Important contact details - Grand American Adventures
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Important contact details
24-hr Emergency medical assistance: Call: UK +44 (0)20 8603 9485
(for medical emergency or curtailment requests) Email: medical@allianz-assistance.co.uk
Customer services: Call: UK +44 (0)20 7938 1734 TRAVEL INSURANCE
Medical screening service Call: UK +44 (0)1702 427 237
(to declare a condition or change in your circumstances)
2020
Claims (sections A-F & H): Call: UK +44 (0)1702 553 443
Visit: www.submitaclaim.co.uk/treka
Email: info@csal.co.uk
24-hr Legal helpline (section G): Call: UK +44 (0)20 8603 9804
This document is available in large print, audio or Braille.
Please contact us if you need one of these alternative versions.
Ref: 7299TVL 01/20
PLEASE ENSURE YOU READ THIS DOCUMENT CAREFULLY
AND KEEP IT WITH YOU WHEN TRAVELLING.
26Contents
Initial disclosure document
Page number The Financial Conduct Authority Settlement terms
The Financial Conduct Authority (FCA) is an We will be responsible for collecting payment for all
Initial disclosure document 1 independent watchdog that regulates financial premiums and any alterations as soon as practicable
Demands and needs 1 services. It requires us to give you this document. but prior to inception of your policy. All premiums
Please use the information below to confirm that the paid to us will be held as Agent of the insurer in our
Policy document 2-26 service we are offering is right for you. non Statutory Trust Bank Account. All premiums are
Introduction 2 Who regulates us? protected under Risk Transfer agreement with the
Grand American Adventures which is a trading name of insurers. You will be responsible for paying promptly
Definition of words 2-3 all of our payment requests for premiums, to enable us
Exodus Travels Ltd, (registration number 490039) DST
Schedule of cover 4 House, St Mark's Hill, Surbiton, Surrey KT6 4BH is an to make the necessary payments to insurers. We
Appointed Representative of Campbell Irvine Ltd accept payment by cash, cheque, selected credit/
General enquiries 5 debit cards and bank transfer.
(registration No.306242) who is authorised and
24 hour medical emergency assistance service 5 regulated by the Financial Conduct Authority. You Your policy
Making a claim 5 may check this on the Financial Services register Should you mislay your policy a replacement will be
www.fca.org.uk or by contacting them on issued upon written request.
Health declaration and health exclusions 6 Tel: UK +44 (0)800 111 6768. Governing law and language
How to disclose pre-existing medical conditions 6 Which service will we provide you with? The law of England and Wales allows the parties to
We do not recommend products after assessing your choose the law applicable to the contract.
Change in health for annual multi-trip customers 7 needs for Travel Insurance. We will ask you questions You agree that;
Change in health for single trip customers 7 to determine that the product we are offering is 1 This policy will be governed and interpreted in
applicable to your circumstances. You can then choose accordance with the law of England and Wales
Non travelling relatives 7 whether you wish to proceed with this product. and the English courts will have exclusive
Pregnancy 7 What will you have to pay us for our services? jurisdiction in any dispute; and
We do not charge for arranging this insurance for you, 2 Communication of and in connection with this
Making a complaint 8 policy shall be in the English language.
you only pay us the premium for your policy. We are
Period of insurance 8-9 paid for our services to you by the insurer AWP P&C SA. If the insurer has to cancel your policy
Important information 9 This payment is a mixture of commission and other fees If the insurer no longer wishes to offer this policy and
based on our costs for supplying you with this policy. needs to cancel, we will write to you at the current
Data protection 10 We may charge an administration fee to cover any address we have. The policy will then be cancelled
Cooling off period 11 amendments to your travel insurance policy after it has 30 days after the date of our letter. If the policy is
been issued. Details will be provided to you at the time. cancelled, we will refund any premium you paid in
Reciprocal health care 11 respect of the cancelled period, provided you have
Are you covered by Financial Services
Claim conditions 12 not made a claim under the policy during that period
Compensation Scheme (FSCS)?
of Insurance.
General exclusions 13-14 In the unlikely event the seller of this insurance is unable to
meet their liabilities, you may be entitled to compensation Other taxes or costs
Section A - Emergency medical expenses 15-16 under the Financial Services Compensation Scheme. Other taxes or costs may exist which are not imposed
You can contact them by writing to: Financial Services or charged by us.
Section B - Personal liability 16-17
Compensation Scheme, 10th Floor, Beaufort House, What to do if you have a complaint
Section C - Personal accident 17 15 St Botolph Street, London, EC3A 7QU. Please see the complaints procedure detailed in the policy.
Section D - Cancellation or curtailment 18 Phone: UK +44 (0)800 678 1100 or
UK +44 (0)20 7741 4100. Visiting: www.fscs.org.uk
Section E - Travel delay 19
Section F - Personal effects 20-21 Demands and needs
Section G - Legal expenses 22-23
This travel insurance policy will suit the demands and Important
Section H - Winter sports 23-24 needs of an individual, or group (where applicable) This policy will have been sold to you on a non-
who have no excluded pre-existing medical conditions, advised basis and it is therefore important for you to
Geographical areas 24
are travelling to countries included within the policy read this policy (paying particular attention to the
Worldwide annual multi-trip 24 terms and who wish to insure themselves against the terms and conditions and exclusions) and ensure that
Sporting and adventurous activities 25 unforeseen circumstances/events detailed in this your chosen policy meets all of your requirements. If
policy. Subject to terms and conditions and maximum upon reading this policy you find it does not meet all
Claims checklist 25 sums insured. of your requirements, please refer to the relevant
Important contact details 26 cooling off/policy cancellation section.
