World Nomads Travel Insurance

Policy Wording

In a nutshell

World Nomads supports a global community of independent and adventurous travellers by providing a range of travel services including this travel insurance policy. This policy is arranged and managed by Nomadic Insurance Benefits Limited, and it is underwritten by us, Certain Underwriters at Lloyd's (the insurer, incorporated in the United Kingdom).

This policy wording explains the cover provided for a range of unexpected situations as you travel, work, volunteer or study overseas so you can decide if the policy meets your needs.

5 key things you need to know

1. Buying this policy

  1. You can buy this policy to travel overseas if you're a British citizen or resident of the United Kingdom, you will be 64 years old or younger at the time you buy or extend your policy, and you agree to be repatriated to the United Kingdom in a medical emergency. Refer to ‘Who is eligible for cover’ in the How it Works section below.
  2. You can buy online, even when you’re already travelling outside the United Kingdom.
  3. You have a choice between a Standard Plan and an Explorer Plan, each with different policy benefits and limits to cover.
  4. You can increase cover for high value items or for certain adventure sports, work and volunteer activities.
  5. You have up to 14 days from the time you're issued your Certificate of Insurance and policy wording to decide if this policy is right for you and cancel your policy (this is your cooling-off period); refer to Your cancellation rights / cooling-off period for details.
Why bother reading it? Isn't it just fine print?

Never assume you'll be covered because you think that's what travel insurance is for.

Please take the time to read your policy carefully to know what's covered, what's not covered, the limits to cover and the exclusions. If you don't understand it, just ask World Nomads.

2. How this policy works

  1. Your actions and the situations you find yourself in may impact how this policy works and the coverage available under these situations. This policy was never designed to cover everything. There are certain things which will limit or exclude cover, so you should read all sections of this policy to see ‘What's covered & not covered including the General Exclusions which are applicable to all sections. A policy excess or waiting period may also apply.
  2. You can return home for a visit at your own expense and resume your trip under the same policy before the policy end date. If you decide to end your trip early or you don't resume your trip after being repatriated, your cover ceases, and we will not refund you the unused portion of your premium.

3. Medical cover limitations

  1. This is not a private medical insurance policy. It will not cover all of  your medical expenses, particularly for medical treatment not considered necessary by our medical specialists or for any medical treatment while in the United Kingdom.
  2. This policy excludes cover for pre-existing medical conditionsof youyour travelling party and close relatives and any other person upon whom your trip depends, which exist before you buy this policy.
  3. If you become suddenly ill or injured, we have the option to repatriate you to the United Kingdom for treatment if you're medically unfit to continue your trip.

4. Other key conditions to cover

  1. This policy covers unexpected and unforeseen events and accidents, including specific  Insured Events  under Sections 2 and 3 causing your trip to be cancelled, curtailed or interrupted. We won't cover you for cancellation or other expenses if you simply change your mind We may limit your cover if your travel provider offers you an alternative, refund or credit. If an event is not specifically listed as an Insured Event, there is no cover for that event.
  2. We cannot pay you for expenses you would usually have; this includes a return flight home if you're travelling on a one way ticket. For example: if it's determined that you should be repatriated home for medical treatment, we'll expect you to pay the equivalent of an Economy Class airfare to return home; however, if medically necessary, we'll pay for any upgrade costs to travel home.
  3. This policy does not automatically provide cover for the full replacement value of any baggage and personal items, which may be more appropriately covered under a household All Risks Section or a separate All Risks policy.
  4. Certain additional limits apply to children under 16 years old as shown in the Summary of Cover . No cover is provided for permanent total disablement under Section 6 Personal Accident if you are under the age of 16 at the time of the accident.
  5. This policy is not rental vehicle insurance, it does not provide damage waiver cover, nor does it replace the need for you to purchase rental vehicle insurance, damage waiver cover or third party liability cover through the rental vehicle company for when a rental car is in your care or control.
  6. If you’re using a mechanical or motorised vehicle during your trip, ensure you’re adequately insured elsewhere, as you are not covered under this insurance for third party liability in respect of any mechanical or motorised vehicle.
  7. If you're intending to rent a car or motorbike or participate in some adventure sports, you must check the licensing and local laws for the country you're going to. You must also have a valid licence at home for the class of motorised vehicle you may be renting. If you're renting a motorbike or moped, you may also need to pack a helmet if legally required at home or make sure you're provided with one when you get there.
  8. There's no cover for any expenses while in the United Kingdom.

5. What you should do

  1. It's your responsibility to read this policy wording carefully to help you understand the terms and conditions and limits that apply, what you need to do to activate the coverage and how you can make a claim for expenses or get help if you need it. Where you don’t meet our conditions, we may limit or reduce your claim by the amount we have been disadvantaged.
  2. You should check that your Certificate of Insurance includes the correct cover you have selected, including cover for certain activities and any specified items.
  3. You should check that information you have given us is accurate; if it’s not, you should contact our customer service team as soon as possible to make the changes you require;
  4. You or someone acting on your behalf should contact our emergency assistance team for help when possible if you're sick, injured, need emergency transport or repatriation before you commit to additional expenses.
  5. You should take all reasonable steps to minimise your expenses; for example: consider the standard of travel you are taking; and approach any additional cost as though you didn’t have travel insurance.
  6. Where you may be able to claim against another insurer,  a service provider or other party for costs you incur, we ask that you obtain their contact details and copies of all correspondence you have with them to assist our recovery of any amount we pay you under this policy.

Summary of Cover

World Nomads offers you a choice between a Standard Plan and an Explorer Plan, with different benefits, limits and sub-limits for each plan.

The table below is only a summary of the cover we provide. You should read each policy section for a full description of the coverage, terms, conditions and exclusions that apply. You should also read the General Exclusions which are applicable to all sections of this policy.

The benefit limits and sub-limits shown are the maximum amounts payable per person insured for events occurring within the insurance cover period.

When you make a claim, an excess, as shown in the table, will be deducted under certain sections. The excess is applicable per person insured, per insured incident. The medical excess is increased up to £500 for emergency medical evacuation by air ambulance or helicopter services within Nepal. A waiting period may also be applied per benefit, as shown. For more information, refer to Policy excess & waiting periods.

Benefits, Limits and Sub-limits
(per person insured)
Standard Plan Explorer Plan Excess / Waiting period Exclusions
Section 1 - Emergency Medical & Dental Expenses Overseas
  1. Emergency medical treatment
  2. Hospital charges
  3. Prescribed medicines
  4. Prescribed physiotherapy treatment in hospital
1.3 Accompanying person in hospital or during your repatriation
£5,000,000 £10,000,000 £100 / £500* (*Medical evacuation services within Nepal) Section 1 and General Exclusions
1.4 Out-of-pocket expenses in hospital (daily cash benefit after 24 hours)
£200 (£20 each 24 hours) £1,000 (£50 each 24 hours) Nil

Section 1 and General Exclusions

£150 £500 £100

Section 1 and General Exclusions

1.6 Emergency dental treatment (sudden and acute pain)
£300 £500 £100

Section 1 and General Exclusions

1.7 Counselling services after assault or psychological trauma
£250 £250 Nil

Section 1 and General Exclusions

£5,000 £5,000 Nil

Section 1 and General Exclusions

Section 2 – Cancellation, Curtailment & Trip Resumption
2.1 Cancellation - for up to 9 Insured Events
£3,000 £5,000 £100 Section 2 and General Exclusions
› Tuition/course fees
£1,000 £1,500 £100 Section 2 and General Exclusions
£3,000 £5,000 £100 Section 2 and General Exclusions
Not covered £1,500 £100 Section 2 and General Exclusions
Section 3 – Trip Interruption
3.1 Travel delay (more than 12 hours)
       
a) phone, internet, refreshments; OR Not covered £200 (£50 each 12 hours); or Nil Section 3 and General Exclusions
b) additional travel and accommodation Not covered £1,000 £100 Section 3 and General Exclusions
Not covered £1,000 £100 Section 3 and General Exclusions
Not covered £1,000 £100 Section 3 and General Exclusions
3.4 Hijack
Not covered £2,000
(£100 each 24 hours)
Nil Section 3 and General Exclusions
Section 4 - Your Belongings
  1. Loss, theft, damage or destruction
  2. Theft, loss or accidental damage by a common carrier
£1,000 £2,000 £100 Section 4 and General Exclusions
> Single item limit
£125/item £250/item £100 Section 4 and General Exclusions

> Total Valuables Limit

£250 £500 £100 Section 4 and General Exclusions

› Baggage delay over 24 hours

£100 £200 24 hours Section 4 and General Exclusions
4.2 Money
Not covered £500 £100 Section 4 and General Exclusions

› Cash limit

  £200 £100 Section 4 and General Exclusions

› Cash limit (under age 16)

  £50 Nil Section 4 and General Exclusions
£300 £600 Nil Section 4 and General Exclusions
Optional upgrade £1,250 Optional upgrade £2,000 £100 Section 4 and General Exclusions

› Sub limit for each item

£400/item £750/item £100  
Section 5 - Rental Car Excess
5.1 Theft or damage insurance excess (Collision Damage Waiver Excess)
Not covered £1,500 Nil Section 5 and General Exclusions
5.2 Rental car key replacement
Not covered £500 Nil Section 5 and General Exclusions
Section 6 - Personal Accident
6.1 Permanent total disablement, loss of limbs, loss of sight
£10,000 £25,000 Nil Section 6 and General Exclusions
› Not covered under age 16
       
Section 7 - Personal Liability
£2,000,000 £2,000,000 £100 Section 7 and General Exclusions
Section 8 - Adventure, Work, Study & Volunteer - For adventure sports and activities, non-manual and manual work, study and volunteer experiences.
Level 1  View list
Included automatically Included automatically ^ Section 8 and General Exclusions.

Certain sports and activities are not covered

Level 2 (Optional) View list
Optional upgrade to include Levels 1 & 2 Optional upgrade to include Levels 1 & 2 ^ Section 8 and General Exclusions.

Certain sports and activities are not covered

Level 3 (Optional) View list
Optional upgrade to include Levels 1 and 2 and 3 Optional upgrade to include Levels 1 and 2 and 3 ^ Section 8 and General Exclusions.

Certain sports and activities are not covered

Level 4 (Optional) View list
Optional upgrade to include all levels Optional upgrade to include all levels ^ Section 8 and General Exclusions.

Certain sports and activities are not covered

^ An excess and/or waiting period applies per person insured per event, depending on the situation and benefit claimed from participating in these adventure sports, work, study or volunteer activities. See Sections 1 to 8 for details.
Special Feature - Homesick Visit
You can return home for any non-claimable reason and resume your trip under the same policy period. Cover ceases for your visit, and you are not covered for any incidents that occurred while in the United Kingdom, nor for any treatment or other expenses related to these incidents.
Included Included N/A No cover for any expenses incurred to return home, during home visit, or to resume trip.

How it works

This policy wording, your Certificate of Insurance and any changes or endorsements form a contract of insurance between you (the insured(s) named on the Certificate of Insurance) and us (Certain Underwriters at Lloyd’s), and explains the definitions, conditions, limits and exclusions 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 and understand this insurance policy and ensure that you have the cover you need for your trip. Please keep this insurance policy and all other relevant documentation in a safe place.

Please check the details of your Certificate of Insurance, and contact World Nomads if it’s incorrect. It’s up to you to make sure your details are accurate and you purchase the cover you need.

Who is eligible for cover?

You are eligible for cover under this insurance if you are a British citizen or resident of the United Kingdom and you:

  1. will be 64 years old or younger at the time you buy or extend your policy; and
  2. have unrestricted right of entry into the United Kingdom; and
  3. have access to long-term medical care in the United Kingdom; and
  4. have a permanent residential address in the United Kingdom

Please note that in the event of a medical repatriation, we will return you to the United Kingdom to reduce our costs, and your cover under this policy will cease (subject to Section 2.3 Trip resumption, where applicable).

One of the travelling adults must be the legal guardian of the accompanying dependents insured on the same policy. There is a maximum of 2 adults per policy and 8 dependents that can be insured per policy. To insure more than 2 adults or more than 8 dependents, additional policies must be purchased.

Cover is only available for a trip outside of the United Kingdom for British citizens and residents of the United Kingdom. You may currently be in the United Kingdom or travelling outside the United Kingdom when you buy or extend this policy.

Only those people named on your Certificate of Insurance are covered by your policy; however, the personal circumstances of your travelling party or close relatives may affect what you can and cannot claim, such as when your trip is impacted by someone’s pre-existing medical condition.

You should carefully read this policy wording, including the section Health conditions & your policy, to understand the special conditions relating to people not named on your Certificate of Insurance.

Policy excess & waiting periods

An excess and/or waiting period applies for certain claims related to a single event as shown in the  Summary of Cover and described in each section of What's covered & not covered.

Policy excess

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. Where applicable, the excess will be deducted from your claim before we pay you. If your combined expenses for any one event are less than the excess, we will not reimburse you. The excess is applied per person insured, per insured event as follows:

Cover section Excess amount

Emergency Medical & Dental Expenses Overseas.

* Note - Nepal Air Ambulance /Helicopter Services: an excess of a maximum, of £500 applies to Emergency Medical & Dental Expenses Overseas in the event medical emergency evacuation by air ambulance or helicopter services are required in Nepal.

£100 or £500*

Out of pocket expenses in hospital; Counselling services after assault or psychological trauma; Local funeral expenses or repatriation of remains; Travel delay (phone, internet, refreshments); Hijack; Baggage delay; Cash (under age 16 only); Passport and travel documents; Rental car theft or damage insurance excess; Personal accident.

No excess applicable

All other cover sections

£100

Waiting periods

This is the amount of time you have to wait before cover under your policy is activated and/or before a benefit becomes payable. There are two types of waiting periods:

  1. Once cover is activated, a 12 or 24 hour waiting period applies to certain benefits, shown in the Summary of Cover and the applicable benefit sections under What's covered & not covered, before a benefit becomes payable; and
  2. If you buy a policy while travelling overseas, you have to wait 72 hours (waiting period) before any cover is activated, as explained in When cover starts & ends.

Any applicable 12 or 24 hour waiting period will then be applied after the 72 hours or after the policy start date shown on your Certificate of Insurance, whichever comes later.

Why do I have to wait for cover?

waiting period reduces the likelihood of travellers making claims as soon as they purchase insurance. It also helps to keep the price lower for everyone.

When cover starts & ends

If you are eligible for cover, the policy is only valid once the premium is paid and we issue a Certificate of Insurance through your World Nomads membership.

Coverage is activated depending on where you are when you buy or extend the policy, the date of purchase, the date you choose the cover to start (start date), the date your trip actually starts and the date you choose your cover to end (end date).

Cover starts

The start of cover depends on whether you buy a policy at home or when already overseas (including when you extend your policy) and if the 72 hour waiting period applies, according to the following table.

What are you doing? Where are you? Is there a waiting period? Is there a waiting period? When does cover start?
Buying a new policy
In the United Kingdom No  
  1. Cancellation cover (Section 2.1) begins from when we issue your Certificate of Insurance; and
  2. All other cover begins from when you leave your home to commence your trip between the policy start date and end date shown on your Certificate of Insurance
Buying a new policy Outside of the United Kingdom Yes, depending on the start date you choose compared to the time your Certificate of Insurance is issued: If policy start date is within 72 hours of the issue date of your Certificate of Insurance:
  1. No cover is provided for Cancellation (Section 2.1) of your trip. However, all other cover begins 72 hours from when we issue your Certificate of Insurance; however,
  2. If after the policy start date and before the end of the 72 hour waiting period you suffer an injury as a result of an accident, there is cover (excluding Section 2.1) from the time of the accident, subject to the accident being witnessed and verified by an independent third party. Any other injury or illness occurring during the waiting period will be considered a pre-existing medical condition and not covered under the terms of this policy.
  3. All other cover still begins 72 hours from when we issue your Certificate of Insurance.
Buying a new policy Outside of the United Kingdom Yes, depending on the start date you choose compared to the time your Certificate of Insurance is issued: If policy start date is 72 hours or more after the issue date of your Certificate of Insurance:
  1. No cover is provided for Cancellation (Section 2.1) of your trip.
  2. All other cover begins on the start date shown on your Certificate of insurance and for events first occurring after that time.
Extending your policy
Outside of the United Kingdom or in the United Kingdom No, as long as you extend your policy before 11:59pm GMT on the end date shown on your Certificate of Insurance:  

You will have continuous cover, subject to the conditions described in the following section Extending your policy. The maximum duration available for any policy, including extensions, is 12 months (366 days) from the start date.

