AXA Travel Insurance Policy booklet - November 2011
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AXA Travel
Insurance
Policy booklet
November 2011
F
33418_ACPD0203PB_POL.indd 1 25/01/12 7:47 PMContents
Policy summary – travel insurance 3 P
Introduction 8
Definitions 9
General conditions applicable to the whole policy 12 Th
ins
Claims conditions 13
Th
Important conditions relating to health 15
What is not covered – applicable to all sections of the policy 16
Sports and activities covered 17 Ty
Emergency and medical service 19 Tra
Reciprocal health agreements with other countries 19 Va
wil
Sections of cover
Ag
Section A – Cancellation or curtailment charges 20
Th
Section B – Emergency medical and other expenses 22
Section C – Hospital benefit 25 Co
Section D – Personal accident 26 1
Section E – Baggage 27
Section F – Personal money, passport and documents 29 2
Section G – Personal liability 30
Section H – Delayed departure 31 Sp
Section I – Missed departure 33 po
Section J – Legal expenses and assistance 35 Sig
Making a complaint 36 1
Important telephone numbers 38
2
S
2
33418_ACPD0203PB_POL.indd 2 25/01/12 7:47 PM3 Policy summary – AXA Travel Insurance
8
9
12 This policy summary does not contain full details and conditions of your
insurance – these are located in your policy wording.
13
This insurance is underwritten by AXA Insurance UK plc.
15
16
17 Type of insurance and cover
19 Travel insurance for single trips only.
19 Various optional covers may also be included – your booking confirmation
will show if you selected these options.
Age eligibility
20
This policy is not available to anyone aged 86 or over.
22
25 Conditions
26 1 It is essential that you refer to the important conditions relating
to health in the policy wording, as failure to comply with these
27 conditions may jeopardise your claim or cover.
29 2 If you are travelling to Australia and you require medical treatment you
30 must enrol with a local Medicare office.
31 Special conditions apply to each section of your policy – Please refer to the
33 policy wording for full details.
35 Significant features and benefits
36 1 War risks, civil commotion and terrorism – cover for these events is
38 provided under Section B – Emergency medical and other expenses,
Section C – Hospital benefit and Section D – Personal accident
(unless caused by nuclear, chemical or biological attack) – Please see
paragraph 1. in the What is not covered – applicable to all sections of
the policy in the policy wording for full details.
2 The table shows the maximum benefits you can claim for each insured
person after the deduction of the policy excess (unless otherwise
stated). Some sections are optional and these are marked* – your
booking confirmation will show if you selected any of these options.
Section Title Limit Excess
A Cancellation or curtailment £750 £100
charges
B Emergency medical and other £2,000,000 £100
expenses
Emergency dental treatment £150 £100
Funeral expenses abroad £1,500 £100
Mountain rescue £30,000 £100
C Hospital benefit £200 (£20 per Nil
day)
D Personal accident £5,000 (subject Nil
to age)
3
33418_ACPD0203PB_POL.indd 3 25/01/12 7:47 PMPolicy summary – AXA Travel Insurance continued Po
Sig
Section Title Limit Excess
1
E* Baggage £1,000 £100
2
Single article limit £150 £100
Wh
Total for all valuables £250 £100 1
Emergency replacement of £100 (if not Nil
baggage returned within
12 hours) 2
F Personal money, passport and £100 cash £100
documents (£50 if under 3
16) and £150
other money and 4
documents 5
6
Passport £150 £100 7
G Personal liability £2,000,000 £150
Wh
H Delayed departure £100 (£10 Nil
after 12 hours 1
and £10 per
12 hours delay
thereafter)
2
H Abandonment of trip £750 (after 12 £100
hours delay)
3
I Missed departure £300 £100
Wh
J Legal expenses and assistance £5,000 £100 oth
1
2
3
Wh
1
Wh
1
2
3
4
4
33418_ACPD0203PB_POL.indd 4 25/01/12 7:47 PMPolicy summary – AXA Travel Insurance continued
Significant or unusual limitations or what is not covered
ss
1 The standard excesses and any increased amount you have agreed to
pay will be shown within your policy wording.
0
2 Any trip that has already begun when you purchase this insurance will
0 not be covered.
What is not covered applicable to all sections of the policy
0 1 War risks, civil commotion, terrorism, (except under Section B –
Emergency medical and other expenses, Section C – Hospital benefit
and Section D – Personal accident unless caused by nuclear, chemical
or biological attack), sonic bangs, radioactive contamination.
2 There are a number of sports, activities and winter sports that are not
covered – Please see paragraphs 4, 5 and 6 in the What is not covered
0 – applicable to all sections of the policy in the policy wording.
3 Climbing on or jumping from vehicles, buildings or balconies
regardless of the height.
4 Wilful, self inflicted injury, suicide, drug use or solvent abuse.
5 You drinking too much alcohol resulting in a claim.
6 Unlawful actions and any criminal proceedings brought against you.
0 7 Travel to a country, specific area or event which the Travel Advice Unit
of the Foreign and Commonwealth Office (FCO) has advised against all
0 travel or all but essential travel.
What is not covered under Section A – Cancellation or curtailment charges
1 Misconduct leading to dismissal, resignation, voluntary redundancy,
entering into a compromise agreement or where you received a
warning or notification of redundancy before you purchased this
insurance or at the time of booking any trip.
2 Any circumstances known to you before you purchased this insurance
or at the time of booking any trip that could reasonably be expected to
0 result in a claim.
3 Claims arising directly or indirectly from volcanic eruptions and/or
volcanic ash clouds.
0
What is not covered under Section B – Emergency medical and
0 other expenses
1 Treatment or surgery which in the opinion of AXA Assistance, can wait
until your return to your home area.
2 Medication, which prior to departure is known to be required.
3 Expenses incurred as a result of a tropical disease where you have
not had the NHS recommended inoculations and/or taken the NHS
recommended medication.
What is not covered under Section C – Hospital benefit
1 Hospitalisation, compulsory quarantine or confinement to your
accommodation as a result of a tropical disease where you have
not had the NHS recommended inoculations and/or taken the NHS
recommended medication.
What is not covered under Section E – Baggage
1 Valuables left unattended at any time unless in a hotel safe, safety
deposit box or in your locked accommodation.
