TRAVEL IN SAFE HANDS - Extensive Cover & Outstanding Value Single & Annual Multi Trip Policy - Trailfinders
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TRAVEL IN
SAFE HANDS
© jakub krechowicz - alamy
Extensive Cover & Outstanding Value
Single & Annual Multi Trip Policy
2 018 (2nd Edition)
Trusted for over 47 yearsINITIAL DISCLOSURE DOCUMENT POLICY DOCUMENT
The Financial Conduct Authority Your Policy This Policy Document, Booking Invoice or Validation worn, used or carried by the Insured Person during
The Financial Conduct Authority (FCA) is an Should you mislay your policy a replacement will be Certificate (as applicable) and any endorsements set any insured trip.
independent watchdog that regulates financial issued upon written request. out the terms of the one contract between the Insured
services. It requires us to give you this document. Person(s) and the Insurer and which sections of cover Close Relative
Governing Law and Language
Please use the information below to confirm that the are operative. Means mother, father, sister, brother, wife, husband,
The law of England and Wales allows the parties to
service we are offering is right for you. partner (including common law and civil
choose the law applicable to the contract. You agree
Please read all of these documents to make sure they partnerships), son, daughter (including
Who regulates us? that; 1. this Policy will be governed and interpreted
provide the cover required. fostered/adopted), grandparent, grandchild, parent
Trailfinders Ltd, 194 High Street Kensington, London in accordance with the law of England and Wales
in law, son in law, daughter in law, brother in law,
W8 7RG (registration No.413814) is an Appointed and the English Courts will have exclusive jurisdiction If they are not correct, or do not meet your Demands sister in law, step parent, step child, step sister, step
Representative of Campbell Irvine Ltd (registration in any dispute; and 2. communication of and in and Needs, please immediately return them within brother or legal guardian.
No.306242) who is authorised and regulated by the connection with this Policy shall be in the English the 21 day Cooling Off Period.
Financial Conduct Authority. You may check this on language. Dependent Business Partner
the Financial Services register www.fca.org.uk or by You must take reasonable care not to make any Means a person in the same employ as you who’s
If AXA have to cancel your policy
contacting them on Tel: +44 (0) 800 111 6768. misrepresentations and to provide complete and absence from work necessitates your presence.
If Insurers no longer wish to offer this Policy and need
accurate answers to the questions we ask when you
Which service will we provide you with? to cancel, we will write to you at the current address
take out, make changes to, your Policy. If you fail to Diagnostic Tests
We do not recommend products after assessing your we have. The Policy will then be cancelled 30 days
do so, your Policy may be void, or it may be All laboratory and imaging (invasive and non-
needs for Travel Insurance. We will ask you questions after the date of our letter. If the Policy is cancelled,
cancelled, or your claim may be rejected or not fully invasive) tests ordered by the treating doctor to help
to determine that the product we are offering is we will refund any premium you paid in respect of
paid. diagnose or rule out a suspected illness or condition
applicable to your circumstances. You can then the cancelled period, provided you have not made a
including PET scans, CT scans, MRIs, EKGs, EMGs,
choose whether you wish to proceed with this claim under the Policy during that Period of This insurance is underwritten by AXA Travel X-rays, echocardiograms, cardiac nuclear studies or
product. Insurance. Insurance who are an Appointed Representative of cardiovascular procedures such as coronary
What will you have to pay us for our services? Inter Partner Assistance S.A., an insurance company angiograms plus blood, urine or histopathological
Other taxes or costs
We may charge an administration fee to cover any incorporated in Belgium, whose registered office is tests.
Other taxes or costs may exist which are not imposed
amendments to your travel insurance policy after it at Avenue Louise, 166 –Bte 1 – 1050 Brussels,
or charged by us.
has been issued. Details will be provided to you at regulated by the Belgium Financial Services and Home Country
the time. What to do if you have a complaint Markets Authority and by the National Bank of Means the country that the Insured Person normally
Please see the complaints procedure detailed in the Belgium under code number 0487. Inter Partner resides in.
Are you covered by Financial Services Policy Document. Assistance S.A. is a member of the AXA Group.
Compensation Scheme (FSCS)? Insured Person
These details can be checked on the Financial
In the unlikely event of the Insurer being unable to DEMANDS & NEEDS Means any person named on the Booking Invoice or
Services Register by visiting: www.fca.org.uk or
meet their liabilities, you may be entitled to Validation Certificate (as applicable).
contacting the Financial Conduct Authority on 0800
compensation under the Financial Services This travel insurance policy will suit the demands 111 6768. FCA address: 25 The North Colonnade, Mechanical Tampering:
Compensation Scheme. Their contact details are: and needs of an individual, or group (where London E14 5HS. Means the manipulation of an ATM through
Financial Services Compensation Scheme Tel: 0800 applicable) who have no excluded Pre-existing
678 1100 or 020 7741 4100. www.fscs.org.uk 10th mechanical means, insertion of mechanical devices
Medical Conditions, are travelling to countries DEFINITIONS OF WORDS
Floor, Beaufort House, 15 St Botolph Street, London, or attachment of devices for the purpose of
included within the policy terms and who wish to
EC3A 7QU. Any word or expression to which a specific meaning diverting, capturing or otherwise obtaining account
insure themselves against the unforeseen
has been attached will bear the same meaning information or access to an Insured Person's
Settlement Terms circumstances/events detailed in this policy
throughout this Policy Document. For ease of account.
We will be responsible for collecting payment for all document. Subject to terms and conditions and
maximum sums insured. reading the definitions are highlighted by the use of
premiums and any alterations as soon as practicable Medical Condition
bold print and will start with a capital letter.
but prior to inception of your policy. All premiums Means any disease, illness or injury.
Important
paid to us will be held as Agent of the Insurer in our ATM:
This policy will have been sold to you on a non- Medical Practitioner
non Statutory Trust Bank Account. All premiums are Means an automatic electronic device designed to
advised basis and it is therefore important for you Means a registered practising member of the
protected under Risk Transfer agreement with the permit the Insured Person to interface with a
to read this Policy Document (paying particular medical profession who is not related to the Insured
Insurers. You will be responsible for paying promptly financial institution without teller assistance using a
attention to the Terms and Conditions and Person or any person with whom they are travelling.
all of our payment requests for premiums, to enable cash card, credit card, debit card or device used for
Exclusions) and ensure that your chosen policy
us to make the necessary payments to Insurers. We similar purpose. Policy Excess
meets all of your requirements. If upon reading this
accept payment by cash, cheque, selected Under some sections of the policy an excess will
Policy Document you find it does not meet all of Baggage
credit/debit cards and bank transfer. apply to each claim, per section, for each separate
your requirements, please refer to the relevant Means luggage, clothing, personal effects,
cooling off/policy cancellation section. incident payable per Insured Person. This means
Valuables and other articles (but excluding personal
that each Insured Person will be responsible for
money, tickets or documents of any kind) which
paying the first part of the claim for each incident
belong to the Insured Person (or for which the
giving rise to a separate claim.
