Multi Trip PREMIER

A competitive package that covers

  • Added value of optional extra sections of cover including ENHANCED COVID cover
  • Coronavirus COVID 19 is covered as standard
  • All persons up to the age of 80 travelling in Europe, or up to 75 for Worldwide trips.

If you are over the stated age limit, we are still able to offer a suitable product for you. Please call for details of the products available.

 

COVID Cover

This insurance covers your being diagnosed with or being exposed to any epidemic or pandemic disease including COVID-19 resulting in claims arising for cancellation, curtailment and medical expenses.
 
Our Covid cover is amongst the best available as it includes being required to isolate by Government or Public Authority.

Additional ENHANCED Covid Cover is available and can be added when purchasing the main policy product.

 

GEOGRAPHICAL AREAS

AREA 1. UNITED KINGDOM - England, Scotland, Wales, Northern Ireland and the Isles of Scilly

AREA 2. EUROPE  - Includes Republic of Ireland, Channel Islands, Isle of Man, as well as: Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, the Faroe Islands, Finland (including Lapland), France, Georgia, Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, , San Marino, Serbia, Slovakia, Slovenia, Spain (including Balearic Islands and Canary Islands), Sweden, Switzerland, Turkey, and the Vatican City. 

AREA 3. WORLDWIDE - excluding USA, Canada, Mexico and the Caribbean - All countries of the world except: Anguilla, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire, St Eustatius and Saba, Canada, Caribbean Islands, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Mexico, Montserrat, Netherlands Antilles, Puerto Rico, St Barthelemy/St Barts, St Croix, St Kitts and Nevis, St Lucia, St Maarten/St Martin, St Pierre and Miquelon, St Thomas, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, the United States of America, Virgin Islands (UK) and the Virgin Islands (US).

AREA 4. WORLDWIDE - including USA, Canada, Mexico and the Caribbean - All countries of the world.

 

IMPORTANT NOTE

No cover is available for any trips to any of the following countries.

Afghanistan, Belarus, Burundi, Central African Republic, Chad, Ethiopia, Libya, Myanmar, The Russian Federation, South Sudan, Syria, Ukraine, Yemen.

 

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 on request.

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.

CANCELLATION OR CURTAILMENT up to £3,000

If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, the police requiring you to remain at or return to your home due to serious damage to your home, you are covered against loss of travel and accommodation costs. Policy Excess £100. 

DELAYED DEPARTURE up to £3,000

If your outward or return trip is delayed for more than 12 hours at the final departure point to or from UK due to adverse weather conditions, mechanical breakdown or industrial action, either (a) £25 for each full 12 hours delay up to a maximum of £100, 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.   Policy Excess £100 (b) only.

MISSED DEPARTURE up to £800 (£200 for UK trips)

Additional travel and accommodation expenses 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.

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.

EMERGENCY MEDICAL & REPATRIATION EXPENSES up to £10,000,000

The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses. Limit £350 for emergency dental treatment and £2,500 Local Funeral Expenses outside of the UK.  Limit £100 for taxi fares and telephone calls.   Policy Excess £100

HOSPITAL BENEFITup to £500

An additional benefit of £25 per day for each day you spend in hospital abroad as an in-patient.  No Policy Excess.

MUGGING BENEFIT up to £500

A benefit of £50 per full 24 hours. NoPolicy Excess.

PERSONAL POSSESSIONS up to £1,500

Covers accidental loss, theft or damage to your personal luggage subject to a limit of £250 for any one article, pair or set and an overall limit of £250 for valuables such as cameras. Jewellery, furs, etc.  Delayed luggage, up to £100.  Policy Excess £75.  

PERSONAL MONEY up to £250

Money, travel tickets and travellers cheques are covered up to £250 against accidental loss or theft. Limit £50 for children under 16.  Policy Excess £50 (Nil under 16).

LOSS OF PASSPORT AND/OR VISA EXPENSES up to £250

If you lose your passport or visa or it is stolen whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement.  No Policy Excess.

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 £100.

LEGAL EXPENSES up to £25,000

To enable you to pursue a third party following injury. No Policy Excess

COVID-19 COVER

Cancellation & curtailment up to £3,000 following a diagnosis of COVID-19 arising within 14 days of the booked departure date or being denied boarding.

Emergency medical and repatriation expenses up to £1,000,000 following a diagnosis COVID-19 including being denied boarding on the return journey. Including a benefit of £30 for each complete 24 hour period up to £300 where ordered into self-isolation by Government authority.

HIJACK BENEFIT up to £500

A benefit of £50 per full 24 hours. NoPolicy Excess.

 

OPTIONAL ADDITIONAL COVER SECTIONS

The following sections are available for an additional premium applied PER POLICY not per person.

If you would like to add any of these sections, please purchase the main policy first and then contact us with your policy number so that we can add the extra cover and raise an Endorsement for you.

TRAVEL GADGET up to £1,500

Accidental damage or theft of owned: mobile phones, smart phones, laptops, tablets, digital cameras, MP3 players, CD/DVD players, games consoles, video cameras, camera lenses, Bluetooth headsets, satellite navigation devices, PDAs, E-readers, head/ear phones and wearable technology (such as a smart watch or a health and fitness tracker).

