HSBC Insurance Aspects: Travel Insurance - HSBC Channel Islands ...

HSBC Insurance Aspects:
Travel Insurance
Policy Summary and Policy Wording
Policy Number: 060605/011012
Effective from 20 April 2019

 Please take time to read this policy booklet as it contains important information
 about your Worldwide Travel Insurance.
 To be covered you and any insured persons need to be:
 ®® under 70 when your trip starts
 ®® a UK* resident
 ®® registered with a doctor in the UK in order to make any medical claims.
   *definition of UK includes Channel Islands and Isle of Man

  hildren are covered if they are under 18 years of age (under 23 years of age
 if in full time education and living at home outside of term time).

 To help you understand what you are covered for at a glance – we’ve highlighted
 some common questions such as:
 ®® do I need to tell you that I’m travelling?
 ®® do you need to know about any medical conditions?
 ®® what is the maximum trip length?
 ®® are holidays in the UK covered?
 ®® are business trips and winter sports covered?
 ®® how do I make a claim?
 ®® can my partner travel independently?
 Further details are on page 2.

Welcome to your
HSBC Insurance Aspects: Travel Insurance
Please take time to read this booklet as it contains important
information. If you have a question and cannot find the answer either
below or in the policy wording, please contact Customer Services.

Do I need to tell you   No. As long as you have told us about any relevant pre-existing
that I am travelling?   medical conditions you do not need to register with us or tell us
                        that you are travelling.

Do you need to          Yes. If you, or any insured person have a medical condition(s),
know about any          you should check to see if the condition(s) is covered
medical conditions?     automatically on the “Accepted conditions” list. If the condition
                        is not listed and if in the 12 months prior to booking a trip you
                        have been prescribed medication, have received or are awaiting
                        medical treatment, tests or investigations, been referred to a
                        specialist or admitted to hospital, then you should call us before
                        booking trips. Undiagnosed symptoms are not covered. Please
                        see the ‘Your Health’ section with the “Accepted conditions” list
                        on page 21 for full details of when and what you must declare.

What is the policy      Where a policy excess applies it is £50 per person, per trip.

What is the             Trips should be no longer than 31 days and must start and end in
maximum trip            the UK, Channel Islands or Isle of Man. However, when booking
length?                 your trip, you may be able to purchase an upgrade to cover an
                        extended duration.

What upgrades are       The following upgrades may be available for an additional
available on this       cost; extended trip duration up to 120 days, increased cover
policy?                 for cancelling your trip or coming home early up to £7,500 per
                        person, increased cover for golf equipment and green fees. For
                        further information please see page 14.

Are holidays in the   Yes. Holidays in the UK, Channel Islands or Isle of Man need to
UK covered?           involve a stay of at least two consecutive nights in pre-booked
                      holiday accommodation. Please see our definition of pre-booked
                      holiday accommodation on page 12.

Are winter sports     Yes. Winter sports holidays are covered for up to a maximum of
holidays covered?     31 days in any calendar year. Please see the full details of what
                      is covered on page 35.

Are business trips    We will provide cover if you travel outside the UK to carry out
covered?              office-based clerical or administrative duties. You are covered
                      for up to a maximum of 31 days in any calendar year. We do not
                      cover any other type of business travel, even if you have some
                      leisure time during your trip.

Can my                Yes, partners who are not named account holders can travel
partner travel        without the account holder at any time provided they are eligible
independently?        and the account holder is aged under 70.

Can I claim for       No. There is no cover under this policy for problems with your
cancellation of       travel documents before you leave. If your passport is lost or
my trip if I have a   stolen or damaged while you are abroad there is cover in this
problem with my       situation. Please see the Emergency Travel Document section
travel documents,     on page 33.
e.g. my passport
is out of date/not    Before you book a trip, check the entry requirements of the
arrived in time or    country you intend to visit with the local government embassy
my visa is invalid?   and/or the Foreign and Commonwealth Office website

How do I make         To make a claim please call the relevant number on page 4 and
a claim?              refer to the information on page 7. Please see pages 8-10 for the
                      limits and excesses which will apply to each section.

Travel Insurance Helplines
 Medical Risk Assessment                              Within the UK 08000 517 142
 Please refer to the ‘Your Health’ section on         Lines open: 8am – 9pm every day
 page 20 to find out if you need to tell us           except Christmas Day, Boxing Day
 about medical condition(s).                          and New Year’s Day.
 24-hour Medical Emergency Assistance                 Within the UK 08000 517 451
 If you are injured or fall ill while you are away,   Outside the UK +44 1603 605 142
 please contact this helpline.
                                                      All lines open: 24 hours, 365 days a year.
 Customer Services                                    Phone 03457 404 404
 Use this number for all general policy enquiries.    Textphone 03457 125 563

 Policy documentation is available in large print,    All lines open: 24 hours, 365 days a year
 audio and Braille. If you require any of these
 formats please contact HSBC.
 Travel Claims                                        Within the UK 08000 517 452
 Use this number to report any travel claims,         Outside the UK +44 1603 604 960
 which are not as a result of a medical
                                                      Lines open: 24 hours, 365 days a year.
 Legal Expenses Claims and Advice                     Within the UK 01603 208 533
 Use this number to report any legal expenses         Outside the UK +44 1603 208 533
 claims or if you require advice for any personal
                                                      Lines open: 24 hours, 365 days a year.
 legal problem that may lead to a claim under
 this policy.
 Travel Assistant                                  Within the UK 08000 517 453
 This helpline can assist you with a wide range    Outside the UK +44 1603 605 120
 of travel advice before and while you are away.
                                                   Lines open: 24 hours, 365 days a year.
 Please do not call this number for policy queries
 or claims.
 Policy Upgrades                                      0800 328 1563
 Additional cover may be available to extend          Lines open: Mon to Fri (9am to 5pm).
 your trip duration, increase cancellation cover
 and add cover for golf equipment and fees.

Telephone call charges and recording
Calls to 0800 numbers are free from UK landlines and mobiles.

The cost of calls to 01, 02 and 03 prefixed numbers are charged at national call rates
(charges may vary dependent on your network provider) and are usually included in
inclusive minute plans from landlines and mobiles.

For our joint protection telephone calls may be recorded and/or monitored.

