Globelink Travel Insurance Policy Single and Annual Multi Trip Cover
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Globelink Travel Insurance Policy
Single and Annual Multi Trip Cover
Welcome
Thank you for choosing us for your insurance. This to tell us about once the insurance has started. Please note
document sets out what is and what is not covered. important contact details you may need in Part 1 ‘Important
Information’ and Part 3 ‘Making a Claim’.
Certain words shown in bold throughout this document and This document gives details of many sections of cover.
in the Validation Certificate have specific meanings and Some sections of cover only apply if you have chosen a
these are explained in the General Definitions Section. certain level of cover or type of policy, and/or you have paid
an additional premium. The sections of cover which you
This travel insurance has been arranged by Globelink have chosen, and the level of benefit which will be payable
(Cyprus) Insurance Agency & Sub-agency Limited in the event of a valid claim under each section of cover, are
(“Globelink International”). Please contact Globelink shown in the Validation Certificate.
International if you need any documents to be made
available in braille and/or large print and/or in Audio format. To request any extension of the period of insurance after
the commencement of travel you must contact Globelink
The insurer for all sections of this insurance with the International on +357 240 30337 and advise of any
exception of Section S1 – End Supplier Failure Insurance is circumstances which at the time of your request could
Collinson Insurance Europe Limited. Collinson Insurance reasonably be expected to cause a claim under this
Europe Limited (CIEL). CIEL is incorporated in Malta and is insurance. We do not guarantee that any extension of cover
authorised by the Malta Financial Services Authority to carry will be provided.
on business of insurance under the Insurance Business Act,
1998. Company Number: - C89977. Registered address: This insurance is only available to persons who are
Collinson Insurance Europe Limited, Third floor, currently legally resident in the European Union or
Development House, St Anne Street, Floriana, FRN 9010, European Economic Area (EEA) and registered with a
Malta. medical practitioner or entitled to free public healthcare
under reciprocal arrangements currently in place in the
Section S1 – End Supplier Failure Insurance is provided by European Union or EEA.
International Passenger Protection Limited, IPP House, 22- If you are aged under 16 you are only insured when
26 Station Road, West Wickham, Kent BR4 0PR, United travelling with one or both of the insured adults (or
Kingdom and is underwritten by Liberty Mutual Insurance accompanied by another responsible adult).
Europe SE if you are based inside the EEA, or Liberty We will not provide any cover if any person wanting to be
Managing Agency Limited if you are based in Switzerland. insured does not meet the above requirements.
For all sections of this insurance, with the exception of
Section S1 – End Supplier Failure Insurance, Claims and You must observe travel advice provided by an EEA
Assistance services are administered by Collinson Insurance recognised Government body. No cover is provided under
Solutions Europe Limited. Collinson Insurance Solutions any section of this insurance in respect of travel to a
Europe Limited is incorporated in Malta C89980. It is destination to which an EEA recognised Government body
authorised and regulated by the Malta Financial Services has advised against all or all but essential travel at the time
Authority to act as an Insurance Agent in terms of the of booking or travel.
Insurance Distribution Act (CAP 487). Registered address:
Third floor, Development House, St Anne Street, Floriana,
FRN 9010, Malta. Section S1 – End Supplier Failure All insurance documents and all communications from us
Insurance claims are handled by International Passenger about this insurance will be in English.
Protection Limited.
Please check that the cover explained in this document, and The Contract of Insurance
in the Validation Certificate meets your needs and that you
This document, together with the Validation Certificate
understand it. If you have any questions about your
make up the contract between the policyholder and us. The
insurance, please contact Globelink International at
contract does not give, or intend to give, rights to anyone
globelink@globelink.eu or call +357 240 30337.
else. No-one else has the right to enforce any part of this
contract.
Subject to the policy terms and conditions, this insurance
lasts for either the duration of a single trip or for a year if you The insurance provided by this document covers liability,
have chosen annual multi trip cover. Your period of loss, damage, death or disability that happens during any
insurance is shown on the Validation Certificate. period of insurance for which the policyholder has paid, or
agreed to pay, the premium. This insurance is provided under
Please take time to read Part 1 “Important Information” in this the terms and conditions contained in this document or in any
document. It tells you about things you need to check, amendment made to it.
actions which you need to take, and things which you need
EU V1 COLLINSON – COVID 01/01/2021 1PART 1 - IMPORTANT INFORMATION No Screen Conditions
The Intermediary who arranged this insurance is: You will be covered for any pre-existing medical
Globelink (Cyprus) Insurance Agency & Sub-agency conditions that you have, if they are included in this list and
Limited (Globelink International). if the words in brackets apply to you. The condition must have
140 Franklin Roosevelt Avenue, 3011 Limassol, Cyprus. been stable and well controlled for the last 12 months on
Tel: +357 240 30337 / Email: globelink@globelink.eu medication administered by a medical practitioner and you
must not have required a hospital admission or referral to a
This is not a private medical insurance. If you need any specialist because of a worsening of your condition.
emergency medical treatment or emergency travel
assistance whilst abroad, please contact us. Not • Acne
contacting us, or not following our instructions, could • ADHD - Attention Deficit Hyperactivity Disorder
affect your claim. Full details are shown under the • Any disabilities impairing mobility, vision or mental health
providing you are accompanied by an appropriate carer for
Making a Claim Section.
when any assistance is required
• Arthritis - Juvenile, Osteoarthritis, Rheumatoid or Psoriatic
Arthritis, Reiter’s Syndrome, Rheumatism.
There are conditions which apply to the whole of this (There must have been no hospital admissions within the last
insurance and full details of these can be found under the 12 months.
General Conditions and Exclusions Section. There are also The arthritis must not affect the back more than any other area
conditions which relate specifically to making a claim, and of the body. You must not be taking more than 2 medications.
these can be found under the Making a Claim Section. You must not require any mobility aids, other than a walking
In the above Sections you will find conditions that you need stick.
