Independent specialist broker providing a range of travel insurance products designed for everyone including older travellers and those with existing health conditions.

About Us Frequently Asked Questions Links Contact Details Hot Topics Forms Travel Firms Client Comments

Single Trip "PLUS" Travel Insurance

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

1. Your medical conditions are specifically exlcuded
2. You have been denied cover following screening
3. You require up to £5,000 cancellation cover
4. You require extended cancellation cover as a member of HM Armed Forces
5. You require cover against the financial failure of a scheduled airline
6. You are aged 91 or over.

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 by clicking the link below.

GEOGRAPHICAL AREAS
1. United Kingdom, where it is your home country including England, Scotland, Wales, Northern Ireland, Isle of Man, all islands comprising the British Isles excluding the Republic of Ireland and the Channel Islands. Any British Isles or UK Cruises are rated as Area 2
2. Europe, including Area 1 and all countries west of the Ural Mountains, Algeria, Morocco, Tunisia, Turkey, the Azores, Canary Islands, Madeira and Mediterranean islands and the Channel Islands and all UK cruises but excluding Egypt, Israel, Jordan, Lebanon, Libya & Syria.
Persons residing in the Channel Islands need to pay Area 2 rates for UK trips.
3. Worldwide including Areas 1,2, but excluding the United States of America, Canada, countries comprising Central America and the Caribbean Islands.
4. Worldwide including the United States of America, Canada, countries comprising Central America and the Caribbean Islands and all other geographical areas stated above.

CANCELLATION up to £5,000
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 costs
Policy Excess £75. 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. For persons aged 91 and over the excess is increased to £200.

SCHEDULED AIRLINE FAILURE up to £1,500
Covers scheduled airline tickets cancelled prior to departure and cost of replacement equivalent tickets incurred in order to return to the UK due to bankruptcy/liquidation of the airline. No Policy Excess

DELAYED TRAVEL up to £300
If your outward or return trip is delayed for more than 12 hours at the final departure point to/from UK due to adverse weather conditions, mechanical breakdown or industrial action, you are entitled to £60 for the first 12 hours and £60 for each further 12 hours delay up to a maximum of £300

MISSED DEPARTURE up to £500
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. No Policy Excess.
if you elect to cancel after 24 hours delay on the outward trip from the UK.
Policy Excess £75.

PERSONAL BELONGINGS 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. Policy Excess £75. Delayed luggage up to £100. 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.
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

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.

EMERGENCY MEDICAL 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 £250 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 £75 unless travelling within North or Central America or the Caribbean or on a Cruise when increased to £150.
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.
For persons aged 91 and over the excess is increased to £500 unless travelling within North or Central America or the Caribbean or on a Cruise when increased to £2,000.

HOSPITAL BENEFIT up to £300
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 £5,000
if you need to come home early due to your illness or injury or because of the death or illness of a close relative or business associate
Policy Excess £75. 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. For persons aged 91 and over the excess is increased to £200.

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 £25,000
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. A copy of the full policy wording is available on request in writing prior to application.

MAIN HEALTH EXCLUSIONS:
Insurers will not pay for claims arising -
(1). cancellation of your trip due to a medical condition of a person travelling with you and included on your booking, where the risk attaching to that medical condition has not been accepted by us in writing.
(2). from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre existing medical condition.
(3). any known pre-existing medical condition or any recognised complication caused by the pre existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant during the last 2 years or for which you are awaiting or receiving treatment or under investigation unless we have agreed cover in writing and any additional premium has been paid.
(4). you being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction).
(5). you being under the influence of alcohol or solvents or anything relating to your prior abuse of alcohol or solvents.

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).

Single Trip "PLUS" - Activity Schedule
This is a schedule of the many and varied sports and other activities that can be covered under this product.

Single Trip "PLUS" Application Form
Document detailing a summary of the cover provided with premium rates, for postal applications.

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