Travel Assistant                               While travelling:
                                               ®® how to replace lost or stolen passports,
Helpline                                          driving licences, air tickets or other travel
This service can help you sort out all kinds   ®® how to trace your baggage with the
of travel problems before you go and while        airline operator if it is delayed or lost;
you are away; from providing information       ®® why, how, where and when you should
on the countries you are visiting to sorting      contact local embassies or consulates;
out non-medical emergencies.                   ®® how to transfer money out to you if you
                                                  need it;
Advice before you travel:
                                               ®® cancellation of credit cards, if lost or
®® any visa and entry permits you might
                                                  stolen, and helping you to report the loss
                                                  to your card provider;
®® any necessary vaccination and
                                               ®® provide information to close relatives,
   inoculation requirements, and where
                                                  friends or employers if you have to go
   you can get them;
                                                  into hospital.
®® what you should take with you
   regarding first aid and health;             Other emergency services while
®® what currencies and travellers’ cheques     travelling:
   to take with you, and what the current      ®® a ‘phone home’, translation and
   exchange rates are;                            interpretation service if you need
®® the languages spoken, time zones, bank         it in an emergency.
   holidays and climate of countries you
   plan to visit;                              Please note: There is no charge for the
®® import and export allowances for            provision of the advice guidance or other
   tourists.                                   emergency service shown above. However,
                                               if you wish us to obtain goods or services
                                               on your behalf that are not covered by a
                                               claim under this policy, you will need to pay
                                               any fees that the provider charges and you
                                               will need to adhere to the provider’s terms
                                               and conditions.

Foreign and                                   Air and maritime
Commonwealth                                  passenger rights
Office (FCO) –                                For the latest advice and further details

Travel advice by                              on your rights please visit the following
country                              and search for ‘travel problems’
We are working with the FCO to help British   and and search for ‘maritime
travellers stay safe overseas. Before you     passenger rights’.
travel abroad, check out the FCO website             You should also refer to the terms and
                                              conditions of the carrier you are travelling
It is packed with essential travel advice     with.
and tips, plus up to date information about
different countries.                          Please note – we are not responsible for
                                              the content of other websites.

Your claim
If you need to make a claim please telephone the number shown on page 4 immediately.
Only a selection of claims scenarios are shown below. Please refer to the relevant section
within this policy booklet for full details of cover and any evidence we may require.

 Type of claim         What must I do?                    What will I need?
 Cancelling your       ®® Check that the reason you   ®® For medical claims, we will
 trip or coming           need to cancel or come home    send a medical certificate for
 home early               early is covered.              completion by the patient’s
 See page 27.          ®® Contact the Medical           doctor to confirm the reason
                           Emergency Helpline before     for your claim.
                           returning home.            ®® Evidence of your booking and
                                                         the cancellation.
 Travel delay after    ®® Check that your delay           ®® Written confirmation from
 check-in                 was over 12 hours before           the airline/carrier of the actual
 See page 30.             submitting a claim.                date and time of departure
                                                             and the reason for the delay.
 Missed departure      ®® Do all you can to get to your    ®® A repair or assistance report if
 See page 30.             departure point on time.            the vehicle you were travelling
                                                              in broke down or was involved
                                                              in an accident.
 Enforced stay         ®® Contact your airline/carrier     ®® Written confirmation from
 abroad                   and they will advise if you          the airline/carrier of the actual
 See page 31.             should travel to the airport/        date and time of your return to
                          port to check in at your             the UK.
                          specified time.                  ®® Documentary evidence of
                                                               costs incurred if you make
                                                               your own way home.
 Medical               ®® Contact the Medical              ®® All medical reports given to
 emergency                Emergency Helpline before           you by the treating facility.
 See page 32.             any hospital admission or as
                          soon as possible thereafter.
 Legal expenses        ®® Contact the Legal Expenses       ®® We will tell you when you call
 See page 35.             Claims and Advice Helpline          if we need anything else to
                          as soon as you are aware of         deal with your claim.
                          the incident.

Type of claim      What must I do?                      What will I need?
Delayed baggage    ®® Report the loss/damage to        ®® Written confirmation from the
See page 37.           the airline/carrier within the      airline/carrier of the number of
                       timescales stated within their      hours delay.
                       terms and conditions.
Emergency travel   ®® Report incident to the police     ®® All receipts for any costs
documents             as soon as reasonably                incurred.
See page 38.          possible.
Baggage and        ®® Take all reasonable steps to      ®® A ‘Property Irregularity Report’
personal money        recover lost/stolen property.         from the airline/carrier and
See page 37.       ®® Report incident details to the        your baggage tag receipts.
                      police as soon as reasonably      ®® Proof of purchase of the lost,
                      possible.                             stolen or damaged item.
                   ®® Report the loss/damage to         ®® Proof that you owned the
                      the airline/carrier within the        money and its value.
                      timescales stated within their    ®® A written report from the
                      terms and conditions.                 police or any other relevant
                   ®® Do not dispose of damaged             authority.

Guide to your HSBC Insurance Aspects:
Travel Insurance Policy

Section 1 – Policy Summary                                         10

Keyfacts – Your HSBC Insurance Aspects: Travel Insurance Summary   10

Section 2 – Policy Wording                                         16


Helpful and important information about this policy                18

General Exclusions                                                 20

General Conditions                                                 22

Your health – cover and exclusions for medical conditions          25

Accepted medical conditions list                                   25

On your trip                                                       27

Cancelling or coming home early                                    27

Travel disruption                                                  30

Emergency medical and associated expenses                          32

Accidental death and permanent disability                          34

Legal expenses and advice                                          35

Personal liability                                                 36

Your possessions                                                   37

Catastrophe cover                                                  39

Winter sports                                                      40

Your Activities                                                    42

Complaints procedure                                               44


Further information about your policy                              45

HSBC Privacy Overview                                              45

Aviva Privacy Notice                                               45


Section 1 –                                         What are the main benefits, features,
                                                    exclusions, limits and excesses?
Policy Summary                                      ®® Travel Insurance for each HSBC
                                                       Insurance Aspects holder and his/her
This is a summary of the policy and does               partner on trips anywhere in the world.
not contain the full terms and conditions of           Children under 18 (under 23 years of age
the cover, which can be found in Section 2             if still in full time education and living
of this booklet. It is important that you read         at home outside of term time) travelling
the full policy wording carefully and keep it          with the HSBC Insurance Aspects holder
for future reference.                                  or his/her domestic partner are also
Who is the insurer?                                 ®® Cover is provided for taking part in
The insurer is Aviva Insurance Limited.                certain recreational leisure activities
                                                       where this is the main purpose of the trip.
What is HSBC Insurance Aspects:
                                                    ®® Cover is provided for trips of up to
Travel Insurance?
                                                       31 days duration including winter
This policy is designed to meet certain
                                                       sports holidays.
costs that might arise in the course of your
worldwide trips.                                    The table below explains the main benefits,
                                                    features, exclusions and limitations for each
                                                    section of your Travel Insurance. Please
                                                    refer to the terms and conditions for further

 Section         What are the             What are the              Limit per       Excess per
                 main benefits and        significant or            insured         insured
                 features?                unusual exclusions        person          person, per
                                          or limitations?                           claim, per trip
 Cancelling      Refund of your own        Pre-existing
                                                                  Up to £5,000.   £50.
 or coming       personal and non-         medical conditions
 home early      recoverable travel and    unless listed as
 Page 27         accommodation costs;      an “Accepted
                 or                        condition” or
                                           disclosed to and
                 Proportionate refund      accepted by us.
                 of your unused and
                 non-recoverable           Any awareness, at
                 accommodation costs       the time of booking
                 and, where applicable,    your trip, of possible
                 reasonable costs to       reasons that
                 return home.              could prevent you
                                           from travelling or
                                           continuing your trip.

