Summary of Policy

Policies are available for single trips up to 45 days, long stay trips up to 15 months or on an annual basis for multiple trips. An annual multi-trip policy runs for 12 months from the date specified and provides cover for any number of trips provided that they do not exceed the maximum duration for any one trip shown in your insurance benefits schedule. A single trip or long stay policy provide cover for the duration of the trip shown in your policy documentation.

Who can be covered?
Policies can be arranged for individuals, couples or families, subject to the maximum age limit shown in your benefits schedule. A family policy provides cover for up to two adults and their dependent children aged 17 and under or 20 and under if still in full time education and all normally residing together at the same address. Cover for families shall apply where the appropriate premium has been paid. On annual multi-trip policies, all insureds are entitled to travel independently of each other providing all travellers are named on the policy schedule.

Medical Pre Screening

Any condition that has required referral to or consultation with a specialist or hospital for treatment, investigation or check up within the 12 months prior to:

• the date that this insurance was arranged, or
• the date that you subsequently made arrangements for a trip (if this is an annual multi-trip policy), or
• the date that you extended the original period of your insurance, which is the latest.

Please note :
You are not covered for any related claims if you

• have any medical condition as a result of which a medical practitioner has advised you not to travel or would have
• done so had you sought his or her advice have been given a terminal prognosis have been previously diagnosed
• psychiatric or psychological disorder are on a waiting list for treatment or investigation

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 ».