ASDA Annual Multi-Trip Insurance

Section B Emergency Medical and Associated Expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
a) emergency medical treatment outside the UK (including rescue services to take You to hospital)
b) up to £200 for emergency pain relief dental treatment outside the UK
c) any reasonable extra charges for half board accommodation (of a similar standard to the accommodation You had booked for Your Trip) if You have to stay after the date You were going to return to Your Home. We will also pay travel costs, which You have to pay to get back to Your Home if You cannot use Your return ticket.
d) up to £2,500 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.
2. We will pay the cost of getting You Home if it is medically necessary because You are seriously injured or fall seriously ill during Your Trip and You cannot use Your return ticket.
Under items 1c and 2 above, We will also pay the reasonable travel and accommodation costs of one relative or friend who has to travel or stay with You if Your treating Doctor and Our Medical Emergency Assistance provider think that it is necessary.
Special conditions
1. You must phone the Medical Emergency helpline on (+44) 1603 208 031 immediately if You need to go into hospital as an in-patient or if You need to return to the UK.
2. If You are injured or fall ill during Your Trip, Our Medical Emergency Assistance provider may:
move You from one hospital to another; and/or
arrange for You to return to the UK at any time.
They will only do this if they and the treating Doctor think that it is safe for You to be moved or returned to the UK. If You choose not to move hospital or return to the UK Our liability will end on the date it
was deemed safe for You to do so.
The most We will pay
Within the UK: £2,000 for each Insured Person under items 1c, 1e and 2 above.
Elsewhere: Up to £5,000,000 for each Insured Person.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
See exclusions listed after Section C.

Section E Personal Accident
If You suffer an accidental bodily injury during Your Trip and the injury is caused by external, violent and visible means, We will pay You or Your legal representative:
a. £15,000 if Your injury solely and independently of any other cause leads to Your death (this benefit is reduced to £1,000 for Insured Persons under 16 years)
b. £25,000 if Your injury leads solely and independently of any other cause leads to Loss Of One Or More Limbs and/or the
Total Loss Of Sight in one or both eyes or;
c. £25,000 if Your injury solely and independently of any other cause leads to Your Permanent Total Disablement after 104 weeks (except where compensation is paid under b) above) NB The benefit payable under b) and c) above is reduced to £15,000 if You are over 70 years of age at the time of the accident
Special Conditions
1. The death or disability must happen within one year of the accident
2. You can only claim for one item under this section
The most We will pay
The maximum amount that We will pay for each Insured person is £25,000
What is not covered
1. Any claim for sickness, disease, nervous shock or naturally occurring condition or degenerative process.
2. Any claim that results from:
a) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
b) You motorcycling: as a rider or passenger on a machine over 125cc; or as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
c) Your involvement in manual work of any kind
d) You taking part in any winter sports activity listed on page 11 unless Winter Sports cover is shown on Your policy schedule
e) You taking part in a leisure or winter sports activity not listed on page 11
f) You taking part in any organised team or contact sport not listed on page 11, any activity either as a professional, or where You receive any financial reward or gain, or competing in or practising for speed or time trials, sprints or racing of any kind
g) You taking part in expeditions or being a crew member on a vessel travelling from one country to another.
3. Anything mentioned in the General Exclusions on page 34.

Section C Hospital Benefit
If You are claiming for medical expenses that are covered under Section B, We will also pay You £15 for every 24 hours You are being treated as an in-patient in a hospital outside the UK towards incidental expenses You have to pay, such as telephone calls.
The most We will pay
The most We will pay for each Insured Person is £600.
What is not covered under Sections B and C
1. Any claim for a medical condition if any Insured Person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3. Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5. Any claim for:
a) the cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance provider has not agreed beforehand
b) the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for
c) any form of treatment that Your treating Doctor and Our Medical Emergency Assistance provider think can reasonably wait until You get back to the UK
d) cosmetic surgery
e) medication which, at the time Your Trip started, You knew that You would need while You were away
f) any extra costs because You have requested a single or private room
g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre h) any treatment after You have returned to the UK.6. Costs incurred following Your decision not to move hospital or return to the UK after the date when, in the opinion of Our Medical Emergency Assistance provider it was safe for You to do so.
7. Any claim resulting from a tropical disease where You have not had the recommended inoculations and / or taken the recommended medication.
8. Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
d) You motorcycling: as a rider or passenger on a machine over 125cc; or as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 11 unless Winter Sports cover is shown on Your policy schedule
g) You taking part in a leisure or winter sports activity not listed on page 11
h) You taking part in any organised team or contact sport not listed on page 11, any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind
i) You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
j) Anything mentioned in the General Exclusions on page 34.

