The following table is only a summary of the main cover limits. You should read the rest of this policy for the full terms and conditions and to understand when these benefits may apply. The cover level selected is shown on your Certificate of Insurance.
Note: Limits shown are per person insured. Certain additional limits apply to children under 16 years old. See individual sections for details.
Section | Benefit | Standard Cover | Explorer Cover | Excess |
---|---|---|---|---|
Cancellation | ||||
Section 1 |
3,750
|
6,250
|
90
|
|
Tuition/Course Fees | ||||
1,250 |
1,875 |
90 |
||
Curtailment | ||||
Section 2 | 3,750 |
6,250 |
90 |
|
Trip Interruption | ||||
Section 3 | Not covered |
1,875 |
90 |
|
Emergency Medical Expenses | ||||
Section 4 |
3.75 million
|
12.5 million
|
125/625
|
|
Emergency Dental Treatment (pain relief only) | ||||
375 |
625 |
125 |
||
Funeral Expenses Abroad | ||||
6,250 |
6,250 |
125 |
||
Outpatient Physiotherapy Treatment | ||||
185 |
625 |
125 |
||
Post Assault Counselling | ||||
Not covered |
300 |
125 |
||
Hospital Benefit | ||||
Section 5 |
25/24 hrs. 250 max
|
50/24 hrs. 1,250 max
|
N/A |
|
Personal Accident (permanent total disablement, loss of limbs, loss of sight) | ||||
Section 6 | 12,500 |
31,250 |
N/A |
|
Baggage & Personal Belongings | ||||
Section 7 |
|
|||
Personal Baggage | ||||
1,250 |
2,500 |
90 |
||
Single Item Limit | ||||
125 |
300 |
90 |
||
Total Valuables Limit | ||||
300 |
625 |
90 |
||
Delayed Baggage (after 24 hrs.) | ||||
125 |
250 |
N/A |
||
Specified Items (optional) | ||||
1,500 |
2,500 |
90 |
||
Single item Limit (for specified items) | ||||
500 |
900 |
90 |
||
Money | ||||
Section 8 |
Not covered
|
625
|
90
|
|
Cash Limit | ||||
Not covered |
250 |
90 |
||
Cash Limit (under 16) | ||||
Not covered |
65 |
N/A |
||
Loss of Passport / Drivers Licence and other travel documents | ||||
Section 9 |
375
|
750
|
N/A
|
|
Travel Delay & Abandonment | ||||
Section 10 |
Not covered
|
Included
|
90
|
|
Travel Delay | ||||
Not covered |
50/12 hrs.250 max |
90 |
||
Trip Abandonment (after 24 hrs.) | ||||
Not covered |
Up to Cancellation limit |
90 |
||
Additional Travel and Accommodation | ||||
Not covered |
1,250 |
90 |
||
Missed Departure | ||||
Section 11 | Not covered |
1,250 |
90 |
|
Uninhabitable Accommodation | ||||
Section 12 | Not covered |
1,250 |
90 |
|
Political Unrest and Natural Catastrophe Evacuation Expenses | ||||
Section 13 | Not covered |
12,500 |
90 |
|
Personal Liability | ||||
Section 14 | 2.5 million |
2.5 million |
185 |
|
Legal Expenses | ||||
Section 15 | 6,250 |
31,250 |
185 |
|
Hijack | ||||
Section 16 | Not covered |
125/24 hrs.
2,500 max |
||
Work, Sports & Activities Level 1 | ||||
Section 17 |
Included
|
Included
|
See section 1 to 16 for the applicable excess
|
|
Work, Sports & Activities Level 2 | ||||
Optional |
Optional |
See section 1 to 16 for the applicable excess |
||
Work, Sports & Activities Level 3 | ||||
Optional |
Optional |
See section 1 to 16 for the applicable excess |
||
Work, Sports & Activities Level 4 | ||||
Optional |
Optional |
See section 1 to 16 for the applicable excess |
||
Collision Damage Waiver Excess | ||||
Section 18 |
Not covered
|
Included
|
N/A |
|
Accident Damage Excess Reimbursement | ||||
Not covered |
1,875 |
N/A |
||
Rental Car Key Cover | ||||
Not covered |
625 |
N/A |
||
Financial Failure Protection | ||||
Section 19 | 3,750 |
6,250 |
90 |
Note: the policy excess is increased to 625 in respect of medical emergency repatriation by air ambulance or helicopter services within Nepal.
Telephone | ||
---|---|---|
Customer Services (For policy sales, coverage inquiries or amendments) | infoIRL@worldnomads.com | +44 (0)330 660 0738 |
24 Hour Emergency Assistance Service (For medical or travel assistance while travelling) | assistance@mstream.co.uk |
+44 (0)20 7183 3751
|
Claims Service (For claim inquiries after the claim is submitted) | claims@mstream.co.uk | +44 (0)330 660 0549 |
Financial Failure Protection Claims (Also visit www.ipplondon.co.uk) | info@ipplondon.co.uk | +44 (0)20 8776 3752 |
Political Unrest And Natural Catastrophe Evacuation | +44 (0)20 3284 8844 |
Website | Telephone | |
---|---|---|
Department of Foreign Affairs | www.dfa.ie | (01) 478 0822 |
European Health Insurance Card | www.ehic.ie | contact your local health office |
Medicare Australia | www.humanservices.gov.au | 0800 1695 865 or +613 6222 3455 |
Thank you for taking out your travel insurance from WorldNomads.com
This policy wording, your Certificate of Insurance and any endorsements form a contract of insurance between you (the insured named on the Certificate of Insurance) and us, (Millstream Underwriting Ltd on behalf of AWP P&C SA (Sections 1-18) and International Passenger Protection Ltd on behalf of Certain underwriters at Lloyd's (Section 19 only)) and explains the definitions, conditions, exclusions and limits of cover we provide.
This contract is only valid when you have a valid Certificate of Insurance and have paid the appropriate premium.
It is very important that you carefully read the terms, conditions and exclusions of this insurance to ensure that you are properly covered for your planned trip.
Please check the details of your Certificate of Insurance and contact Customer Services by email at infoIRL@worldnomads.com or telephone +44 (0)330 660 0738 if they are incorrect.
The persons insured as named on the Certificate of Insurance
Cover is only available to:
You must be 64 years old or younger at the time you buy or extend this policy. Cover will not be issued once you have reached 65 years of age.
You are covered for:
Depending on the cover you choose, your policy will have specific benefits and limits and sub-limits of cover. The limits of cover under each section are shown on the Summary of Cover. Limits shown in the Summary of Cover are for each insured person.