2 Baggage contained in an unattended vehicle between 9 pm and 9 am
(or at any time between 9 am and 9 pm unless it is locked out of sight
in a secure baggage area) – Please see the definition of secure baggage
area in the Definitions in the policy wording.
3 Contact or corneal lenses, hearing aids, dental or medical fittings, ski
equipment, golf equipment and other items are excluded – See your
policy wording for the full list.
4 Business goods, samples or tools used in connection with
your occupation.
5
33418_ACPD0203PB_POL.indd 5 25/01/12 7:47 PMPolicy summary – AXA Travel Insurance continued Po
What is not covered under Section F – Personal money, passport Fin
and documents We
1 Personal money or your passport or visa left unattended at any time unless Yo
in a hotel safe, safety deposit box or in your locked accommodation. eve
2 Loss or theft of traveller’s cheques where you have not complied ins
with the issuing agents conditions. the
(ww
What is not covered under Section G – Personal liability
1 Pursuit of any trade, business or profession, or the ownership, possession
or use of mechanically propelled vehicles, aircraft or watercraft.
What is not covered under Section H – Delayed departure
1 Strike or industrial action existing or being publicly announced by the
date you purchased this insurance or at the time of booking any trip.
2 Claims arising directly or indirectly from volcanic eruptions and/or
volcanic ash clouds.
3 Any costs incurred by you which are recoverable from the public transport
operator or for which you receive or are expected to receive compensation,
damages, refund of tickets, meals, refreshments, accommodation,
transfers, communication facilities or other assistance.
4 Any travel and accommodation costs, charges and expenses where
the public transport operator has offered reasonable alternative
travel arrangements.
What is not covered under Section I – Missed departure
1 Strike or industrial action existing or being publicly announced by the
date you purchased this insurance or at the time of booking any trip.
2 Your failure to arrive at the departure point in time to board any
connecting public transport after your departure on the initial
international outbound and return legs of the trip.
3 Claims arising directly or indirectly from volcanic eruptions and/or
volcanic ash clouds.
Duration
This policy is for a single trip
Cancellation period
You are free to cancel this policy at any time. If you wish to cancel within
14 days of receipt of the policy documents, you may do so by contacting
the agent from which you purchased the policy providing you have not
travelled and no claim has been made. If you cancel after the first 14 days
of receipt of the documents, no premium refund will be made. See General
conditions applicable to the whole policy in the policy wording for full details.
Claim notification
To make a claim contact 0845 366 2217 (except for Legal expenses
where you should contact 0845 366 2214).
Making a complaint
Any complaint you may have should in the first instance be addressed to
the claim office or agent from which you purchased the policy as applicable.
If you are not satisfied with the way in which your complaint has been dealt
with, you should write to the Customer Care Department of AXA Insurance.
If the complaint is still not resolved, you can approach the Financial
Ombudsman Service. Referral to the Financial Ombudsman will not affect
your right to take legal action.
Full details of addresses and contact numbers can be found within the
Making a complaint section of the policy wording.
6
33418_ACPD0203PB_POL.indd 6 25/01/12 7:47 PMPolicy summary – AXA Travel Insurance continued
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS).
ss You may be entitled to compensation from the scheme in the unlikely
event we cannot meet our obligations to you. This depends on the type of
insurance and the circumstances of the claim. Further information about
the compensation scheme arrangements is available from the FSCS
(www.fscs.org.uk).
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7
33418_ACPD0203PB_POL.indd 7 25/01/12 7:47 PMIntroduction D
This is your travel insurance policy. It contains details of what is covered, Th
conditions and what is not covered, for each insured person and is the wh
basis on which all claims will be settled. It is validated by the issue of the ha
booking confirmation which we recommend be kept with the policy. the
In return for having accepted your premium we will in the event of bodily Ba
injury, death, illness, disease, loss, theft, damage, legal liability or me
other specified events happening within the period of insurance provide (bu
insurance in accordance with the operative sections of your policy as to
referred to in your booking confirmation. ca
The booking confirmation and any endorsements are all part of the policy.
Bo
Your policy is evidence of the contract of insurance.
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United Kingdom residents ext
This policy is only available to you if you are permanently resident in the exp
United Kingdom and registered with a medical practitioner in the
Clo
United Kingdom.
me
The law which applies to this policy co
You and we can choose the law which applies to this policy. We propose co
that English Law applies. Unless we and you agree otherwise English law
Clo
will apply to this policy.
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Age eligibility da
This policy is not available to anyone aged 86 or over. da
Policy excess sis
Under most sections of the policy, claims will be subject to an excess. This fia
means that you will be responsible for paying the first part of each and Cu
every claim per incident claimed for, under each section by each insured me
person, unless you have paid the additional premium to waive the excess 1
as stated in the booking confirmation.
Helplines
Please carry this policy with you in case of an emergency. Details of the
claims helplines can be found in the Claims conditions on page 14. 2
Policy information
If you would like more information or if you feel the insurance may not
meet your needs, contact the agent from which you purchased the policy.
AXA Insurance
AXA Insurance UK plc is authorised and regulated by the Financial Services
Authority. FSA number 202312. This can be checked on the FSA’s register by
visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them Fa
on 0845 606 1234.
me
Data Protection Act Notice chi
To set up and administer your policy we will hold and use information about leg
you supplied by you and by medical providers. We may send it in confidence de
for processing to other companies acting on our instructions including those the
located outside the European Economic Area. Ho
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8
33418_ACPD0203PB_POL.indd 8 25/01/12 7:47 PMDefinitions
, These definitions apply throughout your policy booklet. Where we explain
what a word means that word will appear highlighted in bold print and
e have the same meaning wherever it is used in the policy. We have listed
the definitions alphabetically.
Baggage
means luggage, clothing, personal effects, valuables and other articles
(but excluding personal money and documents of any kind) which belong
to you (or for which you are legally responsible) which are worn, used or
carried by you during any trip.
Bodily injury
means an identifiable physical injury caused by sudden, unexpected,
external and visible means including injury as a result of unavoidable
e exposure to the elements.
Close business associate
means any person whose absence from business for one or more
complete days at the same time as your absence prevents the proper
continuation of that business.
w
Close relative
means mother, father, sister, brother, wife, husband, civil partner,
daughter, son, grandparent, grandchild, parent-in-law, son-in-law,
daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step
sister, step brother, foster child, legal guardian, domestic partner or
his fiancé/fiancée.