Insured Person is legally responsible) which are
1 2Pre-existing Medical Condition producing) micro-organism(s) and/or biologically
Means: produced toxin(s) (including genetically modified SCHEDULE OF COVER
a) Any respiratory condition (relating to the lungs or organisms and chemically synthesised toxins), or
breathing), heart condition, stroke, Crohn’s disease, any solid, liquid or gaseous chemical compound
epilepsy, allergy, or cancer for which you have ever which, when suitably distributed; which is capable Sums Insured Per Person up to Excess per person
received treatment (including surgery, tests or of causing incapacitating disablement or death
investigations by your doctor or a amongst people or animals. A Emergency Medical Expenses £10,000,000 £75
consultant/specialist or prescribed drugs
/medication). Valuables Diagnostic Tests £10,000 £75
Means audio, visual, video, photographic,
b) Any psychiatric or psychological condition computer, laptops, iPad and/or android tablet or
(including anxiety, stress and depression); for which
In Patient Benefit £300 Nil
similar device, and portable navigation equipment,
you have suffered from or received medical advice ipods, ipod touch and/or accessories, ebook Criminal Injuries £5,000 Nil
or treatment for or been prescribed medication for in readers, jewellery, furs, gold and silver items,
the last 5 (five) years. watches, binoculars, musical instruments, electronic Additional Mountain Rescue £2,000 £75
c) Any Medical Condition for which you have games and sports equipment.
received surgery, in-patient treatment or B Personal Liability £2,000,000 £250
investigations in a hospital or clinic within the last 12 Volunteering
(twelve) months, or are prescribed drugs Means an Insured Person’s participation in C Personal Accident £25,000 Nil
/medication. community or wildlife based conservation/project
work when arranged by a professional D Cancellation or Curtailment £5,000 £75
Seat Bumping organisation. This includes caring and teaching;
Means an airline involuntarily denying boarding to and may also include supervised E Delayed Departure or Arrival £100 Nil
a paid passenger ticket for the purpose of oversold building/renovation projects if the activity does not
conditions, weight restrictions or a seat malfunction. Cancellation due to
form part of the Insured Person’s usual occupation
Strike or Industrial Action or involve the use of plant/trade/industrial Delayed Departure £2,000 Nil
Means any form of industrial action taken by machinery, or non domestic powertools.
workers which is carried on with the intention of Hi-jack of Aircraft £3,000 Nil
preventing, restricting or otherwise interfering with Winter Sports Equipment
the production of goods or the provision of services. Means Skis (including bindings), ski boots, ski poles Interruption of Transport £300 Nil
and snowboards.
Terrorism (including Cyber Terrorism) Seat Bumping £200 Nil
Means an act, or acts, of any person, or group of
persons, committed for political, religious, F Personal Effects £2,000 £75
ideological or similar purposes with the intention to
influence any government and/or to put the public, Money £500
or any section of the public, in fear, including but not
be limited to, the actual use of force or violence Tickets £1,500
and/or the threat of such use. Furthermore, the
perpetrators of a terrorist activity can either be
Passport and Visas £250
acting alone, or on behalf of, or in connection with Temporary Loss of Baggage £100 Nil
any organisation or government.
Travelling Companion Cyber & ATM Theft £300 Nil
Means a person that the Insured Person has
G Legal Expenses £50,000 £250
arranged to undertake their journey with if it would
be unreasonable to expect the Insured Person to H Winter Sports Extension Optional £75
continue their journey without that person.
Unattended
I Cruise Extension Optional £75
Means when the Insured Person is not in full view of
and not in a position to prevent unauthorised Please Note: this is only a summary of the sums insured and Policy Excess, full details are contained
interference with their property. within the benefits section of this Policy Document.
Utilisation of Nuclear, Chemical or Biological
Weapons of Mass Destruction
Means the use of any explosive nuclear weapon or
device; or the emission, discharge, dispersal,
release or escape of: fissile material emitting a level
of radioactivity, or any pathogenic (disease
3 4THIS IS NOT PRIVATE MEDICAL INSURANCE. HOW TO DISCLOSE PRE-EXISTING
24 HR MEDICAL EMERGENCIES A note to all Insured Persons, doctors and hospitals. MEDICAL CONDITIONS
This is not a private medical insurance. If any
The medical screening helpline is optional for those
From within the USA & Canada: medical treatment is needed, you must tell us
immediately or we may not guarantee medical persons wishing to establish if additional cover may
be offered to include Pre-existing Medical
(Toll Free) 1-800-848-2350 expenses. If you need any medical treatment, you
must allow the Medical Emergency Assistance Conditions. You will be asked for your personal and
Service to see all of your medical records and travel details. Please have your insurance policy
number to hand if known.
or information.
You will be advised whether the Pre-existing
HEALTH DECLARATION Medical Condition may be covered, an optional
From the rest of the World: & HEALTH EXCLUSIONS additional premium may be quoted and whether
any amendments will be made to the policy terms
Important Declaration and conditions. If terms can be provided for the
+44 (0) 203 318 8486 Anyone named under this Policy must have read this condition and you elect to take up the offer of the
Important Declaration and understood the terms, additional cover, you will be given a medical
conditions and exclusions relating to the health of screening reference number and a letter will be sent
The Medical Emergency Assistance Service will require the following information you and anyone else upon whom your trip depends. to you upon receipt of payment. Any additional
premiums must be paid directly to the medical
to assist in validating cover: This Policy contains health restrictions that apply to screening helpline and not the company you are
your cover under certain sections of this Policy. This arranging your travel insurance with.
Scheme reference: CIAXA18TRAU Policy can only provide cover in respect of an Should you not contact the medical screening
accident or illness which is sudden, unforeseen and helpline or not wish to take advantage of the
. Booking Invoice or Validation Certificate number beyond your reasonable control. optional terms quoted by the medical screening
. Dates of travel Cover is excluded for any defined Pre-existing helpline, or if you fail to declare any Medical
Medical Condition. If in doubt please call the Conditions, you will not be covered for any claims
. Contact details of treating hospital arising from all Medical Conditions or linked
medical screening helpline, in confidence on:
. Signed Medical Consent Form 01702 427 237 conditions from a Pre-existing Medical Condition.