Your Certificate of Insurance shows the level of cover chosen, your policy coverage period/s, the applicable sections of the policy and cover limits, the people who are covered and if you have upgraded your cover for sports and activities or specified your personal belongings.
You may extend the period of insurance before the policy ends, subject to payment of the appropriate additional premium, however, any illness or injury which has come into existence, or has shown symptoms, or has been diagnosed in the previous insurance period(s) shall not be covered in the extended insurance period. A policy may be extended up to a maximum of 550 days.
If your return home is unavoidably delayed for an insured reason, cover will be extended free of charge for up to 30 consecutive days as a maximum from the expiry date listed on the policy.
This policy has an excess as shown on the Summary of Cover which will be deducted in the event of a claim under certain sections. The excess is applicable per person, per policy section, to a maximum of two excesses being charged per insured incident, and can be summarised as follows:
Emergency Overseas Medical Expenses | 125 |
Personal Liability; Legal Expenses | 185 |
Cancellation: loss of deposit | 25 |
Additional hospital benefit; Personal accident; Delayed baggage; Travel Delay; Loss of Passport/Travel Documents, Collision Damage Waiver Excess. | No excess applicable |
Nepal Air Ambulance/Helicopter Services | 625 |
All other cover sections | 90 |
Note: a higher excess of 625 applies in respect of medical emergency repatriation by air ambulance or helicopter services being required within Nepal.
Cancellation cover starts from the date you have purchased this insurance policy and ends when you leave your home within the dates shown on your Certificate of Insurance.
Note: If you buy this policy after you have left Ireland, there is no cover provided for Cancellation (Section 1) of your trip
All other sections are covered from the start date of the policy shown on your Certificate of Insurance or when you leave your home to commence the trip, whichever is the later. These sections apply for the period of insurance and cover ceases on the expiry date shown on your Certificate of Insurance or the date you return to your home whichever is the earlier.
Buying after you have left home in Ireland
If cover has been taken out after you have left home to commence your trip, there is a waiting period of 72 hours before the insurance takes effect. Any illness or injury occurring during this waiting period will be considered a pre-existing medical condition and not covered under the terms of this policy. In the event of serious injury in connection with an accident, you will be covered from the date you take out cover subject to the accident being witnessed and verified by an independent third party.
Returning home early
If you want to return home during your trip for any reason that does not give rise to a claim under this policy (except if you have Explorer Cover and are claiming under Section 3 Trip Interruption), and you then wish to recommence your trip, you can do so at your expense (unless claiming under Section 3 Trip Interruption) under the same policy before the end date shown on your Certificate of Insurance. If you return home early, this doesn't change the end date or duration of your policy. Cover ceases for your visit until you resume your trip overseas. You are not covered for any incidents or treatment while in Ireland.
If you end your trip early for any reason, there is no refund for any unused part of your policy.
Note: Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
If your cover does not meet your requirements, please notify World Nomads within 14 days of receiving your policy for a refund of your premium. If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs for those services that you have used. Please note that your cancellation rights are no longer valid after this initial 14 day period.
The insurance covers non manual work and can be extended to cover manual work if the appropriate additional premium has been paid. See Section 17. You are not covered under Section 14 - Personal Liability when you are working.
There is certain information that we need to know as it may affect the terms of the insurance cover we offer you.
You must, to the best of your knowledge, have given accurate answers to the questions we have asked when buying this policy. If you have not answered the questions truthfully it could result in your policy being invalid and that could leave you with no right to make a claim.
If you think that any of your answers might be incorrect, or if you need any help, please contact us as soon as possible and we will be able to confirm if we are still able to offer you cover under this policy.
We do not cover any pre-existing medical conditions which affect you, the people travelling or other people upon whose health your trip depends. You are advised to read the definition of pre-existing medical conditions. You can still take out this travel insurance with a pre-existing medical condition, but we won't cover any claim made as a result of this condition.
Change in health before you start your trip
If before you start your trip, between the date the policy is issued and the start date of your trip, you or anyone upon whose health your trip depends receives medical advice or treatment for a serious illness or injury (which is not a pre-existing medical condition) your policy will cover you for cancellation of your trip (See Section 1).
If you purchased this policy after leaving home in Ireland and you suffer a serious illness or injury (which is not a pre-existing medical condition) before the start date of your trip, then there is no cover under this policy for Cancellation (Section 1) of your trip.
Pregnancy
As is consistent with the treatment of all pre-existing medical conditions under the policy, the policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.
This is not a Private Medical Health Insurance Policy.
We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate. In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all of your medical records and information.
Whenever the following words appear in bold in this policy they will always have these meanings:
Word | Definition |
---|---|
Appointed adviser | The solicitor or appropriately qualified person, firm or company including us who is chosen to act for you in your claim for compensation. |
Close business associate | Any person resident in Ireland whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business. |
Couple | The lead insured, spouse (or co-habiting partner) or other person you are travelling with named on the Certificate of Insurance. |
Curtail/ Curtailment | Return home before the scheduled return date. |
Eastern Asia | China, Hong Kong, Japan, Macau, Mongolia, North Korea, South Korea, Taiwan. |
Europe | Åland Islands, Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, England, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holy See (Vatican City State), Hungary, Iceland, Israel, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Scotland, San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Switzerland, Ukraine, Wales. |
Expert witness | A person who testifies in a court of law because they have specialist knowledge in a particular field or area of expertise, entitling that person to testify about their opinion on the meaning of facts. |
Family | The lead insured, spouse (or co-habiting partner) or other adult you are travelling with and your financially dependent children/grandchildren under 21 in full time education, at the issue date of the policy, travelling with you, all normally resident with you and listed as covered on your Certificate of Insurance. |
Hazardous activities | Participating in any sport or activity which could pose an increased risk or danger to you, and may require you to take additional precautions to avoid injury or claim. (A list of sports and activities which can be covered by this policy are shown in Section 17). |
Hijack | The unlawful seizure or wrongful exercise of control of you, an aircraft or conveyance in which you are travelling as a passenger. |
Home | Your usual place of residence in Ireland as shown on your Certificate of Insurance. |
Immediate relative | Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister resident in Ireland. |
Insurer |
For Sections 1-18 AWP P&C SA. For Section 19 – Certain underwriters at Lloyd's provided by International Passenger Protection Limited. |
Ireland |
The Republic of Ireland. |
Irish citizen |