Section       What are the               What are the              Limit per        Excess per
              main benefits and          significant or            insured          insured
              features?                  unusual exclusions        person           person, per
                                         or limitations?                            claim, per trip
Travel        Travel Delay after          You must have
                                                                 £50 for each     Nil.
Disruption    Check-in                    checked in at the        12 hours you
Page 30       A benefit if your           specified time.          are delayed up
              pre-booked transport is                              to a maximum
              delayed for more than                                of £250.
              12 hours on your
              outward journey from
              the UK.
              Missed Departures           You cannot claim
                                                                 Up to £1,000     Nil.
              Cover for extra travel      the benefit for a        for missed
              and accommodation           missed departure         departure.
              costs if you miss your      if your trip is solely
              pre-booked transport.       within the UK,
                                          Channel Islands or
                                          Isle of Man.
                                          Any claim for a
                                          missed departure
                                          for a trip which was
                                          not pre-booked
                                          before you left the
                                          Channel Islands or
                                          Isle of Man.
                                          Any claim if you
                                          have not left
                                          sufficient time
                                          to reach your
              Enforced Stay               Any payment if you
                                                                 £100 for each    Nil.
              Abroad                      have not purchased       full 24 hours
              Cover if you are unable     a return ticket or       that you are
              to return home on your      confirmed your           unable to return
              scheduled return date       return date with         home up to a
              due to airport, port or     your travel provider     maximum of
              airspace closure.           before the claim         £1,500.
Emergency     Cover for emergency         Pre-existing
                                                                 Up to            £50.
Medical and   medical treatment and if    medical conditions       £10,000,000.
Associated    necessary repatriation.     unless listed as         Lower limits
Expenses                                  an “Accepted             apply for some
Page 32                                   condition” or            associated
                                          disclosed to and         expenses.
                                          accepted by us.

Section       What are the               What are the             Limit per         Excess per
              main benefits and          significant or           insured           insured
              features?                  unusual exclusions       person            person, per
                                         or limitations?                            claim, per trip
Accidental    Death, loss of limbs/       Sickness, disease,
                                                                Up to £50,000     Nil.
Death or      sight or permanent total    nervous shock           (£1,000 death
Permanent     disablement following       or a naturally          benefit if aged
Disability    an accidental injury.       occurring condition     under 16).
Page 34                                   or degenerative
Legal         Cover to pursue a civil     Any costs before
                                                                Up to £50,000.    Nil.
Expenses      claim if you suffer         your claim has been
Page 35       personal injury or death    accepted.
              during your trip.
Personal      Cover for your legal        Claims arising from
                                                                Up to             £50 damage to
Liability     liability if you cause      your job or the use     £2,000,000.       temporary
Page 36       accidental injury or        of animals, fire                          holiday
              death to third parties,     arms, motorised                           accommodation.
              or damage to their          vehicles, vessels or
              property.                   aircraft.
Your          Delayed Baggage             Any incident not
                                                                Up to £150        Nil.
Possessions   A benefit to replace        reported to the         for delayed
Page 37       temporarily lost            police as soon as       baggage.
              essential items.            reasonably possible
                                          following discovery
              Baggage and                                         Up to £1,500 for £50 baggage
                                          of the loss or theft.
              personal money                                      baggage          and personal
              Cover for loss, theft       Money or valuables
                                                                                 money.
                                                                  Up to £400 for
              or damage of your           not carried in your
                                                                  any individual
              baggage, personal           hand baggage
              money or travel             whilst you are in
              documents.                  transit.                Up to £500
                                                                  for personal
                                          Theft claims from
                                          locked property
              Emergency Travel            or motor vehicles       Up to £750      Nil.
              Documents                   when there is no        emergency
              Cover for the cost of an    evidence of forcible    travel document
              emergency passport          and violent entry.      expenses.
              or visa and travel and      Theft claims from
              accommodation costs         unattended motor
              if you cannot use your      vehicles unless your
              return ticket.              belongings are left
                                          out of view.

 Section        What are the                 What are the            Limit per        Excess per
                main benefits and            significant or          insured          insured
                features?                    unusual exclusions      person           person, per
                                             or limitations?                          claim, per trip
 Winter         Cover for loss, theft         Winter sports
                                                                   Up to £500       £50 for
 Sports Cover   or damage to winter            equipment left in     equipment.       equipment.
 Page 40        sports equipment.              a motor vehicle.      Up to £200
                Also covers additional        Damage to hired
                                                                   avalanche
                benefits for delays due       winter sports          delay.
                to avalanche, ski pack,       equipment while
                piste closure or injury or                           Up to £300
                                              being used.            piste closure.
                                              Theft claims from
                                                                   Up to £500 ski
                                              locked property        pack.
                                              when there is no
                                              evidence of forcible
                                              or violent entry.

The following are the main                                influence or effect of alcohol or drugs
General Exclusions and Conditions                         (other than drugs taken under medical
that apply to the whole policy                            supervision and not for treating alcohol
Please see the full details on pages 20 to 24.            or drug addiction);
                                                        ® you climbing on to, on top of, or jumping
There is no cover for:                                    from any balcony, railing, ledge or
                                                          wall; or climbing or moving across any
 ® air miles, loyalty/points based ownership
                                                          external part of a building or vehicle not
    schemes, timeshares or similar
                                                          specifically designed for that purpose.
    promotions, any course or tuition fees or
    similar;                                           We can, at any time and after taking a fair
 ® you using a motorcycle over 125cc                   and reasonable view, but no more than
    during the trip, unless this is your mode          once in a six month period make changes
    of transport from the UK, Channel                  to your policy cover and/or terms and
    Islands or Isle of Man;                            conditions of insurance to reflect:
 ® you using a quad bike, all terrain vehicle
    or similar on or off road or any claim              ® changes in our expectation of the future
    relating to you driving a motor vehicle               cost of providing cover and administering
    without a valid licence and/or insurance;             your policy;
 ® any costs you have paid for any person               ® changes in the law, regulation or taxation
    not insured under this policy;                        that affects us or your policy.
 ® any claim arising from paid or unpaid
                                                       Changes will be notified to you in writing at
    manual work or physical labour of any
                                                       least 30 days before they become effective.
    kind other than charity or conservation
                                                       Policy cover may be increased or decreased.
    work (see further limitations in the Your
    Activities section);
                                                       You are free to cancel this policy in
  ® any claim resulting from you misusing              accordance with General Condition 15.
    or being under the direct or indirect

