YOUR TRAVEL INSURANCE POLICY

Reference Number: Insurefor/EA/2009 09IST, 09ISA & 09ISE

INTRODUCTION TO YOUR POLICY IMPORTANT NOTES

This policy document provides You with the terms, conditions and exclusions of the insurance cover, together with We would like to draw Your attention to important features of Your policy including:
information that will help You in the event of an emergency. The policy contains different levels of cover, some of which
do not apply unless You have paid the appropriate additional premium. Conditions and exclusions will apply to • Emergency Medical Expenses: This policy is NOT a Private Medical Insurance policy, and does not provide cover
individual Sections of Your policy while general exclusions, conditions and notes will apply to the whole of Your policy. for procedures that can be carried out in Your country of residence after repatriation or for any medical
expenses incurred in private facilities if a medically suitable State facility is available.
Please read this document and Your Certificate very carefully to ensure You understand the extent of the cover and
assistance services, exactly what is and is not covered, the conditions of cover, and that this meets Your • Material Facts: You must declare to Us all Material Facts that are likely to affect this insurance. Failure to do so
requirements. may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it
to Us by calling Our Travel Helpline on 0844 482 0662. Please refer to the definition of a ‘Material Fact’ in the
Cooling Off Period: Unless Your Trip will be completed within 14 days of buying this insurance, you have the right to Meaning of Words.
cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is • Health: This policy does not cover Pre-existing Medical Conditions.
later. We will refund to you any premium you have paid and will recover from you any payments we have made.
• Cruising: If You intend living on a cruise ship and travelling for extended periods of time during your Trip then
PLEASE KEEP THIS DOCUMENT IN A SAFE PLACE AND TAKE IT WITH YOU WHEN YOU TRAVEL IN CASE YOU NEED you must purchase the Cruise Cover.
ASSISTANCE OR NEED TO MAKE A CLAIM. IF YOU HAVE ANY QUESTIONS OR ARE IN ANY DOUBT ABOUT THE COVER
PROVIDED PLEASE CALL THE TRAVEL HELPLINE ON 0844 482 0662. • Cancellation & Curtailment cover: It is important to note that the policy contains conditions and exclusions in
relation to noninsured travelling companions, close relatives or persons with whom You intend to stay whilst
Please quote the correct reference number below relating to the Insurance Policy You have purchased: on Your Trip, in the event of any need to cancel, curtail or interrupt a Trip as a result of changes in their health.
For Single Trip policies, please quote 09IST Please refer to the ‘Important Limitations - Cancellation & Curtailment Cover’ section for full details.
For Annual Multi-Trip policies, please quote 09ISA
For Extended Stay policies, please quote 09ISE. • Special Sports & Activities: This policy specifically excludes participating in or practising for certain sports and
activities. If You are going to take part in special sports and activities where there may be a high risk of injury
or if You are in any doubt as to whether cover will apply, please call the Travel Helpline on 0844 482 0662.
CONTENTS
Your Travel Policy • Age Limit: No Section of this policy shall apply in respect of any person who has reached the age of 80 years
Renewing Your Policy at the commencement of the Period of Insurance for Single Trip or Annual policies and in respect of any person
Summary of Cover who has reached the age of 46 years at the commencement of the period of insurance for Extended Stay
Important Notes policies.
Important Health Requirements
• Trip Limits: This policy contains strict limits on the length of time You can spend travelling abroad on each Trip.
Emergency Assistance 24 Hours A Day
Please refer to the definition of the ‘Trip’ in the Meanings of Words. IF YOU TRAVEL FOR MORE THAN THE
Trips to mainland Spain, the Canary Islands and the Balearic Islands
NUMBER OF DAYS FOR WHICH YOU HAVE PAID FOR COVER, YOU WILL NOT BE COVERED AFTER THE LAST DAY
Reciprocal Health Agreements
FOR WHICH YOU HAVE PAID. Trips must commence and end in Your Home Country and a return ticket must have
Meaning of Words
been booked prior to departure.
Upgrades
1 Personal Assistance Services • Medical Emergency: In the event of a medical emergency You must contact Us as soon as possible. You MUST
2 Medical Emergency & Repatriation contact Us before incurring expenses in excess of £500, except in case of emergency. If You are physically
3 Emergency Dental Treatment prevented from contacting Us immediately, You or someone designated by You must contact Us within 48
4 Additional Accommodation & Travelling Costs hours.
5 Hospital Daily Benefit
6 Cancellation & Curtailment • Pregnancy and Childbirth: Cover under this policy is provided for unforeseen events. In particular, cover is
7 Travel Delay provided under Section 2 for unforeseen bodily injury or illness. Pregnancy and Childbirth are not considered
8 Missed Departure On Your Outward Journey to be either an illness or injury. For the avoidance of doubt, please note that cover is ONLY given under Sections
9 Personal Luggage 2, 4, 5 and 6 of this policy for claims arising from Complications of Pregnancy and Childbirth. Please make sure
10 Luggage Delay on Your Outward Journey You read the definition of Complications of Pregnancy and Childbirth given under the Meaning of Words below.
11 Money, Passport & Travel Documents
12 Personal Liability • Third Party Liability: If You use any form of mechanically propelled vehicle, (e.g. car, motor cycle, moped or
13 Personal Accident scooter), sail or powered boat, or an aircraft, no liability cover will apply under this policy and You must ensure
14 Legal Protection that You have cover for third party injury or property damage in place.
15 Withdrawal of Services
• Personal Possessions: While this policy provides cover for Your Personal Luggage, if You are planning to take
16 Catastrophe
expensive items such as sophisticated photographic equipment, jewellery and other Valuables with You then
17 Pet Care
You should check that You have adequate personal possessions cover, under a home contents insurance. The
18 Hijack
maximum We will pay under this policy for Valuables owned by all Insured Persons is limited to £100 in total
19 - 23 Optional Winter Sports Cover
for Economy policies or £150 in total for Standard and Extended Stay policies or £200 in total for Premier
24 - 26 Optional Golf Cover
policies (or £75 in total if the Insured Person is aged under 18). Personal Luggage claims are paid based on the
27 - 31 Optional Business Cover
value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement cost basis; thus
Optional Special Sports & Activities Upgrade
a deduction is made for wear, tear, and depreciation. Payment of any claims in respect of any one article or Pair
General Conditions applying to all sections
or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of
General Exclusions applying to all sections
replacement value is not sufficient.
Making a Claim On Your Return Home
Customer Satisfaction • Policy Limits: Most Sections of Your policy have limits on the amount the Insurer will pay under that Section.
Cancellation Provisions Some Sections also include other specific limits, for example: For any one item or for Valuables in total. You are
Data Protection Act 1998 Notice advised to check Your policy.
Travel Checklist
Contact Numbers • Policy Excess: Under most Sections of the policy, claims will be subject to an Excess. This means that You will
be responsible for paying the first part of the claim per Insured Person each and every incident, each and every
YOUR TRAVEL POLICY section of cover. A definition of Policy Excess is in the Meaning of Words.
We will provide the services and benefits described in this policy: • Reasonable Care: You need to take all reasonable care to protect yourself and Your property, as You would if
• during the Period of Insurance You were not insured.
• within the Geographical Limits
• subject to the Limits of Cover, and all other terms, conditions and exclusions contained in this policy
• to persons who habitually reside in the UK Area or Channel Islands (i.e. have their main home in the UK Area IMPORTANT HEALTH REQUIREMENTS
or Channel Islands and have not spent more than 6 months abroad in the year prior to purchasing the policy)
You must comply with the following conditions in order to have full protection under this policy. If You do not comply
• following payment of the appropriate premium for the level of cover selected
We may cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.
Benefits under this policy are underwritten as follows by Europ Assistance Holding Irish Branch of 79 Merrion Square,
This insurance operates on the following basis:
Dublin 2, Ireland.
1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would
This policy is effected in England and is subject to the Laws of England and Wales.
be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or
Europ Assistance Holdings Ltd is authorised and regulated by the Financial Services Authority.
consultation abroad;
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation
RENEWING YOUR POLICY in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of
When your policy expires; investigations, where the underlying cause has not been established).
If you have an annual policy we will send you an e-mail to confirm expiry and provide an option for renewal.
Claims arising directly or indirectly from any Pre-existing Medical Condition affecting You will not be covered.
Alternatively you can call us on 0844 482 0662 or rebook online at [Link]
You should also refer to the General Exclusions.
Your EA Travel Insurance. Page 2 of 12

IMPORTANT LIMITATIONS - CANCELLATION & CURTAILMENT COVER MEANING OF WORDS

This policy will NOT cover any claims under Section 6 (Cancellation or Curtailment) arising directly or indirectly from Wherever the following words and phrases appear in this policy they will always have these meanings:
any Pre-existing Medical Condition known to You prior to the commencement of the Period of Insurance affecting any Accidental Bodily Injury: A sudden, violent, external, unexpected specific event, which occurs at an identifiable time
Close Relative or travelling companion who is not insured under this policy, or person with whom You intend to stay and place, which solely and independently of any other cause results, within 12 months, in the death, Loss of Limb, Loss
whilst on Your Trip if: of Sight or the Permanent Total Disablement of an Insured Person.
• a terminal diagnosis had been received prior to the commencement of the Period of Insurance; or
• if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation Business Equipment: Communication devices and other business related equipment which is carried by You in the
at any hospital or clinic at the commencement of the Period of Insurance; course of Your Trip.
or if during the 90 days immediately prior to the commencement of the Period of Insurance they had:
• required surgery, inpatient treatment or hospital consultations; or Carrier: A scheduled or chartered aircraft (excluding all non-pressurised single engine piston aircraft), land (excluding
• required any form of treatment or prescribed medication. any hired motor vehicle) or water conveyance licensed to carry passengers for hire.
Certificate: The validation page issued in respect of this policy which sets out the names of the Insured Persons, the
You should also refer to the General Exclusions. Geographical Limits, the Period of Insurance and any other special conditions and terms.
Close Relative: Spouse or Common Law Partner, parent , parent-in-law, step-parent, legal guardian, children (including
EMERGENCY ASSISTANCE 24 HOURS A DAY legally adopted and step-children, and daughter/son-in-law), sibling (including step-siblings and sister/brother-in-law),
You should first check that the circumstances are covered by Your policy. grandparent, grandchild, or fiancé(e) of an Insured Person.

Having done this please contact the appropriate 24-hour telephone number shown after the appropriate Section of Common Law Partner: The person living with the Insured Person as if husband or wife, including same sex partner, for
cover. Give Your name, insurance details, and as much information as possible. Please give Us a telephone, fax or telex at least six consecutive months at the commencement of the Period of Insurance.
number where We can contact You or leave messages at any time of the day or night. Complications of Pregnancy and Childbirth: For the purposes of this Policy ‘Complications of Pregnancy and Childbirth’
shall only be deemed to include the following: toxaemia, gestational hypertension, pre-eclampsia, ectopic pregnancy,
To comply with the terms and conditions of the insurance You must obtain Our prior authorisation before incurring
hydatidiform mole (molar pregnancy), post partum haemorrhage, retained placenta membrane, placental abruption,
any expenses over £500, except in case of emergency. In case of emergency, if You are physically prevented from
hyperemesis gravidarum, placenta praevia, stillbirths, miscarriage, medically necessary emergency Caesarean
contacting Us immediately, You or someone designated by You must contact Us within 48 hours.
sections/medically necessary termination and any premature births more than 8 weeks (or 16 weeks in the case of a
known multiple pregnancy) prior to the expected delivery date.
Please quote the correct reference number below relating to the Insurance Policy You have purchased:
For Single Trip policies, please quote 09IST Cruise Holiday: Living on a cruise ship and travelling for extended periods of time.
For Annual Multi-Trip policies, please quote 09ISA
For Extended Stay policies, please quote 09ISE. Curtailment: Abandonment of a planned Trip, after commencement of the outward journey, by return to Home earlier
than on the scheduled return date.
TRIPS TO MAINLAND SPAIN, THE CANARY ISLANDS (Tenerife, Gran Canaria, Fuerteventura, Lanzarote, La Palma,
Gomera and El Hierro) AND THE BALEARIC ISLANDS (Cabrera, Majorca/Mallorca, Menorca, Formentera, Ibiza) - 24 Dependent Children: Your biological, step, adopted or foster children.
HOUR EMERGENCY SERVICE Family: The main Insured Person, his/her spouse or Common Law Partner, and their dependent children under 18 years
of age (in full-time education and residing with them).
When away from Home, it is most important that You have immediate access to professional medical attention in the event
of an emergency. With this in mind, We have put in place, for Your benefit, a network of medical professionals throughout Geographical Limits: The countries of the Zone for which You have paid the appropriate premium, except those
mainland Spain, the Canary Islands and the Balearic Islands, at Your service 24 hours a day, 7 days a week. This is countries or parts of countries where the Foreign & Commonwealth Office (FCO) has advised against travel, as specified
supported by a 24 hour medical emergency service, which can direct You to these professionals, and which will also follow on the Certificate.
Your case through from the moment You enter hospital until You are released and, in more serious cases, until You are
safely repatriated (accompanied, if deemed medically necessary, by one of Our medical team). Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within Your country of departure
once You commence Your Trip, and during Your return journey to Your Home.
In addition, no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at: You will be covered when travelling by recognised Public Transport between countries, but not if You are being paid to
a) one of Our network hospitals; or crew a private motor or sailing vessel or are travelling by private plane.
b) a state hospital when You have used the European Health Insurance Card (EHIC) to effectively reduce the cost of
Your medical treatment or medicines. Zone 1: The UK Area.

