Fill and Sign the Standard Form 1113

American Express® Travel Insurance Select Cover • • Annual Single Trip Combined Terms & Conditions Europe/Worldwide American Express Insurance Services Europe Limited is authorised and regulated by the Financial Services Authority. Registered Office: 76 Buckingham Palace Road, London SW1W 9AX, UK Registered Number: 05048826. Registered in England and Wales. Inter Partner Assistance is a branch of Inter Partner Assistance S.A. (IPA), Avenue Louise 166 bte 1, 1050 Brussels. IPA is a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium (registration 0487) and regulated by the Financial Services Authority, (registration 202664). IPA and its agent, AXA Travel Insurance are all members of the AXA Assistance Group. INS143 ISC (IPA) Effective from December 2009 Remember to take this Policy booklet with you when you travel Contents Page Policy Summary 4 Introduction 9 For 24 hour worldwide emergency assistance, contact AXA Assistance on the following number: 8 Your Policy and Certificate of Insurance Helplines Key exclusions applying to your Policy 9 Duration of your Policy Cancellation of your Policy 10 What to do if you need to make a claim 10 +44 (0) 845 456 6355 10 Complaints Procedure 11 Compensation Scheme 12 Use of Your Personal Data 12 Policy Information 14 Medical Warranty & Exclusion of Pre-existing Medical Condition(s) 16 Reciprocal Health Agreement Assistance and Information about your Destination before you travel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Emergency Assistance 18 Your Policy and Certificate of Insurance 19 What to do if you need to make a claim 19 0845 408 2969 When dialling from outside the UK add 44 then omit the 0. When dialling within the UK omit 44. 17 Introduction Claims (office hours) . . . . . . . . . . . . . . . . . . 0845 456 6355 Complaints Procedure 20 Compensation Scheme 20 Definition of Words 21 Emergency Assistance 24 hours a day, 365 days a year. Policy Sections Section 1 Personal Assistance Services 28 Section 2 Medical Emergency and Repatriation Service 31 Section 3 Hospital Cash Benefit 34 Section 4 Personal Accident 34 Section 5 Cancellation and Curtailment 35 Section 6 Missed Departure and/or Missed Connection(s) 38 Section 7 Involuntary Denial of Boarding 40 Section 8 Travel Delay 40 Section 9 Kennel and Cattery 41 Section 10 Personal Baggage 41 Section 11 Personal Baggage Delay In an emergency, please first check that the circumstances are covered by your Policy. Having done this you should contact the appropriate number shown after each section of the Policy, giving your name, Policy Number, and as much information as possible. Please give us a telephone or fax number where we can contact you or leave messages at any time of the day or night. To comply with the terms and conditions of the insurance, you must contact us if you are hospitalised as an in-patient, or before incurring any expenses whatsoever over £500, in order to obtain our prior authorisation, immediately you are physically able to do so. A claim form will need to be completed by you within 28 days of your returning home to the United Kingdom area. 43 22 2 Page Section 12 Money 44 Section 13 Personal Liability 45 Section 14 Legal Advice and Expenses 46 Section 15 Winter Sports (Optional Cover) 48 Section 16 Adventure Sports and Activities (Optional Cover) 50 Section 17 Business Travel (Optional Cover) 51 Section 18 Golf (Optional Cover) 54 Section 19 Stranded Traveller Assistance (Optional Cover) 56 General Conditions of your Policy 57 General Exclusions of your Policy 60 3 Section Policy Summary 5 The Policy you have bought is Select Cover. This Policy Summary tells you how much you can claim under each section of cover, but does not contain the full terms and conditions relating to your Policy. These can be found within this Policy booklet. Section 1 2 3 4 Significant Features and Benefits Descrip tio n o f Co ver Personal Assistance Services includ ing: Concierge service Transfer of emergency funds Homecare (parts/materials) Medical Emergency & Repatriation Service includ ing: Search & rescue costs Burial or cremation abroad or repatriation of body to the UK Emergency dental treatment UK medical transfer to hospital Person to join/stay with you Hospital Cash Benefit Personal Accident includ ing: Death (18-69) Death (under 18 or 70 and over) Loss of/loss of use of/one or more limbs Loss of sight in one/both eyes Permanent total disablement Select Cover Benefit to £5,000+ to £5,000+ 6 Missed Departure and/ or Connection(s) to £1,000 7 Select Cover Involuntary Denial of Boarding includ ing: If delayed up to 6 hrs If delayed more than 6 hrs to £400 Benefit 8 to £100 to £400 Travel Delay includ ing: If delayed more than 6 hrs For each additional 12hr delay to £350 9 Kennel & Cattery to £250 10 Personal Baggage (see page 7) includ ing: For any one item/pair/set For valuables in total to £2,500+ 11 Personal Baggage Delay (outward trip) includ ing: If delayed more than 6 hrs to £200 12 Money includ ing: under 16 to £50 Loss of cash Loss of passport (travel/accommodation) Personal Liability to £500+ to £250 Legal Advice & Expenses (advance) includ ing: Travel expenses to court outside UK Extra claims, fees & expenses Fees for motor offence outside UK A Bail Bond in local currency to £50,000 to £200 to £50 (inc. VAT) to £10 million*+ to £150,000 to £2,500 to £1,000 to £500 to £1,500 to £500 £30 per 24hrs to £30,000 £30,000 £1,000 13 14 £30,000 £30,000 £30,000 *A £200 excess applies for Group A and B Adventure Sports & Activities. A £50 excess applies unless the Excess Waiver Option premium has been paid. Significant Features and Benefits Descrip tio n o f Co ver Cancellation & Curtailment includ ing: If £1,500 loss to home When a deposit is lost# Excursion cover Independently Booked Accommodation £35 £35 to £250 to £300 to £200 to £500 to £2 million to £250 to £50,000 to £1,000 to £1,000 + A £50 excess applies unless the Excess Waiver Option premium has been paid. + A £10 excess applies. # 4 5 Section 15 Significant Features and Benefits Descrip tio n o f Co ver Winter Sports Option includ ing: Select Cover Section Benefit Unused ski pack charges only covered if Option premium paid to £200/ £20 per day to £150/ £30 per day to £500+ to £300 to £300/ £20 per day to £350 Excess Waiver Option (Medical, Cancellation, Baggage & Money) only covered if Option premium paid 16 Adventure Sports/ Activities Option includ ing: (excess of £200 on Medical) Sports/Activities Equipment For any one article/pair/set only covered if Option premium paid to £500+ to £300 17 Business Travel Option includ ing: only covered if Option premium paid 18 Piste closure Avalanche benefit Winter Sports Equipment For any one article/pair/set Delay of Equipment over 12 hrs Personal Assistance Services Replacement Business Associate Emergency Return Home Personal Accident Business Equipment to £60,000 to £1,500+ includ ing: - Single item, pair or set limit - Computer equipment limit - Business samples limit to £500 to £1,000 to £500 Business Equipment Delay Emergency Courier Expenses Business Equipment Hire 19 Significant Features and Benefits Descrip tio n o f Co ver Golf Option includ ing: Select Cover Benefit only covered if Option premium paid to £2,500+ Golf Equipment includ ing: For any one item to £250 For purchase of Golf Equipment, if delayed more than 12 hours to £300 For hire of Golf Equipment, if delayed more than 12 hours to £250/ £35 per 24hrs Green Fees to £1,000+ Tournament Entry Fees to £250 Hole-In-One to £300 Stranded Traveller Assistance only covered Option if Option includ ing: premium paid Travel Expenses to £2500 Emergency Expenses to £200 per night Return home of to £2,500 your children travel costs A £50 excess applies unless the Excess Waiver Option premium has been paid. + to £750 IMPORTANT INFORMATION to £200 to £200 to £500/ £50 per 24hrs to £1,000+ You are