Disclaimer: This section covers important information in relation to cover, it is not intended to be an extensive list and you should always read the policy documents thoroughly before agreeing to the suitability of, or taking out any policy with a third-party Insurance Provider.
What is age/classification of Child?
Children are classed as under aged 17 and living at home.
At time of purchase:-
Aged 74 or under for Annual Multi Trip (Winter sports cover limited to ages under 64)
No Age Limit for Single Trip (Winter sports cover limited to ages under 79)
Maximum stay of 31 days on any one trip when purchasing an annual multi-trip policy. Up to 90 Days on a Single Trip.
If you pay the additional premium to include a cruise, the policy will be extended to cover you for 31 days cruising during the twelve month policy period.
No of persons covered, family/ group?
Group - up to 10 Travellers
Family - this is for two adults and their dependent children, where the children are aged 17 and under, living at home and in full-time education.
Single Parent Family - this is for one adult and their dependent children, where the children are aged 17 and under, living at home and in full-time education (we have grouped quotes with family)
Reciprocal Health Agreements?
EHIC Mandatory if travelling within the EU. You must also enrol with Medicare if travelling to Australia.
Sporting Activities, what’s included?
Check the policy schedule, page 27 lists Activities in Packs 1 ? 4. Over 70 activities are covered as standard in Activity Pack 1. Some are * to exclude cover for Personal Liability and Personal Accident. Additional Activity Packs can be purchased with the payment of an additional premium.
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 “You or your close relative or business associate being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction), alcohol (a blood alcohol level that exceeds 0.19% - approximately four pints or four 175ml glasses of wine) or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.”
Scheduled Airline Failure/End Supplier Failure cover?
Financial Failure is covered on all Single Trip and Annual Trip policies. No cover is provided on Longstay policies.
Medical Conditions, Exclusions, Vaccinations?
Quotes for people with medical conditions can be given online, you are asked to go through a set of questions in relation to your condition and quotes are provided at the end of this.
Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.
You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.
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 certain complications arise.
Please make sure you read the definition of complications of pregnancy and childbirth given under the Definitions.
Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance as regulations vary from one carrier/airline to another.
Working while away?
Listed under activities - Manual Labour is excluded. This is defined as where you undertake work involving the lifting or carrying of heavy items in excess of 25Kg, work at a higher level than two storeys or any form of work underground. This does not include bar work which is listed as an included activity.
If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.
Possessions, Proof of Ownership?
If claiming for your goods that were stolen or lost you should produce proof of purchase of the original goods (receipts, credit card or bank statements), as failure to do so may affect the assessment of the claim.
Longstay policies do not include cover for Jewellery & Watches, Single Trip and Annual Trip are covered.
It would be sensible to keep receipts of any new clothes/property purchased for your holiday. 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
Claims relating to cyber events are excluded. Claims directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military rising, insurrection, rebellion, revolution, military or usurped power, climatic conditions and acts of nature which first arise during the period of insurance and give rise to your pre-booked outward or return journey being delayed by more than 24 hours.
Not Covered under this policy
You and all other insured persons must be a resident * of the United Kingdom, Channel Islands or BFPO. * a resident is defined as being someone who has their main home in the United Kingdom, the Channel Islands or BFPO and has not spent more than six months abroad in the year before buying this policy