BUPA Gold TravelCover

Section 2 - Medical Emergency and Other
Related Expenses
This section of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer a bodily injury, illness or die while on a trip we will pay the cost of:
2.1 reasonable and necessary emergency medical and surgical treatment in the nearest suitable hospital.
The most we will pay for any one claim for each person insured per trip under the policy is Bronze Cover £2,000,000, Silver Cover £5,000,000 or Gold Cover £10,000,000.
2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.
2.3 additional travelling costs when our Senior Medical Officer recommends that you must return to your country of departure including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner accompanying you if you need to return to your country of departure for treatment on the advice of our Senior Medical Officer.
2.5 emergency dental treatment for the immediate relief of pain. The most we will pay for any one claim for each person insured per trip under the policy is £1,000.
2.6 the additional travelling and accommodation costs for one person to come and stay with you and/or accompany you home if this is recommended by a medical practitioner.
2.7 a competent adult of our choice to accompany any of your children insured under this policy home and any of their additional travelling costs, if your bodily injury, illness or death means that there is no one else to look after them. The most we will pay for any one claim per trip is £750.
What is not covered:
a) The excess.
b) Costs of more than £500 which we have not agreed in advance.
c) Any treatment that was pre-planned or pre-known by you.
d) Treatment costs for cosmetic reasons.
e) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
f) The cost of any treatment when you have been told by a medical practitioner that the treatment can safely be delayed until your return home.
g) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
h) Costs incurred in the United Kingdom area other than the cost of transporting you or the body or ashes of anyone insured under this policy to your home.
i) Any travelling or accommodation costs where we have not arranged the transportation.
j) The cost of dental treatment for cosmetic reasons only.
k) The cost of dental treatment involving the provision of dentures, artificial teeth or the use of precious metals.
l) In respect of section 2.7, children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6 and 2.7, any air travel costs above a return economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.

Section 4 - Personal Accident
This section of the policy sets out the cover we provide if you have an accident during a trip.
Words with special meanings applying to this section
Loss of limb(s)
In the case of an upper limb:
- An entire hand or arm being permanently severed; In the case of a lower limb:
- The limb being severed permanently at or above the ankle.
Loss of sight
Permanent and total loss of sight which shall be considered as having occurred in both eyes if the insured persons name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist. In one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.
Permanent Total Disablement
A disability which entirely prevents you from attending to business or occupations of any and every kind, which exists for 12 months after the date of the incident and is beyond hope of improvement.
What is covered:
If you suffer disablement, permanent total disablement or die as a result of an accidental bodily injury during a trip, which within 12 months from the date of the incident is the sole cause of either death or disablement, we will pay £10,000 if you have chosen Bronze or Silver Cover, or £15,000 if you have chosen Gold Cover:
- for the loss of one or more limbs or the total and irrecoverable loss of all sight in one or both eyes
- for permanent total disablement
- £5,000 for death
The most we will pay for any one claim in total is £10,000 if you have Bronze or Silver Cover, or £15,000 if you have chosen Gold Cover, per person insured under this policy or £1,000 for the death of any person aged under 18 years old.
What is not covered:
a) Any claim related directly or indirectly to any disease, physical defect, infirmity or illness which existed before the start of the trip.
b) Any claim related directly or indirectly to pregnancy within 10 weeks of the estimated date of delivery.

Section 2 - Medical Emergency and Other
Related Expenses
This section of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer a bodily injury, illness or die while on a trip we will pay the cost of:
2.5 emergency dental treatment for the immediate relief of pain. The most we will pay for any one claim for each person insured per trip under the policy is £1,000.

Section 2 - Medical Emergency and Other
Related Expenses
This section of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer a bodily injury, illness or die while on a trip we will pay the cost of:
2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.

Section 2 - Medical Emergency and Other
Related Expenses
This section of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer a bodily injury, illness or die while on a trip we will pay the cost of:
2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.