GOLF up to £3,300

Loss, theft or damage to your golf equipment, including hire of replacement equipment, the cost of hiring replacement golf equipment should yours be delayed in arriving for more than 12 hours on the outward journey; should you being prevented from playing pre-booked rounds of golf due to your injury or illness or if the courses be closed.

ENHANCED COVID-19 COVER up to £3,000

Claims solely as result of COVID-19, for travel to a European country which the FCDO has advised against all but essential travel. Plus necessary and unavoidable cancellation due to: being advised to self-isolate by the UK Government’s Test & Trace Service at the start of your trip; you have an adverse reaction to the COVID-19 vaccine 2 weeks before the start of your trip; and you or your travelling companion is unable to complete the COVID-19 vaccination course due to illness or injury.

CRUISE up to £4,550

Cruise Cabin Confinement Benefit up to £50 A benefit of £25 for each full 24 hours that you are confined in your cabin.

Missed Port Departure up to £1,500 Additional travel and accommodation expenses to enable you to reach your ship at the next port if you arrive too late at your port of embarkation 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.

Unused excursions up to £150 Covering the cost of pre-paid excursions that you are unable to use as a result of your confirmed cabin confinement arising as a result of illness or injury.

Increased Personal Possessions up to £2,000 Limit £750 for any one article pair or set and an overall limit of £750 for valuables such as cameras. Jewellery, furs, etc.  Limit £150 for Evening Wear.

Policy Excess £50 other than Cruise Cabin Confinement Benefit and Evening Wear.

WINTER SPORTS up to £3,250

Winter Sports Equipment Replacement or Repair Limit £750 following loss, theft or damage.

Hired Winter Sports Equipment A Benefit of £30 for each completed 24-hours up to £450 following loss, theft or damage.

Delay of Hired Winter Sports Equipment A benefit of £30 for each completed 24-hours up to £450.

Loss or Theft of Ski Pass Up to £250.

Ski Pack Up to £450 A benefit of £30 for each completed 24-hours following injury.

Piste Closure £30 for each completed 24-hours up to £450. 

Avalanche or Landslide up to £450.

Policy Excess £100 other than Loss, Theft or Damage to Hired Winter Sports Equipment, Delay of Hired Winter Sports Equipment, Ski Pack or Piste Closure

 

HEALTH DECLARATION

If you are travelling to Areas 2, 3 or 4 you should inform MediScreen of any medical conditions that may affect the Underwriters acceptance of your cover. Please therefore telephone MediScreen on 0344 892 1698 to inform them if anyone to be covered by this policy or any person upon whose health the trip depends:

  1. Has an existing or on-going medical condition
  2. Is taking any prescribed medication
  3. Has or has had any condition still requiring periodic review
  4. Is awaiting any tests, treatment, investigation, referral or results of these.

Failure to notify them may cause your circumstances to fall within a policy exclusion.  If Your health changes after the date of issue of Your policy You must contact MediScreen to make sure that Your cover is not affected.

If you are travelling to Area 1, there is no requirement for you to declare your medical conditions. However to be covered for any medical conditions you have or have had, you must be able to comply with the following health conditions:

  1. No trip is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.
  2. If your health changes after the start date of your policy you must contact us to make sure that your cover is not affected.
  3. If you have a medical condition, you must obtain confirmation from your usual general medical practitioner that there is no reason why you should not travel

 

MAIN HEALTH EXCLUSIONS

Insurers will not pay for claims arising

(1) Where You (or any person upon whose health the Trip depends) have or have had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, unless We have agreed in writing to cover You

(2) From any terminal illness suffered by You (or any person upon whose health the Trip depends). 

(3) Medical conditions existing prior to the payment of the insurance premium or any consequence thereof in respect of which a Medical Practitioner would advise against travel or that treatment may be required during the duration of the Trip.

 

OTHER GENERAL EXCLUSIONS

Claims arising from

(1) Winter sports, any hazardous pursuits, any work of a non sedentary nature, unless the appropriate additional premium has been paid.

(2) Self inflicted injury or illness, suicide, alcoholism or drug abuse, sexual disease.

(3) War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, Terrorism, revolution, insurrection, civil commotion, military or usurped power but this exclusion shall not apply to losses under the Emergency Medical & Repatriation Expenses Section unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

(4) Failure or fear of failure or inability of any equipment or any computer program.

(5) Bankruptcy/liquidation of any tour operator, travel agent, airline, transportation company or accommodation supplier.

(6) Travelling to countries or regions where the FCO or WHO has advised against travel.

(7) Your failure to contact the Medical Screening Line where required.

(8) Any epidemic or pandemic as declared by the World Health Organisation (WHO).

(9) Any coronavirus including but not limited to COVID-19, or any related/mutated form of the virus. This exclusion does not apply to COVID-19 claims under item 11 - COVID-19 cover or the Enhanced COVID-19 cover section.

 

FCDO Travel Advice

Please note that the policy will not cover you if the FCDO has advised against:

- all travel; or

- all but essential travel (unless the purpose of your journey is necessary, urgent and cannot be postponed).

 

 

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