Multi Trip PREMIER Summary Of Cover

THIS PRODUCT IS TEMPORARILY UNAVIALABLE. WE APOLOGISE FOR ANY INCONVENIENCE CAUSED.

 

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.

 

This insurance is underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk.  ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN.

Remuneration Statement

The Premiums paid include a commission, the value of which may vary and is deducted by us from the amount that you pay before the balance is paid to the insurance company.

 

DEMANDS AND NEEDS

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

IMPORTANT: We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information. We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Document, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your policy documents. In any event you may ask for specimen copies of the policy wording should you wish to examine this in advance.

 

COOLING OFF PERIOD

Once purchased you may tell us if your policy does not meet your requirements. If you cancel within 14-days of the receipt of your documentation and you have not started a trip or made or intend to make a claim, we will give you a full refund. Following this 14-days period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14-days cooling-off period, no premium will be refunded.

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.

  

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:

  1. 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
  2. Are You travelling: (a) against the advice of a Medical Practitioner, or (b) for the purpose of obtaining medical treatment?
  3. Have You been given a terminal prognosis?
  4. 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.

  1. If You are on prescribed medication, are Your medical condition(s) stable and well controlled?
  2. 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:

  1. Have You had a medical condition that You presented to Your GP or other medical professional within the last 12 months?
  2. Are You taking prescribed medication?
  3. Do You have, or have You had any medical condition that is still requiring periodic review?
  4. 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

 

 

SUMMARY OF COVER

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Documents, Table of Benefits and Insurance Product Information Document (IPID), copies of which are available by clicking on the links.

Section and Cover

Limits

Excess

1 - Cancellation

£3,000

£100

2 - Travel Delay & Abandonment

up to £100 Delay Benefit & up to £3,000 Abandonment 

Nil Delay, £100 Abandonment

3 - Missed Departure

up to £800

Nil

4 - Personal Accident

up to £15,000 

Nil

5 - Medical & other expenses including curtailment

Up to £10,000,000

£100 All Other Claims under this Section

6 – Hospital Benefit

up to £500 

Nil

7 - Personal Possessions & Personal Money

up to £1,500

£50 

8 – Loss of passport and/or visa

up to £250

Nil

9 – Personal Liability

up to £2,000,000

£250

10 – Legal costs and expenses

up to £25,000

Nil

11 – COVID-19 cover

up to £3,000 Cancellation & Curtailment

up to £1,000,000 Medical and other expenses 

£100

THE FOLLOWING SECTIONS ARE OPTIONAL ADDITIONAL COVERS SUBJECT TO PAYMENT OF AN ADDITIONAL PREMIUM

12 - Extra Cruise Cover

up to £4,550

£50

 

13 - Winter Sports

up to £3,250

up to £100 

   

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).

 

TRAVEL SIGNPOSTING

Not the right level of cover to meet your Travel Insurance needs?  If we can’t offer you the cover you want, or your premium is higher than you wanted because you have medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory at: https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).

 

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