioner.
ii.are travelling specifically to seek or you know you will need medical treatment while you are away.
iii.or, as far as you are aware, a travelling companion or non-travelling relative have been diagnosed with a terminal condition.
iv.were aware of any other circumstances that could reasonably be expected to give rise to a claim.
e. any treatment or surgery
i .which is not immediately necessary and can wait until you return home.We reserve the right to repatriate you when you are fit to travel in the opinion of our nominated emergency services. If you refuse to be repatriated then you will not be covered for any further expenses under this Section that may subsequently be incurred.
ii. which in the opinion of our nominated emergency services, is considered to be cosmetic, experimental or elective.
iii. carried out in your home country or more than 12 months after the expiry of this Insurance.
iv. not given within the terms of any reciprocal health agreements, wherever such agreements exist.
f. normal pregnancy, without any accompanying bodily injury, illness or complication. This section is designed to provide cover for unforeseen events, accidents and illnesses and normal childbirth would not constitute an unforeseen event.
g. exploratory tests unless they are normally conducted as a direct result of the condition which required referral to hospital.
h. claims related to manual labour unless declared to and accepted by us.
i. the additional cost of accommodation in a single or private room, unless it is medically necessary or there is no alternative.
j. the costs of medication or treatment that you knew at the time of your departure would need to be continued during your trip.
k. the costs of replacing or repairing false teeth or of dental work involving the use of precious metals.
Please note
1. If you do not hold a return ticket to your Home Country we will only pay the additional cost of an economy class ticket in excess of the cost of a typical advance purchase discounted fare for the appropriate route.
Important Conditions
Please note that it is essential under the terms of this insurance that
a. In the event of any illness, injury, accident or hospitalisation involving anyone insured under this policy where the anticipated costs are likely to exceed £500 You must notify our nominated emergency service. They will direct You to an appropriate medical facility and may be able to guarantee costs on Your behalf.
If it is not possible to notify them in advance because the condition requires immediate treatment to save life or limb, our nominated emergency service must be contacted as soon as possible. Failure to do so will affect the assessment of your claim.
b. Wherever possible you must use medical facilities that entitle you to the benefits of any reciprocal health agreement such as the European Health Insurance Card in Europe and Medicare in Australia.
Please also refer to the general exclusions and conditions.
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Section 8
Personal money
(Cover under this Section starts at the time of collection from the Bank, or 72 hours prior to departure, whichever is the later).
You are covered up to the amount shown in the Benefits Schedule for loss or theft of Personal Money.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim.
b. loss or theft from an unattended motor vehicle at any time.
c. more than the amount shown in the Benefits Schedule in respect of cash carried by you, whoever it may belong to.
d. any loss resulting from shortages due to error, omission or depreciation in value.
e. loss or theft of Personal Money whilst out of your immediate control or supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions. collapse

Section 9
Loss of passport
You are covered up to the amount shown in the Benefits Schedule following loss or theft of your Passport for any reasonable additional necessary costs incurred in obtaining a replacement to enable you to continue your trip or return to your home country.
You are not covered for loss or theft either from an unattended motor vehicle at any time or from baggage whilst in transit unless you are carrying it.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions. collapse

Section 15
Ski equipment and other expenses
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation and subject to the Special Condition shown below, for
a. Loss or theft of, or damage to Ski Equipment owned or borrowed by you,
b. Loss or theft of, or damage to Ski Equipment hired by you,
c. The cost of necessary hire of Ski Equipment following:
i. loss or theft of, or damage to, your Ski Equipment insured by us or,
ii. the delayed arrival of your Ski Equipment, subject to you being deprived of their use for not less than 12 hours.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule for each claim other than claims for hire costs.
b. Ski Equipment stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if stolen at any other time, unless they were forcibly removed whilst locked either inside the vehicle or to a
purpose designed ski rack.
c. damage to Ski Equipment whilst in use for race training or racing.
d. your damaged Ski Equipment unless returned to your home country for our inspection.
e. loss or theft of Ski Equipment not reported to the police within 24 hours of discovering the loss and a written report or reference obtained.
f. loss or theft of, or damage to, Ski Equipment whilst in transit unless reported to the carrier and a Property Irregularity Report obtained.
g. loss or theft of, or damage to, Ski Equipment over 5 years old.
Special condition applicable to Section 15
In respect of loss or damage to Ski Equipment, we will not pay more than the proportion shown below depending on the age of the equipment. Age of Equipment Proportion of original purchase price
Up to 1 year 85%
Up to 2 years 65%
Up to 3 years 45%
Up to 4 years 30%
Up to 5 years 20%
Over 5 years NIL
Please also refer to the general exclusions and conditions. collapse

