Moneyfacts 4 star rated travel insurance product
GLOBAL MULTI TRIP is designed to cover
* Any type of travel including Cruises
* All persons up to the age of 65 years (If you are aged 66 and over, click HERE)
* Pre existing health conditions (see Health Declaration)
* Individual Trip duration up to 31 days
If you are only travelling within the UK, Channel Islands or Isle of Man during your trip, it is a condition of this policy that you can comply with the following:
1. You are fit to travel and undertake your planned trip.
2. Following any claim investigation, your doctor confirms they would have agreed with or recommended your travel plans when you took out this policy, booked your trip or at the time you travelled (whichever is later).
3. You are not travelling with the purpose of having medical treatment or a consultation.
4. You are not awaiting the outcome of any medical tests or an appointment at a medical facility for any medical investigations.
If you are unsure whether we will be able to provide cover for your medical condition(s), please contact
the Customer Service team on 01903 235042 for further advice.
FOR TRAVEL OUTSIDE OF THE UK
You will not be covered for any claims arising as a direct or indirect result of a pre-existing medical condition if, in the 12 months before taking out this policy or booking your trip (whichever is later), you:
• were referred for tests, investigations, treatment or surgery, or were awaiting the results of any referral;
• attended or were due to attend a hospital or clinic as an out-patient or in-patient;
• consulted a medical practitioner for a medical condition; or
• received treatment, including prescribed medication;
unless the condition(s) has (have) been declared to and accepted by us in writing.
You should contact the Medical Screening Team by calling them on 02392 419897 if (a) you need to declare a medical condition; (b) you are unsure whether a medical condition needs to be declared or not.
In the event that you are not accepted for cover having been screened, we may be able to offer you alternative cover. Please CLICK HERE
CHANGE IN MEDICAL CIRCUMSTANCES AFTER THE DATE THE POLICY IS ISSUED
If your health changes after taking out this policy and before your trip, you do not need to tell us about the changes, as long as your doctor has confirmed that you are fit to travel. Medical condition(s) that you declared, which we are able to cover, are shown in the ‘Medical Screening Declaration’ that we will send to you. You need to check this information carefully and contact us if there is anything wrong or if you need to declare any other conditions. Please let us know within 14 days and be aware that any changes to the original declaration, particularly if declaring another medical condition, could affect our decision to cover you, or may mean an extra premium has to be paid. Based on any extra medical information you provide, we will confirm if cover can be offered for your declared medical condition(s), and/or if an extra premium needs to be paid. If an extra premium is required, cover will not start until this has been paid and we have issued written confirmation.
AREA 1. UNITED KINGDOM - England, Scotland, Wales, Northern Ireland, Isle of Man. Any British Isles or UK Cruises are rated as Area 2.
AREA 2. EUROPE - Continental Europe, Mediterranean islands, the Channel Islands, Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Turkey, Madeira, Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova and Georgia. (Persons residing in the Channel Islands need to pay Area 2 rates for UK trips).
AREA 3. WORLDWIDE - All countries outside of the above except North America Central America & The Caribbean
AREA 4. NORTH AMERICA, Central America & The Caribbean
Bahamas, Belize, Bermuda, Canada, Costa Rica, El Salvador, Greenland, Guatemala, Honduras, Mexico, Nicaragua, Panama, The Caribbean Islands, United States of America.
Note: You will not be covered if you do not follow any advice or recommendation made by any of the following: the Foreign, Commonwealth and Development Office (FCDO), World Health Organization (WHO) or any government or official authority at any destination you are travelling from through or to. For further details on FCDO travel advice visit gov.uk/foreign-travel-advice.
The following table sets out the sections of the policy with the upper limit of cover and policy excess. For full details of the cover provided please see the Summary of Cover or the full policy document.
Inner limits: Some sections of cover also have extra sub-limits, for example the personal accident section has a benefit limit depending on the age of the insured person.
|A - Trip Cancellation
|B - Trip interruption
|C - Travel delay
|D – Baggage
|E - Baggage delay
|F - Emergency medical/dental cover abroad
|G - Emergency transport
|H - Personal liability
|I - Travel accident
|J - Travel services during your trip
|K - Loss of travel documents
|L - Personal money
|M – Legal expenses
|Optional Additional Cover (When extra premium paid)
|N - Cruise cover
|up to £1,000
The cover under this policy is only available to United Kingdom residents being defined as: A person who has their main home and is registered with a doctor in the UK, the Channel Islands or the Isle of Man and has not spent more than six months abroad during the year before the policy was issued.
INSURANCE PRODUCT SUITABLITY
This insurance is suitable for multiple single round trips starting and finishing in the UK & Channel Islands of no more than 31 days duration, for persons whose age is 65 years or less on the date of purchase.
COOLING OFF PERIOD
You may cancel the policy within 14 days (the cancellation period) of receipt of the policy documents by writing and returning your documents to Global Travel Insurance Services. Any premium already paid will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. Cancellation outside the statutory period: You may cancel this policy at any time after the cancellation period by writing to Global Travel Insurance Services. If you cancel after the cancellation period no premium refund will be made. Non payment of premiums: We reserve the right to cancel this policy immediately in the event of non payment of the premium.