There must have been no dislocations or any joint
to meet. If you do not meet these conditions, we may need
replacements.
to reject a claim payment or a claim payment could be You must not be awaiting surgery. You must have no lung
reduced. In some circumstances the policy may be cancelled. problems/respiratory disorders.)
• Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food
Declaration of Medical Conditions and Health Intolerance & Hay Fever)
Changes • Asthma (providing it was diagnosed before age 50, and you
are taking/using no more than 2 medications/inhalers and
This travel insurance policy contains conditions and have not been admitted to hospital in the last year)
exclusions in relation to your health and of others who might • Bell’s Palsy
not be travelling with you but whose well-being your trip may • Benign Positional Vertigo
depend upon. • Bladder Infection
• Breast Cancer/Prostate Cancer (provided you:
You must comply with the following conditions relating to pre- - were diagnosed more than 12 months ago
existing medical conditions and health changes in order to - have not had any chemotherapy or radiotherapy in the last 12
have the full protection of this insurance. If you do not comply months and the cancer has not spread outside the breast or
prostate at any time
with these conditions, we may cancel the insurance, or refuse
- in the case of cancer of the prostate you must have a PSA of
to deal with your claim or reduce the amount of any claim 3.0 or less)
payment. • Bunions
• Carpal Tunnel Syndrome
Pre-existing medical conditions • Cataracts
• Coeliac Disease
It is a condition of this insurance that you will not be covered • Congenital Blindness
under Section A – Cancellation or curtailment charges,
• Corneal Graft
Section B – Medical, repatriation and other expenses, or
• Cystitis (provided no ongoing treatment)
Section C - Personal accident of this policy for any claims
• Deafness
arising directly or indirectly from any pre-existing medical
• Diabetes (providing there have been no complications such as
condition that you have unless the pre-existing medical impaired kidney function, heart disease, peripheral vascular
conditions that you have are included in the list of “No disease, leg or foot ulcers, retinal damage, nerve damage, leg
Screen Conditions” shown in this policy and the words in or foot amputation, liver damage)
brackets apply to you. • Dry Eye Syndrome
• Deep Vein Thrombosis (DVT) – Diagnosed more than 12
In relation to this policy, a pre-existing medical condition months ago and currently stable and well controlled on anti-
is: coagulant (blood thinning) medication (such as Warfarin) taken
a) any respiratory condition (relating to the lungs or purely as a DVT preventative and not related to any heart
related condition. If you are being treated as a result of a
breathing), heart condition, stroke, Crohn’s disease, pulmonary embolism or have been prescribed anti-coagulants
epilepsy or cancer for which you have ever received as a result of being at high risk of blood clots due to an
treatment (including surgery, tests or investigations by abnormal heartbeat (atrial fibrillation) or because of a
a medical practitioner and prescribed drugs or mechanical heart valve or similar cardiac device or having a
medication); blood clotting disorder (such as thrombophilia) or as a result of
b) any disease, illness or injury for which you have a recent operation then there is no cover under this policy.
received surgery, in-patient treatment or investigations • Eczema
in a hospital or clinic within the last twelve months; • Enlarged Prostate (benign only)
• Essential Tremor
c) any disease, illness or injury for which you are taking
• Folate Deficiency
prescribed drugs or medication;
• Fungal Nail Infection
d) any disease, illness or injury for which you have • Gallbladder Removal (no complications)
received a terminal prognosis; • Gastric Reflux
e) any disease, illness or injury you are aware of but for • Glaucoma
which you have not had a diagnosis; • Goitre
f) any disease, illness or injury for which you are on a • Gout
waiting list or have knowledge of the need for surgery, • Hay Fever
treatment or investigation at a hospital, clinic or nursing • Hiatus Hernia
home. • High Cholesterol
2• Hormone Replacement Therapy - HRT If a claim is paid, your policy will terminate, and no further
• Hypertension - High Blood Pressure cover will be provided. Globelink International can be
• Hypotension - Low Blood Pressure contacted at globelink@globelink.eu or by calling +357 240
(Must not be associated with any underlying condition) 30337.
• Impetigo
• Insulin Resistance If you decide not to cancel your trip, cover under all sections
• Macular Degeneration of this policy will be provided under the standard terms and
• Meniere’s Disease conditions as contained in this document. In relation to
• Migraine pregnancy, this means there is no cover under this policy in
• Osteoporosis - Osteopenia, Fragile Bones relation to pregnancy and/or childbirth unless during a trip:
(There must have been no broken bones within the last 5 years) a) you suffer a bodily injury; or
• Pernicious Anaemia b) you contract an illness or disease; or
• Raynaud Disease c) complications of any kind with the pregnancy occur.
• RSI (Repetitive Strain Injury/Tendinitis)
• Sinusitis Cover for the above events will continue until the end of the
• Tendonitis 25th week of pregnancy with the exception that if you are
• Tinnitus pregnant following a course of in vitro fertilisation (IVF) or are
• Tonsillitis pregnant with twins or other multiple birth, cover for the above
• Underactive or Overactive Thyroid events will continue until the end of the 23rd week of
pregnancy.
Health Changes The policy will not cover any costs relating to pregnancy or
If your health changes after the start date of this insurance childbirth beyond the above dates even if you are already
and the date your travel tickets or confirmation of booking travelling and are more than 25 weeks pregnant (more than
were issued, you must contact Globelink International (see 23 weeks if you have had a course of in vitro fertilisation (IVF)
details below) to make sure cover is not affected. or are pregnant with twins or other multiple birth) and have
approval to travel from a medical practitioner.
Changes to your health which we need to know about are:
• details of any new medical conditions you have been Important information you have given us
diagnosed with; or
• changes in diagnosis of any existing medical In deciding to accept this insurance and in setting the terms
condition; or and premium, we have relied on the information you have
• changes in the treatment (including changes in given Globelink International. You must take reasonable
medication) you are receiving for any existing medical care to provide complete and accurate answers to the
condition. questions asked when the policy is taken out, changed or
renewed (if applicable). If the information provided by you is
Globelink International: globelink@globelink.eu not complete and accurate:
+357 240 30337 • we may cancel the policy and refuse to pay any claim, or;
Office Hrs: 9am-5pm Mon to Fri (excl. public holidays) • we may not pay any claim in full, or;
• we may revise the premium and/or change any excess;
Exclusions Relating to Health and Medical Conditions or;
• the extent of the cover may be affected.
