Key Sections of Cover Explained

Main Travel Insurance Policy Benefits Explained

Below you will find sections of cover that may be included in your Able2Travel Travel Insurance policy, along with a summary of what that cover consists of. The following is only a brief abridged summary and the Policy Wording takes precedent and contains the full terms, conditions and restrictions in cover.

Click here to view the policy wording.

Although some cover sections come with Able2Travel Travel Insurance’s travel policy as standard, others are add-ons, which, you may opt to include on your travel insurance policy, for an additional premium. Subsequently, not all sections of cover detailed below are necessarily applicable to you. Your Policy Certificate will display any additional covers that you may have purchased. If you have already purchased your Able2Travel Travel Insurance, you should have already received a confirmation email containing your Able2Travel Travel Insurance policy document as an attachment. If you have not please contact us to arrange re-sending it - click here to contact us.

IMPORTANT NOTE: This will outline the key sections of your Travel Insurance cover and options. This summary is provided for convenience purposes only to give limited information on the applicable Policy, available in conjunction with the Able2Travel Travel Insurance. It is not a contractual summary. Always refer to your policy documents for information regarding your specific policy. It is important to note that all policy benefits are subject to terms, conditions and exclusions.

Key Sections of Cover:

1. Cancellation or Curtailment

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for your part of the unused travel and accommodation costs (including unused pre-booked excursions and course fees) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance;

Covered Reasons:

1. the accidental bodily injury, unexpected illness or death of you, your travelling companion, your business colleague or person with whom you intended to stay.
2. the accidental bodily injury, unexpected illness or death of your relative or the relative of your travelling companion, a business colleague or person with whom you intended to stay.
3. receipt of a summons for jury service, being subpoenaed as a court witness or being placed in compulsory quarantine.
4. unexpected requirement for emergency and unavoidable duty as a member of the armed forces, police, fire, nursing, ambulance or coastguard services resulting in cancellation of previously agreed leave.
5. redundancy, provided that you are entitled to payment under the current redundancy payments legislation and that at the time of booking your trip or purchasing your policy, whichever is the later, you had no reason to believe that you would be made redundant. You must have had 2 years continuous employment with that employer.
6. your presence being required to make your property safe and secure following fire, flood or burglary that causes serious damage at your home within 48 hours prior to your departure, or whilst you are away.
7. your motor vehicle becoming unusable as a result of theft, fire or accident within 7 days prior to your departure. This only applies if you are planning to go on a self-drive trip in the car.

2. Travel Delay & Abandonment

Travel delay - You are covered for your chosen level of cover up to the amounts shown in the Benefits Schedule per complete 12 hour period of delay up to the maximum payable if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours.

Abandonment - However, if your departure from your home country is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under Section 1 - Cancellation or Curtailment.

3. Missed Departure & Journey Disruption

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for necessary additional travel and accommodation expenses that you incur;

Missed Departure - to get you to your trip destination if you arrive at any departure point shown in your pre-booked itinerary too late to board the public transport on which you are booked to travel as a result of;

1. the failure of public transport, or
2. a road traffic accident or motor vehicle breakdown delaying the motor vehicle in which you are travelling.

Catastrophe - because you are forced to move from pre-booked accommodation to continue your trip or, if the trip cannot be continued, to return home as a result of;

1. fire, lightning or explosion rendering the pre-booked accommodation uninhabitable,
2. local medical epidemic or directive from a qualified national or local authority directly affecting the area where the pre-booked accommodation is,
3. hurricane, storm or other natural disaster that threatens your safety such that official evacuation orders are issued or that the pre-booked accommodation is rendered uninhabitable, or
4. civil unrest, rebellion or war directly affecting the area where you are.