A person with a passport which describes the holder as an Irish Citizen with a residential address in Ireland and unrestricted right of entry to Ireland. |
Legal action |
Work carried out to support a claim that we have agreed to. This includes settlement negotiations hearings in a civil court, arbitration and any appeals resulting from such hearings other than an application by you: to the European court of Justice, European Court of Human Rights or similar International body or to enforce a judgement or legally binding decision. |
Legal costs | Fees, costs and expenses (including any additional tax) which we agree to pay for you in connection with legal action. Also any costs which you are ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay. |
Loss of limb | Physical, permanent and total loss of use at or above the wrist or ankle. |
Loss of sight | The complete, irrecoverable and irremediable loss of all sight in one or both eyes. |
Manual work | General work which does not involve the use of mechanical or industrial machinery, and does not involve working at a height exceeding 2 metres above ground level. |
Medical practitioner | A registered practising member of the medical profession who is not travelling with you, who is not related to you or to any person with whom you are travelling or intending to stay with. |
Money | Cash, any legal currency, travellers' cheques, cheques, postal and money orders held by you for social domestic and/or pleasure purposes. |
Natural catastrophe | Hurricane, tornado, tsunami, earthquake, volcanic eruption, storm, flood, landslide, wildfire or high water. |
Non manual work | Any professional, clerical or administrative work, working as a classroom teacher, classroom assistant, au pair, nanny or child minder or retail, bar and hospitality work involving light duties only. |
Permanent total disablement | Disablement as a result of which there is no business or occupation, which you are able to attend and to which having lasted for a period of 12 months, is, at the end of that period beyond hope of improvement. |
Personal accident | Accidental bodily injury caused solely and directly by outward violent and visible means. |
Personal baggage | Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip. (Not including any specialised items, medical or otherwise, unless specified in your Certificate of Insurance). |
Political unrest | A disturbance or turmoil, political or military or otherwise that poses an immediate threat to your safety. |
Pre-existing medical condition | Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy. This applies to you, your travelling companion, an immediate relative or someone upon whom your trip depends. |
Public transport | Any fare paying passenger on the following regular scheduled forms of transport: train, coach, bus, aircraft and sea vessel. |
Redundancy | Any person being declared redundant, who is under 60 years and under the normal retiring age for someone holding that person's position, and who has been employed for 2 continuous years with the same employer at the time of being made redundant. |
Rental period |
The dates you have arranged to hire the insured rental vehicle as confirmed on your rental agreement. You will only be covered if you are 21 years or over at the start date of your policy. A rental vehicle which is booked outside the period of cover as shown on your insurance schedule is not covered. |
Resident |
A holder of an Irish residency visa with:
|
Safe haven | A protected body of water used by marine craft for refuge from storms or heavy seas. |
Scuba diving |
Conventional scuba diving only. We do not cover solo diving, cave diving, any dive which takes you below your current qualification limits, or any dive below 30 metres (or 50 metres if the appropriate additional premium has been paid) under any circumstances. You are limited to your current qualification limit, unless accompanied by a qualified Instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times. |
The Caribbean | Anguilla, Antigua and Barbuda, Aruba, Barbados, Bonaire, Saint Eustatius and Saba, Cayman Islands, Cuba, Curaçao, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Montserrat, Puerto Rico, Saint Barthélemy, Saint Kitts and Nevis, Saint Lucia, Saint Martin, Saint Vincent and theGrenadines, Sint Maarten, The Bahamas, Trinidad and Tobago, Turks and Caicos Islands, British Virgin Islands, U.S. Virgin Islands. |
Travel documents | Passports, driving licences, visas and other government issued documents required to enter and exit a country. |
Unattended | When you are not in full view of and not in a position to prevent unauthorised interference with your property. This includes leaving your personal items in any position where it can be taken without your knowledge or such a distance from you that you are unable to prevent it being taken. |
Valuables | Watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, computers and or accessories (including laptops, games & gaming consoles), PDA’s and tablet devices (including iPad’s and eBooks) video cameras, audio visual equipment, televisions, mobile phones and satellite navigation devices. |
We / us / our |
For Sections 1-18. Millstream Underwriting Ltd on behalf of AWP P&C SA. AWP Assistance UK Ltd is the administrator for the insurer in the United Kingdom. For Section 19. International Passenger Protection Limited on behalf of the Insurer of this section. |
Winter sports | Conventional, recreational skiing / snowboarding only. We do not cover any competition, free-style skiing, ski jumping, ski-flying, ski acrobatics / aerials, ski stunting or use of skeletons. Off-piste skiing / snowboarding is only covered if you are under the care and direction of a locally qualified guide or instructor. |
Work | Any work, including volunteer work, work placements, incidental work and work experience, paid or unpaid. |
Worldwide (excluding USA, Canada, The Caribbean and Eastern Asia) | Worldwide excluding the United States of America, Canada, The Caribbean, Eastern Asia. |
Worldwide (including USA, Canada, The Caribbean and Eastern Asia) | Worldwide including the United States of America, Canada, The Caribbean, Eastern Asia. |
You / your | Each insured person as shown on your Certificate of Insurance. |
Note: Cancellation cover under this section is only available before you leave home. If the policy is purchased after you have left Ireland, there is no cover provided for Cancellation of your trip under this section. Also refer to Section 2 for Curtailment. Explorer Cover holders should also refer to Section 10 for Trip Abandonment coverage.
You are covered up to the limits as shown on the Summary of Cover for loss of travel, accommodation, tour expenses and tuition/course fees, which were cancelled before you were due to leave your home in Ireland for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance:
Explorer cover only
If you have selected Explorer cover this section is extended to cover you if you have to cancel your trip as a result of the Department of Foreign Affairs, the World Health Organisation (WHO) or similar body issuing a directive of do not travel or avoid non-essential travel to the country or specific area or event to which you were booked to travel; providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later).
Note: Check the General Conditions & Claims Procedure for further details.
You must contact the 24 hour Emergency Assistance Service immediately in the event of a serious injury, illness or hospitalisation, or where repatriation has to be considered. Their authorisation must be obtained before you cut your trip short.
The 24 hour Emergency Assistance Service telephone number is: +44 (0)20 7183 3751.
You are covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to accidental injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours.
You are covered up to the limits as shown on the Summary of Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your return to your home, which have not been used and which were paid before your departure from your home.
Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to resume your trip, you can do so under the same policy. You are not covered for any incidents or treatment while in Ireland.
Explorer Cover only
If you have selected Explorer Cover this section is extended to cover you if you have to curtail your trip as a result of the Department of Foreign Affairs the World Health Organisation (WHO) or similar body recommending evacuation from the country or specific area in which you are travelling, providing the directive came into force after you purchased this insurance and after you have left Ireland to commence the trip (whichever is the later).
