Multi Trip PREMIER - Global Travel Insurance

A competitive package that covers

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.
Option to add Additional Cruise Cover
Option to add Winter Sports Cover

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.

HEALTH DECLARATION

If You are travelling within the United Kingdom

Please consider the following questions in relation to You, anyone to be covered by this Policy, or any Colleague:

Are You aware of any reason why Your trip could be cancelled or cut short, such as Your health or the health of a Relative or Colleague or someone with whom You are going to travel or stay
Are You travelling: (a) against the advice of a Medical Practitioner, or (b) for the purpose of obtaining medical treatment?
Have You been given a terminal prognosis?
Are You receiving or awaiting investigation or treatment for any Bodily Injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?

If You answer YES to any of the above 4 questions, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid.

Please contact the holiday company that You purchased the Policy from to discuss this further.

If You answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

If You are on prescribed medication, are Your medical condition(s) stable and well controlled?
If You suffer from stress, anxiety, depression or any other mental or nervous disorder, have You received written confirmation (at Your cost) that You are fit enough to take this trip by either: (a) Your GP, or (b) a registered mental health professional (e.g. if You are under the care of a Community Mental Health Team), or (c) a consultant specialising in the relevant field?

If You answer YES to question 5 and 6 above, then You do not need to contact Us with details of Your Pre-existing Medical Conditions, and Your insurance Policy’s standard terms, conditions and exclusions will apply.

If You answer NO to question 5 or 6 above, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid. Please contact the holiday company that You purchased the Policy from to discuss this further.

If You are travelling outside of the United Kingdom

Please consider the following questions in relation to You, anyone to be covered by this Policy, or any Colleague:

Have You had a medical condition that You presented to Your GP or other medical professional within the last 12 months?
Are You taking prescribed medication?
Do You have, or have You had any medical condition that is still requiring periodic review?
Are You awaiting any tests, treatment, investigation, referral or the results of these or have an undiagnosed condition or set of symptoms?

If You answer YES to any of the above 4 questions, please contact MediScreen on 0344 892 1698 to discuss extending cover for Your health conditions. If We can extend cover, We may charge an additional premium for doing so. Your Pre-existing Medical Conditions will not be covered, unless You tell Us about them and We accept them in writing, and Your Policy may be cancelled, or Your claim rejected or not fully paid. MediScreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding Bank Holidays.

Important note: this applies to all destinations, excluding trips solely within the United Kingdom.

You must also notify MediScreen immediately on 0344 892 1698 if there is any change in Your medical circumstances between the date You first purchased Your insurance Policy and the date Your holiday is due to begin. If You do not take the appropriate action, or if You withhold information which We should reasonably be made aware of when considering the provision of cover, then Your Policy may be cancelled, or Your claim rejected or not fully paid. If We can extend cover, We may charge an additional premium for doing so.

If Your trip is solely within the United Kingdom then You must obtain confirmation from Your Medical Practitioner that You are fit enough to take the trip and this must be noted on Your medical records so that in the event of a claim You are able to provide this evidence if required by Us. Failure to do so may invalidate Your Policy.

You must also tell Us as soon as reasonably possible if You are no longer a resident in the United Kingdom.

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, Ethopia, Iran, Iraq, , Liberia, Libya, Myanmar, North Korea, South Sudan, Sudan, Syria, The Russian Federation, Ukraine and Yemen

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.

SUMMARY OF COVER

“TABLE OF BENEFITS” PER INSURED PERSON

Section and Cover	Limits	Excess
1 - Cancellation	£3,000	£100
2 - Travel Delay & Abandonment	• £25 for each completed 12-hours delay up to £100 Delay Benefit (outside of the United Kingdom) • £3,000 after a completed 12-hours delay Abandonment (outside of the United Kingdom)	• Nil Delay Benefit • £100 Abandonment
3 - Missed Departure	• £200 (United Kingdom) • £800 (outside of the United Kingdom)	Nil
4 - Personal Accident	• £15,000 reduced to £1,000 for children aged up to 15-years & £7,500 adults aged 66-years plus Death • £15,000 Loss of Limb(s) and / or Eye(s) • £15,000 reduced to Nil for children aged up to 15-years	Nil
5 - Medical & other expenses including curtailment	£10,000,000, sub-limited as follows: • £350 Emergency Pain Relief Dental Expenses (outside of the United Kingdom) • £2,500 Local Funeral Expenses (outside of the United Kingdom) • £100 Emergency Telephone Calls & Taxi Fares • £2,500 Additional Travel Expenses (United Kingdom) • £50 United Kingdom Prescription Charges • £300 United Kingdom Physiotherapy & Chiropractic Charges • £50 for each completed 24-hours up to £500 Mugging Benefit	• Nil Emergency Telephone Calls & Taxi Fares • Nil United Kingdom Prescription Charges • Nil United Kingdom Physiotherapy & Chiropractic Charges • Nil Mugging Benefit • £100 All Other Claims under this Section
6 – Hospital Benefit	• £15 for each completed 24-hours up to £300 Hospital Benefit (United Kingdom) • £25 for each completed 24-hours up to £500 Hospital Benefit (outside United Kingdom)	Nil
7 - Personal Possessions & Personal Money	£1,500 personal possessions, sub-limited as follows: • £250 Any One Article, Pair or Set • £250 in all Valuables £250 personal money, sub-limited as follows: • £50 children aged under 16-years at the time of the incident	• Nil children aged under 16-years • £50 All Other Claims under this Section
8 – Loss of passport and/or visa	£250	Nil
9 – Personal Liability	£2,000,000	£250
10 – Legal costs and expenses	£25,000	Nil
11 – COVID-19 cover	1. Cancellation up to £3,000 2. Curtailment up to £3,000 3. Medical and other expenses up to £1,000,000	£100
THE FOLLOWING SECTIONS ARE OPTIONAL ADDITIONAL COVERS SUBJECT TO PAYMENT OF AN ADDITIONAL PREMIUM
12 - Cruise	£4,550, sub-limited as follows: • £150 for each missed port up to £1,500 • £25 for each completed 24-hours up to £50 Confinement to Cabin • £150 Unused Excursions • £2,000 increased Personal Possessions, sub-limited to: • £750 Any One Article, Pair or Set • £750 in all Valuables • £150 Evening Wear	• Nil Confinement to Cabin • Nil Evening Wear • £50 All Other Claims under this Section
13 - Winter Sports	£3,250, sub-limited as follows: • £750 Loss, Theft or Damage to Winter Sports Equipment Replacement or Repair • £30 for each completed 24-hours up to £450 Loss, Theft or Damage to Winter Sports Equipment Hire • £30 for each completed 24-hours up to £450 Delay of Winter Sports Equipment Hire • £250 Loss or Theft of Ski Pass • £30 for each completed 24-hours up to £450 Ski Pack Following Injury • £30 for each completed 24-hours up to £450 Piste Closure • £450 Avalanche or Landslide	• Nil Loss, Theft or Damage to Winter Sports Equipment Hire • Nil Delay of Winter Sports Equipment Hire • Nil Ski Pack • Nil Piste Closure • £100 All Other Claims under this Section

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 Foreign, Commonwealth & Development Office (FCDO) or WHO has advised against travel.

(7) Your failure to contact MediScreen 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.

(10) Your failure to have any recommended inoculations, vaccines (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip.

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).