Schedule of Benefits

Standard | Backpacker | Winter Sports | Golf | Business | Wedding

 

Single Trip & Annual Policies - Schedule of Benefits
Section	Description	Standard Cover & Annual Multi Trip	Excess per Insured
A	Cancellation and Curtailment	Up to £5,000	£75 (£20 Loss of deposit)
B	Emergency Medical Expenses and other expenses Including emergency assistance Services	Up to £10,000,000	£75
C	Hospital Benefit	£15 per day up to £600	N/A
D	Personal Accident Loss of limbs or sight Permanent Total Disablement Death benefit Death benefit All benefits	Max Benefit £25,000 £25,000 (aged under 66) £25,000 (aged under 66) £5,000 (aged 18 to 65) £2,500 (under 18/over 65) £2,500 (aged 66 and over)	N/ A
E	Baggage, Baggage Delay and Passport Single Item Limit Valuables Limit in total Passport Up to Delayed Baggage	Up to £1,500 £250 £250 £250 Up to £150 (£50 per day)	£75   N/A
F	Personal Money and Documents Cash Limit Cash Limit (aged under18) Documents Limit	Up to £500 £300 £50 £300	£75
G	Personal Liability	Up to £2,000,000	£250
H	Delayed Departure	£20 per 12 hour period Up to £300	N/A
I	Holiday Abandonment	Up to £3,000	£75
J	Missed Departure	Up to £1,000	£75
K	Catastrophe Cover	Up to £1,000	£75
L	Mugging Benefit	£40 per day up to £400	N/A
M	Withdrawal of Services	£50 per day up to £500	N/A
N	Pet Care Cover	£20 per day up to £100	N/A
O	Dynamic Packaging Protection	Up to £2,000	£75
P	Overseas Legal Expenses and Assistance	Up to £25,000	£250

Backpacker Policies - Schedule of Benefits
Section	Description	Backpacker Cover Limit	Excess per Insured
A	Cancellation and Curtailment	Up to £2,000	£75 (£25 Loss of deposit)
B	Emergency Medical Expenses and other expenses Including emergency assistance Services	Up to £3,000,000	£125
C	Hospital Benefit	NO COVER	N/A
D	Personal Accident Loss of limbs or sight Permanent Total Disablement Death benefit Death benefit All benefits	Max Benefit £10,000 £10,000 (aged under 46) £10,000 (aged under 46) £5,000 (aged 18 to 45) £1,000 (aged under 18)	N/A
E	Baggage, Baggage Delay and Passport Single Item Limit Valuables Limit in total Passport Up to Delayed Baggage	Up to £1,000 £150 £150 Up to £100 NO COVER	£75   N/A
F	Personal Money and Documents Cash Limit Cash Limit (aged under18) Documents Limit	Up to £200 £200 £50	£75
G	Personal Liability	Up to £2,000,000	£250
H	Delayed Departure	NO COVER	N/A
I	Holiday Abandonment	Up to £2,000	£75
J	Missed Departure	Up to £800	£75
K	Catastrophe Cover	NO COVER	N/A
L	Mugging Benefit	NO COVER	N/A
M	Withdrawal of Services	NO COVER	N/A
N	Pet Care Cover	NO COVER	N/A
O	Dynamic Packaging Protection	NO COVER	N/A
P	Overseas Legal Expenses and Assistance	Up to £25,000	£250

Wintersports cover available. Choose our Winter Sports Policy.
Q1	Ski Equipment Owned Hired Single Item Limit	Up to £1,000 Up to £500 £250	£75
Q2	Ski Hire	£20 per day up to £200	N/A
Q3	Ski Pack	£50 per day up to £300	N/A
Q4	Piste Closure	£20 per day up to £300	N/A
Q5	Delay Due to Avalanche	Up to £300	£75

Business cover available. Call 0845 092 0599
R1	Business Equipment Single Item Limit Computer Equipment Single Item Limit Samples Limit Delayed Business Equipment Emergency Courier of Essential Business Equipment	Up to £2,000 £750 £1,500 £500 £100 per day up to £300 Up to £500	£75 N/A £75
R2	Business Equipment Hire	£150 per day up to £750	N/A
R3	Business Money Cash Limit	Up to £1,000 £500	£75