There is no cancellation or curtailment cover for a
Definition of a Pre-Existing Medical Condition:
IMMEDIATE CONTACT MUST BE MADE with the Medical Emergency Assistance a) Any respiratory condition (relating to the lungs or
Pre-existing Medical Condition of persons not
necessarily travelling but upon whom travel
Service in the event of death, injury or illness necessitating hospitalisation, breathing), heart condition, stroke, Crohn’s disease, depends, such as a Close Relative, unless you are
epilepsy, allergy, or cancer for which you have ever
repatriation, alteration to travel plans or curtailment of travel. received treatment (including surgery, tests or
able to agree to the ‘NON-TRAVELLING RELATIVES’
section of this policy.
investigations by your doctor or a
The Medical Emergency Assistance Service may require written consent to contact the consultant/specialist or prescribed drugs You should also refer to the General Exclusions of
Insured Person's usual Medical Practitioner to obtain details of any past medical /medication). this Policy Document.
history specifically relating to a claim under this insurance before confirming cover. b) Any psychiatric or psychological condition If you fail to declare a Medical Condition and the
(including anxiety, stress and depression); for which policy would have still been issued to you but for an
you have suffered from or received medical advice additional premium the insurer may decide to make
NOTE: THE INSURED PERSON’S FAILURE TO CONTACT THE MEDICAL EMERGENCY or treatment for or been prescribed medication for in a proportionate settlement in line with the premium
the last 5 (five) years. you have paid.
ASSISTANCE SERVICE MAY RESULT IN A CLAIM BEING REDUCED OR DECLINED. c) Any Medical Condition for which you have
received surgery, in-patient treatment or
HOW TO MAKE A CLAIM investigations in a hospital or clinic within the last 12
(twelve) months, or are prescribed drugs
NON EMERGENCY CLAIMS PROCEDURE /medication.
Notice must be given within 45 days of the date of occurrence of any claim under this Insurance.
To submit a claim online please go to: www.submitaclaim.co.uk/tf
Alternatively to notify a claim and download a claim form please contact the claims handlers:
www.csal.co.uk
Claims Settlement Agencies 308-314 London Road, Hadleigh, Essex SS7 2DD
Tel: 01702 553 443 Email: info@csal.co.uk
5 6CHANGE OF HEALTH GENERAL ENQUIRIES PERIOD OF INSURANCE will remain in force until completion but not
exceeding a further 31 days on a day by day basis,
If, after purchasing your Policy but before departing If you have any general queries concerning this The period that you are insured for as shown on your without additional premium.
on your trip or booking another trip, there is a Insurance, or if there is anything you do not Booking Invoice or Validation Certificate (as In the event of an Insured Person being hijacked,
change in Medical Condition(s) or development of a understand, please contact the Insurance Brokers applicable). cover shall continue whilst the Insured Person is
new condition for you or anyone insured under this who arrange the scheme: subject to the control of the person(s) or their
Policy, you must contact the Medical Screening Campbell Irvine Limited, 52 Earls Court Road, Single Trip
Cover under Section D – Cancellation starts from the associates making the hijack during the Period of
helpline on 01702 427 237 as soon as possible. Kensington, London W8 6EJ Insurance for a period not exceeding twelve months
Tel: 0207 938 1734. date stated on your Booking Invoice or Validation
We will assess the change in health and confirm if Certificate (as applicable) and ends when the Insured from the date of the hijack.
cover for the Medical Condition(s) can continue for Person leaves their residence or place of business to Please ensure you arrange cover for the entire
further trips. If we can continue to offer you cover COMPLAINTS PROCEDURE
commence travel. Cancellation cover shall only apply duration of your travel.
there may be a further charge applied in order to If you have a complaint in relation to your Policy for a period of up to 24 months prior to the trip
cover this change or new condition. If we cannot Document or to the handling of your claim, please departure date stated on your Booking Invoice or IMPORTANT INFORMATION
continue to offer you cover, you can either submit a contact: Validation Certificate (as applicable).
cancellation claim if you have booked and paid for The Insured Person must comply with all the terms
Claims Settlement Agencies Limited Cover under all other sections of the policy starts
a trip that you have not yet made; or cancel your and conditions stated in this Policy Document,
308-314 London Road, Hadleigh, Essex, SS7 2DD. when the Insured Person leaves their normal
Policy and we will send you an appropriate refund exercise reasonable care, and act as if uninsured
Tel: +44 (0) 1702 553 443 residence or place of business to commence their trip
as long as you have not travelled or made a claim. at all times to have the full protection of their policy.
Email: info@csal.co.uk or from the date shown on the Booking Invoice of
If you fail to declare a change in health, claims Validation Certificate (as appropriate). If the Insured Person does not comply the Insurer
If you have a complaint in relation to how your
arising from all Medical Conditions or linked may at their option cancel the policy or refuse to
Policy was sold please contact: All cover ends on the Insured Person’s return home,
conditions may not be paid. deal with the claim or reduce the amount of any
The General Manager, Campbell Irvine Ltd, 52 Earls within 24 hours of their return to their Home Country, claim payment.
NON TRAVELLING RELATIVES Court Road, Kensington, London W8 6EJ. or at the expiry of the Period of Insurance, whichever
Tel: +44 (0) 207 938 1734 is first. General Conditions
You may have a Close Relative with a Medical For One Way Travel, all cover ceases on arrival at 1. At the time of purchasing this insurance you will
The existence of this complaint procedure does not
Condition who is not travelling with you. In some final destination. have been asked questions to enable us to assess
reduce your statutory rights relating to this Policy.
cases, if their state of health deteriorates greatly, you your risk. These may include but are not limited to
For further information about your statutory rights
may want to cancel or curtail your trip. Subject to all Annual Multi Trip
contact the Office of Fair Trading or Citizens Advice questions about your state of health or that of an
the other terms and conditions, such claims are Any one trip shall be limited to a maximum duration
Bureau. immediate relative or any planned sports or activities.
covered if the relative’s doctor is prepared to state of 70 days. For any trip known to be exceeding the
If your complaint relates to insurance purchased You must take reasonable care to answer these
that at the date you bought this policy, he/she would maximum duration, the entire period of travel
from us via electronic means, you are also able to questions completely and accurately. If the answers
have seen no substantial likelihood of his/her including the first 70 days will not be insured.