Curtailment/Curtail/Curtailed
means either:
s 1 abandoning or cutting short the trip by direct early return to your home
area, in which case claims will be calculated from the day you returned
to your home area and based on the number of complete days of your
trip you have not used, or
2 by attending a hospital outside your home area as an in-patient or
being confined to your accommodation abroad due to compulsory
quarantine or on the orders of a medical practitioner, in either case
for a period in excess of 48 hours. Claims will be calculated from
y.
the day the ill/injured person was admitted to hospital or confined
to your accommodation and based on the number of complete days
for which you were hospitalised, quarantined or confined to your
y accommodation. Cover only applies to ill/injured persons.
Family cover
means up to two adults and up to four of their children, grandchildren, step
children or foster children aged under 18, accompanying the parents or
ut legal guardian insured on the same policy travelling on any trip to the same
ce destination. The children are only insured when travelling with one or both of
se the insured adults, (or accompanied by another responsible adult).
Home
means your normal place of residence in the United Kingdom.
Home area
For residents of the United Kingdom excluding Channel Islands and the
Isle of Man, your home area means the United Kingdom excluding Channel
Islands and the Isle of Man. For residents of the Channel Islands and the
Isle of Man, your home area means either the particular Channel Island on
which you live or the Isle of Man depending on where your home is.
Insured Person
See definition of You/Your/Yourself/Insured person.
Medical condition
means any disease, illness or injury.
9
33418_ACPD0203PB_POL.indd 9 25/01/12 7:47 PMDefinitions continued De
Medical practitioner Te
means a registered practising member of the medical profession me
recognised by the law of the country where they are practising, who is not an
related to you or any person who you are travelling with. ac
go
Period of insurance
pu
means the period of the trip and terminating upon its completion, but not pu
in any case exceeding the period shown in your booking confirmation.
Under these policies Section A – Cancellation cover will be operative from Tri
the time you pay the premium. me
For all other sections of the policy, the insurance starts when you leave wit
your home or for a business trip your place of business (whichever is the bo
later) to start the trip and ends at the time of your return to your home or of
place of business (whichever is the earlier) on completion of the trip. trip
co
However any trip that had already begun when you purchased this insurance
Ho
will not be covered.
wil
The period of insurance is automatically extended for the period of the delay in
the event that your return to your home area is unavoidably delayed due to an Un
event insured by this policy. me
un
Personal money
Un
means bank notes, currency notes and coins in current use, travellers’
and other cheques, postal or money orders, pre-paid coupons or vouchers, me
travel tickets, event and entertainment tickets, phonecards, money cards the
and credit/debit or pre-pay charge cards all held for private purposes. Va
Pre-existing medical condition me
sto
means:
na
1 Any respiratory condition (relating to the lungs or breathing), tel
heart condition, stroke, Crohn’s disease, epilepsy or cancer for CD
which you have ever received treatment (including surgery, tests co
or investigations by your doctor or a consultant/specialist and
prescribed drugs or medication). We
2 Any medical condition for which you have received surgery, in-patient me
treatment or investigations in a hospital or clinic within the last Re
twelve months. Yo
3 Any medical condition for which you are taking prescribed drugs me
or medication. ins
Public transport
means any publicly licensed aircraft, sea vessel, train, coach or bus on
which you are booked or had planned to travel.
Secure baggage area
means any of the following, as and where appropriate:
1 The locked dashboard, boot or luggage compartment of a motor vehicle
2 The locked luggage compartment of a hatchback vehicle fitted with
a lid closing off the luggage area, or of an estate car with a fitted and
engaged tray or roller blind cover behind the rear seats
3 The fixed storage units of a locked motorised or towed caravan
4 A locked luggage box, locked to a roof rack which is itself locked to the
vehicle roof.
10
33418_ACPD0203PB_POL.indd 10 25/01/12 7:47 PMDefinitions continued
Terrorism
means an act, including but not limited to the use of force or violence
t and/or the threat thereof, of any person or group(s) of persons, whether
acting alone or on behalf of or in connection with any organisation(s) or
governments, committed for political, religious, ideological or similar
purposes including the intention to influence any government and/or to
t put the public, or any section of the public, in fear.
m Trip
means any holiday, business or pleasure trip or journey made by you
within the area of travel shown in the insurance details contained in your
e booking confirmation which begins and ends in your home area or place
of business during the period of insurance, but with cover for one way
trips or journeys ceasing 12 hours after you first leave the immigration
control of the country in which your final destination is situated.
ce
However any trip that had already begun when you purchased this insurance
will not be covered.
y in
an Unattended
means when you are not in full view of and not in a position to prevent
unauthorised interference with your property or vehicle.
United Kingdom
rs, means England, Scotland, Wales, Northern Ireland, the Isle of Man and
s the Channel Islands.
Valuables
means jewellery, gold, silver, precious metal or precious or semiprecious
stone articles, watches, furs, cameras, camcorders, portable satellite
navigation systems, photographic, audio, video, computer, television and
telecommunications equipment (including mobile phones, MP3/4 players,
CD’s, DVD’s, tapes, films, cassettes, cartridges and headphones),
computer games and associated equipment, telescopes and binoculars.
We/Us/Our
nt means AXA Insurance UK plc. Registered in England No. 78950.
Registered Office: 5 Old Broad Street, London, EC2N 1AD.
You/Your/Yourself/Insured person
means each person travelling on a trip whose name appears in the
insurance details contained in your booking confirmation.
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11
33418_ACPD0203PB_POL.indd 11 25/01/12 7:47 PMGeneral conditions applicable to the C
whole policy
You must comply with the following conditions to have the full protection Yo
of your policy. of
If you do not comply we may cancel the policy or refuse to deal with your If y
claim or reduce the amount of any claim payment. cla
ph
1. Dual insurance
de
If at the time of any incident which results in a claim under this policy,
there is another insurance covering the same loss, damage, expense or 1.
liability we will not pay more than our proportional share (not applicable to
All
Section D – Personal accident).
