BUPA Premier Travelcover

91 Days

Section 6 - Personal accident
This section of the policy sets out the cover we provide if you have an accident during a trip.
What is covered:
If you suffer loss of limb(s), loss of sight, permanent total disablement or die as a result of an accidental bodily injury during a trip, which within 12 months is the sole cause of either death or disablement, we will pay:
- £15,000 for death
- £30,000 for the loss of limb(s) (one or more limbs);
- £30,000 for the loss of sight (in one or both eyes);
- £30,000 for permanent total disablement.
The most we will pay for any one claim in total is £30,000 per person insured under this policy or £1,000 for the death of any person under 18 years old or more than 69 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 3 - Hospital daily benefit
This part of the policy sets out the benefit we will pay for a hospital in-patient stay.
What is covered:
If you make a claim under Section 2 - Medical emergency and other related expenses and we agree to pay your claim, we will also pay you the amount shown on your Policy Schedule for each continuous 24-hour period that they have to spend in hospital as an in-patient.
The most we will pay for each insured person is the amount shown on your Policy Schedule.

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental 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 is the amount shown on your Policy Schedule.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 residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence 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 single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 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 accidental 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 medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) 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.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental 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 is the amount shown on your Policy Schedule.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 residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence 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 single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 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 accidental 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 medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) 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.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section 2 - Medical emergency and other related expenses
This part of the policy explains the cover we provide for a medical emergency and other related expenses.
What is covered:
If you suffer an accidental 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 is the amount shown on your Policy Schedule.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 residence including the cost of a medical escort if necessary.
2.4 reasonable additional travelling and accommodation costs for your spouse or partner or travelling companion accompanying you if you need to return to your country of residence 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 single journey air ticket, for the same class of travel that you paid for on your outward trip, to enable a business colleague to replace you abroad if you need to return to your country of residence when recommended by our Senior Medical Officer or if you die during your trip.
2.8 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 accidental 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 medical condition which existed before the trip unless you told us about the medical condition and we agreed to accept it.
d) Any treatment that was pre-planned or pre-known by you.
e) Treatment costs for cosmetic reasons.
f ) The cost of treatment for pregnancy or childbirth incurred within 10 weeks of the expected date of delivery.
g) 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.
h) Any costs you incur abroad after the date our Senior Medical Officer tells you, you should return home.
i) The cost of dental treatment involving the provision of dentures, artificial teeth, permanent crowns, bridgework or the use of precious metals.
j) Any travelling or accommodation costs where we have not arranged the transportation.
k) The cost of dental treatment for cosmetic reasons only.
l) In respect of section 2.8,children who are 18 years old or over.
m) Children who are not insured under the policy.
n) In respect of section 2.6,2.7 and 2.8,any air travel costs above an economy/tourist class ticket.
o) Any accommodation costs other than the cost of the room.
p) Any treatment ,investigations or tests in a private hospital unless authorised
and agreed by us ,including the cost of a private or semi-private room .

Section l l - Money and passport
This section does not apply if Essential TravelCover has been chosen.
This section of the policy sets out the cover we provide for your money and passport.
What is covered:
11.1 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 £500 for each person insured under the policy per trip of which;
The most we will pay for any one claim for cash is £250 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.
11.2 The cost of reasonable additional travel and accommodation expenses you incur abroad while obtaining a replacement passport if your passport is lost or stolen outside your country of residence during a trip.
The most we will pay for any one claim is £300 for each person insured under the policy per trip.
What is not covered:
a) The excess.
b) The theft or loss of money or your passport which has not been reported to the local police or your carrier within 24 hours of the discovery 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 l - Assistance Cover
This part of the policy explains the services we provide before you travel and available on 020 8763 3115.
1.2 Personal Assistance
This part of the policy explains the administrative and delivery costs we will pay for services we provide outside the United Kingdom area.
What is covered:
1.2.1 If you need money urgently and access to your normal financial or banking arrangement is not available locally we will transfer emergency funds intended to cover your immediate emergency needs to you if you allow us to debit a credit or charge card, or arrange for funds to be deposited with us in your country of residence.
The most we will transfer under this policy, per trip is the amount shown on your policy schedule.