use the EC On-line Dispute Resolution (ODR) given change after the Policy was purchased you
patient’s condition deteriorating to such a degree Cover under Section D – Cancellation starts from must notify us of this change. Upon any failure to
that this would become necessary. If the doctor will platform at http://ec.europa.eu/consumers/odr/
either the date shown on your Booking Invoice or answer the questions completely, accurately or
not confirm this, your claim is not covered. who will notify the Financial Ombudsman Service
Validation Certificate (as applicable), or the booking honestly, or to inform us of any change, your Policy
on your behalf.
date of each individual trip to which this insurance may be declared void, or be cancelled, or we may
PREGNANCY BEYOND YOUR INSURER relates, whichever is the latter. refuse to pay your claim in full or in part, or we may
Normal pregnancy, without any accompanying If we have given you our final response and you are Cover under all other sections of the policy starts from revise the premium due or we may change any Policy
bodily injury, illness, disease or complication is not still dissatisfied you may refer your case to the date shown on your Booking Invoice or Validation Excess, or the extent of your cover under the Policy
covered under this Policy. This Policy is designed to Financial Ombudsman Service (Ombudsman). The Certificate (as applicable), or the time you leave your may be affected.
provide cover for unforeseen events, accidents, FOS is an independent body that arbitrates on normal residence or place of business to commence 2. This Insurance is available for holiday or business
illnesses and diseases and normal childbirth would complaints about general insurance products. It will your trip on the departure date of each individual trip travel but excludes overseas residency, permanent
not constitute an unforeseen event. Cover can only only consider complaints after we have provided to which this insurance relates, whichever is the latter. overseas employment, work of a predominantly
be considered where there is a complication of you with written confirmation that our internal Cover for each trip ends on the Insured Person’s manual nature (other than Volunteering) or any
pregnancy or if you were unaware of the pregnancy complaints procedure has been exhausted. return home or within 24 hours of their return to their hazardous activity not agreed on behalf of the
at the time of purchasing the insurance or booking The Ombudsman can be contacted at: Home Country, whichever is first. All cover under the Insurer.
a trip (whichever is later) and you are advised not to Insurance Division, Financial Ombudsman Service, Policy ends on the expiry of the Period of Insurance 3. This Insurance is not available to any person aged
travel by a Medical Practitioner. Exchange Tower, Harbour Exchange Square, as shown on your Booking Invoice or Validation 76 years or more at the date of payment of insurance
Airlines and ferry companies have their own London E14 9SR. Certificate (as applicable). premium.
restrictions due to health and safety requirements so Tel: 0300 123 9123 (freephone number for mobile 4. That you contact the Medical Emergency
Automatic Trip Extension
please ensure that you check with them or with any users) or 0800 023 4567 (freephone number for a Assistance Service as soon as possible with full details
If the Insured Person is prevented from completing
other transport provider before you book the trip. landline). of anything which may result in a claim as a result of
their travel before the expiration of this Insurance as
Please also ensure that your Medical Practitioner stated under the Period of Insurance on the Booking a medical emergency.
Email:complaint.info@financial-ombudsman.org.uk.
and midwife are aware of your travel plans, that Invoice or Validation Certificate (as applicable) for
Referral to the FOS will not affect your right to take 5. As the Insurer is based in England, they propose
there are no known complications and that you are reasons which are beyond their control, including ill
legal action against us. to apply the laws of England and Wales and having
not travelling against any medical advice. health or failure of public transport, this Insurance
www.financial-ombudsman.org.uk read and understood the terms and conditions of this
7 8policy, the Insured Person has agreed to this. English communications. IPA carry out these activities within Trailfinders Limited, 194 Kensington High Street, Should you require medical care in Europe, a
Courts will have exclusive jurisdiction in any dispute. the UK and EEA, and outside the EEA. The data London W8 7RG. European Health Insurance Card (EHIC) entitles the
Rights of Third Parties protection laws and/or the agreements we have If you cancel after the statutory 21 day Cooling Off Insured Person to reduced cost, sometimes free,
The Contracts (Rights of Third Parties) Act 1999 or entered into with the receiving parties in relation to Period no premium refund will be made. medical treatment that becomes necessary whilst
any amendment thereto shall not apply to this Policy. the processing of data outside the EEA provide a travelling in a European Economic Area (EEA)
similar level of protection to the laws and/or Non payment of premiums country or Switzerland. The EEA consists of the
Only the Insured Persons and the Insurer can enforce We reserve the right to cancel this policy immediately
any terms of this Policy which may be varied or agreements we have entered into within the EEA. European Union (EU) countries plus Iceland,
in the event of non payment of the premium. Liechtenstein and Norway. An EHIC can be obtained
cancelled without consent of any third party. By purchasing this policy and using their services,
you acknowledge that they may use your personal Fraudulent Claims by completing an application form available from
data, and consent to their use of sensitive The Insured Person must not act in a fraudulent your local Post Office or by following the online
DATA PROTECTION manner. If the Insured Person or anyone acting for information at www.ehic.org.uk.
information, both as described above. If you provide
us with details of other individuals, you agree to them: Telephone: 0300 330 1350
Details of you, your insurance cover under this policy
and claims will be held by Inter Partner Assistance inform them of the use of their data as described here • Make a claim under the policy knowing the claim Please also note that if an Insured Person has a valid
SA (IPA) (acting as Data Controller) for underwriting, and, in the IPA website, privacy notice (see below). to be false or fraudulently exaggerated in any claim for medical expenses which is reduced by their;
policy administration, claims handling, providing IPA will separately seek your consent before using or respect; or
·using an EHIC; or
travel assistance, complaints handling, sanctions disclosing your personal data to another party for the • Make a statement in support of a claim knowing
checking and fraud prevention, subject to the purpose of contacting you about other products or the statement to be false in any respect; or ·taking advantage of a reciprocal health agreement
provisions of applicable data protection law and in services (direct marketing). You may withdraw your with their Home Country; or
• Submit a document in support of a claim knowing
accordance with the assurances contained in the IPA consent to marketing at any time, or opt-out of the document to be forged or false in any respect; or ·using their private medical insurance;
website privacy notice (see below). feedback requests, by contacting the Data Protection at the point of treatment, then the Insurer will NOT
• Make a claim in respect of any loss or damage
IPA collect and process these details as necessary for Officer (see contact details below). deduct the Policy Excess.