Section 15
Ski equipment and other expenses
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation and subject to the Special Condition shown below, for
a. Loss or theft of, or damage to Ski Equipment owned or borrowed by you,
b. Loss or theft of, or damage to Ski Equipment hired by you,
c. The cost of necessary hire of Ski Equipment following:
i. loss or theft of, or damage to, your Ski Equipment insured by us or,
ii. the delayed arrival of your Ski Equipment, subject to you being deprived of their use for not less than 12 hours.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule for each claim other than claims for hire costs.
b. Ski Equipment stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if stolen at any other time, unless they were forcibly removed whilst locked either inside the vehicle or to a
purpose designed ski rack.
c. damage to Ski Equipment whilst in use for race training or racing.
d. your damaged Ski Equipment unless returned to your home country for our inspection.
e. loss or theft of Ski Equipment not reported to the police within 24 hours of discovering the loss and a written report or reference obtained.
f. loss or theft of, or damage to, Ski Equipment whilst in transit unless reported to the carrier and a Property Irregularity Report obtained.
g. loss or theft of, or damage to, Ski Equipment over 5 years old.
Special condition applicable to Section 15
In respect of loss or damage to Ski Equipment, we will not pay more than the proportion shown below depending on the age of the equipment. Age of Equipment Proportion of original purchase price
Up to 1 year 85%
Up to 2 years 65%
Up to 3 years 45%
Up to 4 years 30%
Up to 5 years 20%
Over 5 years NIL
Please also refer to the general exclusions and conditions. collapse

Section 15
Ski equipment and other expenses
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation and subject to the Special Condition shown below, for
a. Loss or theft of, or damage to Ski Equipment owned or borrowed by you,
b. Loss or theft of, or damage to Ski Equipment hired by you,
c. The cost of necessary hire of Ski Equipment following:
i. loss or theft of, or damage to, your Ski Equipment insured by us or,
ii. the delayed arrival of your Ski Equipment, subject to you being deprived of their use for not less than 12 hours.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule for each claim other than claims for hire costs.
b. Ski Equipment stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if stolen at any other time, unless they were forcibly removed whilst locked either inside the vehicle or to a
purpose designed ski rack.
c. damage to Ski Equipment whilst in use for race training or racing.
d. your damaged Ski Equipment unless returned to your home country for our inspection.
e. loss or theft of Ski Equipment not reported to the police within 24 hours of discovering the loss and a written report or reference obtained.
f. loss or theft of, or damage to, Ski Equipment whilst in transit unless reported to the carrier and a Property Irregularity Report obtained.
g. loss or theft of, or damage to, Ski Equipment over 5 years old.
Special condition applicable to Section 15
In respect of loss or damage to Ski Equipment, we will not pay more than the proportion shown below depending on the age of the equipment. Age of Equipment Proportion of original purchase price
Up to 1 year 85%
Up to 2 years 65%
Up to 3 years 45%
Up to 4 years 30%
Up to 5 years 20%
Over 5 years NIL
Please also refer to the general exclusions and conditions. collapse

