Our Single Trip "SKI" insurance product is designed to cover all persons up to the age of 75 years.
Trip duration is up to 4 months.
If you intend to take part in any high risk winter sports or other activities, please contact us for a separate quotation.

SUMMARY OF COVER

Main policy limits only, please see the policy document for other limits that may apply
Section & Limit
Cancellation & Curtailment £1,500
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
Winter Sports Equipment £500
Hire of Skis £250
Ski Pack £300

POLICY EXCESSES:
An excess of £50 applies to each and every claim each insured person under the Cancellation & 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.

Increased Excess
For person’s aged 61 to 75 the Cancellation & Curtailment and the Medical & Other Expenses excess is doubled.
Increased Excess for Pre Existing Medical Conditions
There is no need to advise us of your pre existing health conditions. Provision for the acceptance of all pre existing health conditions Has been made by the application of increased excesses in the event of claims arising.

For claims arising from the treatment of any pre existing illness the excess is further increased as follows –
Under the Cancellation & Curtailment section - double the normal excess.
Under the Medical & Other Expenses section
For persons aged under 60 years the excess is increased to £500 unless travelling in North America when increased to £1,000.
For persons aged 61 to 75 years the excess is increased to £1,000 unless travelling in North America when increased to £2,000.

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:
We will not pay for claims arising Where You or any person upon whose health the trip depends
(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).

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Single Trip "SKI" Application Form

Document detailing a summary of the cover provided with premium rates, for postal applications.

Single Trip "SKI" 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 after purchase online.

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