There is no cover under Section A – Cancellation or
curtailment charges, Section B – Medical, repatriation and We will write to the policyholder if we:
other expenses, or Section C - Personal accident of this • intend to cancel the policy; or
policy for any claims arising directly or indirectly from: • need to amend the terms of the policy; or require the
policyholder to pay more for this insurance.
a) Any medical condition you have with which a medical
practitioner has advised you not to travel (or would
have done so had you sought his/her advice), but If you become aware that information you have given is
despite this you still travel; incomplete or inaccurate, you must inform Globelink
b) Any surgery, treatment or investigations for which you International as soon as possible. Contact details are
intend to travel outside of your home area to receive given on page 2 of this document.
(including any expenses incurred due to the discovery
of other medical conditions during and/or
complications arising from these procedures); PART 2 GENERAL CONDITIONS AND
c) Any medical condition for which you are not taking the
recommended treatment or prescribed medication as EXCLUSIONS
directed by a medical practitioner; General Conditions
d) You travelling against any health requirements
stipulated by: The following conditions apply to the whole of this
- the airline with which you are travelling, by the insurance.
airline’s booking company, or by anyone else who
provides services on behalf of the airline at the 1. Other Insurance
airport, or If, at the time of a valid claim under this policy there is
- any other public transport provider. another insurance policy in force which covers you for
the same loss or expense (for example a Home
Pregnancy Contents Policy), we may seek a recovery of some or
all of our costs from the other insurer. You must give
If you become pregnant, as confirmed by a medical us any help or information we may need to assist us
practitioner, and your dates of travel fall within the 15 week with our loss recoveries.
period prior to the due date, then if you decide to cancel your
trip and provided you contact Globelink International within 2. Precautions
14 days of the confirmation of your pregnancy, we will At all times you must take precautions to avoid injury,
provide cover for the trip cancellation under the terms and illness, disease, loss, theft or damage and take steps to
conditions of Section A - Cancellation or curtailment charges.
3safeguard your property from loss or damage and to 9. Travelling against World Health Organisation (WHO)
recover property lost or stolen. WHO advice or against the advice of a European Union
recognised Government body:
General Exclusions Your travel to a country, specific area or event when the
World Health Organisation (WHO) or regulatory or local
The following exclusions apply to the whole of this government authority in a country to/from which you are
insurance. travelling has advised against all, or all but essential,
travel at the time of booking, or travel.
We will not pay for claims arising directly or indirectly from:
10. Family and single parent cover travel restrictions:
1. Coronavirus (COVID-19): If you are aged under 16 you are only insured when
This policy does not cover any claim arising directly, or travelling with one or both of the insured adults (or
indirectly, from any coronavirus disease (including but accompanied by another responsible adult). If you
not limited to COVID-19) or any related or mutated form reach the age mentioned above during the period of
of the virus. This includes the fear or threat of catching insurance, cover will continue until the next renewal
coronavirus, and the advice or action of any government date but not after that.
not to travel or preventing travel.
11. War or acts of terrorism:
This exclusion does not apply to losses under Section However, this exclusion shall not apply to losses:
A – Cancellation or Curtailment charges, Events 1, 6
(a) under Section B – Medical, repatriation and other
and 7, Section B – Medical, repatriation and other
expenses, Section B1 – Hospital confinement benefit
expenses, Section B1 – Hospital confinement benefit
and Section C –Personal accident, unless such losses
and Section D1 – Missed Departure, Events 5 and 6.
are caused by nuclear, chemical or biological attack,
your participation in active war, or the disturbances
2. Participation in winter sports:
were already taking place at the beginning of any trip;
Your participation in winter sports unless the
appropriate winter sports premium has been paid
(b) under Section S2 –Travel Disruption (Force
where required, then cover will apply for:
Majeure) if you purchased this insurance before the
date the force majeure happened or commenced.
a) the winter sports specified in Appendix B and
b) a period of no more than 17 days in total in each 12. You engaging in active war.
period of insurance under annual multi trip policies
and for the period of the trip under single trip 13. Nuclear risks.
policies.
14. Sonic bangs:
3. Professional sports or entertaining: Loss, destruction or damage directly caused by
Your participation in or practice of any professional pressure waves caused by aircraft and other aerial
sports or professional entertaining. devices travelling at sonic or supersonic speeds.
4. Other sports or activities: 15. Redundancy:
Your participation in or practice of any other sport or We will not pay a claim under Section A – Cancellation or
activity, manual work, driving any motorised vehicle in Curtailment charges, if you, either at the time a holiday was
motor rallies or competitions or racing unless: booked, or at the time the policy was purchased, were under
notice of redundancy from an employer.
a) specified in the lists under Appendix A of this policy
or PART 3 – MAKING A CLAIM
b) shown as covered in the Validation Certificate when
the additional premium is paid to extend policy cover for For all sections of this insurance, with the exception of
specified activities. Section S1 – End Supplier Failure Insurance, Claims and
Assistance services are administered by Collinson
5. Suicide, drug use, alcohol or solvent abuse and you Insurance Solution Europe Limited (CISEL), who is
putting yourself at risk: appointed by Collinson Insurance Europe for this
Your wilfully, self-inflicted injury or illness, suicide or purpose. Collinson Insurance Solutions Europe Limited
attempted suicide, sexually transmitted diseases, is incorporated in Malta. It is authorised and regulated
solvent abuse, alcohol abuse, drug use (other than by the Malta Financial Services Authority to act as an
drugs taken in accordance with treatment prescribed Insurance Agent in terms of the Insurance Distribution
and directed by a medical practitioner, but not for the Act (CAP 487). Section S1 – End Supplier Failure
treatment of drug addiction), and you putting yourself Insurance claims are handled by International Passenger
at risk (except in an attempt to save human life). Protection Limited. Please see Section S1 for details on
how to make a claim under this section.