Section 7
Baggage
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to,
a. your Personal Effects.
b. your Valuables.
You are also covered up to the amount shown in the Benefits Schedule in respect of Emergency Purchases for the reasonable cost of buying essential requirements if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination.You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for Emergency Purchases will be deducted from the total claim.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim, except for Emergency Purchases.
b. more than the amount shown in the Benefits Schedule for any one item, pair or set in respect of Personal Effects and Valuables.
c. any additional value an item may have because it forms part of a pair or set.
d. more than £100 in total for Personal Effects stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
e. loss or theft of or damage to Valuables whilst they are out of your immediate control and supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
f. the loss of Valuables overboard.
g. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.
h. loss or theft of or damage
i. to household goods, bicycles, waterborne craft and their fittings of any kind,
ii. to motor vehicles, trailers or caravans or any fixtures or accessories therein or thereon,
iii. to watersports and ski equipment,
iv. to contact lenses, dentures and hearing aids,
v. to Personal Effects or baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained,
vi. to Personal Effects sent by post, freight or any other form of unaccompanied transit,
vii. to sports clothing or equipment whilst in use,
viii. caused by moth or vermin or by gradual wear and tear in normal use,
ix. caused by any process of cleaning, repairing or restoring,
x. caused by leakage of powder or fluid from containers carried in your baggage
xi. to furs.
i. mechanical or electrical breakdown.
j. more than £50 in respect of non-prescription sunglasses, unless substantiated by the original purchase receipt pre-dating the loss.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.
Special exclusions applicable to Sections 7, 8 and 9
You are not covered for
a. more than £100 in total under these Sections in respect of loss or theft of anything left unattended in a public place, including on a beach.
b. loss or theft of Valuables, Personal Money, Passport and any item valued over £100 unless reported to the police within 24 hours of discovering the loss, and a written report obtained.
c. loss of bonds or securities of any kind.
d. delay, detention, seizure or confiscation by customs or other officials.
Special conditions applicable to Sections 7, 8 and 9
It is a requirement of this insurance that you must:
a. in the event of a claim,
i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100, and
ii. retain any damaged items for our inspection.
b. take care of your property at all times and take all practical steps to recover any item lost or stolen. Failure to exercise all reasonable care may result in your claim being reduced or declined.
Please also refer to the general exclusions and conditions. collapse

Section 7
Baggage
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to,
a. your Personal Effects.
b. your Valuables.
You are also covered up to the amount shown in the Benefits Schedule in respect of Emergency Purchases for the reasonable cost of buying essential requirements if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination.You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for Emergency Purchases will be deducted from the total claim.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim, except for Emergency Purchases.
b. more than the amount shown in the Benefits Schedule for any one item, pair or set in respect of Personal Effects and Valuables.
c. any additional value an item may have because it forms part of a pair or set.
d. more than £100 in total for Personal Effects stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
e. loss or theft of or damage to Valuables whilst they are out of your immediate control and supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
f. the loss of Valuables overboard.
g. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.
h. loss or theft of or damage
i. to household goods, bicycles, waterborne craft and their fittings of any kind,
ii. to motor vehicles, trailers or caravans or any fixtures or accessories therein or thereon,
iii. to watersports and ski equipment,
iv. to contact lenses, dentures and hearing aids,
v. to Personal Effects or baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained,
vi. to Personal Effects sent by post, freight or any other form of unaccompanied transit,
vii. to sports clothing or equipment whilst in use,
viii. caused by moth or vermin or by gradual wear and tear in normal use,
ix. caused by any process of cleaning, repairing or restoring,
x. caused by leakage of powder or fluid from containers carried in your baggage
xi. to furs.
i. mechanical or electrical breakdown.
j. more than £50 in respect of non-prescription sunglasses, unless substantiated by the original purchase receipt pre-dating the loss.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.
Special exclusions applicable to Sections 7, 8 and 9
You are not covered for
a. more than £100 in total under these Sections in respect of loss or theft of anything left unattended in a public place, including on a beach.
b. loss or theft of Valuables, Personal Money, Passport and any item valued over £100 unless reported to the police within 24 hours of discovering the loss, and a written report obtained.
c. loss of bonds or securities of any kind.
d. delay, detention, seizure or confiscation by customs or other officials.
Special conditions applicable to Sections 7, 8 and 9
It is a requirement of this insurance that you must:
a. in the event of a claim,
i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100, and
ii. retain any damaged items for our inspection.
b. take care of your property at all times and take all practical steps to recover any item lost or stolen. Failure to exercise all reasonable care may result in your claim being reduced or declined.
Please also refer to the general exclusions and conditions. collapse