Your health – what do you need                   (c) Any medical condition for which you
to tell us?                                      were on a waiting list, or aware of the
Before booking any trip                          need for, surgery, in-patient treatment or
Pre-existing medical conditions are not          investigation at a hospital, clinic or nursing
covered at any time under this policy unless     home.
they are shown as “Accepted conditions” in
the Your Health section on page 25 or they       (d) Any medical condition for which you
have been disclosed to and accepted by           were not taking the medication prescribed
our Medical Risk Assessment team. If you         to you.
or any insured person on the policy have
a condition(s) that is not listed, you must      (e) Where you had received a terminal
call the Medical Risk Assessment team if,        prognosis.
in the 12 months prior to booking your trip,
                                                 (f) Travelling against the advice of a doctor
you have:
                                                 or purposely travelling without medical
®® been prescribed medication and/or             advice when it was reasonable for you to
                                                 have consulted a doctor.
®® received or are awaiting, medical
   treatment, tests or investigations and/or     (g) Travelling with the intention of seeking
®® been referred to or had follow up with a      medical treatment.
   specialist and/or
®® been admitted to hospital or had surgery.     How long does my HSBC Insurance
                                                 Aspects: Travel Insurance run for?
After you have booked your trip                  All cover under this policy will cease
You must call the helpline if you or anyone      automatically if:
insured under the policy are referred to a
specialist/consultant or admitted to hospital.   1. the Insurance Aspects holder:

Health exclusions                                ®® Closes the qualifying account.
1. There is no cover for any claim arising       ®® Cancels HSBC Insurance Aspects.
directly or indirectly from the following:       ®® Reaches 70 years of age (on joint
                                                     accounts cover continues for the other
(a) Any medical condition unless it is shown         eligible account holders until they reach
as an ‘Accepted condition’ or we have been           age 70).
told about it and we have accepted it in
                                                 ®® Is no longer a UK, Channel Islands or Isle
                                                     of Man resident.
(b) Any symptoms that you were aware of          ®® Is believed to be or reasonably suspected
prior to booking a trip that you have sought,        by us to be acting fraudulently.
but not yet received a diagnosis for.

2. HSBC:                                        If you are unhappy with any aspect of the
                                                handling of your claim please contact
®® Cancels HSBC Insurance Aspects under
   one of the reasons set out in the HSBC       ®® The Travel Claims Helpline number
   Insurance Aspects terms and conditions.         shown at the front of this booklet; or
                                                ®® The HSBC Claims Department
Eligibility                                        Aviva Insurance Limited
As your circumstances may change over              PO Box 432
time, it is important that you review the          Chichester
terms and conditions of this policy regularly      PO19 1QA.
to check you remain eligible and that the
cover remains adequate for your needs.          If your complaint is regarding anything else
                                                please contact:
Meeting your needs
This policy has been designed to meet           ®® The Customer Services Helpline number
the needs of people who wish to protect            shown at the front of this booklet.
against costs that could arise in the course
of their travels. It covers such things         Both HSBC and Aviva are covered by the
as cancellations, emergency medical             Financial Ombudsman Service, you can find
treatment, personal liability, legal expenses   their full details on page 44.
and the theft of your money.
                                                If you have complained to us and we have
Your cancellation rights                        been unable to resolve your complaint,
To exercise your right to cancel this policy    you may refer it to this independent body.
you must contact HSBC to cancel HSBC            Following the complaints procedure does
Insurance Aspects. If the qualifying account    not affect your right to take legal action.
remains in force and the HSBC Insurance
Aspects continues, this policy will remain      Would I receive compensation if Aviva
active until the first of the termination       were unable to meet their liabilities?
events shown above occurs.                      Aviva is covered by the Financial
                                                Services Compensation Scheme (FSCS).
How do I make a claim?                          You may be entitled to compensation
Should you need to make a claim under           from this scheme if we cannot meet our
this policy, please contact the appropriate     obligations, depending on the type of
helpline shown on page 4.                       insurance and the circumstances of your
                                                claim. Further information about the FSCS
How do I make a complaint?                      arrangements is available from them on
We hope you will be happy with the service      0800 678 1100, or by visiting their website
that we provide. However, if for any reason
you are unhappy with it, we would like to
hear from you.

Section 2 –                                      2. Guernsey, Alderney, Sark, Herm, Jethou,
                                                 Brecqhou and Lihou if your home is
Policy Wording                                   located on any of these islands.

Definitions                                      HSBC Insurance Aspects Holder
Wherever the following words or phrases          The person(s) named as the account holder
appear in bold, they will have the following     on the qualifying account.
                                                 office-based business travel
close business colleague                         Travel outside the UK if the reason for your
Someone you work with in the UK who has          trip is to carry out wholly office-based
to be in work in order for you to be able to     clerical or administrative duties only, which
go on or continue a trip. A senior manager       do not involve you dealing with members
or director of the business must confirm this    of the public. Office-based business travel
in the event of a claim.                         is limited to 31 days in any calendar year.

close relative                                   partner
Your mother, father, sister, brother, partner    The person that the HSBC Insurance
who lives with you, fiancé(e), daughter,         Aspects holder lives with at home in a
son, grandparent, grandchild, parent-in-law,     domestic relationship, whether married or
daughter-in-law, son-in-law, brother-in-law,     co-habiting (as if husband and wife or civil
sister-in-law, step-parent, step-child, step-    partnership), regardless of gender, who is
sister, step-brother, aunt, uncle, cousin,       under 70 years of age at the start date of
nephew, niece, legal guardian or foster child.   the trip.

doctor                                           period of insurance
A registered member of the medical               Each trip you make, whilst you hold HSBC
profession who is not related to you or          Insurance Aspects, will be treated as a
anyone you are travelling with.                  separate period of insurance, individually
                                                 subject to all policy terms, conditions,
excess                                           declarations and exclusions. Cover for each
The amount that you will have to pay             individual trip applies as follows:
towards each claim per insured person,
per trip.                                        1. Cover for cancelling your trip begins
                                                 from the date of opening HSBC Insurance
home                                             Aspects or the date of booking each trip
your home address in the UK.                     (whichever is later) and ends when you
                                                 leave your home to start your trip.
home territory
1. England, Scotland, Wales, Northern            2. Cover under all other sections starts
Ireland, Jersey and Isle of Man if your          when you leave your home and ends
home is located in any of these areas.           when you return home (or are repatriated
                                                 to a hospital in the UK), providing you do
                                                 not exceed the trip limit.