08
2. Reasonable precautions
Le
At all times you must take all reasonable precautions to avoid injury, 08
illness, disease, loss, theft or damage and take all reasonable steps
to safeguard your property from loss or damage and to recover property Fo
lost or stolen. +4
3. Cancellation Or
Statutory cancellation rights ph
You may cancel this policy within 14 days of receipt of the policy Th
documents (new business) by contacting your original issuing agent aft
(whose contact details are shown on your booking confirmation) during red
the cancellation period. Any premium already paid will be refunded to you to
providing you have not travelled, no claim has been made or is intended to Yo
be made and no incident likely to result in a claim has occurred. or
be
Cancellation outside the statutory period
mu
You may cancel this policy at any time after the cancellation period by pe
contacting your original issuing agent (whose contact details are shown on the
your booking confirmation). If you cancel after the cancellation period no
Yo
premium refund will be made.
inf
We reserve the right to cancel the policy by providing 21 days notice by an
registered post to your last known address. No refund of premium will un
be made. ne
Non payment of premiums We
We can cancel the policy immediately by sending you written notice if you do exa
not pay the premium. mo
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3.
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12
33418_ACPD0203PB_POL.indd 12 25/01/12 7:47 PMClaims conditions
You must comply with the following conditions to have the full protection
of your policy.
If you do not comply we may cancel the policy or refuse to deal with your
claim or reduce the amount of any claim payment. You must contact us by
phone if you want to make a claim using the relevant number given below,
depending on the type of claim:
1. Claims
to
All claims except Legal expenses
0845 366 2217
Legal expenses only
0845 366 2214
For medical assistance and/or repatriation claims
+44 845 366 2215
Or if you are in a country that does not accept the above international
phone number please call +44 203 285 7998.
The claim notification must be made within 31 days or as soon as possible
after that following any bodily injury, illness, disease, incident, event,
redundancy or the discovery of any loss, theft or damage which may lead
u to a claim under this policy.
to You must also tell us if you are aware of any court claim form, summons
or impending prosecution. Every communication relating to a claim must
be sent to us as soon as possible. You or anyone acting on your behalf
must not negotiate, admit or repudiate (refuse) any claim without our
permission in writing and cooperate fully with us in our investigations into
on the circumstance of your claim.
o
You or your legal representatives must supply at your own expense, all
information, evidence, details of household insurance, proof of ownership
and medical certificates as required by us. You should refer to the section
under which you are claiming for further details of the evidence that we
need to deal with your claim.
We reserve the right to require you to undergo an independent medical
do examination at our expense. We may also request and will pay for a post
mortem examination.
You must retain any property which is damaged, and if requested, send
it to us at your own expense. If we pay a claim for the full value of the
property and it is then recovered it will then become our property.
We may refuse to reimburse you for any property which you cannot provide
proof of ownership such as an original receipt, a valuation, original user
manual or bank or credit card statements.
2. Transferring of rights
We are entitled to take over any rights in the defence or settlement of any
claim and to take proceedings in your name for our benefit against any
other party.
3. Fraud
You must not act in a fraudulent manner.
If you or anyone acting for you
1 Make a claim under the policy knowing the claim to be false or
fraudulently exaggerated in any way; or
2 Make a statement in support of a claim knowing the statement to be
false in any way; or
3 Submit a document in support of a claim knowing the document to be
forged or false in any way; or
4 Make a claim for any loss or damage caused by your wilful act or with
your connivance
13
33418_ACPD0203PB_POL.indd 13 25/01/12 7:47 PMClaims conditions continued Im
Then Yo
1 we will not pay the claim of
2 we will not pay any other claim which has been or will be made under If y
the policy cla
3 we may make the policy void from the date of the fraudulent act
4 we will be entitled to recover from you the amount of any claim already 1
paid under the policy
5 we will not refund any premium
6 we may inform the police of the circumstances.
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If y
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the
14
33418_ACPD0203PB_POL.indd 14 25/01/12 7:47 PMImportant conditions relating to health
You must comply with the following conditions to have the full protection
of your policy.
If you do not comply we may cancel the policy or refuse to deal with your
claim or reduce the amount of any claim payment.
dy 1 It is a condition of this policy that you will not be covered under Section
A – Cancellation or curtailment charges, Section B – Emergency
medical and other expenses, Section C – Hospital benefit and Section
D – Personal accident for any claims arising directly or indirectly from:
a At the time of taking out this policy:
i Any pre-existing medical condition you have unless
you have contacted AXA medical screening at www.
yourmedicalscreening.co.uk or called us on 0845 366 2216
and we have agreed in writing, to cover you
ii Any medical condition for which you have received a
terminal prognosis
iii Any medical condition you are aware of but for which you have
not had a diagnosis
iv Any medical condition for which you are on a waiting list
for or have knowledge of the need for surgery, treatment or
investigation at a hospital, clinic or nursing home
v Any medical condition affecting you, a close relative or a
close business associate that you are aware of, that could
reasonably be expected to result in a claim on this policy
unless we have agreed in writing, to cover you.
b At any time:
i Any medical condition you have which a medical practitioner
has advised you not to travel (or would have done so had you
sought his/her advice), but despite this you still travel
ii Any surgery, treatment or investigations for which you intend
to travel outside of your home area to receive (including any
expenses incurred due to the discovery of other medical
conditions during and/or complications arising from
these procedures)
iii Any medical condition for which you are not taking the
recommended treatment or prescribed medication as directed
by a medical practitioner
iv Your travel against any health requirements stipulated by the
carrier, their handling agents or any other public transport
provider.
If your health changes after the start date of your policy and the date
your travel tickets or confirmation of booking were issued, you should
telephone our customer helpline on 0845 366 2216 to make sure your
cover is not affected.
You should also refer to What is not covered – applicable to all sections of
the policy.
15
33418_ACPD0203PB_POL.indd 15 25/01/12 7:47 PMWhat is not covered – applicable to all Sp
sections of the policy
We will not pay for claims arising directly or indirectly from: 11
1. War risks, civil commotion and terrorism Op
War, invasion, acts of foreign enemies, hostilities or warlike operations fro
(whether war be declared or not), civil war, rebellion, terrorism, revolution, for
insurrection, civil commotion assuming the proportions of or amounting to 12
an uprising, military or usurped power but this exclusion shall not apply to Yo
losses under Section B – Emergency medical and other expenses, Section of
C – Hospital benefit and Section D – Personal accident unless such losses co
are caused by nuclear, chemical or biological attack, or the disturbances es
were already taking place at the beginning of any trip.