only covered for the Options if the appropriate premium has been paid. If you wish to add any of the above Options to your existing cover, please call American Express Insurance Services on 0800 700 707. Please note that if you have chosen to exclude Personal Baggage cover from your Policy, no cover under Section 10 will apply. Business Money includ ing: - Cash limit to £500 + A £50 excess applies unless the Excess Waiver Option premium has been paid. 6 7 Introduction Your Policy and Certificate of Insurance Thank you for choosing American Express to provide your Travel Insurance. This booklet provides useful information about the protection offered by this insurance, and the way in which the Policy will operate. The Policy is a contract between you and us and is made up of two parts: your Certificate of Insurance and your Policy booklet which includes the Policy Summary. These must be read and kept together. The Intermediary Your Certificate of Insurance includes the information you gave us. It shows you who is insured, the level of cover you have chosen, the period of insurance, geographical limits of travel, age restrictions, your premium and any changes to the normal cover (called endorsements). Your Policy has been arranged by American Express Insurance Services Europe Ltd (“American Express Insurance Services”)1, a UK based insurance intermediary authorised and regulated by the Financial Services Authority. They will administer your Policy, and organise the renewal of annual policies, subject to the terms and conditions set out by the insurer. American Express Insurance Services will provide you with renewal terms offered by their travel insurance provider at the time of your renewal. A renewal notice will be sent to you before the end of the period of insurance, explaining how this will work. If you do not wish to renew your Policy with the current or any new insurer, you will need to contact American Express Insurance Services by calling 0800 700 707, at least 30 days prior to the expiry of your Policy. If American Express Insurance Services does not hear from you, your Policy will be renewed automatically. The Insurer This Policy is underwritten by American Express Insurance Services' current travel insurance provider, Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland, which is a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium, registration 0487 and regulated by the Financial Services Authority for the conduct of UK business (registered number: 202664). Some of the benefits and services under this Policy will be provided by its agent, AXA Travel Insurance (registered number: 475445), of the same Ireland address. All companies are members of the AXA Assistance Group. Key exclusions applying to your Policy Age Restrictions Please see your Certificate of Insurance for age restrictions which apply to your Policy. Exclusions Please refer to the following sections of this Policy booklet for the specific exclusions relating to each Policy section: Section 1 Personal Assistance Services Section 2 Medical Emergency and Repatriation Service Section 3 Hospital Cash Benefit Section 4 Personal Accident Section 5 Cancellation and Curtailment Section 6 Missed Departure and/or Missed Connection(s) Section 7 Involuntary Denial of Boarding Section 8 Travel Delay Section 9 Kennel and Cattery Section 10 Personal Baggage Section 11 Personal Baggage Delay Section 12 Money Section 13 Personal Liability Section 14 Legal Advice and Expenses Section 15 Winter Sports (Optional Cover) Section 16 Adventure Sports and Activities (Optional Cover) Section 17 Business Travel (Optional Cover) Section 18 Golf (Optional Cover) Section 19 Stranded Traveller Assistance (Optional Cover) Please refer to page 60 for the list of General Exclusions applying to all the sections of your Policy. American Express Insurance Services Europe Limited (AEISEL), Registered Office: 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered in England and Wales. Company Number: 05048826, is authorised and regulated by the Financial Services Authority, Registered Number: 311684. Full details can be found on the FSA’s Register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. 1 8 9 Duration of your Policy Annual Policies The Policy duration is one year: • Worldwide Cover allows trips of up to 45 days each. • Worldwide Cover excluding North America and The Caribbean area allows trips of up to 45 days each. • European Cover allows trips of up to 45 days each. Single Trip Policies • Please refer to your Certificate of Insurance for details of your Policy duration. Cancellation of your Policy – your address including the postcode, – the section under which you wish to make a claim. You must return your completed claim form and any additional information we ask for within 28 days of the end of your trip. 3. Additional Information You must supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give us. It is always advisable to keep copies of all the documents that you send to us. 4. Claims Handling Agents If this insurance does not meet your needs, we will cancel your Policy providing you return it to us within 15 days of issue and you have not already taken your trip or intend to make a claim. We will refund your premium in full, but we will not refund it, or any part of your premium, after the 15 days have passed. To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint a claims handling agent. If you subsequently give notice in writing or by telephone to American Express Insurance Services to cancel this insurance, such cancellation shall take effect on the next renewal date following such notice. No refund of premium will be made. We aim to provide a first class service at all times. However, if you have a complaint, in order to get your complaint dealt with as quickly and efficiently as possible, please ensure your complaint is directed to the right department. What to do if you need to make a claim Does your complaint relate to: Your Policy or a claim on your Policy? 1. First check you are covered by your Policy. If it is about your Policy or a claim on your Policy, please contact: Please read the appropriate section in this Policy booklet to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions. 2. Making a claim a) In the event of an emergency you should first call the Emergency Helpline listed after each appropriate section of this Policy booklet (any minor illness or injury costs must be paid for by you and reclaimed). b) For all other claims, telephone our Claims Helpline on 0845 408 2969 (during office hours) to obtain a claim form. You will need to give: – your name, – your Policy Number found at the top of your Certificate of Insurance, – brief details of your claim. – Alternatively you can email our Claims Helpline on amex.retail@axa-assistance-claims.com You will need to provide: – your name, – your Policy Number found at the top of your Certificate of Insurance, 10 Complaints Procedure AXA Travel Insurance (Complaints Department) The Quadrangle 106-118 Station Road Redhill, Surrey, RH1 1PR If your complaint is about service you have received from American Express Insurance Services, please contact: American Express Insurance Executive Office 1st Floor AMEX House Edward Street Brighton BN88 1AH Please enclose the following details when sending your letter: – your full name, postcode and contact phone number(s); – the type of Policy and your Policy and/or claim reference; – an outline of the reasons for your complaint. If you are not satisfied with the way your complaint has been dealt with, you have the right to ask the Financial Ombudsman Service to review your case. Telephone: 0845 080 1800 or write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. 