Section 9 - Money, Passport and travel documents
This section of the policy sets out the cover we provide for your money, passport and travel documents.
What is covered:
9.1 Your money is covered if it is:
- lost or damaged;
- stolen;
- destroyed
while you are carrying it on your person or if you have left it in a safety deposit box during a trip.
The most we will pay in total for any one claim is £200 if you have chosen Bronze Cover or Silver Cover, or £500 if you have chosen Gold Cover, for each person insured under the policy per trip of which:
The most we will pay for any one claim for cash is £100 for each person insured under the policy or the amount allowed in the current United Kingdom currency regulations whichever is less.
The most we will pay for any one claim for cash belonging to any person insured under the policy who is under 18 years old is £50 per trip.
9.2 The cost of reasonable additional travel and accommodation expenses you incur abroad while obtaining a replacement passport or travel documents if your passport or travel documents are lost or stolen outside your country of departure during a trip.
The most we will pay for any one claim is £200 if you have chosen Bronze Cover or Silver Cover, or £300 if you have chosen Gold Cover, for each person insured under the policy per trip.
What is not covered:
a) The excess.
b) The theft or loss of your money passport or travel documents which has not been reported to the local police or your carrier within 24 hours of the incident.
The incident report must be sent to us with your claim.
c) Loss of value or loss due to incorrect receipts, payments, accountancy or depreciation.
d) Loss due to confiscation or detention by customs or other lawful officials and authorities.
e) Loss, damage, theft or destruction of money which was not being carried by you or was not left in a safety deposit box.

Section 3 - Legal protection
We will provide telephone guidance and assistance on any legal problem which arises in connection with a trip. This service operates from the start of a trip until 7 days after completion of the trip.
What is covered:
The insurer will insure you for:
Legal expenses up to the following amount to claim compensation or damages if you are injured or if you die as a direct result of an accident that happens during the trip.
Bronze Cover £10,000, Silver Cover £25,000 or Gold Cover £25,000.
An overall maximum of twice the limit shown in your schedule for all claims made by insured persons as a direct result of the same accident.
Any extra travelling expenses up to a maximum of £250 per person if you have to attend a court abroad about your claim for compensation.
What is not covered:
The excess.
The insurer will not cover any claim:
a) For legal expenses which we have not agreed to beforehand in writing.
b) Reported to us more than 90 days after the incident.
c) Where we think there is not a reasonable chance of you winning the case or achieving a reasonable outcome.
d) Where a reasonable estimate of your total legal expenses is greater than the compensation or damages that you are claiming.
e) Where you are injured or die as a result of taking part in hazardous sports or activities.
f) For damages or fines you have to pay.
g) In connection with a trip solely within the United Kingdom area.
h) Made by you against us or FirstAssist Services Limited.
i) For any costs relating to a claim or counterclaim made against you.
j) Any legal expenses which are dependent upon the successful outcome of the case.
k) Made against someone that you were travelling with or another person insured under this policy.
How we settle claims under this section
You must keep to the conditions on this page, and on page 24.
If anything happens which might lead to a legal expenses claim, you must tell us immediately by filling in a claim form, giving us a full and truthful account of the details of your claim. You must give us any information we request.
We will give you our agreement if:
- we think you have a reasonable chance of winning your case and achieving a reasonable outcome; and
- we think it is reasonable to pay your legal expenses.
If we do not accept your claim we will tell you why.
Arbitration
If there is a dispute between you and us about this section of the policy, it can be taken to an independent arbitrator.
The arbitrator will be a solicitor or barrister whom you and we agree to. If we cannot agree with you on an arbitrator, the President of the Law Society (or similar organisation) will choose an arbitrator.
The side that loses the arbitration will pay the costs of the arbitration. If the decision is not totally in the favour of one side, the arbitrator will decide who pays the costs.
If you lose or are asked to pay a share of the costs, those costs will not be covered under this policy.
Representation
When an incident happens outside of the European Union, we will appoint and control the legal representative.
If your representative wants to consult a barrister we will agree if we think it is reasonable. You must give us the name of the barrister and the reasons why you need one.
Settlement
We may take over and continue in your name all legal action if the dispute is for an amount which is less than £1,000 or if the dispute could be dealt with by the Small Claims Court.
In these circumstances, we may carry out our own investigation and try to settle your dispute.
You must agree to a settlement which is reasonable.
You must tell us if an offer is made to settle the dispute.
You must not negotiate or agree to settle the dispute without having our agreement beforehand. If you do not accept a reasonable offer to settle the dispute, we may not continue to support your claim.
Co-operation
We must be able to contact your representative. You and your representative must co-operate with us and tell us about developments to do with your case. We must be able to have access to your representatives files if we request them.
Payment of Bills
You must send all bills for the representatives legal expenses as soon as you receive them. You must confirm to us that any charges you have to pay for the representatives handling this dispute are acceptable and that we may pay the bill for you.
Recovery
You and your representative must take every step to recover legal expenses. You must pay any recovered legal expenses to your representative who must then refund any legal expenses which we have paid or which we are due to pay.
If, during the claim, we think that Exclusion (c) may apply, we may not continue to support your legal proceedings. If we pay legal expenses up to the maximum of any one claim and you pay more legal expenses to end your case, we and you will share any legal expenses that are covered. We and you will each receive the same percentage as was paid.