caused by the Insured Person’s wilful act or with your
performance of the contract of insurance with you or You are entitled on request to a copy of the connivance Duplicate Insurance
complying with their legal obligations, or otherwise information IPA hold about you, and you have other If at the time of loss, theft, damage, expense or
Then:
in their legitimate interests in managing their business rights in relation to how IPA use your data (as set out liability insured by Sections A, D, E, F, G, H and I
and providing their products and services. in the IPA website privacy notice – see below). Please • The Insurer shall not pay the claim there is another insurance against such loss or any
These activities may include: let IPA know if you think any information they hold • The Insurer shall not pay any other claim which has part thereof, the Insurer shall be liable under this
a. use of sensitive information about the health or about you is inaccurate, so that it may be corrected. been made or will be made under the policy. Insurance for their proportionate share only of such
vulnerability of you or others involved in your If you want to know what information is held about • The Insurer may at their option declare the policy loss.
assistance guarantees, in order to provide the you by IPA, or have other requests or concerns void. Subrogation
services described in this policy, By using their relating to our use of your data, please write to them The Insurer is entitled to take over any rights in the
• The Insurer shall be entitled to recover from the
services, you consent to them using such information at: defence or settlement of any claim and to take
Insured Person the amount of any claim already paid
for these purposes, Data Protection Officer proceedings in the Insured Person’s name for the
under the policy.
b. disclosure of information about you and your AXA Travel Insurance Insurer’s benefit against any other party.
106-108 Station Road • The Insurer shall not make any premium returns.
insurance cover to companies within the AXA group
of companies, to service providers and agents in Redhill RH1 1PR • The Insurer may inform the Police of the CLAIM CONDITIONS
order to administer and service your insurance cover, Email: dataprotectionenquiries@axa-assistance.co.uk circumstances.
to provide you with travel assistance, for fraud Documentation:
The AXA full privacy notice is available at: All certificates, information and evidence required by
prevention, to collect payments, and otherwise as www.axa-assistance.com/en.privacypolicy RECIPROCAL HEALTH CARE
required or permitted by applicable law; the Insurer shall be furnished at the expense of the
Alternatively, a hard copy is available from them on This travel insurance policy is not a private medical Insured Person or his legal personal representatives
c. monitoring and/or recording of your telephone request.. and shall be in such form and of such nature as the
insurance and where possible every effort should be
calls in relation to cover for the purposes of record Insurer may prescribe. The Insured Person shall as
made to utilise any reciprocal health care facility.
keeping, training and quality control; often as required submit to medical examination on
COOLING OFF PERIOD Should you require medical treatment in
d. technical studies to analyse claims and premiums, behalf of the Insurer at their own expense and in the
Statutory cancellation rights Australia you MUST enrol with MEDICARE
adapt pricing, support subscription process and event of death of the Insured Person the Insurer shall
www.humanservices.gov.au. It can be done after the
consolidate financial reporting (incl. regulatory); You may cancel this policy within 21 days of receipt be entitled to have a post-mortem examination at
first occasion on which you receive treatment. In
detailed analyses on claims/missions/calls to better of the policy documents by writing to Trailfinders their own expense.
Patient and out-patient treatment at a public hospital
monitor providers and operations; analyses of Limited, 194 Kensington High Street, London W8 Recognising Our Rights:
is then available free of charge. Should you be
customer satisfaction and construction of customer 7RG. Any premium already paid will be refunded to You and each Insured Person must recognise the
admitted to hospital then immediate contact must be
segments to better adapt products to market needs; you providing you have not travelled, no claim has Insurer’s right to:
made with the Medical Emergency Assistance Service
e. obtaining and storing any relevant and been made or is intended to be made and no incident and their authority obtained in respect of any 1. Pay, repair or replace
appropriate supporting evidence for your claim, for likely to give rise to a claim has occurred. treatment not available under MEDICARE before such
the purpose of providing services under this policy choose either to pay the amount of a claim (less any
Cancellation outside the statutory 21 day Cooling treatment is provided.
and validating your claim; and Policy Excess and up to any Sum Insured limit) or
Off Period Note: Your failure to contact the Medical repair, replace or reinstate any item or property that
f. sending you feedback requests or surveys relating You may cancel this policy at any time after the Emergency Assistance Service may result in a claim is damaged, lost or stolen;
to our services, and other customer care statutory 21 day Cooling Off Period by writing to being reduced or declined.
9 102. Inspect & dispose of items GENERAL EXCLUSIONS received a terminal prognosis. quad bike or any mechanically assisted cycle on a
inspect and take possession of any item or property public highway without the appropriate driving
iii) Any Medical Condition the Insured Person is licence.
for which a claim is being made and handle any Policy Excesses – Applicable to most claims aware of but which has not had a formal diagnosis.
salvage in a reasonable manner; The Insurer shall not pay: (iv) Winter Sports, unless the appropriate premium
3. Handle a claim in your name iv) Any Medical Condition for which the Insured has been paid and is shown on the Booking Invoice
a) The first £75 of each and every claim, per Person or any other person not necessarily travelling
take over and deal with the defence or settlement of incident claimed for under each Section by each or Validation Certificate (as applicable), but always
but upon whom travel depends such as a Close excluding ski racing, ski jumping, freestyle winter
any claim in your name and keep any amount Insured Person. Relative is on a waiting list for or has knowledge of
recovered; b) The first £250 of each and every claim arising sports, ice hockey or the use of bobsleighs or
the need for surgery in a hospital; or skeletons.
4. Pay in sterling from the same incident under Sections B rented
accommodation (in respect of the use of rented B) After the date this policy was purchased including (b) Any activity where Insured Persons do not wear
settle all claims in pounds sterling; temporary accommodation only) and G Legal prior to booking any individual journey in respect of the recommended/recognised safety equipment, or
5. Be reimbursed promptly Expenses. an Annual Multi Trip Policy: do not follow the safety procedures, rules or
be reimbursed within 30 days for any costs or No Policy Excess applies to Sections C - Personal A change of health or where the cost of any claim is regulations of the activity’s organisers/providers; or
expenses that are not insured under this Policy, which Accident, D - Loss of deposit only, E - Travel Delay, increased due to a change of health, if the procedure
the Insurer pays to you or on your behalf; (c) Any activity in the air (other than as a passenger
F5 - Temporary loss of Baggage, H - Piste Closure detailed under the ‘HEALTH DECLARATION’ section in a fully licensed passenger-carrying-aircraft,
6. Receive medical certificates only and l1, l2 and l3 – Cruise Cover. has not been followed. bungee jumping or parasailing); or
be supplied at your expense with appropriate FAMILY POLICY EXCESS C) At any time:
original medical certificates where required before (d) Wilful exposure to needless danger (other than in
A discounted Policy Excess applies under family i) Any Medical Condition the Insured Person has in an attempt to save human life); or
paying a claim. policies for claims made under Sections D respect of which a Medical Practitioner has advised
7. Carry out medical examinations (Cancellation or Curtailment) and F1 (Baggage). In them not to travel or would have done so had they (e) Air travel within 24 hours of scuba diving.
request and carry out a medical examination and these circumstances the standard excess of £75 per sought his/her advice.
person is limited to the following maximum amounts Note: Exclusions 1(a), (b) and (c) are not applicable
insist on a post-mortem examination, if the law allows to cancellation claims under Section D.
them to ask for one, at their expense. per family: ii) Any surgery, treatment or investigations for which
you intend to travel outside your Home Country to Note: Please see Sporting and Hazardous Activities
Paying Claims: Family of 4: combined excess of £250 receive (including any expenses incurred due to the Section.