Golf cover available. Choose our Golf Policy.
S1	Golf Equipment	Up to £1,000	£75
S2	Golf Equipment Hire	£30 per day up to £300	N/A
S3	Non Refundable Golfing Fees	£75 per day up to £300	N/A

Wedding cover available. Call 0845 092 0599
T	Wedding Cover	Up to £1,000	£75

Back to top

Activities Covered

Grade 1 - No Additional Charge
Archery (amateur)
Badminton (amateur)
Baseball (amateur)
Basketball (amateur)
Beach games
Bungee jump (1)
Camel / Elephant Riding (incidental)
Canoeing (Up to Grade 3)
Clay pigeon shooting
Cricket (amateur)
Cycling (other than specified)
Dinghy sailing
Fell walking
Fencing
Fishing
Football (amateur)
GAA Football (amateur)
Golf (amateur)
Hiking (under 2,000 metres altitude)
Hockey (amateur)
Horse riding (up to 7 days)
Jet boating
Jet skiing
Jogging
Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair and nannies and occasional light manual work including retail work and fruit picking but excluding working at height, building/construction work, the use of power tools and machinery)
Marathon running (amateur)
Netball (amateur),
Non manual work (including professional administrative or clerical duties only)
Orienteering,
Outwardbound pursuits,
Paintballing
Parasailing (over land, non incidental)
Parascending (over water)
Pony trekking
Racquetball
Rambling
River canoeing up to Grade 3
Roller skating
Roller blading
Rounders
Rowing
Running-sprint/long distance (amateur)
Safari (Ireland/UK organised)
Sail boarding
Sailing within territorial waters
Scuba diving* up to 30 metres if qualified and not diving alone or accompanied by a qualified instructor and not diving alone (see notes below).
Skate boarding
Snorkelling
Squash (amateur)
Surfing (amateur, under 14 days)
Tennis (amateur)
Tour Operator Safari
Track Events
Trekking (under 2,000 metres altitude)
Volleyball (amateur)
War Games
Water Polo (amateur)
Water Skiing (amateur)
White Water rafting (Grade 1 to 3)
Windsurfing (amateur)
Yachting (racing/crewing inside territorial waters)
*Scuba diving - scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevent diving or training agency or organisation and not diving alone: PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres BSAC Ocean Diver - 20 metres BSAC Sports Diver - 30 metres BSAC Dive Leader - 30 metres We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 2 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0599 For Details
Boxing Training (no contact)
Bungee Jump (up to 3 additional)
Black Water Rafting (Grade 1 to 4) Life jacket and helmet must be worn
Camel/Elephant Riding / Trekking (non incidental)
Cycle Touring
Go Karting (specific use)
Horse Riding (no Polo, Hunting Jumping)
Hot Air Ballooning (non incidental)
Hurling (amateur)
Jet Skiing (non incidental)
Martial Arts (training only)
Mountain Biking
Parascending (over water, non incidental)
Rambling/Trekking between 2,001m and 4,000m
Safari (non-UK organised)
Scuba Diving* up to 50 metres if qualified and not diving alone or accompanied by a qualified instructor and not diving alone (see notes below)
Sea Canoeing
Sea Fishing (non incidental)
Surfing (amateur)
Tandem Skydive (up to 2 jumps maximum)
Triathlon
White Water Rafting - Grade 4,
Waterskiing/Windsurfing/Snorkelling (non incidental)
*Scuba diving - scuba diving to the following depths, provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organisation and not diving alone: PADI Open Water - 18 metres PADI Advanced Open Water - 30 metres* BSAC Ocean Diver - 20 metres BSAC Sports Diver - 35 metres* BSAC Dive Leader - 50 metres* We must agree with any equivalent qualification. If You do not hold a qualification, We will only cover You to dive to a depth of 18 metres. You will not be covered under this Policy if you travel by air within 24 hrs after participating in scuba diving.