Section 9 - Money, Passport and travel documents
This section of the policy sets out the cover we provide for your money, passport and travel documents.
What is covered:
9.1 Your money is covered if it is:
- lost or damaged;
- stolen;
- destroyed
while you are carrying it on your person or if you have left it in a safety deposit box during a trip.
The most we will pay in total for any one claim is £200 if you have chosen Bronze Cover or Silver Cover, or £500 if you have chosen Gold Cover, for each person insured under the policy per trip of which:
The most we will pay for any one claim for cash is £100 for each person insured under the policy or the amount allowed in the current United Kingdom currency regulations whichever is less.
The most we will pay for any one claim for cash belonging to any person insured under the policy who is under 18 years old is £50 per trip.
9.2 The cost of reasonable additional travel and accommodation expenses you incur abroad while obtaining a replacement passport or travel documents if your passport or travel documents are lost or stolen
outside your country of departure during a trip.
The most we will pay for any one claim is £200 if you have chosen Bronze Cover or Silver Cover, or £300 if you have chosen Gold Cover, for each person insured under the policy per trip.
What is not covered:
a) The excess.
b) The theft or loss of your money passport or travel documents which has not been reported to the local police or your carrier within 24 hours of the incident.
The incident report must be sent to us with your claim.
c) Loss of value or loss due to incorrect receipts, payments, accountancy or depreciation.
d) Loss due to confiscation or detention by customs or other lawful officials and authorities.
e) Loss, damage, theft or destruction of money which was not being carried by you or was not left in a safety deposit box.

Section 12 - Mugging Benefit
This section of the policy sets out the benefit we provide if you are mugged.
What is covered:
If you are mugged and, as a result of their injuries received from the mugging, is admitted as an in-patient to a hospital abroad, we will pay:
- £50 per day per complete period of 24 hours you are in hospital.
The most we will pay for each person insured under the policy is £500 per trip.
What is not covered:
Any claim if you have not obtained a police report of the mugging and confirmation of your injuries and period of inpatient treatment from the hospital.

Section 14 - Hijack
This section does not apply if you have chosen Bronze Cover. This section of the policy sets out the benefit we will pay in the event of a hijack.
Words with special meanings applying to this section Hijack means unlawful seizure of the aircraft or other public transport vehicle in which an insured person is travelling.
What is covered:
In the event that you are prevented from reaching your scheduled destination through hijack of the aircraft or other vehicle in which you are travelling.
- £50 per day per complete 24 hours you are incarcerated.
The most we will pay for each person insured under the policy per trip is £500.

If you have chosen and paid for winter sports cover:
7.2 Loss or theft of or damage to skis, bindings and ski equipment which belongs to you or has been hired to you.
The most we will pay for any one claim is £500 for each person insured under the policy per trip.

If you have chosen and paid for winter sports cover:
7.2 Loss or theft of or damage to skis, bindings and ski equipment which belongs to you or has been hired to you.
The most we will pay for any one claim is £500 for each person insured under the policy per trip.

If you have chosen and paid for winter sports cover:
7.2 Loss or theft of or damage to skis, bindings and ski equipment which belongs to you or has been hired to you.
The most we will pay for any one claim is £500 for each person insured under the policy per trip.

6.3 Charges for unused ski-pack if, during your trip, a medical practitioner at the ski resort certifies that you are unable to ski as the direct result of an injury or sudden and unforeseen illness.
The most we will pay for any one claim for each person insured under the policy is a proportional refund equivalent to the amount you have already paid for the ski-pack but are now unable to use.

6.2 Reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar ski resort or area to ski if, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because a lack of snow causes a total closure of the lift system.
We will pay you an equivalent cash benefit if no alternative skiing is available.
The most we will pay for any one claim is £20 per day for each person insured under the policy up to a maximum of £200 per trip.

6.2 Reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar ski resort or area to ski if, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because a lack of snow causes a total closure of the lift system.
We will pay you an equivalent cash benefit if no alternative skiing is available.
The most we will pay for any one claim is £20 per day for each person insured under the policy up to a maximum of £200 per trip.

6.2 Reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar ski resort or area to ski if, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because a lack of snow causes a total closure of the lift system.
We will pay you an equivalent cash benefit if no alternative skiing is available.
The most we will pay for any one claim is £20 per day for each person insured under the policy up to a maximum of £200 per trip.

6.1 Additional, reasonable accommodation and travel expenses you incur because your scheduled public transport service is cancelled or cut short because of an avalanche or landslide.
The most we will pay for any one claim is £30 per day for each person insured under the policy up to a maximum of £150 per trip.