11 Compensation Scheme We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. Use of Your Personal Data Please read the paragraphs below, which define how American Express Insurance Services Europe Ltd, (“American Express Insurance Services”) and Inter Partner Assistance S.A and AXA Travel Insurance (cumulatively “AXA”) use information about you for the purpose of providing you with insurance services and additional products and services. Both organisations appreciate the importance of the protection, confidentiality and security of your information. Personal Information If your insurance application is accepted by American Express Insurance Services and AXA and you are issued a Certificate of Insurance and Policy wording, you also agree that American Express Insurance Services Europe Ltd and AXA may: (a) disclose and use information about you and your insurance cover – including information relating to your medical status and health – to companies within the American Express and AXA group of companies worldwide, their partners, service providers and agents in order to administer and service your account/insurance cover (and arrange the renewal thereof), process and collect relevant payments on it, for fraud prevention and to manage the benefits or insurance programmes in which you are enrolled; (b) use information about you and your insurance cover – excluding information relating to your medical status and health – to develop lists for use within the American Express group of companies worldwide and its partners to develop or make offers to you (by mail, email or telephone) of products and services in which you may be interested. The information used to develop these lists may be obtained from your application, from information on where and how you use your Card if you are an American Express Cardmember and from surveys and 12 research (which may involve contacting you by mail or telephone) and information obtained from other external sources such as merchants or marketing organisations; (c) undertake all of the above within and outside the United Kingdom and the European Union. This includes processing your information in the USA in which data protection laws are not as comprehensive as in the European Union. However, both organisations have taken appropriate steps to ensure the same (or equivalent) level of protection for your information in the USA and other countries as there is in the European Union; and (d) monitor and/or record your telephone calls in relation to cover to ensure consistent servicing levels and account operation. If you wish to have your name removed from any marketing programmes or if you require any further information please contact American Express Insurance Services Ltd on +44 1273 668300. Please provide your full name, postal address, travel insurance Policy Number and if you are an American Express Cardmember your Card Number. Please allow 40 days if you wish to have your name removed from marketing programmes for your request to become effective. Both organisations use advanced technology and well defined employee practices to help ensure that your information is processed promptly, accurately and completely and in accordance with applicable data protection law. If you want to know what information is held about you by the American Express Group, please write to:American Express Services Europe Limited Data Protection Office Dept 2007 Amex House Edward Street Brighton BN88 1AH If you want to know what information is held about you by the AXA Group, please write to: AXA Travel Insurance Data Protection Officer The Quadrangle 106-118 Station Road Redhill, Surrey, RH1 1PR There may be a charge for this service, as permitted by law. Any information which is found to be incorrect will be corrected promptly. The American Express Group reserves the right to contact you by mail or telephone in connection with the operation of your account and related services. Information about you is only held for so long as it is appropriate for the above. 13 If you have purchased Single Trip Cover, please refer to your Certificate of Insurance for details of your Policy duration (maximum duration 93 days). Policy Information 1. Please take this Policy booklet and Certificate of Insurance with you whenever you travel. These are proof of your insurance and will be needed if you have to make a claim. 2. Please make sure you understand what this Policy covers. Your Certificate of Insurance draws your attention to important parts of the Policy. The Policy Summary included in this booklet confirms how much you can claim under each section of cover. Only this Policy booklet gives full details of what is, and is not covered, all terms and conditions, and how your claim will be handled. Please note if you take a trip outside these limits this insurance will not apply to any part of that trip. If the trip you are planning is likely to exceed these limits you will need to buy alternative cover for that trip. Please contact American Express Insurance Services for more information. 7. This Policy covers you for trips within the United Kingdom area provided you have pre-booked at least one night’s accommodation for leisure or business trips. 8. If you have purchased family cover, your family as named on the Certificate of Insurance, will be covered when either travelling with you or independently. 9. The most we will pay you in any period of insurance is shown under each Policy section and on the Policy Summary. All benefits and excesses are per person, per applicable section, per trip, unless this is qualified specifically. 3. Please see ‘Emergency Assistance’, for details of what you should do in an emergency. 4. Premium refund within 15 days of issue. If this insurance does not meet your needs, we will cancel your Policy (if you return it to us within 15 days of issue) and refund your premium in full, providing you have not already taken your trip or intend to make a claim. We will not refund your premium, or any part of it, after the 15 days have passed. 10. Valuables should be insured separately under the All Risks/Extended Cover section of your Home Contents Insurance Policy, which will usually provide settlement on a new for old basis. If you subsequently give notice in writing or by telephone to American Express Insurance Services to cancel this insurance, such cancellation shall take effect on the next renewal date. No refund of premium will be made. 12. This Policy is effected in England and is governed by the laws of England and Wales. 5. 13. This contract may only be completed in English. Any changes to the normal cover are shown on your Certificate of Insurance and must be read in conjunction with this Policy booklet. It is particularly important that you read your Certificate of Insurance and if any details are incorrect, or your needs change in any way, you must contact American Express Insurance Services as soon as possible. 6. 11. The premium for this Policy must be paid in full at the time of purchase. If you have purchased Annual Cover, you will have a total of 183 days cover in each period of insurance, with each individual trip limited to 45 days consecutively for European Cover and 45 days consecutively for Worldwide Cover or Worldwide Cover excluding North America and The Caribbean area. Please refer to your Certificate of Insurance for age restrictions which apply to your Policy. 14 15 Medical Warranty & Exclusion of Pre-existing Medical Condition(s) It is your promise to us that, at the time of purchasing or renewing this travel insurance or booking your trip: 1. You: a) have not attended a hospital as an in-patient during the last 12 months; b) are not on a waiting list for an operation, consultation or investigation; c) have not commenced or changed prescribed medication or treatment within the last three months; d) do not require a medical, surgical or psychiatric check-up every 12 months or more frequently. 2. You are not travelling or planning to travel against medical advice, or where a terminal prognosis has been given. 