Important conditions relating to health & activitiesPlease consider these questions very carefully in relation to yourself and your travelling companionsinsured by us.To avoid unnecessary extra cost, you should only contact the screening service if the answer to any of questions 1, 2 or3 is YES. If all the appropriate answers are NO then there is no need to contact Healthcheck and your condition(s) will beinsured.Please note that if you do contact Healthcheck and go through a full screening when the appropriate answers are all NOthen you will have to pay the appropriate additional premium quoted if you wish to cover your declared conditions.1234Within the last 12 months, have any of you suffered from, been investigatedfor, diagnosed with, received treatment or taken any medication for;a. any cancer or malignant condition.b. any lung related condition (other than stable, well controlled asthma thatrequires not more than 2 medications, including inhalers).c. any heart related condition (including angina)?NB – You must contact Healthcheck if you take regular medication for anyof these conditions.Please noteImportant featuresNoDo any of you suffer from any other medical condition that has requiredreferral to or consultation with a specialist clinic or hospital for treatment, testsor investigation within the 12 months prior to the date this insurance wasarranged or the date that you subsequently made arrangements for a trip?NB – Continuing regular medication that is taken at home for a stable, wellcontrolled condition does not amount to ‘treatment; in this context and sodoes not need to be screened. If you have stable conditions that require nomore than two routine check-ups/reviews per year each then you do notneed to be screened.Has your doctor increased your regular prescribed medication in thelast three months?NoNoYour medical conditions (if any) will be coveredWe would like to draw your attention to some importantfeatures of your insurance including:1. <strong>Insurance</strong> documentYou should read this document carefully. It gives fulldetails of what is and is not covered and theconditions of the cover. Cover can vary from onepolicy to another so you should familiarise yourself withthis particular insurance.2. Conditions and exclusionsSpecific conditions and exclusions apply to individualsections of your insurance, whilst general exclusionsand conditions will apply to the whole of yourinsurance.3. HealthThis insurance contains restrictions regarding preexistingmedical conditions of the people travelling andof other people upon whose health the trip depends.You are advised to read the document carefully.4. Property claimsThese claims are paid based on the value of thegoods at the time you lose them and not on a ‘newfor old’ or replacement cost basis. Deductions will bemade in respect of wear, tear and depreciation.5. LimitsThis insurance has limits on the amount the insurer willpay under each section. Some sections also includeother specific limits, for example, for any one item orfor valuables in total.6. ExcessesUnder some sections of this insurance, claims will besubject to an excess. This means each person will beresponsible for paying the first part of their claim undereach applicable section.There is no cover for claimsrelated directly or indirectlyto these conditions unlessdeclared to us and confirmedin writing.However, cover may beavailable by contacting<strong>WEBroker</strong> Healthcheck on0845 003 5244Please note that there will bean additional premium chargedif you use this service, theamount of which variesand is determined by thedetails declared. Any specialterms that are necessarywill be explained to you andconfirmed in writing.Are you planning to take part in any hazardous activities (see general exclusions on page 7) or are you aware ofany other circumstances that could reasonably be expected to give rise to a claim, such as the state of health of aclose relative whose health may cause you to cancel or curtail your trip? If so, please contact Voyager <strong>Insurance</strong>Services on 01483 562662.You are not covered for any related claims if you;• have any medical condition as a result of which a medical practitioner has advised you not to travel or would havedone so had you sought his or her advice.• have been given a terminal prognosis.• are on a waiting list for treatment or investigation.YesYesYes7. Reasonable careYou need to take all reasonable care to protect yourselfand your property, as you would if you were notinsured. Any amounts the insurers will pay for propertyleft unattended in a public place or unattended vehicleis very limited, as specified in the wording.8. Sports & activitiesYou may not be insured if you are going to take part insports & activities where there is a generallyrecognised risk of injury. Please check that thisinsurance covers you, or ask us.9. Customer serviceWe always try to provide a high level of service.However, if you think we have not lived up to yourexpectations, please refer to the wording whichoutlines our customer service & complaints procedure.10. Cancellation rightsThis insurance contains a 14 day ‘cooling off’ periodduring which you can return it and get a full refund,providing you have not travelled and there are noclaims. We reserve the right to deduct from therebate of premium the