Citybond Travel Insurance Review

Citybond  Travel Insurance Review

Citybond Travel Insurance Review

About Citybond Travel Insurance

Citybond were formed in 1983 and are based in Beckenham. Citybond are a leading specialist travel insurance provider, members of BIBA (The British Insurance Brokers Association) and are an ABTA Travel Industry Partner as well as a member of the Association of Travel Insurers. All policies are underwritn by Union Reiseversicherung AG. URV are based in Munich Germany. They are authorised in Germany by BAFIN and subject to limited authorisation in the UK by the FCA (Financial Conduct Authority).

Citybond also own the following travel sites Flexicover.com,Topdog Travel Insurance, & Spectrum Travel.  Single trip policies have no upper age limit and a high limit of 85 years of age on annual travel policies. Wintersports can be included up to the age of 70. Policies include free business travel and over 300 medical conditions are covered free of charge. For any other conditions quotes can be obtained by using the online medical screening facility. Cover starts from as little as £10,00.

The policy booklet at 30 pages is well designed. We strongly advocate reading it in full before making any decision to purchase. We have assisted by listing important points below that we feel you should know about before taking out a policy. 

 

Citybond Travel Insurance Policies are Underwritten By URV

Ratings for Citybond Travel Insurance Citybond Travel Insurance Star Rated Travel Policies

Click on the blue bars on the right side of the Policy Type Bar to expand and view all policies offered by Citybond Travel Insurance and star ratings given by That's Insurance.

Single Trip Insurance Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Supreme, Premier, Economy, we have rated these as follows:-

Thats Insurance Rating for Supreme:

Thats Insurance Rating for Premier:

Thats Insurance Rating for Economy:

Single Trip Travel Insurance Guide here
Citybond Travel Insurance Review

Backpacker Insurance Policy Ratings Click to Expand

There are 2 Backpacker Policies, they are Young Traveller Premier, Young Traveller Economy, we have rated these as follows:-

Thats Insurance Rating for Young Traveller Premier:

Thats Insurance Rating for Young Traveller Economy:

Backpacker Travel Insurance Guide here
Citybond Travel Insurance Review

Annual Insurance Policy Ratings Click to Expand

There are 3 Annual Policies, they are Economy, Premier, Supreme, we have rated these as follows:-

Thats Insurance Rating for Economy:

Thats Insurance Rating for Premier:

Thats Insurance Rating for Supreme:

Citybond Travel Insurance Review

Longstay Insurance Policy Ratings Click to Expand

There are 2 Longstay Policies, they are Premier, Economy, we have rated these as follows:-

Thats Insurance Rating for Premier:

Thats Insurance Rating for Economy:

Citybond Travel Insurance Review

Important Information on Citybond Travel Insurance's Policy Wording

What is age/classification of Child?

Your dependents who are under the age of 18, living at home with you or in full time education

Age Limits?

At time of purchase:-

No Maximum Age for Single Trips - (at the date of purchase of the insurance).

Aged 85 for Multi Trip - (at the date of purchase of the insurance).

Aged 70 for Longstay - (at the date of purchase of the insurance).

Aged 45 for Backpacker(Young Traveller) - (at the date of purchase of the insurance).

Aged 70 if Wintersports is added. - (at the date of purchase of the insurance).

Annual Trip, Trip Duration

  • 50 days for each insured person up to and including 65 years of age. This is extendable up to 100 days upon payment of an additional premium.
  • 35 days for each insured person aged between 66 and 85 years of age inclusive. This is not extendable.
  • Winter Sports cover may be included up to 17 days during the period of insurance for each insured person aged up to and including 70 years of age upon payment of the appropriate premium.

Single Trip, Trip Duration

  • For each insured person aged 75 years and under, the maximum trip duration is 100 days.
  • For each insured person aged 76 years and over, the maximum trip duration is 31 days.
  • Stop overs during your travel to/from your destination country if travelling worldwide are limited to 72 hours for Backpacker/Longstay Policies detailed in the geographical area.  All other policies are limited to 24 hours.

Longstay Trip, Trip Duration

  •  For insured persons aged up to and including 45 years of age the maximum duration shall not exceed 18 months.

Note: In the event that you return temporarily, and not exceeding 14 days, to your home during the period of insurance the cover under the policy will cease upon your arrival home and not be re-instated until departure from your home. Any claim occurring during
your stay within your home area will not be covered.

No of persons covered, family/ group?

Group - no limit on individuals.

Family means “means up to two adults and any number of their children, step children, foster children or grandchildren aged under 18. Each insured person is covered to travel independently.”

Reciprocal Health Agreements?

EHIC strongly advised but not mandatory if travelling to the EU. You must enrol in Medicare if travelling to Australia.

Sporting Activities, what’s included?

There is a list of over 100 activities covered as standard. Additional activities can be covered after payment of the appropriate additional premium. Some activities are * starred as excluding Personal Liability and Personal Accident.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

Alcohol Exclusion, Terms?

Policy states the Insurer shall not be responsible claims where “You drinking too much alcohol (a blood alcohol level that exceeds 0.19% - approximately 4 pints or 4 glasses of wine) resulting in a claim. Wilful, self inflicted injury (except where it is to save human life), suicide, drug use or solvent abuse. “

Scheduled Airline Failure/End Supplier Failure cover?

Scheduled airline failure cover and hijack is included free of charge. Cover level varies depending on the policy.

Medical Conditions, Exclusions, Vaccinations?

There is standard cover provided for over 300 medical conditions and optional cover on over 2000 conditions which can now be underwritten online in most cases, without the need to make a phone call. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

Travelling while Pregnant?

“Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise:

Toxaemia, Gestational diabetes, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.”

 Working while away?

The Insurer will provide cover for manual labour that is voluntary, for a registered charity and where you will not earn any money. In these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. You will not be covered when you are working more than two storeys above the ground, and cover for personal accident and personal liability is not included. If you injure yourself during voluntary work, the policy excess under Section 2 (Emergency Medical and other expenses) will be increased to £250.

Work, such as Bar Work, Fruit Picking and Administrative or Clerical Work is covered under activities, though some are * starred as excluding Personal Liability and Personal Accident.

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

Possessions, Proof of Ownership?

Proof of ownership is required for items that you are claiming for.  Proof of ownership and/or purchase consists of receipts for the items claimed or if receipts cannot be provided alternative forms of proof, such as bank statements, guarantees, instruction manuals, insurance valuation certificates or photographs will suffice.

We strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

Cyber Attack, Terrorism

You are not covered in respect of any claim that happens as a result of war risks, civil commotion and terrorism ? cover for these events is only provided under Section 2 ? Emergency medical and other expenses, Section 3 ? Hospital benefit and Section 4 ? Personal accident (unless caused by nuclear, chemical or biological attack) ? Please see paragraph 1. in the ‘General exclusions - applicable to all sections of the policy’ in the policy wording for full details

Natural Disaster/Catastrophe

Not Covered under this policy as standard, but available as an optional extra.

Residency/Doctor/NI?

This insurance is available to current United Kingdom, Channel Islands, European Union and BFPO residents who have been living in their country of residence for at least 6 months prior to the date of purchase, and registered with a doctor there.

How to Buy Travel Insurance from Citybond Travel Insurance

Click Here to get an online quotation from Citybond Travel Insurance

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