- Some sections of the policy may be subject to an excess. This is the amount you pay when you make a claim. This applies to each incident for each insured person.
- Pre-existing medical conditions unless agreed.
- Travelling against medical advice or with the intention of obtaining medical treatment abroad.
- The policy includes restrictions regarding the health of close relatives and friends upon whom your trip may depend, even if they are not being insured by this policy.
- Certain hazardous sports and activities may not be covered under this policy – see policy wording for further details.
- Personal possessions – “new for old” cover only if item less than 1 years old.
- You drinking too much alcohol, or any form of alcohol abuse, where it is reasonably foreseeable that such consumption could result in a serious impairment of your faculties and/or judgement.
- Circumstances you were aware of before your policy was issued or journey was booked (whichever is the later) that might result in a claim.
- Medical treatment which can wait until you return home.
- Private medical treatment unless agreed by us.
- Any claim for personal possessions where you have not taken steps to prevent loss.
- Claims arising from any epidemic or pandemic as declared by the World Health Organisation.
About the cover
selected option
- What is insured?
- What IS NOT insured?
- Emergency Medical and Repatriation Expenses incl 24/7 Assistance – up to £10 million
- Cancellation – up to £5,000
- Curtailment and Loss of Holiday – up to £5,000
- Personal Accident – up to £25,000
- Personal Possessions – up to £2,000
- Personal Money – up to £500
- Passport and Other Documents – up to £500
- Baggage Delay – up to £400
- Missed Departure – up to £1,000
- Travel Delay – up to £400
- Personal Liability – up to £2 million
- Legal Costs and Expenses – up to £25,000
- Financial Failure – up to £5,000
- Hijack - up to £1,000