Extending your policy   You cannot extend your policy once it has lapsed, but you can buy a new policy.  

In this table above, refer to 'Buying a new policy'. The start of cover depends on when you buy your new policy.

Cover ends

Section 2.1 Cancellation cover ends when you leave your home (or when you leave the United Kingdom, for Insured Events 8 and 9 applicable to the Explorer plan) between the policy start date and end date shown on your Certificate of Insurance. If you buy your policy while already overseas, there is no cover provided under Section 2.1 Cancellation.

All other cover under your policy ends at 11:59pm local time, wherever you are in the world, on the end date shown on your Certificate of Insurance or when you return home to end your trip, whichever happens first. Coverage also ends at that time for any ongoing medical treatment you were receiving under this policy for an injury or illness which first occurred during the period of insurance.

HOWEVER, the option to extend your policy may end earlier than when your cover ends (so ensure you allow sufficient time for any extension to be processed). The option to extend your policy ends at 11:59pm GMT on the end date shown on your Certificate of Insurance.

The maximum duration available for any policy, including all extensions, is 12 months (366 days) from the start date. For further details on extensions and eligibility criteria, refer to Extending your policy.

Delayed returning home?

If you're unexpectedly and unavoidably delayed returning home following an event covered under the policy (e.g. you become ill and you're unable to travel; your passport is stolen and you have to replace it before you can travel), your policy will be automatically extended up to a maximum of 30 consecutive days beyond your end date shown on your Certificate of Insurance. You must notify our emergency assistance team or us of your delay as soon as possible. If we determine the event is not covered under the policy, we will inform you and the automatic cover will immediately cease.

Returning home early?

If you choose to end your trip early for any reason, we won't reimburse any premium for any unused portion of your policy. If you return home early due to a Medical transport & repatriation (Section 1.2) or Curtailment (Section 2.2), you can resume your trip under the same insurance period before the end date shown on your Certificate of Insurance if you qualify for Trip Resumption (Section 2.3). The medical condition for which you returned home will now be considered a pre-existing medical condition and no longer covered should you resume your trip.

After resuming your trip, cover resumes only until the end date shown on your Certificate of Insurance or when you again return home, whichever happens first. If you decide not to resume your trip, we won't refund any unused portion of your premium.

Feeling homesick?

You can take a break from your travels to return to the United Kingdom at your own expense and then resume the trip before the end date shown on your Certificate of Insurance.

Your policy excludes cover for expenses incurred to return home for a non-claimable reason (unless it is covered under Section 1.2 - Medical transport & repatriation or Section 2.3 – Trip Resumption), including expenses incurred to return to the United Kingdom, while in the United Kingdom, and to resume your trip.

If you return home, for any reason, it doesn't change the end date of your policy. All cover ceases during your visit home until you resume your trip overseas. After resuming your trip, cover resumes only until the end date shown on your Certificate of Insurance or when you again return home, whichever happens first. However, you will not be covered for any costs arising from events that occurred while you were in the United Kingdom. If you decide not to resume your trip, we won't refund any unused portion of your premium.

Any illness or injury you have which first comes into existence, shows symptoms, is diagnosed or treated in the United Kingdom before you resume your trip will not be covered in the remaining insurance period, as it will be considered a pre-existing medical condition from the time you resume your trip.

Health conditions & your policy

Travel insurance only provides medical cover for emergency medical events that occur overseas and that are sudden and unforeseen.

Carefully consider your medical history, as well as the health of your close relatives, others in your travelling party and anyone else, as your and their conditions (past or present) may affect your trip and your cover.

When medical-related situations aren’t covered

We do not cover claims resulting from any pre-existing medical conditions which affect you, your travelling party or other people upon whom your trip depends. Importantly, other people listed on your Certificate of Insurance will not have cover for their claims relating to your pre-existing medical conditions. You can still buy this travel insurance if you have a pre-existing medical condition, but we won't cover any claim arising from the condition, including a curtailment claim.

You may have to pay for all expenses incurred as a result of a pre-existing medical condition, which can be prohibitive in some countries

Our assessment of a medical-related claim will include verifying when you booked segments of your trip, when you purchased your travel insurance and when symptoms and/or treatment occurred.

You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

This is not a Private Medical Insurance Policy

This is accident and emergency cover only and is not a private medical insurance policy. It only covers you if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip.

The attending medical practitioner and our emergency assistance team, on the advice of a medical practitioner appointed by us, may indicate that your medical treatment or surgery can be reasonably delayed until your return home.  Any expenses incurred within the United Kingdom or any further expenses incurred as a result of the medical condition which resulted in your return home, even if related to an event which happened overseas, are excluded from coverage.

We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence between the governments of the United Kingdom and the country in which you receive treatment and no public service is available. We also 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 the United Kingdom. In the event of medical treatment becoming necessary for which reimbursement under this policy will be sought, we or our representatives will require sufficient and appropriate access to your medical records and information in order to process your claim.

What is a pre-existing medical condition?

Cover under this policy can be affected by a pre-existing medical condition that you or other people have experienced in the past or are experiencing at the time this policy is purchased or extended.

We consider a pre-existing medical condition to be where you, a member of your travelling party, a close relative or any other person upon whom your trip depends has, at the time of purchase:

  1. An ongoing medical or dental condition, or related complication, the symptoms of which you are aware, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; and/or
  2. A medical or dental condition for which advice, treatment or medication has been prescribed by a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy.

This means you must consider pre-existing medical conditions:

  1. when you buy your initial policy; and
  2. when you extend your policy, if applicable (any condition you experience during any earlier period of insurance will be considered a pre-existing medical condition in any subsequent period of insurance); and
  3. if you return home. The medical condition that caused you to return home will be deemed a pre-existing medical condition from the time you resume your trip. Also, any illness or injury you have which first comes into existence, shows symptoms, is diagnosed or is treated while in the United Kingdom during a home visit which breaks your trip will not be covered in the remaining insurance period, as it will be considered a pre-existing medical condition from the time you resume your trip.

How your health affects your cover

This question applies to each person insured on your policy:

Do you have a pre-existing medical condition?
Yes You can purchase either a Standard or Explorer Plan; however, there will be no cover for any costs arising from or exacerbated by any pre-existing medical condition.
No You can purchase either a Standard or Explorer Plan.

Change in health before you start your trip

If before you start your trip (and between the date your 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), cover is available if you have no option but to cancel your trip (See Section 2.1).

If you purchased this policy after leaving home in the United Kingdom and you suffer a serious illness or injury (which is not a pre-existing medical condition) before the start date of your trip, as shown on your Certificate of Insurance, then there is no cover under this policy for cancellation of your trip (Section 2.1).

Pregnancy

As is consistent with the treatment of all pre-existing medical conditions under this policy, this policy does not intend to cover the normal costs or losses otherwise associated with a single or multiple pregnancy or childbirth. Such normal costs include, but are 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, provide cover for pregnancy complications which arise 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.

What's covered & not covered

This section describes what we'll pay and won't pay for those benefits shown in the Summary of Cover for the plan you have purchased, what events trigger cover, the conditions and exclusions that apply and what you must do to claim.

Section 1 - Emergency Medical & Dental Expenses Overseas

This section details the cover provided if you suffer an illness or injury and treatment is certified as medically necessary by an authorised medical practitioner overseas and agreed by us, subject to the terms of this policy wording.

Note: This is accident and emergency cover only and is not a private medical 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 between the governments of the United Kingdom and the country in which you receive treatment and no public service is available. We also 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 the United Kingdom.

Note: If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare under reciprocal health arrangements. Apply by calling 0845 606 2030 or online at www.ehic.org.uk. Application forms are also available at the post office. 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.

What you must do

  1. You must make all reasonable attempts to keep your medical expenses to a minimum and take the advice of our emergency assistance team. If you don't contact our emergency assistance team as required, we may not fully reimburse you for your expenses or for any evacuation or airfares.
  2.  You, a member of your travelling party, a friend or a close relative must contact our emergency assistance team as soon as possible to confirm cover, manage costs and any potential claim if you:

    1. have been admitted to hospital as an in-patient;
    2. get medical treatment or need ongoing treatment, where the cost of treatment is likely to exceed £500;
    3. are injured, are hospitalised or suffer psychological trauma in an assault; or
    4. need emergency transport, medical repatriation or a medical escort.

    Our  emergency assistance team will help direct you or move you to the appropriate hospital or health care facility. Subject to medical advice, you must take their recommendation as to where you can be treated to ensure you receive quality medical care.

    In the case of injury, illness, hospitalisation or where immediate repatriation has to be considered, contact our emergency assistance team as soon as is possible.

    From overseas: +353 21 237 8005 or +61 2 8263 0470

    Within the United Kingdom: 0800 260 5081
    Email: [email protected]
    Ask the local operator to connect you reverse charges or claim your call costs later.

    You'll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.

  3. You must get copies of all medical records, reports and clinical notes before you leave the hospital or medical facility as well as original receipts to document your expenses so we may verify your claim. We will only ask you to provide documentation that is relevant to your claim and required for us to complete our investigation.  

  4. Your illness or injury must be confirmed in writing by your treating medical practitioner overseas:

    1. you’ll need to provide the medical report from your treating medical practitioner overseas of your condition, tests performed, diagnosis, and treatment provided; and
    2. we may ask for written verification of all of your medical history from your usual medical practitioner at home or elsewhere.
  5. If you're involved in an accident and are hospitalised or suffer an injury, you must make every effort to report the incident to the relevant local authority (e.g. police, hotel manager, other travel service provider) as soon as possible and provide a copy of the written evidence to verify your claim.

  6. If you're a victim of an assault (e.g. mugging, kidnapping or hijack) and suffer an injury or psychological trauma, you must make every effort to report such a criminal event to local police or other relevant authority as soon as possible and provide a copy of the written evidence to verify your claim.

  7. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

  8. Who Pays the Bills?

    For out-patient treatment where the total cost of your medical treatment is unlikely to exceed £500, you can pay for the medical expenses, keep all receipts and make a claim under your policy for reimbursement. If you are in any doubt, call our emergency assistance team for help.

    For more costly treatment and for any hospitalisation, our emergency assistance team can help coordinate payment directly with the hospital wherever possible, provided cover under the policy for the event has been confirmed by us. Where we cannot immediately confirm cover in the circumstances but you require urgent medical treatment, we may provide assistance on a “without-prejudice” basis while we investigate your claim. Assistance “without prejudice” means that you or a person authorised by you agree in writing for us to pay your medical providers directly (details of which we will specify in the agreement). In addition, you will agree to reimburse us for these costs if we ultimately conclude that your claim is not covered under the policy.

What's covered

1.1 Overseas medical expenses

You are covered if, during your trip, you suffer a sudden illness or injury. Where treatment is certified as medically necessary by an authorised medical practitioner or paramedic overseas and agreed by our emergency assistance team and us, we will pay up to the amount shown in the Summary of Cover for reasonable emergency, overseas medical treatment you require including:

  1. surgery and hospital charges;
  2. day surgery or outpatient treatment;
  3. prescribed medicines;
  4. prescribed physiotherapy treatments in hospital; and
  5. emergency medical transportation (for example, road, sea or specially equipped air ambulance).

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 the United Kingdom.

If the cost of your medical and related expenses overseas could exceed the cost of returning you to the United Kingdomwe may limit our liability to the lesser of the costs we would incur. You'll then be responsible for any ongoing or additional costs arising from the event or from the medical condition for which you're claiming.

1.2 Medical transport & repatriation home

If you suffer an illness or injury during your trip, you are covered for reasonable and necessary additional accommodation (room only) and travelling expenses for your emergency medical evacuation by ambulance or other appropriate transport.

When you're medically able to be evacuated, we may decide to:

  1. transport you to other medical care facilities; and/or
  2. repatriate you to the United Kingdom if you're declared medically unfit to continue your trip.

Cover is up to the amount shown in the Summary of Cover and is subject to our emergency assistance team or us, on the advice of a medical practitioner appointed by us in consultation with your medical practitioner overseas, first deciding that:

  1. transportation is medically necessary; and
  2. the style and timing of the transportation are reasonable and appropriate; and
  3. you're medically fit to be evacuated; and
  4. you should be transferred to the United Kingdom.

If you choose not to follow our or our emergency assistance team's recommendations or you refuse to return to the United Kingdom for treatment when, in the opinion of your treating medical practitioner overseas or our emergency assistance team, you are fit to travel, we may limit our payment up to the equivalent amount which we would have assessed as being covered had you followed the recommendations. You'll then be responsible for any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming.

1.3 Accompanying person

Following your sudden illness or injury overseas, we'll pay the reasonable and necessary expenses, up to the amount shown in the Summary of Cover, for one person to travel to and/or remain with you in hospital and/or accompany you during your medical repatriation home, as follows:

  1. the accompanying person may be a member of your travelling party, a friend or a close relative;
  2. we'll pay up to the equivalent cost of a return Economy Class airfare from the United Kingdom and reasonable additional accommodation expenses for the accompanying person; and
  3. you must have written advice of this need from your treating medical practitioner overseas and approval from us.

This includes one adult to accompany an insured child home.

1.4 Out-of-pocket expenses in hospital

You’ll receive reimbursement of your miscellaneous out-of-pocket expenses, up to the amount shown in the Summary of Cover, if you're necessarily confined to hospital overseas for more than 24 hours:

  1. due to a sudden illnessor injury; and
  2. when a claim is payable under Section 1.1.

These expenses include your taxi fares, phone calls, internet or television access, food and other expenses incurred while in hospital and supported by receipts when you make a claim.

1.5 Outpatient physiotherapy treatment

We'll pay for outpatient physiotherapy treatment, up to the amount shown in the Summary of Cover, following your sudden illness or injury overseas where:

  1. treatment is prescribed by an authorised medical practitioner; and
  2. treatment is given by a registered and licensed practitioner.

1.6 Emergency dental treatment

We'll pay for emergency dental treatment overseas which the dentist certifies in writing is solely required for the immediate relief of sudden and acute onset of pain. Cover is limited to the amount shown in the Summary of Cover.

1.7 Counselling services

If during your trip you are assaulted and suffer  injury or psychological trauma, we'll pay your expenses to visit a psychiatrist or registered counsellor overseas, up to the amount shown in the Summary of Cover.

1.8 Local funeral expenses or repatriation of remains

In the event of your sudden and unexpected death overseas, and at the request of your next of kin, cover is available for the reasonable and necessary expenses incurred, up to the amount shown in the Summary of Cover, for:

  1. funeral expenses (burial or cremation) overseas; or
  2. transport of your remains home; or
  3. cremation overseas and transport of your ashes home.

What's not covered - Specific Exclusions under Section 1

We won't cover any overseas medical or dental expenses under Section 1 that directly or indirectly relate to or arise from:

  1. Any applicable excess, as explained in the Summary of Cover.
  2. Any pre-existing medical condition.
  3. Expenses which can be recovered from another source, or private hospital or medical treatment you received where public funded services or care was available or which are covered under any National Insurance scheme or reciprocal health arrangement, unless approved by us.
  4. Any expenses or fees for in-patient treatment, medical costs of more than £500, medical evacuation or curtailment, which have not been reported to us or our emergency assistance team as soon as possible by you;
  5. Surgery or other medical treatment which, in the opinion of the attending medical practitionerour emergency assistance team or us, can be reasonably delayed until your return home;
  6. Your failure to follow the instructions of your medical practitionerour emergency assistance team or us. If you decline to promptly follow the advice given, we will not be responsible for any subsequent medical, hospital or evacuation expenses relating to or arising from that condition.
  7. For any ongoing or additional costs relating to or arising from the event or from the medical condition for which you're claiming where you refuse to be repatriated after being declared medically unfit to continue on your trip, but medically fit to be repatriated in the opinion of your treating medical practitioner overseas or our emergency assistance team.
  8. Expenses which we or our emergency assistance team determine are not reasonable or medically necessary.
  9. Additional hospital costs for single or private room accommodation, unless medically necessary.
  10. Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
  11. Medical or dental expenses incurred while you're in the United Kingdom. This policy doesn't replace private medical insurance.
  12. The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the illness or injury which necessitated your admittance to hospital.
  13. Dental treatment not required for the immediate relief of acute pain, such as for example major dental work like crowns, bridges, dental prostheses, treatment involving the use of precious metals and cosmetic dentistry.
  14. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 2 – Cancellation, Curtailment & Trip Resumption

This section details the cover provided if, following specific Insured Events listed below in this Section 2, you have no option but to cancel your entire trip before you leave home, you need to return home early, or you want to resume your trip to continue your original travel plans. The event must be sudden, unforeseen, unavoidable and outside your control, and it must happen after we have issued your Certificate of Insurance. If an event is not specifically listed below in the table, there is no cover under this section.

