Am I covered if I take part in sports and activities during my trip?
This insurance excludes certain sports and pastimes. Please see the Policy Document for the list of Excluded Activities: here
I need a policy which covers my whole family, can I get a discount?
We offer a 10% discount as standard when you buy a policy covering more than one traveller. Just add each additional traveller at the quotation stage and the discount will automatically be applied.
Am I covered for delay or cancellation caused by adverse weather conditions?
Yes for delays in excess of 24 hours from your planned departure. Cancellation and delay cover applies to outward travel only. There is no cover for additional expenses in the event of travel disruption or delays.
What do you consider to be a Pre-existing Medical Condition, and am I covered?
Pre-Existing Medical Condition means an illness, disease, or other condition during the 180 day period immediately prior to the date Your coverage is effective : received or received a recommendation for a test, examination, or medical treatment for a condition which first manifested itself, worsened or became acute, or had symptoms which would have prompted […]
Do I need to declare my pre-existing conditions?
Single-Trip Travel Medical product will not cover any claim arising directly or indirectly from a known pre-existing medical condition. You don’t need to disclose your pre-existing conditions to us when you buy a policy, but we may ask for relevant details of your medical history in the event of a claim.
Am I covered for competitive sports?
Participation in winter sports in a professional capacity or on a competitive basis are not covered.
Am I covered when skiing off-piste?
Only if you are skiing with a qualified instructor or guide. In all other cases, skiing off-piste will not be covered.
Can I claim for lost or stolen baggage?
Yes, our Single-Trip product includes baggage cover up to the limits shown on your policy. There are some important limitations to cover that will apply, so please refer to section E of your Policy Document for full details. For example, we will pay a maximum of 250 for each single article, pair or set of […]
Do you cover extreme sports?
There is strictly no cover under the terms and conditions of this policy when engaging in freestyle skiing, ski-jumping, ski flying, ski/snowboard-acrobatics, ski snowboard stunting, extreme skiing/ snowboarding, skeleton and luge or any variations. We also do not cover any Trip where the primary purpose is to: set or break a speed, distance, endurance or […]
Am I covered for dental treatment?
Yes, we will pay for the costs, up to the limit shown on your policy, of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances. Please note the policy does not cover for any pre-planned dental treatment or diagnostic procedures.