3. You know of no reason whatsoever why your trip could be cancelled or curtailed. Travel Insurance covers emergency and unforeseen circumstances only. You are covered for cancellation or curtailment during your period of insurance if, after you have booked your trip, a close relative, a travelling companion or anyone on whom your trip depends, suffers unforeseen (not preexisting) serious illness or injury, death or imminent demise. If you are unable to meet your promise, you must contact American Express Insurance Services immediately on 0800 700 707 to confirm whether your cover can be commenced or continued. Certain medical conditions may be excluded from cover. Reciprocal Health Agreement – European Health Insurance Card (EHIC) If you are travelling to a European Union country, we advise you to apply for a European Health Insurance Card (EHIC). This card entitles you to certain free or reduced cost health cover arrangements in European Union countries, and if you use it to reduce the cost of a medical claim under Section 2 – Medical Emergency and Repatriation Service, you will not have to pay the excess in respect of that claim. Emergency Assistance, 24 hours a day, 365 days a year In an emergency, please first check that the circumstances are covered by your Policy. Having done this you should contact the appropriate number shown after each section of this Policy booklet, giving your name, Policy Number, and as much information as possible. You will need to give us a telephone or fax number where we can contact you or leave messages at any time of the day or night. To comply with the terms and conditions of the insurance, you must contact us if you are hospitalised as an in-patient, or before incurring any expenses whatsoever over £500, in order to obtain our prior authorisation, immediately you are physically able to do so. A claim form will need to be completed by you within 28 days of your returning home to the United Kingdom Area. For the avoidance of any doubt – failure to contact American Express Insurance Services and obtain confirmation that your cover can be commenced or continued may result in our declining to pay your claim(s). 16 17 Introduction Your Policy and Certificate of Insurance Thank you for choosing American Express to provide your Travel Insurance. This booklet provides useful information about the protection offered by this insurance, and the way in which the Policy will operate. The Policy is a contract between you and us and is made up of two parts: your Certificate of Insurance and your Policy booklet which includes the Policy Summary. These must be read and kept together. The Intermediary Your Policy has been arranged by American Express Insurance Services Europe Ltd (“American Express Insurance Services”)1, a UK based insurance intermediary authorised and regulated by the Financial Services Authority. They will administer your Policy, and organise the renewal of annual policies, subject to the terms and conditions set out by the insurer. American Express Insurance Services will provide you with renewal terms offered by their travel insurance provider at the time of your renewal. A renewal notice will be sent to you before the end of the period of insurance, explaining how this will work. If you do not wish to renew your Policy with the current or any new insurer, you will need to contact American Express Insurance Services by calling 0800 700 707, at least 30 days prior to the expiry of your Policy. If American Express Insurance Services does not hear from you, your Policy will be renewed automatically. The Insurer This Policy is underwritten by American Express Insurance Services' current travel insurance provider, Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland, which is a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium, registration 0487 and regulated by the Financial Services Authority for the conduct of UK business (registered number: 202664). Some of the benefits and services under this Policy will be provided by its agent, AXA Travel Insurance (registered number: 475445), of the same Ireland address. All companies are members of the AXA Assistance Group. Your Certificate of Insurance includes the information you gave us. It shows you who is insured, the level of cover you have chosen, the period of insurance, geographical limits of travel, age restrictions, your premium, and any changes to the normal cover (called endorsements). What to do if you need to make a claim 1. First check you are covered by your Policy. Please read the appropriate section in this Policy booklet to see exactly what is, and is not covered, noting particularly any conditions, limitations and exclusions. 2. Making a claim a) In the event of an emergency you should first call the Emergency Helpline listed after each appropriate section of this Policy booklet (any minor illness or injury costs must be paid for by you and reclaimed). b) For all other claims telephone our Claims Helpline on 0845 408 2969 (during office hours) to obtain a claim form. You will need to give: – your name, – your Policy Number found at the top of your Certificate of Insurance, – brief details of your claim. Alternatively you can email our Claims Helpline on amex.retail@axa-assistance-claims.com You will need to provide: – your name, – your Policy Number found at the top of your Certificate of Insurance, – your address including the postcode, the section under which you wish to make a claim. You must return your completed claim form and any additional information we ask for within 28 days of the end of your trip. 3. Additional Information American Express Insurance Services Europe Limited (AEISEL), Registered Office: 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered in England and Wales. Company Number: 05048826, is authorised and regulated by the Financial Services Authority, Registered Number: 311684. Full details can be found on the FSA’s Register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. 1 18 You must supply all of your original invoices, receipts and reports etc. You should check the section under which you are claiming for any specific conditions and details of any supporting evidence that you must give us. It is always advisable to keep copies of all the documents that you send to us. 19 4. Claims Handling Agents To help us agree a quick and fair settlement of a claim, it may sometimes be necessary for us to appoint a claims handling agent. Complaints Procedure We aim to provide a first class service at all times. However, if you have a complaint, in order to get your complaint dealt with as quickly and efficiently as possible, please ensure your complaint is directed to the right department. Does your complaint relate to: Your Policy or a claim on your Policy? If it is about your Policy or a claim on your Policy, please contact: AXA Travel Insurance (Complaints Department) The Quadrangle 106-118 Station Road Redhill, Surrey, RH1 1PR If your complaint is about service you have received from American Express Insurance Services, please contact: American Express Insurance Executive Office 1st Floor AMEX House Edward Street Brighton BN88 1AH Please enclose the following details when sending your letter: – your full name, postcode and contact phone number(s); – the type of Policy and your Policy and/or claim reference; – an outline of the reasons for your complaint. If you are not satisfied with the way your complaint has been dealt with, you have the right to ask the Financial Ombudsman Service to review your case. Telephone: 0845 080 1800 or write to: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Compensation Scheme We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS. 20 Definition of Words This part of the Policy booklet explains any words which have a special meaning. Each word is listed with its meaning explained immediately afterwards. Whenever a word with special