The cost of hiring replacement ski equipment if your ski equipment has been lost or misplaced for more than 12 hours during the outward journey of a trip.
The most we will pay for each person insured under the policy is £15 per day up to a maximum of £300 per trip if you have chosen Silver Cover or Gold Cover.

The cost of hiring replacement ski equipment if your ski equipment has been lost or misplaced for more than 12 hours during the outward journey of a trip.
The most we will pay for each person insured under the policy is £15 per day up to a maximum of £300 per trip if you have chosen Silver Cover or Gold Cover.

Winter sports
The following winter sports are included provided you have chosen and paid for winter sports cover:
- Cross Country skiing - only on recognised paths with a qualified guide
- Land skiing
- Mono skiing on snow - Protective headgear must be worn
- Ski-doos - passenger only - no racing
- Sledging
- Snowboarding on piste with a leash
- Snow mobile - passenger only - no racing
The following activities are covered when they have been professionally organised and a qualified instructor or guide is involved provided you have chosen and paid for winter sports cover:
- Heli skiing
- Off-piste skiing
- Off-piste snowboarding with a leash
- Tobogganing

Section 2 - Medical Emergency and Other
Related Expenses
This section of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer a bodily injury, illness or die while on a trip we will pay the cost of:
2.1 reasonable and necessary emergency medical and surgical treatment in the nearest suitable hospital.
The most we will pay for any one claim for each person insured per trip under the policy is Bronze Cover £2,000,000, Silver Cover £5,000,000 or Gold Cover £10,000,000.
2.2 In the event of death:
a) transport of the body or ashes to your home or,
b) the cost of burial or cremation where death occurred abroad.
The most we will pay for any one claim for each person insured under the policy is £2,500.
2.3 additional travelling costs when our Senior Medical Officer recommends that you must return to your country of departure including the cost of a medical escort if necessary.

How we settle claims for personal baggage
If any item has been lost or damaged we will pay the cost of replacing the item as new after we have deducted an amount for wear and tear.
If the item can be repaired economically we will pay the cost of the repair only.
We will not pay for the cost of replacing or changing undamaged items or parts of items which belong to a pair or set when the loss or damage relates to a specific part or clearly defined area.
We will request receipts for goods where you are claiming for stolen or lost goods and we require reports from the local police and/or the carrier for lost or stolen personal baggage.

Section 7 - Personal baggage
This section does not apply if you have chosen Bronze Cover.
This section of the policy sets out the cover we provide for your personal baggage.
What is covered:
7.1 Your personal baggage is covered if it is:
- lost or damaged;
- stolen;
- destroyed
and not recovered during a trip.
The most we will pay for any one claim is £1,500 if you have chosen Silver Cover, or £2,500 if you have chosen Gold
Cover for each person insured under the policy of which:
- The most we will pay for any one item or any one pair or set is £250 if you have chosen Silver Cover or £750 if you have chosen Gold Cover, per trip.
- The most we will pay for valuables is, £250 if you have chosen Silver Cover, or £750 if you have chosen Gold Cover, per trip per person insured under the policy.
If you have chosen and paid for winter sports cover:
7.2 Loss or theft of or damage to skis, bindings and ski equipment which belongs to you or has been hired to you.
The most we will pay for any one claim is £500 for each person insured under the policy per trip.
What is not covered:
a) The excess.
b) contact or corneal lenses, dentures, bonds, securities stamps or documents of any kind, musical instruments, typewriters, glass, china, antiques, pictures, pedal cycles, hearing aids, coupons, computers, personal organisers, portable telephones, televisions, CD players, motorised or mechanically propelled or assisted vehicles, boats or any parts or accessories for any of them, business goods, stock or trade samples and any specialised equipment relating to your business, trade or profession.
c) Theft of personal baggage from a locked, unattended motor vehicle unless:
i) the items were locked out of sight in a secure area; and
ii) force and violence were used to get into the motor vehicle; and
iii) proof of forcible and violent entry is available.
d) Theft of valuables from an unattended motor vehicle.
e) Loss, damage or destruction by wear and tear, insects, vermin, denting, scratching, dyeing, and mechanical or electrical breakdown.
f) Confiscation or detention by customs or other official bodies.
g) Damage to any brittle or fragile items unless they are:
- damaged by fire; or
- damaged because of an accident which happens to a sea going vessel, aircraft or motor vehicle.
h) Theft or losses from a roof or boot luggage rack other than the theft or loss of camping equipment.
i) Sports equipment while in use.
j) Personal baggage when you have left it unsecured and unattended at any time in a place to which the public have access.
k) The theft or loss of personal baggage which has not been reported to the local police within 24 hours of the incident. The incident report must be sent to us with your claim.
l) Damage to personal baggage in transit which has not been reported to the carrier within 24 hours of the incident. The incident report must be sent to us with your claim.
m) Any item loaned, hired or entrusted to you.
How we settle claims for personal baggage
If any item has been lost or damaged we will pay the cost of replacing the item as new after we have deducted an amount for wear and tear.
If the item can be repaired economically we will pay the cost of the repair only.
We will not pay for the cost of replacing or changing undamaged items or parts of items which belong to a pair or set when the loss or damage relates to a specific part or clearly defined area.
We will request receipts for goods where you are claiming for stolen or lost goods and we require reports from the local police and/or the carrier for lost or stolen personal baggage.