2. Radioactive contamination
Ionising radiation or contamination by radioactivity from any nuclear fuel or S
from any nuclear waste, from combustion of nuclear fuel, the radioactive,
toxic, explosive or other hazardous properties of any nuclear assembly or The
nuclear component of such assembly. wit
3. Sonic bangs ad
Loss, destruction or damage directly caused by pressure waves Se
caused by aircraft and other aerial devices travelling at sonic or pa
supersonic speeds. An
co
4. Professional sports or entertaining sa
Your participation in or practice of any professional sports or professional De
entertaining. co
5. Other sports or activities No
Your participation in or practice of any other sport or activity, manual work, ma
driving any motorised vehicle or racing unless: Sp
a specified in the list on page 18 or Arc
b shown as covered in your booking confirmation. Ba
6. Suicide, drug use or solvent abuse Ba
Ba
Your wilfully self-inflicted injury or illness, suicide or attempted suicide, Ba
sexually transmitted diseases, solvent abuse, drug use (other than drugs Be
taken in accordance with treatment prescribed and directed by a medical Bo
practitioner, but not for the treatment of drug addiction) and putting yourself Bu
at needless risk (except in an attempt to save human life). *C
7. Alcohol abuse Ca
You drinking too much alcohol or alcohol abuse where it is reasonably *C
foreseeable that such consumption could result in an impairment of your Cri
faculties and/or judgement resulting in a claim. We do not expect you to Cy
avoid alcohol on your trips or holidays, but we will not cover any claims Din
arising because you have drunk so much alcohol that your judgement is Ele
seriously affected and you need to make a claim as a result. Fe
Fe
8. Jumping from vehicles, buildings or balconies
Fis
You climbing on top of, or jumping from a vehicle or jumping from a building Fo
or balcony, or sitting, planking, owling or lying on any external part of any GA
building, or climbing or moving from any external part of any building to Go
another (apart from stairs, ramps or walkways) and falling regardless Hik
of the height, unless your life is in danger or you are attempting to save ab
human life. Ho
9. Unlawful action Ho
Your own unlawful action or any criminal proceedings against you. Jog
Ka
10. Additional loss or expense Ma
Any other loss, damage or additional expense following on from the event Mo
for which you are claiming, unless we provide cover under this insurance. Ne
Examples of such loss, damage or additional expense would be the cost of *N
replacing locks after losing keys, costs incurred in preparing a claim or loss du
of earnings following bodily injury, illness or disease. Ori
16
33418_ACPD0203PB_POL.indd 16 25/01/12 7:47 PMSports and activities covered
11. Armed Forces
Operational duties of a member of the Armed Forces (other than claims arising
from authorised leave being cancelled due to operational reasons, as provided
n, for under subsection 1.d). of Section A – Cancellation or curtailment charges).
to 12. Travelling against FCO advice
o Your travel to a country, specific area or event when the Travel Advice Unit
on of the Foreign & Commonwealth Office (FCO) or regulatory authority in a
es country to/from which you are travelling has advised against all, or all but
s essential travel.
or Sports and activities covered
,
r The following lists detail the sports and activities that this policy will cover
without charge (or can be covered when you have paid the appropriate
additional premium) under Section B – Emergency medical and other expenses,
Section D – Personal accident and Section G – Personal Liability when you are
participating on a recreational and non professional basis during any trip.
Any involvement is these sports and/or activities is subject to your
compliance with local laws and regulations and the use of recommended
safety equipment (such as helmet, harness, knee and/or elbow pads).
al Details of any other sports and activities which you have purchased
cover for will be shown in your booking confirmation.
No cover under Section G – Personal liability for those sports or activities
k, marked with *
Sports and activities covered as standard without charge
Archery
Badminton
Banana boating
Baseball (amateur)
Basketball (amateur)
Beach games
Body boarding (boogie boarding)
f Bungee jump (1 jump)
*Camel riding
Canoeing (up to grade 2)
*Clay pigeon shooting
Cricket (amateur)
Cycling / cycle touring (up to 2 days only)
Dinghy sailing
Elephant riding
Fell walking up to 2,500 metres above sea level
Fencing
Fishing
ng Football (amateur and not the main purpose of the trip)
GAA football (amateur and not the main purpose of the trip)
Golf
Hiking (without the use of any climbing equipment) up to 2,500 metres
above sea level
Horse riding (up to 2 days)
Hot air ballooning (one balloon ride)
Jogging
Kayaking (up to grade 2)
Marathon running (amateur)
Mountain biking (2 days maximum)
Netball (amateur)
f *Non manual work (including professional, administrative or clerical
s duties only)
Orienteering
17
33418_ACPD0203PB_POL.indd 17 25/01/12 7:47 PMSports and activities covered continued Em
Outwardbound pursuits Yo
*Paintballing ac
Parascending (over water) arr
Pony trekking ne
Racquetball da
Rambling ho
Ringos au
River canoeing (up to Grade 2) co
Roller blading as
Roller skating Me
Rounders
AX
Rowing
sh
Running – sprint/long distance (amateur)
arr
Safari
or
Sail boarding
clo
Sailing within territorial waters
Scuba diving down to 18 metres (up to 2 dives only) Pa
Sea canoeing/kayaking If y
Sea fishing (2 trips maximum) arr
Skate boarding to
Snorkelling co
Squash (amateur) tre
Surfing (amateur, 2 days maximum) Pa
Swimming (recreational)
Tennis (amateur) If y
Track events (amateur) bo
Trekking up to 2,500 metres above sea level AX
Volleyball (amateur) wh
Wakeboarding (amateur, 2 days maximum) ca
War games Yo
Water polo (amateur) So
Water skiing (amateur, 2 days maximum) yo
White water rafting (up to Grade 2) on
Windsurfing (amateur, 2 days maximum) to
*Yachting (racing/crewing inside territorial waters) AX
Zorbing Ins
In respect of lapland trips only, the following supervised winter Ple
sports activities: se
Ice skating cu
*Ski – dooing Or
*Sledging/sleigh riding as a passenger (pulled by dogs, horses or reindeer) ph
*Snow mobiling
Snow shoe walking
Sports and activities that can be covered if the appropriate additional Re
premium has been paid as shown in your booking confirmation
Category A sports and activities
EU
Dry slope skiing
If y
*Fencing
Eu
Hockey (amateur)
to
Kite surfing EH
Sand dune surfing or skiing Th
Street hockey (wearing pads and helmets) exi
Category B sports and activities If w
American football (amateur) be
Rugby (amateur) pri
Summer (or grass) tobogganing Em
Any sports and activities not featured on your booking confirmation or in
the list above are not covered.