You must purchase the Explorer Plan to claim certain benefits for the Insured Events as shown below and in the Summary of Cover.

Insured Events Range of benefits
Cover is provided for the following Insured Events when they are sudden, unforeseen, unavoidable, outside  your  control and occur after we issue your Certificate of Insurance. Cancellation (before leaving home, or the United Kingdom for Events 8 & 9) Curtailment

(returning home early)
Trip Resumption
1. The sudden death, serious illness or accidental injury of
  1. you; or
  2. your close relative

Explorer Plan only
2. The sudden death, serious illness or accidental injury of someone from your travelling party.
3. The Foreign and Commonwealth Office (FCO), the World Health Organisation (WHO) or similar body in the circumstances issuing a travel warning advising against “all travel” or “all but essential travel” to a specific region or country and that warning was first given after you booked the trip.

Explorer Plan only

Explorer Plan only
4. Your home or place of business becoming uninhabitable (within 14 days of your start date of travel).
5. You being called to attend court as a witness (but not as an expert witness) or for jury service.
6. Your or a member of your travelling party’s unexpected, involuntary redundancy occurring before your start date of travel.
7. The police asking to see you after a theft from your home which occurred within 14 days of your start date of travel.
8. Before you depart from the United Kingdom, the carrier you were booked to travel on from the United Kingdom was cancelled or delayed for more than 24 hours.

Explorer Plan only
9. Before you depart from the United Kingdom, you are denied boarding your booked flight from the United Kingdom because it was overbooked and no other flight could be provided within 24 hours.

Explorer Plan only
Key

✔ This benefit is covered under this Insured Event (where the applicable plan is purchased).

✖ This benefit is not covered under this Insured Event.

What you must do

  1. You must contact our emergency assistance team to inform them when you intend to curtail (Section 2.2) or resume your trip (Section 2.3, Trip Resumption (Explorer Plan only); if you choose not to and you have an insured claim, We shall have no liability under this policy, unless you show that your non-compliance with this condition could not have increased the risk of the loss which actually occurred.
  2. If you require medical treatment, follow the instructions under Section 1 - Emergency Medical & Dental Expenses Overseas.
  3. You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim.
  4. If you're travelling on a one way ticket, we expect you to pay the cost of an Economy Class airfare home, as this is considered a reasonable and necessary cost you'd ordinarily incur during your trip
  5. You must contact your carrier, travel services provider, education or related provider as soon as possible and make all attempts to seek financial compensation, refunds or offers to rearrange or reschedule your plans, and, where applicable, exercise your rights under consumer protection legislation before deciding to incur additional expenses, change your travel plans or make a claim with us. This includes exercising your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delays.

    You must take all reasonable steps to avoid or minimise your expenses following an Insured Event. If you do not comply with this condition it may impact your ability to make a claim under this policy

    For example: you must minimise your expenses by notifying your transportation provider as soon as possible of any issues caused by another common carrier which may affect your connecting transport.

  6. You must obtain a written medical diagnosis or medical certificate from the treating doctor confirming it is medically necessary to cancel or curtail your trip. You must provide all relevant medical records or reports, including information about previous medical conditions and courses of treatment. In case of death, the death certificate and a medical report must be included with any claim. We will only ask you to provide documentation that is relevant to your claim and required for us to complete our investigation.  
  7. If you're made redundant or you've had to end your trip early to return home as required by your employer, you will have to provide written confirmation from your employer of your unexpected/involuntary redundancy dated before your start date and after you purchased the policy.
  8. If you make a claim, you must show:
    1. the event was unforeseen, unexpected and occurred after you purchased the policy and after you booked or paid for any travel arrangements; and
    2. the costs incurred were reasonable, necessary, and unavoidable in the circumstances.

  9. You must provide written evidence of the timing and circumstances of the event by independent third parties, the actual costs incurred and that any pre-paid expenses were non-refundable according to the conditions of the service provider. Where applicable, this includes:
    1. a written report or statement from the travel supplier or carrier confirming the reason, timing and duration of the unexpected event causing the delay, cancellation or interruption; any compensation or offers made to you; and confirmation of your claim and settlement with them, if applicable;
    2. written confirmation of any accident from an official body in the country where the accident happened: i.e. a police and/or relevant transport authority report;
    3. documentation to confirm your travel itinerary, vouchers or e-tickets;
    4. valid documentation from your travel supplier, event organiser or education provider;
    5. all itemised and receipted expenses.
  10. We, our emergency assistance or claims teams may ask you to supply the original documents to verify your claim, so you should keep these safe, just in case.

  11. You should also read what we won't cover in the Specific Exclusions to this section and the General Exclusions which are applicable to all sections.

What's covered

2.1 Cancellation

Note: Cancellation cover under this section is only available before you leave home (except Insured Events 8 and 9 applicable to the Explore plan, when cover is up to your point of departure from the United Kingdom). If the policy is purchased after you have left the United Kingdom, there is no cover provided for cancellation of your trip under this section.

You are covered if you have no option but to cancel your entire trip before you are due to leave your home (except for Insured Events 8 and 9 applicable to the Explorer plan ) as a direct result of an unforeseen, unexpected and unavoidable  Insured Event which is outside of your control. We'll pay for the value of your unused, non-refundable travel expenses which you've paid or are legally obligated to pay, up to the limit shown in the Summary of Cover.

Cancelled travel expenses are for:

  1. transportation;
  2. accommodation;
  3. tours and experiences;
  4. tuition or course fees;
  5. visas;
  6. travel agency cancellation fees; and/or
  7. frequent flyer/membership points.

If you used frequent flyer or similar membership scheme points to pay for your trip and you cannot recover the lost points from any other source, we'll calculate the amount we pay you as:

  1. The cost of an equivalent travel expense, based on the best available price for the same season of the following year, less your financial contribution; multiplied by
  2. The total value of points lost; divided by
  3. The total value of points redeemed to obtain the ticket.
For example
Cost of equivalent class ticket
less any financial contribution
£500
Value of frequent flyer points lost £2,500
Value of frequent flyer points needed to obtain original ticket £10,000
Claimable amount
(£500 x £2,500) ÷ £10,000
£125

Travel advisory cancellation (Explorer Plan)

If you have selected the Explorer Plan, this Section 2.1 is extended to cover you if nbsp;you have no option but to cancel your trip as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO), the World Health Organisation (WHO) or a similar body in the circumstances issuing a travel warning advising against all travel or all but 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) and before you left home (except for Insured Events 8 and 9 which apply before you leave the United Kingdom).

2.2 Curtailment

Where medical repatriation or evacuation has to be considered, you must contact our emergency assistance team as soon as possible.

You’re covered if you, a member of your travelling party, or a close relative suffers a serious illness or accidental injury or dies during  your trip and you need to return home earlier than planned. We'll pay for additional travelling expenses which are reasonable and necessary in the circumstances (for example, Economy Class), up to the limit shown in the Summary of Cover.

You are also covered for the value of the portion of your unused, non-refundable travel expenses, accommodation expenses and tuition/course fees, calculated from the date of your return home and which were paid before the event which caused your trip curtailment, up to the limits as shown on the Summary of Cover under Section 2.1 Cancellation expenses.

If the person whose injury or illness which caused you to curtail your trip doesn’t reside in the United Kingdom, we'll pay up to the limits as shown on the Summary of Cover under Section 2.2 Curtailment for the actual cost incurred or the equivalent Economy Class cost to return to the United Kingdom, whichever is less.

If your trip is curtailedyour cover ceases and we won't reimburse any premium for any unused portion of your policy. (For Explorer Plan holders, refer to Section 2.3 Trip resumption.)

Travel advisory curtailment (Explorer Plan)

If you have selected the Explorer Plan, this section 2.2 is extended to cover you if you have no option but to curtail your trip as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO), the World Health Organisation (WHO) or a similar body in the circumstances recommending evacuation from the country or specific area in which you are travelling, providing the recommendation came into force after you purchased this insurance and after you have left the United Kingdom to commence the trip (whichever is the later).

2.3 Trip Resumption (Explorer Plan)

You must advise us, as soon as possible after your return home if you wish to resume your trip so we are aware of your situation and can assist with any plans, where possible. The resumption of the trip and additional travel expenses must occur within the same insurance period as the incident which caused you to curtail your trip.

If you have purchased the Explorer Plan, you are covered up to the limits as shown on the Summary of Cover for reasonable additional travel expenses (for example, Economy Class) for you to resume your trip abroad:

  1. if you have been repatriated home due to an accidental injury or serious illness; or
  2. if you have had to return home due to the accidental injury, serious illness, death of a  close relative, as covered under Section 2.2 Curtailment.

We’ll pay for travel expenses equivalent to the cost of a return Economy Class airfare to the destination where you would have been according to your original travel plan at the time you are resuming your trip.

If you're resuming your trip from a country other than the United Kingdomwe'll pay the lesser of your additional transport and accommodation expenses incurred or the equivalent cost of travel from the United Kingdom.

Any resumption of trip must take place between the start date and end date shown on your Certificate of Insurance in effect at the time the Insured Event under this Section 2 occurred in order for your policy to resume. If you choose not to resume your trip, your cover ceases, with no return premium payable to you for any unused portion of insurance.

What's not covered - Specific Exclusions under Section 2

We won't cover any cancellation, curtailment or trip resumption expenses under Section 2 that directly or indirectly relate to or arise from:

  1. Any applicable excess, as explained in the Summary of Cover.
  2. Any pre-existing medical condition.
  3. Any expense you would likely incur if the Insured Event under Section 2 did not happen.
  4. Medical-related claims where a medical certificate has not been obtained from the attending medical practitioner confirming it was medically necessary to curtail the trip.
  5. Additional costs as a result of not telling the travel agent, tour operator or provider of transport or accommodation, as soon as possible, that you need to cancel or curtail the trip. We will only pay the cancellation charges that would have applied at the time you could have communicated that it was necessary to cancel your trip.
  6. Circumstances of which you knew or should have reasonably known, at the time you bought the policy or booked arrangements, would result in arrangements being cancelled or interrupted. For example, you bought this policy the day after you scheduled a surgical procedure, and you later claim trip cancellation expenses when you cancel your trip to have the surgery.
  7. Withdrawal from service, temporarily or otherwise, of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or Port Authority or similar body in any country.
  8. You decline a reasonable alternative service or compensation offered by your carrier or other travel service provider.
  9. Your expenses are solely the result of not having allowed for the travel service provider's official minimum check in or transit time, or at least three hours, whatever is longer. For example: not leaving reasonable time for traffic delays.
  10. Anything caused directly or indirectly by prohibitive regulations by the Government of any country.
  11. Any incident causing your return home that is not covered under this policy.
  12. Any further expenses incurred as a result of the medical condition which resulted in your return home.
  13. Resumption of the trip if it does not take place within the same insurance period as the incident.
  14. Any costs claimed under Section 3 of this policy.
  15. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 3 – Trip Interruption (Explorer Plan)

If you have purchased the Explorer Plan, this section details the cover provided if, following specific  Insured Events  listed in this Section 3 below, your trip is interrupted after you leave home. Also, cover applies only when the Insured Event is sudden, unforeseen, unavoidable, outside your control and occurring after we issue your Certificate of Insurance. If an event is not specifically listed, there is no cover under this section.

We'll pay for reasonable additional travel expenses up to the standard of your original booking, which are attributed directly to the  Insured Events listed in this Section 3 below. The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the carrier or accommodation provider. We won't pay for travel or other expenses you'd usually have if the event didn't happen.

For Insured Events 2-3, we will pay up to the limits shown in the Summary of Cover for only one of the following benefits:

    3.1 Travel Delay; or
    3.2 Missed connection.

For example, if the same expenses you’re claiming under Section 3.1 Travel Delay are also covered under Section 3.2 Missed connection, you can only claim for these under one sub-section for the same event

Insured Events Benefits (Explorer Plan)
Cover is provided for the following Insured Events when they are sudden, unforeseen, unavoidable, outside  your  control and occur after  we issue  your Certificate of Insurance. Travel Delay Missed connection Natural Catastrophe
1. Your departure or arrival is delayed over 12 hours when your carrier cancels or delays your transport.
2. Your carrier redirects or diverts your transport after departure.

(when no alternative transport is offered)
3. You’re denied boarding as the carrier has overbooked your transport.

(when no alternative is provided by the carrier within 12 hours)
4. Failure of another carrier which causes you to miss your connecting carrier.
5. Strike or industrial action which causes you to miss your connecting carrier.
6. Adverse and unforeseeable weather conditions which causes you to miss your connecting carrier.
7. The vehicle in which you are travelling is involved in an accident or breakdown, or you’re delayed as a result of a major accident on a motorway, and this causes you to miss your connecting carrier.
8.  You cannot use your booked accommodation during your trip due to a natural catastrophe.
9. You need to move to the nearest place of safety due to a natural catastrophe.

Key

✔ This benefit is covered under this Insured Event (under Section 3) if the Explorer Plan has been purchased.

✖ This benefit is not covered under this Insured Event.

Refer to each sub-section for further terms and conditions, limits and exclusions to cover.

What you must do

  1. You must check in according to the itinerary supplied to you unless your transport provider or travel operator has requested you not travel to the airport / port / depot / destination.
  1. You must contact your carrier or related provider as soon as possible and make all attempts to seek compensation or offers to rearrange or reschedule your plans, and, where applicable, exercise your rights under consumer protection legislation, before deciding to incur additional expenses, change your travel plans or make a claim with us (this includes exercising your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delays). You must accept any alternative transport options offered by the carrier.

  2. You must take all reasonable steps to avoid or minimise your expenses following an Insured Event. Where we have been disadvantaged because of your choices, it may impact your ability to make a  claim under this policy.

    For example: you must minimise your expenses by notifying your transportation provider as soon as practicably possible of any issues caused by another common carrier which may affect your connecting transport.

  1. If your destination is impacted by a natural catastrophe then you must contact our emergency assistance team so we are advised of the situation; If you do not comply with this condition it may impact your ability to make a claim under this policy.
  1. If you make a claim, you must show:
    1. the event was unexpected and occurred after you purchased the policy and after you booked or paid for any travel arrangements; and
    2. the costs incurred were necessary and unavoidable.

  2. You must provide satisfactory written evidence of the timing and circumstances of the event by independent third parties, the actual costs incurred and that any pre-paid expenses were non-refundable according to the conditions of the service provider. Where applicable, this includes:
    1. a written report or statement from the travel supplier or carrier confirming the reason, timing and duration of the unexpected event causing the delay, cancellation or interruption; any compensation or offers made to you (e.g. for alternative transport); and confirmation of your claim and settlement with them, if applicable;
    2. documentation to confirm your travel itinerary, vouchers or e-tickets;
    3. a police or roadside assistance report if you are delayed after a vehicle breakdown or a road accident.

    Our emergency assistance or claims teams may ask you to supply the original documents to verify your claim, so you should keep these safe, just in case.

  1. You should also read what we won't cover in the Specific Exclusions to this section and the General Exclusions which are applicable to all sections.

What’s covered

3.1 Travel Delay (Explorer Plan)

If you have purchased the Explorer Plan and during your trip the public transport on which you are booked to travel is unforeseeably cancelled or delayed by an unexpected and unavoidable Insured Event (Insured Events 1-3) which causes you to be delayed in departing from or arriving at your destination, we’ll pay you up to the limits as shown on the Summary of Cover for either (a) Travel Delay or (b) Additional Transport & Accommodation where applicable, as follows:

  1. Travel Delay – When you are delayed in reaching your overseas destination or your home by more than 12 hours, for each completed 12 hours of delay we will pay you toward the cost of telephone calls, internet access, and meals and refreshments purchased during the delay, provided you eventually continue with your trip. 
  2. OR
  3. Additional Travel & Accommodation – When your public transport is cancelled, is diverted or re-directed after its departure, or it is delayed by more than 12 hours, we will pay you toward the cost of reasonable additional accommodation (room only) and carrier expenses (Economy Class) which you incurred in reaching your overseas destination or returning to the United Kingdom if no other alternative is supplied by the carrier, up to the standard of your original booking and less any refunds or compensation due to you.