If you have purchased the Explorer Cover, you are covered up to the limits as shown on the Summary of Cover for reasonable additional travel expenses (Economy Class) for you to resume your trip to the destination abroad if you have been:
We shall pay for travel expenses equivalent to the cost of a return economy class airplane ticket to the destination where you would have been according to your original travel plan at the time you are resuming your trip.
You must contact the 24 hour Emergency Assistance Service as soon as possible in the event of a serious injury, illness or hospitalisation, or immediately if repatriation has to be considered.
Phone: +44 (0)20 7183 3751
Note: This is an accident and emergency cover only and is not a private health insurance policy. It only covers you if there is a sudden and unexpected accident or if you become ill during a trip. We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate or to repatriate you back to Ireland.
Note: If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare. Apply by contacting yourLocal Health Office or online at www.ehic.ie. If you are travelling in Australia and require medical treatment, you must enrol with Medicare. For more information on Medicare visit www.humanservices.gov.au.
In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all your medical records and information.
If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the 24 hour Emergency Medical Assistance Service must be notified immediately.
If cover is confirmed, the Emergency Assistance Service will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary.
You must maintain contact with the 24 hour Emergency Medical Assistance Service until your return home or until you no longer require treatment or assistance.
If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed 625 you must refer to the 24 hour Emergency Medical Assistance Service for authorisation.
OUT-PATIENT LESS THAN 625 in the following countries only:
Spain, Greece, Cyprus, Egypt, Turkey and Portugal
If you need out-patient medical treatment and the costs are likely to be less than 625 please provide a copy of your Certificate of Insurance to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment.
Contact for ChargeCare International: admin@chargecare.net
OUT-PATIENT LESS THAN 625 in all other countries not listed above
Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). All original receipts for medical consultations / treatment / medication etc. should be retained and submitted to support your claim.
24 hour Emergency Medical Assistance Service telephone number: +44 (0)20 7183 3751
Note: Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
You are covered up to the limit as shown on the Summary of Cover for costs incurred outside Ireland for:
This benefit is payable only if the hospital admission has been covered under the terms of Section 4 Emergency Medical Expenses. The benefit payment is intended to contribute towards miscellaneous expenses that may be incurred whilst you are an in-patient (e.g. your taxi fares, your internet access and your telephone calls while in hospital). This policy does not provide compensation for loss of holiday/enjoyment.
You are covered up to the limit as shown on the Summary of Cover of payment of the amount shown for each complete 24 hours you spend in hospital as the result of being admitted as an inpatient to a registered hospital overseas. This is in addition to any medical expenses incurred under Section 4 Emergency Medical Expenses.
In the event of a claim, you must provide documentation confirming the date and time of admission and discharge.
Anything mentioned in the General Exclusions.
You are covered up to the limit as shown on the Summary of Cover in respect of loss of limb, loss of sight, permanent total disablement, if you have a personal accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent disability.
We will only pay the benefit for permanent total disablement if your medical practitioner confirms that you cannot do any work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.
Note: The permanent total disablement benefit will not apply if you are aged under 16 years at the time of the accident.
Note: Items of value may be more appropriately covered under a household All Risks Section or a separate All Risks policy where the full replacement value may be insured.
You are covered up to the limit on the Summary of Cover for the value or repair to any of your personal baggage you take with you or buy on your trip (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
You are covered up to the limit on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
in the event of a claim for damaged items, proof of the damage must be supplied. The damaged articles must be retained by you and if requested, submitted to the claims handlers so as to substantiate a claim.
Note: Failure to do so may result in a claim being denied.
If you have purchased Explorer Cover, you are covered up to the limitas shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is 65.
In the event of a claim for loss of cash, you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange/withdrawal slips, bank/credit card statements).
You are covered up to the limit as shown on the Summary of Cover for:
You must provide receipts for all costs incurred.
Travel Delay
If the public transport on which you are booked to travel is cancelled or delayed, leading to your arrival at your overseas destination being delayed for more than 12 hours or your return journey to your home being delayed for more than 12 hours.
You are covered for a payment for each completed 12 hours delay up to the limit, as shown on the Summary of Cover, (which is designed to help you pay for telephone calls made and meals and refreshments purchased during the delay) provided you eventually continue with your trip.
OR
Trip Abandonment
Note: If the policy is purchased after you have left your home in Ireland, there is no cover provided for abandonment of your trip
We will pay you
OR
Additional Travel & Accommodation
up to the limit as shown on the Summary of Cover for reasonable suitable additional accommodation (room only) and public transport expenses (Economy class) necessarily incurred in reaching your overseas destination and/or in returning to Ireland as a result of:
If the same costs, charges or expenses are also covered under Section 11 Missed Departure you can only claim for these under one section for the same event.
If you have purchased Explorer Cover, you are covered up to the limit as shown on your Summary of Cover for reasonable additional accommodation (room only) and public transport travel expenses (Economy class) necessarily incurred if you fail to arrive in time to board any onward connecting public transport on which you are booked to travel, including connections within Ireland as a result of:
You must contact the 24 hour Emergency Assistance Service immediately if evacuation is required.
Phone: +44 (0)20 7183 3751
Your claim may be affected if the 24 hour Emergency Assistance Service is not contacted.
If you have purchased Explorer Cover, we will pay you up to limit as shown on the Summary of Cover for reasonable additional accommodation (room only) and transport costs (Economy class) incurred as a result of fire, flood, earthquake, volcano, explosion, tsunami, landslide, avalanche, hurricane, storm or an outbreak of food poisoning or an infectious disease affecting where you are staying for one of the following:
This section includes the services of Security Exchange who must be contacted immediately if evacuation is required.
Telephone: +44(0) 20 3284 8844
If you have purchased Explorer Cover, you are covered up to the limit shown on the Summary of Cover for reasonable costs and expenses incurred in transporting you from the country in which the natural catastrophe or political unrest has occurred to the nearest place of safety as a result of you needing to evacuate from your destination during your trip.
You must contact Security Exchange immediately if an event occurs which may result in you needing to leave a country. No claim will be paid if Security Exchange are not contacted.
You must NOT admit liability at any time
The Claims Service must be notified immediately:
Email: claims@mstream.co.uk
Phone: +44 (0)330 660 0549
Note: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance for third party liability.
You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of:
If you require legal services, our Claims Service must be notified immediately by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549
You are covered if you die, are ill or injured during your trip and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following:
If you have purchased Explorer Cover, you are covered up to the limit as shown on the Summary of Cover for each full 24 hour period you are the victim of a hijack.
Your travel insurance covers you for non-manual work and many sports and activities as standard which are listed below as Level 1. Any other work and activities will need an extra premium to be paid for cover to apply and it will be shown on your Certificate of Insurance.
