Single Trip

Daily Telegraph - featured product by "Ask the Expert"

"Global uses a different business model to other travel insurers. Instead of increasing premiums with risk, it charges a higher excess on claims if a pre-existing condition flares up and you have to make a medical claim."

Featured on Martin Lewis MoneySavingExpert.com website

"If you would rather pay a high excess rather than a high outlay for the premium, Global Travel Insurance offers good rates - says Martin Lewis"

Insurance Age - Global Travel Insurance designed for a new age!

"With an ageing and increasingly affluent population, people are more likely to travel in their 70s. However, cover is hard to find, so a product that can provide cover up to the age of 90 years and allow for pre existing conditions is welcome."

 

Our main SINGLE TRIP insurance product is designed to cover

* Any type of travel including Cruises

* All persons up to the age of 90 years

* Pre exisitng health conditions other than matters related to conditions arising in the last 12 months

* Trip duration up to 94 days

 

COVID 19

PLEASE NOTE that 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.

 

GEOGRAPHICAL AREAS

1.    UNITED KINGDOM - England, Scotland, Wales, Northern Ireland. Any British Isles or UK Cruises are rated as Area 2.

2.    EUROPE - Continental Europe, Mediterranean islands, the Channel Islands,  Isle of Man, 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).

3.    WORLDWIDE - All countries outside of the above except Bahamas, Belize, Bermuda, Canada, Costa Rica, El Salvador, Greenland, Guatemala, Honduras, Mexico, Nicaragua, Panama, The Caribbean Islands, United States of America.

 

HEALTH DECLARATION

FOR UK TRAVEL ONLY

If you are only travelling within the UK, Channel Islands or Isle of Man, it is a condition that you comply with the following:

(1) You are fit to travel and undertake your planned journey. (2) Following any claim investigation, your doctor confirms they would have agreed with or recommended your travel plans when you took out this insurance, booked your journey 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 our Customer Service team on 01903 235042 for further advice.

FOR TRAVEL OUTSIDE OF THE UK 

(A)       You will not be covered for any existing medical condition if, in the 12 months before taking out this insurance or booking your journey (whichever is later), you

(1) were referred for tests, investigations, treatment or surgery, or were awaiting the results of any referral;

(2) attended or were due to attend a hospital or clinic as an outpatient or inpatient;

(3) received treatment or saw a medical practitioner for a medical condition; or

(4) were 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. 

(B)       If you already suffer from or have a history of any other medical condition and have to make a claim under arising from the medical condition, the standard level of policy excess is increased as follows:

(a) The excess under Cancellation Or Curtailment is doubled.

(b) For persons aged 65 years or less the excess under Emergency medical & associated expenses is increased to £250 Areas 1&2, £500 Area 3.

(c) For persons aged 66 to 75 years the excess under Emergency medical & associated expenses is increased to £500 Areas 1&2, £1,000 Area 3.

(d) For persons aged 76 to 90 years the excess under Emergency medical & associated expenses is increased to £1,000 Areas 1&2, £1,500 Area 3.

 

OTHER GENERAL EXCLUSIONS

Claims arising from

(1) Winter sports, any hazardous pursuits, any work of a non sedentary nature.

(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 Medical 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) An epidemic or pandemic, except as expressly covered under the Cancellation or curtailment and Emergency medical and associated expenses Sections.

(8) A terminal illness prior to the date you took out this insurance or booked your trip (whichever is later).

 

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 £2,000

If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, quarantine including an epidemic or a pandemic disease such as COVID-19, 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. 

Cover under this section includes being diagnosed with or exposed to an epidemic or pandemic disease including COVID-19

Policy Excess - (a) For persons aged 65 years or less £75.  (b) For persons aged 66 to 75 years the excess is increased to £100. (c) For persons aged 76 to 90 years the excess is increased to £150. 


PERSONAL ACCIDENT up to £20,000

A cash sum for accidental injury resulting in death, loss of sight, loss of limb or permanent total disablement.   No Policy Excess.

 

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

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, emergency dental treatment and burial/cremation/transfer of remains, quarantine including an epidemic or a pandemic disease such as COVID-19

Cover under this section includes being diagnosed with or exposed to an epidemic or pandemic disease including COVID-19

Policy Excess  - (a) For persons aged 65 years or less £75.  (b) For persons aged 66 to 75 years the excess is increased to £150. (c) For persons aged 76 to 90 years the excess is increased to £500.  


HOSPITAL BENEFIT up to £750

An additional benefit of £20 per day for each day you spend in hospital abroad as an in-patient.  No Policy Excess.

 

PERSONAL POSSESSIONS & MONEY up to £1,750

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 £400 for valuables such as cameras. Jewellery, furs, etc. Delayed luggage, up to £150.   Money, travel tickets and travellers cheques are covered up to £300 against accidental loss or theft (cash limit £200).  Policy Excess £75. 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.

 

LOSS OF PASSPORT up to £200

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 Policy Excess.

 

DELAYED DEPARTURE up to £2,000

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 either (a) £20 for the first 12 hours and £10 for each further 12 hours delay up to a maximum of £60, or (b) the cost of the trip (up to £1,500) if you elect to cancel after 12 hours delay on the outward trip from the UK.   Policy Excess £75 (b) only.

 

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.

 

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.

 

LEGAL EXPENSES up to £20,000

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

 

* *CRUISE EXTRA COVER subject to payment of the additional premium **

CRUISE CABIN CONFINEMENT BENEFIT up to £300

An additional benefit of £75 per day for each day are confined in your cabin. No Policy Excess.

MISSED PORT DEPARTURE up to £1,500

Additional travel and accommodation expenses incurred to enable you to reach your cruise ship at the next docking port if you arrive too late at your initial 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. No Policy Excess.

ITINERARY CHANGE up to £500

A benefit of £75 for each port listed on your cruise itinerary that is missed due to adverse weather or timetable changes. No Policy Excess.

UNUSED EXCURSIONS up to £500

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. No Policy Excess.

CRUISE INTERRUPTION up to £1,000

Travel and accommodation costs incurred to enable you to re-join your cruise at the next available port following illness or injury which has required you to be off-loaded from the cruise for treatment in a hospital. No Policy Excess. 

 

CRUISES

If you wish to insure your Cruise for more than the sum insured under this product, please contact us for a top up quotation.  If your cruise is greater in value, we have separate facilities to provide top-up cover.

Please note that we consider a Cruise to be a Trip by sea in a liner calling at a number of ports

Please also note that any British Isles or UK cruises are rated as Area 2.


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

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