Policy summary
Main policy limits only, please see the policy document for other limits that may apply.
| Section |
Limit |
Section |
Limit |
| Cancellation or Curtailment |
£3,000 |
Missed Departure |
£500 |
| Personal Accident |
£15,000 |
Personal Liability |
£2,000,000 |
| Medical & Other Expenses |
£5,000,000 |
Legal Expenses |
£25,000 |
| Hospital Benefit |
£300 |
Winter Sports Equipment |
£500 |
| Personal Luggage Money & Valuables |
£2,000 |
Hire of Skis |
£250 |
| Loss of Passport |
£200 |
Ski Pack |
£300 |
| Travel Delay |
(a) £60 or (b) £3,000 |
|
|
POLICY EXCESSES:
Cancellation or Curtailment
The first £50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £100 where You are aged 66 to 75 years and to £150 where You are
aged 76 to 90 years (other than in respect of claims for loss of deposit where the excess is £25).
Medical and Other Expenses
The first £75 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 66 to 75 years the first £150 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 to 90 years the first £300 of each and every claim per Insured Person claimed for under this Section is excluded.
Other Sections
An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delay ed Departure (b) sections, and £250 under the
Personal Liability section.
Increased Excess for Pre Existing Medical Conditions
There is no need to advise us of your pre existing health conditions. Provision for the acceptance of all pre existing health conditions has been made by the application of increased
excesses in the event of claims arising.
For claims arising from the treatment of any pre existing illness the excess is further increased as follows –
Under the Cancellation or Curtailment section - double the normal excess.
Under the Medical & Other Expenses section
For persons aged 65 years or less the excess is increased to £500.
For persons aged 66 to 75 years the excess is increased to £1,000.
For persons aged 76 to 90 years the excess is increased to £1,500.
You will also need to obtain confirmation from your GP of your fitness to travel.
EMERGENCY ASSISTANCE:
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are
contained in the policy document.
MAIN HEALTH EXCLUSIONS:
We will not pay for claims arising Where You or any person upon whose health the trip depends
-
1. are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing Home.
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2. have received a terminal prognosis.
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3. suffer from any psychiatric disorder, anxiety state and/or depression suffered by You for which You have previously received treatment or have been diagnosed prior to the date of
booking or of issue of the insurance.
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4. are pregnant or as a result of childbirth.
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5. are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
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6. From any medical condition for which you or any person upon whose health the Trip depends has within 12 months prior to the date of issue of the insurance (for Cancellation) or
the date of departure of each Trip (other sections) been diagnosed with a medical condition or have received treatment in a hospital.
INSURANCE PRODUCT DISCLOSURE
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements. No refund of premium is
provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who act on behalf of the Insurers and not the customer in relation to any claim. The telephone number is 0870 906 3144.
General Queries
If you have any query regarding the cover provided you must contact Global Travel Insurance on 01903 203933 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.
Complaints
If you wish to register a complaint about our service please contact us in writing at the above address. If you cannot settle your complaint with us, you may be entitled to refer it to the
Financial Ombudsman Service.
Financial Security
These insurance arrangements are covered by the Financial Services Compensation Scheme (FSCA). You may be entitled to compensation from the scheme if we cannot meet our
financial obligations although this depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and
90% of the remainder of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS
01763 289660 | 