Section B Emergency Medical and Associated Expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
a) emergency medical treatment outside the UK (including rescue services to take You to hospital)
b) up to £200 for emergency pain relief dental treatment outside the UK

Section B Emergency Medical and Associated Expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d) up to £2,500 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section B Emergency Medical and Associated Expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d) up to £2,500 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section M - Personal Money
We will cover You for loss or theft of Your Personal Money during Your Trip.
Contact Us on (+44) 1603 208 031 and We will advise You how to replace lost or stolen Personal Money.
Special conditions
1. You must always take reasonable care to keep Your Personal Money safe. If Your Personal Money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen Personal Money and how much it is worth. If You do not, it may affect Your claim.
The most We will pay
The most We will pay for each Insured Person is £500, but no more than £200 for cash or bank notes. A reduced limit of £100 for cash or bank notes applies to Insured Persons aged under 16 years.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Any loss or theft of Personal Money which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any Personal Money which is delayed, detained or confiscated by customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of Personal Money not carried in Your hand baggage while You are travelling.
5. Loss or theft of Personal Money while it is Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions on page 34.

Section I - Legal Expenses and Advice
This section is arranged by Capita and underwritten (insured) by Brit Insurance Limited.
1 The insurer will cover you for the reasonable legal costs you or your personal representatives have to pay to get damages for your personal injury or death caused by the fault of someone else during the period of insurance.
You must tell the insurer within two weeks of getting back to the United Kingdom that you are going to make a claim. You must co-operate fully with the insurer and give all the evidence and information required to assess your claim. You must do this at your own expense. To claim under this section, you should phone the claims handlers, Capita Assistance, on 0870 1648 458 and quote reference ASDA Travel.
2 For advice on any legal problem which may lead to a claim, phone 0870 1648 458 and quote reference ASDA Travel.
The most the insurer will pay
The most the insurer will pay for each insured event is £25,000.
Excess
The insurer will not pay the first £100 of each claim.
What the insurer do not cover
The insurer do not cover any of the following:
1 legal costs for claims against a tour operator, travel agent, us, our agent, a carrier or any provider under a tour package arrangement;
2 legal costs you have to pay before Capita have accepted the claim in writing or costs that are more than those agreed;
3 claims where there is no reasonable chance of success or if Capita think that you are unlikely to get a significant financial benefit;
4 claims where Capita reasonably think that you will not be able to get damages in the country in question;
5 incidental expenses such as travelling costs;
6 legal expenses which Capita reasonably think are unreasonable;
7 professional costs and expenses you will have to pay if your action is successful (no win no fee);
8 items listed under General Exclusions.

Section L - Loss of Passport
We will cover You for loss or theft of Your passport while You are abroad. We will pay reasonable extra travel, accommodation and communication expenses You have to pay to get a temporary passport and the cost of the temporary replacement passport.
Contact Us on (+44) 1603 208 031 and We will advise You how to replace lost or stolen passports.
Special condition
You must always take reasonable care to keep Your passport safe. If Your passport is lost or stolen You must take all reasonable steps to get it back. The most We will pay The most We will pay for each Insured Person is £250.
What is not covered
1. Any loss or theft of Your passport if You do not report it to the police within 24 hours of discovery and get a written police report.
2. Any loss or theft of Your passport while it is Unattended.
3. Anything mentioned in the General Exclusions on page 34.

Section M - Personal Money
We will cover You for loss or theft of Your Personal Money during Your Trip.
Contact Us on (+44) 1603 208 031 and We will advise You how to replace lost or stolen Personal Money.
Special conditions
1. You must always take reasonable care to keep Your Personal Money safe. If Your Personal Money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen Personal Money and how much it is worth. If You do not, it may affect Your claim.
The most We will pay
The most We will pay for each Insured Person is £500, but no more than £200 for cash or bank notes. A reduced limit of £100 for cash or bank notes applies to Insured Persons aged under 16 years.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Any loss or theft of Personal Money which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any Personal Money which is delayed, detained or confiscated by customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of Personal Money not carried in Your hand baggage while You are travelling.
5. Loss or theft of Personal Money while it is Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions on page 34.