18
33418_ACPD0203PB_POL.indd 18 25/01/12 7:47 PMEmergency and medical service
You must contact AXA Assistance in the event of an illness or
accident which may lead to in-patient hospital treatment or before any
arrangements are made for repatriation; or in the event of curtailment
necessitating your early return home. The service operates 24 hours a
day, 365 days a year for advice, assistance, making arrangements for
hospital admission, repatriation (returning you to your home area) and
authorisation of medical expenses. If this is not possible because the
condition requires emergency treatment you must contact AXA Assistance
as soon as possible.
Medical assistance abroad
AXA Assistance has the medical expertise, contacts and facilities to help
should you be injured in an accident or fall ill. AXA Assistance will also
arrange transport home when this is considered to be medically necessary
or when you are told about the illness or death of a close relative or a
close business associate at home.
Payment for inpatient medical treatment abroad
If you are admitted to a hospital/clinic while abroad, AXA Assistance will
arrange for medical expenses, covered by the policy, to be paid direct
to the hospital/clinic. To take advantage of this benefit someone must
contact AXA Assistance for you as soon as possible. Private medical
treatment is not covered unless authorised specifically by AXA Assistance.
Payment for outpatient medical treatment abroad
If you need outpatient medical treatment please provide a copy of your
booking confirmation to the doctor and your treatment will be paid for by
AXA Assistance. Please also show the instructions below to the doctor,
which explains what the hospital/clinic needs to tell us so that payment
can be arranged.
You will need to pay any excess at the time of treatment.
Some hospitals/clinics may not wish to settle their bill directly with us and
you may be asked to pay for your treatment and claim this back from us
on your return to your home area. In this case beware of requests for you
to sign for excessive treatment or charges. If you are in doubt, please call
AXA Assistance for guidance.
Instructions to outpatient clinics
Please call AXA Assistance on +44 845 366 2215 stating that you are
seeking payment for outpatient treatment to a AXA travel insurance
customer and quote the booking reference from their booking confirmation.
Or if you are in a country that does not accept the above international
) phone number please call +44 203 285 7998.
Reciprocal health agreements with other countries
EU, EEA or Switzerland
If you are travelling to countries within the European Union (EU), the
European Economic Area (EEA) or Switzerland you are strongly advised
to obtain a European Health Insurance Card (EHIC). You can apply for an
EHIC either online at www.ehic.org.uk or by telephoning 0845 606 2030.
This will entitle you to benefit from the health care arrangements which
exist between countries within the EU/EEA or Switzerland.
If we agree to pay for a medical expense which has been reduced
because you have used either a European Health Insurance Card or
private health insurance, we will not deduct the excess under Section B –
Emergency medical and other expenses.
19
33418_ACPD0203PB_POL.indd 19 25/01/12 7:47 PMSection A – Cancellation or curtailment charges Se
Australia Sp
If you need medical treatment in Australia you must enrol with a local 1
MEDICARE office. You do not need to enrol when you arrive, but you must
do this after the first occasion you receive treatment. In-patient and out-
patient treatment at a public hospital will then be available free of charge.
Details of how to enrol and the free treatment available can be found by
visiting the MEDICARE website on www.medicareaustralia.gov.au. or by 2
emailing medicare@ medicareaustralia.gov.au. Alternatively please call
AXA Assistance for guidance.
If you are admitted to hospital you must contact AXA Assistance as soon
as possible and get their authorisation for any treatment not available 3
under MEDICARE.
Contact AXA Assistance on telephone number: +44 845 366 2215
Or if you are in a country that does not accept the above international
phone number please call +44 203 285 7998.
Section A – Cancellation or
curtailment charges sta
We
ne
What is covered co
We will pay you up to £750 for your proportion only of any irrecoverable an
unused travel and accommodation costs and other pre-paid charges ke
(including excursions up to £100) which you have paid or are contracted to 4
pay, together with your proportion only of any reasonable additional travel
expenses incurred if
a cancellation of the trip is necessary and unavoidable or
Wh
b the trip is curtailed before completion
1
as a result of any of the following events:
1 The death, bodily injury, illness, disease, or complications arising as a 2
direct result of pregnancy of:
a you
b any person who you are travelling or have arranged to travel with
c any person who you have
arranged to stay with
d your close relative 3
e your close business associate.
2 You or any person who you are travelling or have arranged to travel
with being quarantined, called as a witness at a Court of Law or for
jury service attendance.
3 Redundancy of you or any person who you are travelling or have
arranged to travel with (which qualifies for payment under current
United Kingdom redundancy payment legislation, and at the time of
booking the trip there was no reason to believe anyone would be made
redundant).
4 You or any person who you are travelling or have arranged to travel with,
are a member of the Armed Forces, Territorial Army, Police, Fire, Nursing 4
or Ambulance Services or employees of a Government Department
and have your/their authorised leave cancelled or are called up for
operational reasons, provided that the cancellation or curtailment could 5
not reasonably have been expected at the time when you purchased this
insurance or at the time of booking any trip.
5 The Police or other authorities requesting you to stay at or return
to your home due to serious damage to your home caused by fire, 6
aircraft, explosion, storm, flood, subsidence, fallen trees, collision by
road vehicles, malicious people or theft. Yo
20
33418_ACPD0203PB_POL.indd 20 25/01/12 7:47 PMSection A – Cancellation or curtailment charges continued
Special conditions relating to claims
1 You must get (at your own expense) a medical certificate from a
st medical practitioner and the prior approval of AXA Assistance to
confirm the necessity to return home, prior to curtailment of the trip
e. due to death, bodily injury, illness, disease or complications arising as
a direct result of pregnancy.
2 If you fail to notify the travel agent, tour operator or provider of
transport or accommodation as soon as you find out it is necessary
to cancel the trip, the amount we will pay will be limited to the
n cancellation charges that would have otherwise applied.