personal money                                   3. Holidays within the UK, that include
Cash (including foreign currency), travellers’   two or more consecutive nights stay in
cheques, non-refundable pre-paid event           pre-booked holiday accommodation.
and entertainment tickets, travel tickets,
passports, visas and driving licences.           UK
                                                 England, Scotland, Wales, Northern Ireland,
point of international departure                 Channel Islands and Isle of Man.
The airport, port or station from which
you will undertake international travel          UK resident
from or to the UK. If your home is in            An insured person who has their
Northern Ireland, you are also covered           permanent home in the UK.
for international travel from or to the
Republic of Ireland.                             valuables
                                                 Jewellery, costume jewellery, watches,
pre-booked holiday accommodation                 items made of or containing gold, silver,
A commercially run premises where a fee is       precious metal or precious stones,
charged which has been booked prior to the       binoculars, hand held games consoles
start of your trip, including a pre-booked       and equipment, mobile phones,
tent or caravan pitch but not including          photographic equipment, video cameras,
residential properties belonging to friends      e-readers, laptops and tablets, or any
or family.                                       accessories which are designed to be
                                                 used with these items.
qualifying account
The HSBC Advance account from which the          we, us, our, insurer
monthly Insurance Aspects fee is deducted.       Aviva Insurance Limited. Registered in
                                                 Scotland, no. 2116. Registered office:
this policy                                      Pitheavlis, Perth, PH2 0NH. Authorised
The HSBC Insurance Aspects: Travel               by the Prudential Regulation Authority
Insurance.                                       and regulated by the Financial Conduct
                                                 Authority and Prudential Regulation
travelling companion                             Authority.
A person you travel with, without whom
you cannot make or continue your trip.           winter sports equipment
                                                 Skis, snowboards, boots, helmets, bindings
trips(s)                                         or poles.
Journeys beginning and ending in the
UK that last no more than 31 days that           you, your(s), yourself, insured person
are either:                                      The HSBC Insurance Aspects holder, his/
                                                 her partner and their dependent children
    olidays outside the UK; or
1. H                                             who at the start date of the trip are under
                                                 18 years of age (under 23 years of age if still
2. Office-based business travel outside          in full-time education and living at home
the UK; or                                       outside term time).

Helpful and important information              Children
about this policy                              Dependent children who at the start date of
This policy is included with your HSBC         the trip are under 18 years of age (under 23
Insurance Aspects. Please read this booklet    years of age if still in full time education and
carefully, keep it in a safe place and take    living at home outside of term time) are
it with you when you travel. It gives          only covered:
you full details of what is covered, what
is not covered and the limits, excesses        1. when travelling with the HSBC
and conditions of cover. It is the HSBC        Insurance Aspects holder or his/her
Insurance Aspects holder’s responsibility      partner; or
to ensure that all insured persons are
aware of their responsibility and comply       2. whilst travelling abroad on their own to
with all of the policy conditions. If you do   stay with close relatives who permanently
not comply, we may refuse your claim or        live abroad, for the duration of the trip.
reduce your cover in the event of a claim.
                                               Automatic cover
In respect of each trip taken during the       The insurance cover automatically applies
period of insurance, we will provide           for each trip; this means you do not have
the cover set out in this policy document      to contact us every time you book a trip,
provided:                                      unless you need to tell the Medical Risk
                                               Assessment Helpline about any change
1. you are an HSBC Insurance Aspects           to a previously disclosed medical condition
holder and hold a qualifying account;          or the diagnosis of a new condition.
                                               Please also read ‘Information and changes
2. you are a UK resident;                      we need to know about’ below.

3. that in order to make any emergency         Information and changes we need
medical claims or claims for cancellation      to know about
or coming home early due to medical            You must take reasonable care to provide
emergencies, you are registered with a         complete and accurate answers to the
doctor in the UK;                              questions we ask you. For example before
                                               you book a trip or travel, you may need to
4. the trip begins after the date the HSBC     tell the Medical Risk Assessment Helpline
Insurance Aspects was opened;                  about medical conditions not shown on
                                               the “Accepted conditions” list. After your
5. you have booked your return journey         HSBC Insurance Aspects is opened, you
before leaving the UK, or if you have an       must make sure that you tell the Medical
open ticket, you have confirmed your           Risk Assessment Helpline if there are any
return date with the airline.                  changes in health. Please see the Your
                                               Health section of this policy for full details
                                               of what you need to declare.

You also need to tell HSBC if you move            ®® Increased cover for cancelling your trip
address – if this means that you are no               or coming home early – where the cost
longer a UK resident then all cover under             of your holiday is more than £5,000, you
this insurance will end.                             may be able to upgrade to a maximum
                                                     of £7,500 per person.
When we are notified of a change, we will
tell you if it affects this policy, for example   Automatic extension of cover
whether we are able to accept the change          If you cannot get back home before your
and if so, whether the change will result in      cover ends, this policy will remain in force
revised terms. If the information provided by     as follows:
you is not complete and accurate we may:
                                                  1. up to 14 days if any vehicle you are
1. revise or amend the medical underwriting       travelling in breaks down, or any vehicle,
decision(s) for any declared pre-existing         vessel, train or aircraft in which you
condition(s), which may result in the             are booked to travel as a ticket holding
accepted condition being excluded; or             passenger is delayed or cancelled; or

2. refuse to pay any claim; or                    2. for as long as medically necessary where
                                                  you are claiming for emergency medical
3. not pay any claim in full.                     treatment under this policy.

If you are in any doubt about Information         Automatic termination of cover
or Changes we need to know about,                 All cover under this policy will cease
please contact us.                                automatically if:

Amendments to your cover                          1. The HSBC Insurance Aspects holder:
You may be able to upgrade from the
standard cover for the extensions shown           ®® closes the qualifying account;
below. To check if this is possible please        ®® cancels HSBC Insurance Aspects;
call the Upgrade Helpline number shown            ®® reaches 70 years of age (on joint
on page 4 before you travel for further              accounts cover continues for other
information and a quotation.                         eligible HSBC Insurance Aspects
                                                     holders until they reach 70 years of age);
®® Extended trip duration – you may be
                                                  ®® is no longer a UK resident;
    able to extend an individual trip from the
    standard 31 days up to a maximum of           ®® is believed to be or reasonably suspected
    120 days.                                        by us to be acting fraudulently.
®® Golfing cover – cover for loss, damage        2. HSBC cancels HSBC Insurance Aspects
    or theft of your clubs, and pre-booked        under one of the reasons set out in the
    green fees if you are ill/injured.            HSBC Insurance Aspects terms and

If an insured person is on a trip at the          consequence has been contributed to by
time an automatic termination event occurs,       any other cause or event:
all cover will cease when the trip ends.
                                                  (a) War, invasion, act of foreign enemy,
Your cancellation rights                          hostilities or a warlike operation or
This policy will remain in force subject          operations (whether war be declared
to the automatic termination of cover             or not), civil war, rebellion, revolution,
section above. To cancel this policy you          insurrection, civil commotion assuming the
must contact HSBC to cancel your HSBC             proportions of or amounting to an uprising,
Insurance Aspects.                                military or usurped power.

