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Yes, you can purchase a single trip policy for the remaining part of your trip. There will be no cover for any pre-existing medical conditions and the full period of your Trip away from your Country of Residence, including this already travelled policy, must not exceed the policy maximums for your age. Other conditions apply. Details can be found in Definition 20 – Period of Insurance, of the full Policy wording.
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In the unlikely event that you are not satisfied with the level of service provided, please follow the procedure shown on your Schedule of Insurance.
If you are resident in a country of the EU, EEA or Monaco, your premium must be paid in Euros (€).
If you are resident in the UK or Gibraltar, your premium must be paid in Sterling (£).
The currency in which your premium is paid is the currency that will apply to the cover you have purchased, and in which a claim will be settled and the chosen excess applied.
Your payment will be debited to your debit/credit card in the currency in which the premium is paid.
Yes, under our Single and Annual Multi-Trip policies you can take out our optional golf cover. It covers not only your owned or hired golf clubs for loss and damage up to £/€ 1000, but it also covers you against loss of green fees.
If it is a small claim for medicines or minor treatment, you should pay the bills and submit your claim to the nominated claims company whose details are shown on page 7 of the full policy wording.
On all our policies a couple is defined as: any couple (including same sex) who are married or in a common-law relationship or who have co-habited for at least 6 months.
You, Your spouse or Common Law Spouse and all dependent children under the age of 18 years.
On all our policies a single parent family is defined as: one adult and all dependent children up to the age of 17 at the date of booking the travel insurance.
You are covered for a number of sports and activities which are carried out on an occasional basis. For specific details refer to the Activity and Sports Section in the full Policy Wording .
Single Trip policy – Cover for cancellation of a trip commences at the time you book the trip or the policy is purchased and the premium paid, whichever is the latter.
Annual Multi-Trip policy – Cover for cancellation of a trip commences at the time you book the trip during the Period of Insurance or at the start of the Period of Insurance, whichever is the latter.
Cover for Cancellation ends when you leave your home or place of work, to start your trip, whichever occurs last.
Any of the adults named on the Schedule of insurance can travel separately. A child named on the policy must travel with another adult. This can be an adult named on the policy or any other responsible adult aged 25 or over.
For residents of the EU, EEA, and Monaco, cover is provided by Lloyd’s Insurance Company SA. For residents of the UK and Gibraltar cover is provided by Lloyds’ Syndicate, Canopius Managing Agents Ltd.
There is no cover under Section 2 – Medical Expenses and Repatriation, but cover applies under the other sections if your trip is away from your home for at least two nights stay in pre-booked accommodation, or there are travel arrangements that have been pre-booked with a commercial carrier.
An excess is the first part of any claim that an Insured Person must pay before the policy will come into force. Details of the excess you have chosen can be found in the Schedule of Insurance which was issued to you when you purchased your insurance..
No, Winter Sports are not covered automatically. However, you can choose winter sports cover as an option under both Annual multi-trip and Single Trip policies. The optional extension will give a total of 17 days Winter Sports cover during the validity period of the policy
The reduced rate for children applies up to the age of 17 at the date of purchase of the insurance when a child is named on a family policy. If a child is the insured person on their own policy the child rate will not apply. The full premium must be paid.
Depending on your age and destination, an Annual multi-trip Policy can be purchased to cover individual trips of either: 17, 32, 45 or 90 days. Subject to the eligibility requirement set out in Definition 9 – Country of Residence in the full Policy wording, unlimited trips can be taken during the policy period up to the maximum number of days per trip that you have purchased.
Maximum periods per trip are:
There is a standard general exclusion on the policy which excludes cover under all sections of the policy for any claim related to the COVID-19 or similar virus.
However, for an additional premium, a COVID-19 Extension is available as an Option. For annual multi-trip policies, the extension can be purchased at any time during the validity period of the policy except when the policy is being used during a trip. For single-trip policies, the extension must be added when the policy is purchased.
Each area of cover is subject to the level of benefits you have chosen when purchasing your policy and which is shown on your Schedule of Insurance.
A summary of the cover is as follows:
PRIOR TO TRAVELLING:
If you have to cancel your trip because you have contracted or been diagnosed with COVID-19, provided you are fully vaccinated in accordance with the regulations and recommendations in force in your Country of Residence at least 42 days before your trip is due to start, you can claim for any expenses, which you have paid in advance, and which you cannot recoup from any other source, in the following circumstances:
If you contract COVID-19 during your trip, or you are told you must quarantine because you have received an individual “track and trace” directive; or you are denied boarding at your point of departure and are unable to travel on your planned and pre-booked commercial transport and have to extend your trip, you can claim for the following:
1. a) Additional accommodation costs until you are able to return home.
b) The additional cost of return transportation to your home country.
2. If you contract COVID-19 during your trip: medical expenses and, where necessary, the cost of medical repatriation.
Once you leave your Country of Residence you cannot claim for any expenses, which you have paid in advance for arrangements you must forego because you have contracted COVID-19 whilst travelling.
The underwriters of the Europesure travel insurance do not ask you declare any pre-existing medical conditions you may have.
The cover available is as follows:
a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer where you have received treatment in the last consecutive 60 months before the policy is issued.
b) Any condition where you have received a terminal prognosis
c) Any medical condition that you are aware of but have not had a diagnosis
d) Any condition where you are on a waiting list for treatment or know that you will need treatment.
e) any condition (even if it is on the list of conditions which can be covered automatically) for which you have had surgery or in-patient treatment at a hospital or clinic, or have undergone investigations at a hospital or clinic, during the 12 months before your trip.
There is cover for:
Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer where you have not received treatment and the condition has been stable and well controlled on GP administered medication for the full 60 months before the start of your trip. Treatment includes but is not limited to: non-routine tests or investigations by your doctor or a consultant/specialist; hospital admission or referral and/or newly prescribed drugs or medication because of a worsening of your condition.
There is a list of medical conditions which will be covered, provided you can comply with any of the conditions shown in brackets against the condition and you have not required hospital admission or referral to a specialist because of a worsening of your condition during the 12 months before your trip.
If you have a medical condition, which is not excluded in the Exclusions List and is not included in the list of conditions that can be covered then you will have cover if:
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For Annual Multi-Trip Policies:
You can add any of the Optional Covers at any time during the validity period of the policy while you are in your country of residence and not travelling. You cannot add an optional cover whilst you are away from home during a Trip.
For Single-Trip Policies:
You can only purchase Optional covers at the time the policy is purchased. They cannot be added once a policy has been issued.
When you add any of the Optional Covers to your policy there will be an additional premium to pay.