2 1Pre-existing medical condition iPad and/or android tablet or similar device, and
Policy a Any respiratory condition (relating to the lungs or portable navigation equipment, ipods, ipod touch
breathing), heart condition, stroke, Crohn’s disease, and/or accessories, ebook readers, jewellery, furs,
Introduction epilepsy, allergy, cancer, psychiatric or
psychological condition (including anxiety, stress and
gold and silver items, watches, binoculars, musical
instruments, electronic games and sports equipment.
depression) for which you have received treatment
This policy, booking invoice or validation certificate (as paid. Volunteering
(including surgery, tests or investigations by your
applicable) and any endorsements set out the terms of You taking part in community or wildlife based
This policy is underwritten by AWP P&C SA and doctor or a consultant/specialist or prescribed
the one contract between the insured person(s) and conservation/project work when arranged by a
administered in the UK by Allianz Assistance, medication) in the last five years.
the insurer and which sections of cover are operative. professional organisation. This includes caring and
a trading name of AWP Assistance UK Ltd, Registered b Any medical condition for which you have received teaching; and may also include supervised building/
Please read all of these documents to make sure they in England No 1710361, Registered Office PO Box surgery, in-patient treatment or investigations in a renovation projects if the activity does not form part of
provide the cover required. 74005, 60 Gracechurch Street, London, EC3P 3DS. hospital or clinic within the last 12 months, or are your usual occupation or involve the use of plant/
AWP Assistance UK Ltd is authorised and regulated by prescribed medication. trade/industrial machinery, or non domestic power
If they are not correct, or do not meet your demands
and needs, please immediately return them within the the Financial Conduct Authority. Strike or industrial action tools.
21 day cooling off period. Any form of industrial action taken by workers which is We, our, us
AWP P&C SA is duly authorised in France and the
United Kingdom and subject to limited regulation by carried on with the intention of preventing, restricting or Allianz Assistance, which administers the insurance on
You must take reasonable care not to make any
the Prudential Regulation Authority and the Financial otherwise interfering with the production of goods or behalf of the insurer.
misrepresentations and to provide complete and
Conduct Authority. the provision of services.
accurate answers to the questions we ask when you Winter sports equipment
take out or make changes to your policy. If you fail to Terrorism (including cyber terrorism) Skis (including bindings), ski boots, ski poles and
do so, your policy may be void, or it may be An act, or acts, of any person, or group of persons, snowboards.
cancelled, or your claim may be rejected or not fully committed for political, religious, ideological or similar
purposes with the intention to influence any government
and/or to put the public, or any section of the public,
Definition of words in fear, including but not limited to, the actual use of
force or violence and/or the threat of such use.
Furthermore, the perpetrators of a terrorist activity can
Any word or expression to which a specific meaning has been attached will bear the same meaning throughout either be acting alone, or on behalf of, or in
this policy. For ease of reading the definitions are highlighted by the use of bold print. connection with any organisation or government.
Baggage Doctor Travelling companion
Luggage, clothing, personal effects, valuables and A registered practising member of the medical A person you have arranged to travel with on your trip
other articles (but excluding personal money, tickets or profession who is not related to you or any person with and without whom it would be unreasonable to expect
documents of any kind) which belong to you (or for whom you are travelling. you to continue your trip.
which you are legally responsible) which are worn,
Home country Unattended
used or carried by you during any insured trip.
The country that you normally reside in. When you are not in full view of and not in a position
Close relative to prevent unauthorised interference with your property.
Insured person, you, your
Mother, father, sister, brother, wife, husband, partner
Any person named on the booking invoice or Utilisation of nuclear, chemical or biological weapons
(including common law and civil partnerships), son,
validation certificate (as applicable). of mass destruction
daughter (including fostered/adopted), grandparent,
The use of any explosive nuclear weapon or device; or
grandchild, parent in-law, son in-law, daughter in-law, Insurer the emission, discharge, dispersal, release or escape
brother in-law, sister in-law, step parent, step child, step AWP P&C SA. of: fissile material emitting a level of radioactivity, or
sister, step brother or legal guardian.
Medical condition any pathogenic (disease producing) micro-organism(s)
Dependent business partner Any disease, illness or injury. and/or biologically produced toxin(s) (including
A person who works for the same employer as you genetically modified organisms and chemically
and whose absence from work necessitates your Policy excess synthesised toxins), or any solid, liquid or gaseous
presence. The first part of the claim that you will be responsible chemical compound which, when suitably distributed,
for paying. When applicable, this amount applies to is capable of causing incapacitating disablement or
Diagnostic tests each claim, per section, for each separate incident per death amongst people or animals.
All laboratory and imaging (invasive and non-invasive) insured person.
tests ordered by the treating doctor to help diagnose or Valuables
rule out a suspected illness or condition including PET Audio, visual, video, photographic, computer, laptops,
scans, CT scans, MRIs, EKGs, EMGs, X-rays,
echocardiograms, cardiac nuclear studies or
cardiovascular procedures such as coronary
angiograms plus blood, urine or histopathological tests.
2 3Schedule of cover General enquiries
If you have any general queries concerning this Insurance, or if there is anything you do not understand, please
Section/Cover Cover limits (up to) Excess contact the Insurance Brokers who arrange the scheme:
A Emergency medical expenses £10 million *£100 Write to: Campbell Irvine Limited, 52 Earls Court Road, Kensington, London W8 6EJ.
Diagnostic tests £10,000 £100 Phone: UK +44 (0)20 7938 1734.
In-patient benefit £20/day max. £200 Nil
Criminal injuries £100/day max. £5,000 Nil 24-hour medical emergency assistance service
Additional mountain rescue (risk to life) £2,000 £100
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or
B Personal liability £2 million £250 you may have to return home early or extend your stay because of any illness or injury. If you are unable to do
this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can.
C Personal accident £25,000 Nil
You must also tell us if your medical expenses are over £500. If you are claiming for a minor illness or
D Cancellation or curtailment £5,000 £100 accident you should, where possible, pay the costs and reclaim the money from us when you return. You can
call 24 hours a day 365 days a year or email.
E Travel delay
Delayed departure or arrival £25 / 8 hr delay, max. £100 Nil Phone: UK +44 (0)20 8603 9485 Fax: UK +44 (0)20 8603 0204
Abandonment £2,000 after 8 hrs delay Nil Email: medical@allianz-assistance.co.uk Quote ref: Grand American Adventures 7299TVL 11/20
Hijack of aircraft £100 / day, max. £3,000 Nil
Missed departure £300 Nil Please give us your age and your insurance booking or validation certificate number. Say that you are insured
Nil with Grand American Adventures 7299TVL 11/20. Below are some of the ways the 24-hour medical emergency
Delayed tour expenses £150
assistance service can help.
