If you have any questions regarding this insurance, you should contact Global Travel Insurance for advice and assistance. The premium and tax must be paid with your deposit.
A full policy wording will be sent to you with your confirmation of booking. Full details are also available upon request. If you do not wish to be included in this insurance, you must provide us with details of your alternative insurance.
This insurance is only available to persons who are permanently resident and domiciled in the UK. Separate arrangements are available from Global Travel Insurance for Non UK Residents.
Prices
- Up to 5 days - 32.00
- Up to 10 days - 42.00
- Up to 17 days - 48.00
- Up to 24 days - 55.00
- Infants under 2 - FREE
- Children 2-16 - 50%
Summary of cover
(Main policy limits only, please see the policy document for other limits that may apply)
- Cancellation & Curtailment - Up to the final invoice cost
- Personal Accident - 15,000
- Medical & Other Expenses - 2,000,000
- Hospital Benefit - 300
- Personal Luggage Money & Valuables - 2,000
- Loss of Passport - 200
- Travel Delay - Up to the final invoice cost
- Missed Departure - 500
- Personal Liability - 2,000,000
- Legal Expenses - 25,000
Policy excesses
An excess of 10% minimum 50 applies to each and every claim each insured person in respect of claims for Cancellation & Curtailment (increased to 20% minimum 100 for persons aged 65 or over). An excess of 50 applies to each and every claim each insured person in respect of claims for Medical & Other Expenses (increased to 100 for persons aged 65 or over), Personal Luggage Money & Valuables.
Emergency assistance
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the policy document.
Main exclusions
Insurers will not be liable for claims where at the time of taking out the insurance the person whose condition gives rise to a claim:
- Is aware of any medical condition or circumstances which could reasonably be expected to give rise to a claim, or
- Has during the last 12 months suffered from any chronic or recurring illness of a serious nature which has required treatment unless disclosed to Global Travel Insurance and agreed, or
- Is suffering from a previously diagnosed psychiatric disorder, receiving or on a waiting list for hospital or nursing treatment, is expected to give birth before or within 2 months of the return trip, or
- Is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad, or
- Has been advised of a terminal prognosis.
Disclosure of health conditions
If you have a chronic or recurring medical condition or have had hospital treatment in the last 12 months you must disclose it by contacting Global Travel Insurance for a Medical Questionnaire. Failure to do so may affect your rights under the insurance.
Important notice
Under the ABI Code of Practice, we are required to draw to your attention certain important features of your policy as follows:
POLICY DOCUMENT: you should read the document carefully. It gives you full details of what is and what is not covered and the conditions of the cover. Cover will vary from policy to policy and Insurer to Insurer.
CONDITIONS, EXCLUSIONS & WARRANTIES: conditions and exclusions will apply to individual sections of your policy whilst general exclusions, conditions & warranties will apply to the whole of your policy.
HEALTH: your policy may contain restrictions regarding pre-existing medical problems concerning the health of the people travelling and of the people upon whose health the trip will depend. You are advised to read our policy carefully.
DANGEROUS SPORTS OR PASTIMES: if you are going to take part in dangerous sports or pastimes where there is a high risk of injury, check that your policy covers you.
PROPERTY CLAIMS: these claims are paid based on the value of the goods at the time you lose or damage them and not on a "new for old" or replacement cost basis.
POLICY LIMITS: most sections of your policy have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your policy if you intend taking expensive items with you.
POLICY EXCESSES: under most sections of the policy claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess.
REASONABLE CARE: you need to take all reasonable care to protect yourself and your property.
COMPLAINTS: your insurance policy will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint.
"COOLING OFF" PERIOD: your policy contains a cooling off period during which you can return the policy and get a refund, if you have a justifiable reason for being dissatisfied with the cover that it provides. Your policy is governed by the law in the country that you reside in within the United Kingdom, unless otherwise stated on your policy. The identity of the insurer or insurers will be shown on the policy document.
PLEASE MAKE SURE YOU READ YOUR POLICY CAREFULLY
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