SINGLE TRIP Insurance | Global Travel Insurance

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SINGLE TRIP Insurance

Our main SINGLE TRIP insurance product is designed to cover

1. any type of travel including Cruises*
2. all persons up to the age of 90 years for travel within Europe
3. all persons up to the age of 80 years for travel outside of Europe
4. health conditions without the need for any medical screening (other than Cruises and trips to North America).
5. trip duration up to 120 days.

There is no increase in the premium for age for periods of insurance less than 31 days.

If you require cover for Areas 3 or 4 for a trip duration of more than 31 days, please call us for a quotation.

If you are aged over 80 and require cover for travel outside of Europe, please use our Single Trip "PLUS" product.

*CRUISES
If you wish to insure your Cruise for more than the sum insured under this product, you may like to consider our Single Trip "CRUISE" product which provides Cancellation cover up to £10,000 per person.

Please note that we consider a Cruise to be any international sailing or sea voyage travelling international waters but not River Trips or other Inland voyages.
Please also note that any British Isles or UK cruises are rated as Area 2.
.

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
(cover up to £5,000 is avaliable using our Single Trip "PLUS" product or for Cruises up to £10,000 in value use our Single Trip "CRUISE" product).
Personal Accident £15,000
Medical & Other Expenses £10,000,000
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 or on a Cruise 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 or on a Cruise 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 or on a Cruise when increased to £1,000.

PRE EXISTING HEALTH CONDITIONS
Unless you are travelling to North or Central America or the Caribbean or on a Cruise, there is no need to advise us of your pre existing medical conditions. Please note that we consider a Cruise to be any international sailing or sea voyage travelling international waters but not River Trips. If you have a history of any medical condition and are travelling to North or Central America or the Caribbean or on a Cruise, you must first contact Towergate Medical Screening to establish whether we can provide cover for your trip. If you are accepted, the following levels of excess will apply. You will receive written confirmation that you are covered for the trip. The number to call is -

0844 892 1698

If you are not accepted for cover having been screened, we may be able to offer you cover under our Single Trip “PLUS” product

Please ask us for further details or go to the relevant webpage.

Increased Excess For 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 any 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 or on a Cruise 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 or on a Cruise 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 or on a Cruise 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 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 with a medical condition or have been admitted or undergone a procedure/ intervention in a hospital.
4 If You are traveling against the advice of a Medical Practitioner

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).

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

SINGLE TRIP Policy Document
This document is the full insurance policy document and sets out the full terms and conditions of the cover provided. Only valid where issued with an email SCHEDULE issued after purchase.

Sports and Hazardous Acitivities
This reference document provides details of activities that are either covered at normal terms, covered subject to certain conditions and those that are not covered.