6. Unlawful action:
Your own unlawful action in the country in which the What to do in a Medical or other Emergency Abroad
trip is taking place or any criminal proceedings against
you. For medical emergencies, please contact us on:
7. Any other loss, damage or additional expense following E-mail medicalops@collinsongroup.com
on from the event for which you are claiming, unless we
provide cover under this insurance. Telephone
English language: +44 (0)333 333 6284
8. Armed Forces: German language: +44 (0)333 333 7385
Operational duties of a member of the Armed Forces Spanish language: +44 (0)333 333 7876
(other than claims arising from authorised leave being French language: +44 (0)333 333 6389
cancelled due to operational reasons, as provided for Italian language: +44 (0)333 333 6537
under sub section 4.“Specified Events” of Section A – All other EU languages: +44 (0)333 333 9301
Cancellation or curtailment charges).
4Emergency Assistance lines are open 24 hours a day.
E-mail clmsEN@collinsoninsurance.com
For out-patient treatment costing less than £200, it is
recommended that you pay the hospital/clinic yourself and Telephone
claim back medical expenses from us on your return to your English language: +44 (0)333 333 6400
home area. German language: +44 (0)333 333 9149
Spanish language: +44 (0)333 333 9588
You must contact us as soon as possible in the case of a French language: +44 (0)333 333 6737
serious medical emergency abroad where you will or may Italian language: +44 (0)333 3337 082
need to stay in hospital, have hospital treatment or other All other EU languages: +44 (0)333 333 9620
emergencies, for example the need to change travel
arrangements and return home because a close relative Opening hours: Monday – Friday, 9am – 5pm
has become seriously ill.
Providing information to support your claim
When calling us for help, please provide the following You will need to provide certain information to enable a claim
information: to be fully assessed. This information will vary depending on
• The policy number (shown on the Validation which section of cover you are claiming under. Examples of
Certificate) and the policyholder’s name. the types of information we will need are given below, but
• Your name and the address you are staying at. there may be other evidence required from you.
• The phone number you are calling from.
• The nature of the emergency. Further details are given within each section of cover listed in
• The name and phone number of the doctor and hospital Part 4 of this policy, and our claims handlers will tell you
treating you (if appropriate). exactly what information you need to give them in relation to
your own claim.
Not contacting us, or not following our instructions, could
affect your claim. We must agree, beforehand, any Unless we agree to pay for any information, for example
emergency travel expenses involving air travel. If it is not a medical examination (which you must agree to undergo
possible for you to make contact with us before hospital if required), the information will need to be provided at
admission or before medical expenses are incurred your own expense.
because emergency treatment is required, contact must be
made as soon as possible. Medical A medical certificate from the treating
Certificates medical practitioner or a consultant
Private medical treatment is not covered in countries where specialising in a relevant field explaining
reciprocal health agreements entitle you to benefit from why you required medical attention, were
public health care arrangements unless authorised unable to travel, forced to cancel, extend,
specifically by us. We have the medical expertise, contacts cut short or forfeit any pre-arranged plans
and facilities to help should you be injured in an accident or or paid for activities, or rearrange any travel
fall ill. We will also arrange transport home when this is plans.
considered to be medically necessary or when you are told Police (or other A report from the local police or other
about the illness or death of a close relative or a close Authority) relevant authority in the country where the
business associate at home. Reports incident occurred confirming dates,
circumstances and further details of the
If you are travelling to the United States of America, you or loss, theft, attempted theft, mugging,
someone acting on your behalf must contact us as soon as damage, quarantine, lawful or unlawful
you are aware you require medical treatment. For all other detention.
countries of travel, you or someone acting on your behalf
must contact us once you are aware you will be admitted as Travel Tickets All travel tickets (including any unused
an inpatient for at least one night’s stay. If you do not contact & Baggage travel tickets) and baggage tags.
us as soon as you are aware of your admittance and this Tags
failure causes our costs to increase, We will only pay for the Receipts, Bills, An original receipt, valuation or proof of
costs we would have paid if you had contacted us straight Valuations & ownership for items, currency or
away. No transportation or accommodation costs are Proof of documents of any kind lost, stolen,
covered unless they are pre-authorised by us. Ownership damaged, repaired, replaced, purchased or
hired as emergency temporary
Payment for medical treatment abroad replacements.
If you are admitted to a hospital/clinic while abroad, we will
arrange for medical expenses covered by the insurance to be Receipts or bills for any costs incurred for
paid direct to the hospital/clinic. To take advantage of this in-patient/out-patient treatment, telephone
benefit: calls, emergency dental treatment,
transport, accommodation, hospital or
• Someone must contact us for you as soon as possible; medical costs and any other charges or
• Beware of requests for you to sign for excessive expenses which are to be considered as
treatment or charges. If you are in doubt, you should part of a claim.
call us for guidance and authorisation of costs.
Confirmation Confirmation of the loss, delay, failure,
Reporting all other claims Letters, cancellation or circumstance leading to the
You must report any claim as soon as possible, preferably Reports, claim in the form of a letter, invoice, report
within 31 days of any incident which may lead to a claim Invoices & or notice of cancellation from (as
under this insurance. Also, you must contact us as soon as Notices appropriate) your tour operator or their
you find out about any condition or circumstances which may representative, airline, baggage handler,
cause a trip to be cancelled or cut short. If you need to make service provider, retailer, hotel or
a claim, please contact us: accommodation provider, emergency
service, commanding officer, event
organiser, public transport provider or
relevant authority.
5Death For any claim involving your death or the
Certificates death of any related party the original death If your insurance is terminated from the time of the
certificate will be required. fraudulent act, we will not pay any claim for any incident
which happens after that time and may not return any of
the insurance premium(s) already paid.