reasonable costs incurred inprocessing the original sale and cancellation.11. Fraudulent claimsIt is a criminal offence to make a fraudulent claim.DefinitionsBaggage means personal belongings, including clothingworn, and personal luggage owned or borrowed by youthat you take with you on your trip.Breakdown means that the vehicle in which you aretravelling stops as a result of mechanical or electricalfailure due to any cause other than lack of fuel, oil orwater.Business colleague means any person that youwork closely with whose absence for a period of oneor more complete days necessitates the cancellationor curtailment of the trip as certified by a director of thebusiness.Curtailment/curtail means cutting your planned tripshort by early return to your home country or admission tohospital as an inpatient so that you lose the benefit ofaccommodation you have paid for.End supplier means any service providers of majorelements of your booked itinerary, including transport,accommodation and ground arrangements that arebooked directly with them and paid for before the start ofyour trip.Family means two adults and all of their children(including foster children) aged 17 and under (20 andunder if in full time education). All persons must live at thesame address.Home country means your usual place of residence inthe United Kingdom, Channel Islands or Isle of Man.Illness means any disease, infection or bodily disorderwhich is unexpectedly contracted by you whilst on yourtrip or unexpectedly manifests itself for the first time duringyour trip.North America means the United States of America,Canada, Mexico and the Caribbean islands includingBahamas & Bermuda.Personal money means cash, being banknotes andcoins, travellers’ cheques, travel tickets andaccommodation vouchers carried by you for yourpersonal use.Pre-existing medical condition means anycondition that has required referral to or consultationwith a specialist clinic or hospital for treatment, tests orinvestigation within the 12 months prior to:1. the date that this insurance was arranged, or2. the date that you subsequently made arrangements fora trip (if this is an annual multi-trip policy), or3. the date that you extended the original period ofinsurance, whichever is the latest.Public transport means any aeroplane, ship, train orcoach on which you are booked to travel.Relative means husband or wife (or partner with whomyou are living at the same address), parent, grandparent,parent-in-law, brother, sister, child, grandchild, brother-inlaw,sister-in-law, son-in-law, daughter-in-law or fiancé(e).Resident means a person who permanently resides inthe United Kingdom, Channel Islands or Isle of Man and isregistered with a medical practitioner in their homecountry.Ski equipment means skis, snowboards, ski-poles,bindings, ski-boots and snowboard boots.Trip means any holiday, leisure or business trip whichbegins and ends in your home country and for which youhave paid the appropriate premium.Unattended means out of your immediate control andsupervision such that you are unable to prevent loss, theftor damage occurring.Valuables means cameras and other photographicequipment, audio and video equipment, computers,all discs, CDs, tapes and cassettes, other electronicor electrical equipment of any kind, spectacles and/or sunglasses, telescopes and binoculars, jewellery,watches, furs and items made of or containing preciousor semi-precious stones or metals.We, us and our means the insurers.You and your means each person for whom thepremium has been paid and whose age does not exceedthe maximum shown in the policy features table. Youmust be resident in the United Kingdom, Channel Islandsor Isle of Man and registered with a medical practitioner inyour home country. Each person is separately insured.2
Section 1Cancellation or curtailment(Cover under this section starts from the date shown onyour certificate or the date travel is booked, whichever isthe later).You are covered up to the amount shown in thebenefits schedule for your part of the unused travel andaccommodation costs (including unused pre-bookedexcursions up to a value of £100) that have been paid orwhere there is a contract to pay that cannot be recoveredfrom anywhere else if it is necessary to cancel or curtailthe planned trip because of any of the following eventsinvolving you or a travelling companion that first occurduring the period of insurance;a. the accidental bodily injury, unexpected illness ordeath of you, your travelling companion, your businesscolleague or person with whom you intended to stay.b. the accidental bodily injury, unexpected illness or deathof your relative or that of a travelling companion, abusiness colleague or person with whom you intendedto stay.c. receipt of a summons for jury service, beingsubpoenaed as a court witness or being placed incompulsory quarantine.d. unexpected requirement for emergency andunavoidable duty as a member of the armed forces,police, fire, nursing, ambulance or coastguard servicesresulting in cancellation of previously agreed leave.e. redundancy, provided that you are entitled to paymentunder the current redundancy payments legislationand that at the time of booking your trip you had noreason to believe that you would be made redundant.f. your presence being required to make your propertysafe and secure following