Section 7
Baggage
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to,
a. your Personal Effects.
b. your Valuables.
You are also covered up to the amount shown in the Benefits Schedule in respect of Emergency Purchases for the reasonable cost of buying essential requirements if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination.You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for Emergency Purchases will be deducted from the total claim.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim, except for Emergency Purchases.
b. more than the amount shown in the Benefits Schedule for any one item, pair or set in respect of Personal Effects and Valuables.
c. any additional value an item may have because it forms part of a pair or set.
d. more than £100 in total for Personal Effects stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
e. loss or theft of or damage to Valuables whilst they are out of your immediate control and supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
f. the loss of Valuables overboard.
g. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.
h. loss or theft of or damage
i. to household goods, bicycles, waterborne craft and their fittings of any kind,
ii. to motor vehicles, trailers or caravans or any fixtures or accessories therein or thereon,
iii. to watersports and ski equipment,
iv. to contact lenses, dentures and hearing aids,
v. to Personal Effects or baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained,
vi. to Personal Effects sent by post, freight or any other form of unaccompanied transit,
vii. to sports clothing or equipment whilst in use,
viii. caused by moth or vermin or by gradual wear and tear in normal use,
ix. caused by any process of cleaning, repairing or restoring,
x. caused by leakage of powder or fluid from containers carried in your baggage
xi. to furs.
i. mechanical or electrical breakdown.
j. more than £50 in respect of non-prescription sunglasses, unless substantiated by the original purchase receipt pre-dating the loss.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.
Special exclusions applicable to Sections 7, 8 and 9
You are not covered for
a. more than £100 in total under these Sections in respect of loss or theft of anything left unattended in a public place, including on a beach.
b. loss or theft of Valuables, Personal Money, Passport and any item valued over £100 unless reported to the police within 24 hours of discovering the loss, and a written report obtained.
c. loss of bonds or securities of any kind.
d. delay, detention, seizure or confiscation by customs or other officials.
Special conditions applicable to Sections 7, 8 and 9
It is a requirement of this insurance that you must:
a. in the event of a claim,
i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100, and
ii. retain any damaged items for our inspection.
b. take care of your property at all times and take all practical steps to recover any item lost or stolen. Failure to exercise all reasonable care may result in your claim being reduced or declined.
Please also refer to the general exclusions and conditions. collapse

24 hour emergency service and medical treatment instructions
Our nominated emergency service is provided by
AXA Assistance
In the event of any illness, injury, accident or hospitalisation involving anyone insured under this policy where the anticipated costs are likely to exceed £500 You must notify AXA Assistance. They will direct
You to an appropriate medical facility and they may be able to guarantee costs on Your behalf.
When contacting AXA Assistance please state that Your insurance is provided by Worldwide Travel Insurance Services Ltd and quote the appropriate reference number:
Reference Number: WTIS Super 2009
Tel: +44 (0) 845 839 9316
Note:You must retain receipts for medical & additional costs incurred.
Hospital treatment abroad
If You go into hospital abroad and You are likely to be in hospital for more than 24 hours, You must contact AXA Assistance immediately. If You do not, this could mean that We will not provide cover or We will reduce the amount We pay for medical expenses. If You receive medical treatment abroad as an outpatient, You should pay the hospital or clinic and claim back Your medical expenses from the claims handlers when You return to your Home Country.
Returning early to your Home Country
If You have to return to your Home Country under Section 1 Cancellation & Curtailment, or Section 2 Emergency Medical Expenses, AXA Assistance must authorise this. If they do not, this could mean that We
will not provide cover or We may reduce the amount We pay for Your return to your Home Country. AXA Assistance reserve the right to repatriate You should Our medical advisors consider You fit to travel.
AXA Assistance may be contacted from anywhere in the world to provide assistance to You. If You experience difficulty getting through on the numbers listed above AXA Assistance can also be contacted on the following number: Tel: +44 (0) 203 281 1907
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Section 6
Missed departure
You are covered up to the amount shown in the Benefits Schedule for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your prebooked itinerary too late to board the public transport on which you are booked to travel as a result of:
a. the failure of public transport or,
b. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.
You are not covered
a. for a claim caused by a strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the later.
b. to claim under this Section if you have also claimed under Section 5 from the same cause.
c. any claim for more than the cost of the original booked trip.
Conditions
You must:-
a. have planned to arrive at your departure point in advance of your earliest scheduled check-in time and provide a written report from the carrier, Police or relevant transport authority confirming the delay and
stating its cause.
b. obtain a report from repairers if your claim is because of breakdown or accident to your car.
Please also refer to the general exclusions and conditions. collapse