For further information: Zone 2: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel
Telephone: 0044 1444 442077 Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Egypt, Estonia, Finland, France (including
E-mail: medicalops@[Link] Corsica), Georgia, Germany, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands,
Website: [Link]/spanishmedicalnetwork Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands,
Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia
RECIPROCAL HEALTH AGREEMENTS (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands,
Canary Islands), Sweden, Switzerland, Turkey, Ukraine, UK Area and Vatican City.
If You intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland We would
advise You to obtain a Form CM1 from Your local main Post Office. On returning this, duly completed, to the main Post Zone 3: All countries worldwide, excluding the United States, Canada, Bermuda and the Caribbean.
Office You will be issued with a European Health Insurance Card (EHIC), which will entitle You to certain free or reduced Zone 4: Australia and New Zealand.
cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No.T7 - Health Advice
for Travellers.) Zone 5: All countries worldwide.

Please note: For claims under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental Golf Equipment: Golf clubs, golf bag, non motorised golf trolley and golf shoes.
Treatment), no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at a state Home: Your principal place of residence, used for domestic purposes, and including garage(s) and other outbuilding(s).
hospital within the EU, EEA or Switzerland if You have used the European Health Insurance Card to effectively reduce
the cost of Your treatment or medicines. Home Country: Your country of residence (Please note for the purposes of this insurance the UK Area is defined as one
country of residence).
When You are travelling to Australia and You register for treatment under the national Medicare scheme, Medicare
provides: Insured Person or You/Your: Each person named on the Certificate and for whom the appropriate premium has been
• free treatment as an in-patient or out-patient at a public hospital; paid, and at the commencement of the Period of Insurance being not more than 79 years of age for Single Trip or Annual
• subsidised medicines under the Pharmaceutical Benefits Scheme; and policies and not more than 45 years of age for Extended Stay policies.
• benefits for medical treatment provided by doctors through private surgeries and Government Health Centres Limits of Cover: Unless stated to the contrary, Our maximum liability in any one Period of Insurance is limited to the
(not hospitals). amount stated in each Section, per Insured Person.
You must enrol at Medicare offices in Australia if You will be receiving treatment. If You receive treatment before You Loss of Limb: Loss by physical severance, or the total and irrecoverable permanent loss of use or function of, an arm at
enrol, Medicare benefits can be backdated, if You are eligible. To be eligible You must be a Resident of the United or above the wrist joint, or a leg at or above the ankle joint.
Kingdom and will need to show Your British passport with an appropriate visa. If You do not enrol at Medicare offices
We may reject Your claim or limit the amount We pay to You. If You need treatment which cannot be carried out under Loss of Sight: Total and irrecoverable loss of sight in one or both eye(s); this is considered to have occurred if the degree
Medicare you MUST contact Our 24 hours Emergency Service before seeking private treatment. If You do not do so, We of sight remaining after correction is 3/60 or less on the Snellen scale. (This means being able to see at 3 feet or less
may reject Your claim or limit the amount We pay to You. what You should see at 60 feet.)
If you hold an Irish passport you are entitled to free treatment as an in-patient or out-patient at a public hospital. You Manual Work: Work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical,
will need to show Your passport at the hospital. mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales or administrative capacity), or the
undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator, builder or
For more information You should contact:
manual labour of any kind (other than in the catering industry). Cover for Manual Work will be provided where such work is
Health Insurance Commission
solely in a voluntary capacity, for a charity registered under the Charity Commission in England and Wales, the Scottish
PO Box 1001,
Charity regulator or the Department for Social Development in Northern Ireland and where there is no financial gain. In such
Tuggeranong,
circumstances, there will be no cover for hands-on involvement with the installation, assembly, maintenance, repair or use
ACT 2901,
of heavy electrical, mechanical or hydraulic plant or machinery, and cover for Personal Accident and Personal liability is
Australia
excluded. In the event of an injury occurring as a result of voluntary labour, the Policy Excess under Section 2 (Medical
or visit their website at: [Link] Emergency & Repatriation) will be increased to £250 and application of Excess Waiver will not delete this increased Excess.
Cover excludes interaction with wild animals of any kind.
Material Fact: A fact likely to influence the acceptance or assessment of this insurance by Underwriters. If in doubt as
to what constitutes a Material Fact, please contact Us.
Medical Condition: Any medical or psychological disease, sickness, condition, illness or injury that has affected You or
any Close Relative, travelling companion or person with whom You intend to stay whilst on Your Trip.
Medical Practitioner: A legally licensed member of the medical profession, recognised by the law of the country where
treatment is provided and who, in rendering such treatment is practising within the scope of his/her licence and
training, and who is not related to You or any travelling companion.
Money: Sterling and foreign currency and travellers cheques.
Your EA Travel Insurance. Page 3 of 12

Pair or Set: A number of items of Personal Luggage considered as being similar or complementary to one another or Unattended: When You cannot see and are not close enough to Your property or vehicle to prevent unauthorised
used together. interference or theft of Your property or vehicle.
Period of Insurance: The period shown on the Certificate. Subject to: Valuables: Cameras, photographic, and video equipment, and associated equipment of any kind; computer hardware
and software; games consoles (Playstation, Gameboy, Nintendo, etc) accessories and games; personal organisers;
Single Trip policies: Cancellation cover starts when You purchase this insurance or when You book Your Trip, mobile telephones; televisions; portable audio equipment (DVD, CD, mini-disc, MP3 players, i-pods, etc) and all
whichever is the later. Cover for all other Sections applies for the duration of Your Trip, as stated on the Certificate, associated discs and accessories; spectacles; prescription sunglasses; telescopes; binoculars; jewellery; watches; furs;
and for which You have paid the appropriate premium up to a maximum of 365 days. leather articles; perfumes; precious stones and articles made of or containing gold, silver or other precious metals.
Annual Multi-trip policies: Cover applies as for Single Trip policies however, the Period of Insurance is for 12 months We, Our or Us: Europ Assistance Holdings Ltd, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16
during which You are covered for each Trip You book and undertake within that period, on condition that: 1DN.
• each Trip does not exceed a maximum of 31 consecutive days, 45 consecutive days, 62 consecutive days or 92
consecutive days depending on the premium you have paid. Winter Sports: The activities listed under the Optional Winter Sports Cover Section of this policy.
Extended Stay policies: Cover applies as for Single Trip policies for one trip of up to 12 months in duration. You You/Your: Each person named on the Certificate and for whom the appropriate premium has been paid, and at the
can return to Your Home Country during this period of insurance, however cover is not valid whilst in Your Home commencement of the Period of Insurance being not more than 79 years of age for Single Trip or Annual policies and not
Country and for the subsequent outward bound journey until you resume your trip and arrive at your foreign more than 45 years of age for Extended Stay policies.
destination. All cover will cease if a claim is made under Section 6 (Cancellation & Curtailment).
UPGRADES
Note: If You travel for more than the number of days for which You have paid for cover, You will not be covered after the
last day for which You have paid. This policy contains different levels of cover, some of which do not apply unless You have paid the appropriate
additional premium. Any extra benefit You have purchased is shown on Your Certificate. Please read the wording and
There is no cover under the Cancellation Section of this policy outside the Period of Insurance. However, if during the ensure the cover reflects Your requirements.
Period of Insurance You book a Trip with a start date after the expiry of Your Annual Multi-trip policy then Cancellation
cover will continue for that Trip provided You renew this policy on or before its expiry date and there is no gap in cover. Upon the payment of an additional premium, You may upgrade Your travel insurance coverage by purchasing any of the
following upgrades prior to commencement of Your Trip:
Legal advice and Home Call assistance services continues to apply for up to 7 days after You return Home.
• Excess Waiver
We will extend the Period of Insurance, at no extra cost, if You have to stay on Your Trip longer because of events which Excess is reduced to nil when You have paid the premium for Excess Waiver except where stated.
You have no control over. If the transport You are on is hijacked, We will automatically provide worldwide cover. • Note 1: In the event of an injury occurring as a result of voluntary Manual Work, the Policy Excess under
Section 2 (Medical Emergency & Repatriation) will be increased to £250 and application of Excess Waiver
Permanent Total Disablement: Permanent Total Disablement which, having lasted for a period of at least 12 consecutive will not delete this increased excess.
months from the date of occurrence will, in the opinion of an Independent qualified specialist, entirely prevent You from • Double Excess
engaging in, or giving any attention to, any and every business or occupation for the remainder of Your life. All Policy Excesses specified on the summary of cover are doubled per Insured Person when You have selected
Personal Luggage: Items usually carried or worn by travellers for their individual use during a Trip. the Double Excess option.
• Cruise Holidays
• Note 1: Items hired to You, and all items loaned or entrusted to You are excluded (other than skis and ski Your policy can be extended to cover cruise holidays upon payment of the appropriate additional premium.
equipment). • Winter Sports Cover (Economy, Standard or Premier Single Trip and Annual Multi-trip Cover only)
• Note 2: This travel insurance is not intended to cover expensive items for which You should take out full Your policy can be extended to cover Winter Sports. (Please refer to the Optional Winter
‘Personal Possesions’ insurance under Your Home Contents policy. Sports Cover Section in this policy for full details.)
• Golf Cover (Standard or Premier Single Trip and Annual Multi-trip Cover only)
Policy Excess: The first amount payable per Insured Person, each and every incident, each and every section of cover Your policy can be extended to cover Golf Equipment and Non-refundable golfing fees. (Please refer to the
as specified in the summary of cover. The Policy Excess is reduced to nil when You have paid the premium for Excess Optional Golf Cover Section in this policy for full details.)
Waiver except where stated. • Business Cover (Standard or Premier Single Trip and Annual Multi-trip Cover only)
• Note 1: In the event of an injury occurring as a result of voluntary Manual Work, the Policy Excess under Section Your policy can be extended to cover Business Equipment. (Please refer to the Optional Business Cover Section
2 (Medical Emergency & Repatriation) will be increased to £250 and application of Excess Waiver will not in this policy for full details.)
delete this increased Excess. • Special Sports & Activities
• Note 2: The Policy Excess specified in the summary of cover will be doubled per Insured Person when You have Your policy can be extended to cover Special Sports & Activities. (Please refer to the Optional Special Sports
selected the Double Excess option. and Activities Upgrade Section in this policy for full details.)

Pre-existing Medical Condition: SECTION 1 - PERSONAL ASSISTANCE SERVICES

1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or
prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received What is covered:
during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and We will pay the administrative and delivery costs, up to a maximum of £250 per Trip, in providing the following services
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, in respect of a Trip:
aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip. a) Information about Your destination
Public Transport: A train, bus, coach, ferry service or scheduled airline flight (non internal) operating to a published We can provide information on:-
timetable to join the booked travel itinerary. • current visa and entry permit requirements for any country. However, if You hold a passport from a country
other than Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, We may need to refer You to
Redundancy, Redundant: You becoming unemployed under the Employment Protection Act. You must have been given the UK Embassy or Consulate of that country;
Notice of Redundancy and be receiving payment under the current Redundancy payments legislation. • current requirements for inoculations and vaccinations for any country in the World and advice on current
The following are not included in the definition: World Health Organisation warnings;
• any employment which has not been continuous and with the same employer; • arranging relevant inoculations and vaccinations before the commencement of a Trip abroad. We will not pay
• any employment which is not on a permanent basis; the cost of these inoculations or vaccinations;
• any employment which is on a short term fixed contract; • climate;
• any instance where You had reason to believe that You would be made Redundant at the time of booking Your • local languages;
Trip. • time differences;
• main bank opening hours, including whether or not a Bank Holiday falls within Your intended Trip;
Resident: You are within Your Home Country and have been for at least six months prior to the time of arranging this • motoring restrictions, regulations, Green Card and other insurance issues.
insurance.
b) Transfer of Emergency Funds
Secure Luggage Area: Any of the following, as and where appropriate: We will transfer emergency funds to You in case of urgent need, up to a maximum under this policy, per Trip, of £500.
• The locked dashboard, boot or locked luggage compartment of a motor vehicle.
• The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area, or of an This service will apply when access to Your normal financial/banking arrangements is not available locally, and is
estate car with a fitted and engaged tray or roller blind cover behind the rear seats. intended to cover Your immediate emergency needs.
• The fixed storage units of a motorised or towed caravan.
• A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof. You must authorise Us to debit Your credit or charge card with the amount of the transfer, or You must make alternative
arrangements to deposit the funds in Our account in the UK.
Special Sports and Activities: The activities listed under the Optional Special Sports & Activities Cover Section of this
policy. c) Message Relay
We will transmit two urgent messages following illness, accident or travel delay problems.
Strike or Industrial Action: Any form of Industrial Action, whether organised by a trade union or not, which is carried on
with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of d) Drug Replacement
services. We will assist You in replacing lost drugs or other essential medication, or lost or broken prescription glasses or contact
lenses, which are unobtainable overseas. We can source and deliver to You compatible blood supplies.
Travel Documents: Travel tickets, hotel and other redeemable holiday vouchers, Green Card, driving licences and
passports. What is not covered: The cost of any items or of blood (unless insured under another Section of this policy), and the
costs of supplying any medication inadvertently not carried by the Insured Person on the Trip.
Trip: A journey within the countries of the Geographical Limits, during the Period of Insurance:
• Single Trip policies: the maximum number of days for which You have paid the appropriate premium up to a e) Non-Emergency Medical Referral
maximum of 365 days; or We will provide the names and addresses of local doctors, hospitals, clinics and dentists when consultation or minor
• Annual Multi-trip policies: a maximum of 31 consecutive days, 45 consecutive days, 62 consecutive days or 92 treatment is required. If any other treatment is involved, You must contact Us as soon as possible, before You incur
consecutive days depending on the premium you have paid which take place entirely during the Period of charges of more than £500.
Insurance (or continue into the next Period of Insurance if Your contract is renewed with Us, and is in force at If Your child (aged under 18 years) who has been left in the country of departure becomes ill or suffers injury, We can
the time of any incident resulting in a claim); or provide medical advice and monitor the situation until Your return Home.
• Extended Stay policies: One trip of up to 12 months in duration depending on the premium you have paid.
f) Tracing Lost Luggage
• Note 1: If You travel for more than the number of days for which You have paid for cover, You will not be covered If Your luggage is lost or misdirected in transit, and the Carrier has failed to resolve the problem, We will help with
after the last day for which You have paid. tracing and re-delivering the luggage. You will need to have Your luggage tag number available.
• Note 2: Trips must commence and end in Your Home Country and a return ticket must have been booked prior
to departure. g) Replacement Travel Documents
• Note 3: Trips solely within Your Home Country are insured if You have pre-booked at least three consecutive We will help You replace lost or stolen tickets and Travel Documents and refer You to suitable travel offices.
nights paid accommodation. What is not covered:
UK Area: Great Britain, Northern Ireland and the Isle of Man. The cost of any items insured under another Section of this policy.
Your EA Travel Insurance. Page 4 of 12

