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Holiday Insurance
Our comprehensive holiday insurance package is provided for us by leading experts Holiday Extras and underwritten by Europ Assistance. This great policy offers a very high level of cover for our holiday. Excellent value for money and total peace of mind that really is a great deal! Whilst we believe that our policies represent a perfect balance between premium costs and the high level of cover provided, we do not insist that customers take out our insurance. However it is a condition of booking that you have adequate insurance if you are travelling outside the UK.
Section
Cancellation and Curtailment Medical Expenses and Emergency Repatriation Hospital benet Baggage & Personal Effects
Maximum Limit
Up to £5,000 Up to £5,000,000 £15 per day up to £600 Up to £1,500 £250 single item limit £200 valuables limit £100 after 12 hrs Up to £300 £100 cash limit (£50 Under 18) £20 for the 1st 8 hrs then £20 per 12 hours up to £60 Up to £500 after 8 hour delay Europe Up to £300 Worldwide Up to £600 £25,000 £25,000 £10,000 £1,000 Up to £2,000,000 Up to £25,000
Excess
£75 £75 £100 if over 65 Nil £75
Delayed Baggage
In accordance with the General Business Code of Practice we are pleased to show opposite the most important features of our policy. Full information will be sent with your policy document. You then have a 14 day cooling off period. During that time you may return the documents and have a full refund of your premiums if you are dissatised with the cover it provides.
Nil £75
Money & Document
Travel Delay
Nil
Just compare our policy our small prints worth reading!
Check headline rates carefully against prices " The Underwriter has accepted the condition(s) quoted for insurance in writing. Beware low lead-in prices which are not widely Each Insured Person who has a Pre-existing available Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if Compare cover item by item there are any changes in Your health or prescribed Check medical cover especially carefully Take extra care with medical cover when visiting medication, prior to commencement of the Period of Insurance or departing on any Trip. expensive areas such as America Failure to declare ALL Pre-existing Medical Watch out for premiums, which are only Conditions that are relevant to the insurance may cheaper because of a high excess invalidate the policy. High excess means that many of your claims The Underwriter may require You to obtain a would be excluded anyway! medical report from Your General Practitioner We choose only insurance companies with or Consultant in order to assess whether cover experience in holiday insurance. Europ applies. Any costs incurred in obtaining this Assistance have been underwriting travel medical report shall be borne by You. insurance for 40 years. Based on the Underwriters assessment of the If you are insured with us: medical information supplied to them, they will You can phone our emergency number from decide whether or not the person is suitable for anywhere in the world insurance, if certain exclusions or restrictions Our offices are manned 24 hours a day, should be imposed, or if cover can be offered every day subject to the payment of an additional premium. Our staff are in a better position to provide If cover is offered, and is subject to the payment of assistance an additional premium, cover will not commence We provide a direct-dial number, which will until full payment has been received by the connect you to an organisation who will Underwriter and written confirmation has been provide expert advice and guidance provided by them. We can provide you with support for your To declare a Pre-existing Medical Condition or claim and help your negotiations with the a change in Your state of health or prescribed insurance company medication, You should contact the Medical IMPORTANT HEALTH REQUIREMENTS Screening Helpline during office hours on: 0870 737 6122. All persons purchasing this insurance cover must comply with the following conditions in order IMPORTANT LIMITATIONS - CANCELLATION, to have full protection under this policy. If You CURTAILMENT & TRIP INTERRUPTION COVER do not comply the Underwriter may cancel the This policy will NOT cover any claims under Section policy, refuse to deal with Your claim or reduce the 6 (Cancellation, Curtailment or Trip Interruption) amount of any claim payment. arising directly or indirectly from any Pre-existing This insurance operates on the following basis: Medical Condition, (known to You prior to the " To be covered, You must be healthy, fit to travel commencement of the Period of Insurance) and to undertake Your planned Trip; affecting any: " The insurance will NOT cover You when You " Close Relative who is not travelling as an Insured are travelling against the advice of a Medical Person under this policy; or Practitioner (or would be travelling against the " travelling companion who is not insured under advice of a Medical Practitioner had You sought this policy; or his/her advice); " person with whom You intend to stay whilst on " The insurance will NOT cover You when You are Your trip, travelling with the intention of obtaining medical ..if during the 90 days immediately prior to the treatment or consultation abroad. commencement of the Period of Insurance they " The insurance will NOT cover You if You have had: any undiagnosed symptoms that require attention a. required surgery, inpatient treatment or hospital or investigation in the future (that is symptoms consultations; or for which You are awaiting investigations/ b. required any form of treatment or prescribed consultations, or awaiting results of investigations, medication; or where the underlying cause has not been c. if they were on a waiting-list for, or had established) knowledge of the need for, surgery, inpatient No claim arising directly or indirectly from a Pretreatment or investigation at any hospital or clinic existing Medical Condition affecting You will be at the commencement of the Period of Insurance; covered unless or " You have declared ALL Pre-existing Medical d. if a terminal diagnosis had been received prior to Conditions to the Underwriter; and the commencement of the Period of Insurance. " You have declared any changes in Your health or You should also refer to the General Exclusions. prescribed medication; and
Holiday Abandonment Missed Departure Personal Accident Permanent Total Disablement Loss of limb(s)/eye(s) Death Death under 16 years Personal Liability Legal Expenses
£75 £75
Nil
Nil Nil
NB: A statement of cover will be sent with your conrmation of booking. If required, a copy will be sent on request prior to booking. Details valid for policies issued up to 31 August 2008 for trips starting on or before 31 July 2009.
Insurance premiums are per person Age bands relate to date on which holiday is booked
Duration
Up to 9 days Up to 11 days Up to 13 days Up to 15 days Up to 17 days Up to 19 days Up to 21 days Up to 23 days Up to 30 days
Aged 64 or under
£69 £71 £73 £76 £79 £82 £85 £88 £96
Aged 65 to 69
£119 £123 £126 £130 £134 £139 £146 £154 £171
Aged 70 to 85
£139 £143 £146 £150 £154 £159 £166 £174 £191
Please note: The above premiums do not apply to cruising holidays. For details of premiums for cruising holidays, contact our Cruise Advisors on 01858 462 111 Premiums for extended stays over 30 days are per week or part thereof: Aged 64 or under: £20 Aged 65 to 69: £42 Aged 70 to 85: £52 We regret that Europ Assistance are unable to provide insurance for any customer aged 86 and over at the date of booking. Childrens Reductions: We are pleased to offer a 50% reduction on the insurance premium for children aged 12 - 15 years inclusive (please advise at the time of booking). All Premiums include Government imposed 17 ½ % Insurance Premium Tax
Avoid the Excess for £9
The policy excesses are applied per person and for each separate part of any claim. These excesses can quickly mount up to become a signicant sum. If you add just £9 per person to the premiums shown, you will avoid any excesses being applied.
Annual Multi Trip Insurance
If you are a frequent traveller, aged 75 or under, and are interested in an annual insurance policy, Holiday Extras will be pleased to offer you an individual quotation. Please ring them direct on 0870 844 2755. When comparing quotations be careful to check like-for-like cover.
www.travelsphere.co.uk
www.travelsphere.co.uk
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