Section J - Hijack and Mugging
We will pay £50 for each full 24-hour period if:
1. You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2. You are in hospital receiving in-patient treatment required following a mugging.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
We will not pay any claim:
1. Unless You provide written confirmation of the delay from the airline or carrier.
2. If You do not report the mugging to the police within 24 hours and get a written police report.
3. For anything mentioned in the General Exclusions on page 34.

Section J - Hijack and Mugging
We will pay £50 for each full 24-hour period if:
1. You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2. You are in hospital receiving in-patient treatment required following a mugging.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
We will not pay any claim:
1. Unless You provide written confirmation of the delay from the airline or carrier.
2. If You do not report the mugging to the police within 24 hours and get a written police report.
3. For anything mentioned in the General Exclusions on page 34.

Section P - Winter Sports Equipment
1 If your skis, snowboard, boots, bindings or sticks are lost or stolen or damaged by accident, we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to 1 year old, 90% of the purchase price
Up to 2 years old, 70% of the purchase price
Up to 3 years old, 50% of the purchase price
Up to 4 years old, 30% of the purchase price
Over 4 years old, 20% of the purchase price
The most we will pay is £400 for each insured person.
The most we will pay
The most we will pay under item 1 for each insured person is £400.
2 If you hire winter sports equipment and it is lost, stolen or damaged by accident, we will pay for it's replacement or repair.
The most we will is £200 for each insured person.
3 If we pay under this section, we will also pay up to £30 a week to hire replacement equipment for the rest of your holiday.
The most we will pay is £60 for each insured person.
Excess
We will not pay the first £50 of each insured person's claim.
What is not covered:
1 deliberate or malicious damage to equipment owned or hired by the insured person;
2 loss of damage to equipment owned or hired by the insured person that is caused by their carelessness or neglect on behalf of the insured;
3 damage caused by wear and tear, moths or vermin;
4 losses from motor vehicles;
5 losses that are not reported to the police within 24 hours of discovery and that you have not got a written police report for;
6 items listed under the General Exclusions.

Section P - Wintersports Equipment
1 If your skis, snowboard, boots, bindings or sticks are lost or stolen or damaged by accident, we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to 1 year old, 90% of the purchase price
Up to 2 years old, 70% of the purchase price
Up to 3 years old, 50% of the purchase price
Up to 4 years old, 30% of the purchase price
Over 4 years old, 20% of the purchase price
The most we will pay is £400 for each insured person.
The most we will pay
The most we will pay under item 1 for each insured person is £400.
2 If you hire winter sports equipment and it is lost, stolen or damaged by accident, we will pay for it's replacement or repair.
The most we will is £200 for each insured person.
3 If we pay under this section, we will also pay up to £30 a week to hire replacement equipment for the rest of your holiday.
The most we will pay is £60 for each insured person.
Excess
We will not pay the first £50 of each insured person's claim.
What is not covered:
1 deliberate or malicious damage to equipment owned or hired by the insured person;
2 loss of damage to equipment owned or hired by the insured person that is caused by their carelessness or neglect on behalf of the insured;
3 damage caused by wear and tear, moths or vermin;
4 losses from motor vehicles;
5 losses that are not reported to the police within 24 hours of discovery and that you have not got a written police report for;
6 items listed under the General Exclusions.

Section P - Winter SportsEquipment
1 If your skis, snowboard, boots, bindings or sticks are lost or stolen or damaged by accident, we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to 1 year old, 90% of the purchase price
Up to 2 years old, 70% of the purchase price
Up to 3 years old, 50% of the purchase price
Up to 4 years old, 30% of the purchase price
Over 4 years old, 20% of the purchase price
The most we will pay is £400 for each insured person.
The most we will pay
The most we will pay under item 1 for each insured person is £400.
2 If you hire winter sports equipment and it is lost, stolen or damaged by accident, we will pay for it's replacement or repair.
The most we will is £200 for each insured person.
3 If we pay under this section, we will also pay up to £30 a week to hire replacement equipment for the rest of your holiday.
The most we will pay is £60 for each insured person.
Excess
We will not pay the first £50 of each insured person's claim.
What is not covered:
1 deliberate or malicious damage to equipment owned or hired by the insured person;
2 loss of damage to equipment owned or hired by the insured person that is caused by their carelessness or neglect on behalf of the insured;
3 damage caused by wear and tear, moths or vermin;
4 losses from motor vehicles;
5 losses that are not reported to the police within 24 hours of discovery and that you have not got a written police report for;
6 items listed under the General Exclusions.

