Winter Sports Travel Insurance

Summary of Policy

Section Cover Limit Excess*
1 Medical and Other Expenses

1. Journeys Outside the United Kingdom £10,000,000 £40 per person (£80 per family)

2. Journeys within the United Kingdom £10,000 £40 per person (£80 per family)

2 UK Hospital transfer and additional costs and expenses

1. Hospital Transfer Costs £5,000 £40 per person (£80 per family)

2. Return Home Costs £2,500 £40 per person (£80 per family)

3. Additional Expenses £500 £40 per person (£80 per family)

3 Cancellation or Curtailment £5,000 £40 per person (£80 per family)
[£15 per person for loss of
deposit or £45 per family]
4 Personal Accident £25,000
(£1,000 for persons aged under 16 years)
5 Personal Baggage (if shown as included on policy certificate) £2,000 £40 per person (£80 per family)
(Limited to £400 for valuables, £400 per single article, pair or set)
6 Personal Money (if shown as included on policy certificate) £500 £40 per person (£80 per family)
7 Loss of Passport £500 £40 per person (£80 per family)
8 Personal Liability £2,000,000 £40 per person
9 Contingent Liability (Jet Bikes, Jet Skis) £2,000,000
10 Delayed Baggage £400
11 Travel Delay

1. Compensation (£50 after 12 hours delay with £25 for each subsequent £400 12 hours delay up to Limit)

1. 2. Cancellation (If Insured Person(s) wants to cancel after 24 hours delay £5,000 £40 per person (£80 per family) on initial outward leg of Journey)

12 Missed Departure £1,000 £40 per person (£80 per family)
13 Hospitalisation/Unprovoked Assault/Hijack and Kidnap Benefit £1,000 £40 per person (£80 per family)
14 Catastrophe £500 £40 per person (£80 per family)
15 Loss of Pet Documentation £500 £40 per person
16 Seat Bumping £200
17 Legal Expenses (Underwritten by DAS Legal Expenses Insurance Company Ltd) £50,000
18 Financial Failure Insurance (provided by International Passenger Protection) £5,000
Optional Winter Sports Extension
19 Ski Equipment (£300 limit on hired ski equipment £500 per article, set or pair) £750 £40 per person (£80 per family)
20 Ski Equipment Hire Charges £400
21 Piste Closure (Limited to peak season for resort, per day limits apply) £300
22 Unused Ski Pack £500

*Limited to £40 per Insured Person (£80 per family) per claim incident irrespective of the number of sections involved

Medical Pre-Screening

Any person to be insured on this policy will automatically be accepted for cover, provided that they do not
have more than ONE of the following conditions and have no other pre-existing medical condition(s):

Asthma, as long as
• there has been no hospital admission within the last 12 months
• it is controlled by no more than 2 medications (no nebulisers and no home oxygen)
• the person to be insured has been a non-smoker for at least 18 months
• the person to be insured is able to walk at least 200 yards on the flat without becoming short of breath

Diabetes Mellitus (Type 2, non insulin dependent diabetes mellitus only), as long as
• it is controlled by diet alone or by no more than 1 medication (no insulin)
• there has never been any hospital admission or diabetic complication
• the person to be insured has been a non-smoker for at least 18 months

High Blood Pressure (Hypertension), as long as
• there has been no change in medication or dosage in the last 3 months
• the person to be insured has been a non-smoker for at least 18 months
• blood pressure reading on the last two occasions it was measured was within normal limits
• no more than 2 medications being taken

Hypercholesterolemia (High/Raised cholesterol), as long as
• it is not the inherited form (Familial Hypercholesterolemia)
• the plasma cholesterol level is below 6.0

You MUST contact the medical screening line if:

a.any person to be insured on this policy, or
b.a travelling companion, or
c.anyone who is not travelling with you but whose health would affect whether or not you travel (such as a close relative or business colleague)
has more than one of the above conditions or has suffered from or received any form of medical advice or treatment or medication for:
•any heart-related condition (including Angina)
•any blood circulatory disorder (cardio vascular condition) or stroke within the last 5 years
•any breathing condition (including asthma [unless the above declaration can be met], bronchitis, COPD, COAD) within the last 5 years

OR

•has had treatment or hospital consultation for any cancerous condition in the last 5 years
•has been referred to or seen by a doctor or hospital or consultant or needed in-patient treatment in
hospital at any time in the last 12 months
•is on a hospital or specialist’s waiting list for inpatient or outpatient treatment or investigation
•has had any change in dosage or medication in the last 12 months
•has been diagnosed with a renal condition (kidney)

Please contact our medical screening line on 01592 858386 to find out if the medical condition(s) can be covered under this policy and if any terms and/or conditions will apply.

There is no cover for any claims caused by or arising from a terminal prognosis, mental illness, anxiety,depression or related condition.
If you do not disclose all pre-existing medical condition(s), other than where you can agree the declaration about Asthma, Type 2 Diabetes, Hypertension or Hypercholesterolemia, then there will be no cover under this policy for any claims relating directly or indirectly to such pre-existing medical condition(s).

Contact

If you wish to contact us about this policy or you have any other questions, please telephone us during office hours, 9am to 5pm, Monday to Friday, on 01592 858386 or click here to complete the contact us form ».