Note: If a joint account holder is not eligible   (b) Any action taken in controlling,
for the Travel Insurance there will be no         preventing, suppressing or in any way
refund or reduction of the fee charged for        relating to (a) above.
the HSBC Insurance Aspects.
                                                  2. Claims directly or indirectly caused by:
Use of language
Unless otherwise agreed, the contractual          (a) Ionising radiation or contamination by
terms and conditions and other information        radioactivity from any nuclear fuel or from
relating to this policy will be in English.       any nuclear waste from burning nuclear
                                                  fuel; or
Choice of law
The law of England and Wales will apply to        (b) The radioactive, toxic, explosive or other
this policy unless:                               hazardous properties of any explosive
                                                  nuclear assembly or part of an assembly; or
1. Y
    ou and the insurer agree otherwise; or
                                                  (c) Pressure waves caused by aircraft and
2. At the date of the contract the HSBC           other aerial devices travelling at sonic or
Insurance Aspects holder is a resident of         supersonic speeds.
Scotland, Northern Ireland, Channel Islands
or the Isle of Man in which case (in the          3. Any claim for your death, injury, illness or
absence of agreement to the contrary) the         disability resulting from:
law of that country will apply.
                                                  (a) Your suicide or attempted suicide; or
General Exclusions and Conditions
(These apply to the whole of                      (b) Your misuse of alcohol or drugs or your
your policy)                                      consumption of alcohol or drugs (other than
                                                  drugs taken under medical supervision and
General Exclusions                                not for treating alcohol or drug addiction)
This policy does not cover the following:         to an extent which causes immediate or
                                                  long-term physical or mental impairment,
1. Any consequence whatsoever which is            including impairment to your judgement
the direct or indirect result of any of the       causing you to take action you would not
following, or anything connected with             normally have taken; or
any of the following, whether or not such

(c) Any exacerbation of an accepted               (c) you driving or being a passenger in
medical condition caused by your misuse           any motorised vehicle unless you have
of alcohol or drugs.                              complied with all laws applying to use of
                                                  that vehicle in the country you are visiting,
4. Any claim where during the trip, you           for example you must wear a seatbelt
deliberately put yourself at risk of death,       where this is required by law;
injury, illness or disability (unless your life
is in danger or you were trying to save           (d) your involvement in paid or unpaid
human life).                                      manual work or physical labour of any kind,
                                                  other than charity and conservation work
5. Any loss that is not specifically described    (see further limitations in the Your Activities
in the stated terms and conditions, e.g. we       section);
will not pay for loss of earnings if you are
unable to return to work due to illness or        (e) business travel if your job is not wholly
injury during your trip, or any payment           an office based role and your trip involves
which you would normally have made                dealing with members of the public or any
during your travels.                              tasks other than clerical or administrative
6. Any incident which happens after the
trip duration limit has been reached.             (f) you taking part in an activity which is
                                                  shown as excluded in the Your Activities
7. Any claim for an incident which happens        section;
during a trip that results from:
                                                  (g) you taking part in exploration or
(a) you riding or being carried as a              scientific expeditions or being a crew
passenger on a scooter, moped or                  member on a vessel travelling from one
motorcycle:                                       country to another;

i. 125cc or under, unless you wear a crash        (h) you climbing on to, on top of, or
helmet and, as a rider, you are fully             jumping from any balcony railing, ledge
licensed to use such a vehicle in the UK;         or wall, or climbing or moving across any
                                                  external part of a building or vehicle not
ii. over 125cc, unless this is your mode          specifically designed for that purpose.
of transport from the UK and you wear a
crash helmet and appropriate protective           8. Any claim resulting from a tropical
clothing. As a rider you must be fully            disease where you have not had the
licensed and insured to use this vehicle in       recommended inoculations and/or taken the
the UK. There is no cover for trips taken         recommended medication.
outside of Europe.

(b) you driving any motorised vehicle,
unless you are fully licensed to drive
such a vehicle in the UK;

9. Any claim for:                                 2. You must be registered with a doctor in
                                                  the UK to be covered for any emergency
(a) management fees, maintenance                  medical claims or claims for cancellation
costs or exchange fees, unused travel or          or coming home early due to medical
accommodation arranged by using air               emergencies.
miles, loyalty or points based schemes,
timeshares or similar promotions;                 3. You must have taken reasonable care
                                                  to provide complete and accurate answers
(b) costs where these are recoverable from        to the questions asked when you opened
your travel or accommodation provider;            HSBC Insurance Aspects and before you
                                                  book a trip or travel make sure that you
(c) costs you have paid on behalf of              have told us about any medical conditions
persons not insured under this policy;            as detailed in the Your Health section on
                                                  page 20.
(d) administration costs charged by your
travel and/or accommodation provider in           Please note that if you fail to tell the
respect of obtaining a refund for unused          insurer about any medical conditions this
travel and accommodation.                         could invalidate this policy and could
                                                  mean that part or all of a claim may not be
10. Any claim because you do not feel like
                                                  paid. It is therefore very important that you
travelling, or you are not enjoying your trip.
                                                  read the Your Health section in this booklet.
11. Any claim caused by an event for which
                                                  If the information provided by you is not
the dates had been publicly announced
                                                  complete and accurate, we may amend
and/or reported by the media at the time
                                                  the medical underwriting decision(s) for any
of opening HSBC Insurance Aspects or
                                                  declared pre-existing condition(s) which
booking your trip (whichever is later), e.g.
                                                  may result in an accepted condition being
strike, airport closure or flight cancellation.
                                                  excluded, or refuse to pay any claim, or not
12. You must report any loss or theft to          pay any claim in full.
the police as soon as reasonably possible
                                                  If you fail to notify us of any changes to
following discovery, and get a written report
                                                  your health before a trip (as required in the
(where it is not possible to obtain a police
                                                  Your Health section of this booklet) this
report you must provide other independent
                                                  could result in a previously accepted
proof of the loss or theft, such as a letter
                                                  medical condition being excluded.
from your transport company, hotel, or
resort management).                               4. Our right to cancel:
                                                  HSBC may cancel this policy on our
General Conditions
                                                  behalf by sending at least 30 days written
1. The HSBC Insurance Aspects holder
                                                  notice to your last known postal and/or
must have a qualifying account.
                                                  email address setting out the reason for