Section 8 - Baggage delay
This section does not apply if you have chosen Bronze Cover.
This part of the policy sets out the cover we provide if your baggage is delayed.
What is covered:
8.1 The cost of buying essential items if your baggage has been lost or misplaced by the carrier for more than 12 hours during the outward journey of a trip.
The most we will pay for each person insured under the policy is £100 if you have chosen Silver Cover, or £250 if you have chosen Gold Cover, per trip.
If you have chosen and paid for winter sports cover:
What is covered:
8.2 The cost of hiring replacement ski equipment if your ski equipment has been lost or misplaced for more than 12 hours during the outward journey of a trip.
The most we will pay for each person insured under the policy is £15 per day up to a maximum of £300 per trip if you have chosen Silver Cover or Gold Cover.
How we settle claims under the Baggage delay section.
If we pay your claim under this section we will deduct the amount from the final settlement of any claim you make under Section 7 - Personal baggage if the items are lost permanently.
You must keep all your receipts from the purchase of essential items and send them to us with your claim.
You must keep all your receipts from the hire of replacement ski equipment and send them to us with your claim.
You must provide written confirmation from the carrier confirming the period of the loss of your baggage.

Section 6 - Cancellation or cutting short the trip
This section of the policy sets out the cover we provide if you need to cancel your trip or cut it short, due to one of the reasons listed below:
What is covered:
We will reimburse you if:
- you have booked and paid either in part or in full for travel and accommodation; and
- you suffer a financial loss because you cannot get a full refund if you cancel before commencement of your trip; or
you cut your trip short during the insurance period and return to your country of departure, the value of the portion of your travel and/or accommodation arrangements which have not been used and which were paid for before your departure from the United Kingdom or Channel Islands because of the following:
- Accidental injury to, or illness or death of you and/or any person with whom you are going to travel or stay with during the trip.
- The death or life threatening accidental injury or illness of a close relative living in your country of departure.
- If you or anyone with whom you are going to travel on the trip are placed in quarantine, summoned for jury service or called as a witness in a court of law.
- If you or a travelling companion are hijacked (unlawful seizure of the vehicle in which you are travelling).
- If you are made redundant and have had two years of continuous employment and your redundancy is notified to you after the issue of the policy.
- If your presence, or that of anyone with whom you are going to travel on the trip, is required following serious fire, storm or flood damage at your or their home, or place of business, within the country of departure or required by the police following burglary at your or their home, or place of business in the country of departure.
- Strike or industrial action, weather conditions or the mechanical breakdown of aircraft, sea vessel or train which delays your pre-booked (and specified on your ticket) outward flight, sea crossing or international train journey from your country of departure for more than 12 hours.
The most we will pay for each person insured under this policy is £1,000 if you have chosen Bronze Cover, £2,000 if you have chosen Silver Cover, or £5,000 if you have chosen Gold Cover, in any one insurance period.
If you have chosen and paid for winter sports cover:
What is covered:
6.1 Additional, reasonable accommodation and travel expenses you incur because your scheduled public transport service is cancelled or cut short because of an avalanche or landslide.
The most we will pay for any one claim is £30 per day for each person insured under the policy up to a maximum of £150 per trip.
6.2 Reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar ski resort or area to ski if, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because a lack of snow causes a total closure of the lift system.
We will pay you an equivalent cash benefit if no alternative skiing is available.
The most we will pay for any one claim is £20 per day for each person insured under the policy up to a maximum of £200 per trip.
6.3 Charges for unused ski-pack if, during your trip, a medical practitioner at the ski resort certifies that you are unable to ski as the direct result of an injury or sudden and unforeseen illness.
The most we will pay for any one claim for each person insured under the policy is a proportional refund equivalent to the amount you have already paid for the ski-pack but are now unable to use.
What is not covered:
These apply to only 6.1 above.
a) Any claim if you cannot ski for less than 24 hours in a row.
b) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers.
c) Any claim which involves the closure of the winter sports lift system because of avalanches or dangerous high winds.
What is not covered:
a) The excess.
b) Cancelling or cutting short your trip because of:
i) your disinclination to travel or
ii) your loss of enjoyment of the trip or
iii) reasons which are unnecessary and avoidable
iv) a pre-existing medical condition.
c) Any claim for a pre-booked trip which involves pre-planned or pre-known medical treatment.
d) Delays caused by strike or industrial action which has started or for which the start date had been announced before you made your travel arrangements for your trip.
e) Any costs incurred because you did not tell your carrier or travel agent immediately you knew that your trip was to be cancelled or cut short.
f) Delays caused by the withdrawal from service of any aircraft, sea vessel or train on the orders or recommendation of the regulatory authority in any country.
g) The failure of the provider of any service forming part of the booked trip to provide any part of the booked trip including error, insolvency, omission or default.
h) Any claim where a person insured under the policy has not checked in for their flight, sea crossing or train journey before the intended departure time or has not got written confirmation from the carrier showing the period and reason for delay.
i) Any claim because of pregnancy within 10 weeks of the estimated delivery date.
j) Any claim because of your financial circumstances other than redundancy qualifying for payment under the Employment Protection (Consolidation) Act 1978.
i.e. that the employee has 2 years continuous employment.
k) Any claim because a person who is insured under this policy, or any other person on whom the holiday plans depend has to attend a court of law unless they have been called upon for compulsory jury service or they are being called to give evidence because they are under subpoena.
l) Any claim due to the delay or amendment of the booked trip because of government action or restrictive regulations.
m) Any claim for cancellation which is not supported by a cancellation invoice provided by the trip provider or their agent.
n) The first £10 of each and every claim for each person insured for loss of deposit.
Important note
If you need to make a claim for cancellation on medical grounds you must first contact the BUPA Explorer TravelCover Claims Helpline on 020 8760 7240 who will provide a claim form which includes a certificate for you to take to your General Practitioner for completion.