3 If you cancel the trip due to:
a stress, anxiety, depression or any other mental or nervous disorder
that you are suffering from you must provide (at your own expense)
a medical certificate from either a registered mental health
professional if you are under the care of Community Mental Health
Team or if not, a consultant specialising in the relevant field or
b any other bodily injury, illness, disease or complications arising
as a direct result of pregnancy, you must provide (at your own
expense) a medical certificate from a medical practitioner
stating that this necessarily and reasonably prevented you from travelling.
We need the medical certificate completed as soon as you find out it is
necessary to cancel the trip, as any delay in seeing a medical practitioner
could mean that your symptoms are no longer present. If you cannot get
an immediate appointment, please make one for as early as possible and
keep all details of this to help substantiate your claim.
4 You must get (at your own expense) a repair report from the contractor
who carried out the necessary repairs to make your home secure,
confirming the cause of the damage and the cost of the repairs.
What is not covered
1 The first £100 of each and every claim, per incident claimed for, under
this section by each insured person.
2 The cost of your unused original tickets where AXA Assistance or we
have arranged and paid for you to come home following curtailment of
the trip. If however you have not purchased a return ticket, we reserve
the right to deduct the cost of an economy flight from any additional
costs we have incurred which are medically necessary to repatriate
you to your home.
3 Any claims arising directly or indirectly from:
a Your misconduct or misconduct by any person who you are
el travelling with or have arranged to travel with leading to dismissal,
or your/their resignation, voluntary redundancy, you/they entering
into a compromise agreement, or where you/they had received a
warning or notification of redundancy before you purchased this
insurance or at the time of booking any trip.
b Circumstances known to you before you purchased this insurance
de or at the time of booking any trip which could reasonably have been
expected to lead to cancellation or curtailment of the trip.
, c Volcanic eruptions and/or volcanic ash clouds.
g 4 Travel tickets paid for using any airline mileage or supermarket reward
scheme (for example Avios formerly known as Air Miles), unless evidence
of specific monetary value can be provided.
d 5 Accommodation costs paid for using any Timeshare, Holiday Property
is Bond or other holiday points or supermarket reward scheme. In
addition any property maintenance costs or fees incurred by you as
part of your involvement in such schemes is not covered.
6 Anything mentioned in What is not covered applicable to all sections of
y the policy.
You should also refer to the Important conditions relating to health.
21
33418_ACPD0203PB_POL.indd 21 25/01/12 7:47 PMSection B – Emergency medical and other expenses Se
Claims evidence 6
We will require (at your own expense) the following evidence where relevant:
1 A medical certificate from the treating medical practitioner (or in the
case of stress, anxiety, depression or any other mental or nervous
disorder, either a registered mental health professional if you are
under the care of a Community Mental Health Team or if not, a
consultant specialising in the relevant field) explaining why it was
necessary for you to cancel or curtail the trip. 7
2 In the case of death causing cancellation or curtailment of the trip, the
original death certificate.
3 Booking confirmation together with a cancellation invoice from your
travel agent, tour operator or provider of transport/accommodation.
4 In the case of curtailment claims, written details from your travel
agent, tour operator or provider of transport/accommodation of the
separate costs of transport, accommodation and other pre-paid costs
or charges that made up the total cost of the trip.
5 Your unused travel tickets.
6 Receipts or bills for any costs, charges or expenses claimed for.
7 In the case of compulsory quarantine, a letter from the relevant 8
authority or the treating medical practitioner.
8 In the case of jury service or witness attendance, the court summons.
9 The letter of redundancy for redundancy claims.
10 A letter from the commanding officer concerned, confirming
cancellation of authorised leave or call up for operational reasons.
11 In the case of serious damage to your home a report from the Police or Sp
relevant authority. 1
12 Any other relevant information relating to your claim under this section
that we may ask you for.
2
Section B – Emergency medical and
other expenses
What is covered 3
We will pay you up to £2,000,000 for the following expenses which are
necessarily incurred during a trip as a result of you suffering unforeseen
bodily injury, illness, disease and/or compulsory quarantine:
1 Emergency medical, surgical, hospital, ambulance and nursing fees
and charges incurred outside of your home area.
2 Emergency dental treatment for the immediate relief of pain up to a
limit of £150 incurred outside of your home area.
3 The cost of mountain rescue services incurred outside of your home
Wh
area up to a maximum of £30,000 where medically necessary.
1
4 Costs of telephone calls:
a to AXA Assistance notifying and dealing with the problem for which
2
you are able to provide receipts or other reasonable evidence to
show the cost of the calls and the numbers you telephoned
b incurred by you when you receive calls on your mobile phone from
AXA Assistance for which you are able to provide receipts or other
3
reasonable evidence to show the cost of the calls.
5 The cost of taxi fares for your travel to or from hospital relating to
your admission, discharge or attendance for outpatient treatment or
appointments and/or for collection of medication prescribed for you by
the hospital.
22
33418_ACPD0203PB_POL.indd 22 25/01/12 7:47 PMSection B – Emergency medical andother expenses continued
6 If you die:
nt: a outside your home area the reasonable additional cost of funeral
expenses abroad up to a maximum of £1,500 plus the reasonable
cost of returning your ashes to your home, or the additional costs of
returning your body to your home
b within your home area the reasonable additional cost of returning
your ashes or body to your home up to a maximum of £750.
7 Reasonable additional transport and/or accommodation expenses
he incurred, up to the standard of your original booking (for example
full or half board, all inclusive, bed and breakfast, self catering or
room only), if it is medically necessary for you to stay beyond your
scheduled return date.
This includes, with the prior authorisation of AXA Assistance,
reasonable additional transport and/or accommodation expenses
s for a travelling companion, friend or close relative to stay with you or
travel to you from the United Kingdom or escort you. Also additional
travel expenses to return you to your home or a suitable hospital
nearby if you cannot use the return ticket.
8 With the prior authorisation of AXA Assistance, the additional
costs incurred in the use of air transport or other suitable means,
including qualified attendants, to repatriate you to your home if it is
medically necessary. These expenses will be for the identical class
of travel utilised on the outward journey unless AXA Assistance
agree otherwise.
or Special conditions relating to claims
1 You must tell AXA Assistance as soon as possible of any bodily injury,
illness or disease which necessitates your admittance to hospital as an
on in-patient or before any arrangements are made for your repatriation.