1. Death discovery of other Medical Conditions during and/or
Family of 5: combined excess of £300 2. Private medical treatment unless authorised by the
A. If the Insured Person is 18 years old or over, complications arising from these procedures).
claims are paid to their estate and the receipt given Family of 6: combined excess of £350 Medical Emergency Assistance Service.
to the Insurer by their personal representatives shall iii) Any Medical Condition for which the Insured
Family of 7: combined excess of £400 Person or any other person not necessarily travelling 3. Any wilfully self inflicted injury or illness, insanity,
be a full discharge of all liability by the Insurer in suicide or attempted suicide, sexually transmitted
respect of the claim. but upon whom travel depends such as a Close
Family of 8: combined excess of £450 diseases, solvent abuse, the use of drugs (other than
Relative is not taking the recommended treatment or
B. If the Insured Person is aged under 18 years, the prescribed medication as directed by a Medical medically prescribed) and the effects of alcohol.
Please also note that if an Insured Person has a
Insurer shall pay any claim to their parent or legal valid claim for medical expenses which is reduced Practitioner. 4. The Insured Person’s participation in any criminal
guardian. Their parent or legal guardian’s receipt by their;·using an EHIC; or ·taking advantage of a
iv) Pregnancy when you are expected to give birth or illegal acts.
shall be a full discharge of all liability by the Insurer reciprocal health agreement with their Home
in respect of the claim. within two months of the return date of your trip; 5.(a) Unless the Insurer provides cover under this
Country; or ·using their private medical insurance;
2. All other Claims: at the point of treatment, then the Insurer will NOT v) Participating in any activity where the Insured insurance, any other loss, damage or additional
A. If the Insured Person is 18 years old or over, the deduct the Policy Excess. Person has been advised against doing so by a expenses following on from the event for which the
Insurer shall pay the claim to that Insured Person and Medical Practitioner. Insured Person is claiming. Examples of such loss,
their receipt shall be a full discharge of all liability by The Insured Person will not be covered under Section damage, or additional expense would be the cost of
the Insurer in respect of the claim. A – Medical Expenses, Section C – Personal The Insurer shall not pay (unless agreed in writing replacing locks after losing keys, costs incurred of
Accident, Section D – Cancellation or Curtailment or by or on behalf of the Insurer) for any claim directly preparing a claim, or loss of earnings following
B. If the Insured Person is aged under 18 years, the
Section I1 and I2 for any claim directly or indirectly or indirectly caused by, arising or resulting from, or bodily injury or illness.
Insurer shall pay the appropriate benefit amount to
caused by, arising or resulting from, or in connection in connection with: (b) Any costs for;
their parent or legal guardian for their benefit. Their
with either;
parent or legal guardian’s receipt shall be a full 1.(a) (i) Mountaineering or climbing; pot-holing; (i) telephone calls (other than the first call to the
discharge of all liability by the Insurer in respect of A) At the time of taking out this policy: sports tours; motorised competitions; racing; Medical Emergency Assistance Service to notify them
the claim. competing in or practicing for speed or time trials of of a medical problem requiring hospitalisation); or
i) Any Pre-existing Medical Condition unless you
Please refer to the Claims Checklist at the back of this have contacted the medical screening helpline on any kind; or (ii) taxi fares (unless a taxi is being used in place of
policy document for a list of documentation required 01702 427 237 and the Insurer has agreed to an ambulance to take you to or from a hospital); or
(ii) Travelling by motorcycle, unless in respect of
by Claims Handlers to process a claim. provide cover and you have paid the additional motorcycles hired or borrowed during the Period of (iii) food and drink expenses (unless these form part
premium required. Insurance, and the Insured Persons are wearing of your hospital costs if you are kept as an inpatient).
ii) Any Medical Condition that the Insured Person or crash helmets; or
6. Any exposure to the Utilisation of Nuclear,
any other person not necessarily travelling but upon (iii) Driving a motor vehicle or riding a motorcycle, Chemical or Biological Weapons of Mass
whom travel depends such as a Close Relative has Destruction.
11 127.(a) Ionising radiation or contamination by SECTION A: EMERGENCY complete day, up to £300, that the Insured Person
2. a Pre-existing Medical Condition unless the
radioactivity from any nuclear fuel or from any MEDICAL EXPENSES is admitted to hospital outside their Home Country.
Insurer has agreed to provide cover and you have
nuclear waste resulting from the combustion of
4. Criminal Injuries. Up to £5,000 paid the additional premium required.
nuclear fuel; or WHAT YOU ARE COVERED FOR
Should an Insured Person be admitted to hospital as 3. the cost of medical or surgical treatment of any
(b) The radioactive, toxic, explosive or other 1. Emergency Medical, Repatriation and
an in-patient as a result of receiving Criminal kind received by the Insured Person later than 52
hazardous properties of any explosive nuclear Associated Expenses. Up to £10,000,000
Injuries following a personal assault verified by a weeks from the date of the accident or
assembly or nuclear component of such assembly.
Should an Insured Person suffer accidental bodily written report that substantiates the injuries resulted commencement of the illness.