fire, flood or burglary thatcauses damage at your home within 48 hours prior toyour departure, or whilst you are away.g. your car becoming unusable as a result of theft, fire oraccident within 7 days prior to your departure. Thisonly applies if you are planning to go on a self-drivetrip in the car.You are not covered fora. the amount of the excess shown in the benefitsscheduleb. anything not listed above in the items you are coveredfor.c. any directly or indirectly related claims if, within the last12 months, you or your travelling companions havesuffered from, been investigated, treated for ordiagnosed with;i. any cancer or malignant condition.ii. any lung related condition (other than stable, wellcontrolled asthma that requires no more than 2medications, including inhalers).iii. any heart related condition (including angina).iv. any pre-existing medical condition (as defined).We may agree not to apply (c) above or to accept thisinsurance at special terms but only if you supply us withdetails of your condition. Please contact <strong>WEBroker</strong>Healthcheck on 0845 003 5244.d. any pre-existing medical condition that as far as youare aware affects anyone else who is not travellingwith you but whose illness may cause you to cancel orcurtail your trip.e. any directly or indirectly related claims if, at the timethis insurance was arranged or, if later, each time youmake arrangements for a trip or you extend the originalperiod of your insurance you;i. are travelling against the advice of your doctors.ii. are travelling specifically to seek or you know you willneed medical treatment while you are away.iii. are waiting for medical or surgical treatment.iv. have been diagnosed with a terminal condition.v. were aware of any other circumstances that couldreasonably be expected to give rise to a claim.f. any costs incurred in respect of visas obtained inconnection with the trip.g. disinclination to travel.h. failure to obtain the necessary passport, visa or permitfor your trip.i. the cost of this policy.Please note that curtailment claims will be calculatedfrom the day you return to your home country or areadmitted to hospital as an inpatient. Your claim will bebased solely on the number of complete nights’accommodation lost. In respect of travel expenses, wewill pay for any additional costs but not for the loss of yourpre-booked arrangements.ConditionsIt is a requirement of this insurance that if you;a. (for cancellation) become aware of any circumstanceswhich make it necessary for you to cancel your trip,you must advise your tour operator or travel agent inwriting as soon as possible. The maximum amountwe will pay will be limited to the applicable cancellationcharges at that time.b. (for curtailment) wish to return home earlier than youroriginal plans and claim any additional costs under thisinsurance, you must contact our nominatedemergency service and obtain their agreement to thenew arrangements. Failure to do so will affect theassessment of your claim.Please also refer to the general exclusions andconditions.Section 2Emergency medical expensesIf you or a member of your party have to go to hospital asan in-patient during your trip, require medical treatmentthat will cost more than £250 (or its equivalent in localcurrency) or need to travel home differently to your originalplans, ONE Assist must be contacted BEFORE makingany arrangements. If this is not possible because thecondition requires immediate treatment to save life orlimb, ONE Assist must be contacted as soon as possiblethereafter (see condition (a) of section 2 - emergencymedical expenses). Failure to obtain proper authorisationwill mean the insurers are not liable for the expenses.You are covered up to the amount shown in thebenefits schedule for either the necessary and reasonablecosts incurred as a result of you sustaining accidentalbodily injury, unexpected illness or death during your tripin respect of;a. emergency medical, surgical and hospital treatmentand transportation. At the sole discretion of ournominated emergency service, who reserve the rightto make the final decision as to whether or not it ismedically necessary, this also includes the cost ofrepatriation to your home country, by whatever meansdeemed medically necessary. The cost of emergencydental treatment to natural teeth is covered up to £350provided that it is for the immediate relief of pain only.b. additional travel and accommodation expenses (on abed & breakfast basis) to enable you to return home ifyou are unable to travel as originally planned.c. additional travel and accommodation expenses (on abed & breakfast basis) for;i. a travelling companion to stay with you andaccompany you home, orii. a relative or friend to travel from your home countryto stay with you and accompany you home.d. returning your remains to your home or of a funeral inthe country where you died, up to the equivalent costof returning your remains to your home country.e. with the prior agreement of our nominated emergencyservice, your necessary additional travel expenses toreturn home following the death, injury or illness of atravelling companion insured by us or of your (or yourtravelling companion’s) relative or business colleague inyour home country.You are not covered fora. the amount of the excess shown in the benefitsschedule in respect of each claim