3.2 Missed connection (Explorer Plan)

If you have purchased the Explorer Plan and you fail to arrive in time to board any onward connecting carrier on which you are booked to travel, including connections within the United Kingdom, we will pay you up to the limit as shown on the Summary of Cover for reasonable additional accommodation, up to the standard of your original booking (room only), and carrier expenses (Economy Class) as a result of the following Insured Events:

  1. the failure of other carriers;
  2. strike or industrial action;
  3. adverse and unforeseeable weather conditions;
  4. you being denied boarding because the carrier has too many passengers for the seats available (and no alternative transport is offered by the carrier);
  5. the vehicle in which you are travelling being involved in an accident or breakdown, or you being delayed as a result of a major accident on a motorway.

The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the carrier or accommodation provider.

3.3. Natural Catastrophe (Explorer Plan)

If you have purchased the Explorer Plan, you are covered for reasonable additional accommodation (room only) and transport costs (Economy Class) you incur during your trip, up to the limit shown on the Summary of Cover, for one of the following situations:

  1. on arrival or at any other time during the trip you cannot use your booked accommodation due to a natural catastrophe; or
  2. you have no option but to move to a safe place due to a natural catastrophe.

3.4 Hijack (Explorer Plan)

If you've purchased the Explorer Plan and if you're a victim of a hijacking overseas, we’ll pay you a daily benefit for each full 24-hour period you're detained, up to the limit in the Summary of Cover.

This benefit is in addition to any other benefit you can claim for this event.

What's not covered - Specific Exclusions under Section 3

We won't cover any trip interruption expenses under Section 3 that directly or indirectly relate to or arise from:

  1. Any applicable excess, as explained in the Summary of Cover.
  2. Any expense you would reasonably incur if the Insured Event under Section 3 did not happen.
  3. You declining a reasonable alternative service or compensation offered by your carrier or other travel service provider.
  4. You not having allowed for the carrier’s official minimum check in or transit time. For example: not leaving reasonable time for traffic delays.
  5. Any costs which are recoverable from the carrier, from any other source (e.g. tour operator, hotel, credit/debit card company) or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance.
  6. Withdrawal from service, temporarily or otherwise, of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or Port Authority or similar body in any country.
  7. You being denied boarding due to your drug use, alcohol or solvent abuse, or your inability to provide a valid passport, visa or other documentation required by the carrier or their handling agents.
  8. You travelling against the advice of the local or national authority relevant in the circumstances.
  9. An event which is occurring or has occurred, or you were aware could occur, at the time you purchased this insurance or booked your travel arrangements (whichever is the later).
  10. You or your family, or a member of your travelling party have connections or engage in business, political or other activities which could be expected to increase the risk of hijack or prejudice us or this insurance.
  11. Any costs claimed under Section 2 of this policy.
  12. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 4 - Your Belongings

This section explains the cover if your baggage and personal items are stolen, lost, damaged or destroyed. It also explains the cover if your baggage is delayed or lost by a common carrier.

NOTE: This insurance does not automatically provide cover for the full replacement value of belongings and personal items insured under this policy, which may be more appropriately covered under a household All Risks Section or a separate All Risks policy.

What you must do

  1. It’s your responsibility to protect your belongings. This includes, for example, not leaving any baggage item unattended, taking all reasonable steps to protect the safety, security and condition of your belongings; etc.

    For baggage items left unattended inside a motor vehicle between 9am and 9pm (local time), they must be securely locked and completely concealed in the locked glove compartment or rear boot or luggage area of the vehicle and covered so they are not visible from outside the vehicle. If stolen, there must be visible evidence of damage and forced entry into the vehicle and locked compartment, which is confirmed by a police report.

    For baggage items left unattended inside a motor vehicle, boat or tent between 9pm and 9am (local time), there is no cover, even if securely locked and concealed (unless it is a securely locked motor caravan or motor home or similar recreational vehicle used as your private accommodation).

  1. Carry with you at all times your portable electronic devices and other valuable items (including jewellery and tablets, laptops, photographic and video equipment, mobile phones and other hand-held devices) as well as your specified items, travel documents, cash and credit cards. 

    If you're unable to carry these items, you must store them securely in a locked safe, locked safety box or locked compartment out of public view and public access. If stolen, there must be visible evidence of damage and forced entry into the locked compartment, which is confirmed by a police report.

  2. You must report all theft or loss to the police as well as to the common carrier, service provider or other appropriate local authority (e.g. tour operator/accommodation/travel provider manager or security personnel) as soon as possible. If you do not comply with this condition it may impact your ability to make a claim under this policy.

    A copy of the full, written report must be provided with your claim. If in exceptional circumstances you cannot notify the local police or other appropriate authority (i.e. due to imminent departure), you must notify our emergency assistance team or us as soon as possible after the event.

    If your passport is stolen, you must, as soon as possible, notify the Government of the United Kingdom or report the loss to the nearest diplomatic or consular mission of the United KingdomYou must provide us with copies of all documentation provided by the foreign government agency and the Government of the United Kingdom.
  1. If your baggage and personal items are delayed, lost and/or damaged by a common carrier,you must report the incident as soon as possible upon discovery to a responsible officer for the carrier. Get a Property Irregularity Report or a similar official report in writing and make a claim directly with the carrier first; you must follow-up with them in writing for this report if they cannot provide you with one sooner. If you do not comply with this condition it may impact your ability to make a claim under this policy.

    If your baggage is delayed, you must also get a written statement confirming the reason for the delay from the carrier and the anticipated delivery date and time of your baggage. It's also important that you obtain written reports and, where applicable, accept any offers of settlement they make.

    You must get copies of all written reports, luggage checks and tickets, travel documentation and all correspondence with the carrier or service provider. You will need to send these to us to support your claim.
  1. For items damaged in other circumstances, you must get a written report from the appropriate local service provider (e.g. a manager or security officer of a private business or public facility) or as soon as possible. If you do not comply with this condition it may impact your ability to make a claim under this policy.

  2. Arrange a repair quote to document the damage and provide this quote to assist us to review your claim. Physical evidence of the damaged item may also be requested to present with your claim, where reasonable in the circumstances.

  3. You must first contact the carrier or other service provider responsible for your loss and request a refund of the costs you’ve incurred before making a claim on this policy. Where you can show us that you've made reasonable attempts to gain compensation or a refund from the responsible carrier or service provider, we'll pay the difference, up to the limit in the Summary of Cover.

  4. You must provide evidence of proof of ownership, age and value of your belongings to substantiate your claim. It's useful to keep all receipts for items you buy on your trip separate from the items, in case you need to make a claim.

  5. For Explorer Plan holders claiming for stolen cash, you must provide with your claim a copy of the police report you made after the theft and proof of the initial bank withdrawal or foreign exchange receipts.

  6. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What's covered

4.1 Baggage and personal items

Cover is provided for your baggage and personal items (excluding items hired, loaned or entrusted to you) which you take with you or buy during your trip if they are lost, stolen, damaged or destroyed. We'll pay up to the maximum limits, sub-limits and individual item limits as shown in the Summary of Cover


We'll
 choose to settle your claim for the lesser value of:

  1. repairing the property; or
  2. replacing it with an item of a similar design, use and function; or
  3. paying the original purchase price after allowing for wear and tear and loss of value (depreciation). (We consider factors such as the type of item, its age, expected life span, value in the second-hand market and advances in technology to calculate depreciation.)

We'll pay:

  1. up to the Single Item Limit shown in the Summary of Cover for a single item, pair or set of items. For example:
  2. a camera plus lenses (attached or not), tripod and accessories = one item
  3. a pair of earrings = one item
  4. a set of skis with bindings = one item
In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed; or
  1. all valuable items combined, in total, up to the ‘Total Valuables Limit’ shown in the Summary of Cover; or
  2. the ‘specified item’ value when you specify any of your personal items for an additional premium. These items will be shown on your Certificate of Insurance and are subject to the ‘Specified items’ limits shown in the Summary of Cover; refer to Section 4.4 for further details on cover and limits.
Why so many restrictions on baggage cover?

We put restrictions on coverage around baggage to help travellers who are honest and to combat against insurance fraud. Unfortunately, baggage claim fraud is the number one reason we have to increase premiums for everyone. As honest and forthright travellers, we look to you to help us combat the incidence of insurance fraud. By reporting fraud, you're helping reduce the impact on premiums and claims costs and its impact on you (see Preventing fraud for details).

Baggage delay over 24 hours (toothbrush, underwear and other essentials)

If your checked-in baggage is delayed by the carrier for more than 24 hours after your arrival, we'll reimburse you up to the limits shown in the Summary of Cover to replace your essential clothing and toiletries while you wait for your baggage to be returned.

All expenses must be  supported by receipts dated prior to the delivery of your delayed baggage and after 24 hours from your arrival. Any amount we pay for essential items will be deducted from the final claim settlement under  Section 4.1 - Baggage and personal items  if your baggage is permanently lost by the carrier.

This benefit is not available on your return journey to the United Kingdom.

4.2 Money (Explorer Plan)

If you have purchased the Explorer Plan, cover is provided for accidental loss or theft of your own money whilst it’s being carried on your person or whilst it is left in a locked safety deposit box, up to the limits shown on the Summary of Cover.

You must obtain a written police report as soon as possible upon the discovery of any theft of money, or we will not pay for any claim you make. You must also provide documentation of the initial withdrawal of any money and evidence of how you managed financially immediately after a loss (for example, provide currency exchange or withdrawal slips, bank or credit card statements, etc).

4.3 Passport, driver’s licence and other travel documents

Cover is provided for expenses you incur overseas if your travel documents are lost or stolen during your trip, up to the limit shown in the Summary of Cover.

We'll pay you:

  1. The additional amount you pay overseas for the official processing fees to obtain a replacement travel document which are over and above what you would normally pay at home.
  2. The replacement costs of any temporary passport/travel document that was issued in your original passport.
  3. The proportional value of the time remaining on your original travel document(s) which would have allowed you to continue on your original planned trip. 
  4. The reasonable and necessary additional travel and accommodation expenses you incur during your trip to replace lost or stolen travel documents overseas.

You must obtain a written police report as soon as possible upon the discovery of any theft, comply with all conditions of any issuing body and provide receipts for all costs incurred, or we will not pay for any claim you make.

4.4 Specified items (optional upgrade)

You can upgrade your cover for high value baggage and personal items by specifying individual items and paying an additional premium when you buy your policy or up until your policy start date; these items will appear on your Certificate of Insurance.

We'll pay for your specified items which are lost, stolen, damaged or destroyed according to the policy terms, conditions and exclusions outlined in this policy wording, including those terms noted in Section 4.1 - Baggage and personal items; however, depreciation does not apply to specified items.

If you replace a specified item which was lost, stolen, damaged or destroyed while travelling, the replacement item will be covered under the standard baggage limits until the end of your policy, as your policy cannot be changed to specify it.

We'll choose to settle your claim for the lesser value of:

  1. the specified item’ value stated on your Certificate of Insurance; or
  2. repairing the property; or
  3. replacing it with an item of a similar design, use and function; or
  4. the replacement cost of the item.
What's not covered - Specific Exclusions under Section 4

We won't cover any expenses that directly or indirectly relate to or arise from:

  1. Any applicable excess, as explained in the Summary of Cover.
  2. Any item, pair or set of items whose value is over the applicable excess amount and unsupported by an original receipt, valuation report or other acceptable proof of ownership and value to support the claim.
  3. Damaged baggage, where proof of the damage is not supplied – including the damaged item itself when requested.
  4. Loss, theft or damage to the extent you're entitled to compensation from the carrier, other service provider or anyone else.
  5. Shortages due to error or omission.
  6. Depreciation in value (except on specified items).
  7. Loss, theft, damage or destruction to:
    1. money (except if you've purchased the Explorer Plan, and as covered under Section 4.1 – Baggage and Personal Items);
    2. bicycles and bicycle accessories; dinghies, boats and/or ancillary equipment; vehicles or vehicle accessories (other than wheelchairs and pushchairs);
    3. tools of trade;
    4. items which are freighted, sent through the post, or sent under a bill of lading or air-way bill;
    5. musical instruments; antiques; precious stones not set in jewellery; glass or china; pictures;
    6. perishable items such as food;
    7. hearing aids, dentures and/or prostheses;
    8. Travel documents, money, credit cards, valuable items and specified items (including for example jewellery, portable electronic devices such as tablets, laptops, photographic or video equipment, mobile phones and other hand-held devices) left unattended at any time (including in a vehicle or with a carrier), unless they are with you or locked in a safe or safety deposit box, as required by the terms and conditions elsewhere in this policy.
  8. Baggage and personal items stolen from an unattended vehicle, unless they were in the vehicle’s locked glove compartment, rear boot or luggage area and covered so that they are not visible from the outside of the vehicle. There must also be evidence of forced and violent entry.
  9. Baggage and personal items stolen from an unattended vehicle (other than a securely locked motor caravan), when left at any time between 9pm and 9am, local time.
  10. Loss, theft, damage or destruction due to:
    1. confiscation or detention by customs or other officials or authorities, including any resulting loss, destruction or damage to travel documents;
    2. moth or vermin; denting, scratching;
    3. age, wear and tear and loss of value (unless the baggage item is specified on your Certificate of Insurance).
  11. Items left unattended where you don't take adequate and reasonable care to protect their safety, security or condition.
  12. Stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind.
  13. Sports or activity equipment in use.
  14. Mechanical breakdown or malfunction, or breakage of items which are fragile or brittle being transported by a carrier, unless due to:
    1. fire; or
    2. an accident involving a vehicle, aircraft or vessel of the carrier in which they’re travelling.
  15. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 5 - Rental Car Excess (Explorer Plan)

If you've purchased the Explorer Plan, this section describes the cover available if you rent a car during your trip and it’s damaged or stolen.

NOTE: This travel insurance policy is not rental vehicle insurance or damage waiver cover. Our policy doesn't replace the need for you to purchase rental vehicle insurance or damage waiver through the rental vehicle company covering physical damage and theft of the rental car and your liability to third parties for injury or property damage while the rental car is in your care or control.

What you must do

  1. You must have a valid licence in the United Kingdom for the class of vehicle you're driving overseas, regardless of local laws. You must also comply with local laws of the country in which you're driving. For example: you may be required to hold an International Driving Permit valid for that class of vehicle in addition to a valid United Kingdom driving licence to legally drive in that country.
  2. You must purchase the rental vehicle insurance, damage waiver or the equivalent offered by the rental vehicle company or agency.
  3. You must have a signed rental vehicle agreement in place for hire of the rental car, and the rental vehicle company must be properly licensed within the country of hire.
  4. You must provide copies of the repair account, repair quote, proof of any payments you've made or received and any other documentation we request. You must provide copies of any correspondence identifying any insurer or third party related to the event for which you're claiming, to assist us in recovering from the responsible party.
  5. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What's covered

5.1 Theft or damage insurance excess (Explorer Plan)

If you've purchased the Explorer Plan, cover is provided for the rental car insurance excess or damage waiver excess (Collision Damage Waiver Excess / CDW) you're contracted to pay or the cost of repairing the rental car, whichever is less, if you're involved in a motor accident or your rental car is damaged or stolen while in your care or custody. The theft or damage must occur during your rental period and during your period of cover as shown on your Certificate of Insurance while you are on your trip overseas.

 The rental period means the dates for which you’ve arranged to hire the rental car, as confirmed on your rental agreement.

5.2 Rental car key replacement (Explorer Plan)

If you've purchased the Explorer Plan, cover is also provided for the cost to replace rental car keys if these are lost, stolen or damaged during the rental period. This includes, the cost to replace locks or for a locksmith to break into the rental car.

What's not covered - Specific Exclusions under Section 5

We won't cover any costs that directly or indirectly relate to or arise from:

  1. Operation without a valid licence in the United Kingdom and as required in the country where you're travelling for the class of vehicle you're driving.
  2. Violation of the rental vehicle agreement.
  3. Anyone under age 21 at the start date of your policy.
  4. Any claim resulting from theft of the rental car, unless a written police report of the theft is obtained.
  5. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 6 - Personal Accident

This section describes what we'll pay you if you're involved in an accident overseas and you lose a limb, lose your eyesight or suffer permanent total disablement and it prevents you from working.

