Full holiday brochure (pdf) - Palmers Travel

Co ach H o liday Trav el In s u ran ce
A Sp e c ia l H o lid a y Tra v e l In s u ra n c e Sc h e m e is a v a ila b le fo r a ll p a s s e n g e rs t ra v e llin g o n o u r h o lid a y s w h ic h is
a r ra n g e d w it h E T I – In t e r n a t io n a l Tra v e l Pr o t e c t io n (t h e U K b ra n c h o f E u r o p ä is c h e Re is e v e rs c h e r u n g AG ) w h o a r e
L ic e n s e d b y t h e Bu n d e s a n s t a lt fü r Fin a n z d ie n s t le is t u n g s a u fs ic h t (BAF IN – w w w .b a f in .d e ) a n d a p p r o v e d b y t h e
Fin a n c ia l Se r v ic e s Au t h o r it y (F SA – w w w .fs a .g o v .u k ) t o u n d e r t a k e in s u ra n c e b u s in e s s in t h e U K . Sh o u ld y o u w is h t o
t a k e a d v a n t a g e o f o u r H o lid a y Tra v e l In s u ra n c e p le a s e in c lu d e t h e a p p r o p r ia t e p r e m iu m w h e n b o o k in g y o u r h o lid a y .
DEM AN DS AN D N EEDS
Th is insurance policy w il suit th e Demands and N eeds of an individual
or g roup(w h ere applicable) w h o h ave no excluded pre-existing medical
conditions, are traveling in countries included w ith in th e policy terms
and w h o w ish to insure th emselves ag ainst unforeseen events detailed in
th e cover section below. Subject to th e terms, conditions and maximum
specified claim limits.
IM PO RTAN T
W e w il not provide you w ith advice about th e suitability of th is product
for your individual needs but w il be h appy to provide you w ith factual
information.W e summarise below th e details of th e insurance cover
provided w h ich also includes SPE CIA L TY A SSISTA N CE L TD - 24-h our
emerg ency service.Th e folow ing is a brief summary of th e cover available.
Ful details of Cover, Policy W arranties and E xclusions w il be forw arded
w ith your confirmation of booking . In any event you may ask for a
specimen copy of th e Policy W ording before booking sh ould you w ish to
examine th is in advance.
CO V ER SU M IN SU RED U P TO
Cancelation £ 3,500
M issed Departure/Travel Delay £ 600/£ 60
Personal A ccident £ 15,000
M edical and oth er E xpenses including Curtailment £ 2 ,000,000
A dditional Traveling E xpenses – U nited K ing dom £ 1,500
M edical Inconvenience B enefit £ 450 (£ 15 p er 2 4 h o u r s )
Personal Property/L oss of Passport £ 1,500/£ 2 00
Personal L iability £ 2 ,000,000
Delayed B ag g ag e £ 100
L eg al E xpenses £ 10,000
14 day Refund In s u ran ce Pr em iu m
PO L ICY EX CESS
Cancelation, Curtailment, H oliday A bandonment and L oss of Deposit for
h olidays up to and including 3 days N IL . For h olidays over 3 days L oss of
Deposit excess £15.00 each and every loss. For h olidays over 3 days
excess £50.00 each and every loss for Cancelation, Curtailment and
H oliday A bandonment. M edical and O th er E xpenses,A dditional
Traveling E xpenses – U nited K ing dom, Personal Property and M oney
excess £30.00 each and every incident per Insured Person.
EX CESS W AIV ER O PTIO N
Th e excesses above can be reduced to Zero if you decide to take out th e
excess w aiver option.Th is is available at an additional premium but can
only be purch ased at th e time of booking . Please make sure you advise
us th at th is option is required.
62
IM PO RTAN T – H EAL TH CO N DITIO N S APPL YIN G TO
AL L TRAV EL DESTIN ATIO N S
If y o u a re t ra v e llin g in E n g la n d , S c o t la n d ,W a le s , N o r t h e rn Ire la n d a n d
c a n a n s w e r N O t o q u e s t io n s 1 -3 a n d Y E S t o 4 im m e d ia t e ly b e lo w , it
w ill n o t b e n e c e s s a ry fo r y o u t o c o m p le t e a S e lf D e c la rin g M e d ic a l
Fo rm .T h e S t a n d a rd P o lic y T e rm s , Co n d it io n s a n d E x c lu s io n s s h a ll a p p ly .
Ap p ly in g t o all ar eas
It is a condition th at at th e time of taking out th is policy and betw een
th at time and your departure you must comply w ith each of th e
folow ing :
1) Y ou are not aw are of any reason w h y th e trip sh ould be canceled or
cut sh ort
2 ) Y ou are not traveling :
a) ag ainst th e advice of a medical practitioner
b) for th e purpose of obtaining medical treatment, or
c) if you h ave been g iven a terminal prog nosis
3) Y ou are not receiving or aw aiting treatment for an ilness or injury as
a h ospital day case or in-patient, as any claim arising from th is injury
or treatment w il not be covered.
4) if you are on medication at th e time of travel your medical condition
is stable and w el controled.
In addit io n if y o u ar e t rav elin g o u t s ide En g lan d, Sco t lan d,W ales an d
N o r t h er n Ir elan d, t h e fo llo w in g addit io n al co n dit io n s w ill ap p ly :
Y ou must notify th e Issuer of th is policy immediately of any of th e
conditions listed below arising betw een th e date th e policy is issued and
th e time of departure of th e trip.W e must be informed of any fact,
w h ich is likely to influence us in th e acceptance, assessment or
continuance of th is insurance. Failure to do so may invalidate th is
insurance, leaving you w ith no rig h t to make a claim.
1) if you h ave received medical treatment as a h ospital day case, inpatient
or out-patient during th e six month s prior to th e booking of th e
trip, you must obtain from a medical practitioner at your cost
confirmation th at you w il be fit enoug h to take th e trip.
2) if you are underg oing medical treatment as a h ospital out-patient at
th e date th e final balance of th e trip is due to be paid, you obtain a
certificate of fitness confirming your ability to travel mist at your cost.
TH E PO L ICY CO N TAIN S TH E F O L L O W IN G G EN ERAL EX CL U SIO N S:
Y O U A RE N O T CO VE RE D for anyth ing caused directly or indirectly by
you suffering from stress, anxiety or depression unless it h as been
investig ated and diag nosed as such by a Consultant specialising in th e
relevant field, w h o must confirm in w riting at your cost th at you are fit
enoug h to take th is trip.
Please note our H oliday Travel Insurance Sch eme is only available to
U nited K ing dom Residents.
W e are an A ppointed Representative of ITC Compliance L imited w h o are
auth orised and reg ulated by th e F inancial ServicesA uth ority.