Alternative travel & accommodation arrangements - to get you to your trip destination if the transport arrangements that you originally booked are cancelled or will be delayed by more than 24 hours beyond the departure time shown in your itinerary because of;

1. a serious fire, storm or flood damage to the departure point.
2. industrial action or strike.
3. bad weather.
4. mechanical breakdown of the international train or sea vessel.
5. grounding of the aircraft due to a mechanical or structural defect.
6. withdrawal of public transport services or closure of any airport, sea port or railway station from which you are booked to travel on the instructions of a competent national or local authority, or
7. the financial failure of the transport provider

4. Emergency Medical Expenses

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for the necessary costs incurred as a result of you sustaining accidental bodily injury, unexpected illness or death during your trip in respect of;

1. emergency medical, surgical and hospital treatment and transportation
2. additional travel and accommodation expenses (on a bed & breakfast basis) to enable you to return home if you are unable to travel as originally planned.
3. additional travel and accommodation expenses (on a bed & breakfast basis) for;
   1. a travelling companion to stay with you and accompany you home, or
   2. a relative or friend to travel from your home country to stay with you and accompany you home.
4. returning your remains to your home or local funeral directors, or of a funeral in the country where you die, up to the equivalent cost of returning your remains to your home country.
5. with the prior agreement of our nominated emergency service, your necessary additional travel expenses to return home following the death, injury or illness of a travelling companion insured by us or of your (or your travelling companion’s) relative or business colleague in your home country.

5. Emergency Dental Treatment

We will pay to reimburse you up to the sum insured shown in the Benefits and Excesses Table applicable to your chosen Level of Cover shown in your certificate, for the costs of emergency dental treatment to natural teeth, provided that it is for the immediate relief of sudden and unexpected pain only, to enable you to continue your Trip.

6. Hospital Stay Benefit

You are covered for your chosen level of cover for the amount shown in the Benefits Schedule for each 12 hours spent receiving in-patient hospital treatment whilst outside of your home country that is covered under Section 4 - Emergency Medical Expenses.

7. Replacement Prescribed Medication

If your prescribed medication is lost or delayed by a travel carrier during your outbound travel for more than 24 hours or is damaged or stolen while on your trip, we will reimburse you, up to the maximum benefit for ‘Replacement Prescribed Medication’ as shown in the ‘Cover Section’, for the cost of obtaining enough necessary prescribed medication to enable you to continue treatment as prescribed by your doctor until the end of your trip. This includes the additional costs incurred in arranging and transporting.

8. Mobility & Disability Equipment

If your mobility & disability equipment is lost or damaged by a travel carrier or is stolen while you are on your trip, we will pay you, the lowest of the following, up to the maximum benefit for Mobility & Disability Equipment Cover as shown in the 'Cover Section':

1. the cost to repair the damaged mobility & disability equipment; or
2. the cost to replace the lost, damaged or stolen mobility & disability equipment with the same or similar item, reduced by 10% for each full year of use since the original purchase date, up to the maximum of 50% reduction.

Mobility & Disability Equipment Rental Cover

Mobility & Disability Equipment Rental Cover If your mobility & disability equipment is lost or delayed by a travel carrier during your outbound travel for more than 24 hours or is damaged or stolen while on your trip, we will reimburse the necessary costs for renting replacement mobility & disability equipment to use during your trip, up to the maximum benefit for Mobility & Disability Equipment Rental Cover as shown in the 'Cover Section'. This cover does not include motorised equipment or vehicles.

9. Personal Baggage

You are covered for your chosen level of cover up to the amounts shown in the Benefits Schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to;

1. your baggage,
2. your valuables

You are also covered for your chosen level of cover up to the amount shown in the Benefits Schedule in respect of emergency purchases for the cost of buying necessary items (for example clothing, medication and toiletries) if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination.

10. Personal Money

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for loss or theft of personal money.

11. Loss of Passport & Travel Documents

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule following loss or theft of your passport for any additional necessary travel and accommodation costs, including the cost of necessary travel documents including emergency passports, visas or permits incurred to enable you to continue your trip or return to your home country.

12. Legal Expenses

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for legal expenses incurred in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness (unless this was related to a pandemic and/or epidemic, which is excluded under General Exclusions 30) during your trip.

Conditions:

1. Written consent must be obtained from us prior to incurring legal expenses
2. all claims or legal proceedings including any appeal against judgement resulting from the same original cause, event, or circumstance, will be regarded as one claim.
3. if you are successful in any action, any legal expenses provided by us will be reimbursed to us.
4. we may at our discretion assume control at any time of any claim or legal proceedings in your name for damages and or compensation from a third party.
5. we may at our discretion offer to settle a claim with you instead of initiating or continuing any claim or legal proceedings for damages and or compensation from a third party, and any such settlement will be full and final in respect to the claim.
6. we may at our discretion offer to settle a counterclaim against you instead of continuing any claim or legal proceedings for damages and or compensation from a third party.
7. where an award of damages is the only legal remedy to a dispute and the cost of pursuing legal action is likely to be more than any award of damages, the most that we will pay in legal expenses is the value of the likely award.