F Personal effects Confirmation of payment
Baggage £2,000 £100 We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim. We
Personal money £500 £100 may require written consent to contact your doctor to obtain details of any past medical history specifically
Tickets £1,000 £100 relating to your claim.
Passport and visas £250 £100 Repatriation
Delayed baggage £100 after 8 hour delay Nil If our medical advisers think it would be in your medical interests to bring you back to your home or to a
hospital or nursing home in your home country, you will normally be transferred by regular airline or road
G Legal expenses £50,000 £250 ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will
consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must
H Winter sports provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or
Winter sports equipment £350 £100
injured person.
Winter sports equipment hire £200 £100
You can contact us at any time, day or night. You will be answered by one of our experienced assistance
Ski pack £300 £100
co-ordinators who you should give all relevant information to. Please make sure you have details of your policy
Piste closure £20 / day, max. £200 Nil before you phone.
Avalanche closure £150 £100
Note
Failure to contact the medical emergency assistance service to obtain our authorisation may result in your claim
Notes being reduced or declined.
Inner limits
This is only a summary of the sums insured and policy excess. Please refer to the individual sections of cover
of this policy for full details.
Making a claim
*Helicopter mountain medical rescue in Nepal For claims under Sections A-F and H
If you require helicopter mountain medical rescue in Nepal, all costs will need to be pre-authorised by the To submit a claim online please go to: www.submitaclaim.co.uk/treka
insurer's medical emergency assistance service and the policy excess will be increased to £500.
Alternatively you can download a claim form at: www.csal.co.uk or you can
Write to: Claims Settlement Agencies 308-314 London Road, Hadleigh, Essex SS7 2DD
Phone: UK +44 (0)1702 553 443 Email: info@csal.co.uk
For claims under Section G
You can call our 24-hour legal helpline for advice on a travel related legal problem to do with your trip.
Phone: UK +44 (0)20 8603 9804
4 5THIS IS NOT PRIVATE MEDICAL INSURANCE.
A note to all insured persons, doctors and hospitals. This is not a private medical insurance. If any medical
Change in health for annual multi-trip customers
treatment is needed, you must tell us immediately or we may not guarantee medical expenses. If you need any
If your health changes after taking out this insurance, We will tell you whether or not your medical
medical treatment, you must allow the medical emergency assistance service to see all of your medical records
you must tell us as soon as possible by calling the condition (or conditions) can be covered and if you
and information.
Medical Screening service on UK +44 (0)1702 427 need to pay an extra premium. If we cannot cover
237 if this means you have to: your medical condition (or conditions), or you do not
Health declaration and health exclusions • see a doctor and be referred to a consultant or want to pay the extra premium, you can choose to:
specialist; or • make a cancellation claim for any trip already
Important declaration Definition of a Pre-existing medical condition: • be admitted to hospital for treatment (including booked; or
Anyone named under this policy should have read this a Any respiratory condition (relating to the lungs or surgery, tests or investigations); or • continue cover on this policy, but without cover for
Important declaration and understood the terms, breathing), heart condition, stroke, Crohn’s disease, • await treatment or the results of tests and your medical conditions; or
conditions and exclusions relating to the health of you epilepsy, allergy, cancer, psychiatric or investigations. • cancel this policy and request a proportionate/
and anyone else upon whom your trip depends. psychological condition (including anxiety, stress and partial refund (as long as you have not made a
depression) for which you have received treatment claim or intend to make a claim).
This policy contains health restrictions that apply to
(including surgery, tests or investigations by your
your cover under certain sections of this policy. This
doctor or a consultant/specialist or prescribed
policy can only provide cover in respect of an
accident or illness which is sudden, unforeseen and
medication) in the last five years.
b Any medical condition for which you have received
Change in health for single trip customers
beyond your reasonable control.
surgery, in-patient treatment or investigations in a
Cover is excluded for any defined pre-existing hospital or clinic within the last 12 months, or are If your health changes after taking out this insurance, We cannot provide cover for new medical conditions
medical condition. If in doubt please contact our prescribed medication. you do not need to tell us providing your doctor has for which you have not received a formal diagnosis.
medical screening service, in confidence on: confirmed to you that you remain medically fit to
UK +44 (0)1702 427 237 or, online at undertake the planned trip itinerary.
www.policyscreening.com/gaa
Non travelling relatives
How to disclose pre-existing medical conditions You may have a close relative with a medical state that at the date you bought this policy, he/she
condition who is not travelling with you. In some would have seen no substantial likelihood of his/her
Medical screening If you do not: cases, if their state of health deteriorates greatly, you patient’s condition deteriorating to such a degree that
• declare full details about your pre-existing medical may want to cancel or curtail your trip. Subject to all this would become necessary. If the doctor will not
The medical screening service is optional for those the other terms and conditions, such claims are confirm this, your claim is not covered.
persons wishing to establish if additional cover may condition to the medical screening service; or
• accept the special terms applied to your policy by covered if the close relative's doctor is prepared to
be offered to include pre-existing medical conditions.
You will be asked for your personal and travel the medical screening service
details. Please have your insurance policy number to you will not be covered for any claims arising from:
hand if known. • any pre-existing medical conditions; or Pregnancy
You will be advised whether the pre-existing medical • any medical conditions linked to these pre-existing
condition may be covered, an optional additional medical conditions. Claims relating to normal pregnancy, where there is Airlines and ferry companies have their own
premium may be quoted and whether any There is no cancellation or curtailment cover for a no accompanying bodily injury, illness, disease or restrictions due to health and safety requirements so
amendments will be made to the policy terms and pre-existing medical condition of persons not complication, are not covered under this policy. This please ensure that you check with them or with any
conditions. If terms can be provided for the condition necessarily travelling but upon whom travel depends, policy is designed to provide cover for unforeseen other transport provider before you book the trip.
and you elect to take up the offer of the additional such as a close relative, unless you are able to agree events, accidents, illnesses and diseases and normal Please also ensure that your doctor and midwife are
cover, you will be given a medical screening to the ‘Non travelling relatives’ section of this policy. childbirth would not constitute an unforeseen event. aware of your travel plans, that there are no known
reference number and a letter will be sent to you There is no cover for any claims arising from complications and that you are not travelling against
You should also refer to the 'General exclusions' of
upon receipt of payment. Any additional premiums pregnancy when you are expected to give birth any medical advice.
this policy.
must be paid directly to the medical screening service within two months of the return date of your trip.