Valid reasons include, but are not limited to,   6. You must take all reasonable precautions
the following:                                   to protect yourself and your property
                                                 against any accident, injury, theft, loss or
(a) where we reasonably suspect fraud;           damage. You must take the same level of
                                                 care as you would if you did not have
(b) where you fail to co-operate with            this policy.
us or provide us with information or
documentation we reasonably require and          7. If we make a payment before cover is
this affects our ability to assess a claim       confirmed and our claims investigation
or defend our interests. See the General         reveals that no cover exists under the terms
Conditions 8, 9, and 11 below;                   of this policy, you must pay us back any
                                                 amount we have paid, which you are not
(c) where you have not taken reasonable          covered for.
care to provide complete and accurate
answers to the questions we ask as               8. You must tell us as soon as possible
required in the ‘information and changes         after becoming aware of any circumstances
we need to know about’ section in this           which may lead to a claim under this
policy booklet and General Condition 3;          policy. You must also tell us if you are
                                                 aware of any legal proceedings, summons
(d) where HSBC decide to offer this policy       or prosecution. You must send us every
through an alternative provider as provided      communication relating to a claim as soon
for in General Condition 17.                     as reasonably possible.
HSBC may also cancel this policy in              9. You, or any person acting for you, must
accordance with the HSBC Insurance               not negotiate, admit or reject any claim
Aspects Terms and Conditions. Please refer       without our permission in writing.
to this document for further details.
                                                 10. We may refuse to pay any expenses for
5. Claims fraud:                                 which you cannot provide receipts or bills.
In order to prevent and detect fraud
HSBC and the insurer may at any time             11. You or your legal representative must
share information about you with other           pay for any certificates, information and
organisations and public bodies including        evidence, which we may need. When there
the police. You should show these notices        is a claim for injury or illness, we may ask
to anyone who has an interest in this policy.    for, and will pay for, any insured person to
                                                 be medically examined on our behalf.
If your claim is in any way dishonest or
exaggerated we will not pay any costs or         12. If, at the time of an incident which
benefits under this policy and we may            results in a claim under this policy, there is
cancel your insurance immediately and            any other insurance covering the same loss,
backdate the cancellation to the date of         damage, expense or liability, we are entitled
the fraudulent claim. We may also report         to approach that insurer for a contribution
you to the police and/or take legal action       towards the claim, and will only pay our
against you.                                     share. This condition does not apply to

the Accidental Death and Permanent             When doing so we will only consider one or
Injury benefit or Medical Inconvenience        more of the following:
benefit under the Emergency Medical and
Associated Expenses section.                   (a) our experience and expectations of the
                                               cost of providing this product and/or other
13. We are entitled to take over and carry     Aviva products of a similar nature;
out in your name the defence or settlement
of any legal action. We may also take          (b) information reasonably available to
proceedings at our own expense and for         us on the actual and expected claims
our own benefit, but in your name, to          experience of insurers of similar products;
recover any payment we have made under
this policy to anyone else.                    (c) widely available economic information
                                               such as inflation rates and exchange rates.
14. If you make a medical claim you
may be asked to provide consent to             Additionally, we can, at any time and after
enable us to access your medical records.      taking a fair and reasonable view, make
This will help the treating doctors, and us,   changes to the terms and conditions of
to provide you with the most appropriate       this policy:
treatment and assess whether cover
                                               (a) to reflect changes (affecting us or
applies. If you do not agree to provide
                                               this policy) in the law or regulation or
this we will not deal with your claim.
                                               the interpretation of law or regulation,
15. Following the expiry of your statutory     or changes in taxation;
cooling off period (14 days commencing
                                               (b) to reflect decisions or recommendations
on the date you take out the account or
                                               of an Ombudsman, regulator or similar
the date on which you receive the policy
                                               person, or any code of practice, with which
documents (whichever is the later)), you
                                               we intend to comply;
continue to have the right to cancel this
policy at any time by contacting HSBC, but     (c) in order to make this policy clearer and
no refund of any fees payable in respect of    fairer to you or to rectify any mistakes that
HSBC Insurance Aspects will be available.      may be discovered in due course.

16. We can, at any time and after taking a     Changes (together with the reasons for
fair and reasonable view, but no more than     such changes) will be notified to you in
once in any 6 month period make changes        writing at least 30 days in advance.
to the terms and conditions of this policy,
to reflect changes in our expectations of      17. HSBC may cancel this policy on our
the future likely cost of providing cover.     behalf and may offer cover with another
Policy cover may increase or decrease, but     provider. If this happens HSBC will contact
the changes will not be made for the sake      you by sending 30 days’ notice to your last
of recouping past losses.                      known postal and/or email address.

Your health –                                  When do you need to tell us?
                                               ®® Before booking any trip
cover and exclusions                           If you wish us to consider covering medical
for medical conditions                         conditions you have that are not shown
                                               on the ‘Accepted conditions’ list, you need
Please read this section carefully             to contact us before booking any trip.
This policy is not a general health or
private medical insurance policy and will      When you call us, we will assess your
only cover sudden and unexpected illness       medical condition(s) and tell you whether
or accidents.                                  or not we are able to cover the condition(s).

Medical Condition means:                       ®® After booking a trip but before
Any illness, disease or injury that you have
had in the 12 months prior to booking a        If after the trip has been booked you
trip(s) where you have:                        are referred to a specialist/consultant or
                                               admitted to hospital, you will be covered for
®® been prescribed medication and/or           cancellation of your trip.
®® received or are awaiting, medical
   treatment, tests or investigations and/or   If you still wish to travel you must call us
®® been referred to, or had follow up with a   and we will tell you if we are able to cover
   specialist and/or                           your medical condition(s) during the trip.
                                               If we are unable to cover your medical
®® been admitted to hospital or had surgery.
                                               condition(s) but you still wish to go on the
What do you need to tell us?                   trip, we will not cover any claim relating to
If an insured person has any medical           that condition.
condition other than those shown as an
                                               If you booked your trip before opening
‘Accepted condition’ on page 21 and you
                                               your account, you should call us as soon
wish us to consider covering the medical
                                               as possible to find out if your medical
condition(s), you need to call us on
                                               condition(s) can be covered for the pre
08000 517 142.
                                               booked trip.
Please note – medical conditions are not
                                               Accepted conditions
covered by this policy unless:
                                               If these are the only medical conditions
®® you only have ‘Accepted conditions’         you have and none of the restrictions or the
   shown on page 21; or                        Health exclusions listed below apply, you
®® we have been told about them and have       will be automatically covered by this policy
   confirmed in writing that they have been    and we do not need to know about them.