Section 1
Cancellation and curtailment
(Cover under this Section starts from the date shown in your documentation or the date travel is booked, whichever is the later).
You are covered up to the amount shown in the Benefits Schedule for your proportionate share of the unused travel and accommodation costs (including unused pre-booked excursions and attraction tickets up to a value of £100 and car hire charges) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance:-
a. i. unforeseen serious injury, serious illness or death, or
ii. unforeseen complications arising as a direct result of pregnancy;
suffered by you, a travelling companion or a non-traveller (as defined).
b. the accidental serious injury, serious illness or death of your relative or that of a travelling companion or person with whom you intended to stay.
c. receipt of a summons for jury service, being subpoenaed as a court witness or being placed in compulsory quarantine.
d. your unexpected requirement for emergency and unavoidable duty as a member of the armed forces, police, fire, nursing, ambulance or coastguard services resulting in cancellation of previously agreed leave.
e. redundancy, provided that you are entitled to payment under the current redundancy payments legislation and that at the time of booking your trip you had no reason to believe that you would be made redundant.
f. your presence being required to make your property safe and secure following fire, flood or burglary that causes serious damage at your home within 48 hours of departure, or whilst you are away.
g. your car becoming unusable as a result of theft, fire or accident within 7 days of your departure. This only applies if you are planning to go on a self-drive trip in the car.
h. the injury or illness of your horse, dog or cat within 14 days of your departure or whilst you are away that requires emergency life-saving surgery, as certified by your vet.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule.
b. anything not included in You are covered above.
c. any directly or indirectly related claims if you or your travelling companions have :
i. any Pre-existing Medical Condition as defined or
ii. ever suffered from or been investigated or treated for or diagnosed with
- any cancer or malignant condition
- any lung- or heart-related condition (including angina)
- any circulatory condition (including hypertension - unless it is the only condition you have and it is well controlled)
d. any claim related to the health of a non-traveller (as defined) if you made arrangements for your trip in the knowledge that they were suffering from a Pre-Existing Medical Condition as defined.
We may agree not to apply (c) or (d) above or to accept this insurance at special terms if you supply us with details of your condition. Please contact the Worldwide Medical Desk on 0870 428 6510
e. any directly or indirectly related claims if, at the time this insurance was arranged and each time you make arrangements for a trip, you:
i.are travelling against the advice of your medical practitioner.
ii.are travelling specifically to seek or you know you will need medical treatment while you are away.
iii.or, as far as you are aware, a travelling companion or nontraveller (as defined) have been diagnosed with a terminal condition.
iv. were aware of any other circumstances that could reasonably be expected to give rise to a claim.
f. any costs incurred in respect of visas obtained in connection with the trip
g. disinclination to travel
h. failure to obtain the necessary passport, visa or permit for your trip.
i. claims arising from your anxiety, stress, depression or any other mental or nervous disorder unless you provide a medical certificate from a consultant specialising in the relevant field stating that this necessarily and reasonably prevented you from travelling.
Please note that curtailment claims will be calculated from the day you return to your home country or you are hospitalised as an in-patient.
Your claim will be based solely on the number of complete night's accommodation lost out of your originally booked arrangements. In respect of travel expenses, we will pay for any additional costs but not
for the loss of your pre-booked arrangements.
Conditions
1.It is a requirement of this Insurance that if you
a. (for Cancellation) become aware of any circumstances which make it necessary for you to cancel your trip, you must advise your tour operator or travel agent in writing within 48 hours. The maximum amount we will pay will be limited to the applicable cancellation charges at that time.
b. for Curtailment) wish to return home differently to your original plans and claim any additional costs under this Insurance, you must contact our nominated emergency services and obtain their agreement to the
new arrangements.
Failure to do so will affect the assessment of your claim.
2. Frequent Flyer or similar reward programmes - claims for expenses paid for using such programmes will be admitted in respect of flight costs only and shall be limited to the cost of an APEX economy ticket
for the same airline, route and, as far as possible under the airline's booking conditions, flight time.
Please also refer to the general exclusions and conditions.
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Section 5
Travel delay and abandonment
You are covered up to the amounts (a), (b) and (c) shown in the Benefits Schedule if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.
(a) for the first complete 12 hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c).
However, if your departure from your home country is delayed for more than 24 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under Section 1.
You are not covered
a. for a claim caused by a strike if it had started or been announced before you arranged this Insurance or booked your trip, whichever is the later.
b. if you fail to check-in on time.
c. if transport services are withdrawn as the result of a recommendation or instruction from the Civil Aviation Authority, Port Authority or similar body.
d. for the amount of the Excess shown in the Benefits Schedule in respect of each claim for abandonment.
e. to claim under this Section if you have also claimed under Section 6 from the same cause.
Please also refer to the general exclusions and conditions. collapse