If you are participating in an activity that is not listed, you must contact us to ensure you have full cover, cover will not be in place until we have confirmed acceptance and any additional premium paid.
If you have paid the additional premium for a sport or activity in Level 4 you will be covered for all sports and activities listed as Level 1, 2, 3 and 4.
If you have paid the additional premium for a sport or activity in Level 3 you will be covered for all sports and activities listed as Level 1, 2 and 3.
If you have paid the additional premium for manual work, a sport and activity in Level 2 you are covered for all sports and activities listed as Level 1 and 2.
Note: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity below for details:
Sport, Activity | Level | Special Conditions | Special Exclusions |
Abseiling (rappelling, rapping, rap jumping, deepelling, abbing) See also climbing and mountaineering | 1 | Special condition (a) applies | No Personal Accident Cover |
Acrobatics (see gymnastics or trapeze) | |||
Aerial safari | 1 | Special condition (a) applies | No Personal Accident Cover |
Aerobics | 1 | ||
Air guitar | 1 | ||
American football (Gridiron) | 3 | No Personal Accident or Personal Liability Cover | |
Angling (see fishing) | |||
Athletics | 1 | ||
Australian Rules Football (AFL) | 2 | No Personal Accident Cover | |
Backpacking (see hiking) | |||
Badminton | 1 | ||
Ballet | 1 | ||
Banana boat rides | 1 | Special condition (a) applies | |
Baseball | 1 | ||
Basketball | 1 | ||
Bicycle polo | 2 | ||
Biking (see cycling, mountain biking or snow biking) | |||
Black water rafting (cave tubing) (grades 1-5) | 1 | Special condition (a) applies | No Personal Accident Cover |
Boating (inland and coastal waters) see also speed boating and sailing. | 1 | Special condition (a) or (b) applies | No white water cover. No Personal Liability Cover |
Boating (outside coastal waters) see also speed boating, and sailing | 2 | Special condition (a) or (b) and special condition (c) applies | No Personal Accident or Personal Liability Cover |
Bobsled/Bobsleigh | 4 | Special condition (a) applies | No Personal Accident or Personal Liability Cover |
Bouldering (see rock climbing) | |||
Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & boules) | 1 | ||
Boxing (gym or outdoor training) no competition or bouts | 2 | ||
Bungee/bungy jumping | 1 | Special condition (a) applies | |
Bushcraft (see hiking) | |||
Bushwalking (see hiking) | |||
Camel riding (day tour) | 1 | Special condition (a) applies | No Personal Liability Cover |
Camel trekking (overnight/main mode of transport) | 2 | No Personal Liability Cover | |
Camping up to 3,000 metres (see also hiking, mountaineering and expeditions) | 1 | ||
Camping up to 4,500 metres (see also hiking, and mountaineering) | 2 | ||
Camping up to 6,000 metres (see also hiking and mountaineering) | 3 | ||
Canoeing (grades 1-3) (see kayaking) | |||
Canyon swing | 2 | Special condition (a) applies | |
Canyoning | 3 | No Personal Accident Cover | |
Capoeira dancing (see dance) | |||
Caving (sightseeing/tourist attraction) | 1 | Recreational visit only | |
Cheerleading | 1 | ||
Clay pigeon shooting | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Climbing (see rock climbing or ice climbing) | |||
Cricket | 1 | ||
Croquet | 1 | ||
Cruising (cruise ship) | 1 | ||
Curling | 1 | ||
Cycle racing / time trial | 2 | No Personal Liability Cover | |
Cycling (incidental to the trip) | 1 | No Personal Liability Cover | |
Cycling (independent cycle touring) | 2 | No Intercontinental touring. No Personal Liability cover | |
Cycling (on an organised tour) | 1 | Special condition (a) applies | No Intercontinental touring. No Personal Liability cover |
Dance (ballet, ballroom, capoeira, salsa, interpretive dance) | 1 | ||
Darts | 1 | ||
Dirt boarding | 2 | No Personal Liability Cover | |
Diving (see free diving, cliff diving or scuba diving) | |||
Dodge ball | 1 | ||
Dogsledding (on recognised trails) | 1 | Special condition (a) applies | Remote areas, racing, time trials and endurance events |
Dragon boating (inland or coastal waters only) | 1 | ||
Dune buggy | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Elephant riding | 1 | Special condition (a) applies | |
Elephant trekking (overnight/main mode of transport) | 2 | No Personal Liability Cover | |
Fell running/walking (see hiking) | |||
Fencing | 1 | No Personal Liability Cover | |
Fishing (ice) | 1 | Special condition (a) or (b) applies | |
Fishing (inland or coastal waters) | 1 | Sports / leisure fishing only - no commercial or rock fishing | |
Fishing (outside coastal waters, deep sea fishing) | 2 | Special condition (a) or (b), and condition (c) applies | Sports / leisure fishing only - no commercial |
Fitness training | 1 | ||
Floorball | 1 | ||
Fly by wire | 2 | Special condition (a) applies | |
Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter) | 1 | Special condition (a) applies | |
Flying (as a passenger in a glider or ultralight) | 4 | No Stunt flying/aerobatics or commercial flying. No Personal Accident | |
Flying (as a pilot or passenger of a private light aircraft) | 4 | No Stunt flying/aerobatics or commercial flying. No Personal Accident or Personal liability Cover | |
Flying (Gliding) | 4 | Special condition (a) or (b) applies | No Personal Accident or Personal Liability Cover |
Football (Soccer) including 5 a side | 1 | ||
Frisbee | 1 | ||
Glacier walking (ice walking) | 1 | Special condition (a) applies | |
Go karting | 1 | Special condition (a) applies | No Personal Liability Cover |
Golf | 1 | ||
Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts) | 1 | ||
Gymnastics (also see acrobatics) | 1 | ||
Handball | 1 | ||
Hang gliding | 4 | Special condition (a) applies | No Personal Accident or Personal Liability Cover |
High diving up to 10 metres (excluding cliff diving) | 1 | ||
Hiking up to 3,000 metres (scrambling, hillwalking) - see also mountaineering | 1 | No cover where ropes, picks or other specialist climbing equipment is required | |
Hiking up to 4,500 metres (scrambling) on recognised routes - see also mountaineering | 2 | No cover where ropes, picks or other specialist climbing equipment is required | |
Hiking up to 6,000 metres (scrambling) on recognised routes - see also mountaineering | 3 | No cover where ropes, picks or other specialist climbing equipment is required | |
Hockey | 1 | ||
Horse riding (equestrian, dressage, show jumping, eventing) | 3 | No Personal Accident or Personal Liability Cover | |
Horse riding (leisure/social/non-competitive riding) | 1 | No Racing, jumping or competitions. No Personal liability Cover | |