If you fail to declare a medical condition and the
and not the company you are arranging your travel Cover can only be considered where there is a
policy would have still been issued to you but for an
insurance with. complication of pregnancy or if you were unaware of
additional premium, the insurer may decide to make
a proportionate settlement in line with the premium the pregnancy at the time of purchasing the insurance
you have paid. or booking a trip (whichever is later) and you are
advised not to travel by a doctor.
6 7Making a complaint Automatic trip extension
If you are prevented from completing your travel
If you are hijacked, cover shall continue whilst you
are subject to the control of the person(s) or their
before the expiration of this Insurance as stated under associates making the hijack during the period of
We aim to provide you with a first class policy and If you are not satisfied with our final response you the period of insurance on the booking invoice or insurance for a period not exceeding 12 months from
service. However, there may be times when you feel can refer the matter to the UK Financial Ombudsman validation certificate (as applicable) for reasons which the date of the hijack.
we have not done so. If this is the case, please tell us Service for independent arbitration. are beyond your control, including ill health or failure Please ensure you arrange cover for the entire
about it so that we can do our best to solve the Visit: www.financial-ombudsman.org.uk of public transport, this policy will remain in force until duration of your travel.
problem. If you make a complaint your legal rights completion but not exceeding a further 31 days on a
Write to: Financial Ombudsman Service, Exchange
will not be affected. day by day basis, without additional premium.
Tower, London E14 9SR
• For complaints regarding the sale of your policy:
Write to: The General Manager, Campbell Irvine Ltd, Phone: U
K +44 (0)800 023 4567 or
52 Earls Court Road, Kensington, London W8 6EJ. UK +44 (0)300 123 9123
Important information
Phone: UK +44 (0)20 7938 1734 Email: complaint.info@financial-ombudsman.org.uk
• For complaints regarding claims or administration 4 You must contact the medical emergency assistance
You must comply with all the terms and conditions
of your policy: service as soon as possible with full details of
stated in this policy, exercise reasonable care, and
Write to: Customer Service, Allianz Assistance, anything which may result in a claim as a result of
act as if uninsured at all times to have the full
102 George Street, Croydon, CR9 6HD a medical emergency.
protection of the policy. If you do not comply the
Phone: UK +44 (0)20 8603 9853 insurer may at their option cancel the policy or 5 Unless agreed otherwise, English law will apply
Email: customersupport@allianz-assistance.co.uk refuse to deal with the claim or reduce the amount of and all communications and documentation in
any claim payment. relation to this policy will be in English. In the event
of a dispute concerning this policy the English
courts shall have exclusive jurisdiction.
Period of insurance General conditions
1 At the time of purchasing this policy you will have Rights of third parties
been asked questions to enable us to assess your We, the insurer and you do not intend any term of
The period that you are insured for as shown on your Annual multi-trip
risk. These may include but are not limited to this contract to be enforceable by any third party
booking invoice or validation certificate (as Any one trip shall be limited to a maximum duration of
questions about your state of health or that of a pursuant to the Contracts (Rights of Third Parties) Act
applicable). 40 days. For any trip known to be exceeding the
close relative or any planned sports or activities. 1999.
Single trip maximum duration, the entire period of travel including
You must take reasonable care to answer these
Cover under Section D – Cancellation starts from the the first 40 days will not be insured. Financial Services Compensation Scheme (FSCS)
questions completely and accurately. If the answers For your added protection, the insurer is covered by
date of issue stated on your booking invoice or Cover under Section D – Cancellation starts from given change after the policy was purchased you the FSCS. You may be entitled to compensation from
validation certificate (as applicable) and ends when either the date of issue shown on your booking must notify us of this change. Upon any failure to the scheme if the insurer cannot meet its obligations.
you leave your residence or place of business to invoice or validation certificate (as applicable), or the answer the questions completely, accurately or This depends on the type of business and the
commence travel. Cancellation cover shall only apply booking date of each individual trip to which this honestly, or to inform us of any change, your circumstances of the claim.
for a period of up to 24 months prior to the trip insurance relates, whichever is the latter. policy may be declared void, or be cancelled, or
departure date stated on your booking invoice or Insurance cover provides protection for 90% of the
Cover under all other sections of the policy starts from we may refuse to pay your claim in full or in part, claim, with no upper limit. Further information about the
validation certificate (as applicable). the date shown on your booking invoice or validation or we may revise the premium due or we may compensation scheme arrangements is available from
Cover under all other sections of the policy starts certificate (as applicable), or the time you leave your change any policy excess, or the extent of your the FSCS, telephone number UK +44 (0)800 678 1100
when you leave your normal residence or place of normal residence or place of business to commence cover under the policy may be affected. or UK +44 (0)20 7741 4100, or by visiting their
business to commence your trip or from the date your trip on the departure date of each individual trip 2 This policy is available for holiday or business website at www.fscs.org.uk.
shown on the booking invoice or validation certificate to which this insurance relates, whichever is the latter. travel but excludes overseas residency, permanent
(as appropriate). Cover for each trip ends on your return home or overseas employment, work of a predominantly
All cover ends on your return home, within 24 hours within 24 hours of your return to your home country, manual nature (other than volunteering) or any
of your return to your home country, or at the expiry whichever is first. All cover under the policy ends on hazardous activity not agreed on behalf of the
of the period of insurance, whichever is first. the expiry of the period of insurance as shown on insurer.
One way travel your booking invoice or validation certificate (as 3 An extra premium has to be paid for any person
All cover ceases on arrival at final destination. applicable). aged 66 years or more at the date of payment of
insurance premium. The policy is not available for
persons aged 75 years or more at the date of
payment of insurance premium (reduced to 66
years or more for annual multi-trip policies).