13. Personal Liability

You are covered for you chosen level of to the amount shown in the Benefits Schedule (inclusive of legal costs and expenses), incurred with our written consent, if you are held legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause if you are held legally liable for causing;

1. accidental bodily injury, including death, illness (unless this was related to a pandemic and/or epidemic, which is excluded under General Exclusions 30), and disease to a person, and/or
2. accidental loss of or damage to material property (property that is both material and tangible).

14. Personal Accident

You are covered for your chosen level of cover for the amount shown in the Benefits Schedule if you have an accident whilst you are on your trip which is the sole and independent cause of your death, permanent total disablement, loss of sight or loss of limb(s) within 12 months of the accident.

15. Mugging and Hijack

Mugging - You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for each complete 24 hour period and in total if you are hospitalised during your trip because of bodily injuries sustained during a mugging or similar violent and unprovoked attack.

Hijack - You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for each complete 24 hour period and in total if you are prevented from reaching your trip destination as a result of the aircraft or sea vessel in which you are travelling being hijacked.

16. Extended Kennel and Cattery Fees

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for each complete 24 hour period and in total for extra kennel and/or cattery costs for your dog or cat if you are delayed in returning from your trip because of your or your travelling companion’s death, bodily injury or illness or there is a delay to the public transport that cannot be avoided.

17. Holiday Financial Protection

You are covered for your chosen level of cover up to the amount shown in the Benefits Schedule for;

1. irrecoverable sums paid in advance in the event of insolvency of an end supplier associated with your trip prior to departure, or
2. in the event of insolvency of the end supplier after departure;
3. any losses that are not directly associated with the incident that caused you to claim are limited to £/€1,500. For example, loss due to being unable to reach your pre-booked hotel, villa, car hire or cruise following the financial failure of an airline

Policy Option Sections of Cover:

18. Winter Sports Optional Cover

The following section only applies if you have paid the appropriate additional premium as shown on your certificate.

Ski equipment and other expenses - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule, after making reasonable allowance for wear, tear and depreciation and subject to the special condition shown below for;

1. loss or theft of, or damage to ski equipment owned or borrowed by you.
2. loss or theft of, or damage to ski equipment hired by you.
3. the cost of necessary hire of ski equipment following;
1. loss or theft of, or damage to, your ski equipment insured by us, or
2. the delayed arrival of your ski equipment, subject to you being deprived of their use for not less than 12 hours.

Ski Pack - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for the proportionate value of any ski pass, ski hire or ski school fee that you are unable to use or recover following;

1. accidental bodily injury or sickness that prevents you from skiing, as medically certified, or
2. loss or theft of your ski pass

Piste Closure - You are covered for your chosen level of cover for the daily amount shown in the Policy Options Benefits Schedule for each day that it is not possible to ski because all lifts are closed due to a complete lack of snow, adverse conditions or avalanche danger in your pre-booked trip resort, up to the total amount shown either;

1. for the costs you have paid for travel to an alternative resort including the necessary additional cost of a ski pass, or
2. a compensation payment to you after you return where no alternative is available.

19. Enhanced Travel or Terrorism Disruption

The following section only applies if you have paid the appropriate additional premium as shown on your certificate.

Extended cancellation or curtailment - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for your part of the unused travel and accommodation costs (including unused pre booked excursions and course fees) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance;

1. you were not able to travel and use your pre-booked accommodation, or
2. the trip was cancelled or curtailed before completion; as a result of:
1. the FCDO, the WHO or regulatory authority in a country to/from which you are travelling issuing a directive prohibiting all travel or all but essential travel to, or recommending evacuation from, the country or specific area or event to which you are travelling, providing the directive came into force after you purchased this insurance or booked the trip.
2. an act of terrorism affecting any point of arrival or departure shown in your pre-booked itinerary or occurring within 40 miles of the booked accommodation, within the 31 days prior to departure or during your trip.