Hot air ballooning (ballooning) | 1 | Special condition (a) applies | No Personal Liability Cover |
Hunting (excluding Big Game) | 1 | Special condition (a) or (b) applies | No Cover for Big Game Hunting. No Personal Liability Cover |
Hydrofoiling (see water skiing) | |||
Ice climbing (see mountaineering) | |||
Ice hockey (indoor) | 4 | No Personal Accident or Personal Liability Cover | |
Ice skating (indoor) | 1 | ||
Ice skating (outdoor) on a commercially managed rink | 1 | Special condition (a) applies | |
In-line skating | 1 | ||
Jet boating (inland/coastal waters only) | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Jet skiing (inland/coastal waters, grades 1-2 only) | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Kayaking/Canoeing (inland/coastal waters, grades 1-3 only, sea kayaking/sea canoeing) | 1 | ||
Kite boarding (on land or water) | 1 | ||
Kite buggy | 2 | No Personal Liability Cover | |
Kite flying | 1 | ||
Kite surfing | 1 | ||
Kite wing (land, water) | 2 | No Personal Liability Cover | |
Kite wing (snow) | 4 | No Personal Accident or Personal Liability Cover | |
Korfball | 1 | ||
Lacrosse | 1 | ||
Land surfing | 2 | No Personal Liability Cover | |
Martial arts (Judo & Karate only) no competition or bouts | 2 | Special condition (a) applies, non-competitive only | No Personal Accident or Personal Liability Cover |
Martial arts training (non-contact) | 1 | ||
Moped riding/scooter biking | 1 | Special condition (b) applies, a helmet must be worn | No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover |
Motor racing experience (passenger only) | 1 | Special condition (a) applies | |
Motor biking (on road over 125cc) | 2 | Special condition (b) and a helmet must be worn | No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover |
Motor biking (on road under 125cc) | 1 | Special condition (b) and a helmet must be worn | No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover |
Motor biking / trail biking ( off-road 125cc or over) | 4 | Special condition (b) and a helmet must be worn | No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover |
Motor biking / trail biking ( off-road under 125cc) | 3 | Special condition (b) and a helmet must be worn | No Touring or where a motorbike is the main mode of transport. No Personal Liability Cover |
Motorbiking pillion passenger (on road only) see Motorbiking | |||
Mountain biking (on road) (see cycling) | |||
Mountain biking - downhill (using downhill trails and/or mechanical lifts) | 2 | No Personal Liability Cover | |
Mountain biking general (off road/cross country) | 1 | No Personal Liability Cover | |
Mountaineering to 6000 metres (with ropes, picks or specialist climbing equipment) | 4 | We recommend you do not venture into any area without taking local advice and appropriate rescue equipment. | See special exclusion (iii). No Personal Accident Cover. |
Netball | 1 | ||
Obstacle course/assault course/trim trail (see outdoor endurance) | |||
Orienteering | 1 | ||
Outdoor endurance courses up to 13 miles | 4 | ||
Outdoor endurance courses up to 3 miles | 1 | ||
Outdoor endurance courses up to 8 miles | 3 | ||
Outrigger canoeing (inland or coastal waters only) | 2 | ||
Outward Bound | 1 | Special condition (a) applies | |
Paint balling/airsoft | 1 | Special condition (a) applies | No Personal Liability Cover |
Parachuting (more than 1 jump) | 4 | Special condition (a) or (b) applies | No Personal Accident or Personal Liability Cover |
Parachuting (one jump only) | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Paragliding/parapenting | 4 | Special condition (a) or (b) applies | No Personal Accident or Personal Liability Cover |
Parasailing/Parascending | 4 | Special condition (a) or (b) applies | No Personal Accident or Personal Liability Cover |
Parasailing/Parascending (over water only) | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Quad biking | 1 | Special condition (a) or (b) apples, a helmet must be worn | No Personal Accident or Personal Liability Cover |
Racquetball | 1 | ||
Rambling. See hiking if above 3,000 metres. | 1 | ||
Rifle range/sports shooting | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
River boarding/hydro speeding (grades 1-3) See also canoeing. | 1 | Special condition (a) applies | |
Rock climbing (bouldering) | 2 | No Personal Accident Cover | |
Rock climbing (indoor) | 1 | No Soloing. No Personal Accident Cover | |
Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing) see also mountaineering | 2 | No Soloing No Personal Accident Cover | |
Roller hockey | 1 | ||
Roller skating | 1 | No cover for stunting | |
Rollerblading | 1 | No cover for stunting | |
Rounders | 1 | ||
Rowing/sculling (inland/coastal waters) | 1 | No white water | No Personal Liability Cover |
Rugby (League/Union) | 2 | No Personal Accident or Personal Liability Cover | |
Running (up to marathon distance) | 2 | ||
Running / jogging (half marathon distance or less) | 1 | ||
Safari tours | 1 | Special condition (a) applies | No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes elephants or bears |
Sail boarding (see wind surfing) | |||
Sailing (inland/coastal waters) | 1 | Special condition (a) or (b) applies | No Personal Liability Cover |
Sailing (outside coastal waters) | 2 | Special condition (a) or (b) and special condition( c) applies | No Personal Liability Cover |
Sandboarding/sand skiing | 1 | ||
Scuba diving (to 30 metres) | 1 | Special condition (e) applies | See Special Exclusion (ii). |
Scuba diving (to 50 metres) | 3 | Special condition (e) applies | See Special Exclusion (ii). No Personal Accident cover |
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor) | 1 | Special condition (a) applies | See Special Exclusion (ii). No Personal Accident cover |
Sculling (see rowing) | |||
Sea kayaking/ Sea canoeing (see kayaking) | |||
Segway tours | 1 | Special condition (a) apples, a helmet must be worn | No Personal Accident or Personal Liability Cover |
Shark cage diving (see scuba diving) | |||
Skateboarding (ramp, half pipe, skate park, street) | 1 | ||
Skiing (cross country/Nordic skiing on marked trails) | 3 | Special condition (d) applies | See special exclusion (i). |
Skiing (snowblading) | 3 | Special condition (d) applies | See special exclusion (i). |
Skiing / snowboarding | 3 | Special condition (d) applies | See special exclusion (i). |
Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring) | 4 | Special condition (d) applies | See special exclusion (i). No Personal Accident Cover |
Skiing / snowboarding (by helicopter/snow cat) | 4 | Special condition (d) applies | See special exclusion (i). No Personal Accident Cover |