8 9Data protection Cooling off period
We care about your personal data. Where will your personal data be processed? Statutory cancellation rights Cancellation outside the statutory 21 day cooling
The summary below and our full privacy notice Your personal data may be processed both inside You may cancel this policy within 21 days of receipt off period
explain how Allianz Assistance protects your privacy and outside the European Economic Area (EEA). of the policy documents by contacting your issuing You may cancel this policy at any time after the
and uses your personal data. Whenever we transfer your personal data outside the agent. statutory 21 day cooling off period by contacting
EEA to other Allianz Group companies, we will do so Any premium already paid will be refunded to you your issuing agent.
Our full privacy notice is available at
on the basis of Allianz’s approved binding corporate providing you have not travelled, no claim has been If you cancel after the statutory 21 day cooling off
www.allianz-assistance.co.uk/privacy-notice/
rules (BCR). Where Allianz’s BCR do not apply, we made or is intended to be made and no incident period no premium refund will be made.
If a printed version is required, please write to Legal and likely to give rise to a claim has occurred.
take steps to ensure that personal data transfers outside Non payment of premiums
Compliance Department, Allianz Assistance,
the EEA receive an adequate level of protection. We reserve the right to cancel this policy immediately
102 George Street, Croydon CR9 6HD.
in the event of non payment of the premium.
What are your rights in respect of your personal data?
How will we obtain and use your personal data?
You have certain rights in respect of your personal
We will collect your personal data from a variety of
data. You can:
sources including:
• Request access to it and learn more about how it is
• Data that you provide to us; and
processed and shared;
• Data that may be provided about you from certain
• Request that we restrict any processing concerning you,
third parties, such as your insurance representative,
doctors in the event of a medical emergency or
or withdraw your consent where you previously Reciprocal health care
provided this;
airline companies in the event of repatriation.
• Request that we stop processing it, including for direct
We will collect and process your personal data in This travel insurance policy is not a private medical Should you require medical care in Europe, a
marketing purposes;
order to comply with our contractual obligations and/ insurance and where possible every effort should be European Health Insurance Card (EHIC) entitles you to
or for the purposes of our legitimate interests including: • Request that we update it or delete it from our records; made to utilise any reciprocal health care facility. reduced cost, sometimes free, medical treatment that
• Entering into or administering contracts with you; • Request that we provide it to you or a new insurer; and If you require medical treatment in Australia you must becomes necessary whilst travelling in a European
• File a complaint. enrol with Medicare www.humanservices.gov.au Economic Area (EEA) country or Switzerland. The EEA
Who will have access to your personal data? consists of the European Union (EU) countries plus
We may share your personal data: Automated decision making, including profiling It can be done after the first occasion on which you
Iceland, Liechtenstein and Norway. An EHIC can be
• With public authorities, other Allianz Group We carry out automated decision making and/or receive treatment. In-patient and out-patient treatment
obtained by following the online information at
companies, industry governing bodies, regulators, profiling when necessary. at a public hospital is then available free of charge.
www.ehic.org.uk
fraud prevention agencies and claims databases, If you are admitted to hospital then immediate contact
How can you contact us? Telephone: 0300 330 1350
for underwriting and fraud prevention purposes; must be made with the medical emergency assistance
If you would like a copy of the information that we hold
• With other service providers who perform business
service and their authority obtained in respect of any Please also note that if you have a valid claim for
about you or if you have any queries about how we
operations on our behalf;
treatment not available under Medicare before such medical expenses which is reduced by you:
use your personal data, you can contact us as follows:
treatment is provided. • Using an EHIC; or;
• Organisations who we deal with which provide • For Allianz Assistance
part of the service to you such as in the event of a Write to: Data Protection Officer, AWP Assistance • Taking advantage of a reciprocal health
Note
medical emergency; UK Ltd, 102 George Street, Croydon CR9 6HD arrangement with your home country; or;
Your failure to contact the medical emergency
• To meet our legal obligations including providing Phone: UK +44 (0)20 8603 9853 assistance service to obtain our authorisation may • Using your private medical insurance;
information to the relevant ombudsman if you make Email: AzPUKDP@allianz.com result in a claim being reduced or declined. at the point of treatment, then the insurer will not
a complaint about the product or service that we deduct the policy excess.
Other privacy notices
have provided to you.
If you would like to view the full privacy policy of
We will not share information about you with third
Claims Settlement Agencies Limited visit:
parties for marketing purposes unless you have
www.csal.co.uk/privacy-policy
specifically given us your consent to do so.
If you would like to view the full privacy policy of
How long do we keep your personal data?
Campbell Irvine Limited visit:
We will retain your personal data for a maximum of
www.campbellirvine.com
seven years from the date the insurance relationship
between us ends. If we are able to do so, we will
delete or anonymise certain areas of your personal
data as soon as that information is no longer required
for the purposes for which it was obtained.
10 11Claim conditions General exclusions
Duplicate insurance Paying claims 2 After the date this policy was purchased including
Policy excesses – Applicable to most claims
If at the time of loss, theft, damage, expense or liability 1 Death prior to booking any individual journey in respect of
The insurer shall not pay:
insured by Sections A, D, E, F, G and H there is a If you are 18 years old or over, claims are paid an annual multi-trip policy:
1 The first £100 of each and every claim, per
another insurance against such loss or any part thereof, to your estate and the receipt given to the insurer incident claimed for under each section by each A change of health or where the cost of any claim is
the insurer shall be liable under this Insurance for their by your personal representatives shall be a full insured person. increased due to a change of health, if the
proportionate share only of such loss. discharge of all liability by the insurer in respect 2 The first £250 of each and every claim arising procedure detailed under the ‘Health declaration and
Subrogation of the claim. from the same incident under Section B - Personal health exclusions’ section has not been followed.
b If you are aged under 18 years, the insurer shall liability (in respect of the use of rented temporary 3 At any time:
The insurer is entitled to take over any rights in the
pay any claim to your parent or legal guardian. accommodation only) and G - Legal expenses. a Any medical condition where you have travelled
defence or settlement of any claim and to take
Your parent or legal guardian’s receipt shall be a 3 The first £500 of each and every claim, by each despite a doctor advising you not to travel (or
proceedings in your name for the insurer's benefit
full discharge of all liability by the insurer in insured person under Section A1, if the claim where they would have advised you not to travel
against any other party.
respect of the claim. involves helicopter mountain medical rescue in had you sought their advice).