Extended travel day & Abandonment - You are covered for your chosen level of cover for either;

1. Travel delay - up to the amounts (a), (b) and (c) shown in the Policy Options Benefits Schedule if the public transport on which you are booked to travel is cancelled or delayed, leading to your departure being delayed for more than 12 hours at the departure point of any connection, or
2. Abandonment or additional expenses - up to the amount shown in the Policy Options Benefits Schedule in respect of;
   1. irrecoverable unused travel and accommodation costs (including unused pre-booked excursions and course fees) and other pre-paid charges which you have paid or are contracted to pay because you choose to abandon your trip as a result of;
      1. the public transport on which you are booked to travel from your home country being cancelled or delayed for more than 12 hours
      2. you being denied boarding and no other suitable alternative flight can be provided within 12 hours
      3. an act of terrorism affecting any point of arrival or departure shown in your pre-booked itinerary or occurring within 40 miles of the booked accommodation, within the 31 days prior to departure.
   2. suitable additional travel and accommodation expenses (on a bed & breakfast basis) necessarily incurred in reaching your overseas destination and/or in returning to your home country, as a result of;
      1. the public transport on which you are booked to travel being cancelled, delayed for more than 12 hours, diverted or redirected after take off, or
      2. you being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight can be provided within 12 hours and you choose to make other travel arrangements, or
      3. an act of terrorism affecting any point of arrival or departure shown in your pre-booked itinerary or occurring within 40 miles of the booked accommodation, within the 31 days prior to departure or during your trip.

Accommodation Costs - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for either;

1. any irrecoverable unused accommodation costs (including unused prebooked excursions and course fees) and other pre-paid charges which you have paid or are contracted to pay because you were not able to travel and use your booked accommodation, or
2. additional travel and accommodation costs necessarily incurred;

1. 1. up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation, or
   2. with the prior authorisation of our nominated 24 hour emergency service, to repatriate you to your home country if it becomes necessary to curtail the trip; as a result of fire, flood, earthquake, explosion, tsunami, landslide, avalanche, volcanic eruption, hurricane, storm or an outbreak of food poisoning affecting your accommodation or resort, or
   3. an act of terrorism affecting any point of arrival or departure shown in your pre-booked itinerary or occurring within 40 miles of the booked accommodation within the 31 days prior to departure or during your trip.

Gadget Insurance

The following option only applies during your trip and on trips of up to 120 days duration and if you have paid the appropriate additional premium as shown on your certificate.

You are covered up to the amount shown in the Policy Options Benefits Schedule in respect of gadgets owned by you against theft, loss, accidental damage and malicious damage, liquid damage and unauthorised calls, texts or data use, while you are on a trip that is covered by your travel insurance policy. Cover is provided per policy and applies to all persons listed on the certificate. The limit applies per policy not per insured person.

Accidental damage and malicious damage - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for the costs of repairing your gadget as a result of accidental damage or malicious damage, which was not deliberately caused by you or bound to happen. If we are unable to economically repair your gadget then, at our discretion, a replacement item will be provided by us.

Theft or loss - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule to replace your gadget with a replacement item if it is stolen or lost. Where only part or parts of your gadget have been stolen or lost, we will only replace that part or parts.

Liquid Damage - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefit Schedule to repair or provide a replacement item for your gadget if it is damaged as a result of accidentally coming into contact with any liquid.

Unauthorised calls, texts or data use - Where your gadget is a device where you are charged for unauthorised calls, texts or data use and it is lost or stolen. You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefit Schedule for the cost of any calls, texts or data used after the time it was lost or stolen to the time it was blacklisted by your airtime provider. This is subject to you providing an itemised bill. The maximum we will pay for any one occurrence is £/€100.

Repairs and replacement conditions - All repaired or replaced gadgets provided by us will be supplied and configured to UK specification and set-up in English language. Where we are able to provide a replacement, this is not on a ‘new for old’ basis. Cover is limited to one replacement per period of insurance per item, up to the amount specified in your Policy Options Benefits Schedule. If your gadget cannot be replaced with an identical gadget of the same age and condition, we will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original gadget subject to the following depreciation scale:

Age of gadget	Description amount
Over one year old and less than two years old	20%
Over two years old and less than three years old	30%
Over three years old and less than four years old	40%
Over four years old and less than five years old	60%
Over five years old and less than six years old	80%

Cruise Insurance

The following option only applies if you have paid the appropriate additional premium as shown on your certificate.