Section 10 - Personal Liability
This section of the policy sets out the cover we provide for certain personal legal responsibilities you may have.
What is covered:
Your legal responsibility to pay damages and costs to others which is the result of:
10.1 accidental death or physical injury to anyone during a trip; and/or
10.2 accidental loss of or damage to property during a trip.
The most we will pay for any single event occurring during the insurance period is £1,000,000 if you have chosen Bronze Cover, £1,500,000 if you have chosen Silver Cover or £2,000,000 if you have chosen Gold Cover in total for each person insured under the policy per trip.
If you die, this cover is transferred to your legal personal representative provided that the representative follows the terms and conditions of the policy as far as they can.
What is not covered:
a) The excess.
b) Accidental death of or physical injury to you or any of your family.
c) Anything belonging to you, or anything the responsibility of you or any of your family or anyone employed by you or any of your family or anyone living with you.
d) Any responsibility resulting from your employment, trade, profession, business or gainful occupation or the trade, business, profession or gainful employment of any of your family.
e) Any responsibility as an employer to anyone employed by you or any of your family in any trade, business or profession.
f) Any agreement or contract which adds any responsibility which would not have existed otherwise.
g) Any responsibility resulting from your or any of your family owning or using:
aircraft, horse-drawn vehicles, motorised or mechanically propelled, assisted vehicles or towed vehicles, boats (other than rowing boats, punts and canoes), jet skis, jet bikes or wet bikes, animals (other than horses, domestic dogs or cats), firearms (other than sporting guns).
h) Any responsibility resulting from wilful or malicious acts by you.
i) Accidental injury or loss which has not been caused by your negligence.
k) Any claim for personal legal responsibility which is covered by any other insurance held by you.
l) The occupation, except temporarily for the purposes of the trip, or ownership of any land or building.

Section 13 - Catastrophe Cover
This section does not apply if you have chosen Bronze Cover.
This section of the policy sets out the cover we provide in the event of a catastrophe.
Words with special meanings applying to this section Catastrophe means fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local government directive.
What is covered:
- Additional costs you have to pay for travel or accommodation (which is irrecoverable) necessarily incurred to continue with the trip or in the event that the trip cannot be continued, to return you to your country of
departure, as a direct result of a catastrophe that forces you to move from your pre-booked and pre-paid accommodation during your trip abroad.
The most we will pay for each person insured under this policy per trip is £500.
What is not covered:
- Any claim if you have not obtained, in writing a report from a local or national authority confirming the catastrophe. This report must be sent to us with your claim.
- Any cost or expense payable by or recoverable from the tour operator, airline, hotel or other provider of services.
- Any claim if you have not obtained, in writing a letter from the hotel, tour operators representative or accommodation manager confirming that you were forced to vacate your pre-booked and pre-paid accommodation.