meaning appears in this Policy booklet it will be printed in bold type. Adventure Sports and Activities Group A The following Adventure Sports and Activities are automatically covered without any payment of additional premium but any claim made under Section 2 – Medical Emergency and Repatriation Service will be subject to an excess of £200: abseiling; baseball; canoeing; clay pigeon shooting; deep sea fishing; fell running; go-karting; hockey; horse riding; hot air ballooning; jetbiking; jetskiing; parascending; pony trekking; scuba diving deeper than 30 metres; skidoo; trekking; war games/paintball; whitewater rafting. Group B The following Adventure Sports and Activities are only covered if you have paid the appropriate additional premium but any claim made under Section 2 – Medical Emergency and Repatriation Service will be subject to an excess of £200: American football; bungee jumping; flying (other than as a fare-paying passenger in a licensed passenger-carrying aircraft); hang gliding; martial arts; microlighting; mountain biking off tarmac; mountaineering; motor rallies; parachuting; paragliding; polo; potholing; quad biking; rock climbing; rugby; Tour Operator safari (where you, or any other tourist, will be carrying guns); white-water canoeing; yachting more than 20 nautical miles from the nearest coastline. Group C The following Adventure Sports and Activities are not covered by your Policy under any circumstances: boxing; canyoning; cave diving; hunting; professional sports; horse jumping; hunting on horseback; steeplechasing; solo mountain climbing; any form of motor racing, speed, performance, or endurance tests; solo caving; solo diving; any organised team sports or organised competitions listed under Group A (with the exception of American football, polo, or rugby). Please also note the following: 1. The above lists are not exhaustive and if the sport or activity you want to do is not listed, please contact American Express Insurance Services on 0800 700 707 for advice. 2. Because of the increased risk of injury to you or caused by you to other people, there is no cover under Section 4 – Personal Accident and Section 13 – Personal Liability for any of the Group A or B Adventure Sports and Activities. 21 Bodily injury An injury which: a) is caused by an accident; b) is caused solely and directly by visible, violent, external means; In respect of Personal Accident as above and c) results in a loss of, or loss of the use of, one or more limbs or loss of all sight in one or both eyes, or death, directly and independently of all other causes. This does not include any sickness, disease or naturally occurring conditions or gradually operating or degenerative process. Business associate A business partner, director or employee. Business Equipment Computer equipment, (including laptop computers, hardware and software, peripherals and PDAs), communication devices, (including mobile phones), stocks and samples, and other business related equipment which you need in the course of your business, and is not covered elsewhere. Carrier The aircraft, coach, ship or train operator and their employees and agents. Close relative Your spouse, common law or same sex partner (with whom you have been living continuously for at least six months and with whom you are still living), grandmother, grandfather, mother, stepmother, mother-in-law, father, stepfather, fatherin-law, sister, stepsister, sister-in-law, brother, stepbrother, brother-in- law, daughter, stepdaughter, daughter-in-law, son, step son, son-in-law, granddaughter, grandson, uncle, aunt, nephew, niece, legal guardian, legal ward, or the fiancé(e) of any person insured under this Policy. Couple You, your spouse or partner (with whom you have been living for at least six months and with whom you are still living). Curtailment Cutting short your trip outside the United Kingdom area by returning home due to an emergency authorised by us. Excess(es) The first £50 for each insured person under your Policy, for every incident of loss applying to each section of cover under which a claim is made. This means that if you claim for something under a section of the Policy for which excess is to be deducted, you will personally be financially responsible for the first £50 for each insured person’s claim. 22 You may choose to pay an additional premium to purchase the Excess Waiver Option. Having purchased the Excess Waiver Option you will no longer be personally financially responsible for the excess when submitting a claim (other than a claim made for Group A or Group B Adventure Sports and Activities – please see note below). You cannot opt to purchase the Excess Waiver Option when you are actually aware of a potential claim, or in a claims situation. Please also note the following: 1. If you have obtained a European Health Insurance Card (EHIC) and use it to reduce the cost of a medical claim under Section 2 – Medical Emergency and Repatriation, you will not have to pay the excess in respect of that claim. 2. A higher excess of £200 will apply to any claim under Section 2 – Medical Emergency and Repatriation Service, where you have been taking part in any Group A or Group B Adventure Sports and Activities. This higher excess cannot be reduced or deleted by use of the European Health Insurance Card (EHIC) or by having purchased the Excess Waiver Option. Family You, your spouse or partner (with whom you have been living for at least six months and with whom you are still living) and your, or their, children who are under 18 years old on the first day of the period of insurance. Geographical limits European Cover: The following countries are included within the definition of Europe: Albania; Andorra; Austria; Azores; Bailiwick of Guernsey; Bailiwick of Jersey; Balearics; Belarus; Belgium; Bulgaria; Canary Islands; Corsica; Croatia; Cyprus; Czech Republic; Denmark; Egypt; Estonia; Finland; France; Germany; Gibraltar; Greece; Hungary; Iceland; Isle of Man; Israel; Italy; Latvia; Liechtenstein; Lithuania; Luxembourg; Madeira; Malta; Moldova; Monaco; Morocco; Netherlands; Norway; Poland; Portugal; Republic of Ireland; Romania; Russia west of the Ural Mountains; San Marino; Sardinia; Sicily; Slovak Republic; Slovenia; Spain; Sweden; Switzerland; Tunisia; Turkey; Ukraine; and the United Kingdom area*. Worldwide Cover: All countries worldwide including the United Kingdom area*. Worldwide Cover Excluding North America and The Caribbean area: All countries worldwide including the United Kingdom area* but excluding North America and The Caribbean area. *Please refer to – Policy Information – for limitations which apply to trips solely within the United Kingdom area. Please refer to General Exclusions of your Policy. 