This product is more suitable for Cruises than our main "Single Trip" product if any of the following applies -

1. You require cancellation cover up to £10,000 per person.
2. You are aged over 90.
3. You are aged over 80 and cruising outside of Europe.
4. The duration of your Cruise exceeds 31 days.


SUMMARY OF COVER
The following represent the Significant and Key Features of the policy including Exclusions and Limitations that apply per person.
A full copy of the policy document is available via the link below.

CANCELLATION up to the amount stated on your schedule
If you have to cancel your trip due to illness, injury, redundancy, jury service, the requirements of HM Armed Forces you are covered against loss of travel and accommodation cost.
Policy Excess The first £75 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £150 where You are aged 66 to 75 years and to £250 where You are aged 76 to 90 years.

DEPARTURE DELAY up to £3000
If your outward trip is delayed for more than 12 hours at the final departure point from UK due to adverse weather conditions, mechanical breakdown or industrial action, you are entitled to either (a) £20 for the first 12 hours and £10 for each further 12 hours delay up to a maximum of £60, or (b) the cost of the trip (up to £3,000) if you elect to cancel after 12 hours delay on the outward trip from the UK (c) up to £500 for additional travel and accommodation expenses incurred to enable you to reach your overseas destination if you arrive too late at your final UK outward departure point due to failure of the vehicle in which you are travelling to deliver you to the departure point caused by adverse weather, strike, industrial action, mechanical breakdown or accident to the vehicle.
Policy Excess £75 under parts (b)& (c) only

PERSONAL POSSESSIONS up to £2,000
Covers accidental loss, theft or damage to your personal luggage subject to a limit of £200 for any one article, pair or set and an overall limit of £200 for valuables such as cameras. Jewellery, furs, etc. Delayed luggage up to £100.
Policy Excess £75.

PERSONAL MONEY up to £500
Money, travel tickets and travelers cheques are covered up to £500 against accidental loss or theft (cash limit £250).
Policy Excess £75.
No cover is provided for loss or theft of unattended property, valuables or money or for loss or theft not reported to the Police within 24 hours of discovery.

PASSPORT EXPENSES up to £200
If you lose your passport or it is stolen whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement

EMERGENCY MEDICAL & ASSOCIATED EXPENSES up to £5,000,000
Including a 24 HOUR WORLDWIDE MEDICAL EMERGENCY SERVICE
The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses.
Limit £100 for emergency dental treatment and £5,000 burial/cremation/transfer of remains. Limit £2,500 for transfer of remains to your home if you die in the UK.
Policy Excess The first £75 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 66 to 75 years the first £150 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 to 90 years the first £300 of each and every claim per Insured Person claimed for under this Section is excluded
HOSPITAL BENEFIT up to £400
An additional benefit of £20 per day for each day you spend in hospital abroad as an in-patient. No Policy Excess

CURTAILMENT up to the amount stated on your schedule
If you have to cut short your trip due to illness, injury, redundancy, jury service, the police requiring you to return to your home due to serious damage to your home, you are covered against loss of travel and accommodation costs.
Policy Excess £75.

PERSONAL LIABILITY up to £2,000,000
Covers your legal liability for injury or damage to other people or their property, including legal expenses (subject to the laws of England and Wales).
Policy Excess £250.

PERSONAL ACCIDENT up to £15,000
A cash sum for accidental injury resulting in death, loss of sight, loss of limb or permanent total disablement. No Policy Excess.

LEGAL EXPENSES up to £50,000
To enable you to pursue your rights against a third party following injury.
Policy Excess £100.

MAIN EXCLUSIONS & CONDITIONS The following represents only the main exclusions. The policy document sets out all of the conditions and exclusions.

MAIN HEALTH EXCLUSIONS:
Insurers will not pay for claims arising
(a) Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.
(b) From any terminal illness suffered by You (or any person upon whose health the Trip depends).
(c) From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed or have been admitted to or undergone a procedure/ intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
(e) Where You are travelling against the advice of a Medical Practitioner.
(f) Where You have failed to contact the medical screening line if required to do so.

OTHER GENERAL EXCLUSIONS
Claims arising from
(1) a material fact known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable.
(2) war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
(3) participation in a hazardous activity unless the appropriate additional premium has been paid and the policy endorsed.
(4) you travelling against the advice or recommendations published by the Foreign and Commonwealth Office and applicable at the time of your departure.

POLICY EXCESSES:
The amount of each claim for which insurers will not pay and for which you are responsible. The excess as noted in the policy summary applies to each and every claim per insured person under each section where an excess applies.

HEALTH CONDITIONS
This insurance contains Health Conditions so you should inform us of any medical conditions that may affect the Insurers acceptance of your cover. Please therefore telephone Travellers HealthCheck on the following number to inform us if anyone to be covered by the insurance
(a) has ever had a circulatory, heart or blood pressure related problem, a stroke, cancer, asthma or any breathing problems, diabetes, any psychological problem
(b) had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years
(c) you are waiting for tests or treatment of any description
(d) your doctor alters your regular prescribed medication
Failure to notify us may cause your circumstances to fall within a policy exclusion.

Telephone TRAVELLERS HEALTHCHECK on 0845 6582 999

In the event that an additional premium is required to cover your conditions, you will be asked to pay Travellers HealthCheck direct. You will then need to use this form to apply for the main policy using the standard prices overleaf.

Below you will find relevant documents for your use in PDF format (if you need to download Adobe's free reader you can do so here).

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Single Trip "CRUISE" Application Form

Application form and summary of cover including premiums, for postal applications.

Single Trip "CRUISE" Policy

Document detailing the full terms and conditions of the cover provided and valid only when issued with a schedule following online purchase.

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