We strongly recommend that you and all members of your party be adequately insured as soon as you book your holiday. Indeed it is a condition of booking that you must have insurance cover at least equivalent to that described below. We have arranged a special scheme with Planet Earth Travel Insurance Services Ltd, underwritten by Europ Assistance Holdings Ltd. who are authorised and regulated by the Financial Services Authority, registered number 311883.
Below is a summary of cover and benefits available under the insurance. An insurance certificate containing a more detailed summary will be sent to you with your confirmation of booking. In any event you may ask for a specimen copy of the insurance wording should you wish to examine this in advance.
The insurance will be subject to English law unless otherwise agreed.
Premiums |
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1 day visit |
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Up to 4 days |
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Up to 7 days |
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* On date of policy issue.
Infants - under the age of 2 on date of policy issue – Free if accompanied by an Adult insured on the same policy.
Family definition – A maximum of 4 dependents under the age of 18 (on date of policy issue) travelling with their parents, step-parents, grandparents or legal guardians.
Single family definition – A maximum of 4 dependents under the age of 18 (on date of policy issue) travelling with their parent, step-parent, grandparent or legal guardian.
Maximum insurable age is 64 yrs at the date of the policy issue
Insurance cover is only available to persons who habitually reside in the UK /Eire and who have not spent more than 6 months abroad in the year prior to purchasing the policy.
Medical Emergencies A 24-hour emergency medical service is provided by Europ Assistance. Telephone 0870 737 5900.
Section 1 – |
Personal Assistance Services |
Up to £250 |
Section 2 – |
Medical Expenses |
Up to £5,000,000 |
Section 3 – |
Emergency Dental Treatment |
Up to £250 |
Section 4 – |
Additional Travelling costs |
Up to £1,000 |
Section 5 – |
Hospital Benefit |
Up to £250 |
Section 6 – |
Cancellation/Curtailment |
Up to £5,000 |
Section 7 – |
Travel Delay |
Up to £200 |
Section 8 – |
UK Departure Assistance |
Up to £500 |
Section 9 – |
Missed Departure |
Up to £1,000 |
Section 10 – |
Personal Baggage |
Up to £2,000 |
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Single article limit – |
£300 Adult & £75 Child |
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Total valuables Limited to – |
£300 Adult £150 Child |
Section 11 – |
Baggage Delay in excess of 12 hours |
Up to £100 |
Section 12 – |
Money & Passport
Cash |
Up to £400 in all
Total £200 |
Section 13 – |
Personal Liability |
Up to £2,000,000
(excludes mechanically operated vehicles such as snowmobliles) |
Section 14 – |
Personal Accident |
Up to £25,000
(excludes mechanically operated vehicles such as snowmobliles) |
Section 15 – |
Legal Protection |
Up to £25,000 |
Excesses
Sections 2, 3, 6, 10, 12 & 13 are subject to an excess of £75 per person per claim.
Please note : For claims under Section 2 (Medical Emergency & Repatriation or Section 3 Emergency Dental Treatment), no policy excess will apply when you receive inpatient treatment (where medically necessary) at a state hospital within the EU,EEA or Switzerland if you have used European Health Insurance Card to effectively reduce the cost of your treatment or medicines.
Claims
Should you need to make a claim, please contact the claims helpline 01444 442277 to obtain a claims form, giving your name and certificate number and brief details of the claim.
IMPORTANT NOTICE:
Your (travel) insurers, under the Association of British Insurers General Business Code of Practice, have to bring to your attention some of the important features of your insurance policy, including:
Health
You must contact the Medical Screening Helpline on 0870 737 5843 in the following circumstances:
This Travel Insurance operates on the basis that all persons named on the policy are healthy, fit to travel and to undertake the trip, and that they are not travelling against medical advice or with the intention of obtaining medical treatment abroad. Unless they declare otherwise to us, they will be held to warrant that the above is true both at the time of booking the trip and at the time they commence the trip.
No claim arising directly or indirectly from any pre-existing medical condition affecting any person travelling under this
insurance will be covered unless that condition is declared to the Medical Screening Department prior to the commencement of the trip and they accept it for insurance in writing.
For the purposes of this insurance a Pre-existing Medical Condition is considered to be:
• any past or current medical or psychological sickness, disease, condition, illness or injury that has given rise to symptoms or for
which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been
required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and
• any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has
occurred at any time prior to the commencement of cover under this policy and/or prior to any trip.
Policy Wording: this gives you full details of what is and is not covered and the conditions of cover. You must read the insurance policy carefully.
Conditions, Exclusions and Warranties: conditions and exclusions will apply to the individual sections of your policy while general exclusions; conditions and warranties will apply to the whole policy.
Property Claims: these claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. Your policy will set out what proof the insurer needs to support a claim.
Policy Limits: most sections of the policy have limits on the amount the insurers will pay under that section. Some sections also include other specific limits, for example, for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.
Policy Excesses: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of each claim. The amount you have to pay is the excess.
Reasonable Care: you need to take all reasonable care to protect yourself and your property, as you would if you were not insured.
Complaints: the insurance policy includes a Complaints Procedure, which tells you what steps you can take if you wish to make a complaint.
Fraud: it is a criminal offence to make a fraudulent claim.
Dangerous Sports or Pastimes: if you are going to take part in dangerous sports or pastimes where there is a risk of injury, check that your policy covers you.
Cooling Off Period: Your insurance certificate contains a ‘cooling off’ period of 14 days during which you can return the insurance document and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides on condition that you have not made the trip, submitted a claim, or know of any circumstances that may lead to a claim. The Insurance Policy is effected in England and is subject to the Laws of England & Wales.
PLEASE ENSURE YOU READ YOUR INSURANCE POLICY CAREFULLY.
FAILURE TO COMPLY WITH THE TERMS & CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.
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