Getting Medical Treatment Abroad
The European Health Insurance Card (EHIC) is no substitute PART 4 – THE COVER
for travel insurance as you will not necessarily be covered for
all medical costs or for any emergency flights home. Private This document gives details of many sections of cover. Some
treatment is also not covered. sections of cover only apply if you have chosen a certain
level of cover or type of policy, and/or paid an additional
However, a European Health Insurance Card (EHIC) is free premium. The sections of cover which you have chosen, and
and enables access to free or discounted medical care in the level of benefit which will be payable in the event of a valid
selected European Countries. The EHIC entitles you to the claim under each section of cover, are shown in the
same state-provided healthcare that is generally offered to Validation Certificate.
the local residents of the country you are visiting.
Claims Conditions Policy Excesses
Please note that under most sections of this insurance,
1. Claims procedure and notification: claims will be subject to an excess. This means that you will
You must notify claims using the procedures and be responsible for the first part of each and every claim per
contact options detailed in this Making a Claim Section. incident claimed for, under each section by each insured
person, unless an additional premium has been paid so that
The claim notification must be made as soon as an excess is not payable (as confirmed on the Validation
possible and preferably within 31 days following any Certificate).
bodily injury, illness, disease, incident, event, If family cover or single parent cover applies, then we will
redundancy or the discovery of any loss, theft or not apply more than two excess charges to any incident
damage which may lead to a claim under this insurance. claimed for.
You must also tell us if you are aware of any writ,
summons or impending prosecution. Every Section A – CANCELLATION OR
communication relating to a claim must be sent to our CURTAILMENT CHARGES
claims handlers as soon as possible. You, or anyone What is Covered
acting on your behalf, must not negotiate, admit or We will pay you up to the amount shown in the Validation
repudiate (refuse) any claim without our claims Certificate Schedule of Cover for any irrecoverable unused
handlers’ permission in writing. travel and accommodation costs, pre-booked excursion
costs, and other pre-paid charges which you have paid or are
2. Claims evidence contracted to pay, together with any additional travel
We will require, at your own expense, all evidence expenses incurred if cancellation of the trip is unavoidable or
needed to fully assess your claim. You must have any the trip is curtailed before completion as a result of any of
medical examinations we decide are necessary. We will the following specified events:
pay for these. We may request and will pay for a
postmortem examination if required in the event of Specified Events
accidental death. 1. The death, bodily injury, illness, disease, or
complications arising as a direct result of pregnancy of:
3. Property a) yourself
You must retain any property which is damaged, and if b) any person who you are travelling or have
requested, send it to us at your own expense. If we pay arranged to travel with
a claim for the full value of the property and it is then c) any person who you have arranged to
recovered it will then become our property. We may stay with
refuse to reimburse you for any property for which you
d) your close relative
cannot provide proof of ownership such as an original
e) your close business associate.
receipt, a valuation, user manual or bank or credit card
2. You or any person who you are travelling with, or have
statements.
arranged to travel with, are called as a witness at a
Court of Law or called for jury service attendance.
4. Transferring of rights
3. Your redundancy or the redundancy of any person who
We are entitled to take over any rights in the defence or
you are travelling with or have arranged to travel with.
settlement of any claim and to take proceedings in your
The redundancy must qualify for payment under current
name for our benefit against any other party.
redundancy payment legislation in your home country,
and at the time of booking the trip there must have been
5. Fraudulent claims or misleading information
no reason to believe anyone would be made redundant.
We take a robust approach to fraud prevention in order
4. You, or any person who you are travelling or have
to keep premium rates down so that you do not have to
arranged to travel with, are a member of the Armed
pay for other people’s dishonesty. If any claim made by
Forces, Territorial Army, Police, Fire, Nursing or
you, or anyone acting on your behalf is fraudulent,
Ambulance Services or an employee of a Government
deliberately exaggerated, or is intended to mislead, we
Department and have authorised leave cancelled or are
may:
called up for operational reasons, provided that the
• not pay that claim; and
cancellation or curtailment could not reasonably have
• recover (from the insured person involved in the been expected at the time when the policyholder
claim) any payments made in respect of that claim; purchased this insurance or at the time of booking any
and trip.
• terminate your insurance from the time of the 5. The police or other authorities requesting you to stay at
fraudulent act; and or return to your home due to serious damage to your
• inform the police of the act. home caused by fire, aircraft, explosion, storm, flood,
6subsidence, fallen trees, collision by road vehicles, unless specific evidence of the monetary value of the
malicious people or theft. accommodation costs can be provided.
6. You are placed in compulsory quarantine whilst on 5. Annual maintenance fees/charges for time share
your trip for a minimum of 24 hours by instruction of a holidays or properties.
medical practitioner. There is no cover if this 6. Any claim relating to you not wanting to travel or to
instruction has been imposed on a community, continue with your trip.
geographic location or vessel by any government or 7. Any claim resulting from your inability to travel due to
public authority. your failure to hold, obtain or produce a valid passport
7. If at your departure point from your home area, you or any required visa in time for your trip.
are tested and receive a positive result for coronavirus 8. Any claim in respect of unused pre-paid return journey
(COVID-19), following which you are not permitted to costs, such as flight, ferry, train or other travel costs
continue your trip. when we have paid to repatriate you.
9. Any claims related directly or indirectly to coronavirus
If your claim relates to illness due to coronavirus (COVID-19) apart from "What is Covered" Events 1, 6
(COVID-19); for your cancellation claim to be valid, we and 7.
require evidence in writing that you, or the person 10. If you purchase this policy or book a trip after receiving
causing you to cancel the trip, received a positive test a positive coronavirus (COVID-19) test result or while
result within 14 days before the start date of your trip. waiting for a coronavirus (COVID-19) test result and
For curtailment claims, we require evidence in writing your trip starts within 14 days.
that you, or the person causing you to curtail the trip, 11. Claims due to coronavirus (COVID-19) arising from you
received a positive test result and that it is necessary for following advice from a government to self-isolate. This
you to curtail your trip. includes, but is not limited to, you receiving a letter
advising self-isolation for you or a family member, or
Special Conditions Relating to Claims you are contacted by a track and trace service.
