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?
Persons who are dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.
At time of purchase:-
75 or under for Single Trip
65 or under for Annual Multi Trip
45 or under for Backpacker
Single Trip, Trip Duration up to 94 days. Annual Trip, Trip Duration is 31 days as standard, this can be increased to 45 days by selecting the Platinum Policy. Backpacker Trip Duration is up to 365 Days.
Winter Sports can be added for the entire duration of your single trip and for up to 24 days on your Annual Trip.
No of persons covered, family/ group?
Group up to 10 persons.
Family up to 2 adults and any number dependents who are under the age of 18, living at home with you and in full time education. In this scenario a dependent is considered as children, grandchildren, step-children, adopted children or foster children.
Reciprocal Health Agreements
EHIC not Mandatory but strongly advised if travelling to the EU. If you are travelling to Australia you must register with Medicare on arrival.
Sporting Activities, what’s included?
Check the policy schedule, activities listed in Activity Pack A are included as standard. Activity Packs B and C are chargeable and you should check to ensure the activities you plan are included. Some activities are * starred and exclude Personal Liability or Personal Accident.
Alcohol Exclusion, Terms?
Policy states “You, your travelling companion, 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); 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?
Covered under all 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?
Policy states “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 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?
Listed under activities - Manual Labour is excluded except for those listed in Activity Pack B, Farm Work, which is included with the payment of an additional premium. 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?
Proof of value and ownership of property and money is required for any item with a value exceeding £50. This should be in the form of an original receipt. Lack of this may mean you are still eligible to claim but will be subject to a maximum of £50 and will be considered part of “unreceipted items” in respect of the claim and included in the maximum offered by that policy.
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. Terrorism is also excluded in respect of all sections other than emergency medical expenses, war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
This can be added to your policy with the payment of an additional premium
You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas. You must not have spent more than 6 months abroad in the last 12 months.