Skiing / snowboarding (dry slope) | 3 | Special condition (d) applies | See special exclusion (i). |
Skiing / snowboarding (terrain park within resort) | 4 | See Special Exclusion (i). No Personal Accident cover | |
Skydiving/Tandem skydiving (over 1 jump) | 4 | Special condition (a) or (b) applies | No Personal Accident or Personal Liability Cover |
Skydiving/Tandem skydiving (one jump only) | 1 | No Personal Accident or Personal Liability Cover | |
Sledding/Tobogganing/Snow Sleds/Snow Sleighs (on snow) | 3 | No Personal Accident or Personal Liability Cover | |
Sleigh rides (horse drawn) | 1 | ||
Snooker | 1 | ||
Snorkelling | 1 | ||
Snow biking (on piste or off piste within resort boundaries) | 3 | See special exclusion (i). No Personal Accident Cover | |
Snow kiting | 4 | Special condition (a) applies | No Personal Accident or Personal Liability Cover |
Snow rafting | 4 | Special condition (a) applies | No Personal Accident or Personal Liability Cover |
Snowmobiling | 3 | Remote areas, racing, time trials and endurance events are excluded. No Personal Accident or Personal Liability Cover | |
Soccer | 1 | ||
Softball | 1 | ||
Spearfishing | 2 | No Personal Liability Cover | |
Speed boating (inland/coastal waters only) | 1 | Special condition (a) or (b) applies | No white water cover. No Personal Liability Cover |
Spelunking (see caving) | |||
Squash/Racquet ball | 1 | ||
Stand up paddle surfing/paddle boarding | 1 | ||
Stilt walking | 1 | ||
Stoolball | 1 | ||
Surf boat rowing | 1 | ||
Surfing | 1 | ||
Swimming (pool; enclosed, inland or coastal waters only) | 1 | ||
Swimming with whales/whale sharks (inside or outside coastal waters) | 1 | Special condition (a) applies | |
Table tennis | 1 | ||
Tandem skydiving (see skydiving) | |||
Tchoukball | 1 | ||
Ten pin bowling (see bowling) | |||
Tennis | 1 | ||
Theme parks / fairgrounds | 1 | Special condition (a) applies | |
Tough Mudder (see outdoor endurance) | |||
Trail bike riding (see motorbiking) | |||
Tramping (see hiking) | |||
Trampolining | 1 | ||
Trapeze/Hire Wire | 3 | Special condition (a) applies | No Personal Accident Cover |
Trekking (see hiking) | |||
Triathlon up to full distance | 4 | ||
Triathlon up to Middle Distance | 2 | ||
Triathlon up to sprint distance | 1 | ||
Tubing on rivers (see also black water rafting) | 1 | Special condition (a) applies | No Personal Accident Cover |
Tubing on snow | 4 | No Personal Accident or Personal Liability Cover | |
Tuk Tuk (as a passenger) | 1 | Special condition (a) applies | |
Ultimate Frisbee | 1 | ||
Via Ferrata | 2 | ||
Volleyball | 1 | ||
Wake skating | 1 | ||
Wakeboarding | 1 | ||
Wakeboarding (excluding jumps) - see water skiing | |||
Walking (see hiking, trekking) | |||
War games (online gaming) | 1 | ||
War games/military simulation (see Paint balling/airsoft OR Rifle range/sports shooting) | |||
Water polo | 1 | ||
Water skiing (barefoot) | 2 | No Personal Liability Cover | |
Water skiing/wakeboarding | 1 | Special condition (a) or (b) applies | No jumping, No Personal Liability Cover |
Weight training (see also gym training) | 1 | Powerlifting | |
White water kayaking/canoeing (see kayaking/canoeing) | |||
White water rafting (grades 1-5) | 1 | Special condition (a) applies | |
Windsurfing (inland or coastal waters only) | 1 | No Personal Liability Cover | |
Working - Any professional, clerical or administrative work, working as a classroom teacher, classroom assistant, au pair, nanny or child minder. | 1 | No Personal Liability Cover | |
Working - retail, bar or hospitality work involving light duties only. | 1 | No Personal Liability Cover | |
Working - general work and manual work not involving the use of mechanical or industrial machinery, and not working at a height exceeding 2 metres above ground level. | 2 | No Personal Liability Cover | |
Yachting (see sailing) | |||
Yoga (class, alone/home practice) | 1 | ||
Zip line | 1 | Special condition (a) applies | |
Zorbing | 2 | Special condition (a) applies | No Personal Accident or Personal Liability Cover |
Special Conditions
Special Exclusions
Cover does not apply if you are:
If you have purchased Explorer Cover, we will pay up to the amount shown on the Summary of Cover for:
This section provides cover for the insolvency of any travel arrangements booked before departure, which do not form part of an inclusive holiday or are booked or insured already.
These would include: Scheduled Airlines / Hotels / Car ferries / Villas abroad & cottages in the United Kingdom / Railway journeys including the Eurostar / Coach journeys / Car hire / Caravan Sites / Campsites / Mobile Homes / Camper rental / Safaris / Excursions / Eurotunnel / Theme parks such as Disneyland Paris.
You are covered up to the limit shown on the Summary of Cover for:
In the case of insolvency after departure as set out in 2a) and 2b) above where practicable you should obtain our approval prior to incurring the relevant costs.
You are not covered for anything caused directly or indirectly by the following, unless you have contacted us and we have confirmed in writing that you will be covered:
Your claim can be submitted by signing in to your World Nomads membership at www.worldnomads.com or by email at claims@mstream.co.uk or by phone on +44 (0)330 660 0549.
Before you do this, check this policy wording and refer to the notes below to make sure your claim is valid
Medical Claims - If serious injury is incurred in which you are admitted to hospital, call our 24 hour Emergency Assistance Service on +44 (0)20 7183 3751 as soon as possible. You will be given advice on what to do and the assistance you require. All original receipts for medical consultations / treatment / medication etc. should be retained and submitted to support your claim. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim).
Cancellation Claims - The travel agent, tour operator, provider of transport or accommodation must be contacted immediately and you must obtain a cancellation invoice. The original tickets and booking forms/receipts will also be required to support your claim. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549. They will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the cancellation).
Curtailment Claims - Call the 24 hour Emergency Assistance Service on +44 (0)20 7183 3751. Their authorisation must be obtained before you cut short your trip. All original ticket stubs/booking forms/receipts should be retained and submitted to support your claim. Contact the Claims Service for a claim form on +44 (0)330 660 0549 when you return home. They will advise you of any additional supporting documentation required (this will be dependent upon the reason for the curtailment).