Section I - Assistance Cover
1.1 Pre Travel Assistance
This part of the policy explains the services we provide before you travel and is available by calling 020 8763 3115. We will provide you with advice and information before you travel on:
- current visa and/or entry permit requirements. (If your passport was not issued in the United Kingdom area, we may refer you to the United Kingdom embassy or Consulate of that country.)
- current inoculation and vaccination requirements.
We can also help you arrange inoculations or vaccinations in the United Kingdom area.
We will not pay for the cost of vaccinations or inoculations.
- current World Health Organisation warnings.
- weather conditions.
- languages.
- time zones and differences.
- motoring regulations and restrictions including whether you will need a Green Card.
- other motoring insurance issues.
- main bank opening hours, national or bank holidays.

Policy exclusions
These exclusions apply to all the sections of your policy.
What is not covered:
1. Any person insured under this policy if they knew that they:
a) had a pre-existing medical condition(s); or had been prescribed any medication in the last 12 months; or
b) had attended hospital in the last 12 months or anticipate any treatment or tests in the future or
c) are on a waiting list for in-patient or day patient treatment; or
d) had made a medical claim or a medically related claim in the 3 years before the start of this policy or the 12 months before the renewal of this policy;
2. Anyone aged over 35 years unless we have specifically accepted cover, the appropriate premium has been paid and your policy endorsed.
3. Any loss or damage caused by an act deliberately carried out by you.
4. For loss, damage or treatment, if you have put yourself in danger, except if you are trying to save another human life.
5. Any claim which results from you:
- committing or attempting suicide;
- developing psychiatric, mental or nervous condition(s);
- deliberately injuring yourself;
- being an alcoholic;
- being addicted to drugs or abusing solvents or being under the influence of drugs or alcohol.
6. Air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft).
7. Any claim or expense of any kind caused directly or indirectly by sexually transmitted diseases.
8. Any claim or expense of any kind directly or indirectly caused by, contributed to or arising from: Human Immunodeficiency Virus Infection (HIV) and/or Acquired Immunodeficiency Syndrome (AIDS) and/or any form or variation of HIV or AIDS, however caused.
9. Any claim resulting from you taking part in manual work.
10. Any claim if you have been taking part in: American football, big game hunting, BMX riding, boxing, canyoning, cave diving, flying, gliding, hang gliding, high diving, hockey, ice hockey, judo, karate, kite land
boarding, kite surfing, lacrosse, motor sport of any kind, mountain biking, mountaineering, parachuting, polo, pot holing, quad biking, rock climbing, rugby union/league, scuba diving over 30 metres, shooting/hunting, sky diving, street hockey, weight lifting, any professional sport(s), racing, speed or endurance tests or practising for such events (other than athletics), or any form of organised team sport.
11. Hazardous pursuits (Please see Policy information - Activities covered by this policy.)
12. Motorcycling as a rider or passenger on any motorcycle or moped, each under 50cc, unless wearing a helmet and unless the rider is a holder of a full UK motorcycle licence.
13. Any claim if you have been taking part in winter sports unless the appropriate additional premium has been paid.
14. Any claim where you have been taking part in: ski racing, ski-jumping, ski acrobatics, snow boarding without a leash, off-piste skiing not accompanied by a qualified guide or qualified instructor, ice hockey, the use of bobsleighs, skeletons or luge.
15. Any claim or expense of any kind, directly or indirectly caused by:
a) war, riot, invasion, revolution, terrorist activity, rebellion or civil commotion;
b) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
c) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
d) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.
16. Any loss which happens after we have provided services of any kind to you or for any loss which happens following any delay, on our part, in providing services to you unless negligence on our part can be proved.
17. Any claim in connection with any trip which you make solely within the United Kingdom area.
18. Any costs you would have expected or would have been required to pay, if the event resulting in the claim had not happened.
19. Travel to areas where, at the time of booking the trip or thereafter but before you travel, the Foreign & Commonwealth Office has advised against travel to.
If you are unsure please contact them on 0207 008 0232/0233 or www.fco.gov.uk/knowbeforeyougo.
20. Date change and computer viruses exclusion applicable to all sections of the policy except Medical emergency and other related expenses, Personal accident and Legal protection. This insurance does not cover direct or indirect loss or damage caused:
- to, or by, equipment (whether you own it or not) failing, or being unable, correctly to recognise data representing any date in such a way that it does not work properly or at all,
- by the fear of equipment (whether you own it or not) failing, or being unable, correctly to recognise data representing any date in such a way that it does not work properly or at all,
- by computer viruses.
Equipment includes computers and anything else which has a microchip in it. Computers will include hardware, software, data, electronic data processing equipment and other computing and electronic
equipment linked to a computer. Microchips include integrated circuits and microcontrollers. Computer viruses include any program or software which prevents any operating system, computer program or software working properly or at all.