2 If you suffer bodily injury, illness or disease we reserve the right
to move you from one hospital to another and/or arrange for your
repatriation to the United Kingdom at any time during the trip. We will
do this, if in the opinion of AXA Assistance or us (based on information
provided by the medical practitioner in attendance), you can be moved
safely and/or travel safely to your home area or a suitable hospital
nearby to continue treatment.
3 The intention of this section is to pay for emergency medical/surgical/
dental treatment only and not for treatment or surgery that can be
reasonably delayed until your return to your home area. Our decisions
regarding the treatment or surgery that we will pay for (including
repatriation to your home area) will be based on this. If you do not
accept our decisions and do not want to be repatriated, then we will
cancel all cover under your policy and refuse to deal with claims for any
further treatment and/or your repatriation to your home area.
me
What is not covered
1 The first £100 of each and every claim, per incident claimed for, under
this section by each insured person.
h
2 Normal pregnancy, without any accompanying bodily injury, illness,
disease or complication. This section is designed to provide cover for
unforeseen events, accidents, illnesses and diseases and normal
m childbirth would not constitute an unforeseen event.
r
3 The cost of your unused original tickets where AXA Assistance or
we have arranged and paid for you to return to your home, if you
cannot use the return ticket. If however you have not purchased a
return ticket, we reserve the right to deduct the cost of an economy
by flight from any additional costs we have incurred which are medically
necessary to repatriate you to your home.
23
33418_ACPD0203PB_POL.indd 23 25/01/12 7:47 PMSection B – Emergency medical and other expenses continued
S
4 Any claims arising directly or indirectly for: Wh
a The cost of treatment or surgery, including exploratory tests, which We
are not related to the bodily injury or illness which necessitated ho
your admittance into hospital. yo
b Any expenses which are not usual, reasonable or customary to ou
treat your bodily injury, illness or disease. inj
c Any form of treatment or surgery which in the opinion of AXA We
Assistance or us (based on information provided by the medical Se
practitioner in attendance), can be delayed reasonably until your to
return to your home area. inc
d Expenses incurred in obtaining or replacing medication, which you Sp
know you will need at the time of departure or which will have to be 1
continued outside of your home area. Where possible and with the
agreement of your medical practitioner, you should always travel
with plenty of extra medication in case of travel delays.
e Additional costs arising from single or private room accommodation.
f Treatment or services provided by a health spa, convalescent Wh
or nursing home or any rehabilitation centre unless agreed by 1
AXA Assistance.
g Any costs incurred by you to visit another person in hospital.
h Any expenses incurred after you have returned to your home area.
i Any expenses incurred in England, Scotland, Wales, Northern
Ireland, the Isle of Man or the Channel Islands which are:
i for private treatment, or
ii are funded by, or are recoverable from the Health Authority in
your home area, or
iii are funded by a reciprocal health agreement (RHA) between
these countries and/or Islands.
j Expenses incurred as a result of a tropical disease where you have
not had the NHS recommended inoculations and/or taken the NHS
recommended medication.
k Any expenses incurred after the date on which we exercise
our rights under this section to move you from one hospital to
another and/or arrange for your repatriation but you decide not
to be moved or repatriated.
5 Anything mentioned in What is not covered applicable to all sections of
the policy.
You should also refer to the Important conditions relating to health.
Claims evidence
We will require (at your own expense) the following evidence where relevant:
1 Receipts or bills for all in-patient/out-patient treatment or emergency
dental treatment received. 2
2 In the event of death, the original death certificate and receipts or bills
for funeral, cremation or repatriation expenses. Cla
3 Receipts or bills for taxi fares to or from hospital claimed for, stating We
details of the date, name and location of the hospital concerned.
1
4 Receipts or bills or proof of purchase for any other transport,
accommodation or other costs, charges or expenses claimed for,
including calls to AXA Assistance.
5 Any other relevant information relating to your claim under this section 2
that we may ask you for.
24
33418_ACPD0203PB_POL.indd 24 25/01/12 7:47 PMSection C – Hospital benefit
What is covered
ch We will pay you £20 for every complete 24 hours you have to stay in
hospital as an in-patient or are confined to your accommodation due to
your compulsory quarantine or on the orders of a medical practitioner
outside your home area, up to a maximum of £200 as a result of bodily
injury, illness or disease you sustain.
We will pay the amount above in addition to any amount payable under
Section B – Emergency medical and other expenses. This payment is meant
r to help you pay for additional expenses such as taxi fares and phone calls
incurred by your visitors during your stay in hospital.
u Special conditions relating to claims
be 1 You must tell AXA Assistance as soon as possible of any bodily injury,
e illness or disease which necessitates your admittance to hospital
as an in-patient, compulsory quarantine or confinement to your
accommodation on the orders of a medical practitioner.
n.
What is not covered
1 Any claims arising directly or indirectly from:
a Any additional period of hospitalisation, compulsory quarantine or
confinement to your accommodation:
a. i relating to treatment or surgery, including exploratory tests,
which are not directly related to the bodily injury, illness or
disease which necessitated your admittance into hospital.
ii relating to treatment or services provided by a convalescent or
nursing home or any rehabilitation centre.
iii following your decision not to be repatriated after the date,
when in the opinion of AXA Assistance it is safe to do so.
b Hospitalisation, compulsory quarantine or confinement to
ve your accommodation:
HS i relating to any form of treatment or surgery which in the opinion
of AXA Assistance or us (based on information provided by
the medical practitioner in attendance), can be delayed
reasonably until your return to your home area.
ot ii as a result of a tropical disease where you have not had
the NHS recommended inoculations and/or taken NHS the
of recommended medication.
iii occurring in England, Scotland, Wales, Northern Ireland, the
Isle of Man or the Channel Islands and relating to either private
treatment or tests, surgery or other treatment the, costs of
which are funded by a reciprocal health agreement (RHA)
nt: between these countries and/or Islands, or are recoverable
from the Health Authority in your home area.
2 Anything mentioned in What is not covered applicable to all sections of
ls the policy.
Claims evidence
We will require (at your own expense) the following evidence where relevant:
1 Confirmation in writing from the hospital, relevant authority or the
treating medical practitioner of the dates when you were admitted
and subsequently discharged from hospital, compulsory quarantine
or confinement to your accommodation.
on 2 Any other relevant information relating to your claim under this section
that we may ask you for.
25
33418_ACPD0203PB_POL.indd 25 25/01/12 7:47 PMYou can also read
