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Our SINGLE TRIP insurance product is designed to cover all persons up to the age of 90 years for travel within Europe and up to age 80 years for Worldwide travel.
There are no age loadings of premium for periods of insurance less than 31 days.
Trip duration is up to 120 days.

Please open the pdf file using the link below to access the leaflet and application form so that you can view the full summary of cover, terms and conditions.

BRIEF SUMMARY OF COVER
Main policy limits only, please see the policy document for other limits that may apply

Section & Limit
Cancellation or Curtailment £1,500 (Can be increased to £5,000, contact us for details as this option is not available online)
Personal Accident £15,000
Medical & Other Expenses £5,000,000
Hospital Benefit £300
Personal Luggage Money & Valuables £2,000
Loss of Passport £200
Travel Delay (a) £60 (b) £1,500
Missed Departure £500
Personal Liability £2,000,000
Legal Expenses £25,000

STANDARD POLICY EXCESSES:
An excess of £50 applies to each and every claim each insured person under the Cancellation or Curtailment, and Personal Luggage Money & Valuables sections.
An excess of £75 applies to each and every claim each insured person under the Medical & Other Expenses section unless travelling within North or Central America or the Caribbean when increased to £150


INCREASED POLICY EXCESS
Cancellation or Curtailment section
For persons aged 61 to 70 years the excess is increased to £100.
For persons aged 71 to 90 years the excess is increased to £150.
Medical & Other Expenses Section
For persons aged 61 to 70 years the excess is increased to £150 unless travelling within North or Central America or the Caribbean when increased to £500.
For persons aged 71 to 90 years the excess is increased to £300 unless travelling within North or Central America or the Caribbean when increased to £1,000.

PRE EXISTING HEALTH CONDITIONS
If you are traveling to North or Central America or the Caribbean you must first contact the Medical Screening Line in order to establish whether we can provide cover for your trip.

If you are accepted then the following levels of excess will apply and you will receive written confirmation that you are covered for the trip.

The number to call is - 0870 9063142

Increased Excess for Pre Existing Medical Conditions
Unless you are traveling to North or Central America or the Caribbean, there is no need to advise us of your pre existing medical conditions.

Provision for the acceptance of pre existing medical conditions has been made by the application of increased excesses in the event of claims arising.

For claims arising from the any of your pre-existing medical conditions, other than those that are specifically excluded, the excess is further increased as follows –

Under the Cancellation or Curtailment section - double the normal excess.

Under the Medical & Other Expenses section -
For persons aged 60 years or less the excess is increased to £500 unless travelling within North or Central America or the Caribbean when increased to £1,000.

For persons aged 61 to 70 years the excess is increased to £1,000 unless travelling within North or Central America or the Caribbean when increased to £2,000.

For persons aged 71 to 90 years the excess is increased to £1,500 unless travelling within North or Central America or the Caribbean when increased to £3,000

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 HEALTH EXCLUSIONS:
Insurers will not pay for claims arising

1. 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.

2. From any terminal illness suffered by you or any person upon whose health the trip depends.

3. From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by you or any person upon whose health the trip depends.

4. From pregnancy or childbirth.

5. If you are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad.

6. From any medical condition for which you or any person upon whose health the Trip depends has within 12 months prior to the date of booking of each Trip (for Cancellation) or the date of departure of each Trip (other sections) been diagnosed with a medical condition or have been admitted or undergone a procedure/ intervention in a hospital.

To obtain a quotation, please use the link to the right of the page.

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 Application Form

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

SINGLE TRIP Policy Document

Insurance policy document detailing the full terms and conditions of the cover provided. Only valid where issued with an email SCHEDULE issued after purchase.