Documentation b Any surgery, treatment or investigations for which
2 All other claims: Nepal.
All certificates, information and evidence required by the you intend to travel outside your home country to
a If you are 18 years old or over, the insurer shall
insurer shall be furnished at your or your legal personal No policy excess applies to Section C - Personal receive (including any expenses incurred due to the
pay the claim to you and your receipt shall be a
representatives expense and shall be in such form and of accident, Section D - Cancellation and curtailment discovery of other medical conditions during and/
full discharge of all liability by the insurer in
such nature as the insurer may prescribe. You shall as (Loss of deposit only claims), Section E - Travel or complications arising from these procedures).
respect of the claim.
often as required submit to medical examination on delay, Section F5 - Delayed baggage and Section c Any medical condition for which you or any
b If you are aged under 18 years, the insurer shall
behalf of the insurer at their own expense and in the H - Piste closure only. other person not necessarily travelling but upon
pay the appropriate benefit amount to your
event of your death the insurer shall be entitled to have whom travel depends such as a close relative is
parent or legal guardian for your benefit. Your Please also note that if you have a valid claim for
a post-mortem examination at their own expense. not taking the recommended treatment or
parent or legal guardian’s receipt shall be a full medical expenses which is reduced by you·using an
Recognising our rights discharge of all liability by the insurer in respect prescribed medication as directed by a doctor.
EHIC; or taking advantage of a reciprocal health
You and each insured person must recognise the of the claim. d Pregnancy known at the time of booking your trip
agreement with your home country; or using your
insurer's right to: Please refer to the 'Claims checklist' at the back of this or buying this policy (whichever is later) if you are
private medical insurance; at the point of treatment,
1 Pay, repair or replace policy for a list of documentation required by our expected to give birth within two months of the
then the insurer will not deduct the policy excess.
Choose either to pay the amount of a claim (less any claims handlers to process a claim. return date of your trip;
policy excess and up to any sum insured limit) or e Participating in any activity where you have been
repair, replace or reinstate any item or property that Fraudulent claims You will not be covered under Section A – Medical advised against doing so by a doctor or where
is damaged, lost or stolen; You must not act in a fraudulent manner. If you or expenses, Section C – Personal accident and you would have been advised against participating
anyone acting for you: Section D – Cancellation or curtailment for any claim if you had sought your doctors' advice.
2 Inspect and dispose of items
1 Make a claim under the policy knowing the claim to directly or indirectly caused by, arising or resulting
Inspect and take possession of any item or property The insurer shall not pay (unless agreed in writing by
be false or fraudulently exaggerated in any respect; from, or in connection with either;
for which a claim is being made and handle any or on behalf of the insurer) for any claim directly or
or 1 At the time of taking out this policy:
salvage in a reasonable manner; indirectly caused by, arising or resulting from, or in
2 Make a statement in support of a claim knowing the a Any pre-existing medical condition unless you
3 Handle a claim in your name connection with:
statement to be false in any respect; or have contacted the medical screening service on
Take over and deal with the defence or settlement of 1 a i Mountaineering or climbing; pot-holing; sports
UK +44 (0)1702 427 237 or, online at
any claim in your name and keep any amount 3 Submit a document in support of a claim knowing tours; motorised competitions; racing;
www.policyscreening.com/gaa and the insurer
recovered; the document to be forged or false in any respect; or competing in or practising for speed or time
has agreed to provide cover and you have paid
4 Pay in sterling 4 Make a claim in respect of any loss or damage trials of any kind; or
any additional premium required.
Settle all claims in pounds sterling; caused by your wilful act or with your involvement. ii Travelling by quad bike or motorcycle (except
b Any medical condition that you or any other
Then the insurer: for quad bikes or motorcycles up to 125cc
5 Be reimbursed promptly person not necessarily travelling but upon whom
which are hired or borrowed during the period
Be reimbursed within 30 days for any costs or 1 Shall not pay the claim travel depends such as a close relative has
of insurance and when you are wearing a
expenses that are not insured under this policy, 2 Shall not pay any other claim which has been made received a terminal prognosis.
crash helmet); or
which the insurer pays to you or on your behalf; or will be made under the policy. c Any medical condition you are aware of but
iii Driving a motor vehicle or riding a motorcycle,
6 Receive medical certificates 3 May at their option declare the policy void. which has not had a formal diagnosis.
quad bike or any mechanically assisted cycle on
Be supplied at your expense with appropriate 4 Shall be entitled to recover from you the amount of d Any medical condition for which you or any
a public highway without the appropriate driving
original medical certificates where required before any claim already paid under the policy. other person not necessarily travelling but upon
licence.
paying a claim; whom travel depends such as a close relative is
5 Shall not make any premium returns. iv Skiing, snowboarding and snowmobiling
7 Carry out medical examinations on a waiting list for or has knowledge of the need
6 May inform the police of the circumstances. involving racing, ski jumping, freestyle winter
Request and carry out a medical examination and for surgery in a hospital; or
sports, ice hockey or the use of bobsleighs or
insist on a post-mortem examination, if the law skeletons.
allows them to ask for one, at our expense.
12 13b Any activity where you do not wear the
recommended/recognised safety equipment, or do
6 Any exposure to the utilisation of nuclear, chemical
or biological weapons of mass destruction.