Section 5 - Legal protection
This section does not apply if you have chosen Extended Stay Travel Cover.
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:
We will insure you for:
Legal expenses up to £25,000 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.
An overall maximum of £50,000 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:
We 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, the insurer or FirstAssist.
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.
How we settle claims under this section
You must keep to the conditions on this page, and on page 15, 16 and 17.
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. If there is a dispute between you and us or First Assist 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. This arbitration procedure does not prejudice your right to have recourse to any other complaints procedure to which the insurer subscribes or to the courts. 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. 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. 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. 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. 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.

Section l l - Money and passport
This section does not apply if Essential TravelCover has been chosen.
This section of the policy sets out the cover we provide for your money and passport.
What is covered:
11.1 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 £500 for each person insured under the policy per trip of which;
The most we will pay for any one claim for cash is £250 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.
11.2 The cost of reasonable additional travel and accommodation expenses you incur abroad while obtaining a replacement passport if your passport is lost or stolen outside your country of residence during a trip.
The most we will pay for any one claim is £300 for each person insured under the policy per trip.
What is not covered:
a) The excess.
b) The theft or loss of money or your passport which has not been reported to the local police or your carrier within 24 hours of the discovery 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 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 16 Winter sports cover
This part of the policy explains the cover we provide for winter sports if this cover has been selected and the appropriate premium paid.Please check your policy schedule if you are unsure. Cover is provided for a limited number of days during the insurance period. For single trip policies, where winter sports cover is selected, cover will apply for the period of trip as stated on your policy schedule. For annual policies the number of days are as follows:
Premier Gold - Number of days per insurance period 17 days 21 days. Winter Sports cover is only available to persons aged under 65 years.
Words with special meanings in this section
Ski pack
Pre-booked lift passes,ski tuition and ski hire
Winter sports equipment
Skis (including bindings),snowboards,boots and poles owned or hired by you.
What is covered
The following benefits apply in addition to the other benefits detailed in your policy schedule:
Under section 2 - Medical emergency and other related expenses
If you make a claim under Section 2 - Medical emergency and Other Related Expenses and we agree to pay your claim,we will also pay up to £150 for your non-refundable pre-booked ski pack if, during your trip, a medical practitioner certifies that you are unable to ski as the direct result of an accidental bodily injury or sudden and unforeseen illness.
Under section 7 -Cancellation or cutting your trip short
If you make a claim under Section 7 - Cancellation or cutting your trip short and we agree to pay your claim, we will also pay up to £150 for pre-booked, non-
refundable ski pack. In the event of cutting your trip short, we will pay for non-refundable ski packs on a pro-rata basis for each full day that the ski pack is unused, up to a maximum of £150.
Under section 9 -Personal baggage
Your winter sports equipment is covered if it is lost, damaged, stolen or destroyed and not recovered during a trip. The most we will pay for any one claim of winter sports equipment is £500 for each person insured under the policy. The cost of hiring replacement winter sports equipment if your winter sports equipment has been lost or misplaced for more than 12 hours on 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.
Avalanche and landslide
If your scheduled public transport service is cancelled or cut short because of an avalanche or landslide we will pay for additional, reasonable accommodation and travel expenses that you incur. 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.
Piste closure
If, during a trip starting after 1st November and ending before 31st March, you cannot ski at your pre-booked resort because of either a lack of or excess of snow causes a total closure of the lift system we will pay for reasonable transportation costs, lift pass charges and similar costs which you have to pay to travel to and from a similar resort or area to ski. 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.
What is not covered
a) Anything not covered under the main sections of the policy
b) Claims for piste closure if you cannot ski for a period of less than 24 hours in a row
c) Any claim which involves the closure of baby drags and lifts used for transport within the resort by non-skiers
d) Any claim which involves the closure of the winter sports lift system because of high winds.
Special conditions
1) Please see conditions under Section 9 Personal Baggage.
2) In the event of piste closure, we will require a letter from the tour operator or ski lift operator confirming the date(s) and reasons for the piste closure.

Section 9 - Personal baggage
This section does not apply if Essential TravelCover has been chosen or the Premier or Gold Option to exclude Personal Baggage cover has been chosen.
This section of the policy sets out the cover we provide for your personal baggage.
What is covered:
9.1 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 the amount shown on your Policy Schedule 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 the amount shown on your Policy Schedule per trip.
- The most we will pay for valuables is the amount shown on your Policy Schedule per trip per person insured under the policy.
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 discovery 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 discovery 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 10 - Baggage delay
This section does not apply if Essential TravelCover and/or Extended Stay TravelCover has been chosen or the Premier or Gold Option to exclude Personal Baggage has been chosen.
This part of the policy sets out the cover we provide if your baggage is delayed.
What is covered:
10.1 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 the amount shown on your Policy Schedule per trip.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 9 - 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 provide written confirmation from the carrier confirming the period of the loss of your baggage.