Section 7
Baggage
You are covered up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to,
a. your Personal Effects.
b. your Valuables.
You are also covered up to the amount shown in the Benefits Schedule in respect of Emergency Purchases for the reasonable cost of buying essential requirements if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination.You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for Emergency Purchases will be deducted from the total claim.
You are not covered for
a. the amount of the Excess shown in the Benefits Schedule in respect of each claim, except for Emergency Purchases.
b. more than the amount shown in the Benefits Schedule for any one item, pair or set in respect of Personal Effects and Valuables.
c. any additional value an item may have because it forms part of a pair or set.
d. more than £100 in total for Personal Effects stolen from an unattended motor vehicle between the hours of 9 p.m. and 8 a.m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
e. loss or theft of or damage to Valuables whilst they are out of your immediate control and supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
f. the loss of Valuables overboard.
g. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.
h. loss or theft of or damage
i. to household goods, bicycles, waterborne craft and their fittings of any kind,
ii. to motor vehicles, trailers or caravans or any fixtures or accessories therein or thereon,
iii. to watersports and ski equipment,
iv. to contact lenses, dentures and hearing aids,
v. to Personal Effects or baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained,
vi. to Personal Effects sent by post, freight or any other form of unaccompanied transit,
vii. to sports clothing or equipment whilst in use,
viii. caused by moth or vermin or by gradual wear and tear in normal use,
ix. caused by any process of cleaning, repairing or restoring,
x. caused by leakage of powder or fluid from containers carried in your baggage
xi. to furs.
i. mechanical or electrical breakdown.
j. more than £50 in respect of non-prescription sunglasses, unless substantiated by the original purchase receipt pre-dating the loss.
Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.
Special exclusions applicable to Sections 7, 8 and 9
You are not covered for
a. more than £100 in total under these Sections in respect of loss or theft of anything left unattended in a public place, including on a beach.
b. loss or theft of Valuables, Personal Money, Passport and any item valued over £100 unless reported to the police within 24 hours of discovering the loss, and a written report obtained.
c. loss of bonds or securities of any kind.
d. delay, detention, seizure or confiscation by customs or other officials.
Special conditions applicable to Sections 7, 8 and 9
It is a requirement of this insurance that you must:
a. in the event of a claim,
i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100, and
ii. retain any damaged items for our inspection.
b. take care of your property at all times and take all practical steps to recover any item lost or stolen. Failure to exercise all reasonable care may result in your claim being reduced or declined.
Please also refer to the general exclusions and conditions. collapse

Section 5
Travel delay and abandonment
You are covered up to the amounts (a), (b) and (c) shown in the Benefits Schedule if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.
(a) for the first complete 12 hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c).
However, if your departure from your home country is delayed for more than 24 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under Section 1.
You are not covered
a. for a claim caused by a strike if it had started or been announced before you arranged this Insurance or booked your trip, whichever is the later.
b. if you fail to check-in on time.
c. if transport services are withdrawn as the result of a recommendation or instruction from the Civil Aviation Authority, Port Authority or similar body.
d. for the amount of the Excess shown in the Benefits Schedule in respect of each claim for abandonment.
e. to claim under this Section if you have also claimed under Section 6 from the same cause.
Please also refer to the general exclusions and conditions. collapse

Section 5
Travel delay and abandonment
You are covered up to the amounts (a), (b) and (c) shown in the Benefits Schedule if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.
(a) for the first complete 12 hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c).
However, if your departure from your home country is delayed for more than 24 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under Section 1.
You are not covered
a. for a claim caused by a strike if it had started or been announced before you arranged this Insurance or booked your trip, whichever is the later.
b. if you fail to check-in on time.
c. if transport services are withdrawn as the result of a recommendation or instruction from the Civil Aviation Authority, Port Authority or similar body.
d. for the amount of the Excess shown in the Benefits Schedule in respect of each claim for abandonment.
e. to claim under this Section if you have also claimed under Section 6 from the same cause.
Please also refer to the general exclusions and conditions. collapse

There are various discounts available, for the removal of cover:
20% discount for Baggage & Money Cover
10% discount for Cancellation & Curtailment Cover
30% discount for Baggage, Money, Cancellation & Curtailment Covercollapse