h) Lost Credit Cards d) any dental treatment or diagnostic procedure which is not solely for the immediate relief of pain or discomfort, or
If Your credit or charge cards are lost or stolen while You are abroad, We can advise the appropriate card issuers. to alleviate distress in eating;
e) normal wear and tear;
i) Homecall Referral f) any self-inflicted damage, including damage caused by tooth-brushing or any other oral hygiene activity;
If Your Home suffers damage during Your Trip, then We can arrange for a repairer from Our list of Europ Assistance- g) any damage to dentures, other than whilst being worn by You;
approved tradesmen to contact You to effect emergency repairs to the domestic plumbing or drainage system, the h) dental treatment involving the provision of dentures or the use of precious metals;
domestic gas or electricity supply, the roofing, external locks, doors or windows, or the fixed heating system. i) any costs incurred in Your Home Country;
j) the Policy Excess except where:
You can call Us for help up to 7 days after You have returned Home from a Trip.
- You have paid the Excess Waiver premium; or
You will be responsible for the payment of all charges associated with effecting the repair, including any call-out fee, - You have received inpatient treatment at a state hospital within the European Union, European Economic Area
and You should make arrangements to pay the repairer or Europ Assistance Holdings Limited at the time the work is or Switzerland and You have used a European Health Insurance Card to effectively reduce the cost of Your
carried out. treatment or medicines;
k) any costs incurred when engaging in Special Sports and Activities unless You have paid the appropriate Special
SECTION 2 - MEDICAL EMERGENCY & REPATRIATION Sports & Activities premium;
l) any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports
What is covered:
premium;
We will pay the following costs, up to £5,000,000 for Economy/£7,500,000 for Standard or Extended Stay/£10,000,000
m) anything mentioned in the General Exclusions.
for Premier policies, for each Insured Person who suffers sudden and unforeseen bodily injury or illness, or who dies
during a Trip outside Your Home Country: SECTION 4 - ADDITIONAL ACCOMMODATION & TRAVELLING COSTS
• Reasonable medical expenses for the immediate needs of an unforeseen medical emergency. Included are What is covered:
Medical Practitioner’s fees, hospital expenses, in-patient and out-patient medical On condition that You contact Us first and We make all the travel arrangements, in the event of a valid claim for
treatment and charges for medical transportation to the nearest suitable hospital abroad, repatriation under Section 2 (Medical Emergency & Repatriation), We will pay up to an overall limit of £2,000 per Trip
when deemed necessary by a recognised Medical Practitioner. for the following:
• Burial or cremation of a deceased Insured Person abroad up to £5,000 alternatively • If Our Medical Officer confirms that it is medically necessary for You to be accompanied on the Trip Home, and
transportation costs of returning Home an Insured Person’s body or ashes. the return journey cannot take place on the original scheduled date, We will pay for the additional travelling
• Additional travelling costs to repatriate You Home when recommended by Our Medical costs and accommodation costs incurred by one person staying with You and accompanying You on the Trip
Officer. We will pay for the cost of a medical escort if considered necessary. Home.
• Additional travelling and accommodation costs arranged by Us for one person required, on medical advice, to
We reserve the right to limit payment to what Our Medical Officer deems to be reasonable. fly out to You and accompany You Home.
• Additional travelling costs incurred in returning Home Your children under 18 years of age and insured under
If Our Medical Officer advises a date when it is feasible and practical to repatriate You, but You choose instead to this policy if You are incapacitated and there is no other responsible adult to supervise them. A competent
remain abroad, Our liability to pay any further costs under this Section after that date will be limited to what We person will be provided to accompany the children Home.
would have paid if Your repatriation had taken place.
What is not covered:
What is not covered: a) any air travel costs in excess of a return economy/tourist class ticket;
a) costs in excess of £500 which have not been authorised by Us in advance (see Important Notes); b) accommodation costs other than the cost of the room;
b) any claims arising directly or indirectly as a result of any Pre-existing Medical Conditions; c) for each child to be repatriated, their air travel costs in excess of a one-way economy/tourist class ticket;
c) any pre-planned or pre-known or expected medical treatment or diagnostic procedure; d) any claims for costs related to pregnancy or childbirth unless the claim is certified by a Medical Practitioner as
d) treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country necessary due to Complications of Pregnancy and Childbirth;
of departure; e) anything mentioned in the General Exclusions.
e) any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acute
unforeseen illness or injury; SECTION 5 - HOSPITAL DAILY BENEFIT
f) any claims for costs related to pregnancy or childbirth unless the claim is certified by a Medical Practitioner as What is covered:
necessary due to Complications of Pregnancy and Childbirth; In the event of a valid claim under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental
g) treatment or services provided by a private clinic or hospital, health spa, convalescent home or Treatment), when You are admitted to a recognised hospital abroad as an in-patient for more than 24 continuous hours,
any rehabilitation centre unless confirmed as medically necessary by Our Medical Officer; We will pay You a benefit of £25 per complete 24 hours of in-patient treatment up to a maximum under this policy of
h) treatment for cosmetic purposes unless Our Medical Officer agrees that such treatment is necessary as the result £100 per Insured Person for Standard or Extended Stay/£300 for Premier.
of an accident covered under this policy;
i) expenses incurred as a result of a tropical disease when You have not had the recommended What is not covered:
inoculations and/or taken the recommended medication; a) any claim arising in connection with a Trip solely within Your Home Country;
j) any costs incurred in Your Home Country other than in connection with transportation of You or Your remains to b) any claim if You have purchased Economy cover;
Home from abroad; c) any claims for costs related to pregnancy or childbirth unless the claim is certified by a Medical Practitioner as
k) any costs incurred in Australia which would have been covered by Medicare had You enrolled, and You failed to necessary due to Complications of Pregnancy and Childbirth;
enrol in Medicare; d) anything mentioned in the General Exclusions.
l) any costs where the transportation Home has not been arranged by Us;
m) any costs in respect of unused pre-paid travel costs when We have paid to repatriate You; SECTION 6 - CANCELLATION & CURTAILMENT
n) air-sea rescue and transfer costs;
o) the Policy Excess except where: Cancellation & Curtailment
- You have paid the Excess Waiver premium; or
- You have received inpatient treatment at a state hospital within the European Union, European Economic Area What is covered:
or Switzerland and You have used a European Health Insurance Card to effectively reduce the cost of Your We will reimburse up to a maximum of £500 for Economy/£2,000 for Standard or Extended Stay/£5,000 for Premier per
treatment or medicines; Insured Person in total under this policy for financial loss You suffer, being non-refundable deposits and amounts You
p) any costs incurred when engaging in Special Sports and Activities unless You have paid the appropriate Special have paid (or have contracted to pay), for travel and accommodation You do not use because of Your inability to
Sports & Activities premium; commence travel or complete the Trip.
q) any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports
premium; Cancellation cover applies if You have booked a Trip to take place within the Period of Insurance, but You are forced to
r) anything mentioned in the General Exclusions. cancel Your travel plans because of one of the following changes in circumstances, which is beyond Your control, and of
which You were unaware at the time You booked the Trip. Please see also the Travel Delay cover (Section 7).

IN AN EMERGENCY Curtailment cover applies if You are forced to cut short a Trip You have commenced, and return to Your Home Country,
because of one of the following changes in circumstances which is beyond Your control, and of which You were unaware
You should first check that the circumstances are covered by Your policy. Having done this please contact the
at the time You booked the Trip.
number shown below, giving Your name, Certificate number, and as much information as possible.
• Unforeseen illness, injury or death of You, a Close Relative or any person with whom You have arranged to
Please give Us a telephone, fax or telex number where We can contact You or leave messages at any time of the day travel or stay during the Trip.
or night. • You abandoning Your Trip following the cancellation of or a delay of more than 12 hours in the departure of Your
outward international flight, sea-crossing, coach or train journey, forming part of the booked Trip’s itinerary, as
To comply with the terms and conditions of the insurance You MUST contact Us as soon as possible. You MUST a result of Strike or Industrial Action (of which You were unaware at the time You booked the Trip), adverse
obtain Our prior authorisation before incurring any expenses over £500, except in case of emergency. In case of weather conditions, or the mechanical breakdown of, or accident of, the aircraft, sea vessel, coach or train.
emergency, if You are physically prevented from contacting Us immediately, You or someone designated by You • Cancellation or Curtailment of any one component part or series of parts of the booked Trip travel
must contact Us within 48 hours. arrangements arising solely from the error, insolvency, omission, default or otherwise of each provider on
which the performance of any other component part or series of parts of the itinerary depends.
Please quote the correct reference number below relating to the Insurance Policy You have purchased: • You or any person with whom You plan to travel being called up for Jury Service or being subpoenaed as a
For Single Trip policies, please quote 09IST witness in a Court of Law (other than in a professional or advisory capacity).
For Annual Multi-Trip policies, please quote 09ISA • If You are made Redundant and You qualify for Redundancy payment under current legislation.
For Extended Stay policies, please quote 09ISE. • Accidental damage, burglary, flooding or fire affecting Your Home, occurring during the Trip or within 48 hours
before You depart, when the loss relating to Your Home is in excess of £1,500 and Your presence is required by
For assistance outside U.K. dial: 00 44 (0) 844 338 6222 or 00 44 (0) 1444 442719
the Police in connection with such events.
• Your compulsory quarantine.
SECTION 3 - EMERGENCY DENTAL TREATMENT
If You cannot recoup the cost of any pre-paid accommodation, You may be able to submit a pro-rata Curtailment claim
What is covered:
under this Section for such costs.
We will pay up to £350 for Economy, Standard or Extended Stay/£500 for Premier for each Insured Person for the costs
of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to
The maximum amount We will pay under Section 6 in total for Cancellation or Curtailment claims is £500 for
dentures and orthodontic appliances carried out solely to alleviate distress in eating.
Economy/£2,000 for Standard or Extended Stay/£5,000 for Premier policies per Insured Person.
What is not covered:
Special conditions relating to claims
a) the costs of any subsequent permanent or routine treatment;
b) any pre-planned or pre-known or expected dental treatment or diagnostic procedure;
You must obtain a medical certificate from the Medical Practitioner in attendance and Our prior approval to confirm the
c) treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country
necessity to return Home prior to the scheduled return date of the Trip in the event of unforeseen illness or injury.
of departure;
Your EA Travel Insurance. Page 5 of 12

In the event of Curtailment, You must contact Us first and allow Us to make all the necessary travel arrangements. We will provide assistance by liaising with the Carrier and/or Tour Operator to advise of Your late arrival and, as
necessary, We will make arrangements for overnight hotel accommodation and alternative international travel.
If, at the time of requesting Our assistance in the event of a Curtailment claim, satisfactory medical evidence is not supplied
in order to substantiate that the claim is due to an unforeseen illness, injury or death of You, a Close Relative, travelling Special conditions relating to claims
companion or person with whom You have arranged to stay whilst on Your Trip, We will make all necessary arrangements You must take every reasonable step to commence and complete the journey to the departure point and check in for the
at Your cost and arrange appropriate reimbursement as soon as the claim has been validated. flight, sea crossing, coach or train journey on time.