NOTE: No cover is provided under this benefit if you are under the age of 16 at the time of the accident.

What you must do

  1. If you're in an accident, youyour travel companion, friend or close relative must contact our emergency assistance team as soon as possible to inform them of the situation and receive assistance.
  2. To claim, you must provide a medical certificate confirming your permanent total disablement, medical reports and other supporting documentation as explained under Section 1 - Emergency Medical & Dental Expenses Overseas.
  3. You must be receiving medical treatment or be under regular medical supervision and comply with the physician's instructions during your period of disablement.
  4. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What's covered

6.1 Permanent total disablement

If you sustain a personal accident overseas – an accidental bodily injury which is caused solely and directly by outward violent and visible means – we'll pay you up to the limits shown in the Summary of Cover if:

  1. The accident causes a bodily injury which, within 12 months from the date of the accident, is the sole cause of your permanent total, complete and irrecoverable loss of sight in one or both eyes, permanent and total loss of use of a limb (at or above the wrist or ankle) or permanent total disablement; and
  2. Following your permanent total disablement, your medical practitioner confirms that you cannot do any work for 12 months after the date of accident and there is little or no hope of improvement.

We are entitled to obtain information from any treating physician, past or present, and we may require that you be examined by a doctor or specialist chosen by us to validate your claim.

What's not covered - Specific Exclusions under Section 6

We won't cover any costs that directly or indirectly relate to or arise from:

  1. Any disease or any physical defect or illness.
  2. pre-existing medical condition, even if the condition recurs as a result of or is aggravated by the accident.
  3. Any injury which is caused by or exacerbated by a pre-existing medical condition.
  4. Certain adventure, work, study and volunteer activities, as shown in Section 8.
  5. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 7 - Personal Liability

This section describes the coverage available for your personal liability if you injure someone or damage another person's property overseas and you are sued and found legally liable.

NOTE: If you’re using a mechanical/motorised vehicle, ensure you’re adequately insured elsewhere. To avoid any doubt, you are not covered under this insurance for third party liability in respect of any mechanical/motorised vehicle.

What you must do

  1. You must not admit fault or liability or accept any responsibility for any incident. If you do, your action will have no binding effect on usYou'll have breached a policy condition, which may put us in an adverse and prejudicial position. Therefore, to the extent that you have put us in an adverse and prejudicial position, we may not be obligated to pay a claim made against you or reimburse your defence costs or other legal expenses.
  2. You must contact our emergency assistance team as soon as practicably possible if you injure someone, damage another person's property or a suit is brought against you. Contact them on phone +353 21 237 8005 or email [email protected].
  3. To assist our investigation, you must make all reasonable attempts to obtain as much information as possible of the circumstances of the event and the claim made against you, including obtaining police reports, witness details and any photographs.
  4. You must first obtain our written consent before incurring any cost or expense.
  5. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What's covered

7.1 Third party compensation and legal expenses

We'll cover the damages and compensation for which you're found legally liable to pay to a third party due to your negligence during your trip overseas which resulted in:

  1. Accidental bodily injury to a person who is not a member of your family or household or employed by you or a member of your travelling party;
  2. Loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of your family, household, employee or a member of travelling party;
  3. Loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household, employee or travelling party.

We'll cover your defence costs and other legal expenses incurred with our prior written consent in settling or defending the claim made against you

The limit shown in the Summary of Cover is the maximum amount we'll pay in aggregate for all personal liability claims per policy.

What's not covered - Specific Exclusions under Section 7

We won’t cover any costs that directly or indirectly relate to or arise from:

  1. Any applicable excess, as explained in the Summary of Cover.
  2. Liability covered under any other insurance.
  3. The carrying out of any work (including volunteer), internshipapprenticeship, profession, trade, business or employment.
  4. Certain adventure, work, study and volunteer activities, as shown in Section 8.
  5. Physical injury or property damage caused by any deliberate act or caused by you with intent, malice or gross negligence.
  6. Bodily injury to any member of your family or household or employed by you or a member of your travelling party.
  7. Property or items which you own (including land or buildings) or you occupy (except temporarily for the purpose of the trip).
  8. Your ownership or use of any: mechanical, motorised or horse-drawn vehicles; bicycles; aircraft or waterborne craft (other than rowing boats, punts or canoes); animals (other than horses); firearms or weapons of any kind.
  9. Racing of any kind.
  10. Any legal liability which you incur as a result of an agreement that you made which would not exist in the absence of that agreement (contractual liability).
  11. Fines and punitive damages.
  12. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

Section 8 - Adventure, Work, Study & Volunteer

Cover is automatically provided on the Standard Plan and Explorer Plan when you participate in Level 1 adventure sports and activities overseas, as listed in Section 8.1 and includes non-manual work experiences.

You can also upgrade your cover for a range of other activities and experiences and manual work if you select the activities (listed as Level 2, 3 and 4 in Section 8.1 ) and pay the appropriate additional premium at the time you purchase your policy as follows:

  1. If you have paid the additional premium for a sport or activity in Level 4, you will be covered for all sports, activities and work listed as Level 1, 2, 3 and 4.
  2. If you have paid the additional premium for a sport or activity in Level 3, you will be covered for all sports, activities and work listed as Level 1, 2 and 3.
  3. If you have paid the additional premium for a sport and activity in Level 2, you are covered for all sports activities and work as listed as Level 1 and 2.

To buy the correct level of cover, simply select the activities you know you’ll be doing on your trip. For example:

You're going hiking for a few days and scuba diving at least once during your trip - you would select:

  1. the maximum elevation you'll be hiking to; and
  2. the type of scuba diving you'll be doing and the maximum depth (checking whether you need to be licensed).

If you are participating in an activity that is not listed, you must contact  World Nomads to confirm if cover is available before you buy a policy. Cover will not be in place until we have confirmed acceptance and any additional premium is paid.

There are some special conditions and exclusions that apply to many of these activities (including those in Section 8.1 and Specific Exclusions in this Section 8).  

What you must do

  1. Review the list of adventure sports, activities and experiences carefully, choose all the activities you'll participate in, and ensure you select the level of cover you require at the time you purchase your policy.
  2. You must take reasonable care and not put yourself at needless risk while participating in these adventure sports, activities and experiences. You must follow any local authority warning or advice.
  3. If you intend to work or study, you must have the appropriate visa to work or study under the local laws of the country you're  visiting.
  4. You must have the appropriate skills and training and hold the necessary licences and/or certificates for the work you undertake. If required, you should only work from ground level up to two metres above ground, as the risk of injury is significantly increased when working at heights greater than two metres.
  5. You should also read what we won't cover in the Specific Exclusions to each benefit section and the General Exclusions which are applicable to all sections.

What's covered

8.1 Adventure sports, activities & experiences

Below is a list of the sports and activities, work and volunteer experiences we cover. At the time you purchase your policy, you’ll need to select the activities you’ll be participating in; where an upgrade is required above Level 1, an additional premium must be paid and the activity level(s) will be shown on your Certificate of Insurance.

Key:

(1) Level 1 - Automatically covers Level 1 sports, activities & experiences and non-manual work in the Standard Plan and Explorer Plan.

(2) Level 2 - Upgrade required - Also includes Level 1 sports, activities & experiences, non-manual and manual work.

(3) Level 3 - Upgrade required - Also includes Level 1 & 2 sports, activities & experiences and manual work.

(4) Level 4 - Upgrade required - Also includes Level 1, 2 & 3 sports, activities & experiences and manual work.

When participating in any activity, you must act in a reasonable manner in the circumstances and use all recommended safety equipment and protective clothing that is necessary and undergo any required training. Where noted in the list of activities, the following Special Conditions and Special Exclusions also apply.

Special Conditions

(a) You must be with a professional, qualified and licensed guide, instructor or operator.

(b) You must have the appropriate certification or licence to participate in this sport, activity or experience at home. If operating a motor vehicle, the driver must have the appropriate valid UK licence for the vehicle.

(c) Within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).

(d) Conventional skiing/snowboarding only. It is not a condition of cover that you ski or snowboard with a guide, however, you must follow the International Ski Federation code or the resort regulations; we strongly suggest that you do not venture into back country areas without taking local advice and appropriate rescue equipment.

(e) Conventional scuba diving only.  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.

(-) Refer to another sport, activity or experience, as shown.

Special Exclusions

There is no cover for:

(i) Any competition, free-style skiing / snowboarding, ski/ snowboard jumping, ski-flying, ski / snowboard acrobatics, ski / snowboard stunting, or ski racing or national squad training, the use of skeletons.

(ii) Any unaccompanied dive, any dive in overhead environments, any dive for gain or reward, 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.

(iii) Free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres, mountaineering expeditions or expeditions to the Arctic or Antarctic.

(iv) Personal Accident

(v) Personal Liability

Adventure Sports, Activities & Experiences Level Special Conditions that apply Special Exclusions that apply
Abseiling (rappelling, rapping, rap jumping, deepelling, abbing); see also Climbing, and Mountaineering
1 Special Condition (a) Special Exclusion (iv)
Acrobatics (see Gymnastics, or Trapeze)
     
Aerial safari
1 Special Condition (a) Special Exclusion (iv)
Aerobics
1    
Air guitar
1    
American football (Gridiron)
3   Special Exclusion (iv) and (v)
Angling (see Fishing)
     
Athletics
1    
Australian Rules Football (AFL)
2   Special Exclusion (iv)
Backpacking (see Hiking)
     
Badminton
1    
Ballet
1    
Banana boat rides
1 Special Condition (a)  
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) Special Exclusion (iv)
Boating (inland and coastal waters); see also Speed boating and Sailing
1 Special Condition (a) or (b)

Policy excludes white water. Special Exclusion (v)
Boating (outside coastal waters); see also Speed boating, and Sailing
2 Special Condition (a) or (b) and Special Condition (c) Special Exclusion (iv) and (v)
Bobsled/Bobsleigh
4 Special Condition (a) Special Exclusion (iv) and (v)
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)
2   No competition or bouts
Bungee/bungy jumping
1 Special Condition (a)  
Bushcraft (see Hiking)
 

 

 

Bushwalking (see Hiking)
     
Camel riding (day tour)
1 Special Condition (a) Special Exclusion (v)
Camel trekking (overnight/main mode of transport)
2   Special Exclusion (v)
Camping up to 3,000 metres (see also Hiking, Mountaineering)
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)  
Canyoning
3

 

Special Exclusion (iv)
Capoeira dancing (see Dance)
     
Caving (sightseeing/tourist attraction)
1 Recreational visit only  
Cheerleading
1    
Clay pigeon shooting
1 Special Condition (a) or (b) Special Exclusion (v)
Climbing (see Rock climbing, or Ice climbing)
     
Cricket
1    
Croquet
1    
Cruising (cruise ship)
1    
Curling
1

   
Cycle racing/time trial
2

  Special Exclusion (v)
Cycling (incidental to the trip)
1   Special Exclusion (v)
Cycling (independent cycle touring)
2   Policy excludes intercontinental touring. Special Exclusion (v)
Cycling (on an organised tour)
1 Special Condition (a) Policy excludes intercontinental touring. Special Exclusion (v)
Dance (ballet, ballroom, capoeira, salsa, interpretive dance)
1    
Darts
1    
Dirt boarding
2   Special Exclusion (v)
Diving (see Scuba diving, High diving)
     
Dodge ball
1    
Dogsledding (on recognised trails)
1 Special Condition (a) Policy excludes remote areas, racing, time trials and endurance events.
Dragon boating (inland or coastal waters only)
1    
Dune buggy
1 Special Condition (a) or (b) Special Exclusion (v)
Elephant riding
1 Special Condition (a)  
Elephant riding (overnight/main mode of transport)
2   Special Exclusion (v)
Fell running/walking (see Hiking)
     
Fencing
1   Special Exclusion (v)
Fishing (ice)
1 Special Condition (a) or (b)  
Fishing (inland or coastal waters)
1 Sports / leisure fishing only Policy excludes commercial fishing and rock fishing.
Fishing (outside coastal waters, deep sea fishing)
2 Sports / leisure fishing only
Special Condition (a) or (b); and Special Condition (c)
Policy excludes commercial fishing and rock fishing.
Fitness training
1    
Floorball
1    
Fly by wire
2 Special Condition (a)  
Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter)
1 Special Condition (a)  
Flying (as a passenger in a glider or ultralight)
4   Policy excludes stunt flying/aerobatics and commercial flying. Special Exclusion (iv)
Flying (as a pilot or passenger of a private light aircraft)
4   Policy excludes stunt flying/aerobatics
commercial flying. Special Exclusion (iv) and (v).
Flying (gliding)
4 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Football (Soccer) including 5 a side
1    
Frisbee
1    
Glacier walking (ice walking)
1 Special Condition (a)  
Go karting
1 Special Condition (a) Special Exclusion (v)
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) Special Exclusion (iv) and (v)
High diving up to 10 metres
1   Policy excludes cliff diving
Hiking up to 3,000 metres (scrambling, hillwalking) - see also Mountaineering
1   Policy excludes where ropes, picks or other specialist climbing equipment is required.
Hiking up to 4,500 metres (scrambling) on recognised routes - see also Mountaineering
2   Policy excludes where ropes, picks or other specialist climbing equipment is required.
Hiking up to 6,000 metres (scrambling) on recognised routes - see also Mountaineering
3   Policy excludes where ropes, picks or other specialist climbing equipment is required.
Hockey
1    
Horse riding (equestrian, dressage, show jumping, eventing)
3   Special Exclusion (iv) and (v)
Horse riding (leisure/social/non-competitive riding)
1   Policy excludes racing, jumping, competitions. Special Exclusion (v)
Hot air ballooning (ballooning)
1 Special Condition (a) Special Exclusion (v)
Hunting (excluding Big Game)
1 Special Condition (a) or (b) Policy excludes Big Game Hunting. Special Exclusion (v)
Hydrofoiling (see Water skiing)
     
Ice climbing (see Mountaineering)
     
Ice hockey (indoor)
4   Special Exclusion (iv) and (v)
Ice skating (indoor)
1    
Ice skating (outdoor) on a commercially managed rink
1 Special Condition (a)  
Ice walking (see Glacier walking)
     
In-line skating
1    
Jet boating (inland/coastal waters only)
1 Special Condition (a) or (b) Special Exclusion (v)
Jet skiing (inland/coastal waters, grades 1-2 only)
1 Special Condition (a) or (b) Special Exclusion (v)
Kayaking/Canoeing (inland/coastal waters, grades 1-3 only, Sea kayaking/Sea canoeing)
1    
Kite boarding (on land or water)
1    
Kite buggy
2   Special Exclusion (v)
Kite flying
1    
Kite surfing
1    
Kite wing (land, water)
2   Special Exclusion (v)
Kite wing (snow)
4   Special Exclusion (iv) and (v)
Korfball
1    
Lacrosse
1    
Land surfing
2   Special Exclusion (v)
Martial arts (Judo & Karate only)
2 Special Condition (a); non-competitive only Special Exclusion (iv) and (v). Policy excludes competitions or bouts.
Martial arts training (non-contact)
1    
Moped riding/Scooter biking
1 Special Condition (b); and a helmet must be worn Policy excludes touring and/or where a motorbike is the main mode of transport. Special Exclusion (v).