8. Sonic or pressure waves from aircraft and other injury or become ill (including compulsory from an unprovoked personal assault, the In Patient 4.medical expenses incurred in an Insured
airborne devices travelling at sonic or supersonic quarantine on the orders of a treating Medical Benefit payable under Section A3 above is Person’s Home Country.
speeds. Practitioner) the Insurer will pay: increased to £100 each complete day, up to
5. a claim that is not verified by a medical report
£5,000, that the Insured Person is admitted to
9. Any consequence of any act of war, invasion, act i) normal and necessary receipted expenses of whilst travelling.
hospital outside of their Home Country.
of foreign enemy, hostilities (whether declared or emergency medical or surgical treatment incurred 6. elective or cosmetic surgery is excluded except
not), civil war, civil commotion, rebellion, revolution, outside the Insured Person’s Home Country 5. Additional Mountain Rescue. Up to £2,000 in the event of reconstruction following an
insurrection, military force, any act of Terrorism including, emergency dental treatment to relieve Should an Insured Person require Mountain Rescue accident. Any procedures require advance
(including Cyber Terrorism) where you are actively pain and suffering (limited to £250), specialists or Services during the Period of Insurance deemed approval from the Medical Emergency Assistance
engaged and/or where you have travelled and/or ophthalmic fees, hospital, nursing attendance necessary by the local Rescue Authorities and Service.
you remain contrary to Foreign & Commonwealth charges, physiotherapy, massage and manipulative approved by the Insurer's Medical Emergency 7. dental treatment to provide, replace or repair
Office travel advice. treatment, surgical and medical requisites, Assistance Service, the Insurer will reimburse all caps, crowns or bridges other than the relief of
decompression chambers, ambulance / necessary receipted costs incurred to provide Mountain Rescue pain and suffering.
10. Any Insured Person’s travel to a country, specific
transport charges (including helicopter/air Services up to the Sum Insured in order to preserve
area or event to which the Travel Advice unit of the 8. any form of treatment or surgery which in the
ambulance charges if necessary on medical the life of an Insured Person in the event of a non
British Foreign and Commonwealth Office or the opinion of the Medical Emergency Assistance
grounds and authorised by the Emergency Medical medical emergency.
World Health Organisation has advised against Service can be reasonably delayed until the
Assistance Service; or their Agents).
travel, unless agreed by or on behalf of the Insurer. Specific Conditions applicable to A5. Additional Insured Person’s return to their Home Country.
Note: The Insurer reserves the right to repatriate Mountain Rescue. 9. any medical treatment and associated costs you
11. Any search or ship to shore rescue costs (cost
the Insured Person to their Home Country when in have to pay following your refusal of curtailment,
charged to you by a Government, regulated authority 1. Contact must be made with the Medical
the opinion of the Medical Emergency Assistance or your decision not to move hospital or return to
or private organisation concerned with finding and Emergency Assistance Service on:
Service, the Insured Person is fit to travel. your Home Country after the date when, in the
rescuing an individual). This exclusion does not
include medical evacuation costs by the most +44 (0) 203 318 8486 as soon as possible; opinion of the Medical Emergency Assistance
ii) reasonable additional accommodation and
appropriate transport detailed in Section A1, or non repatriation expenses incurred by an Insured 2. All reasonable local safety advice has been Service, you should have done so.
medical Mountain Rescue Costs detailed in Section Person and any one member of the family or party obtained and followed; 10. accommodation and travel expenses where
A5. who has to remain or travel with the injured, ill or hi- the transport and/or accommodation used are of
jacked Insured Person, certified by a Medical 3. Expenses are only payable for the Insured a standard superior to that of the trip unless
12. Any circumstances the Insured Person is aware Person’s proportion of the Mountain Rescue
Practitioner to be strictly necessary on medical agreed by the Medical Emergency Assistance
of that could reasonably be expected to give rise to operation up to the Sum Insured.
grounds, and approved by the Medical Emergency Service.
a claim on this policy unless the Insured Person has
Assistance Service. 4. Costs will only be covered up to the point when 11. medication an Insured Person is taking before
been given the Insurer’s written agreement.
iii) the travel and reasonable accommodation the Insured Person is recovered by the Mountain and which they will have to continue taking during
13. The financial failure of a tour operator, travel Rescue Services or at the time when the authorities their trip (except in the event of accidental loss or
expenses of one person to travel from their country
agent, transport provider, accommodation provider, advise that continuing the rescue is no longer viable. damage to that medication).
of residence if their presence is strictly necessary on
ticketing agent or excursion provider.
medical grounds. 5. A written statement from the appropriate local 12. a Policy Excess which will apply to this section,
14. Any other loss connected to the event you are Rescue Authorities involved in the rescue must be please refer to General Exclusions.
iv) the cost of transporting the remains of an Insured
claiming for unless the Insurer specifically provides obtained and provided to the Insurer in the event of
Person to their former Home Country up to £7,500
cover under this policy. a claim.
(the costs of burial or cremation is not included) or SECTION B: PERSONAL LIABILITY
15. Any disinclination to travel. funeral expenses including burial or cremation
incurred abroad up to £1,000. WHAT YOU ARE NOT COVERED FOR
WHAT YOU ARE COVERED FOR
16. Any benefit hereunder to the extent that the EXCLUSIONS APPLICABLE TO SECTION A1, A2,
provision of such cover, payment of such claim or 2. Diagnostic Tests The Insurer will pay up to £2,000,000 (inclusive of
A3, A4 and A5.
provision of such benefit would expose the Insurer to legal costs and expenses) if the Insured Person
The Insurer will pay up to £10,000 for Diagnostic The Insurer shall not pay for any claim directly or
any sanction, prohibition or restriction under United becomes legally liable to pay damages in respect of:
Tests incurred outside the Insured Person’s Home indirectly caused by, arising or resulting from, or
Nations resolutions or the trade or economic Country. 1. accidental bodily injury, including death, illness
in connection with:
sanctions, laws or regulations of the European Union, and disease to a person; and/or
United Kingdom or United States of America. 3. In Patient Benefit. Up to £300 1. travel against any health requirements
2. accidental loss of or damage to material property
In addition to the costs referred to above, the Insurer stipulated by the carrier, their handling agents or
(property that is both material and tangible); arising
will also pay the sum of £20 compensation for each any other public transport provider.
during the Period of Insurance, the Insurer will
indemnify the Insured Person for all such damages
13 14in respect of each occurrence or a series of Provided that Definitions • a Dependent Business Partner;
occurrences arising directly or indirectly from one 1. The Insured Person or their legal representatives Loss of One or More Limbs: loss or severance at or of the Insured Person or insured Travelling
source or original cause. will give the Insurer written notice immediately if the above the wrist or ankle or total permanent loss of Companion which necessitates the presence of the
Insured Person has received notice of any use of an entire arm or leg. person concerned.
WHAT YOU ARE NOT COVERED FOR prosecution or inquest in connection with any Loss of Sight: total and irrecoverable loss of sight
EXCLUSIONS APPLICABLE TO SECTION B. circumstances which may give rise to liability under which shall be considered as having occurred: 3) Hijack.