Section A - Emergency medical expenses
not follow the safety procedures, rules or 7 a Ionising radiation or contamination by radioactivity
regulations of the activity’s organisers/providers; or from any nuclear fuel or from any nuclear waste WHAT YOU ARE COVERED FOR 4 Criminal injuries - Up to £5,000
c Any activity in the air (other than as a passenger resulting from the combustion of nuclear fuel; or 1 Emergency medical, repatriation and associated Should you be admitted to hospital as an in-patient
in a fully licensed passenger-carrying-aircraft, b The radioactive, toxic, explosive or other expenses - Up to £10 million as a result of receiving criminal injuries following a
bungee jumping or parasailing); or hazardous properties of any explosive nuclear Should you suffer accidental bodily injury or become personal assault verified by a written report that
d Any unusually hazardous activity or extreme sport assembly or nuclear component of such assembly. ill (including compulsory quarantine on the orders of substantiates the injuries resulted from an unprovoked
that has not been booked through or organised 8 Sonic or pressure waves from aircraft and other a treating doctor) the insurer will pay: personal assault, the in-patient benefit payable under
by Grand American Adventures, including but not airborne devices travelling at sonic or supersonic a normal and necessary receipted expenses of Section A3 is increased to £100 each complete
limited to scrambling; canyoning/kloofing; speeds. emergency medical or surgical treatment incurred day, up to £5,000, that you are admitted to hospital
trekking over 4,000 metres; scuba diving to a 9 Any consequence of any act of war, invasion, act outside your home country including, emergency outside of your home country.
depth greater than 30 metres, or solo diving; of foreign enemy, hostilities (whether declared or dental treatment to relieve pain and suffering 5 Additional mountain rescue (risk to life) -
professional or competitive sports or activities; not), civil war, civil commotion, rebellion, (limited to £250), specialists or ophthalmic fees, Up to £2,000
competing in or practicing for speed or time trials revolution, insurrection, military force, any act of hospital, nursing attendance charges, If during the period of insurance local rescue
of any kind; work of a predominantly manual terrorism (including cyber terrorism) where you physiotherapy, massage and manipulative authorities declare you need mountain rescue to
nature; expeditions to remote, hazardous or polar are actively engaged and/or where you have treatment, surgical and medical requisites, avoid risk to your life despite not being ill or
regions; or any variation of an excluded sport or travelled and/or you remain contrary to Foreign decompression chambers, ambulance/ necessary injured, the insurer will pay up to £2,000 for
activity; or and Commonwealth Office travel advice. transport charges (including helicopter/ air receipted rescue costs if authorised by the medical
e Wilful exposure to needless danger (other than in 10 You travelling to a country, specific area or event ambulance charges if medically necessary and emergency assistance service or their agents.
an attempt to save human life); or to which the Travel Advice unit of the British authorised by the medical emergency assistance
f Air travel within 24 hours of scuba diving. Foreign and Commonwealth Office or the World service; or their agents).
Health Organisation has advised against all travel Conditions specific to A5 - Additional mountain
Note Note
or all but essential travel, unless agreed by or on rescue (risk to life).
• Exclusions 1a, 1b, 1c and 1d are not applicable The insurer reserves the right to repatriate you to
behalf of the insurer. 1 Contact must be made with the medical emergency
to cancellation claims under Section D. your home country when in the opinion of the
11 Any search or ship to shore rescue costs (cost assistance service on UK +44 (0)20 8603 9485 as
• See 'Sporting and adventurous activities' section. medical emergency assistance service, you are
charged to you by a Government, regulated soon as possible;
fit to travel 2 All reasonable local safety advice has been
2 Private medical treatment unless authorised by the authority or private organisation concerned with
medical emergency assistance service. finding and rescuing an individual). This exclusion b reasonable additional accommodation and obtained and followed;
3 Any wilfully self inflicted injury or illness, suicide or does not include medical evacuation costs by the repatriation expenses incurred by you and any 3 Expenses are only payable for your proportion of
attempted suicide, sexually transmitted diseases, most appropriate transport detailed in Section A1, one member of your family or party who has to the mountain rescue operation up to the sum
solvent abuse, the use of drugs (other than medically or Additional mountain rescue (risk to life) costs remain or travel with you, when certified by a insured.
prescribed) and the effects of alcohol. detailed in Section A5. doctor to be strictly necessary on medical 4 Costs will only be covered up to the point when
4 Your participation in any criminal or illegal acts. 12 Any circumstances you are aware of that could grounds, and approved by the medical you are recovered by the mountain rescue
5 a Unless the insurer provides cover under this reasonably be expected to give rise to a claim on emergency assistance service. services or at the time when the authorities advise
insurance, any other loss, damage or additional this policy unless you have been given the c the travel and reasonable accommodation that continuing the rescue is no longer viable.
expenses following on from the event for which insurer's written agreement. expenses of one person to travel from their country 5 A written statement from the appropriate local
you are claiming. Examples of such loss, 13 The financial failure of a tour operator, travel of residence if their presence is strictly necessary rescue authorities involved in the rescue must be
damage, or additional expense would be the cost agent, transport provider, accommodation on medical grounds. obtained and provided to the insurer in the event
of replacing locks after losing keys, costs incurred provider, ticketing agent or excursion provider. d the reasonable cost of transporting your remains of a claim.
of preparing a claim, or loss of earnings following 14 Any other loss connected to the event you are to your home country (the costs of burial or
bodily injury or illness. claiming for unless the insurer specifically provides cremation is not included) or funeral expenses
b Any costs for; cover under this policy. including burial or cremation incurred abroad up
i telephone calls (other than the first call to the 15 Any disinclination to travel. to £1,000.
medical emergency assistance service to notify 16 Any benefit hereunder to the extent that the
2 Diagnostic tests - Up to £10,000
them of a medical problem requiring provision of such cover, payment of such claim or
The insurer will pay up to £10,000 for diagnostic
hospitalisation); or provision of such benefit would expose the insurer
tests incurred outside your home country.
ii taxi fares (unless a taxi is being used in place of to any sanction, prohibition or restriction under
an ambulance to take you to or from a hospital); United Nations resolutions or the trade or 3 In-patient benefit - Up to £200
or economic sanctions, laws or regulations of the In addition to the costs referred to above, the insurer
iii food and drink expenses (unless these form part European Union, United Kingdom or United States will also pay the sum of £20 compensation for each
of your hospital costs if you are kept as an of America. complete day, up to £200, that you are admitted to
in-patient). hospital outside your home country.