unless a recoverycan be made under the terms of any E.U. or any otherreciprocal arrangement.b. any directly or indirectly related claims if, within the last12 months, you or your travelling companions havesuffered from, been investigated, treated for ordiagnosed with;i. any cancer or malignant condition.ii. any lung related condition (other than stable, wellcontrolled asthma that requires no more than 2medications, including inhalers).iii. any heart related condition (including angina).iv. any pre-existing medical condition (as defined).We may agree not to apply (b) above or to accept thisinsurance at special terms but only if you supply us withdetails of your condition. Please contact <strong>WEBroker</strong>Healthcheck on 0845 003 5244.c. any pre-existing medical condition that as far as youare aware affects anyone else who is not travellingwith you but whose illness may cause you to cancel orcurtail your trip.d. any directly or indirectly related claims if, at the timethis insurance was arranged or, if later, each time youmake arrangements for a trip or you extend the originalperiod of your insurance, you:3i. are travelling against the advice of your doctor.ii. are travelling specifically to seek or you know you willneed medical treatment while you are away.iii. are waiting for medical or surgical treatment.iv. have been diagnosed with a terminal condition.v. were aware of any other circumstances that couldreasonably be expected to give rise to a claim.e. any treatment or surgery;i. which is not immediately necessary and can waituntil you return home. We reserve the right to repatriateyou when you are fit to travel in the opinion of ournominated emergency service.ii. which in the opinion of our nominated emergencyservice is considered to be cosmetic, experimental orelective.iii. carried out in your home country or more than 12months after the expiry of this insurance.iv. not given within the terms of any reciprocal healthagreements, wherever such agreements exist.f. exploratory tests unless they are normally conductedas a direct result of the condition which requiredreferral to hospital.g. claims related to manual labour unless declared to andaccepted by us.h. the additional cost of accommodation in a single orprivate room, unless it is medically necessary or thereis no alternative.i. the costs of medication or treatment that you knew atthe time of your departure would need to be continuedduring your trip.j. the costs of replacing or repairing false teeth or ofdental work involving the use of precious metals.k. the normal costs or losses otherwise associated withpregnancy (including multiple pregnancy) or childbirth.This includes, but is not limited to, delivery bycaesarean section or any other medically or surgicallyassisted delivery which does not cause medicalcomplications. The policy does, however, cover youshould complications arise with your pregnancy due toaccidental injury or unexpected illness which occurswhile on your trip.ConditionsPlease note that it is essential under the terms of thisinsurance that;a. our nominated emergency service is contactedimmediately and their prior authority obtained if itappears likely that you require admission to hospital,you require medical treatment which will cost morethan £250 (or its equivalent in local currency) or if youwish to return home earlier than your original plans. If itis not possible to notify them in advance because thecondition requires immediate treatment to save life orlimb our nominated emergency service must benotified as soon as possible. Failure to do so will affectthe assessment of your claim.b. wherever possible you must use medical facilities thatentitle you to the benefits of any reciprocal healthagreements, such as the EHIC in Europe andMEDICARE in Australia.Please also refer to the general exclusions andconditions.Reciprocal health agreementsEU, EEA or SwitzerlandIf you are travelling to countries within the European Union(EU), the European Economic Area (EEA) or Switzerlandyou are strongly advised to obtain a European Health<strong>Insurance</strong> Card (EHIC). You can apply for an EHIC eitheron line at www.ehic.org.uk or by telephoning 0845 6062030. This will entitle you to benefit from the health carearrangements which exist between countries within theEU/EEA or Switzerland. In the event of liability beingaccepted for a medical expense which has been reducedby the use of a European Health <strong>Insurance</strong> Card we willnot apply the deduction of excess under section 2 -emergency medical expenses.AustraliaIf you require medical treatment in Australia you must enrolwith a local MEDICARE office. You do not need to enrolon arrival but you must do this after the first occasion youreceive treatment. In-patient and out-patient treatment ata public hospital is then available free of charge. Details ofhow to enrol and the free treatment available can be foundby visiting the MEDICARE website on www.medicareaustralia.gov.au or by emailing medicare@medicareaustralia.gov.au. Alternatively please call our nominatedemergency service for guidance. If you are admitted tohospital contact must be made with our nominatedemergency service as soon as possible and their authorityobtained in respect of any treatment NOT available underMEDICARE.
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