1. You must get (at your own expense) a medical 12. The cost of any medical tests.
certificate from a medical practitioner and our prior 13. Claims where the same event is paid under Section D1
approval to confirm the necessity to return home, prior – Missed Departure.
to curtailment of the trip due to death, bodily injury,
illness, disease or complications arising as a direct You should also refer to “Declaration of Medical Conditions
result of pregnancy. and Health Changes” and “Exclusions relating to Health and
2. If you fail to notify the travel agent, tour operator or Medical Conditions” on pages 2-3 of this policy.
provider of transport or accommodation as soon as you
find out it is necessary to cancel the trip, the amount we Section B – MEDICAL, REPATRIATION
will pay will be limited to the cancellation charges that
would have been payable had such notification taken AND OTHER EXPENSES
place. What is Covered
3. If you cancel the trip due to: We will pay you up to the amount shown in the Validation
a) stress, anxiety, depression or any other mental or Certificate Schedule of Cover for the following expenses
nervous disorder that you are suffering from you which are necessarily incurred during your trip as a result of
must provide (at your own expense) a medical you suffering unforeseen bodily injury, illness, disease
certificate from a consultant specialising in the and/or compulsory quarantine:
relevant field or
1. Emergency medical, surgical, hospital, ambulance and
b) any other bodily injury, illness, disease or nursing fees and charges incurred outside of your
complications arising as a direct result of
home area.
pregnancy, you must provide (at your own
2. Emergency dental treatment for the immediate relief of
expense) a medical certificate from a medical
pain (to natural teeth only) up to a limit of £200 incurred
practitioner stating that this necessarily and
outside of your home area.
reasonably prevented you from travelling.
3. Costs of telephone calls:
a) to us notifying and dealing with the problem for
What is Not Covered
which you are able to provide receipts or other
evidence to show the cost of the calls and the
The General Exclusions on page 4 and the exclusions
numbers you telephoned
below both apply to Section A – Cancellation or
b) incurred by you when you receive calls on your
Curtailment Charges
mobile phone from us for which you are able to
provide receipts or other evidence to show the cost
1. The excess shown in the Validation Certificate
of the calls.
Schedule of Cover.
2. Any claims arising directly or indirectly from:
4. The cost of taxi fares for your travel to or from hospital
a) Redundancy caused by or resulting from
relating to your admission, discharge or attendance for
misconduct leading to dismissal or resignation or
outpatient treatment or appointments or for collection of
voluntary redundancy, or where you received a
medication prescribed for you by the hospital.
warning or notification of redundancy before this
insurance was purchased or at the time of booking
5. If you die:
any trip
a) outside your home area, either:
b) Circumstances known to you before this insurance
was purchased, or at the time of booking any trip,
(i) the additional cost of funeral expenses abroad
which could reasonably have been expected to lead
up to a maximum of £2,500 plus the cost of
to cancellation or curtailment of the trip.
returning your ashes to your home or home
3. Travel tickets paid for using any airline mileage or
country, or
supermarket reward scheme, for example Air Miles,
unless specific evidence of the monetary value of the
(ii) the costs of returning your body to your home or
tickets can be provided.
home country subject to repatriation being
4. Accommodation costs paid for using any Timeshare,
authorised by us:
Holiday Property Bond or other holiday points scheme
- the cost of funeral director charges for preparing,
co-ordinating and transporting your body to an
7airport; d) Expenses incurred in obtaining or replacing
- the cost of any casket/coffin required for medication, which you know you will need at the time
transportation of your body; of departure or which will have to be continued outside
- any fees/costs charged by the airline who take of your home area.
your body as cargo; e) Additional costs arising from single or private room
- transport of your body from the airport where the accommodation.
aeroplane lands to a local funeral home where f) Treatment or services provided by a health spa,
your body will pass into the care of the convalescent or nursing home or any rehabilitation
local/desired undertaker. centre unless agreed by us.
g) Any costs incurred by you to visit another person in
b) within your home area, the additional cost of hospital.
returning your ashes or body to a chosen funeral h) Any expenses incurred after you have returned to
director, up to a maximum of £750. your home area.
i) Expenses incurred as a result of a tropical disease
6. Additional transport and/or accommodation expenses where you have not had the recommended
incurred, up to the standard of your original booking (for inoculations and/or taken the recommended
example full or half board, bed and breakfast, self- medication.
catering or room only), if it is medically necessary for j) Any expenses incurred after the date on which we
you to stay beyond your scheduled return date. This exercise our rights under this section to move you
includes, with the prior authorisation of us, additional from one hospital to another and/or arrange for your
transport and/or accommodation expenses for a repatriation but you decide not to be moved or
travelling companion, friend or close relative to stay repatriated.
with you or travel to you from your home country or
escort you. Also, additional travel expenses to return You should also refer to “Declaration of Medical Conditions
you to your home or a suitable hospital nearby if you and Health Changes” and “Exclusions Relating to Health and
cannot use the return ticket. Medical Conditions on pages 2-3 of this policy.
7. With the prior authorisation of us, the additional costs Section B1 – HOSPITAL CONFINEMENT
incurred in the use of air transport or other suitable
means, including qualified attendants, to repatriate you BENEFIT
to your home if it is medically necessary. These What is Covered
expenses will be for the identical class of travel utilised We will pay you the amount shown in the Validation
on the outward journey unless we agree otherwise. Certificate Schedule of Cover for every complete 24 hours
you have to stay in hospital as an in-patient or are confined
Special Conditions Relating to Claims to your accommodation due to your compulsory
1. You must tell us as soon as possible of any bodily quarantine on the orders of a medical practitioner outside
injury, illness or disease which necessitates your your home area, up to the maximum amount shown in the
admittance to hospital as an in-patient or before any Validation Certificate Schedule of Cover as a result of
arrangements are made for your repatriation. bodily injury, illness or disease you sustain.