23 Golf Equipment The following items owned, entrusted to, or hired by you: golf clubs, golf bags, golf umbrellas, non-motorised trolleys, golf shoes and golf clothing. Green Fees Club membership or subscription fees. Home The place where you normally live in the United Kingdom area and use for domestic purposes. Limits of cover The most we will pay you in any period of insurance is the amount shown under each section of this Policy booklet. Loss of all sight in one or both eyes Being totally blind in one eye or partly losing the sight in one eye, so that objects which should be clear from 60 feet away can only be seen at three feet away or less using that eye, or being totally blind and added to the Register of Blind Persons by a fully qualified eye specialist. Loss of, or loss of the use of, one or more limbs Complete and permanent loss of use of, or physical severance of a limb at or above the wrist or ankle. Manual work Work which involves the installation, assembly, maintenance, repair, or use of electrical, mechanical or hydraulic plant (other than in a purely managerial/supervisory, sales or administrative capacity) or manual labour of any kind other than in the catering industry or fruit picking by hand. Medical emergency A bodily injury or sudden and unforeseen illness suffered by you while you are on a trip outside the United Kingdom area and a registered medical practitioner tells you that you need immediate medical treatment or medical attention. Money Sterling and foreign currency, cheques, postal and money orders, gift vouchers, travel tickets, hotel and other holiday vouchers, petrol coupons, Green Card, passports, ski lift pass, together with the wallet, purse or similar article in which these items are carried, whilst: • • carried by you about your person (in an item of clothing you are wearing or in a container which you are holding or which is attached to you); or left in a locked safety deposit box. North America The United States of America and Canada. The Caribbean area Anguilla; Antigua and Barbuda; Aruba; Bahamas; Barbados; Bermuda; British Virgin Islands; Cayman Islands; Cuba; Dominica; Dominican Republic; Grenada; Guadeloupe; Haiti; Jamaica; Martinique; Montserrat; Navassa Island; Netherlands Antilles; Puerto Rico; Saint Barthelemy; Saint Kitts and Nevis; Saint Lucia; Saint Martin; Saint Vincent and the Grenadines, Trinidad and Tobago; Turks and Caicos Islands; the US Virgin Islands; and includes cruising in waters around these islands. Pair or set Items of Personal Baggage forming part of a set or which are normally used together. Period of insurance The period to which the insurance applies and for which you have paid, or have agreed to pay the appropriate premium. This period and the premium payable is shown on your Certificate of Insurance. Please note that cover for cancellation under Section 5 – Cancellation and Curtailment will start from when you take out this Policy, and cease when you have started your trip. Cover under all the other sections applies for the length of your trip unless it is further qualified under a specific section. Extension to the period of insurance If your return journey to the United Kingdom area is unavoidably delayed because of something which is covered under your Policy, we will automatically extend your cover for the period of the delay at no additional cost. If you book a trip during the current period of insurance and have paid or agreed to pay for it, where the departure date is after the renewal date of your Policy, cancellation cover will continue in force on condition that you, if eligible, renew the Policy when renewal falls due and the premium is paid. Please refer to your Certificate of Insurance for age restrictions applying to the renewal of your Policy. Permanent total disablement Disability which completely prevents you from doing work of any kind and after 12 months there is no hope of any improvement. Personal Accident Accidental bodily injury caused solely and directly by outward and violent, visible means. Personal Baggage Items usually carried or worn by travellers (including valuables 24 25 but excluding Money) taken on, or purchased on, a trip by you for your individual use during your trip. United Kingdom area England, Scotland, Wales and Northern Ireland. Pre-existing Medical Condition(s) Valuables Jewellery, precious metals or precious stones or items made from precious metals or precious stones, watches, furs, leather articles, personal mobile phones, binoculars, telescopes, electronic/audio/video or photographic equipment, MP3 players, and games consoles. Any condition for which you: a) have attended a hospital as an in-patient in the last 12 months; b) are on a waiting list for an operation, consultation or investigation; c) within the last three months, have commenced or changed prescribed medication or treatment; d) require a medical, surgical or psychiatric check-up every 12 months or more frequently; e) have been given a terminal prognosis; f) know of any reason whatsoever, which may necessitate any trip to be cancelled or curtailed. If you are aware of any pre-existing medical condition(s) these must be declared to American Express Insurance Services on 0800 700 707, and accepted for cover. Certain medical conditions may be excluded from cover. Public transport Includes the following forms of transport: aircraft; bus; coach; pre-booked taxi; sea vessel; and train. Strike or industrial action Any form of industrial action which is carried out with the intention of stopping, restricting or interfering with the production of goods or provision of services. Treatment Any type of surgical or medical procedure which is carried out solely to cure or relieve an unforeseen illness or injury. Trip(s) A journey within the geographical limits shown on your Certificate of Insurance, which starts and ends in the United Kingdom area during the period of insurance and which does not exceed the consecutive or total days cover shown on your Certificate of Insurance. If your planned journey exceeds the number of consecutive days then no cover whatsoever will apply in respect of that journey, and you will need to buy alternative insurance for the whole of that journey, please contact American Express Insurance Services on 0800 700 707 for more information. Unattended You are not in full view of and in a position to prevent unauthorised interference with your property. 26 We, us, our Inter Partner Assistance, 10/11 Mary Street, Dublin 1, Ireland, which is a branch of Inter Partner Assistance S.A., Avenue Louise 166 bte 1, 1050 Brussels, a Belgian company authorised by the Banking, Finance and Insurance Commission of Belgium, registration 0487 and regulated by the Financial Services Authority for the conduct of UK business (registered number: 202664) and its agent AXA Travel Insurance (registered number: 475445) of the same Ireland address, all member companies of the AXA Assistance Group, their agent, and/or their service provider. Winter Sports On- and off-piste skiing, on- and off-piste snowboarding, snowblading, tobogganing, monoskiing, glacier skiing, and outdoor ice skating on a recognised public ice rink. Skidoo is also covered but is subject to an increased excess of £200 and no Personal Accident or Personal Liability cover is available. Available only as an Option when the appropriate premium has been paid. You will be covered for the defined activities within the geographical limits for the full duration of your Annual or Single Trip Policy as stated on your Certificate of Insurance. When you have paid the Winter Sports Option premium and the Adventure Sports and Activities Option premium you will be covered while taking part in the following hazardous activities during the period of insurance: bobsleigh; heliskiing; ice hockey; luge; paraskiing; skeleton; ski jumping; ski racing; and ski stunting. Not available to anyone aged 70 years and over taking part in Winter Sports for the first time. Winter Sports Equipment Skis, snowboards, ski boots, and ski equipment (not clothing). You, yourself, your The person(s) named on your Certificate of Insurance who live(s) in the United Kingdom area, and at the start of the period of insurance has complied with our medical assessment procedure for the initial period of insurance, and for whom the appropriate premium has been paid. 27 Policy Sections Section 1 – Personal Assistance Services Assistance and Information about your Destination This section provides details of the services we provide before you travel. We will provide you with advice and information on: • current visa and entry permit requirements. If your passport was not issued in the United Kingdom area, we may refer you to the United Kingdom Embassy or Consulate of the country where your passport was issued; • current inoculation/vaccination requirements and World Health Organisation warnings. We can also help you arrange inoculations or vaccinations in the United Kingdom area but we will not pay for the actual costs of inoculations or vaccinations; • climatic