Motor racing experience (passenger only)
1 Special Condition (a)  
Motor biking (on road over 125cc)
2 Special Condition (b); and a helmet must be worn Policy excludes touring and/or where a motorbike is the main mode of transport; Special Exclusion (v)
Motor biking (on road under 125cc)
1 Special Condition (b); and a helmet must be worn Policy excludes touring and/or where a motorbike is the main mode of transport; Special Exclusion (v)
Motor biking / trail biking (off-road 125cc or over)
4 Special Condition (b); and a helmet must be worn Policy excludes touring and/or where a motorbike is the main mode of transport; Special Exclusion (v)
Motor biking / trail biking (off-road under 125cc)
3 Special Condition (b); and a helmet must be worn Policy excludes touring and/or where a motorbike is the main mode of transport; Special Exclusion (v)
Motor biking pillion passenger (on road only); see Motor biking
     
Mountain biking (on road); see Cycling
     
Mountain biking - downhill (using downhill trails and/or mechanical lifts)
2   Special Exclusion (v)
Mountain biking - general (off road/cross country)
1   Special Exclusions (v)
Mountaineering to 6,000 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. Special Exclusions (iii) and (iv)
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)  
Paint balling/airsoft
1 Special Condition (a) Special Exclusion (v)
Parachuting (more than 1 jump)
4 Special Condition (a) or (b) Special Exclusion (iv) & (v)
Parachuting (one jump only)
1 Special Condition (a) or (b) Special Exclusion (v)
Paragliding/parapenting
4 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Parasailing/Parascending
4 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Parasailing/Parascending (over water only)
1 Special Condition (a) or (b) Special Exclusion (v)
Quad biking
1 Special Condition (a) or (b); and a helmet must be worn Special Exclusion (iv) and (v)
Racquetball
1    
Rambling. See Hiking if above 3,000 meters
1    
Rifle range/sports shooting
1 Special Condition (a) or (b) Special Exclusion (v)
River boarding/hydro speeding (grades 1-3); see also Canoeing.
1 Special Condition (a)  
Rock climbing (bouldering).
2   Special Exclusion (iv)
Rock climbing (indoor)
1 Policy excludes soloing. Special Exclusion (iv)
Rock climbing (outdoor/traditional/sport climbing/bolted/aid climbing/free climbing); see also Mountaineering
2   Policy excludes soloing. Special Exclusion (iv)
Roller hockey
1    
Roller skating
1   Policy excludes stunting.
Rollerblading
1   Policy excludes stunting.
Rounders
1

 

 

Rowing/sculling (inland/coastal waters)
1   Policy excludes white water rowing. Special Exclusion (v).
Rugby (League/Union)
2   Special Exclusion (iv) and (v).
Running (up to marathon distance)
2    
Running / jogging (half marathon distance or less)
1    
Safari tours
1 Special Condition (a) Policy excludes handling and/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) Special Exclusion (v)
Sailing (outside coastal waters)
2 Special Condition (a) or (b); and Special Condition (c) Special Exclusion (v)
Sandboarding/sand skiing
1    
Scuba diving (to 30 metres)
1 Special Exclusion (e) Policy excludes free diving and cliff diving. Special Exclusion (ii)
Scuba diving (to 50 metres)
3 Special Exclusion (e) Policy excludes free diving and cliff diving. Speed Exclusions (ii) and (iv).
Scuba diving (unqualified/learn to dive course/discover dive with qualified instructor)
1 Special Exclusion (a) Policy excludes free diving and cliff diving. Special Exclusion (ii) and (iv)
Sculling (see Rowing)
     
Segway tours
1 Special Condition (a); and a helmet must be worn

Special Exclusion (iv) and (v)
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) Special Exclusion (i)
Skiing (snowblading)
3 Special Condition (d) Special Exclusion (i)
Skiing/snowboarding
3 Special Condition (d) Special Exclusion (i)
Skiing / snowboarding (backcountry/outside of resort boundary/alpine ski touring)
4 Special Condition (d) Special Exclusion (i) and (iv)
Skiing / snowboarding (by helicopter/snow cat)
4 Special Condition (d) Special Exclusion (i) and (iv)
Skiing / snowboarding (dry slope)
3 Special Condition (d) Special Exclusion (i)
Skiing / snowboarding (terrain park within resort)
4   Special Exclusion (i) and (iv)
Skydiving / tandem skydiving (over 1 jump)
4 Special Condition (a) or (b) Special Exclusion (iv) and (v)
Skydiving /tandem skydiving (one jump only)
1   Special Exclusion (iv) and (v)
Sledding/tobogganing/snow sleds/snow sleighs (on snow)
3   Special Exclusion (iv) and (v)
Sleigh rides (horse drawn)
1    
Snooker
1    
Snorkelling
1    
Snow biking (on piste or off piste within resort boundaries)
3   Special Exclusion (i) and (iv)
Snow kiting
4 Special Condition (a) Special Exclusion (iv) and (v)
Snow rafting
4 Special Condition (a) Special Exclusion (iv) and (v)
Snowmobiling
3   Policy excludes remote areas, racing, time trials and endurance events. Special Exclusion (iv) and (v).
Soccer
1    
Softball
1    
Spearfishing
2   Special Exclusion (v)
Speed boating (inland/coastal waters only)
1 Special Condition (a) or (b) Policy excludes speed boating on white water or outside coastal waters. Special Exclusion (v)
Spelunking (see Caving)
     
Squash/racquetball
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)  
Table tennis
1    
Tandem skydiving (see Skydiving)
     
Tchoukball
1    
Ten pin bowling (see Bowling)
     
Tennis
1    
Theme parks / fairgrounds
1 Special Condition (a)  
Tough Mudder (see Outdoor endurance)
     
Trail bike riding (see motor biking)
     
Tramping (see Hiking)
     
Trampolining
1    
Trapeze/High Wire
3 Special Condition (a) Special Exclusion (iv)
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) Special Exclusion (iv)
Tubing on snow
4   Special Exclusion (iv) and (v)
Tuk Tuk (as a passenger)
1 Special Condition (a)  
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   Special Exclusion (v)
Water skiing/wakeboarding
1 Special Condition (a) or (b) Policy excludes jumping. Special Exclusion (v)
Weight training (see also Gym training)
1   Policy excludes powerlifting.
White water kayaking/canoeing (see Kayaking/Canoeing)
     
White water rafting (grades 1-5)
1 Special Condition (a)  
Windsurfing (inland or coastal waters only)
1   Special Exclusion (v)
Working - Any professional, clerical or administrative work; working as a classroom teacher, classroom assistant; au pair, nanny or child minder.
1   Special Exclusion (v)
Working - retail, bar or hospitality work involving light duties only.
1   Special Exclusion (v)
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   Special Exclusion (v)
Yachting (see Sailing)
     
Yoga (class, alone/home practice)
1    
Zip line
1 Special Condition (a)  
Zorbing
2 Special Condition (a) Special Exclusion (iv) and (v)

What's not covered - Specific Exclusions under Section 8

We won't cover any costs that directly or indirectly relate to or arise from your participation in any adventure sport, activity, work, study or volunteer experience in the following circumstances:

  1. You train for and/or participate in an activity at a professional level.
  2. Competing at an international event as a national representative.
  3. Participation in any adventure sports, activities, work, study or volunteer experiences where you don't purchase the appropriate adventure sports, work, study and volunteer level upgrade or where it is specifically excluded (including Special Exclusion (i)-(v)) in Section 8.1 - List of adventure sports, activities & experiences.
  4. You go against local authority warnings or enter closed or restricted areas or places or situations known to be unsafe or dangerous.
  5. Damage to any sporting equipment while in use; loss, damage or theft of any sporting equipment left unattended.
  6. Racing or participating in speed or time trials.
  7. Motorbike touring, or where a motorbike is the main mode of transportation.
  8. For motorised vehicles:
    1. not wearing a helmet where one would be required in the United Kingdom, regardless of the local laws; and
    2. operating any motorised vehicle without a valid licence for the same class of vehicle or watercraft in the United Kingdom and as required in the relevant country where you're travelling.
  9. Where you don't meet the Special Conditions (a)-(e) as specified in the list of adventure sports and activities); refer to Section 8.1 - List of adventure sports, activities & experiences.
  10. Undertaking or working in any dangerous, extreme or hazardous activities, and/or participating in any sports or activities in hazardous locations, such as for example:
    1. base jumping, cliff diving, free diving, martial arts competitions, potholing and caving, motor sports, stunt flying/aerobatics;
    2. taking part in dangerous expeditions; mountaineering expeditions or expeditions to the Arctic or Antarctica;
    3. crewing of a vessel more than 60 miles from a protected body of water;
    4. work as a guide where ropes or other specialist climbing equipment is required;
    5. work offshore or underground, including in caves;
    6. work as a ski, snowboard or diving instructor or guide;
    7. work operating machinery or heavy/industrial equipment;
    8. work at height without proper safety equipment. Work at height is further restricted to a maximum of two metres; or
    9. work in close proximity to dangerous animals including, for example, hippopotami, crocodiles, alligators, sharks, elephants, bears, big cats and deadly snakes.
  11. Your personal liability while in the course and scope of your work activity (including volunteer), internshipapprenticeship, profession, trade, business or employment (refer to Section 7).
  12. Any other reason listed under the General Exclusions, which are applicable to all sections of the policy.

General Exclusions

We cannot cover all things at all times. This section explains what's not covered under any part of this policy wording in addition to the specific exclusions shown under each benefit section.

What's not covered under any part of your policy

We won't cover any costs that directly or indirectly relate to or arise from the following, unless you have contacted us and we have confirmed in writing that you will be covered:

  1. You being 65 years of age or over at the date your Certificate of Insurance is issued.
  2. Medical expenses incurred within the United Kingdom.
  3. Failure to follow a warning issued by the Foreign & Commonwealth Office (FCO) advising against all or all but essential travel to a particular country or part of a country and you not taking the appropriate action to avoid or minimise any potential claim under your policy, including delay of travel referred to in the warning. Please refer to gov.uk/foreign-travel-advice or phone (+44) (0)20 7008 1500  for further information on the status of a region or country.
  1. No cover is available for any incident under any section of this policy should you travel to a country or region for which the FCO has issued a warning against all travel.
  1. You or anyone acting on your behalf not answering our questions accurately at the time you purchase your policy, where your answers may have impacted our decision to insure you.
  2. A change of mind, disinclination or reluctance to travel.
  3. Any pre-existing medical condition.
  4. Unused pre-paid travel tickets where repatriation has been arranged by our emergency assistance team.
  5. Where you don't have a return ticket, the cost of an Economy Class airfare at the carrier's regular published rates for the journey home, or the actual cost incurred, whichever is less.
  6. Travel after being given a terminal prognosis.
  7. Any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests treatment or surgery which are not directly related to the illness or injury which necessitated your admittance to hospital.
  8. Travelling against medical advice.
  9. Travelling overseas to undertake investigative procedures or travelling overseas to receive medical treatment, of whatever nature.
  10. Epidemics which have been placed under the direction of public authorities.
  11. Pregnancy and/or any related pregnancy complications, except as described in  Health conditions & your policy.
  12. Any sexually transmitted diseases or sexually transmitted infections (except where contracted through an assault).
  13. Solvent abuse; drug addiction; being under the influence of a drug, except a drug taken in accordance with the advice of a registered medical practitioner).
  14. Alcohol misuse; you drinking too much alcohol where it is reasonable in the circumstances to expect that such consumption could result in an impairment to your health, impairment of your faculties and/or seriously affect your judgment or exacerbates another medical condition. We do not expect to avoid drinking alcohol on your trip but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result.
  15. Unlawful acts, criminal acts or malicious acts by youor by a person acting on your behalf.
  16. Intentional, self-inflicted bodily injury, suicide or suicide attempts or other self-harm, by  you or any other person.
  17. Failure to take reasonable care to act as a reasonable, prudent person would in similar circumstances.
  18. Wilful or reckless exposure to exceptional risk or acting with reckless or wilful disregard for one's own or another's safety or property, except in an attempt to save human life.
  19. You climbing on top of, or jumping from, a vehicle or jumping from a building or balcony, or sitting, planking, balconing, owling or lying on any external part of any building, or climbing or moving from any external part of any building to another (apart from stairs, ramps or walkways) and falling regardless of the height, unless your life is in danger or you are attempting to save human life.
  20. Travel in an air-supported device, unless as shown in the list of adventure sports or activities and where you have purchased any required upgrade.
  21. Expenses which are recoverable from elsewhere. For example, payment recoverable from your credit or debit card issuer, by compensation under any workers' compensation act or transport accident laws or by any government- or employer-sponsored fund, plan, reciprocal health care agreement, medical benefit scheme or any other similar cover or insurance, which is available or is required to be effected by or under a law.
  22. Any search and/or rescue operations (including costs charged by a government, regulated authority or private organisation) connected with finding or rescuing you from a dangerous, life-threatening situation, except as provided under Section 3.3 Natural Catastrophe.
  23. Events for which the provision of cover or a liability to pay a benefit would expose us and/or our reinsurer(s) to any sanction, prohibition or restriction under United Nations resolutions or any sanctions, laws or regulations of the European Union, United Kingdom or the United States of America.
  24. Any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason, terrorist activity, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.
  25. Ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel; radioactive toxic explosives or other dangerous properties of nuclear machinery or any part of it.
  26. Financial or non-financial consequential loss of any nature, including loss of enjoyment.
  27. Errors or mistakes in any booking arrangements, including, for example failure to book a portion of a trip or obtain appropriate travel documents or visas.
  28. The bankruptcy, liquidation, insolvency or other financial failure of any person, company or organisation - including circumstances where a reasonable person, at time of booking or at time of purchase of this insurance, could expect the person, company or organisation would not be able to deliver their products or services.
  29. Expenses which you would still incur in the absence of an insured event.
  30. Any costs incurred on behalf of your other travelling party members who are not specified on your Certificate of Insurance.

How to buy it

This section will help you select a plan to suit you and your trip.

Once you purchase your policy, you'll receive an email confirming your purchase with your policy documents. If you are a World Nomads member, your Certificate of Insurance and policy wording will also be available to view from your World Nomads membership. Contact World Nomads as soon as possible if you don't receive the confirmation email or if the documents you receive are not correct; we will assist you with correcting your policy.

Do keep a copy of your Certificate of Insurance and this policy wording safe with any other documents sent to you, as these contain all the information about your policy. It's also a good idea to give a copy to a friend or relative at home, just in case.

Take the time to carefully read the policy wording to be sure the cover is right for you.

Is this policy right for you?  

The plan you choose (your policy) may be different to other plans you've purchased from other travel insurance companies or from World Nomads in the past.

You need to decide if the plan you choose will meet your needs and will cover your potential claim. This policy wording - with its applicable benefits, limits, options, terms, conditions and exclusions - will help you determine if the policy is right for you and will explain the coverage so there will be no surprises or disappointments if you need to use it.

Your policy is your contract with us and is comprised of:

  1. This policy wording - including the Summary of Cover - which explains the policy benefits (the situations covered), limits (amount covered), conditions (what you need to do and restrictions on cover) and exclusions (what's not covered). It determines how we can respond to help you, pay for your expenses or reimburse you, based on your situation and claim.
  2. The Certificate of Insurance, which will contain your details (for each person insured), your period of insurance, your premium, the plan purchased, any applicable upgrades to cover for sports and activities or specified personal items, and information on the policy excess;
  3. Any other documentation you complete and/or we issue to you.

This contract is only valid when you have a valid Certificate of Insurance and have paid the appropriate premium.

Your cancellation rights / Cooling-off period

You have up to 14 days from when we issue your Certificate of Insurance and policy wording to cancel your policy. This is called your cooling-off period.

Cancelling within the cooling-off period:

If you choose to cancel your policy within the cooling-off period, we will refund your premium, provided that:

  1. you haven’t travelled under your policy; and
  2. you are not making a claim; and
  3. you are not exercising any other right under the policy.

Cancelling outside the cooling-off period:

If you choose to cancel your policy outside the cooling-off period, no refund will be provided. If we agree to refund your premium, we may charge an amount for the cover provided (e.g. a proportion of the premium for the time on risk) and an administration fee.

If you are a World Nomads member, you may cancel your policy within the cooling-off period and before the start date on the policy by signing into your membership or by contacting us, by email, phone or post.

Information you have given to us

In deciding to accept this policy, we have relied on the information you have given to usYou must take care when answering any questions we ask by ensuring that all information provided is accurate and complete.

If we establish that you deliberately or recklessly provided us with untrue or misleading information we will have the right to.

  1. treat this policy as if it never existed.
  2. decline all claims. and
  3. retain the premium.

If we establish that you carelessly provided us with untrue or misleading information we will have the right to:

  1. treat this policy as if it never existed, refuse to pay any loss and return the premium you have paid, if we would not have provided you with cover;
  2. treat this policy as if it had been entered into on different terms from those agreed, if we would have provided you with cover on different terms;
  3. reduce the amount we pay on any claim in the proportion that the premium you have paid bears to the premium we would have charged you, if we would have charged you more.

We will notify you in writing if (i), (ii) and/or (iii) apply.

If there is no outstanding claim and (ii) and/or (iii) apply, we will have the right to:

  1. give you 30 days’ notice that we are terminating this policy; or
  2. give you notice that we will treat this policy and any future claim in accordance with (ii) and/or (iii), in which case you may then give us 30 days’ notice that you are terminating this policy.