You must notify the Carrier or Travel Agent immediately You know the Trip is to be cancelled or curtailed, to minimise You must obtain written confirmation from the Carrier stating the period and reason for delay.
Your loss as far as possible. If You fail to notify the Carrier or Travel Agent immediately it is found necessary to cancel What is not covered:
the Trip, Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred. a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You
booked the Trip;
If Your outward international flight, sea-crossing, coach or train journey is cancelled by the Carrier, You must produce to b) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or
Us written documentation provided by the Carrier, specifying the reason for the cancellation. recommendation of the regulatory authority in any country. You should direct any claim to the transport operator
involved;
If You cancel the Trip due to unforeseen illness or injury You must provide a medical certificate from the treating General c) additional costs where the scheduled Public Transport operator has offered reasonable alternative travel
Practitioner stating that this prevented You from travelling. arrangements;
d) claims for additional mechanical wear and tear or depreciation of Your vehicle or for mileage charges other than
If You cancel or curtail Your Trip because Your presence is required by the Police in connection with accidental damage,
additional fuel and oil;
burglary, flooding or fire affecting Your Home during Your Trip, You must produce to Us written documentation from the
e) claims under this Section in addition to claims under Section 7 (Travel Delay);
Police confirming that the loss or damage occurred during the Trip - otherwise no claim will be paid.
f) claims due to You allowing insufficient time to complete Your journey to the departure point;
g) the Policy Excess (except where You have paid the Excess Waiver premium);
Curtailment claims will be calculated from the date of return to Your Home Country.
h) any claim if You have purchased Economy Cover;
What is not covered: i) anything mentioned in the General Exclusions.
a) any disinclination to travel or continue travelling, unless Your change of travel plans is caused SECTION 9 - PERSONAL LUGGAGE
by one of the circumstances listed under ‘What is Covered’;
b) any claim arising directly or indirectly from a known Pre-existing Medical Condition affecting You; What is covered:
c) any claim arising directly or indirectly from a Pre-existing Medical Condition, known to You prior to the If, in the course of a Trip, Your Personal Luggage is damaged, stolen, destroyed or lost (and not recovered), We will cover
commencement of the Period of Insurance, affecting any Close Relative, travelling companion who is not insured You up to an overall maximum of £200 for Economy/£1,500 for Standard or Extended Stay/£2,000 for Premier policies
under this policy or person with whom You intend to stay whilst on Your Trip if: per Insured Person in total under this policy.
• a terminal diagnosis has been received prior to the commencement of the Period of Insurance;
• they were on a waiting-list, or had knowledge of the need for, surgery, inpatient treatment or investigation at Within this amount the following sub-limits apply:
any hospital or clinic at the commencement of the Period of Insurance; • The maximum We will pay for any one article, or for any one Pair or Set of articles, is £100 for Economy/£150
or if during the 90 days immediately prior to the commencement of the Period of Insurance they had; for Standard or Extended Stay policies/£200 for Premier (or £75 if the Insured Person is aged under 18). If You
• required surgery, inpatient treatment or hospital consultations; or cannot provide an original receipt, valuation report or other satisfactory proof of ownership (for example, a
• required any form of treatment or prescribed medication; photograph of You wearing the article) and value to support the claim, payment for any one article, or for any
d) Cancellation caused by pregnancy or childbirth unless the Cancellation is certified by a Medical Practitioner as one Pair or Set of articles, will be limited to a maximum of £50. Evidence of replacement value is not sufficient.
necessary due to Complications of Pregnancy and Childbirth; • The maximum We will pay for all articles lost, damaged or stolen in any one incident is limited to £500 if You
e) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You cannot provide satisfactory proof of ownership and value.
booked the Trip; • The maximum We will pay under this policy for all Valuables owned by all Insured Person is limited to £100 in
f) any costs in respect of any unused pre-paid travel costs when We have paid to repatriate You; total for Economy policies/£150 in total for Standard or Extended Stay policies/£200 in total for Premier
g) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or policies (or £75 in total if the Insured Person is aged under 18). The maximum We will pay for sunglasses or
recommendation of the regulatory authority in any country. You should direct any claim in this case to the transport prescription glasses of any kind is limited to £150 per Insured Person. The maximum We will pay for mobile
operator involved; telephones is limited to £100 per Insured Person.
h) change of plans due to Your financial circumstances except if You are made Redundant and qualify for Redundancy • The maximum We will pay for Personal Luggage or Valuables lost, damaged or stolen from a beach or pool-side
payment under current legislation; is limited to £100 per Insured Person.
i) any claim arising as a result of attendance of an Insured Person, or any other person on whom the holiday plans • The maximum We will pay for any cigarettes or alcohol lost, damaged or stolen is limited to £50 in total under
depend, in a Court of Law. This exclusion will not apply if You are called up for Jury Service or are subpoenaed as this policy.
a witness (other than in any professional or advisory capacity); Special conditions relating to claims
j) any costs relating to airport taxes or air passenger duty. You should obtain a refund from Your Carrier for such
charges; We have the option to either pay You for the loss, or replace, reinstate or repair the items concerned.
k) any Cancellation or Curtailment caused by work commitment or amendment of Your holiday entitlement by Your
Claims are paid based on the value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement
employer;
cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the items.
l) any claim resulting from Your inability to travel due to an Insured Person’s failure to hold, obtain or produce a valid
passport or any required visa in time for the booked Trip; You must take suitable precautions to secure the safety of Your Personal Luggage, and must not leave it unsecured or
m) prohibitive regulations by the Government of any country, or delay or amendment of the booked Trip due to Unattended or beyond Your reach at any time in a place to which the public have access.
Government action;
If claiming for stolen or lost goods You should produce proof of purchase of the original goods by way of receipts, credit
n) the Policy Excess (except where You have paid the Excess Waiver premium). If You are claiming only for loss of
card or bank statements, as failure to do so may affect the assessment of the claim.
deposit then the Excess is reduced to £20 per Insured Person per claim;
o) the cost of this policy; Within 24 hours of discovery of the incident, You must report loss of Personal Luggage to the local Police or to the
p) anything mentioned in the General Exclusions. Carrier, as appropriate, (damage to Personal Luggage in transit must be reported to the Carrier before You leave the
baggage hall and a Property Irregularity Report (PIR) must be obtained), or to Your hotel or accommodation
SECTION 7 - TRAVEL DELAY management, or to the Tour Operator representative.
What is covered: You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft
If the departure of Your first outward or final inward international flight, sea crossing or coach or train journey forming occurred during the Trip - otherwise no claim will be paid.
part of a booked Trip and specified on Your ticket, is delayed as a direct result of Strike, Industrial Action, adverse
weather conditions, or mechanical breakdown of aircraft, sea vessel, coach or train: What is not covered:
• For more than 12 hours beyond the intended departure time: We will pay the sum of £20 per Insured Person a) any item loaned, hired or entrusted to You;
for the first 12 hours Your departure is delayed and a further £10 per Insured Person for each subsequent full b) any loss, theft of, or damage to Personal Luggage left in an Unattended motor vehicle if:
12 hours delay, up to a maximum of £300 in all per Insured Person per Trip; or - the items concerned have not been locked out of sight in a Secure Luggage Area;
• For more than 12 hours beyond the intended departure time: You can choose instead to abandon Your Trip and - no forcible and violent means have been used by an unauthorised person to affect entry
submit a Cancellation claim under Section 6; or into the vehicle; and
• Is cancelled and no alternative provided within 12 hours of the intended departure time: The cost of buying a - no evidence of such entry is available;
replacement ticket up to a maximum of £500 Standard or Extended Stay/£1,500 Premier per each Insured c) theft of Valuables from an Unattended motor vehicle;
person. d) loss, theft of, or damage to, Valuables from checked-in luggage left in the custody of an airline and/or Valuables
packed in luggage left in the baggage hold or storage area of another Carrier;
Special conditions relating to claims e) electrical or mechanical breakdown or derangement of the article insured;
f) wear and tear, damage caused by moth or vermin, denting or scratching, or any process of dyeing or cleaning;
If You suffer delays You must obtain written confirmation from the Carrier stating the period and reason for delay. g) confiscation or detention by Customs or other lawful officials and authorities;
What is not covered: h) contact or corneal lenses; dentures; bonds; securities; stamps or documents of any kind, including driving licences
a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You and passports; musical instruments; typewriters; glass; china; antiques; pictures; pedal cycles; hearing aids;
made travel arrangements for the Trip; coupons; vehicles or accessories; boats and/or ancillary equipment; samples or merchandise or business goods
b) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or or specialised equipment relating to a trade or profession, unused mobile telephone rental charges or pre-
recommendation of the regulatory authority in any country. You should direct any claim to the transport operator payments;
involved; i) damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going vessel, aircraft or
c) claims where You have not obtained written confirmation from the Carrier stating the period and reason for delay; vehicle;
d) any claim if You have purchased Economy Cover; j) liability in respect of a Pair or Set of articles where We shall be liable only for the value of that part of the Pair or
e) anything mentioned in the General Exclusions. Set which is lost or damaged;
k) sports’ gear whilst in use;
l) equipment used in connection with any Winter Sports, golf cover or business cover unless You have paid the
SECTION 8 - MISSED DEPARTURE ON YOUR OUTWARD JOURNEY
appropriate additional premium to extend Your policy;
What is covered: m) loss or theft of or damage to Money (please see Section 11);
We will pay for reasonable additional travelling and accommodation expenses necessarily incurred to reach the booked n) losses from a roof or boot luggage rack (other than losses of camping equipment, which remains covered under
destination or Your Home by the most direct alternative route, up to a maximum under this policy of £800 for Standard this Section);
or Extended Stay/£1,000 for Premier if You arrive at the airport, port or international coach or rail terminal to depart o) the Policy Excess except where You have paid the Excess Waiver premium;
Your Home Country too late to commence the outward international journey abroad of Your booked Trip or inward p) anything mentioned in the General Exclusions.
journey back to the United Kingdom, as a result of:
• Breakdown of or accident involving the car in which You are travelling; or
• Cancellation or Curtailment of scheduled Public Transport due to adverse weather conditions, Strike or
Industrial Action or mechanical breakdown, derangement or accident; then
Your EA Travel Insurance. Page 6 of 12

SECTION 10 - LUGGAGE DELAY ON YOUR OUTWARD JOURNEY SECTION 13 - PERSONAL ACCIDENT

What is covered: What is covered:
If Your luggage is certified by the Carrier to have been lost or misplaced on the outward journey of a Trip for a period in If You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or
excess of : disablement, We will pay to You or Your legal personal representatives the following benefits:
• 24 hours but less than 48 hours, then We will pay an amount of up to £50 per Insured Person for the purchase COVER PER INSURED PERSON ECONOMY STANDARD PREMIER EXTENDED STAY
of essential items. Death £5,000 £5,000 £5,000 £5,000
• 48 hours but less than 72 hours, then We will pay an amout of up to £100 per Insured Person for the purchase Loss of one or more Limbs, or total and
of essential items. £10,000 £25,000 £50,000 £25,000
irrecoverable Loss of Sight in one or both eyes
• 72 hours for Premier cover only, We will pay an amount of up to £150 for Premier cover only policies per Insured
Person for the purchase of essential items. Permanent Total Disablement £10,000 £25,000 £50,000 £25,000