conditions; • languages; • time differences; • information and advice on the availability of various currencies and specification of the prime currency of your destination; • main bank opening hours; • national or bank holidays; • motoring regulations and restrictions including whether you will need a Green Card; • other motoring insurance issues. For Assistance and Information about your Destination before you travel 0845 456 6355 Personal Assistance This part of the Policy booklet explains the administrative and delivery costs we will pay for services we provide outside the United Kingdom area. i) Transfer of Emergency Funds If you need funds and access to your normal financial or banking arrangements is not available locally, we will transfer funds intended to cover your immediate emergency needs to you if you allow us to debit a credit, debit, or charge card, or arrange for funds to be deposited 28 with us in the United Kingdom area. The most we will transfer per trip is £200. ii) Concierge Service We will provide advice and information on any travel related issue you may have and we will help you with any problem or query relating to your trip which is not covered by any of the other headings in this section. For example, we can arrange to pre-book hotels or have chocolate and champagne awaiting your arrival; book restaurants on your behalf; arrange for a readily available shopping item to be purchased if you do not have time to do it yourself. Please note that we will arrange for the service, but all delivery costs, the cost of items purchased on your behalf, and service charges must be paid for by you. iii) Message Relay We will send urgent messages to your home, if you suffer an illness, accident or have unforeseen travel delay problems. iv) Drug Replacement We will help you: • • replace essential drugs, other medication, prescription glasses or contact lenses which have been lost, stolen, or broken which you cannot get outside the United Kingdom area; trace and deliver blood supplies which you cannot obtain outside the United Kingdom area. v) Medical Referral We will provide access to the names and addresses of local doctors, hospitals, clinics or dentists when you want a consultation or if minor treatment is needed. If any treatment other than for minor ailments is needed, you must advise us as soon as possible. vi) Medical Referral for Children If any of your children under 18 years of age, who you leave in the United Kingdom area when you travel, become ill or suffer injury we will, if you ask us to, provide medical advice and monitor the situation until you return home. vii) Tracing lost Personal Baggage We will help trace your Personal Baggage and deliver it to you if it has been lost and the carrier has not found it for you. We will need your Personal Baggage tag number. viii)Replacement Travel Documents We will help you to replace these and refer you to a suitable travel office if your tickets and travel documents, including your passport, have been lost or stolen. 29 ix) Lost Credit, Debit and/or Charge Cards We will tell your credit, debit and/or charge card company in the United Kingdom area if your credit, debit and/or charge cards are lost or stolen. +44 (0) 845 456 6355 Homecare What you are covered for: We will arrange for one of our approved tradesmen to contact you to make emergency repairs to your domestic plumbing or drainage system, domestic gas or electricity supply, roofing, external locks, doors or windows or fixed heating system, if any of them suffer damage during, and up to seven days after you return home from your trip. We will pay for the call-out charge and one man hour’s labour charge. We will also pay for any parts/materials used to effect a repair, up to a maximum of £50 (including VAT) per trip. What you are not covered for: a) more than one man hour’s labour charge; b) costs of more than £50 (including VAT) for parts/materials used to effect a repair; c) blockage of toilet units not caused by breakage or sudden mechanical failure; d) failure of the central heating system unless there is a risk of frost damage to your home; e) emergencies caused by leaking water hoses or water appliances; f) leaking overflows or gradual seepage from defective seal joints; any claim involving a septic tank; descaling or work relating to removing hard water scale deposits; g) damage to home contents; h) damage caused by the tradesman gaining necessary access to your home; i) any amount payable where the cost is recoverable under any other insurance contract or agreement; j) any costs which were not authorised by us first; k) anything mentioned in the General Exclusions. +44 (0) 845 456 6355 30 Section 2 – Medical Emergency and Repatriation Service This section provides details of the cover we provide for a medical emergency and other expenses relating to such an emergency, including search and rescue services. To comply with the terms and conditions of the insurance, you must contact us if you are hospitalised as an in-patient, or before incurring any expenses whatsoever over £500, in order to obtain our prior authorisation, immediately you are physically able to do so. For the avoidance of any doubt – failure to contact us as required may result in our declining to pay your claim. A claim form will need to be completed by you within 28 days of your returning home to the United Kingdom area. What you are covered for: If you suffer bodily injury, illness or die while on a trip outside the United Kingdom area we will pay the cost of: i) all reasonable and necessary expenses which arise as a result of a medical emergency (excluding search and rescue) involving you. This includes doctors’ fees, hospital expenses, medical treatment and all the costs of transporting you to the nearest suitable hospital. The most we will pay you, under this section per trip, for any one claim in total is £10,000,000. This does not apply to United Kingdom area trips. ii) search and rescue costs including emergency transfer to a hospital effected by local organisations, are covered for up to £150,000, where such costs are not met by local authorities. iii) in the event of death: • the cost of burial or cremation outside the United Kingdom area; or • transport of your body or ashes to your home. The most we will pay you per trip, under Section 2 (iii) is £2,500. iv) additional travelling costs when our Senior Medical Officer recommends that you return to the United Kingdom area including the cost of a medical escort if necessary. v) reasonable additional travelling and accommodation costs for returning home insured members of your family travelling with you, where a valid claim is made under this section, including the cost of a competent adult of our choice to accompany any insured children under 18 years of age, if your bodily injury, illness or death means there is no one else to look after them. Any travel (flight tickets will be for economy class, or at the same class as that 31 originally purchased) and/or accommodation (on a half-board basis) must be made by us, or with our prior approval. vi) reasonable additional accommodation and meal expenses incurred up to the standard of your original booking, if it is recommended by the treating registered medical practitioner, and agreed by our Senior Medical Officer, that it is medically necessary for you to stay beyond your original return date. vii) emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth solely to relieve distress in eating. The most we will pay you per trip under Section 2 (vii) is £1,000. viii) in the event of you having a valid claim under Section 2 – Medical Emergency and Repatriation Service and you are travelling unaccompanied by another adult(s), and if it is recommended by the treating registered medical practitioner, and agreed by our Senior Medical Officer that a person should stay with you outside the United Kingdom area, and/or