2. If you suffer bodily injury, illness or disease we
reserve the right to move you from one hospital to We will pay the amount above in addition to any amount
another and/or arrange for your repatriation to your payable under Section B – Medical, repatriation and other
home country at any time during the trip. We will do expenses. This payment is meant to help you to pay for
this, if in the opinion of the medical practitioner in additional expenses such as taxi fares and phone calls
attendance, or us, you can be moved safely and / or incurred by your visitors during your stay in hospital.
travel safely to your home area or a suitable hospital
nearby to continue treatment. Special Conditions Relating to Claims
1. You must tell us as soon as possible of any bodily
What is Not Covered injury, illness or disease which necessitates your
admittance to hospital as an in-patient, compulsory
The General Exclusions on page 4 and the exclusions quarantine or confinement to your accommodation on
below both apply to Section B – Medical, Repatriation the orders of a medical practitioner.
and Other Expenses
What is Not Covered
1. The excess shown in the Validation Certificate
Schedule of Cover. The General Exclusions on page 4 and the exclusions
2. Normal pregnancy, without any accompanying bodily below both apply to Section B1 – Hospital Confinement
injury, illness, disease or complication. This section is Benefit
designed to provide cover for unforeseen events,
accidents, illnesses and diseases and normal childbirth 1. Any claims arising directly or indirectly from:
and pregnancy would not constitute an unforeseen
event or illness. a) Any additional period of hospitalisation, compulsory
3. Any claims arising directly or indirectly for: quarantine or confinement to your accommodation:
a) The cost of treatment or surgery, including exploratory i. relating to treatment or surgery, including
tests, which are not related to the bodily injury or exploratory tests, which are not directly related to
illness which necessitated your admittance into the bodily injury, illness or disease which
hospital. necessitated your admittance into hospital.
b) Any expenses which are not medically necessary in ii. relating to treatment or services provided by a
the course of treating your bodily injury, illness or convalescent or nursing home or any rehabilitation
disease. centre.
c) Any form of treatment or surgery which in the opinion iii. following your decision not to be repatriated after
of the medical practitioner in attendance and us can the date when, in our opinion, it is safe to do so.
be delayed reasonably until your return to your home
area. b) Hospitalisation, compulsory quarantine or confinement
to your accommodation:
8i. relating to any form of treatment or surgery which in b) If, due to one of the Specified Events above, your pre-
the opinion of the medical practitioner in booked public transport is delayed at the final departure
attendance and us can be delayed reasonably until point from your home country for 24 hours, or if such
you return to your home area. public transport is cancelled, and you decide to cancel
ii. as a result of a tropical disease where you have not your trip before departure from your home country,
had the recommended inoculations and/or taken the then in addition to a payment for travel delay, we will pay
recommended medication. up to the amount shown in the Validation Certificate
iii. occurring in your home area and relating to either Schedule of Cover for any irrecoverable unused travel
private treatment or tests, surgery or other and accommodation costs and other pre-paid charges
treatment, the costs of which are funded by, or are which you have paid or are contracted to pay.
recoverable from, the Health Authority in your home c) If you decide to continue to travel following a delay of at
area. least 12 hours due to one of the Specified Events above,
we will also reimburse you up to the amount shown in the
Section C – PERSONAL ACCIDENT Validation Certificate Schedule of Cover for the cost of
For the purposes of this Section C the following have the any pre-booked and pre-paid event(s) which you were
following meanings: unable to attend due to the travel delay.
Item 1 - accidental death
Item 2 – loss of limb or loss of sight Notes:
Item 3 – permanent total disablement • If the same expenses are covered under Section D1
(Missed Departure), you can only claim under one
What is Covered section of this insurance for the same event.
We will pay one of the benefits shown in the Validation • There is no cover under c) above if the sole purpose of
Certificate Schedule of Cover if you sustain bodily injury your trip is to attend a pre-booked and pre-paid event.
which solely and independently of any other cause, results Cover can be purchased separately for any such trip(s).
within two years in your death, loss of limb, loss of sight or
permanent total disablement. Special Conditions Relating to Claims
1. You must check in according to the itinerary given to you.
Special Conditions Relating to Claims 2. You must get written confirmation, at your own expense,
Our medical practitioner may examine you as often as from the relevant public transport provider of the
he/she considers necessary if you make a claim. number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel
PROVISIONS agent, tour operator, or transport provider.
1. Benefit is not payable to you:
a) Under more than one of items 1, 2 or 3. What is Not Covered
b) Under item 3. until one year after the date you
sustain bodily injury The General Exclusions on page 4 and the exclusions
2. Item 1 will be paid to your estate. below both apply to Section D – Travel Delay and
Abandonment
What is Not Covered
1. The excess shown in the Validation Certificate
The General Exclusions on page 4 and the exclusions Schedule of Cover. The excess only applies to
below both apply to Section C – Personal Accident abandonment claims.
2. Any claims arising directly or indirectly from strike or
You should also refer to “Declaration of Medical Conditions industrial action existing or being publicly announced by
and Health Changes” and “Exclusions Relating to Health and the date the policyholder purchased this insurance or at
Medical Conditions” on pages 2- 3 of this policy. the time of booking any trip.
3. Any claims arising directly or indirectly from an aircraft or
sea vessel being withdrawn from service (temporarily or
Section D – TRAVEL DELAY AND otherwise) on the recommendation of the Civil Aviation
ABANDONMENT Authority, Port Authority or any such regulatory body in a
What is Covered country to/from which you are travelling.