14 15notice or inquest connected to circumstances which
WHAT YOU ARE NOT COVERED FOR 7 Dental treatment to provide, replace or repair d bodily injury caused directly or indirectly in
may lead to a claim under this section.
Exclusions applicable to Section A caps, crowns or bridges other than the relief of connection with: the ownership, possession or
pain and suffering. occupation of land or buildings, immobile 2 No admission, offer, promise, payment or indemnity
The insurer shall not pay for any claim directly or
8 Any form of treatment or surgery which in the property or caravans or trailers, any wilful or shall be made by or on your behalf without the
indirectly caused by, arising or resulting from, or in
opinion of the medical emergency assistance malicious act, carrying on of any trade, insurer's prior written consent.
connection with:
1 Travel against any health requirements stipulated service can be reasonably delayed until you business or profession, any racing activity; 3 Every claim notice, letter, writ or process or other
by the carrier, their handling agents or any other return to your home country. e fraudulent, dishonest or criminal acts of you or document served on you shall be forwarded to the
public transport provider. 9 Any medical treatment and associated costs you any person authorised by you. insurer immediately upon receipt.
2 A pre-existing medical condition unless the have to pay following your refusal of curtailment, f any claim resulting from venereal disease,
4 The insurer shall be entitled to take over and
insurer has agreed to provide cover and you or your decision not to move hospital or return to sexually transmitted diseases, infection with the
conduct in your name the defence or settlement
have paid any additional premium required. your home country after the date when, in the Human Immunodeficiency Virus (HIV) or
of any claim or to prosecute in your name for the
3 The cost of medical or surgical treatment of any opinion of the medical emergency assistance Acquired Immune Deficiency Syndrome (AIDS) or
insurer's own benefit any claim for indemnity or
kind received by you later than 52 weeks from service, you should have done so. AIDS Related Complex (ARC) howsoever this
damages against all other parties or persons.
the date of the accident or commencement of the 10 Accommodation and travel expenses where the syndrome has been acquired or may be named;
transport and/or accommodation used are of a g any claim assumed by you under any contract 5 The insurer may at any time pay you in connection
illness.
standard superior to that of the trip unless agreed or agreement unless such liability would have with any claim(s) up to £2 million (after deduction
4 Medical expenses incurred in your home country.
by the medical emergency assistance service. attached in the absence of such contract or of any sums already paid as compensation) or
5 A claim that is not verified by a medical report
11 Medication you are taking before and which agreement; any lesser amount for which such claim(s) can be
whilst travelling.
you will have to continue taking during your trip h punitive or exemplary damages. settled. Once this payment is made the insurer shall
6 Elective or cosmetic surgery is excluded except in
(except in the event of accidental loss or damage relinquish the conduct and control and be under no
the event of reconstruction following an accident.
to that medication). Provided that further liability in connection with such claim(s) except
Any procedures require advance approval from
12 A policy excess which will apply to this section, for the payment of costs and expenses recoverable or
the medical emergency assistance service. 1 You or your legal representatives give the insurer
please refer to 'General exclusions'. incurred prior to the date of such payment.
written notice immediately you receive any prosecution
Section C - Personal accident
Section B - Personal liability
WHAT YOU ARE COVERED FOR Loss of sight:
WHAT YOU ARE COVERED FOR Up to £25,000 total and irrecoverable loss of sight which shall be
3 The insurer will not pay any liability for: considered as having occurred:
Up to £2 million a bodily injury, illness or disease of any person In the event of you sustaining bodily injury arising
a in both eyes if your name is added to the Register
The insurer will pay up to £2 million (inclusive of who is your close relative, travelling wholly and exclusively from violent accidental external
of Blind Persons on the authority of a fully qualified
legal costs and expenses) if you become legally liable companion, or under a contract of and visible means which injury shall solely and
ophthalmic specialist.
to pay damages in respect of: employment, service or apprenticeship with independently of any other cause result in your death
b in one eye if the degree of sight remaining after
1 Accidental bodily injury, including death, illness you when the bodily injury, illness or disease or disablement within twelve calendar months of the
correction is 3/60 or less on the Snellen Scale.
and disease to a person; and/or arises out of and in the course of their injury, the insurer will pay the following sums insured:
employment with you; Permanent total disablement:
2 Accidental loss of or damage to property during 1 Death, or £10,000
b loss or damage to property belonging to or held A disability which has lasted for at least 12 months
the period of insurance. 2 Loss of sight of one or both eyes, or £25,000 from which the insurer believes you will never recover
in trust by or in the custody or control of you
The insurer will indemnify you for all such damages other than temporary accommodation occupied 3 Loss of one or more limbs, or £25,000 and which prevents you from carrying out any gainful
in respect of each occurrence or a series of by you during the period of insurance; occupation for which you are reasonably qualified by
4 Permanent total disablement £25,000
occurrences arising directly or indirectly from one c bodily injury or damage caused directly or way of training, education or experience.
source or original cause. Provided that
indirectly in connection with the ownership, Note
possession or use by you or on behalf of you a the benefit payable under 1 above is reduced to
£1,000 if you are under 16 years of age or 66 If you were already disabled before the bodily
of: aircraft, hovercraft, watercraft (other than injury or already had a condition which is
WHAT YOU ARE NOT COVERED FOR non-mechanically powered watercraft), years of age or over at the time of death
gradually getting worse, the insurer may reduce
Exclusions applicable to Section B mechanically propelled vehicles (other than b the total compensation in respect of any one their payment. Any reduced payment will be based
1 The insurer will not pay the policy excess as wheelchairs, electric wheelchairs and mobility insured person shall not exceed £25,000. on their medical assessment of the difference
shown in the 'General exclusions' section. scooters, golf buggies used on golf courses between:
Section specific definitions
2 The insurer will not pay for anything mentioned in and not on public roads), firearms (other than 1 the disability after the bodily injury; and
the 'General exclusions' section. sporting guns); Loss of one or more limbs: 2 the extent to which the disability is affected by
loss or severance at or above the wrist or ankle or the disability or condition before the accident
total permanent loss of use of an entire arm or leg.
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