Section S - Ski Pack
We will cover you for the cost of your ski pack that you have not used (if you have already paid and can't get money back) if you are ill or injured while you are on holiday and you are medically certified as not being able to use it.
The ski pack includes lessons from a ski school, ski hire and the cost of any lift pass.
The most we will pay
The most we will pay for each insured person is £75 a week and no more than £225 in total.

Section R - Piste Closure
(This does not apply to cross-country skiing)
If all pistes at the resort you have booked are closed because of lack of snow, we will pay up to £10 a day to transport you (organised by your tour operator) to another site for as long as necessary. If there are no other sites, we will pay £20 compensation each day.
The most we will pay
The most we will pay for each insured person is £200.
Note - This section does not apply in the United Kingdom, and within Europe the cover only applies during the period 15 December to 15 April.

Section R - Piste Closure
(This does not apply to cross-country skiing)
If all pistes at the resort you have booked are closed because of lack of snow, we will pay up to £10 a day to transport you (organised by your tour operator) to another site for as long as necessary. If there are no other sites, we will pay £20 compensation each day.
The most we will pay
The most we will pay for each insured person is £200.
Note - This section does not apply in the United Kingdom, and within Europe the cover only applies during the period 15 December to 15 April.

Section R - Piste Closure
(This does not apply to cross-country skiing)
If all pistes at the resort you have booked are closed because of lack of snow, we will pay up to £10 a day to transport you (organised by your tour operator) to another site for as long as necessary. If there are no other sites, we will pay £20 compensation each day.
The most we will pay
The most we will pay for each insured person is £200.
Note - This section does not apply in the United Kingdom, and within Europe the cover only applies during the period 15 December to 15 April.

Section Q - Avalanche Closure
We will cover you for the cost of extra travel and accommodation if an avalanche or landslip delays your arrival at or departure from the booked resort.
The most we will pay
The most we will pay for each insured person is £100.

Section P - Winter Sports Equipment
1. If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
- Up to one year old, 90% of the purchase price
- Up to two years old, 70% of the purchase price
- Up to three years old, 50% of the purchase price
- Up to four years old, 30% of the purchase price
- Over four years old, 20% of the purchase price
The most We will pay is £400 for each Insured Person.
2. If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair. The most We will pay is £200 for each Insured Person.
3. If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.

Winter Sports activities
The following winter sports activities are only covered if this option has been selected by You for all Insured Persons and it is shown on Your policy schedule.
Cross-country skiing (on recognised paths)
Dry slope skiing
Off-piste skiing o
Off-piste snowboarding o
Skiing (on recognised pistes)
Sledging
Snowboarding (on recognised pistes)
Snow mobiling ?
Snow shoeing
? No Personal Liability cover
o With a qualified guide in areas that resort management consider to be safe

We pay claims for property based on the value of the goods at the time of the loss.
We will not pay the cost of replacing the goods with new items.

Section O - Baggage (optional)
This section only applies if shown on Your policy schedule.
We will cover You for loss, theft or accidental damage to Your personal belongings or baggage during Your Trip.
Special conditions
1. You must take reasonable care to keep Your personal belongings and baggage safe. If Your personal belongings or baggage is lost or stolen, You must take all reasonable steps to get it back.
2. If Your personal belongings or baggage is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If Your personal belongings or baggage is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and how much they are worth. If You do not do this, it may affect Your claim.
5. At Our option, We will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of loss. We will not pay the cost of replacing them with new items, and We will not pay more than the original purchase price of any lost or damaged item.
6. If You have also made a claim under Section N Delayed Baggage this amount will be deducted from the amount claimed under this section.
The most We will pay
The most We will pay for each Insured Person is £1,500 but no more than: £250 for any one article, pair or set of articles; and £250 in total for Valuables.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1. Loss or theft of personal belongings or baggage which You have left Unattended.
2. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3. Pedal cycles, contact lenses, and medical and dental fittings.
4. Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of loss
such as a letter from Your transport company or hotel).
6. Sports equipment that is damaged while it is being used.
7. Winter Sports Equipment.8. Any goods delayed, detained or confiscated by customs or other officials.
9. Items used in connection with Your job which are not owned by You.
10. Bonds, securities or documents of any kind.
11. Loss or damage to Valuables not carried in Your hand baggage while You are travelling.
12. Deliberate or malicious damage to personal belongings or baggage caused an Insured Person
13. Personal Money.
14. Anything mentioned in the General Exclusions on page 34.