Such sums will be refundable to Us if the luggage or any part of it proves to be permanently lost and/or a claim is made What is not covered:
under the Personal Luggage Section. a) injury not caused solely by outward, violent and visible means;
b) Your disablement caused by mental or psychological trauma not involving Your bodily injury;
Special conditions relating to claims c) disease or any physical defect, infirmity or illness which existed prior to the commencement of the Trip;
You must provide receipts and a report from the Carrier confirming the length of the delay - otherwise no payment will d) any payment per Insured Person in excess of £10,000 for Economy/£25,000 for Standard or Extended
be made. Stay/£50,000 for Premier;
e) any payment in excess of £1,000 arising from death of Insured Persons under 18 years of age or over 65 years of
What is not covered: age;
a) any claim arising in connection with a Trip solely within Your Home Country; f) any payment in excess of £1,000 for Insured Persons over 65 years of age when you have purchased the Economy,
b) any claim in excess of £100 if You have purchased the Standard or Extended Stay Cover; Standard or Premier;
c) any claim if You have purchased Economy Cover; g) any claim arising from Insured Persons over 45 years of age when you have purchased the Extended Stay policy;
d) anything mentioned in the General Exclusions. h) an Insured Person engaging in any Winter Sports where this policy specifically states that Personal Accident cover
is excluded (regardless of whether the Winter Sports premium has been paid);
SECTION 11 - MONEY, PASSPORT & TRAVEL DOCUMENTS i) anything mentioned in the General Exclusions.
What is covered:
• If during a Trip, the Money You are carrying on Your person or You have left in a safety deposit box is lost, SECTION 14 - LEGAL PROTECTION
stolen, damaged or destroyed, then subject to the following conditions and exclusions, We will cover You up to What is covered:
an overall maximum under this policy of £100 for Economy/£350 for Standard or Extended Stay/£500 for We will provide telephone advice, guidance and assistance on any legal problem, which arises in connection with a Trip
Premier policies per Insured Person in total. or in connection with Your Home. This service is available when You start Your Trip until 7 days after You return Home.
The maximum We will pay for bank notes, currency notes and coins is £100 for Economy/£150 for Standard or
If You suffer death, illness or personal injury during the Trip, or if Your Home suffers damage during the Trip, then in the
Extended Stay/£200 for Premier policies.
event that You or Your personal representatives decide to take out legal proceedings in pursuit of compensation, and
The maximum We will pay for bank notes, currency notes and coins belonging to an Insured Person aged under We consider that You are likely to obtain a reasonable settlement:
18 is £50.
We will advance on Your behalf:
• If Your Passport or Travel Documents are lost or stolen outside the country of departure during a Trip, We will • Up to £10,000 for Economy/£15,000 for Standard or Extended Stay/£50,000 for Premier policies in total under
pay up to £200 (or £100 if the Insured Person is aged under 18) per Insured Person in respect of reasonable this policy per Insured Person (and in total for all Insured Persons in connection with any one event giving rise
additional travel and accommodation expenses You incur abroad to obtain a replacement passport. We do not to a claim) for legal costs and expenses directly incurred in the pursuit of these proceedings.
cover the replacement cost of the passport itself or other Travel Documents. • Additional travel expenses in the event that a Court outside Your Home Country requires You to attend in
connection with an event giving rise to an action under this Section, up to a maximum per Insured Person of
Special conditions relating to claims
£250.
Within 24 hours of discovery of the incident You must report loss of Money or Your passport or Travel Documents to the • When We have begun proceedings on Your behalf and You receive no compensation, or only limited
local Police or to the Carrier, as appropriate, or to Your hotel or accommodation management, or to the Tour Operator compensation, We will cover You against claims for fees, costs and expenses arising out of the proceedings, to
representative. the extent that these fees, costs and expenses exceed the amount of any compensation You have received, up
to £10,000 for Economy/£15,000 for Standard or Extended Stay/£50,000 for Premier policies in total under
You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft this policy per Insured Person (and in total for all Insured Persons in connection with any one event giving rise
occurred during the Trip - otherwise no claim will be paid. to a claim). This benefit will be offset against the advance described above.
You must produce to Us evidence of the withdrawal of bank notes, currency notes or coins.
Special conditions relating to claims
What is not covered:
a) shortages or loss due to error, omission, depreciation in value, or confiscation or detention by We shall have complete control over the legal proceedings although You do not have to accept the lawyer nominated by
Customs or other lawful officials and authorities; Us.
b) anything that can be replaced by the issuer; Lawyers must be qualified to practice in the Courts of the country where the event giving rise to the claim occurred or
c) the Policy Excess except where You have paid the Excess Waiver premium; where the proposed defendant under this Section is Resident.
d) any claim for Your passport or Travel Documents if You have purchased Economy Cover;
e) anything mentioned in the General Exclusions. If You are unable to agree with Us on a suitable lawyer We will ask the ruling body for lawyers in that country to nominate
another lawyer. In the meantime, We may appoint a lawyer to protect Your interests.
SECTION 12 - PERSONAL LIABILITY
If an award of compensation is made and payment is received by You, or by a lawyer instructed on Your behalf, then all
What is covered: sums advanced or paid by Us shall be repaid out of the compensation received.
If in the course of a Trip You become legally liable for accidental bodily injury to, or the death of, any person and/or
accidental loss of or damage to their property, then: We can opt to conduct legal proceedings instituted in the United States of America or Canada under the contingency fee
system operating in North America.
On condition that there is no other insurance in force covering the loss, the material damage or Your liability, We will
cover You (or in the event of Your death, Your legal personal representatives) against: We will not begin legal proceedings in more than one country in respect of the same occurrence.
• All sums which You shall become legally liable to pay as compensation; and
• All law costs awarded to any claimant or incurred in the defence of any claim that is contested by Us or with You must notify Us as soon as possible of any incident which may give rise to a claim, and at the latest, within 90 days.
Our consent.
What is not covered:
We will pay up to a maximum, including costs, of £2,000,000 under this policy. This limit applies to any and all claimants
a) costs or expenses incurred without prior authorisation by Us;
in any one Period of Insurance affected by any and all occurrences with any one original cause.
b) any incident, which may give rise to a claim, not notified to Us within 90 days;
What is not covered: c) the pursuit of a claim against Us, Our agent or an Insurer underwriting any Section of this policy, or a Travel Agent,
a) injury to, or the death of, any member of Your family or household, or any person in Your service; Tour Operator or Carrier;
b) property belonging to, or held in trust by You or Your family, household or servant; d) actions between Insured Persons, or actions pursued in order to obtain satisfaction of a judgement or legally
c) loss of or damage to property which is the legal responsibility of You or Your family, household or servant. (This binding decision;
exclusion will not apply to temporary accommodation which You occupy and for which You assume contractual e) any advice or any claim arising in connection with a Trip solely within Your Home Country;
responsibility during Your Trip); f) anything mentioned in the General Exclusions.
d) any liability which attaches by virtue of a contractual agreement, but which would not exist in law in the absence
of such an agreement; SECTION 15 - WITHDRAWAL OF SERVICES
e) claims for injury, loss or damage arising directly or indirectly from: What is covered:
- ownership or use of: aircraft; horse-drawn, motorised, mechanically-propelled or towed vehicles; vessels, sail We will pay You up to a maximum of £500 for Standard and Extended Stay/£750 for Premier, if You suffer withdrawal of
or powered boat (other than row boats, punts or canoes); animals (other than horses, domestic dogs or cats); water, gas or electricity supplies continuously for at least a 60 hour period during Your Trip.
firearms;
- the pursuit or exercise of any trade, profession or gainful occupation, or the supply of goods and services by What is not covered:
You; a) any claim that results from a strike or industrial action existing at the time this insurance was issued;
- the ownership or occupation of any land or building; b) any claim not supported by written confirmation from the tour operator or hotel;
- wilful or malicious acts; c) any claim if You have purchased Economy Cover;
f) liability or material damage for which cover is provided under any other insurance; d) anything mentioned in the General Exclusions.
g) accidental injury or loss not caused through Your negligence;
h) any injury, illness, death, loss, expense or other liability attributable to the transmission of any communicable
disease or virus, or to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or
any mutant derivatives or variations thereof however caused;
i) an Insured Person engaging in any Winter Sports where this policy specifically states that Personal Liability cover
is excluded (regardless of whether the Winter Sports premium has been paid);
j) any claim arising in connection with a Trip solely within Your Home Country;
k) the Policy Excess except where You have paid the Excess Waiver premium;
l) anything mentioned in the General Exclusions.
Your EA Travel Insurance. Page 7 of 12

SECTION 16 - CATASTROPHE SECTION 19 - CANCELLATION OR CURTAILMENT

What is covered: What is covered in addition to Section 6:
We will pay up to £1,000 for Standard and Extended Stay/£1,500 for Premier for the cost of providing other similar • Financial loss You suffer in connection with deposits You cannot recover, or for payments You have made (or
accommodation if Your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm. have contracted to pay) for unused ski pass or ski school fees.
• If You are certified by a Medical Practitioner at the ski resort as being unable to ski as a direct result of injury
What is not covered: or sudden and unforeseen illness occurring during the Trip, We will pay You a proportionate refund in respect
a) any expenses that You can get back from any tour operator, airline, hotel or other provider of services; of charges for unused ski-packs.
b) any expenses that You would normally have to pay during the period of Your journey/holiday;
c) any claim resulting from You travelling against the advice of the appropriate national or local authority You must What is not covered:
give Us a written statement from an appropriate public authority confirming the reason and nature of the disaster a) anything mentioned in the General Exclusions.
and how long it lasted;
d) any event that results in a claim under this Section which was known about before You left from Your international SECTION 20 - SKIS, SKI EQUIPMENT & SKI PASS
departure point;
What is covered in addition to Section 9:
e) You must give Us evidence of all the extra costs You had to pay;
• We will pay up to £350 for Economy and Standard/£1,000 for Premier per Insured Person if skis and ski
f ) any claim if You have purchased Economy Cover;
equipment belonging to or hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the
g) anything mentioned in the General Exclusions.
course of a Trip.
SECTION 17 - PET CARE Within this amount the following sub-limits apply:
What is covered: • The maximum We will pay for one article owned by You is £350 for Economy and Standard/£1,000 for Premier.
We will pay £20 per complete 24 hours up to a maximum of £200 for Standard and Extended Stay/£300 for Premier, for • The maximum We will pay for one article hired by You is £200 for Economy and Standard/£500 for Premier.
extra kennel or cattery fees if the departure of Your final inward international flight, sea crossing or coach or train
We will pay £75 per complete 24 hours up to £300 for Economy and Standard/£450 for Premier per Insured Person if Your
journey forming part of a booked Trip and specified on Your ticket, is delayed as a direct result of Strike, Industrial
ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a
Action, adverse weather conditions, failure of air traffic control systems, or mechanical breakdown of aircraft, sea
Trip.
vessel, coach or train. You must be delayed by at least 24 hours.
Skis and ski equipment are covered against damage or loss whilst in use.
Special conditions relating to claims
Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
If You suffer delays You must obtain written confirmation from the Carrier stating the period and reason for delay.
Special conditions relating to claims
You must also get a written statement from the appropriate kennel or cattery confirming any extra charges that You have
to pay. You must take sufficient precautions to secure the safety of Your skis and ski equipment and must not leave them
Unattended at any time in a place to which the public has access.
What is not covered:
a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You What is not covered:
made travel arrangements for the Trip; a) the Policy Excess if skis or ski equipment belonging to or hired to you is/are damaged, stolen, destroyed or lost
b) claims where You have not obtained written confirmation from the Carrier stating the period and reason for delay; (and not recovered);
c) claims where You have not obtained written confirmation from the appropriate kennel or cattery confirming any b) anything mentioned in the General Exclusions.
extra charges;
d) any claim arising in connection with a Trip solely within Your Home Country; SECTION 21 - PISTE CLOSURE
e) any kennel or cattery fees You pay outside Your Home Country as a result of quarantine regulations; What is covered:
f) any costs related to domestic pets other than cats or dogs that You own; If during a Trip You are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because
g ) any claim if You have purchased Economy Cover; insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the
h ) anything mentioned in the General Exclusions. resort by non-skiers), We will reimburse up to £20 per complete 24 hours to a maximum of £200 for Economy and
Standard/£300 for Premier per Insured Person:
SECTION 18 - HIJACK
What is covered: • For all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski;
We will pay £50 per complete 24 hours up to a maximum of £350 for Standard and Extended Stay/£500 for Premier if OR
the aircraft or sea vessel in which You are travelling is hijacked for more than 24 hours on the original, pre-booked, • As a cash benefit payable if no suitable alternative skiing is available.
outward journey or return journey.
What is not covered:
What is not covered: a) claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
a) any claim resulting from You acting in a way which could cause a claim under this Section; b) Trips in the Northern Hemisphere outside the period commencing 1st December and ending 31st March;
b) You must give Us a written statement from an appropriate authority confirming the hijack and how long it lasted; c) Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
c) any claims if You have purchased Economy Cover; d) anything mentioned in the General Exclusions.
d) anything mentioned in the General Exclusions.
SECTION 22 - AVALANCHE OR LANDSLIDE
OPTIONAL WINTER SPORTS COVER What is covered:
(Please note that sections 19 to 23 apply to Economy, Standard and Premier Cover Only) If, following avalanches or landslides, access to and from the ski resort is blocked or scheduled Public Transport services
This policy specifically excludes participating in or practising for certain winter sports and activities. If You are under 65 are cancelled or curtailed We will pay up to £20 per complete 24 hours to a maximum of £200 for Economy and
years of age,Your policy can be extended to cover some of these sporting activities when You have paid the additional Standard/£300 for Premier per Insured Person for reasonable extra accommodation and travel expenses.
Winter Sports premium. Your policy can be extended before departure from Your Home Country.
What is not covered:
When are You covered for Winter Sports? a) anything mentioned in the General Exclusions.
If You have purchased a Single Trip policy, You are covered when taking part in Winter Sports if You have paid the
appropriate additional premium for the Period of Insurance. SECTION 23 - SKI HIRE
If You have purchased an Annual Multi-trip policy, You are covered when taking part in Winter Sports for one Trip of up What is covered:
to 17 consecutive days during the Period of Insurance when You have paid the appropriate additional premium. If Your luggage is certified by the Carrier to have been misplaced on the outward journey of a Trip in excess of 13 hours,
then You can claim up to £20 per complete 24 hours to a maximum of £200 for Economy and Standard/£300 for Premier
This policy will cover You when You are engaging in the following sports and activities on an occasional, non-competitive per Insured Person, for hire of replacement skis and ski equipment. You must provide Us with receipts and written
and non-professional basis during Your Trip when You have paid the additional Winter Sports premium: confirmation from the Carrier confirming the delay.
Big foot skiing Ski doing What is not covered:
Cat skiing Skiing a) anything mentioned in the General Exclusions.
Cross country skiing Sledging / tobogganing
Glacier skiing Snow-blading OPTIONAL GOLF COVER
Ice hockey Snow-boarding (Please note that sections 24 to 26 apply to Standard and Premier Only)
Mono skiing Snowmobiling If You have purchased a Single Trip policy, golf cover is included if You have paid the appropriate additional premium for
Off piste skiing or snow-boarding Tobogganing / sledging the Period of Insurance up to a maximum of 31 days.
(within local ski patrol guidelines)
If You have purchased an Annual Multi-trip policy, You are covered when taking part in Golf for up to 31 days during the
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports Period of Insurance when You have paid the appropriate additional premium.
and activities:
SECTION 24 - GOLF EQUIPMENT
Heli skiing or Heli boarding Ski jumping
What is covered:
Ice speeding Ski racing We will pay up to £1,000 for Standard policies/£1,500 for Premier policies per Insured Person, for Accidental loss, theft
Luging / bobsleigh Ski stunting of or damage to Golf Equipment which You own.
Ski acrobatics Within this amount the following sub-limits apply:
• The maximum We will pay you for any one club or one piece of Golf Equipment is £500.
You are not covered when engaging in organised competitions or when skiing against local authoritative warning or
• The maximum We will pay for all pieces of Golf Equipment lost, damaged or stolen in any one incident is limited to
advice.
£200 in total if You are unable to provide the original receipt, proof of purchase or an insurance valuation which
If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will was obtained prior to the loss.
apply, please call Our Travel Helpline on 0844 482 0662. Special conditions relating to claims
What is covered? Claims are paid based on the value of Your Golf Equipment at the time that they are lost and not on a ‘new for old basis’
Benefits under the Sections of cover already described are extended to cover Winter Sports as follows. Please note that or replacement cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the
all terms, conditions and exclusions (except where these are amended under this upgrade) continue to apply for all items.
Sections in respect of Winter Sports. You must read these extensions in conjunction with Sections 1-18 and refer back
to them when appropriate for full cover details.
Your EA Travel Insurance. Page 8 of 12