Policy exclusions
These exclusions apply to all the sections of your policy.
What is not covered:
15. Any claim or expense of any kind, directly or indirectly caused by:
a) war, riot, invasion, revolution, terrorist activity, rebellion or civil commotion;
b) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
c) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
d) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.

Policy exclusions
These exclusions apply to all the sections of your policy.
What is not covered:
15. Any claim or expense of any kind, directly or indirectly caused by:
a) war, riot, invasion, revolution, terrorist activity, rebellion or civil commotion;
b) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
c) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
d) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.

These exclusions apply to all the sections of your policy.
What is not covered:
20. Date change and computer viruses exclusion applicable to all sections of the policy except Medical emergency and other related expenses, Personal accident and Legal protection.
This insurance does not cover direct or indirect loss or damage caused:
- to, or by, equipment (whether you own it or not) failing, or being unable, correctly to recognise data representing any date in such a way that it does not work properly or at all,
- by the fear of equipment (whether you own it or not) failing, or being unable, correctly to recognise data representing any date in such a way that it does not work properly or at all,
- by computer viruses.
Equipment includes computers and anything else which has a microchip in it. Computers will include hardware, software, data, electronic data processing equipment and other computing and electronic equipment linked to a computer. Microchips include integrated circuits and microcontrollers. Computer viruses include any program or software which prevents any operating system, computer program or software working properly or at all.

Conditions
These are the conditions of the insurance you will need to meet as your part of this contract:
1. Changes in your circumstances
You must write and tell us within 30 days:
- if anyone who has been insured under this policy is no longer to be covered under this policy;
- if your address has changed;
- if you or anyone who is insured under this policy is no longer resident in the United Kingdom area;
- if you develop a medical condition or anticipate any tests for a medical condition;
If you do not tell us about changes, a claim might be rejected or payment could be reduced. In some circumstances your policy might be invalid. We may re-assess our cover and premiums when we are told
about changes.
2. Taking care
You must take all reasonable steps to prevent loss or damage. You must act as if you are not insured.
3. Fraud
If dishonest means are used by you or anyone acting on your behalf to:
- obtain a claims payment under your policy;
- obtain cover for which you do not qualify;
- obtain cover at a reduced premium;
all benefits under your policy will be lost. All benefits claimed fraudulently and received must be repaid to us.
4. Transferring your interest in the policy You cannot transfer your interest in this policy to anyone else without our written permission.
5. You must not settle, reject or negotiate any claim without our permission.
6. We have the right, if we choose, in your name but at our expense to:
- take over the defence or settlement of any claim;
- start legal action to get compensation from anyone else for our own benefit;
- start legal action to get back from anyone else any payments that have already been made;
- take any action to get back any lost property or property believed to be lost.
7. You must give us, at your reasonable expense, all the information we ask for about any claim including evidence and receipts and you must help us to take legal action against anyone if we ask you to.
8. If you claim under this policy for something which is also covered by another insurance policy or service contract, you must provide us with full details of the other insurance policy or contract. We will only pay
our share of any claim except for personal legal responsibility where we will make no payment where you hold another insurance policy providing this cover.
9. You must take all reasonable steps to get back any article which has been lost or stolen. You must if asked to, identify the person you believe to be responsible for the loss and to assist with any prosecution if
necessary.
10. If we settle your claim and as a result your travel ticket(s) are not used, you must give the tickets to us.
11. You must complete a claim form within 28 days of your returning home to your country of departure if anything happened on your trip which might lead to a claim under your policy. For emergencies or claims
that are likely to be expensive, you must tell us as soon as possible.
12. If we ask for it, you must agree to be examined by a medical practitioner of our choice and at our expense.
13. In the event of the death of anyone insured under the policy, if we ask for it, you must agree to have a postmortem examination carried out at our expense.
14. You must pay back to us any amount which we have paid to you for something which is not covered under this policy.
15. If you make a claim under this policy the policy premium is not refundable as part of your claim.
16. We will make every effort to apply the full range of services in all circumstances as shown in your policy.
Remote geographical locations or unforeseeable adverse local conditions may prevent the normal standard of service being provided.

Excess
The amount of money which you must pay, for every incident, under each section of cover you claim. The amounts applicable are as follows:
Bronze Cover - £75 increasing to £150 in respect of Medical Expenses, Personal Liability and Legal Expenses Claims
Silver Cover - £65 increasing to £100 in respect of Medical Expenses, Personal Liability and Legal Expenses Claims
Gold - No excess applies to any section.