Annual multi-trip cover is not available to anyone aged 70 years or over on the date of purchasing the insurance policy. If you reach the age of 70 years during the Period of Insurance, cover will continue until the next renewal date but not thereafter.
Single Trip cover is not available to anyone aged 85 years or over on the date of purchasing this insurance policy.
Please see the Age Eligibility section within the policy wording.
Please telephone as soon as possible our Emergency Assistance Service on +44 (0) 1733 224 960.
The financial limits and excess amounts vary per cover level. Financial limits relate to the maximum amount we will pay out under an individual section of cover and the excess relates to the amount of money that you are responsible for per incident, per section per insured person claiming.
Please refer to the schedule of benefits table within your policy wording and your insurance certificate for confirmation of these values.
The maximum length of time that you can travel per holiday is 45 days.
Please refer to the definition of holiday within your policy wording.
This policy is only available to you if you are permanently a resident in the United Kingdom and have registered with a Medical Practitioner in the United Kingdom.
Please refer to the Residency section within your policy wording.
Yes under the emergency medical and other expenses section. However, please note that our Emergency Assistance Service must be contacted to help and support you if you need to be repatriated back to the United Kingdom.
If you require medical treatment in Australia you must enrol with a local Medicare office. You do not need to enrol on arrival but you must do this after the first occasion that you receive treatment.
In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found in the Health Advice for Travellers booklet available from your local Post Office. Alternatively please call the Emergency Assistance Service for guidance.
If you are admitted to hospital, contact must be made with the Emergency Assistance Service as soon as possible and their authority obtained in respect of any treatment not available under Medicare.
You can only buy this policy when you are located in the United Kingdom.
Please refer to the definition of a holiday within your policy wording.
Yes. However, please note that you may only cancel this policy if:
If you do not contact us within this 14 day time period, then you can still cancel the policy but no premium refund will be made to you.
Please refer to the general conditions section within your policy wording.
This policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. However, this policy will cover you should complications arise with your pregnancy which fall within the definition of complications of pregnancy and childbirth section during your period of insurance.
Please refer to the definitions section of your policy wording.
Yes and we strongly recommend that all of our customers read their policy wording as soon as possible to ensure that the insurance provided meets with their individual requirements.
Within each section of cover, exclusions are confirmed that relate specifically to that section of cover. Please note that the policy wording also confirms the general exclusions of cover that apply across your insurance policy.
Under the emergency medical and other expenses section of your policy, reference is made to the extent of the available dental cover. Please note that the financial limits and excess amounts vary depending upon the level of cover that you purchase (please refer to the schedule of benefits table within your policy wording) and that we only cover “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area, up to the amount shown in the features and benefits table.”
This policy is underwritten by White Horse Insurance Ireland dac who are authorised and regulated by the Central Bank of Ireland. This can be checked by visiting their website at www.centralbank.ie
Insurance Premium Tax (IPT) is a tax on general insurance premiums that is paid by a customer at the time of purchasing and paying for their travel insurance policy.
Please note that we have designed this insurance policy to cover you for unforeseen events, accidents or serious illnesses that may occur during a period of insurance.
You and anyone insured on this policy will NOT be covered for any claims arising directly or indirectly from the following:
At the time of taking out this policy
Existing medical condition means in the last 12 months, any medical condition for which You or anyone to be insured on this policy:
In the case of point 3 no cover will be provided under section A – Cancellation, however, cover may be provided for the existing condition while you are away IF YOU HAVE DECLARED IT AND WE HAVE AGREED THIS.
At any time
If you extend this insurance and we agree to include your existing medical conditions, we will issue an endorsement to you that confirms the terms under which we have provided cover.
You must keep the endorsement with your policy documents and produce it if you make a claim or if there is an incident that may give rise to a claim. We have the right not to extend this insurance to cover any existing medical condition or conditions.
Medical Screening is a series of questions that we put to our customers to determine if an additional premium is required to cover an existing medical condition.
Please see the previous question and our answer. During the medical screening process, we will ask specific questions to allow us to assess the risk that your existing health condition(s) pose to us – as your insurer.
If we are able to cover your existing medical condition(s) then you will need to pay an additional premium to cover any losses arising from your existing medical condition(s). If you do not pay this additional premium to us then you will not have any cover for any claim(s) that relate to your existing medical condition(s).
Please note that you need to answer all medical screening questions accurately as we will compare your answers to your medical records during our processing of your claim.
Please refer to the important conditions relating to health section, the general exclusions applicable to all sections of the policy as well as the general conditions applicable to the whole policy section within your policy wording.
No. Please see the question above entitled “I have some existing medical condition. Can I get cover for these too? What is classed as an existing medical condition?”
This means that you will have no cover if you make a claim that relates directly or indirectly to the excluded medical condition. You therefore, will be responsible to pay all applicable costs that you incur as a result of your claim.
Yes, if you purchase or have purchased either of the Essential or Select cover levels then you are eligible to buy this additional/optional cover section. If you have bought a Prime policy, cruise cover is included as standard.
Please refer to the schedule of benefits table within your policy wording.
The extent of cover available under this optional cover section is then fully detailed within the Essential, Select and Prime policy wording under the section header of ‘Cruise Cover.’