4. Any claim for reimbursement of the cost of pre-booked
a) If, due to one of the Specified Events below, the departure and pre-paid event(s) where the sole purpose of your trip
of the public transport on which you are due to travel is was to attend such event(s).
delayed at the final departure point from or to your home
country, or if any subsequent outbound or return Section D1 – MISSED DEPARTURE
connecting public transport is delayed, for at least 12 What is Covered
hours from the scheduled time of departure, then a) If, due to one of the Specified Events listed below, you
provided you still travel we will pay the amount shown in fail to arrive at the departure point in time to board the
the Validation Certificate Schedule of Cover. public transport on which you are booked to travel for
the international outbound and return legs of your trip,
Specified Events we will pay you up to the maximum amount shown in the
1. An accident involving, or the mechanical breakdown of, or Validation Certificate Schedule of Cover for any
a technical fault occurring in, the vehicle on which you are necessary additional accommodation (room only) and
booked to travel. travel expenses incurred in reaching your overseas
2. Strike, industrial action or adverse weather conditions. destination or returning to your home country.
The amount we will pay for a) the first full completed 12 hours Specified Events
of delay, and b) each additional full 12 hours of delay is as 1. The failure of other public transport.
shown in the Validation Certificate Schedule of Cover. This 2. An accident involving, or the mechanical breakdown of, or
benefit is intended to help you to pay for telephone calls a technical fault occurring in, the vehicle in which you are
made, and meals and refreshments purchased, during the travelling.
delay. 3. An accident or breakdown happening ahead of you on a
motorway or dual carriageway which causes an
9unexpected delay to the vehicle in which you are the date the policyholder purchased this insurance or at
travelling. the time of booking any trip.
4. Strike, industrial action or adverse weather conditions. 3. Any claims arising directly or indirectly from an aircraft or
5. You arrive at your departure point at the recommended sea vessel being withdrawn from service (temporarily or
time to complete pre-boarding checks, but miss your otherwise) on the recommendation of the Civil Aviation
booked transportation due to: Authority, Port Authority or any such regulatory body in a
a. failing a health screening prior to country to/from which you are travelling.
boarding; or 4. Claims arising directly or indirectly from an accident to or
b. waiting for the results of unplanned medical breakdown of the vehicle in which you are travelling when
tests administered at your departure point. a repairer’s report or other evidence is not provided.
5. Claims arising directly or indirectly from breakdown of any
b) If, as a result of missing the departure of the public vehicle owned by you which has not been serviced and
transport on which you are booked to travel for the maintained in accordance with the manufacturer’s
international outbound and return legs of your trip due to instructions.
one of the Specified Events listed above, you then miss 6. Additional expenses where the scheduled public
any subsequent outbound or return connecting public transport provider has offered alternative travel
transport, we will pay you up to the maximum amount arrangements within 24 hours of the original departure
shown in the Validation Certificate Schedule of Cover time and of a comparable standard and duration.
for any necessary additional accommodation (room only) 7. Any claim for reimbursement of the cost of pre-booked
and travel expenses incurred in reaching your overseas and pre-paid event(s) where the sole purpose of your trip
destination or returning to your home country. There was to attend such event(s).
must be a minimum of 2 and a half hours between the 8. Any claims related directly or indirectly to coronavirus
scheduled arrival time of the public transport on which (COVID-19) apart from “What is Covered" event 5.
you have travelled and the scheduled departure time of 9. If you purchase this policy or book a trip after receiving
the subsequent outbound or return connecting public a positive coronavirus (COVID-19) test result or while
transport. waiting for a coronavirus (COVID-19) test result and
your trip starts within 14 days.
c) If, as a result of one of the Specified Events listed above, 10. The cost of any medical tests.
you are unable to attend any pre-booked and pre-paid 11. Claims where the same event is paid under Section A –
event(s) due to missing the departure of the public Cancellation or Curtailment charges.
transport on which you are booked to travel for the
international outbound and return legs of your trip, and/or
any subsequent outbound or return connecting public Section E - BAGGAGE
transport, we will reimburse you up to the maximum
amount shown in the Validation Certificate Schedule of Please Note:
Cover for the cost of such pre-booked and pre-paid Under this policy “baggage” means the following:
event(s).
Luggage, clothing, personal belongings, valuables and other
Before you make independent arrangements to continue articles which belong to you (or for which you are legally
your trip at an additional cost, you must discuss this with responsible) which are worn, used or carried by you during
your airline or holiday provider as they may be able to any trip.
provide assistance to continue your journey.
However, certain equipment and specific items are not
covered. Please see exclusion 5 on page 11 for a full list of
Notes: equipment and specific items which are not covered.
• If the same expenses are covered under Section D
(Travel Delay and Abandonment), you can only claim What is Covered
under one section of this insurance for the same event. 1. We will pay you up to the amount shown in the
• There is no cover under c) above if the sole purpose of Validation Certificate Schedule of Cover for the
your trip is to attend a pre-booked and pre-paid event. accidental loss of, theft of or damage to baggage. The
Cover can be purchased separately for any such trip(s). amount payable will be the value at today’s prices less
Special Conditions Relating to Claims a deduction for wear, tear and depreciation (loss of
value).
1. You must be scheduled to arrive at the final departure
point for the international outbound and return legs of
The maximum we will pay you for the following items is:
your trip at least 2 and a half hours before the scheduled
a) the amount shown in the Validation Certificate
departure time of the public transport on which you are
Schedule of Cover for any one article, pair or set of
booked to travel.
articles
2. There must be a minimum of 2 and a half hours between
b) the amount shown in the Validation Certificate
the scheduled arrival time of the public transport on
Schedule of Cover in total for all valuables
which you have travelled and the scheduled departure
c) the amount shown in the Validation Certificate
time of the subsequent outbound or return connecting
Schedule of Cover in total for all spectacles and
public transport.
sunglasses.
3. If you make a claim caused by any delay happening on a
motorway or dual carriageway, you must get, at your own
2. We will also pay you up to the amount shown in the
expense, confirmation or proof of the incident happening,
Validation Certificate Schedule of Cover for the
and of the location, reason for and duration of the delay.
emergency replacement of clothing, medication and
What is Not Covered toiletries if your baggage is temporarily lost in transit
during the outward journey and not returned to you
The General Exclusions on page 4 and the exclusions within 12 hours, as long as we receive written
below both apply to Section D1 – Missed Departure confirmation from the public transport provider,
1. The excess shown in the Validation Certificate confirming the number of hours the baggage was
Schedule of Cover. delayed.
2. Any claims arising directly or indirectly from strike or
industrial action existing or being publicly announced by If the loss is permanent, we will deduct the amount paid
from the final amount to be paid under this section.
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