Pregnancy is not deemed to be an illness and therefore is only covered if complications arise with the pregnancy. However note that airlines may not carry a pregnant woman flying around her due date. There is no cover under the policy if an airline refuses to board the passenger.
Most sections of the policy carry an excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The excess will be reduced to NIL if you have used an EHIC (Formally E111) to reduce your medical expenses bill or if you have paid to add the Excess Waiver upgrade to your policy.
Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation; and
Any illness for which you have received a terminal prognosis or any heart, heart-related or circulatory condition; or any respiratory condition; any stress, anxiety, depression or any other psychological condition; any cancerous condition; or any cerebral condition; any undiagnosed symptoms (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, or where the underlying cause of the symptoms has not been established).
For claims about travel insurance: phone the Claims Helpline on 02380 177468 or visit www.imr-claims.com.
Trent-Services (Administration) Limited deal with all claims matters for Gadget Cover. If you need to make a claim, phone the Claims Helpline on 01285 626020 or email firstname.lastname@example.org.
All claims must be submitted on a claim form, within 48 hours of discovering the incident or in the event of an incident occurring outside the UK within 48 hours of your return, accompanied by original invoices, receipts, reports, etc. Please refer to the relevant section of your policy for specific conditions and details of the supporting evidence that Trent-Services require. Please remember that it is always advisable to retain copies of all documents when submitting your claim.
Up to four dependant children under the age of 18 can be insured on a family policy providing they are in full time education living at the family home.
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
You have 14 days from receiving the policy wording to read it and see that it gives you the cover you require. During this time you can cancel the policy and receive a refund of your premium provided you have not already made a claim, that there is not an impending claim and that you have not already started your holiday or journey. If the request to cancel is received outside of the 14 days cooling off period, please call the Travel Helpline number with the reasons for cancellation.
Provided you have paid the Winter Sports upgrade, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the summary of cover. Activities covered are:
Your policy can be extended to cover the following Winter Sports when you have paid the additional Winter Sports premium, but no cover will apply in respect of any Personal Accident or personal liability claims:
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:
Please notify International Medical Rescue immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (you should first check that the circumstances are covered by your policy). Please contact International Medical Rescue on the number shown below, giving your name and certificate number, please also provide a telephone, fax or telex number where International Medical Rescue 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 International Medical Rescue as soon as possible. You MUST obtain International Medical Rescue's authorisation before incurring any expenses over £500. If you have treatment as an outpatient you must get a medical certificate showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a claim for these expenses on your return to the UK (please refer to Q4 "How do I make a claim?").
For assistance outside U.K. dial: 00 44 (0) 2380 644633
Adults can travel independently. Dependant children on an Annual Multi-trip policy can travel independently of the main insured Persons provided they are accompanied at all times by a Responsible Adult.
No, the maximum trip duration on an Annual Multi-trip policy is 31 days.
Yes, the maximum age for a Single Trip and Annual Multi-trip policy is 79.
No, this policy is only available to residents of the UK.
Providing they are travelling together with parents. If they are travelling on their own they must be escorted to the departure point and met at arrival by a responsible adult.
If you want cancellation cover in place for a holiday, then it should be purchased when you book your holiday. Annual Multi-trip policyholders will be informed when they need to renew their policy.
Please ensure that you take a copy of your booking invoice and/or certificate and a copy of the policy wording. These documents contain important numbers that you may require whilst travelling.
Golf cover is only available on the Super cover level. If you have purchased this cover level then your golf equipment will be covered up to £1,000, with a single article limit of £250.
Cancellation means that you will not have started your trip so you may be able to claim on the insurance (subject to the policy terms & conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot get back from the tour operator etc. However, the reason for cancellation has to be one of those listed under the cancellation section of the policy.
You can pay an additional premium so that you do not have to pay any excesses, should you need to make a claim. Please note that Excess Waivers can only be added at the time of purchasing the insurance and cannot be added on later. In addition the excess will not be incurred for medical emergency caused by voluntary labour where the excess is increased to £250.
European Health Insurance Card (EHIC) will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40). You can get an EHIC Card by completing form CM1 at the Post Office.
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an excess in relation to any medical related claims.
You should check with your doctor as soon as possible, your doctor will be best advised to tell you what vaccinations are required, if any.
Changes can be made at any time, as long as there are no known claims on the policy. If you wish to add any optional extra's to your policy this can be done at any time too. There is one exception which is excess wavier. Please contact the Travel Helpline.
Personal Accident - No cover will apply, if you suffer accidental bodily injury during the trip, which within 12 months is the sole and direct cause of death or disablement
Personal Liability - No cover will apply, if in the course of a trip you become liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property
The Personal Travel Agents Insurance is arranged and administered by ROCK Insurance Group. ROCK Insurance Group is a trading style of Rock Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority (FCA No. 300317).