If this policy is terminated in accordance with (1) or (2), we will refund any premium due to you in respect of the balance of the period of insurance.

Change in circumstances

You must tell us as soon as practicably possible of any change in the information you have provided to us which happens before or during any period of insurance.

When we are notified of a change we will tell we if this affects your policy. For example we may cancel your policy in accordance with the Cancellation and Cooling-off provisions. If you do not inform us about a change it may affect any claim you make or could result in your insurance being invalid.

What type of trip is covered?

This policy covers unexpected and unforeseen events for travel overseas, including if your trip is cancelled, curtailed or interrupted by specific  Insured Events (see Sections 2 and 3)We won't cover you for cancellation or other expenses if you simply change your mind. 

You are covered for:

  1. Holidays and leisure trips outside the United Kingdom, and trips that include non-manual work;
  2. The travel dates shown on your Certificate of Insurance, up to a maximum of 366 days;
  3. Trips that include manual work as detailed in Section 8 if you have paid the appropriate additional premium;
  4. Participating in sports, activities and experiences as detailed in Section 8 if you have paid the appropriate additional premium, as required. You are not covered for hazardous activities, other than as specified in Section 8, unless we agree in writing to include them.

Cover is amended by the terms, conditions, limits and exclusions outlined throughout this policy wording; read the policy carefully to decide if it will meet your needs.

Where are you going?

This policy only covers you when travelling outside of the United Kingdom. When you buy a policy, you must select all the countries and regions where you'll be travelling. Your premium will reflect the highest priced destination, and you are automatically covered to travel within that and all lower priced regions. For example, travel to the United States for a month will cost more than a trip to Italy, Greece and Spain for a month.

Your chosen countries and/or regions will be stated on your Certificate of Insurance.

The policy doesn't provide medical cover within the United Kingdom nor cover for other costs within the United Kingdom, unless noted otherwise.

Travel on a one way ticket

You don't need a return ticket to buy this travel insurance. However, as this expense is considered part of a normal trip, the cost of a ticket home is not covered under this policy.

If you don't have a return ticket and you need to return home for a covered reason, we'll deduct from your total claim the cost you would have normally paid for an Economy Class airfare at the carrier's regular published rates for the journey home or our actual cost incurred, whichever is less. If you have no other claim from which we can deduct this cost, we'll seek recovery directly from you following your return home (see Section 1 Emergency Medical & Dental Expenses Overseas, Section 2 - Cancellation, Curtailment & Trip Resumption  and  Section 3 - Trip Interruption for details).

Is it safe to go there?

Your policy will provide cover for your chosen countries and regions of travel unless there's a warning issued by the Foreign & Commonwealth Office (FCO) advising against all or all but essential travel to a particular country or part of a country and you choose to go there anyway. Refer to www.gov.uk/foreign-travel-advice or call 020 7008 1500 before you go and while travelling for the latest alerts and travel advice.

Plan options  

We offer you two plan options, with different policy benefits and limits:

  1. Standard Plan; and
  2. Explorer Plan.

Each plan also has optional extras you can purchase to increase the coverage for:

You don’t have to purchase the optional extras in order to buy a Standard or Explorer policy. However, if you choose to purchase any or all optional extras, the cost of the policy along with a breakdown of the optional extras costs will be provided during the purchase process.

How much does it cost?  

You'll be told the policy premium payable when you buy online through World Nomads.

The price is based on a number of factors, including the plan you choose, the countries you're visiting, the policy duration, the people covered and any additional options and upgrades. After paying the quoted premium, these cover details are confirmed in a receipt World Nomads will email to you and are shown on your Certificate of Insurance.

The premium payable to us includes any relevant compulsory government charges, taxes or levies (e.g. insurance premium tax) we are obligated to pay in relation to your policy.

Managing your policy

You can manage certain parts of your policy through your World Nomads membership or by contacting World Nomads. Please check all your policy documents carefully to make sure all the information is correct. We rely on the information you provide to manage your policy and assist you in the event of an emergency. If there are any errors, please contact World Nomads.

If you need to make changes, please provide any additional supporting information or documentation we request.  

Policy rates, terms and conditions which are current at the time a change is made will apply.

Extending your policy  

If you want to travel longer, you can extend your policy before 11:59pm GMT on the end date shown on your Certificate of Insurance using your World Nomads membership online, provided:

  1. you have not made nor do you intend to make a claim; and
  2. you're 64 years old or younger; and
  3. you remain a British citizen or resident of the United Kingdom.

If you are eligible to extend your policy, you may only do so before 11:59pm GMT on the policy end date (when your policy expires) and up to a maximum duration of 12 months (366 days) from the start date shown on your Certificate of Insurance. The premium rates available at the time of the extension will apply; however, the 14 day cooling off period does not apply to any extension.

Please ensure you extend your policy with us several days before it expires, due to time differences and possible administrative delays.

If you cannot extend your policy before it expires, you may buy a new policy while travelling; cover shall then be subject to the 72 hour waiting period. The rates, terms and conditions current at the time of purchase will apply. Refer to the table in When cover starts & ends.

In either case, the discovery of any new medical conditions – including if you experience any symptoms and/or receive any diagnoses – during any earlier period of insurance or an earlier return home will be considered pre-existing medical conditions in any subsequent period of insurance.

Refer to Delayed returning home? if you’re unavoidably delayed due to an insured reason.

Things to do after you buy this policy

  1. Read it! Cover to cover. Yes, all of it. No surprises or assumptions. Ask World Nomads if  you don't understand what it means.
  2. Give a copy of your policy wording and Certificate of Insurance to a friend or relative so they can contact our emergency assistance team as soon as possible if you're seriously ill, injured or die and are unable to contact us.
  3. Save the assistance phone number in your phone with your policy number, just in case you need to call our emergency assistance team quickly.
  4. Gather receipts for the items you're taking with you. Scan them and keep a copy in your inbox, just in case your baggage and personal items get stolen and you need to make a claim.
  5. Know how to contact your doctor at home just in case they have to provide a medical statement to confirm your health or medical conditions in case you need to make a claim for a sudden illness or  injury.

Contacts

Emergency Assistance

Our emergency assistance team is there to help you 24 hours a day, 7 days a week.

Always contact our emergency assistance team first to discuss your situation and options to keep you travelling - even if you don't consider your situation to be an emergency.

Our emergency assistance team's trained staff will help with medical problems, including locating nearest medical facilities and, if required, arranging your medical evacuation home. They can also assist with locating the nearest embassies and consulates as well as keeping you in touch with your close relatives and your employer in an emergency.

If you choose not to contact our emergency assistance team and we are placed in an adverse and prejudicial position and our exposure under this policy is increased,  we shall have no liability under this policy, unless you show that non-compliance with this condition could not have increased the risk of the loss which actually occurred in the circumstances in which it occurred.

Travel & Medical Assistance, 24 hours a day, 7 days a week

Phone: 0800 260 5081

From overseas, phone:
+61 2 8263 0470 or +353 21 237 8005

Email: [email protected]

Ask the local operator to connect you reverse charges or claim your call costs later.
You'll need the international dialling code or just the plus sign (+) to dial the number correctly on your mobile phone.
Please have your policy number and local phone number handy when you call.

When other things go wrong

This policy wording explains under each section what you must do when something happens, including before you start your trip, while you’re still travelling and when you’re ready to claim. Review each section carefully and contact us if you require more help.

Customer Service
What Who How When
Sales, Amendments & Member Services
- Questions
- Changes to your policy
- World Nomads membership
World Nomads
They sell this product to you online, provide policy information and assist with arranging, issuing, varying and cancelling your policy.
Contact the World Nomads Service Team:

Phone: 0800 260 5081 (free call in the United Kingdom)

Phone: +353 21 237 8000 (from overseas)

Email:
[email protected]

Available from 9am to 5pm Monday-Friday, during Ireland business hours
Claims & Policy management
What Who How When
Policy & Claims Service
- Claims management
- Policy management
- Complaints
Nomadic Insurance Benefits Limited act on behalf of us, certain underwriters at Lloyd's (your insurer) to issue and manage your policy and handle your claims. They also provide an internal dispute resolution service if you're unhappy with the product or any service provided.

Phone: 0800 260 5081 (free call in the United Kingdom)

Phone: +353 21 237 8000
(from overseas)

Email:
[email protected]

PO Box 912
South Cork DSU
Cork, Ireland

Available from 9am to 5pm Monday-Friday, during Ireland business hours

How to make a claim

  1. When something goes wrong, follow the instructions set out in the applicable cover section of the policy (see 'What you must do' in each section in What's covered & not covered).
  2. In the event of a medical emergency (particularly if you’re admitted to hospital as an in-patient or where the cost of treatment is likely to exceed £500), please contact our emergency assistance team as soon as possible under the circumstances, and they will work with our claims team to support you and keep you informed. Once the emergency – or other issue – is over, you may need to submit a claim with supporting documentation either while travelling or on your return.
  3. For all other claims, you may submit a claim with all relevant documentation, either while travelling or on your return.
  4. You may submit a claim online through your World Nomads membership or by requesting a claim form from World Nomads. Written notice should be sent to our claims team as soon as possible of your return home to enable the timely collection of evidence and assessment of your
    claim. If you don't give our claims team notice of your claim as soon as is possible, we can limit or reduce your claim by the amount we have been disadvantaged because of the delay.
  5. Depending on the circumstances of your claim, it may be necessary for you to undergo a medical examination to enable us to assess your claim appropriately; if this is the case, we will explain why it is necessary, and you must agree to this undertaking to progress your claim. Similarly, in the event of death, the circumstances of your claim may indicate it is necessary to conduct a post mortem examination; this examination will be at our expense.
  6. Provide your full cooperation at all times, and answer all queries on the claim form completely and truthfully. If the claim form is not fully completed by youwe may require further information from you, and this may cause a delay in our processing of your claim.
  7. To help prove your claim, we require that you provide only supporting information that is relevant to your claim, and we will reimburse any reasonable expenses you incur in providing us with this information. This information allows our claims team and us to verify the facts of your claim and make an accurate decision. Our claims team may request original copies of these documents, so keep them safe:
    1. medical receipts and medical reports from treating doctors explaining the diagnosis provided, medical tests and treatment given/requested;
    2. police reports and detailed incident reports from any travel or service provider, property manager or other appropriate authority, given the circumstance;
    3. a Property Irregularity Report or other incident report from common carriers and all correspondence of any settlement they make with you;
    4. original receipts, valuations (particularly for specified items) and proof of ownership, age and value of  baggage items;
    5. original repair quotes and accounts; original damaged items; and
    6. travel itineraries and other evidence of costs incurred.

If you do not comply with the above conditions it may impact your ability to make a claim under this policy.

How your claim will be managed

Nomadic Insurance Benefits Limited, our claims team, is authorised by us to handle your claims under this policy on our behalf.

Our claims team, will work directly with you while assessing your claim. They will:

  1. Confirm receipt of your claim within 10 business days, provide you with a claim number and allocate a case manager to your claim.
  2. Inform you in writing within 10 business days of receipt if additional information is required.
  3. Process your claim within 10 business days of receiving all necessary supporting documentation. They'll determine which expenses are covered (or not covered), calculate the settlement value of your claim and inform you in writing.
  4. Deposit approved payments into your United Kingdom bank account, unless you authorise a payment to someone else. We are not responsible for your bank fees or charges applicable to this payment.

We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.

Contact our claims team if you have a question about making a claim or if you need to submit a claim form and supporting documentation:

Claims Service

Phone: 0800 260 5081 (free call in the United Kingdom)
Email: [email protected]

Travel Claims
Nomadic Insurance Benefits Limited
PO Box 912
South Cork DSU
Cork, Ireland

How your claims settlement is calculated  

  1. Covered expenses will be determined according to the terms and conditions of the policy.
  2. These expenses will be converted into British Pounds to determine the initial claim value.
  3. Where applicable, we deduct from your claim an amount for depreciation of your baggage and personal items due to age, wear and tear and loss of value. (We consider factors such as the type of item, its age, expected life span, value in the second-hand market and advances in technology to calculate depreciation.) Depreciation will not apply to those items which you've specified as high value items.

    If item limits or other sub-limits apply, these will be calculated, and the lesser of the total claim value compared to the value after applying depreciation and item limits and sub-limits will be paid.
  4. Any applicable excess will be subtracted from the total claim value to determine the final settlement value. If an excess is applicable to your claim, it's applied per person insured, per insured incident giving rise to a claim.
  5. All claims are paid in British Pounds. The rate of currency exchange that will apply is the rate at the time you incurred the expense.

Your responsibilities when you make a claim  

You must not make any payment, admit liability, offer or promise to make any payment without our written approval.

You must take all reasonable steps to report and recover any lost or stolen articles, such as reporting a theft to authorities to document the event and find the person responsible; reporting lost property to a security officer to document the loss with an independent source and providing your details so you can be contacted if items are later found. Damaged articles must be retained by you and, if requested, submitted to our claims team in order to substantiate your claim, including proving the item’s value and your ownership. If you do not comply with this condition it may impact your ability to make a claim claim under the policy.

If we have a claim against someone in relation to the money we have to pay or have paid you under this policy, you must do everything you can to help us recover money from them in legal proceedings. If you're aware of any third party that you or we may recover money from, you must inform us of such third party.

If you can make a claim against someone else, other than under an insurance policy, you must claim from them first. If they don't pay you the full amount of your claim, we'll make up the difference.

If any loss, damage or liability covered under this policy is covered by another insurance policy, you must give us details. If you make a claim under one insurance policy and you're paid the full amount of your claim, you cannot make a claim under the other policy. If you make a claim under another insurance policy and you're not paid the full amount of your claim, we'll make up the difference. We may seek contribution from your other insurer. You must give us any information we reasonably ask for, to help us make a claim from your other insurer.

We may undertake in your name and on your behalf, control and settlement of proceedings for our own benefit to recover compensation or secure reimbursement from any party in respect of anything covered by this policy; this is called subrogation. You must provide all reasonable assistance to us and give permission for us to use any reasonable means possible to recover compensation or secure reimbursement from other parties to which we may become entitled or subrogated upon us paying your claim under this policy, even if we have yet to pay your claim, and whether or not the amount we pay you is less than full compensation for your loss.

Where we recover money from others  

We'll apply any money we recover from someone else under a right of subrogation in any manner we determine.

If we pay you for stolen or damaged property and you later recover the property or it's replaced by a third party, you must pay us the amount of the claim we paid you.

If we have paid your total loss and you receive a payment from someone else for that loss or damage, you must pay us the amount of that payment up to the amount of the claim we paid you.

Fraud

If you, or anyone acting for you, makes a fraudulent claim, for example a loss which is fraudulently caused and/or exaggerated and/or supported by a fraudulent statement or other device, we:

  1. will not be liable to pay the claim; and
  2. may recover from you any sums paid by us to you in respect of the claim; and
  3. may by notice to you treat this policy as having been terminated with effect from the time of the fraudulent act.

If we exercise our right under (c) above:

  1. we shall not be liable to you in respect of a relevant event occurring after the time of the fraudulent act. A relevant event is whatever gives rise to our liability under this policy (such as the occurrence of a loss, the making of a claim, or the notification of a potential claim); and
  2. we need not return any of the premium paid.

Preventing fraud  

Insurance fraud places additional costs on honest policyholders. Fraudulent claims force insurance premiums to rise. We encourage the community to assist in the prevention of insurance fraud. All information will be treated as confidential and protected to the full extent under law. You can help report insurance fraud by contacting World Nomads.  

Definitions

Words in this policy wording that have special meanings are shown in bold and form part of the terms and conditions of your policy. We have defined them to help you understand your policy. Plurals and other forms of these words shall have the same meaning as in the singular.

A

Arises, arising: directly or indirectly caused by, resulting from, related to, attributable to or in any way connected with.

 

B

Baggage; baggage and personal items; belongings: 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.)

British citizen:   A UK Passport Holder which describes the holder as a British citizen or citizen of the United Kingdom, who has a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom.

 

C

Carrier, common carrier: a public transport company that is licensed to carry passengers for a fee, excluding taxis and rental vehicle companies, and operating to regular public schedules/timetables.

Close relative(s): your spouse/ partner, fiancé, fiancée, parent, parent-in-law, daughter, son, adopted or de facto daughter or son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, step-parent, step-brother or step-sister, step-son, step-daughter or guardian normally residing in the United Kingdom.