Section 7 - Cancellation or cutting short the trip
This section does not apply if you have chosen Essential TravelCover.
This part 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 cut your trip short during the insurance period because of the following:
- Accidental bodily 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 bodily injury or illness of a close relative and/or close business colleague and/or travelling companion living in your country of residence.
- If you or your travelling companion are placed in quarantine, summoned for compulsory jury service or called to give evidence as a witness in a court of law under subpoena.
- If you or your travelling companion are hijacked (unlawful seizure of the vehicle in which you are travelling).
- If you are made redundant when you are under 65 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 your travelling companion, is required following serious fire, storm or flood damage at your or their home, or place of business, within your country of residence or required by the police following burglary at your or their home, or place of business in your country of residence.
- 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 residence for more than 12 hours.The most we will pay for each person insured under this policy is the amount shown on your Policy Schedule in any one insurance period.
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 is under 65 and 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 loss of deposit.Important note If you need to make a claim for cancellation on medical grounds you must first contact the BUPA 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 8 -Missed departure and travel assistance
This section does not apply if you have chosen Essential and/or Extended Stay TravelCover. This part of the policy explains the services and benefits we provide to you before you leave your country of residence on a trip and after you return to your country of residence from a trip abroad.
What is covered
8.1 Additional costs you have to pay when you travel to your international departure point as stated on your airline ticket in your country of residence. If you leave your home and you have taken every reasonable step to ensure you get there on time but you are still delayed on your way to your international departure airport,port or rail terminal in your country of residence because of the:
-failure of public transport;
-the immobilisation of the vehicle in which you are travelling.
We will help you to get to your international departure point by:
-liaising with your carrier and/or tour operator to advise them of your late arrival;
-arranging alternative transport;
-arranging emergency local help including towing your vehicle to the nearest garage;and
If you arrive too late to begin your outward journey we will help you to get to your pre-booked destination by:
-liaising with your carrier and/or tour operator to advise them of your late arrival;
-arranging for reasonable overnight hotel accommodation and reasonable alternative international travel to your pre-booked destination by the most direct alternative route.
The most we will pay for each person insured under this policy is:
-£500 per trip for travel to the European area;
-£1,000 per trip for travel to a country outside the European area.
8.2 Additional costs you have to pay when you travel home from your international arrival point. If you are delayed on your way back to your international arrival point in your country of residence and you miss a travel connection we will:
-liaised with your onward carrier to advise them of your late arrival;
-make alternative travel arrangements to get you home from the international arrival point in your country of residence if necessary. If, when you arrive back in your country of residence, you cannot continue your trip because of:
-failure of public transport;
-the immobilisation or loss of the vehicle in which you were to travel,
we will help you get home, where necessary, by:
-arranging emergency local assistance;
-arranging for the recovery of your vehicle and passengers to your home;or
-providing alternative transport;or
-providing overnight hotel accommodation while your vehicle is repaired.
The most we will pay under section 8.2 of this policy is £300 for each person insured under the policy per trip.
What is not covered
a) Additional costs which are not directly related to you travelling to your international departure point or your home .
b) The cost of all repairs and towing charges and the cost of roadside assistance charges over 1 hour following the immobilisation of your vehicle.
c) Delays caused by strike or industrial action which had started or for which a start date had been announced before you made your travel arrangements for your trip .
d) 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.
e) Additional costs where the scheduled public transport operator has offered reasonable alternative travel arrangements.
f) Any claim where you have not obtained written confirmation from the carrier giving the period and reason for delay.
g) Any claim for additional mechanical wear and tear or loss of value or for additional mileage charges other than for additional fuel and oil.
h) Any claim under this section if you have also claimed under Section 7 -Cancellation or cutting short the trip .