1. The Insurer will not pay the Policy Excess as this section. a) in both eyes if your name is added to the Register 4) adverse weather conditions making it impossible
shown in the General Exclusions Section. 2. No admission, offer, promise, payment or of Blind Persons on the authority of a fully qualified for an Insured Person to travel to initial point of
2. The Insurer will not pay for anything mentioned indemnity shall be made by or on behalf of the ophthalmic specialist. departure at commencement of outward journey.
in the General Exclusions Section. Insured Person without the Insurer’s prior written b) in one eye if the degree of sight remaining after 5) major damage or burglary at the Insured
consent. correction is 3/60 or less on the Snellen Scale.
3. The Insurer will not pay any liability for: Person's home or place of business which at the
a) bodily injury, illness or disease of any person 3. Every claim notice, letter, writ or process or other Permanent Total Disablement: A disability which request of an emergency service requires their
who is an Insured Person’s Close Relative, document served on an Insured Person shall be has lasted for at least 12 months from which the presence.
Travelling Companion, or under a contract of forwarded to the Insurer immediately upon receipt. Insurer believes the Insured Person will never
The Insurer will pay either:
employment, service or apprenticeship with an 4. The Insurer shall be entitled to take over and recover and which prevents them from carrying out
a) for Cancellation prior to departure; for the
Insured Person when the bodily injury, illness or conduct in the Insured Person’s name the defence or any gainful occupation for which they are
Insured Person's irrecoverable portion of costs; for
disease arises out of and in the course of their settlement of any claim or to prosecute in the Insured reasonably qualified by way of training, education
travel, accommodation, pre-booked excursions,
employment with an Insured Person; Person’s name for the Insurer’s own benefit any or experience.
tours, courses and/or events up to the Sum Insured
b) loss or damage to property belonging to or held claim for indemnity or damages against all other
Note: If an Insured Person was already disabled for any of the above reasons, (including Winter
in trust by or in the custody or control of an parties or persons.
before the bodily injury or already had a condition Sports Equipment hire, ski school and lift passes for
Insured Person other than temporary 5. The Insurer may at any time pay the Insured which is gradually getting worse, the Insurer may Winter Sports trips where the appropriate premium
accommodation occupied by an Insured Person Person in connection with any claim or series of reduce their payment. Any reduced payment will has been paid and shown on your Booking Invoice
during the Period of Insurance; claims up to £2,000,000 (after deduction of any be based on their medical assessment of the or Validation certificate) which have not been used
c) bodily injury or damage caused directly or sums already paid as compensation) or any lesser difference between: and the Insured Person has paid or is contracted to
indirectly in connection with the ownership, amount for which such claim(s) can be settled. Once pay; or
this payment is made the Insurer shall relinquish the A. the disability after the bodily injury; and
possession or use by an Insured Person or on
conduct and control and be under no further liability B. the extent to which the disability is affected by b) for Curtailment after initial departure; or from the
behalf of an Insured Person of: aircraft,
in connection with such claim(s) except for the the disability or condition before the Accident. date the Insured Person was hospitalised as an in-
hovercraft, watercraft (other than non-
payment of costs and expenses recoverable or patient;
mechanically powered watercraft), mechanically
propelled vehicles (other than wheelchairs, electric incurred prior to the date of such payment. either, (i) a pro-rata proportion of non-refundable
SECTION D: CANCELLATION
wheelchairs and mobility scooters, golf buggies unused inclusive tour costs,
OR CURTAILMENT
used on golf courses and not on public roads), SECTION C: PERSONAL ACCIDENT or, (ii) alternatively the original value of non-
firearms (other than sporting guns); WHAT YOU ARE COVERED FOR refundable unused air tickets up to the Sum Insured
d) bodily injury caused directly or indirectly in WHAT YOU ARE COVERED FOR Up to £5,000 for any of the above reasons.
connection with: the ownership, possession or Up to £25,000 Note: Unless the appropriate additional Top Up Note: The proportionate value of costs will be
occupation of land or buildings, immobile In the event of the Insured Person sustaining bodily Cancellation premium has been paid and is shown calculated either from the date of return to the
property or caravans or trailers, any wilful or injury arising wholly and exclusively from violent on your Booking Invoice or Validation Certificate Insured Person's Home Country, or from the date
malicious act, carrying on of any trade, business accidental external and visible means which injury (as applicable). the Insured Person was hospitalised as an in-
or profession, any racing activity; shall solely and independently of any other cause patient until the date they are discharged. The
e) fraudulent, dishonest or criminal acts of an result in his/her death or disablement within twelve Should an Insured Person necessarily have to cancel claim will only be based on the number of full days
Insured Person or any person authorised by an calendar months of the injury, the Insurer will pay the projected journey before commencement or not used.
Insured Person; the following Sums Insured: curtail it before completion as a result of:
Where return to an Insured Person’s Home
f) any claim resulting from venereal disease, 1. Death, or £5,000 1) the death, accidental bodily injury, illness, Country is necessary in an emergency situation
sexually transmitted diseases, infection with the 2. Loss of Sight of One or Both eyes, or £25,000 compulsory quarantine on the orders of a treating they should contact the Medical Emergency
Human Immunodeficiency Virus (HIV) or Acquired Medical Practitioner, redundancy that qualifies for Assistance Service who may be able to assist in
3. Loss of One or More Limbs, or £25,000 payment under current redundancy legislation, having existing air tickets amended.
Immune Deficiency Syndrome (AIDS) or AIDS
Related Complex (ARC) howsoever this syndrome 4. Permanent Total Disablement £25,000 cancellation of leave for British Forces, Police or
has been acquired or may be named; Provided that government security staff, summoning to jury service WHAT YOU ARE NOT COVERED FOR
g) any claim assumed by an Insured Person under or witness attendance in a court of an Insured EXCLUSIONS APPLICABLE TO SECTION D.
A) the benefit payable under (1) above is reduced to
any contract or agreement unless such liability Person or insured Travelling Companion.
£1,000 if the Insured Person is under 16 years of The Insurer shall not pay for any claim directly or
would have attached in the absence of such age or 67 years of age or over at the time of death 2) the death, serious injury or illness of, indirectly caused by, arising or resulting from, or
contract or agreement; in connection with:
B) the total compensation in respect of any one • a Close Relative, or
h) punitive or exemplary damages. Insured Person shall not exceed £25,000. 1. travel against any health requirements
• the person with whom the Insured Person intends
to reside at the holiday or journey destination, or stipulated by the carrier, their handling agents or
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