However, if you have a medical condition        ®® Irritable bowel syndrome (IBS)
that is not on the list, or the restrictions/   ®® Joint replacement
exclusions apply to you, you must tell us       ®® Macular degeneration
about all medical conditions you have,          ®® Migraine (confirmed diagnosis, no
including any shown on the list below.             ongoing investigation)
If you are in any doubt please call us on       ®® Minor infections (treated with no more
08000 517 142.                                     than one course of antibiotics)
                                                ®® Osteoporosis
®® Allergy/Anaphylaxis (no hospital             ®® Peptic ulcer
   admissions in last two years)                ®® Polymyalgia rheumatica
®® Arthritis (no back or neck problems)         ®® Psoriasis
®® Asthma (no nebulisers or oxygen at           ®® Retinopathy (not a link to diabetes)
   home and no hospital admissions in the       ®® Sinusitis
   last 12 months)
                                                ®® Soft tissue injury/tendon injury/sprain
®® Benign prostatic enlargement
                                                ®® Tinnitus
®® Broken bone/fracture (not head or spine)
                                                ®® Tonsillitis
®® Cataracts
                                                ®® Vertigo
®® Chicken pox
®® Constipation                                 Health exclusions
®® Common cold/influenza                        1. There is no cover for any claim arising
®® Cystitis                                     directly or indirectly from the following:
®® Diabetes (no complications for example
                                                (a) Any medical condition unless it is
   retinal, kidney or nerve damage)
                                                shown as an ‘Accepted condition’ or we
®® Diarrhoea and/or vomiting                    have been told about it and we have
®® Dislocated joint following a knee/hip        accepted it in writing.
®® Eczema/dermatitis                            (b) Any symptoms that you were aware of,
®® Essential tremor                             prior to booking a trip, for which you have
®® Fungal nail infection                        sought but not yet received a diagnosis for.
®® Gastric reflux
                                                (c) Any medical condition for which you
®® Glaucoma                                     were on a waiting list, or aware of the
®® Gout                                         need for, surgery, in-patient treatment or
®® Haemorrhoids                                 investigation at a hospital, clinic or nursing
®® Hayfever                                     home.
®® Hernia
                                                (d) Any medical condition for which you
®® High/low blood pressure
                                                were not taking the medication prescribed
®® High cholesterol
                                                to you.
®® Hypothyroidism (underactive thyroid)
®® Impetigo

(e) Travelling against the advice of a doctor
or purposely travelling without medical
                                                On your trip
advice when it was reasonable for you to
                                                Cancelling or coming home early
have consulted a doctor.
                                                If you unavoidably have to cancel your trip
                                                or come home early, we will pay for the
(f) Travelling with the intention of seeking
medical treatment.
                                                ®® non recoverable costs that each insured
European Health Insurance Card (EHIC)
                                                   person has paid, or legally has to pay for
(Residents of England, Scotland, Wales
                                                   their own unused personal travel and/or
and Northern Ireland only)
                                                   accommodation. This also includes the
If you are travelling to countries in the
                                                   cost of pre-paid excursions; and/or
European Union, Iceland, Liechtenstein,
Norway or Switzerland we strongly advise        ®® additional travel costs (if you cannot
that you take an EHIC with you. You can            use your return ticket), and/or
obtain information or apply online at              accommodation costs (of a similar and search for Healthcare abroad.           standard you had booked for your
The EHIC is free and should be completed           trip) necessary to allow you to come
and validated before you travel.                   home early.

This will allow you to benefit from the         The most we will pay for each insured
reciprocal health arrangements which exist      person is:
with these countries. You should take
                                                ®® £5,000 for personal travel and
reasonable steps to use these arrangements
                                                   accommodation costs;
where possible.
                                                ®® £250 for excursions.
(Residents of England, Wales, Scotland          If you are unable to recover these costs
and Northern Ireland only)                      from the provider.
If you require medical treatment in
                                                If one of the following occurs:
Australia, you must enrol with a local
Medicare office. You do not need to enrol       1. you are injured, fall ill, are quarantined
on arrival but you must do this after the       or die.
first occasion you receive treatment.
In-patient and out-patient treatment at         2. a close relative, close business
a public hospital is then free of charge.       colleague, or the person you were going
Details of how to enrol and the free            to stay with is seriously injured, falls
treatment available can be found at             seriously ill or dies. by searching
for Medicare forms.                             3. your home is badly damaged by
                                                explosion, fire, landslide, flood or severe/
                                                adverse weather.

4. the police need to speak to you because       (c) your accommodation is directly affected
your home or place of work has been              by a food poisoning outbreak, or the area
burgled.                                         in which you are staying is affected by
                                                 pandemic or epidemic influenza;
5. severe/adverse weather prevents you
from leaving your home, reaching your            (d) a major incident such as a terrorist
point of international departure or your         attack happens within a 50 mile radius of
pre-booked holiday accommodation in              the area in which you will be/are staying
the UK.                                          and you do not wish to travel or you wish
                                                 to return home early.
6. delay or cancellation of your pre-booked
transport prevents you from leaving the UK       9. your transport operator, accommodation
on your outward journey, and the carrier         provider or their booking agents become
or their handling agent is unable to provide     insolvent.
suitable alternative travel arrangements
within 24 hours of the date and time of the      10. you are denied boarding because there
scheduled departure as shown on your             are too many passengers for the seats
ticket/itinerary.                                available and no suitable alternative flight
                                                 could be provided within 12 hours.
7. you are a member of the Armed Forces,
Police, Ambulance, Fire, Nursing Services or     You can also cancel your trip if one of the
an employee of a Government Department           following occurs:
and authorised leave is cancelled due to an
unexpected posting or a major incident in        (a) you are made redundant;
the UK.
                                                 (b) you are called for jury service or as a
8. you are prevented from travelling within      witness in a court of law during your trip.
31 days of your scheduled departure date
                                                 You will also be covered if your travelling
or have to come home early because:
                                                 companion has to cancel the trip or come
(a) an avalanche, earthquake, explosion,         home early for one of the reasons listed
fire, landslide, flood or severe/adverse         above.
weather renders your accommodation
                                                 Special Conditions
uninhabitable or unreachable;
                                                 (a) All claims resulting from illness, injury,
(b) a Foreign and Commonwealth Office            quarantine or death must be supported
advisory notice is in place advising against     by medical reports, or a death certificate
all travel or all but essential travel to your   (or both). Medical reports must be obtained
destination or, the FCO are advising British     at the time of the incident and indicate
citizens to leave the area in which you          the necessity to cancel the trip or come
are staying.                                     home early.

Or you choose not to travel or continue
your trip because:
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