Section 12 - Travel delay
This section does not apply if you have chosen Essential and/or Extended Stay TravelCover.
This section of the policy sets out the benefit we provide if your travel is delayed.
What is covered:
12.1 If the sea vessel, aircraft or train on which you are pre-booked to travel is delayed to or from your country of residence resulting in your arriving at your destination at least 12 hours after your original scheduled arrival time, as a direct result of:
- strike or industrial action;
- adverse weather conditions; or
- mechanical breakdown of aircraft, sea vessel or train, we will pay:
- £20 for each person insured under the policy for the first 12 hours that you are delayed; and
- £10 for each person insured under the policy for each additional full 12-hour period of delay.
The most we will pay for each person insured under the policy per trip is the amount shown on your Policy Schedule.
What is not covered:
a) Delays caused by strike or industrial action which had started or for which a start date had been announced before travel arrangements were made for your trip.
b) 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.
c) Any claim where you have not obtained written confirmation from the carrier giving the period and reason for delay.

Section 7 - Cancellation or cutting short the trip
This section does not apply if you have chosen Essential Travel Cover.
This part 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 cut your trip short during the insurance period because of the following:
- Accidental bodily 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 bodily injury or illness of a close relative and/or close business colleague and/or travelling companion living in your country of residence.
- If you or your travelling companion are placed in quarantine, summoned for compulsory jury service or called to give evidence as a witness in a court of law under subpoena.
- If you or your travelling companion are hijacked (unlawful seizure of the vehicle in which you are travelling).
- If you are made redundant when you are under 65 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 your travelling companion, is required following serious fire, storm or flood damage at your or their home, or place of business, within your country of residence or required by the police following burglary at your or their home, or place of business in your country of residence.
- 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 residence or country of departure for more than 24 hours. If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 24 hours, we will pay an amount equal to the cost of your trip up to £5,000 less any amounts that you are entitled to be refunded.
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 Rights Act 1996.i.e.that the employee is under 65 and 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 insured person for loss of deposit.
Important note If you need to make a claim for cancellation on medical grounds you must first contact Bupa Travel Claims on +44 (0)1784 410910**who will provide a claim form which includes a certificate for you to take to your General Practitioner for completion.

Section 13 - Personal legal responsibility
This section does not apply if you have chosen Essential TravelCover.
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 are the result of:
13.1 accidental death or physical injury to anyone during a trip; and/or
13.2 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 £2,000,000 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) Accidental death of or physical injury to you or any of your family.
b) 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.
c) 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.
d) Any responsibility as an employer to anyone employed by you or any of your family in any trade, business or profession.
e) Any agreement or contract which adds any responsibility which would not have existed otherwise.
f ) 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).
g) Any responsibility resulting from wilful or malicious acts by you.
h) Accidental injury or loss which has not been caused by your negligence.
i) Any claim for personal legal responsibility which is covered by any other insurance held by you.
j) The occupation, except temporarily for the purposes of the trip, or ownership of any land or building.

Emergency Assistance
In the event of a medical emergency, immediate help is available from the 24-hour multi-lingual emergency centre, 365 days a year.
What you must do:
In an emergency, you should first check that the situation is covered by your BUPA Travel Cover policy. Please be ready to give your name, schedule number and as much information as possible about your emergency. BUPA Travel Assistance will ask you for a telephone or fax number where they can contact you or leave you a message at any time of the day or night. You must contact BUPA Travel Assistance and obtain their authorisation before you incur any expenses over £500. Until you have contacted BUPA Travel Assistance, we cannot accept responsibility for any expenses. Any minor illness or injury costs resulting in a claim should be paid by the insured person and redeemed within 14 days of returning from the trip. You can ring BUPA Travel Assistance on the following number: Telephone: +44 (0)20 8763 3115 Or fax BUPA Travel Assistance on: Telefax: +44 (0)20 8763 3035 BUPA Travel Assistance services are provided by First Assist Services Limited. For your protection, your calls may be recorded and may be monitored.

General Exclusions
17. Any claim or expense of any kind, directly or indirectly caused by:
a) any terrorist act (other than under Section 2 Medical Emergency & Other related costs and Section 6 Personal Accident as long as the disturbances were
not taking place at the time of booking the trip and/or at the start of the trip).b) war, riot, invasion, revolution, rebellion or civil commotion;
c) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
d) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
e) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.

General Exclusions
17. Any claim or expense of any kind, directly or indirectly caused by:
a) any terrorist act (other than under Section 2 Medical Emergency & Other related costs and Section 6 Personal Accident as long as the disturbances were
not taking place at the time of booking the trip and/or at the start of the trip).b) war, riot, invasion, revolution, rebellion or civil commotion;
c) ionising radiation or radioactive contamination from any nuclear fuel or waste which results from the burning of nuclear fuel;
d) radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
e) pressure waves from aircraft and other flying objects travelling at or faster than the speed of sound.