Section N - Delayed Baggage
If Your baggage is temporarily lost on the outward journey and You are without it for more than 12 hours, We will pay for the replacement of essential items. To claim under this section, You must keep the receipt of anything You buy and get written confirmation from the carrier of the number of hours You were without Your baggage. The most We will pay The most We will pay for each Insured Person is £100.
What is not covered
1. Any claim for baggage delayed or detained by customs or other officials.
2. Anything mentioned in the General Exclusions on page 34.

Section A Cancellation Charges
We will cover You for:
- deposits You have paid for Your Trip and cannot get back
- Your unused travel and accommodation costs which You have paid or legally have to pay and cannot get back
- unused kennel, cattery or professional carersfees up to £200, which You have paid or legally have to pay and cannot get back.
If, after the date of buying Your policy or booking a Trip (whichever is later), You unavoidably have to cancel Your Trip for one of the reasons below:
1. One of the following people is injured, falls ill, is quarantined or dies:
You
Your Travelling Companion
any person You were going to stay with.
2. One of the following people is seriously injured, falls seriously ill or dies:
any Close Relative of Yours or of Your Travelling Companion
any Close Business Associate of Yours or of Your Travelling Companion.
3. You or Your Travelling Companion are called for jury service or as a witness in a court of law during the period of insurance.
4. You, Your Travelling Companion or Your marital/civil partner or partner who lives with You are made redundant and registered as unemployed with the Employment Service. Cover does not apply to self-employed people.
5. Your Home or Your Travelling Companions Home is badly damaged by fire, storm or flood in the seven days prior to the departure of Your Trip.
6. The police need to talk to You or Your Travelling Companion because Your Home or their home or place of work has been burgled.
Special condition
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to cancel Your Trip.
The most We will pay
The most We will pay for each Insured Person is £2,500 (unless shown otherwise on Your policy schedule).
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons cancel the same Trip. For loss of deposits We will not pay the first £10 of each Insured Persons claim.
What is not covered
1. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
had been told You have a terminal illness.
2. Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You took out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
3. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.4. Any claim that results from:
any anxiety state, depression, mental, nervous or emotional disorder which had been diagnosed before You took out Your policy or booked Your Trip (whichever is later)
pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date.
5. Any claim made because You dont feel like travelling.
6. Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if You, Your Travelling Companion or Your marital/civil partner or partner who lives with You knew of the redundancy before You took out Your policy or booked Your Trip (whichever is later).
7. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
9. Any claim for refund of any costs for persons not named on this policy.
10. Anything mentioned in the General
Exclusions on page 34.

Section H - Missed Departure
If, as a direct result of:
1. failure of scheduled public transport services;
2. delay to a connecting scheduled flight: or
3. accidental damage to, or breakdown of, the vehicle in which You are travelling;
You arrive at Your final point of international departure from or to the UK too late to board the ship, aircraft or train on which You are booked to travel, We will pay
1. extra accommodation and travel costs You have to pay to reach Your destination on Your outward journey from the UK
2. extra accommodation and travel costs You have to pay to reach the UK on your return journey
Special conditions
1. If You have missed or will miss Your international ship, aircraft or train due to one of the reasons listed above, contact (+44) 1603 208 031 and We will contact the carrier for You (if a late arrival is possible) or will make alternative travel arrangements for You, up to the limit payable. Any cost incurred may have to be paid by You and submitted as a claim.
2. You must get a repairers report if You are claiming because the vehicle You were travelling in had an accident or broke down. The most We will pay The most We will pay for each Insured Person is £1,000.
What is not covered
1. Any claim caused by a strike or industrial action that was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where a possible reason for delay was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
3. Any claim where You have not allowed sufficient time to reach Your international departure point from or to the UK.
4. Any claim where You have not done everything You can to get to the international departure point from or to the UK for the time specified on Your ticket / itinerary.
5. Any claim where the carrier has offered reasonable alternative transport.
6. Any claim if Your Trip is solely within the UK, including the Channel Islands, Northern Ireland or the Isle of Man
7. Any claim for additional costs incurred in returning to Your Home following Your return to the UK
8. Anything mentioned in the General Exclusions on page 34.