Personal Liability and Legal Expenses - Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit liability at any time. The Claims Service must be notified immediately by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549.
Personal Baggage - Delayed - A written report from the carrier (e.g. airline, shipping company etc.) is required detailing the length and cause of the delay. Retain all the receipts which relate to any emergency replacement items you have purchased. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549.
Personal Baggage - Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the loss/theft. If the loss occurs during travel, you must obtain a property irregularity report from the carrier. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549.
Money Claims - Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the loss/theft. You may be asked to provide proof of the withdrawal of the money from the bank. Please remember that the loss of money must occur whilst it is carried on your person or whilst it is left in a locked safety deposit box. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549.
Travel Delay, Abandonment, Missed Departure and Uninhabitable Accommodation Claims - we will require the following evidence where relevant:
Political Unrest and Natural Catastrophe Evacuation Claims - if an event occurs which may result in you needing to leave a country you must contact Security Exchange immediately on +44 (0)20 3284 8844, you will be given advice on what to do and the assistance that can be provided.
Collision Damage Waiver Excess Claims - Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0549. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the incident giving rise to a claim). Invoices, original receipts and other documents confirming the amount you have paid in respect of the accident/damage or loss for which the vehicle rental company holds you responsible should be retained along with a copy of the rental contract and law enforcement / police report (if applicable) submitted to support your claim. A copy of the driving licence of the person involved in any accident (the driver) will also be required.
Financial Failure Protection Claims - To claim, either visit the IPP Website at www.ipplondon.co.uk and download a claim form or write to IPP Claims Office, 22-26 Station Road, West Wickham Kent, BR4 0PR, tel +44 (0)20 8776 3752, email info@ipplondon.co.uk. The claim should be advised to us as soon as reasonably practicable and in any event within 14 days. IPP will only accept claims submitted up to six months after the failure. Any claims submitted after the six month period will NOT be processed.
Out-Patient and Minor In-Patient Treatment - If you need out-patient medical treatment (no hospital admission) or minor in-patient treatment (less than 3 days hospitalisation) please provide a copy of your Certificate of Insurance to the doctor and your treatment will be paid by Charge Care International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to Charge Care International for repayment.
This service is available in the following selected countries:
Out-Patient treatment: SPAIN, GREECE, CYPRUS, TURKEY and PORTUGAL
Minor In-Patient treatment: SPAIN, GREECE and CYPRUS
We aim to provide a first class level of service at all times. If, for any reason, you feel that our service is not of the standard you would expect, please tell us. You should address any enquiries or complaints (quoting the policy number on your Certificate of Insurance), in writing to:
The Managing Director,
Millstream Underwriting Limited
52 - 56 Leadenhall Street
London, EC3A 2DX United Kingdom
OR
By email mail@mstream.co.uk
Please supply us with your name, address, policy number or claim number and enclose copies of relevant correspondence as this will help us to deal with your complaint in the shortest time possible.
If you are still dissatisfied, at this stage you may contact the Financial Services Ombudsman (FSO). The FSO is an independent body that arbitrate complaints about general insurance products. It will consider complaints after we have provided you with written confirmation that our internal complaints procedure has been exhausted. The Ombudsman can be contacted at:
The Financial Services Ombudsman's Bureau
3rd Floor, Lincoln House, Lincoln Place
Dublin 2
Telephone: 01 662 0899, Fax: 01 662 0890, Email: enquiries@financialombudsman.ie
Please note that the Financial Ombudsman Service will not consider your complaint until you have received a final decision from Millstream Underwriting Limited.
For complaints relating to Section 19 Financial Failure Protection in the first instance please contact:
The Claims Manager,
IPP Claims Office,
IPP House,
22-26 Station Road,
West Wickham,
Kent, BR4 0PR
Information about your policy may be shared between World Nomads Limited, Millstream Underwriting Limited, AWP P&C SA, AWP Assistance UK Ltd, International Passenger Protection Limited and certain underwriters at Lloyd's for underwriting purposes.
Please note that sensitive health and other information you provide may be used by us, our representatives and other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure that your information is held securely.
Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Unless agreed otherwise, Irish law will apply and all communications and documentation in relation to this policy will be in English.
This contract of insurance is intended solely for the benefit of you and us. Unless otherwise specifically provided, nothing in this contract of insurance shall be construed to create any duty to, or standard of care with reference to, or any liability to, any person or entity not a party to this contract of insurance.
Travel insurance from World Nomads is underwritten by Millstream Underwriting Limited on behalf of AWP P&C SA. AWP Assistance UK Ltd is the appointed administrator for AWP P&C SA in the United Kingdom.
Section 19 Financial Failure Protection of this travel insurance is insured by certain underwriters at Lloyd's and is administered by International Passenger Protection Limited (IPP). Certain underwriters at Lloyd's are authorised and regulated by the Financial Conduct Authority (FCA), for further information contact IPP.
Millstream Underwriting Limited (FCA Firm Ref: 308584), AWP Assistance UK Ltd (FCA Firm Ref: 311909) and International Passenger Protection Limited (FCA Firm Ref 311958) are authorised and regulated by the Financial Conduct Authority (FCA) and listed under the Insurance Mediation Directive as passported entities in Ireland. Their registration can be checked with the FCA by visiting www.fca.org.uk/firms/systems-reporting/register or by contacting them on +44 (0) 20 7066 8348.
AWP P&C SA is authorised by L'Autorité de Contrôle Prudentiel et de Résolution in France and is regulated by the Central Bank of Ireland for conduct of business rules.
Millstream Underwriting Limited and AWP Assistance UK Ltd will act as agents for AWP P&C SA with respect to the receipt of customer money and for the purpose of settling claims and handling premium refunds.
Millstream Underwriting Limited, Registered in England No. 3896220, Registered Office: 52-56 Leadenhall Street, London EC3A 2DX.
AWP Assistance UK Ltd, Registered In England No. 1710361. Registered Office: Mondial House, 102 George Street, Croydon CR9 1AJ.
International Passenger Protection Limited will act as agents for certain underwriters at Lloyd's with respect to the receipt of customer money and for the purpose of settling claims.
On behalf of International Passenger Protection Limited, Millstream Underwriting Limited will act as agent for the receipt of customer money and handling premium refunds.
For your added protection, the insurer is covered by the Insurance Compensation Fund in Ireland. You may be entitled to compensation from the scheme if the insurer cannot meet its obligations.
The insurer has paid or will pay the appropriate Stamp Duty in accordance with the provisions of Section 5 Stamp Duties Consolidation Act 1999.