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INSURE WITH EXPLORE
PEACE OF MIND ON TOUR Having adequate travel insurance is mandatory for anyone participating in an Explore tour. We believe the policy we offer is the best available for our type of holiday. THE CHOICE IS YOURS You can choose between a European or Worldwide single trip policy from 8 to 60 days, or an annual multi-trip policy which covers all your (and your family's) travel insurance needs for a whole year children are included free on our annual policy. COMPETITIVE PREMIUMS Given the level of cover provided by our policies we really do feel they offer exceptional value. As the insurance market becomes more competitive, many companies are cutting the levels of cover and benefits in order to keep premiums down. We have retained all the benefits for 2008. LEADING ADVENTURE TRAVEL COVER The Explore travel insurance has been designed specifically for the adventurous traveller. All sporting or hazardous activities you may plan to undertake whilst on holiday will automatically be covered other than Parachuting, Sky-diving, Hang-gliding, Microlite Flying, Ski Racing, Ski Jumping, Ice Hockey & Bob Sleighing. For any other holiday activity not specifically excluded you will automatically be covered, whether the activity in question has been arranged through Explore or not, subject to the standard policy terms and conditions.These are the best policies available for the active traveller, especially those travelling away from mainstream tourist destinations. COVER FOR ALL AGES Explore customers of all ages can purchase our single trip policies there are no upper or lower age limits. Annual policies however are not available to those aged 66 or over at the time of purchase. NO QUIBBLE MONEY BACK GUARANTEE Should you purchase one of our insurance policies, then feel that it does not entirely suit your requirements, a full refund may be obtained up to 14 days from the date of receiving the policy document so long as no claims have been made and no period of travel has started. EXCEPTIONAL BENEFITS Very few other policies cover medical and repatriation expenses up to £5m, personal liability to £2m or cancellation and curtailment to £5000 per person. We believe these are levels of cover that should be in place to cover the `worst case scenario' relating to overseas travel of this sort.The policy also provides hi-jack cover One of the unique features of the Explore travel policy is that we have arranged cover in respect of acts of war and terrorism. Although this is an unpalatable matter, in the light of recent global events, we consider such cover to be invaluable.The policy also includes cover for loss of or damage to personal luggage or effects and money. See box on right for a summary of the main benefits. TRULY WORLDWIDE POLICY Our single trip policy is available to anyone who purchases it directly from Explore irrespective of where they live in the world. Should you need to be repatriated, you would be returned to your home country. UNRIVALLED EMERGENCY BACK-UP Ultimately the most important thing about an insurance policy is that it delivers when an emergency occurs. At Explore we have been involved in many different types of claim over the years, including those involving the repatriation of customers who have become injured or ill in some of the most remote parts of the world. What we rely on time and time again is the unrivalled experience and knowledge of the emergency back-up team which deals with these situations. EXPLORE TRAVEL INSURANCE POLICY NOTES & CONDITIONS: Insurance mandatory It is worth reiterating that all Explore customers must have adequate travel insurance when travelling on our tours. If you do not have Explore insurance your tour leader will need to check your own insurance documentation at the start of the tour. Please see the section on `Travel Insurance' on p15. Pre-existing medical conditions It is a pre-requisite of any travel insurance policy (including the Explore policy) that you inform the insurance company of any preexisting medical conditions relating to you
Single Trip Premiums for 2008
(per person in £)
Duration 8 Days 17 Days 24 Days 31 Days 45 Days 60 Days
Europe 29.00 39.00 49.00 55.00 84.00 105.00
Worldwide 69.00 79.00 89.00 99.00 113.00 126.00
Up to & including:
or any other person upon whom travel depends, such as a close relative, at the time of purchase and obtain written confirmation from them that you are fully covered for such conditions. If in doubt, Explore Insurance policy holders should call the helpline in confidence on: 0870 906 3140. Notes on Premiums a) All prices shown include UK Government Insurance Premium Tax @ 17.5%. b) The cost of the insurance premium per person for individual tours is shown in the Dates and Prices of our brochure .This premium is only for the period indicated. If you are extending your travel period or the duration of the tour is extended or reduced by Explore you may need to reconsider the duration of policy purchased. c) Insurance cover should be valid from the time you leave your home until you return home. You must allow for travelling time before and after the tour. If this exceeds the period of the premium stated you must increase the premium to the next highest band.The appropriate premium must be added in full to the deposit when you make your reservation. How do we define `Europe' for insurance premium purposes? Europe is defined as: Countries west of the Ural Mountains; countries bordering the Mediterranean Sea; plus Azerbaijan, Georgia, Armenia, Jordan, Greenland, Iceland, Faroe Islands, Madeira, the Canary Islands, Azores & Mediterranean islands. Documentation The information contained within this brochure is only a summary of cover.The full policy terms, conditions and exclusions are incorporated in the Policy Document which will be sent to you at the time of purchase and which alone constitutes the contract of insurance between the insured person(s) and the insurer. Please ensure that you take this Policy Document and your Holiday Confirmation Invoice with you when you travel, leaving copies in a safe place at home. A copy of the Policy Document is available prior to purchase upon request. Operative Date The calendar year in which the payment for the Policy is received by Explore will define the premium, conditions and benefits. Conditions Precedent applicable to all insured persons: 1. It is warranted that the trip or journey for which this insurance is effected is not booked or commenced by an insured person(s): a) Contrary to medical advice or to obtain medical treatment. b) Suffering from any medical condition or symptoms which are awaiting or receiving investigation, treatment, tests, referral or review or the results of any of the foregoing. 2. No insured person is aware of any reason why travel may be cancelled or curtailed.
Summary of Benefits
· Medical, Additional Expenses and Repatriation: Up to £5,000,000 · Hospital Benefit: Max. £200 (£10 a day) · Criminal Injuries: Up to £5,000 · Personal Liability: Up to £2,000,000 · Personal Accident: Up to £50,000 (Death £10,000) · Cancellation or Curtailment: Invoiced holiday cost up to £5,000, additional cover available at a supplementary cost · Delayed Departure or Arrival: Max. £100/£1000 · Failure of International Flight Connections in Europe: Max. £150 (£25 per day) · Aircraft Hijack: Max. £3,000 · Failure of Transport Connection in UK: Up to £300 · Loss of or Damage to Personal Luggage or Effects: Up to £2,000 (valuables limited to £350) Delayed Accompanied Baggage: Max. £100 · Personal Money: Up to £500 Tickets: Up to £1,000 · Loss of Passport(s)/Visas: Up to £250 · Legal Expenses: Up to £15,000 · Winter Sports: Ski Equipment/Hire/ Pack £350/£200/£300; Piste Closure £200; Avalanche Closure £150
Claims Details on how to make claims can be found in the insurance Policy Document that will be sent to you with your booking confirmation. A 24 hour emergency medical number will also be provided. Excesses Most claims are subject to the deduction of an excess, applicable to each section of cover and each person. a) The standard excess is £50 (or £100 for those aged 66 or over at the time of purchase). b) There is no excess for temporarily lost baggage, loss of deposit, travel restriction, personal accident or personal liability claims. c) There is an increased excess of £250 for legal expense claims (for all ages). General If you have any general enquiries concerning this insurance, or if there is anything you do not understand, please contact the Brokers who arrange the scheme: Campbell Irvine Limited, Alma House, Alma Road, Reigate, Surrey, RH2 0HX. Telephone: +44 (0)1737 223687. Cambell Irvine Limited is authorised and regulated by the Financial Services Authority.
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