Section G - Delayed Departure
This section does not apply for holidays solely within the UK (including Channel Islands, Northern Ireland or Isle of Man) or for any delay that does not occur at Your final point of international departure from or to the UK.
If the scheduled departure of the ship, aircraft or train on which You are booked to travel is delayed on Your outward international journey from the UK, or on the final part of Your international return journey to the UK.
We will:
1. Pay £20 for the first full 12 hour period You are delayed, and £10 for each full 12 hour period that You are delayed after that.
2. Refund Your unused travel and accommodation costs, which You have paid or legally have to pay but cannot get back if, after You have been delayed for more than 24 hours on Your outward international journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel, cattery or professional carersfees which You cannot get back up to £200.
Special condition
We will work out the length of the delay from the date and time the international ship, aircraft or train was scheduled to depart. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most We will pay
The most We will pay under item 1 for each Insured Person is £100. The most We will pay under item 2 for each Insured Person is £2,500 (unless shown otherwise in Your policy schedule.)
Excess
We will not pay the first £50 of each Insured Persons claim under item 2. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1. Any claim caused by a strike or industrial action which was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where a possible reason for delay was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
3. Any claim if Your Trip is solely within the UK, including the Channel Islands, Northern Ireland or the Isle of Man.
4. Any claim if the international ship, aircraft or train on which You are booked to travel is cancelled by the carrier.
5. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
6. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
7. Any claim for refund of any costs for persons not insured under this policy.
8. More than one item under this section.
9. Anything mentioned in the General Exclusions on page 34.

Section D - Abandonment
We will cover You for:
unused accommodation costs that You have paid for before starting Your Trip, or legally have to pay, and cannot get back
reasonable additional travel costs to allow You to return Home early if You cannot use Your return ticket
reasonable additional accommodation costs to allow You to return Home early
unused kennel, cattery or professional carersfees up to £200 that You have paid for before starting Your Trip, or legally have to pay, and cannot get back;
If You unavoidably have to Abandon Your Trip because any of the following happen whilst You are away:
1. One of the following people is seriously injured, falls seriously ill, is quarantined or dies:
a. You
b. Your Travelling Companion
c. the person You were staying with.
2. One of the following people is seriously injured, falls seriously ill or dies:
a. any close Relative of Yours or of Your Travelling Companion
b. any Close Business Associate of Yours or of Your Travelling Companion.
3. Your Home or Your Travelling Companions home is badly damaged by fire, storm or flood.
4. The police need to talk to You or Your Travelling Companion because Your Home or their home or place of work has been burgled.
Special conditions
1. If You need to return to the UK and intend to make a claim under this section, You must phone Our Medical Emergency Assistance provider immediately on (+44) 1603 208 031.
2. All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to Abandon Your Trip.
The most We will pay
The most We will pay for each Insured Person is £2,500 (unless shown otherwise on Your policy schedule).
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1. Any claim for a medical condition if any Insured Person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy, or booked Your Trip (whichever is later). You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3. Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You took out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
4. Any claim for a medical condition where You or anyone upon whose good health Your Trip depends has received medical advice for a potentially serious illness or injury between booking Your Trip and the
departure date unless disclosed to and accepted by Us.
5. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
6. Any claim made because You did not enjoy Your Trip.
7. Any claim which was not authorised by Our Medical Emergency Assistance provider before You returned Home.
8. Any claim resulting from a tropical disease where You have not had the recommended inoculations and / or taken the recommended medication.
9. Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
d) You motorcycling: as a rider or passenger on a machine over 125cc; or as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 11 unless Winter Sports cover is shown on Your policy schedule
g) You taking part in a leisure or winter sports activity not listed on page 11
h) You taking part in any organised team or contact sport not listed on page 11, any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind
i) You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
10. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
11. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
12. Any claim for refund of any costs for persons not named on this policy.
13. Any claim for additional travelling expenses if You have not purchased a return ticket to the UK.
14. Anything mentioned in the General Exclusions on page 34.