accompany you home, then we will arrange and pay for one person’s necessary travelling and accommodation costs. Accommodation will be on a half-board basis. We will not pay for travel (flight tickets will be for economy class) and/or accommodation that has not been arranged through us, or incurred without our prior approval. If you are travelling with another adult(s) this benefit Section 2 (viii) will not apply, however, Section 2 (ix) will apply if appropriate. The most we will pay you per trip under Section 2 (viii) is £1,500. ix) in the event of you having a valid claim under Section 2 – Medical Emergency and Repatriation Service, and you are travelling accompanied by another adult(s), and if it is recommended by the treating registered medical practitioner, and agreed by our Senior Medical Officer that a person should stay with you outside the United Kingdom area, and/or accompany you home, then we will arrange and pay for one person’s necessary additional travel and accommodation costs. Accommodation will be on a half-board basis. We will not pay for travel (flight tickets will be for economy class) and/or accommodation that has not been arranged through us, or incurred without our prior approval. If you are travelling unaccompanied by another adult(s) this benefit Section 2 (ix) will not apply, however, Section 2 (viii) will apply if appropriate. The most we will pay you per trip under Section 2 (ix) is £1,500. x) If you suffer bodily injury or sudden illness while on a trip in the United Kingdom area, we will pay the cost of 32 transferring you to a suitable hospital near your home or to your home if you are hospitalised more than 50 miles from your home. The most we will pay you per trip under Section 2 (x) is £500. What you are not covered for: a) the excess except where you have paid the Excess Waiver Option premium, but please note that the excess is increased to £200 and shall not be removed or reduced by the purchase of the Excess Waiver Option or by use of a European Health Insurance Card (EHIC) when you are taking part in any activity listed under Group A or Group B Adventure Sports and Activities; b) costs of more than £500 not agreed or authorised by us in advance; c) any new or pre-existing medical condition(s) which existed before booking your trip unless you told us about the medical condition(s) and we agreed to accept it (them); d) any treatment or diagnostic testing that was pre-planned or pre-known by you; e) treatment costs for cosmetic reasons unless our Senior Medical Officer agrees such treatment is necessary as a result of an accident covered by this Policy; f) the cost of any treatment where a registered medical practitioner states that the treatment can safely be delayed until your return home; g) any costs you incur outside the United Kingdom area after the date our Senior Medical Officer tells you, you should return home; h) costs incurred in the United Kingdom area other than the cost of transporting you or your body or ashes to your home; i) the cost of flight tickets exceeding economy class for an accompanying non-medical escort in the event of medical repatriation (any increase in cost due to requested upgraded flight tickets must be at the personal expense of the person(s) travelling); j) costs for accommodation exceeding half-board; k) incidental expenses (for example: telephone costs, newspapers, laundry costs); l) any costs for transportation and/or accommodation not arranged by us, or incurred without our prior approval; m) the cost of dental treatment involving the provision of dentures, artificial teeth or the use of precious metals; n) the cost of replacing medication you were using when you began your trip; o) any medical costs you incur when you are engaging in Winter Sports activities, where you have not paid the Winter Sports Option premium; 33 p) any medical costs you incur when you are engaging in any Group A Adventure Sports and Activities and where you have not paid the Adventure Sports and Activities Option premium. An excess of £200, which cannot be removed or reduced by use of a European Health Insurance Card (EHIC), also applies when you are taking part in any activity listed under either Group A or Group B Adventure Sports and Activities; q) anything mentioned in the General Exclusions. +44 (0) 845 456 6355 Section 3 – Hospital Cash Benefit This section provides details of the benefit we will pay for a hospital in-patient stay outside the United Kingdom area. What you are covered for: If we accept a claim under Section 2 – Medical Emergency and Repatriation Service, we will also pay you a cash benefit of £30 for each continuous 24 hour period that you have to spend in hospital as an in-patient outside the United Kingdom area. You may wish to use this benefit towards the cost of incidental expenses you incur. The most we will pay you per trip is £500. What you are not covered for: a) anything mentioned in the General Exclusions. Section 4 – Personal Accident This section provides details of the cover we provide if you have an accident during your trip. What you are covered for: If you die or suffer disablement or permanent total disablement as a result of an accidental bodily injury during your trip which, within 12 months, is the sole cause of either death or disablement, we will pay you or your legal representative(s): • £30,000 for death; or £1,000 if you are under 18 years old or aged 70 years or over; • £30,000 for the loss, or loss of use of, one or more limbs, or the total and irrecoverable loss of all sight in one or both eyes; • £30,000 for permanent total disablement. The most we will pay you in total under this section per trip is £30,000. 34 What you are not covered for: a) any claim related directly or indirectly to any disease, physical defect, infirmity, or illness which existed before the start of your trip; b) any claim resulting either directly or indirectly from you engaging in any Group A or B Adventure Sports and Activities; c) anything mentioned in the General Exclusions. Section 5 – Cancellation and Curtailment This section provides details of the cover we provide if you need to cancel your trip before you leave, or curtail your trip having already departed. What you are covered for: If you have booked a trip within the period of insurance, but you are forced to cancel your travel plans or curtail a trip you have already commenced, because of any one of the following: • unforeseen illness, injury or death of you or any person with whom you are going to travel or stay with during your trip, or on whom your trip depends (please refer to Medical Warranty & Exclusion of Pre-existing Medical Condition(s)); • unforeseen illness, injury or death of a close relative (please refer to Medical Warranty & Exclusion of Pre-existing Medical Condition(s)); • you or any person with whom you plan to travel being called up for Jury Service or being subpoenaed as a witness in a Court of Law other than in a professional or advisory capacity; • you are made redundant and you qualify for redundancy payment under current legislation; • accidental damage, burglary, flooding or fire affecting your home, when a loss exceeding £1,500 is involved and your presence is required by the Police; then we will reimburse you up to a maximum of £5,000 in total for financial loss you suffer for travel (including pre-paid excursions and/or conferences) and accommodation you do not use because of your inability to start or complete your trip. If you are forced to cancel your trip for medical reasons: • relating to you – you will be required to have the relevant section of your claim form completed by your usual registered medical practitioner within the United Kingdom area, explaining why it is deemed medically necessary for you to cancel your trip; 35 • relating to a close relative, any person with whom you are going to travel, or stay with during your trip, o