What is not covered: SECTION 28 - BUSINESS EQUIPMENT HIRE

a) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium);
b) more than £500 per single club or single item of Golf Equipment; What is covered:
c) wear and tear, damage caused by moth or vermin, denting or scratching, or any process of dyeing or cleaning; If Your Business Equipment is lost, stolen, damaged, misdirected or delayed in transit by more than 12 hours We will pay
d) any claim for loss or theft of Golf Equipment if You have not notified the police within 24 hours of its discovery and You £30 for Standard policies/£50 for Premier policies for the cost of hiring the necessary Business Equipment for each
obtained a written report which includes the crime reference number; 24 hour period You are without Your business equipment, up to a maximum of £300 for Standard policies/£500 for
e) any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier or their Premier policies in total per Trip.
handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR);
What is not covered:
f) claims arising from delay, detention, seizure or confiscation by Customs or other officials;
a) any claim for loss or theft of Business Equipment if You have not notified the police within 24 hours of its discovery
g) claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
and obtained a written report which includes the crime reference number;
h) damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack;
b) any claim, if the loss or theft of Your own Business Equipment occurs during a journey or whilst in the custody of
i) damage to, loss or theft of Golf Equipment, if it has been left:
an airline or other carrier or their handling agent and an official report or a Property Irregularity Report (PIR) was
- unattended in a place to which the public have access; or
not obtained;
- left in an unattended motor vehicle; or
c) claims arising from Your own Business Equipment being delayed, detained, seized or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property;
confiscated by Customs or other officials;
j) any claim for damage to Golf Equipment whilst in use;
d) claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
k) anything mentioned in the General Exclusions.
e) damage to, loss or theft of Your own Business Equipment, which is being carried on a vehicle
roof rack;
SECTION 25 - GOLF EQUIPMENT HIRE
f) damage to, loss or theft of Your own Business Equipment, if it has been left:
What is covered: - unattended in a place to which the public have access; or
If Your own Golf Equipment is lost, stolen, damaged, misdirected or delayed in transit by more than 24 hours We will pay - left in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local
You £20 for Standard policies/£25 for Premier policies for the cost of hiring the necessary Golf Equipment for each 24 time and there is evidence of forced entry, which is confirmed by a police report;
hour period You are without Your own golf equipment, up to £100 for Standard policies/£150 for Premier policies per - in the custody of a person who does not have an official responsibility for the safekeeping of the property;
Insured Person. g) anything mentioned in the General Exclusions.
What is not covered: SECTION 29 - BUSINESS MONEY
a) any claim for loss or theft of Golf Equipment if You have not notified the police within 24 hours of its discovery and
obtained a written report which includes the crime reference number; What is covered:
b) any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier or their We will pay up to £1,000 in total under this Policy for the loss or theft of Your business money during Your Trip.
handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR);
c) claims arising from delay, detention, seizure or confiscation by Customs or other officials; The maximum we will pay for bank notes, currency notes and coins is £500.
d) claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
e) damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack; What is not covered:
f) damage to, loss or theft of Golf Equipment, if it has been left: a) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium);
- unattended in a place to which the public have access; or b) any claim for loss or theft of business money if You have not notified the police within 24 hours of its discovery and
- left in an unattended motor vehicle; or obtained a written report which includes the crime reference number;
- in the custody of a person who does not have an official responsibility for the safekeeping of the property; c) any claim, if the loss or theft of Your own Business Equipment occurs during a journey or whilst in the custody of
g) anything mentioned in the General Exclusions. an airline or other carrier or their handling agent and an official report or a Property Irregularity Report (PIR) was
not obtained;
SECTION 26 - HOLE IN ONE COVER d) any loss if You have not taken reasonable steps to prevent a loss happening;
e) loss or theft of business money that is:
What is covered: - not on Your person; or
• We will pay You up to £100 for customary bar expenses you incur as a result of, and - not deposited in a safe, a safety deposit box or similar fixed container in Your Trip accommodation;
immediately subsequent to, You achieving a hole in one during a competition round. - loss or theft of business money that does not belong to:
Special conditions relating to claims - Your employer; or
- You, if You are self employed;
It is a condition of the cover provided under this section that: - loss or theft of travellers cheques, if the issuer provides a replacement service;
• You get a written statement from the Golf Club Secretary confirming the competition name and date; - depreciation in value, currency changes or shortage caused by any error or omission;
• You get a certified copy of your score card countersigned by your opponent and by the Official Scorer for the f) claims arising from delay, detention, seizure or confiscation by Customs or other officials;
competition; and g) anything that can be replaced by the issuer;
• You get a dated Golf Club bar receipt to show the sum that you have paid. h) anything mentioned in the General Exclusions.
What is not covered:
a) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium); SECTION 30 - EMERGENCY COURIER EXPENSES
b) any claim if you are aged under 18; What is covered:
c) anything mentioned in the General Exclusions. We will pay up to £100 for Standard policies/£200 for Premier policies if, after loss, theft or damage to your business
equipment that is covered under Section 27 (Business Equipment) You incur emergency courier expenses to replace
OPTIONAL BUSINESS COVER business equipment essential to your intended business trip. You must keep receipts for all courier expenses you
(Please note that sections 27 to 31 apply to Standard and Premier Cover Only) incurred.
If You have purchased a Single Trip policy, business cover is included if You have paid the appropriate additional
What is not covered:
premium for the Period of Insurance up to a maximum of 31 days.
a) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium);
If You have purchased an Annual Multi-trip policy, You are covered when taking part in Business Trips for up to 31 days b) anything mentioned in the General Exclusions.
during the Period of Insurance when You have paid the appropriate additional premium.
SECTION 31 - REPLACEMENT EMPLOYEE
SECTION 27 - BUSINESS EQUIPMENT What is covered:
What is covered: We will pay up to £1,000 for Standard policies/£1,500 for Premier Policies for a return journey air ticket plus reasonable
We will pay up to £1,000 in total per Trip, for Accidental loss, theft or damage to Your Business Equipment. We will also accommodation costs to enable a business colleague, where necessary, to replace You in Your location outside Your
pay for any emergency courier expenses You have incurred, in obtaining any Business Equipment which is essential to Home Country following Your medical repatriation or death during a Trip.
Your intended business itinerary. What is not covered:
The maximum We will pay for any one article or samples is £500. a) any air travel costs in excess of a return economy/tourist class ticket;
b) accommodation costs other than the cost of the room;
The maximum We will pay for computer equipment is £1,000. c) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium);
d) anything mentioned in the General Exclusions.
We will pay up to £150 for Standard policies/£200 for Premier policies in total per Trip for the purchase of essential
items, if Your Business Equipment is delayed or lost in transit on Your outward journey for more than 24 hours.
What is not covered:
a) Your engaging in manual work in conjunction with any profession, business or trade during the Trip;
b) the Policy Excess in respect of each and every claim (except where You have paid the Excess Waiver premium);
c) more than £50 per single item, up to a maximum of £200 in total for any one claim if You are unable to provide the
original receipt , proof of purchase or an insurance valuation which was obtained prior to the loss;
d) wear tear or depreciation;
e) any claim for loss or theft of Your Business Equipment if You have not notified the police within 24 hours of its
discovery and obtained a written report which includes the crime reference number;
f) any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier or their
handling agent if You have not notified the airline or other carrier or their handling agent of the incident and
obtained an official report or a Property Irregularity Report (PIR);
g) claims arising from delay, detention, seizure or confiscation by Customs or other officials;
h) damage caused by the leakage of powder or liquid carried with Your Business Equipment;
i) any breakage of fragile articles, unless the breakage is caused by fire or an Accident involving the vehicle in which
You are being carried;
j) claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
k) damage to, loss or theft of Your Business Equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local
time and there is evidence of forced entry, which is confirmed by a police report;
- in the custody of a person who does not have an official responsibility for the safekeeping of the property;
l) any claim for Business Equipment delay, if You cannot supply receipts for the essential items purchased and
written confirmation from the carrier as to the length of the delay;
m) anything mentioned in the General Exclusions.
Your EA Travel Insurance. Page 9 of 12

OPTIONAL SPECIAL SPORTS & ACTIVITIES UPGRADE You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following
sports and activities in Table E:
This policy specifically excludes participating in or practising for certain sports and activities. Your policy can be Table E
extended to cover some of these sporting activities when You have paid an appropriate additional premium. Your policy
can only be extended before departure from Your Home Country. Adventure racing Micro lighting
This policy will cover You when You are engaging in the following sports and activities in Table A on a non-competitive Base jumping Modern pentathlon
and non-professional basis during Your Trip: Biathlon Motor cycle racing
Big game hunting Motor racing
Table A Black water rafting Motor rallying
Abseiling (within organiser’s guidelines) Organised safari without guns BMX riding - stunt /obstacle Mountaineering over 4000m
Angling Orienteering Bouldering Parachuting
Archery Overland trips Boxing Paragliding / parapenting
Athletics Parascending - over water Canyoning Parapenting / paragliding
Badminton Pony trekking Cave tubbing Pot holing / caving
Ballooning - hot air (organised pleasure rides only) Racket ball Caving / pot holing Power boat racing
Banana boating Rackets Climbing over 4000 m Powerlifting
Baseball Rambling Cycle racing Professional sports of any kind
Basket ball Rap jumping (within organiser’s guidelines) Cyclo cross Quad biking
Boardsailing Ringos Drag racing River bugging
Bowling Roller skating/blading (wearing pads & helmets) Flying (except passengers in licensed passenger Rock climbing
Bungee jumping (within organiser’s guidelines) Rounders carrying aircraft)
Free mountaineering Rodeo
Canoeing (up to grade 2 rivers only) Rowing (except racing)
Hang gliding Roller hockey
Climbing (on a climbing wall only) Running
Harness racing Shark diving (in cage)
Cricket Safari trekking on foot (must be organised tour)
High diving (over 5 metres) Sky diving
Curling Sail boarding
Hunting (fox / drag) Speed trials / time trails
Cycling Scuba diving to 30m (within organiser’s guidelines)
Jousting Time trails / speed trails
Deep sea fishing Sea kayaking
Judo Triathlon
Fell walking Skateboarding (wearing pads and helmets)
Karate Water ski jumping
Fishing Sledging - pulled by horse or reindeer as a passenger
Kendo Weight lifting
Glacier walking Snorkelling
Manual work Wrestling
Gliding (no cover for crewing or piloting) Softball
Martial arts
Golf Squash
Gymnastics Surfing If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will
Handball Table tennis apply, please call Our Travel Helpline on 0844 482 0662.
Heptathlon Ten pin bowling
Hiking / trekking / walking (below 4000 metres) Tennis GENERAL CONDITIONS APPLYING TO ALL SECTIONS
Hill walking up to 2000 metres Tubing
Horse riding Trekking / hiking / walking (below 4000 metres) 1. No cover is in force for any Pre-Existing Medical Conditions.
(excl. Competitions/racing/jumping/hunting) 2. You must declare to Us all Material Facts which are likely to affect this insurance. Failure to do so may prejudice
entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us.
Hot air ballooning (organised pleasure rides only) Tug of war
3. You must exercise reasonable care for the supervision and safety of both You and Your property. You must take all
Ice skating Volley ball
reasonable steps to avoid or minimise any claim. You must act as if You are not insured.
Kayaking (up to grade 2 rivers only) Wake-boarding 4. You must avoid needless self-exposure to peril unless You are attempting to save human life.
Kite surfing Walking / hiking / trekking (below 4000 metres) 5. We will make every effort to apply the full range of services in all circumstances dictated by the terms and
Marathon running Water polo conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal
Motor cycling (up to 125cc) Water-skiing standard of service being provided. In all cases where such difficulties exist, the full monetary benefits of the
Mountain biking White water rafting (within organiser’s guidelines) insurance cover will apply.
Netball Wind-surfing 6. You must comply in full with the terms and conditions of this policy before a claim will be paid. Please read this
Non-competitive Football Zorbing policy carefully, and if unsure as to what is covered or excluded, contact the Travel Helpline on
Safari trekking in a vehicle (must be organised tour) 0844 482 0662.
7. In the event of an emergency or any occurrence that may give rise to a claim for more than £500 under this
The following sports and activities in Table B will also be covered but no cover will apply in respect of any Personal insurance, You must contact Us as soon as possible. You must make no admission, offer, promise or payment
Accident or Personal Liability claims: without Our prior consent. Please Telephone Us first.
Table B 8. We are entitled to take over Your rights in the defence or settlement of a claim, or to take proceedings in Your name
for Our own benefit against another party and We shall have full discretion in such matters. This is to enable Us to
Camel riding Paint balling (wearing eye protection) recover any costs We have incurred from any third party who may have liability for the costs.
Catamaran sailing (if qualified) Rifle range shooting 9. We may, at any time, pay to You Our full liability under this policy after which no further liability shall attach to Us
Clay pigeon shooting Sailing / yachting inshore (recreational, no racing) in any respect or as a consequence of such action.
Dinghy sailing Shooting (within organiser’s guidelines) 10. Where it is possible for Us to recover sums that We have paid out under the terms of the policy, You will co-operate
Go karting (within organiser’s guidelines) Small bore target shooting fully with Us in any recovery attempt We make and We will pay all costs associated with the recovery of Our outlay.
(within organiser’s guidelines) You agree not to take any action that may prejudice Our recovery rights and will advise Us if You instigate
Jet boating (no racing) War games (wearing eye protection) proceedings to recover compensation arising from any incident which has led to a successful claim against this
Jet skiing ( no racing) Yachting (if qualified) policy. The sums We have paid out under the terms of the policy will be reimbursed from any recovery made.
11. You must take all practicable steps to recover any article lost or stolen and to identify and ensure the prosecution
Your policy can be extended to cover the following Special Sports and Activities in Table C for an additional premium: of the guilty person(s). We may at any time and at Our expense take such action as We deem fit to recover the
property lost or stated to be lost.
Table C
12. In the event of a valid claim You shall allow Us the use of any relevant travel tickets You are not
American football Outdoor endurance events able to use because of the claim.
Climbing up to 4000 metres Parascending - over land 13. You must notify Us in writing of any event which may lead to a claim, within 28 days of Your return Home. As often
Dry slope skiing Rugby as We require You shall submit to medical examination at Our expense. In the event of the death of an Insured
Endurance tests Sand dune surfing / skiing Person We shall be entitled to have a post mortem examination carried out at Our expense. You must supply Us
Fives Scuba diving between 30m - 50m with a written statement substantiating Your claim, together with (at Your own expense) all certificates,
(within organiser’s guidelines) information, evidence and receipts that We reasonably require.
Football - American Speed skating 14. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the
High altitude trekking Street hockey (wearing pads and helmets) insurance, this policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and
Hiking / trekking / walking (above 4000 metres) Summer tobogganing received must be repaid to Us.
Hockey Trampolining 15. We may give 7 days notice of cancellation of this policy by recorded delivery to You at Your last known address. In
this case We shall refund to You the unexpired pro-rata portion of the premium You have paid.
Lacrosse Trekking high altitude
16. If any dispute arises as to the policy interpretation, or as to any rights or obligations under this policy, We offer You
Langlauf White water canoeing (up to grade 4 only)
the option of resolving this by using the arbitration procedure We have arranged. Please see the details shown
Organised safari with guns under Customer Satisfaction. Using this service will not affect Your legal rights. If You are unsure of Your legal
rights, You should contact the Citizens’ Advice Bureau.
Your policy can be extended to cover the following Special Sports and Activities in Table D for an additional premium,
17. You will be required to repay to Us, within one month of Our request to You, any costs or expenses We have paid
but no cover will apply in respect of any Personal Accident or Personal Liability claims:
on Your behalf which are not covered under the terms and conditions of this policy.
Table D 18. This policy is subject to the Laws of England and Wales unless we agree otherwise. The courts of England and
Fencing (within organiser’s guidelines) Polo Wales alone shall have jurisdiction in any disputes.
Gaelic football Sailing / yachting inshore 19. You must pay the appropriate premium for the full number of days comprising Your planned Trip. If You travel for
(recreational crewing, no racing) more than the number of days for which You have paid for cover, You will not be covered after the last day for which
You have paid.
Hurling Sailing / yachting offshore (recreational, no racing)
20. When engaging in any sport or holiday activity (not excluded under General Exclusion 15) You must accept and
follow the supervision and tuition of experts qualified in the pursuit or activity in question, and You must use all
appropriate precautions, equipment and eye protection.
21. Special Sports and Activities, Winter Sports, Golf cover and Business cover are covered only if You have paid the
appropriate additional premium required before departure from Your Home Country.
22. Although We are prepared to cover You when undertaking certain sports and activities, the availability of the
insurance cover does not, in itself, imply that We or the underwriters consider such sports and activities as safe.
At all times You must satisfy yourself that You are capable of safely undertaking the planned sport or activity and
You must take care to avoid injury, accident or loss to yourself and to others.
Your EA Travel Insurance. Page 10 of 12

GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS MAKING A CLAIM ON YOUR RETURN HOME
No Section of this policy shall apply in respect of: First, check Your Certificate and the appropriate Section of Your policy to make sure that what You are claiming for is
1. Any person who has reached the age of 80 years for Single Trip and Annual policies or 46 years for Extended Stay covered.
policies prior to the commencement of the Period of Insurance.
Claims forms can be obtained from [Link] Alternatively telephone Our Claims Helpline on
2. Any person practicing in Winter Sports who has reached the age of 65 years prior to the commencement of the
0844 338 6224 to obtain a claim form, giving Your name and Certificate number, and brief details of Your claim.
Period of Insurance.
3. Claims arising from a Material Fact or facts, which have notbeen disclosed to Us and accepted by Us in writing prior Please quote the correct reference number below relating to the Insurance Policy You have purchased:
to the commencement of the Period of Insurance (or, in the case of Annual Multi-trip cover, prior to the For Single Trip policies, please quote 09IST
commencement of any Trip). For Annual Multi-Trip policies, please quote 09ISA
4. Loss, damage or expense which at the time of happening is insured by, or would, but for the existence of this policy, For Extended Stay policies, please quote 09ISE.
be insured by any other existing certificate, policy or any motoring organisation’s service. If You have any other
policy in force, which may cover the event for which You are claiming, You must tell Us. This exclusion shall not All claims must be submitted within 28 days of Your return on a policy claim form, accompanied by original invoices,
apply to Personal Accident cover under Section 12. receipts, reports, etc. Please refer to the relevant Section of Your policy for specific conditions and details of the
5. Costs which would have been payable if the event being the subject of a claim had not occurred (for example, the supporting evidence that We require. Please remember that it is always advisable to retain copies of all documents
cost of meals which You would have paid for in any case). when submitting Your claim form.
6. We will not pay for any losses which are not directly covered by the terms and conditions of this policy. Examples In order to handle claims quickly, We may use appointed claims handling agents.
of losses we will not pay for include loss of earnings due to being unable to return to work following injury or illness
happening while on a trip and replacing locks if you lose your keys. When claims settlements are made by the BACS (Bank Automatic Clearing System) or other electronic banking system
7. Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the taxi costs incurred for the initial method, You will be responsible for supplying Us with the correct bank account details and Your full authority for Us to
journey to a hospital abroad due to an Insured Person’s illness or injury), interpreters’ fees, inconvenience, remit monies directly to that account. Provided that payment is remitted to the bank account designated by You, Europ
distress, loss of earnings, loss of enjoyment of holiday, time-share maintenance fees, holiday property bonds or Assistance shall have no further liability or responsibility in respect of such payment, and it shall be Your sole
points and any additional travel or accommodation costs (unless pre-authorised by Us or part of a valid claim under responsibility to make collection of any misdirected payment in the event of incorrect details having been provided to
Section 2 (Medical Emergency & Repatriation), Section 4 (Additional Accommodation & Travelling Costs), Section Us.
6 (Cancellation & Curtailment) or Section 11 (Money, Passport & Travel Documents).
8. Any deliberately careless or deliberately negligent act or omission by You. Important notice
9. Any claim arising or resulting from Your own illegal or criminal act. Under the new European Union (EU) travel regulations, You are entitled to claim compensation from Your Carrier if any
10. Needless self-exposure to peril except in an endeavour to save human life. of the following happen:
11. Any claim arising directly or indirectly from Your drug addiction or solvent abuse, excessive alcohol intake, or You 1 Denied boarding and cancelled flights
being under the influence of drug(s). If You check in on time but You are denied boarding because there are not enough seats available or if Your flight is
12. Any claim arising or resulting directly or indirectly from Your suicide, attempted suicide, or intentional self-injury. cancelled, the Carrier must offer You financial compensation.
13. You engaging in Manual Work in conjunction with any profession, business or trade during the Trip. 2 Long delays
14. You engaging in any Winter Sports unless the appropriate Winter Sports extension premium required has been If Your flight is delayed for more than five hours, the airline must offer to refund Your ticket.
paid. 3 Luggage
15. You engaging in or practising for the following sports and activities: Adventure racing, Base jumping, Biathlon, Big If Your checked-in luggage is damaged or lost by an EU airline, You must claim compensation from the Carrier within
game hunting, Black water rafting, BMX riding - stunt /obstacle, Bouldering, Boxing, Canyoning, Cave tubbing, seven days. If Your checked-in luggage is delayed, You must claim compensation from the Carrier within 21 days of its
Caving / pot holing, Climbing over 4000 m, Cycle racing, Cyclo cross, Drag racing, Flying (except passengers in return.
licensed passenger carrying aircraft), Free mountaineering, Hang gliding, Harness racing, Heli skiing, High diving
(over 5 metres), Hunting (fox / drag), Jousting, Judo, Karate, Kendo, Luging / bobsleigh, Manual work, Martial arts, You can download full details from [Link]
Micro lighting, Modern pentathlon, Motor cycle racing, Motor racing, Motor rallying, Mountaineering over 4000m,
Parachuting, Paragliding / parapenting, Parapenting / paragliding, Pot holing / caving, Power boat racing, CUSTOMER SATISFACTION
Powerlifting, Professional sports of any kind, Quad biking, River bugging, Rock climbing, Rodeo, Roller hockey, Our Promise of Service: We aim to provide a first class service at all times. However, if You have a complaint You should
Shark diving (in cage), Ski acrobatics, Ski jumping, Ski racing, Sky diving, Speed trials, Time trials, Triathlon, Water contact Us in the first instance at:
ski jumping, Weight lifting, Wrestling unless agreed by Us in writing. If You are undertaking a pursuit or activity
which is not listed in this policy or are in any doubt as to whether cover will apply, please call Our Travel Helpline Quality Department, Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West
on 0844 482 0662. Sussex, RH16 1DN.
16. Participation in any organised competition involving any Special Sports and Activities or Winter Sports unless Telephone: 0844 338 5799 or
agreed by Us in writing. email on : quality@[Link].
17. Any claims under the optional golf cover section unless the appropriate golf extension premium required has been
paid. If We cannot give You a final decision by four weeks from the day We receive your complaint We will explain why and tell
18. Any claims under the business cover section unless the appropriate business extension You when We hope to reach a decision.
premium required has been paid.
19. You fighting except in self-defence. Our decision is final and based on the evidence presented. If You feel that there is any new evidence or information that
20. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that may change Our decision You have the right to make an appeal.
this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from,
or in connection with any of the following regardless of any other cause or event contributing concurrently or in any If You are not satisfied with the results of Our investigation You have the right to refer Your complaint to an independent
other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of authority for consideration. That authority is the Financial Ombudsman Service (FOS) at :
an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; South Quay Plaza, 183 Marsh Wall, London, E14 9SR
riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion
assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; Telephone : 0845 080 1800
release of weapons of mass destruction that do not involve an explosive sequence; murder or assault
subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality Please note that if You wish to refer this matter to the FOS You must do so within 6 months of the date of Our final
of the Insured Person whether war be declared with that state or not; terrorist activity. For the purpose of this descision. You must have completed the Complaints Procedure before the FOS will consider Your case.
exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political,
religious, ideological or similar purposes with the intention to influence any government and/or to put the public,
or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence CANCELLATION PROVISIONS
and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf Right to return the insurance document Unless Your Trip will be completed within 14 days of buying this insurance, you
of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions,
whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in whichever is later. We will refund to you any premium you have paid and will recover from you any payments we have
controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion made.
is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not Cancellation by the Insured Person If You subsequently give notice in writing or by telephone to Us to cancel this policy
apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 13 (Personal Accident). such cancellation shall take effect on the date the notice is received or on the date specified in the notice, whichever is
21. You travelling to a country or specific area or event to which the Foreign and Commonwealth Office has advised the Later. If the notice of cancellation is received within the 14 day Cooling-Off Period the premium will be refunded in
persons not to travel. full less any sum that We have paid in respect of any claims made. If the notice of cancellation is received outside the
22. Loss or destruction or damage or any expense whatsoever resulting from: ionising radiation or contamination by 14 day Cooling-Off Period and You have not made a claim or sought assistance under this policy then You will be entitled
radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or to a pro rata refund of premium in accord with the remaining term of the policy less an administration fee.
other hazardous properties of any explosive nuclear assembly or nuclear component thereof. Cancellation by Us We may give 7 days notice of cancellation of this policy by recorded delivery letter to You at Your last
23. Delay, loss, damage or injury, directly or indirectly caused by the actual or potential inability of any computer, data known address.
processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored Premium position upon cancellation by Us, or in respect of an Annual Multi-trip policy following the death of the
programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect Insured Person (except when the subject of a claim occurring in the course of a Trip):
of or beyond that date or correctly operate as a result of a computer virus - except under Section 2 (Medical If premium has been paid for any period beyond the date of cancellation of this insurance, the relevant pro-rata
Emergency & Repatriation), and Section 13 (Personal Accident). Computer viruses include any program or portion of this premium will be refunded to You or Your estate.
software, which prevents any operating system, computer program or software working properly or at all. If however an incident has arisen during the Period of Insurance which has or will give rise to a claim, then no
24. Delay, loss, damage or injury, directly or indirectly caused by the actual or potential inability of any computer, data refund will be made.
processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored Effective time of cancellation This policy shall cease at 00.01 hours Greenwich Mean Time on the day following the last
programme to correctly operate as a result of a computer virus - except under Section 2 (Medical Emergency & day of the Period of Insurance for which premium has been paid.
Repatriation), and Section 13 (Personal Accident). Computer viruses include any program or software, which
prevents any operating system, computer program or software working properly or at all.
25. Any claim when You have not paid the appropriate premium for the number of days comprising Your planned Trip.
If You travel for more than the number of days for which You have paid for cover, You will not be covered after the
last day for which You have paid.
26. Loss of any kind arising from the provision of, or any delay in providing, the services to which this policy relates,
unless negligence on Our part can be demonstrated.
Your EA Travel Insurance. Page 11 of 12

DATA PROTECTION ACT 1998 NOTICE

We collect and maintain personal information in order to underwrite and administer the policies of insurance that We
issue. All personal information is treated with the utmost confidentiality and with appropriate levels of security. We will
not keep Your information longer than is necessary.