 

Grade 3 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0599 For Details
Absailing
American Football (amateur)
Gliding
Kayaking
Paragliding
Rugby (amateur competition)
Sand Yachting
Yachting (racing / crewing) - outside territorial waters

 

Grade 4 - The Following Activities Can be Covered for an Additional Premium Call 0845 092 0599 For Details
Canyoning
Hang Gliding
High Diving under 5m (amateur, excluding cliff diving)
Horse Jumping (no Polo, Hunting)
Kite Surfing
Micro Lighting
Parasailing
Rock Climbing (under 2,000m)
Rock Scrambling (under 4,000m)

 

Back to top

Age Groups

Group:	Definition:
Adults	Any person aged 18 to 75
Children under 3	Any person aged 2 years or under travelling with a parent or guardian living at the same address
Children aged 3-17	Any person aged between 3 and 17 years travelling with a parent or guardian living at the same address
Couple (2 adults aged 18-65)	means the first named Insured Person and either their fiance(e), spouse/partner who is normally resident at the same address.
Family (2 adults aged 18-65)	means up to two adults and up to 5 of their children, step children or foster children aged under 18, accompanying the parents or legal guardian insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover either adult is also insured to travel on their own.
Family (1 adult aged 18-65)	means one adult and up to 5 of his/her children, step children or foster children aged under 18, accompanying the parent insured on the same policy travelling on any Trip to the same destination. Under annual multi trip cover the adult is also insured to travel on their own.

 

Maximum Age Limits
Single Trip - 75 years
Annual Multi Trip - 65 years
Backpacker - 45 years

 

Unaccompanied Children
If you wish to insure an unaccompanied child please call us on 0845 092 0599

Back to top

Are You Eligible to Buy This Policy?

This policy is only available to you if you are permanently resident in the United Kingdom and registered with a Medical Practitioner in the United Kingdom and have been for the past six months, prior to date of issue of your policy.

Back to top

Duration

Date:	Definition:
Departure Date	The date the trip commences
Return Date:	The date you return home from your trip
Policy Start Date:	This is the start date for an annual travel insurance policy
Duration:	This is the period that the insurance is operative

Back to top

Destinations

Area:	Definition:
UK & Ireland	The United Kingdom, Channel Islands, Isle of Man and the Republic of Ireland
Europe	The continent of Europe west of the Ural mountains, Madeira, Canary Islands, Iceland, The Azores, Mediterranean Islands and non-European countries bordering the Mediterranean (excluding Algeria, Israel, Lebanon and Libya)
Australia & New Zealand	Australia and New Zealand
Worldwide	Worldwide (including USA, Canada and the Caribbean)

Back to top

Medical Information

Important conditions relating to health

Medical Screening Telephone:
Medical Screening Lines Opening Hours:
8am to 9pm Monday to Friday,
10am to 5pm Saturday and Sunday (including all Public and Bank Holidays - excluding Christmas day)

If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.

1. It is a condition of this policy that You will not be covered under section A - Cancellation or curtailment charges, section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident for any claims arising directly or indirectly from:

a)At the time of taking out this policy:

i) Any Medical Condition You have, or have had, for which You and are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the last 2 years unless We have agreed, in writing, to cover You

ii) If You have only one Medical Condition and this is one of those shown in the table of NO SCREEN CONDITIONS* at the foot of this page then this will be covered under the policy without the need to contact Us. We cannot provide cover in respect of the following:

ii) Any Medical Condition for which You, a Close Relative or a Travelling Companion have received a terminal prognosis.

iii) Any Medical Condition for which You, a Close Relative or a Travelling Companion have not had a diagnosis.

iv) Any Medical Condition for which You, a Close Relative or a Traveling Companion are on a waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.

v) Any circumstances You are aware of that could reasonably be expected to give rise to a claim on this policy. Unless You have been given Our agreement.

b) You will not be covered for:

i) Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought his/her advice.

ii) Any Medical Condition for which You are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom or within the Channel Islands.

iii) Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.

iv) Pregnancy or childbirth where You are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.

* NO SCREEN CONDITIONS
(for which You do not have to contact Us if You only have one of these)

Acid reflux
Acne
Attention Deficit Hyperactivity Disorder
(ADHD)
Allergy
(requiring non prescriptive treatment only)
Broken bones
Cataracts
Colds or influenza
Dyspepsia
Eczema
Irritable Bowel Syndrome
Gout
Hayfever
Hypercholesterolaemia
(high cholesterol)
Hysterectomy
(provided carried out more than 6 months ago)
Menopause
Migraine
Psoriasis
Tonsilitis
Underactive thyroid
Varicose Veins

You should also refer to the general exclusions in the full policy wording.

 

Terrorism

A General Exclusion applies in respect of War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

This exclusion shall not apply to losses under Section B - Emergency medical and other expenses, Section C - Hospital benefit and Section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

Back to top