Curtail/ Curtailment: Return home before the scheduled end date.

 

D

Dependents: your financially dependent children or grandchildren who normally reside with you and who are in full time education, are 20 years old or younger at the time you buy and extend your policy, are travelling with you on your trip, and are listed as covered on your Certificate of Insurance.

 

E

End date: the date you nominate, at the time of buying the policy, on which you intend policy coverage to end. This date is shown on your Certificate of Insurance and impacts on the terms and conditions of your policy.

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.

 

H

Hazardous activities: any sport, activity or experience which could pose an increased risk or danger to you and may require you to take additional precautions to avoid injury or claim.

Home: your usual place of residence in the United Kingdom as shown on your Certificate of Insurance.

 

M

Medical practitioner: means a qualified medical/ dental practitioner or specialist who is registered or licensed to practice medicine under the laws of the country in which they practice but does not include you or a member of your family.

Money: cash, any legal currency, travellers’ cheques, cheques, and postal and money orders held by you for social domestic and/or leisure purposes.

 

N

Natural catastrophe: Hurricane, tornado, tsunami, earthquake, volcanic eruption, storm, flood, landslide, avalanche, fire, high water or explosion.

 

P

Permanent total disablement: Disablement, certified by a medical practitioner 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.

Pre-existing medical condition: where you, a member of your travelling party, a close relative or any other person upon whom your trip depends has, at the time of policy purchase:

  1. An ongoing medical or dental condition, or related complication, the symptoms of which you are aware, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; and/or
  2. a medical or dental condition for which advice, treatment or medication has been prescribed by a medical practitioner, dentist or a chiropractor within 180 days before you purchased your policy.

Pregnancy complication: any secondary diagnosis occurring prior to, during the course of, concurrent with, as a result of or related to the pregnancy which may adversely affect the pregnancy outcome.

 

R

Resident: A holder of a UK residency visa with:

  1. unrestricted right of entry into the United Kingdom, and
  2. access to long-term medical care in the United Kingdom, and
  3. a permanent residential address in the United Kingdom.

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.

 

S

Start date: the date you nominate, at the time of buying the policy, on which you intend your trip to begin. This date is shown on your Certificate of Insurance and impacts on the terms and conditions of your policy.

 

T

Terrorist activity: Act(s) including for example the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Travel documents: passports, driving licences, visas and other government-issued documents required to enter and exit a country.

Travelling party: you, any other person listed as covered on your Certificate of Insurance, and any travel companion who has made arrangements to accompany you or with whom you are intending to stay.

 

U

Unattended: when your baggage and personal items are not in your full view, and/or are:

  1. in any position where it can be taken without yourknowledge or permission; and/or
  2. at such a distance from youthat you're unable to prevent it being taken.

United Kingdom: England, Scotland, Wales, Northern Ireland and the Isle of Man.

 

V

Valuables; Valuable items: watches, furs, jewellery,  photographic equipment, binoculars, telescopes, spectacles, sunglasses, contact or corneal lenses, computers and or accessories (including laptops, games & gaming consoles), PDA’s and tablet devices (including iPad’s and eBooks), video cameras, audio visual equipment (including portable speakers and headphones), DVD players, mobile phones, drones and satellite navigation devices.

 

W

We, our, us: your insurer, being certain underwriters at Lloyd's, in respect of Syndicate 2003, who have appointed Nomadic Insurance Benefits Limited to act on our behalf to arrange issue and manage your policy and handle your claims for us and World Nomads (except as defined under the section Privacy Notice).

Wear and tear: a reduction in value through age, natural deterioration, ordinary use, depreciation due to use, damage by exposure to the light, lack of maintenance or damage which happens gradually over a period of time.

Work: any work, including volunteer work, work placements, incidental work and work experience, whether paid or unpaid, which can be classified as either:

  1. Non-manual work, which is any professional, clerical or administrative work involving light duties only, including for example a classroom teacher or assistant, au pair, nanny or child minder; or
  2. Manual work, which is general work other than non-manual work. Manual work includes for example general cleaning, maintenance, bartending, WWOOFing (participating in World Wide Opportunities on Organic Farms) and general farmhand activities.

 

Y

You, your, yourself: each person or people named on the Certificate of Insurance.

Other Important Information

 

Privacy Notice  

Nomadic Insurance Benefits Limited, NIBL, is part of a group of companies whose parent company is nib holdings limited. We have a Group Privacy Policy which contains information about the general use of personal and sensitive information by the group, available on request or via www.worldnomads.com/privacy. (In this Privacy Notice, “we”, “us” and “our” refer collectively to World Nomads Travel Lifestyle (Europe) Limited, NIBL and nib holdings limited.)

In order to provide you with your insurance policy, we may use your information in ways different to those explained in the Group Privacy Policy. Set out below is your specific Privacy Notice from us; where this conflicts with the Group Privacy Policy the information in the Group Privacy Policy prevails.  

What information do we collect about you?

There are situations in which we ask you to give us personal information about yourself, including information like your name, age, gender, contact details, bank account and credit card details. Where applicable, we may also request and collect your information through our claims and complaints processes. The sensitive information we may collect may include health information, such as information about your medical conditions and treatment. If customers choose to purchase this travel insurance, we collect their credit card details and other identifying information in order to process orders and provide customer service.

When you provide personal information about other individuals, we rely on you to have made them aware that you are providing the information to us and of this Privacy Notice.

Please see the World Nomads' Group Privacy Policy for more details, www.worldnomads.com/privacy.

What do we do with your personal information? How long do we keep it for?

We use your personal information to provide you with your insurance policy and our insurance services in relation to that policy. This includes providing you with a quote; arranging and managing your travel insurance and insurance-related services; providing you with emergency assistance; managing, processing and investigating claims; and managing your and our rights and obligations in relation to the insurance.

We will only hold your personal information for as long as necessary for any purpose for which it may be used or disclosed, or to comply with any legal or ethical reporting or retention requirements. Where personal information is no longer needed by us for any purpose and as soon as the law permits, we will use secure methods to destroy or de-identify that information.

For what other purposes do we process your information?

Personal Information:

We may process your personal information for:

  1. research and product development
    1. on the basis of our legitimate interest to develop and improve our services
  2. marketing and competitions
    1. on the basis of our legitimate interest to promote services to you which we think may be of interest, we will only do so where we have provided you with an opt-out on collecting your details, and each time we contact you there will be an opportunity to unsubscribe
  3. IT systems maintenance and development
    1. on the basis of our legitimate interest to maintain the working and secure practices of our IT systems

Please see the Group Privacy Policy for more details at www.worldnomads.com/privacy

Sensitive Information:

We may need to process your sensitive information (e.g. health details):

  1. on arranging and managing your travel insurance
    1. We will need to collect your consent to process your sensitive information for this purpose
  2. to administer and provide insurance services (for example to provide you with emergency assistance)
    1. We will need to collect your consent to process your sensitive information for this purpose
  3. to manage, process and investigate claims
    1. Unless it is necessary to process your sensitive information for the exercise or defence of legal claims, we will need to collect your consent to process your sensitive information for this purpose

Your rights - where we process your personal information (i) based on your consent; (ii) where it is necessary in order to enter into the insurance policy (contract) with you; or (iii) due to a statutory or contractual obligation

Your consent to our processing of your personal information for certain purposes may be necessary to comply with applicable data protection laws; and where this is the case we will ask for your consent in accordance with those laws.

You may withdraw your consent to such processing at any time. However, where you (i) withdraw your consent; (ii) fail to provide information requested in order to enter in to the insurance policy (contract) with us; or (iii) fail to provide information required by us to fulfil the contractual obligations with you or statutory obligations; then this is likely to impact our ability to provide your insurance cover and pay claims under the cover.

Who do we collect your personal and sensitive information from?

  1. You
  2. Persons you authorise (for example, family members, travelling companions, doctors and hospitals)
  3. Third parties who assist us with providing your insurance products and services (such as travel agents, travel insurance providers, insurers and reinsurers, claims handlers, investigators and cost containment providers, medical and health service providers, government entities, legal and other professional advisers)

Who might we share your personal information with?

There may be instances where we need to share your personal information with:

  1. third parties acting on our instructions, assisting with providing your insurance
  2. participants in the insurance market
  3. your agents (e.g. persons you have authorised to act on your behalf)
  4. our related group companies, who assist in providing your insurance policy
  5. parties who assist us with product development, marketing, competitions, research, IT systems maintenance and development, recovery against third parties and fraud prevention
  6. Travel agents, consultants and travel insurance providers
  7. Claims handlers, investigators, and cost containment providers
  8. Medical and health service providers
  9. Legal and other professional advisers
  10. Law enforcement, regulatory and government entities and courts where we are legally required or authorised to do so

Will your personal information be transferred outside of the European Union?

Your personal information may be transferred outside of the European Union to:

  1. third parties we use to assist in the administration of our services; and
  2. companies within the nib group, who assist in providing and administering your insurance policy.

 An adequacy decision may not be in place in the countries where those companies are located, however, we take the protection of your personal information very seriously and so have put in place appropriate measures with each of these parties to protect your information.

When you provide personal information about other individuals, we rely on you to have made them aware that you are providing the information to us and of this Privacy Notice. 

Your rights

You have certain rights, under data protection legislation, in relation to the personal information that we hold about you. These rights are subject to certain exemptions such as public interest (eg prevention of crime) and our interests (eg maintaining legal privilege). Your rights include:

  1. the right to access your personal information;
  2. the right to rectification of your personal information;
  3. the right to erasure of your personal information;
  4. the right to withdraw your consent for us to process information, where this is our basis for processing;
  5. the right to restrict or object to the processing of your personal information;
  6. the right to data portability;
  7. the right to object to receiving marketing; and
  8. the right to complain to your supervisory authority about the use of your personal information; in the UK, the supervisory authority is the Information Commissioner’s Office.

Please note you may not access or correct personal information of others unless you have been authorised by them or are authorised under law.

If you would like to contact World Nomads about your rights, please contact World Nomads' Data Protection Adviser in writing at PO Box A975, Sydney South NSW 1235, Australia or at [email protected]

Certain Underwriters at Lloyd’s will also process your information. If you have questions or concerns regarding the way in which your personal information has been used by them, please contact: [email protected]. For more information about how Certain Underwriters at Lloyd’s process your personal information, please see their full privacy notice at: http://xlgroup.com/footer/privacy-and-cookies

If you have a complaint

We are dedicated to providing a high quality service and we want to ensure that we maintain this at all times. If you have questions or concerns about the policy or the handling of a claim, please contact World Nomads.

If you wish to make a complaint you can do so at any time by referring the matter to:

Nomadic Insurance Benefits Limited
PO Box 912
South Cork DSU
Cork, Ireland
Phone: 0800 260 5081 (local call in the United Kingdom)
+353 21 237 8000 (outside the United Kingdom)
Email: [email protected]

The Customer Relations team has an internal disputes resolution (IDR) process through which your complaint will be managed. They will acknowledge each complaint in writing within 5 business days of the complaint being received. If more time is needed to collect necessary information or complete any further investigation required, they will agree with you a reasonable alternative timeframe.

It is recommended that all supporting documentation be submitted in writing so your costs and the circumstances of your complaint can be verified. You will need to allow our Customer Relations team the full opportunity to investigate and resolve your complaint.

If you remain dissatisfied after we have considered your complaint, it may be possible in certain circumstances to refer the complaint to Lloyd’s. Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint – How We Can Help” available at www.lloyds.com/complaints and are also available from Lloyd’s at:

Lloyd’s Complaints
One Lime Street
London
EC3M 7HA

If you remain dissatisfied after Lloyd’s has considered your complaint, or you have not received a decision by the time Lloyd’s has taken eight (8) weeks overall to consider your complaint, you can refer your complaint to the Financial Ombudsman Service at:

Exchange Tower
London
E14 9SR
Email: [email protected]
Telephone Number:
From within the United Kingdom
0800 0234 567
calls to this number are free on mobiles and landlines
0300 1239 123
calls to this number cost no more than calls to 01 and 02 numbers

From outside the United Kingdom
+44(0) 20 7964 0500
Fax number: +44 (0) 20 7964 1001
Text number: 07860 027 586    call back service

The Financial Ombudsman Service can look into most complaints from consumers and small businesses. For more information contact them on the above numbers or address, or view their website: www.financial-ombudsman.org.uk.

The European Commission also provides an on-line dispute resolution (ODR) platform that allows consumers to submit their complaint through a central site, which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. The ADR scheme for Nomadic Insurance Benefits Limited is the Financial Ombudsman Service, which can be contacted directly using the contact details above. For more information about ODR please visit http://ec.europa.eu/odr.

Choice of law  

The parties are free to choose the law applicable to the policy. Unless specifically agreed to the contrary the policy shall be governed by English law and subject to the exclusive jurisdiction of the courts of England and Wales.

Unless otherwise agreed the language of the policy shall be English.

Third Party Rights  

A person who is not a party to this contract of insurance has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this contract of insurance, but this does not affect any right or remedy of a third party that exists or is available apart from that Act.

The insurer and other providers

Benefits under this policy are arranged, managed and administered by Nomadic Insurance Benefits Limited (NIBL) in Ireland on behalf of us, Certain Underwriters at Lloyd’s in respect of Syndicate 2003 (the insurer), pursuant to a binding authority granted by us to NIBL, as detailed in your Certificate of Insurance. NIBL at all times acts as our agent and not your agent.

Nomadic Insurance Benefits Limited is regulated by the Central Bank of Ireland. Nomadic Insurance Benefits Limited is registered as a private company limited by shares in Ireland under company number 601851.

The liability of each entity defined as an insurer under this policy is several and not joint with the other entities (if any) defined as an insurer under this policy. In the case of a Lloyd's Syndicate, each member of the Syndicate (rather than the Syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the Syndicate (that total itself being the total of the proportions underwritten by all the members of the Syndicate taken together).  The liability of each member of the Syndicate is several and not joint with other members.  A member is liable only for that member's proportion. A member is not jointly liable for any other member's proportion, nor is any member otherwise responsible for any liability of any other insurer that may underwrite this policy. The business address of each Syndicate member is Lloyd's, One Lime Street, London EC3M 7HA.  The identity of each member of a Lloyd's Syndicate, and their respective proportion, may be obtained by writing to Market Services, Lloyd's, One Lime Street, EC3M 7HA.

We, Certain Underwriters at Lloyd’s in respect of Syndicate 2003, are authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Catlin Underwriting Agencies Limited is the managing agent of Syndicate 2003 and authorised by the PRA and regulated by the FCA and the PRA (Firm Reference No. 204848); registered office 20 Gracechurch Street, London, EC3V 0BG; registered in England, Company Number 1815126. This information can be viewed on the FCA’s website at www.fca.org.uk, which includes a register of all the firms they regulate, or by calling the FCA on 0800 111 6768.

This travel insurance is marketed and promoted by World Nomads Travel Lifestyle (Europe) Limited, trading as World Nomads. World Nomads is registered as a private company limited by shares in Ireland under company number 601852.

World Nomads and NIBL are associated entities whose ultimate parent entity is nib holdings limited (Australian Company Number 125 633 856).

Contact details for World Nomads are as follows:

Phone: 0800 260 5081 (free call in the United Kingdom)
+353 21 237 8000 (from overseas)
Email: [email protected]

Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if we are unable to meet our obligations under this policy. If you are entitled to compensation under the Scheme, the level and extent of the compensation will depend on the nature of this policy. Further information about the Scheme is available from the Financial Services Compensation Scheme (PO Box 300, Mitcheldean, London, GL17 1DY) and on their website: www.fscs.org.uk.

Updating the policy wording  

This policy wording is current for the period of insurance outlined on your Certificate of Insurance. From time to time, we may need to update this policy wording if certain changes occur, where required and permitted by law. If the changes affect a policy you currently have with uswe may issue you with a new policy wording to update the relevant information; if we do so, we will notify you in writing via your email, home address, phone number and/or via our website at www.worldnomads.comWe ask that you read the new policy wording in full to understand the changes, as they may affect your cover or your decision to purchase cover with us.

Sanctions 

We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.

Responsibility for the document

Certain Underwriters at Lloyd's in respect of Syndicate 2003 are responsible for the policy wording.

Date prepared: 28 February 2019
Date effective: 28 February 2019
Version: WNUK-policy wording-02-28FEB2019