Your information will be protected from accidental or unauthorised disclosure. We will only reveal Your information if it
is allowed by law, authorised by You, to prevent fraud or in order that We can liaise with Our agents in the administration
of this policy.

Under the terms of the Act You have the right to ask for a copy of any information We hold on You upon payment of an
administrative fee and to require a correction of any incorrect information held. Any inaccurate or misleading data will
be corrected as soon as possible.

The above principles apply whether We hold Your information on paper or in electronic form.

Enquiries in relation to data held by Europ Assistance Holdings Limited should be directed to the Customer Contact
Centre Manager, Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex
RH16 1DN.

TRAVEL CHECKLIST
Before You travel, You should ask yourself the following:

• Do you intend to engage in any Special Sports & Activities or Winter Sports whilst on
Your Trip?
• Do You intend to engage in any Winter Sports whilst on Your Trip?
• Do You require Golf Equipment cover?
• Do You require Business Equipment cover?

If You have answered ‘Yes’ to any of these questions, or want to check anything before You travel, You should contact
Our Travel Helpline on 0844 482 0662.

IF YOU ARE DEAF OR HARD OF HEARING

The following number is available for deaf, hard of hearing and speech impaired customers who have access to a
minicom telephone: 01444 450389.

CONTACT NUMBERS
IN AN EMERGENCY, FIRST CHECK THAT THE CIRCUMSTANCES ARE COVERED BY THIS POLICY. HAVING DONE THIS
TELEPHONE EUROP ASSISTANCE STATING YOUR NAME AND POLICY NUMBER.
Please quote the correct reference number below relating to the Insurance Policy You have purchased:
For Single Trip policies, please quote 09IST
For Annual Multi-Trip policies, please quote 09ISA
For Extended Stay policies, please quote 09ISE.

Helpline Number
Travel Helpline 0844 482 0662
Medical Emergency & Repatriation 00 44 (0) 844 338 6222 or 00 44 (0) 1444 442719
Fax: 00 44 (0) 1444 410102
Medical Emergency (Spain and the Balearic Islands) 00 44 (0) 1444 442077
Fax: 00 44 (0) 1444 410102
Travel Insurance Claims and Cancellation 0844 338 6224
Medical Referral Abroad (Non-emergency) 00 44 (0) 844 338 6222 or 00 44 (0) 1444 442719
Fax: 00 44 (0) 1444 410102
Legal Advice & Legal Expenses Claims 0844 338 6223
Curtailment 00 44 (0) 844 338 6222 or 00 44 (0) 1444 442719
Fax: 00 44 (0) 1444 410102
Additional Accommodation & Travelling Costs 00 44 (0) 844 338 6222 or 00 44 (0) 1444 442719
Fax: 00 44 (0) 1444 410102

To ensure We are consistent in providing Our customers with quality service, We may record Your telephone call.

[Link]
Your EA Travel Insurance. Page 12 of 12

SUMMARY OF COVER SUMMARY OF COVER

Cover (per person unless Economy Cover Excess Double Standard Cover Excess Double Cover (per person unless Premier Cover Excess Double Extended Stay Excess Double
otherwise shown) (Single Trip and Annual Excess (Single Trip and Annual Excess otherwise shown) (Single Trip and Annual Excess Up to Excess
policies only) Up to policies only) Up to policies only) Up to
Personal Assistance Services £250 per Trip Nil Nil £250 per Trip Nil Nil Personal Assistance Services £250 per Trip Nil Nil £250 per Trip Nil Nil
Medical Emergency & Repatriation £5,000,000 £100 £200 £7,500,000 £100 £200 Medical Emergency & Repatriation £10,000,000 £50 £100 £7,500,000 £100 £200
Emergency Dental Treatment £350 £100 £200 £350 £100 £200 Emergency Dental Treatment £500 £50 £100 £350 £100 £200
Additional Accommodation & Additional Accommodation &
£2,000 Nil Nil £2,000 Nil Nil £2,000 Nil Nil £2,000 Nil Nil
Travelling Costs Travelling Costs
Hospital Daily Benefit £25 per complete 24 hours Hospital Daily Benefit £25 per complete 24 hours £25 per complete 24 hours
Nil Nil Nil of inpatient treatment: Nil Nil of inpatient treatment: Nil Nil of inpatient treatment: Nil Nil
maximum £100 maximum £300 maximum £100
Cancellation and Curtailment £100 (£20 £200 (£40 £100 (£20 £200 (£40 Cancellation and Curtailment £50 (£20 £100 (£40 £100 (£20 £200 (£40
£500 loss of loss of £2,000 loss of loss of £5,000 loss of loss of £2,000 loss of loss of
deposit) deposit) deposit) deposit) deposit) deposit) deposit) deposit)
Travel Delay Travel Delay
• Delay Nil Nil Nil • £20 for the first full 12 Nil Nil • Delay • £20 for the first full 12 Nil Nil • £20 for the first full 12 Nil Nil
hours delay then £10 for hours delay then £10 for hours delay then £10 for
each subsequent full 12 each subsequent full 12 each subsequent full 12
hours: maximum £300 hours: maximum £300 hours: maximum £300
• Abandonment Nil Nil Nil • £2,000 £100 (£20 £200 (£40 • Abandonment • £5,000 £50 (£20 £100 (£40 • £2,000 £100 (£20 £200 (£40
loss of loss of loss of loss of loss of loss of
deposit) deposit) deposit) deposit) deposit) deposit)
• Transport Cancellation Nil Nil Nil • £500 Nil Nil • Transport Cancellation • £1,500 Nil • £500 Nil Nil
Missed Departure on Your Outward Missed Departure on Your Outward
Nil Nil Nil £800 £75 £150 £1,000 £50 £100 £800 £100 £200
Journey Journey
Personal Luggage £200 £100 £200 £1,500 £75 £150 Personal Luggage £2,000 £50 £100 £1,500 £100 £200
• Single Article Limit (Limited to £100 £100 £200 £150 £75 £150 • Single Article Limit (Limited to £75 £200 £50 £100 £150 £100 £200
£75 if Insured Person is under 18) if Insured Person is under 18)
• Valuables (Limited to £75 if £100 £100 £200 £150 £75 £150 • Valuables (Limited to £75 if £200 £50 £100 £150 £100 £200
Insured Person is under 18) Insured Person is under 18)
Luggage Delay on your £50 for the first full 24 Luggage Delay on your £50 for the first full 24 £50 for the first full 24
Outward Journey Nil Nil Nil hours, then £50 for each Nil Nil Outward Journey hours, then £50 for each Nil Nil hours, then £50 for each Nil Nil
subsequent full 24 hours: subsequent full 24 hours: subsequent full 24 hours:
maximum £100 maximum £150 maximum £100
Personal Money £100 £100 £200 £350 £75 £150 Personal Money £500 £50 £100 £350 £100 £200
• Cash Limit £100 £100 £200 £150 £75 £150 • Cash Limit £200 £50 £100 £150 £100 £200
• Cash Limit (aged under 18) £50 £100 £200 £50 £75 £150 • Cash Limit (aged under 18) £50 £50 £100 £50 £100 £200
Passport & Travel Documents Nil Nil Nil £200 Nil Nil Passport & Travel Documents £200 Nil Nil £200 Nil Nil
(Limited to £100 if Insured Person (Limited to £100 if Insured Person
is under 18) is under 18)
Personal Liability £2,000,000 per policy £100 £200 £2,000,000 per policy £75 £150 Personal Liability £2,000,000 per policy £50 £100 £2,000,000 per policy £100 £200
Personal Accident Personal Accident
• Permanent Total Disablement £10,000 Nil Nil £25,000 Nil Nil • Permanent Total Disablement £50,000 Nil Nil £25,000 Nil Nil
• Loss of one or more Limbs, or • Loss of one or more Limbs, or
total and irrecoverable Loss of £10,000 Nil Nil £25,000 Nil Nil total and irrecoverable Loss of £50,000 Nil Nil £25,000 Nil Nil
Sight in one or both eyes Sight in one or both eyes
• Death Benefit (aged 18-65) £5,000 Nil Nil £5,000 Nil Nil • Death Benefit (aged 18-65) £5,000 Nil Nil £5,000 Nil Nil
• Death Benefit (aged under 18) £1,000 Nil Nil £1,000 Nil Nil • Death Benefit (aged under 18) £1,000 Nil Nil £1,000 Nil Nil
• All Benefits (aged 66 and over) £1,000 Nil Nil £1,000 Nil Nil • All Benefits (aged 66 and over) £1,000 Nil Nil Nil Nil Nil
Legal Protection £10,000 per policy £100 £200 £15,000 per policy £75 £150 Legal Protection £50,000 per policy £50 £100 £15,000 per policy £100 £200
Withdrawal of Services Nil Nil Nil £500 Nil Nil Withdrawal of Services £750 Nil Nil £500 Nil Nil
Catastrophe Nil Nil Nil £1,000 Nil Nil Catastrophe £1,500 Nil Nil £1,000 Nil Nil
Pet Care £20 per complete Pet Care £20 per complete £20 per complete
Nil Nil Nil Nil Nil Nil Nil Nil
24 hours: maximum £200 24 hours: maximum £300 24 hours: maximum £200
Hijack £50 per complete Hijack £50 per complete £50 per complete
Nil Nil Nil Nil Nil Nil Nil Nil
24 hours: maximum £350 24 hours: maximum £500 24 hours: maximum £350
Optional Winter Sports Cover Optional Winter Sports Cover
• Ski Equipment £350 £75 £150 £350 £75 £150 • Ski Equipment £1,000 £50 £100 Nil Nil Nil
• Single Article Limit (owned) £350 £75 £150 £350 £75 £150 • Single Article Limit (owned) £1,000 £50 £100 Nil Nil Nil
• Single Article Limit (hired) £200 £75 £150 £200 £75 £150 • Single Article Limit (hired) £500 £50 £100 Nil Nil Nil
• Ski Pass £75 per complete £75 £150 £75 per complete £75 £150 • Ski Pass £75 per complete £50 £100 Nil Nil Nil
24 hours: maximum £300 24 hours: maximum £300 24 hours: maximum £450
• Piste Closure £20 per complete Nil Nil £20 per complete Nil Nil • Piste Closure £20 per complete Nil Nil Nil Nil Nil
24 hours: maximum £200 24 hours: maximum £200 24 hours: maximum £300
• Avalanche Cover £20 per complete Nil Nil £20 per complete Nil Nil • Avalanche Cover £20 per complete Nil Nil Nil Nil Nil
24 hours: maximum £200 24 hours: maximum £200 24 hours: maximum £300
• Ski Hire £20 per complete Nil Nil £20 per complete Nil Nil • Ski Hire £20 per complete Nil Nil Nil Nil Nil
24 hours: maximum £200 24 hours: maximum £200 24 hours: maximum £300
Optional Golf Cover the following sections apply where the appropriate insurance premium has been paid Optional Golf Cover the following sections apply where the appropriate insurance premium has been paid
• Golf Equipment Nil Nil Nil £1,000 £75 £150 • Golf Equipment £1,500 £50 £100 Nil Nil Nil
• Single Article Limit Nil Nil Nil £500 £75 £150 • Single Article Limit £500 £50 £100 Nil Nil Nil
• Golf Equipment Hire Nil Nil Nil £20 per complete Nil Nil • Golf Equipment Hire £25 per complete Nil Nil Nil Nil Nil
24 hours: maximum £100 24 hours: maximum £150
• Hole In One Cover Nil Nil Nil £100 £75 £150 • Hole In One Cover £100 £50 £100 Nil Nil Nil
Optional Business Travel Cover the following sections apply where the appropriate insurance premium has been paid Optional Business Travel Cover the following sections apply where the appropriate insurance premium has been paid
• Business Equipment Nil Nil Nil £1,000 £75 £150 • Business Equipment £1,000 £50 £100 Nil Nil Nil
• Single Article Limit Nil Nil Nil £500 £75 £150 • Single Article Limit £500 £50 £100 Nil Nil Nil
• Business Samples Nil Nil Nil £500 £75 £150 • Business Samples £500 £50 £100 Nil Nil Nil
• Computer Equipment Limit Nil Nil Nil £1,000 £75 £150 • Computer Equipment Limit £1,000 £50 £100 Nil Nil Nil
• Business Equipment Delay Nil Nil Nil £150 Nil Nil • Business Equipment Delay £200 Nil Nil Nil Nil Nil
• Business Equipment Hire Nil Nil Nil £30 per complete Nil Nil • Business Equipment Hire £50 per complete Nil Nil Nil Nil Nil
24 hours: maximum £300 24 hours: maximum £500
• Business Money Nil Nil Nil £1,000 £75 £150 • Business Money £1,000 £50 £100 Nil Nil Nil
• Cash Limit Nil Nil Nil £500 £75 £150 • Cash Limit £500 £50 £100 Nil Nil Nil
• Emergency Courier Expenses Nil Nil Nil £100 £75 £150 • Emergency Courier Expenses £200 £50 £100 Nil Nil Nil
• Replacement Employee Nil Nil Nil £1,000 £75 £150 • Replacement Employee £1,500 £50 £100 Nil Nil Nil

Insurefor/EA/2009 09IST, 09ISA & 09ISE