Question 1
An excess is the first part of any claim that an Insured Person has to pay before the policy pays. Details of the excesses payable can be found in the Summary of Benefits(Euros-Gold) Summary of Benefits(Euros-Silver) Summary of Benefits(Sterling-Gold) Summary of Benefits(Sterling-Silver)

Question 2
An Annual Policy can be purchased to cover individual trips of either up to 31 or 60 days. Unlimited trips can be taken during the policy period up to the maximum days purchased per trip

Question 3
Yes – Annual Policies automatically cover up to 17 days Winter Sports cover per policy period

Question 4
The child rate applies up to 17 at the date of travel

Question 5
A spouse/partner can travel separately but a child must travel with at least one Insured parent. For a child to travel separately, the adult rate would apply

Question 6
Cancellation Cover commences immediately after the policy has been purchased and the relevant premium paid and ends upon your departure from your Country of Residence

Question 7
There is a cooling off period of 14 days from the date of purchase and assuming that your journey has not commenced and there has not been a claim a full refund can be made

Question 8
You are covered for a number of hazardous activities which are carried out on an occasional basis. For specific details refer to the definition of hazardous activities within the Policy Wording(Gold) Policy Wording(Silver)

Question 9
A family can include two adults and up to 2 children up to age 17 at the date of travel. Any additional children are charged separately

Question 10
A Medical Condition which has manifested itself prior to the date if issue of the insurance is not covered by the Policy

Question 11
You are covered for travel within your country of residence so long as your destination is at least 150 kms from your home and accommodation must be pre-booked

Question 12
If it is a small claim for medicines or minor treatment, you should pay the bills and submit the claim.

Question 13
Yes, you can reduce your premium by taking out either or both of the medical benefit, repatriation and hospital benefit sections and/or the baggage and personal effects

Question 14
Yes, you can take out our optional golf cover which not only covers your golf clubs for loss and damage up to £1,000/€ 1,500 but also covers you against loss of green fees