Section F - Personal Liability
We will cover You for any money that You legally have to pay that relates to an accident during Your Trip which causes:
a. death or injury to any person; and /or
b. loss or damage to property.
The most We will pay
The most We will pay for all claims arising from any one event is £2,000,000 for each Insured Person. We will also pay any extra costs and expenses that You have to pay as long as We agree, in writing, beforehand.
What is not covered
1. Any fines or exemplary damages (punishing, or aimed at punishing, the person responsible rather than awarding compensation) You have to pay.
2. Liability arising from:
a) death or injury of people who work for You or members of Your household
b) loss of or damage to property which belongs to or is under the control of You, a member of Your household or people who work for You
c) Your job (this exclusion still applies when Your policy has been extended to cover business travel)
d) Your involvement in manual work of any kind
e) You owning or occupying any land or building, unless You are occupying any temporary holiday accommodation which is not owned by you, in which case We will not cover the first £100 of any claim
f) You owning or using:
- animals (except domestic animals);
- firearms (except sporting guns used for clay pigeon shooting);
- motorised vehicles;
- vessels (except manuallypropelled watercraft);
- or aircraft of any description, including unpowered flight.
g) You taking part in any winter sports activity listed on page 11 unless Winter Sports cover is shown on Your policy schedule
h) You taking part in a leisure or winter sports activity not listed on page 11
i) You taking part in any organised team or contact sport not listed on page 11, any activity either as a professional, or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind.
3. Anything mentioned in the General Exclusions on page 34 .

There is no cover for kennel fees following delayed return although the following cover is provided:
Section K - Pet Care
We will pay vets' fees of £25 for each 24-hour period, up to a total of £250, if your pet needs inpatient veterinary treatment as a result of an injury or accident which happens during the period of insurance.
What we do not cover
We will not make any payment:
1 unless your pet is being cared for by a relative, friend or professional carer while you are on holiday;
2 if you do not have written confirmation from your vet giving details of the injury or accident and the number of days that your pet has to be treated as an inpatient; and
3 for items listed under the General Exclusions.

This policy does not cover the following:
1 Loss, damage or liability which is the direct or indirect result of any of the following, whether or not contributed to by any other cause or event:
war; invasion; activities of a foreign enemy; hostilities or warlike actions (whether war has been declared or not); civil war; revolution or insurrection (that is, people rising up and rebelling against the government by force); civil commotion which is so severe or widespread that it resembles a popular uprising; military power (even if authorised by the duly elected government); or usurped power (that is, power taken by force by any person or group (including the armed forces).
2 claims directly or indirectly caused by:
a ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
b the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or
c pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
3 Death, injury, illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless you are trying to save human life), venereal infection or the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not for treating drug addiction).
4 Any indirect or consequential loss that is not described in the policy.
5 Any claim arising, directly or indirectly, from the failure, or fear of failure of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date.
This exclusion does not apply to the Emergency Medical and Associated Expenses, Hospital Benefit or Personal Accident sections.

1 You must pay us back any costs which we have paid which you are not covered for.
2 You must tell us as soon as possible after any bodily injury, illness, incident or unemployment, or if you discover any loss or damage which may lead to a claim under this policy. You must also tell us if you are aware of any writ, summons or prosecution. You must send us every communication relating to a claim immediately.
3 You, or any person acting for you, must not negotiate, admit or reject any claim without our permission in writing.
4 We may refuse to pay any expenses for which you cannot provide receipts or bills.
5 You or your legal representative must pay for any certificates, information and evidence which we may need. When there is a claim for bodily injury or illness, we may ask for, and will pay for, any insured person to be medically examined on our behalf. We may also ask for, and will pay for, a postmortem examination if any insured person dies.
6 If, at the time of the incident which results in a claim under this policy, there is any other insurance covering the same loss, damage, expense or liability, we will only pay our share. This condition does not apply to the Personal Accident or Hospital Benefit sections.
7 We are entitled to take over and carry out in your name the defence or settlement of any legal action. We may also take proceedings at our own expense and for our own benefit, but in your name, to recover any payment we have made under the policy to anyone else.
8 If you, or anyone acting for you, make a claim under this policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way, or if you give any false declaration or statement to support the claim, we will not pay the claim and all cover under the policy will end.
We reserve the right to tell the police about any dishonest claim.
9 We may cancel this policy by sending you 14 days notice to your last known address. We may return part of the premium to you. We also reserve the right to cancel this policy if you fail to pay the premium.
Cancellation
You may cancel the policy at any time by contacting us. If you cancel the policy within 14 days of receiving it, you will be entitled to a full refund of the premium as long as you have not made a claim and you have not travelled.
If you cancel the policy after 14 days of receiving it, we will not refund the premium.
We may cancel this policy by sending you 14 days' notice to your last known address.
We may return part of the premium to you.
We also reserve the right to cancel this policy if you fail to pay the premium.