Annual Multi-Trip Travel Insurance for people with Pre-Existing Medical Conditions

Covered Reasons:

1. You or a travelling companion becomes ill or injured, or develops a medical condition disabling enough to make you cancel your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
2. A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
3. You, a travelling companion, family member or your service animal dies on or after the date your policy was issued.
4. You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
5. You or a travelling companion is in a traffic accident on the departure date.
6. You are legally required to attend a legal proceeding during your trip.
7. Your primary residence becomes uninhabitable.
8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
9. You or a travelling companion is involuntarily made redundant by a current employer after your trip booking date.
10. You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
11. You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
12. Your or travel companion's travel documents required for the trip are stolen.

• While on your trip abroad, you have a sudden, unexpected illness (including unexpected complications of pregnancy orn childbirth), injury or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
• While on your trip abroad, you have a dental injury or infection, a lost filling or a broken tooth that requires immediate treatment.

If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of the Emergency medical/dental cover abroad section.

Please Note: If you have pre-existing medical conditions and need cover in case you require emergency medical treatment related to them, you will need to complete a medical screening beforehand to see if cover is available and pay the appropriate additional premium.

Covered Reasons:

1. Your lost prepaid trip expenses and additional expenses you incur while and where you are delayed for meals, accommodation, communication and transportation. The delay must be for a minimum delay of 12 full hours and a maximum daily limit also applies as shown in the ‘Cover Summary’.
2. If the delay causes you to miss the departure of your cruise or tour, necessary transportation expenses to either help you rejoin your cruise/tour or reach your destination.
3. If the delay causes you to miss the departure of your flight or train due to a local public transportation delay on your way to the departure airport or train station, necessary transportation expenses to either help you reach your destination or return home.

• your death within a year of the accident; or
• your permanent disability (including permanent loss of your sight or loss of use of a hand or foot) within three months of the accident.

Please refer to the policy wording for full details on this area of cover.

Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Cover section (Section F).

Covered Reasons:

1. You or a travelling companion becomes ill or injured, or develops a medical condition that is disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
2. A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or a pandemic disease such as COVID-19).
3. You, a travelling companion, family member or your service animal dies during your trip.
4. You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
5. You or a travelling companion is in a traffic accident.
6. You are legally required to attend a legal proceeding during your trip.
7. Your primary residence becomes uninhabitable.
8. Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
9. You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
10. You or a travelling companion is a traveller on a hijacked aircraft, train, vehicle, or vessel.
11. You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
12. You miss at least 50% of the length of your trip due to travel carrier delay, a strike or industrial action, natural disaster, roads are closed due to severe weather, lost or stolen travel documents that cannot be replaced in time, or civil disorder.
13. A travel carrier denies you or a travelling companion boarding based on a suspicion that you or a travelling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include being denied boarding due to your refusal or failure to comply with rules or requirements to travel or of entry to your destination.

• Cost to repair the damaged baggage; or
• Cost to replace the lost, damaged or stolen baggage with the same or similar item, reduced by 10% for each full year since the original purchase date, up to the maximum of 50% reduction.

Please Note: The gadgets that you take on holiday may not fall under the Baggage definition in the policy wording or the valuables limit, and meaning your gadgets may not have cover when you are abroad. You may need to also purchase the gadget cover Option to cover them.