Rejoin your cruise cover - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only) that is agreed by us to reach;

1. the next docking port in order to re-join the cruise, or
2. to the final destination of your cruise, following your temporary illness or bodily injury requiring hospital treatment on dry land which is covered under Section 4 – Emergency Medical Expenses.

If, at the time of requesting our assistance to rejoin your cruise, satisfactory medical or other evidence required by us, is not supplied in order to substantiate the claim, we will make all necessary arrangements at your cost and arrange appropriate reimbursement as soon as the claim has been validated

Missed port departure - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only) that is agreed by us to join your cruise ship journey at the next docking port if you fail to arrive at the international departure point in time to board the ship on which you are booked to travel on the initial international journey of your trip as a result of;

1. the failure of scheduled public transport, or
2. an accident to or breakdown of the motor vehicle in which you are travelling, or
3. an accident or breakdown occurring ahead of you on a motorway or dual carriageway which causes an unexpected delay to the motor vehicle in which you are travelling, or
4. strike or industrial action or adverse weather conditions.

If, at the time of requesting our assistance in a Missed Port Departure claim, satisfactory evidence required by us, is not supplied in order to substantiate the claim, we will make all necessary arrangements at your cost and arrange appropriate reimbursement as soon as the claim has been validated.

Cabin/Stateroom confinement - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for each 24 hour period that you are confined by the ships medical officer, to your cabin or stateroom due to your compulsory quarantine, or for medical reasons during the period of the trip.

Itinerary Change - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for each missed port in the event your scheduled port visit is cancelled due to adverse weather or timetable restrictions. You must get written confirmation from your cruise operator, carrier or tour operator confirming your scheduled port visit was cancelled and the reason for the cancellation.

Unused excursions - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for the cost of pre booked, pre-paid and nonrefundable excursions, which you were unable to use as a direct result of being a hospital in-patient or being confined to your cabin, due to an accident or illness which is covered under Section 4 – Emergency Medical Expenses of the policy.

Cruise interruption - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only), that is agreed by us and necessarily incurred by you;

1. to reach the next docking port in order to re-join the cruise, or
2. to reach the final destination of your cruise; following your your cruise being necessarily and unavoidably interrupted as a result of;

1. 1. your passport being lost after your international departure but before embarkation of your planned cruise or during disembarkation ashore on one of the scheduled stops as a result of loss or theft, or
   2. it being deemed medically necessary by a medical practitioner for you to accompany and assist an insured person who is admitted as an in-patient that is covered under Section 4 – Emergency Medical Expenses of the policy, or
   3. you being detained by local police as a result of being a witness or being required to give evidence as a result of your participation in a road traffic accident, or criminal investigation where you are not the accused.

If, at the time of requesting our assistance in the event of a cruise interruption claim, satisfactory medical or other evidence required by us is not supplied in order to substantiate the claim, we will make all necessary arrangements at your cost and arrange appropriate reimbursement as soon as the claim has been validated.

Golf Insurance

The following option only applies if you have paid the appropriate additional premium as shown on your certificate.

Golf equipment - you are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule, for accidental loss, theft of or damage to golf equipment which you own. Within this amount the following sub-limits apply;

1. the maximum we will pay you for any one club or one piece of golf equipment is shown in the Policy Options Benefits Schedule. If you cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, will be limited to a maximum of £/€50. Evidence of replacement value is not sufficient.
2. the maximum we will pay in total for all items lost, damaged or stolen in any one incident is limited to £/€250 if you cannot provide satisfactory proof of ownership and value.

Please Note: our liability is solely based upon the value of the golf equipment which has been lost, stolen or damaged and would not extend to the replacement of your whole set of woods, or irons in the event of a claim being made for one item.

Golf Equipment Hire - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefit Schedule for the necessary cost of hiring replacement golf equipment as a result of the accidental loss, theft or damage of your golf equipment during the period of insurance, or if your golf equipment is certified by the carrier to have been lost or misplaced on the outward journey of a trip for a period more than 24 hours, then We will pay you up to the amount shown in the policy options benefits schedule to hire replacement golf equipment.

Green Fees - You are covered for your chosen level of cover up to the amount shown in the Policy Options Benefits Schedule for the proportionate value of any pre-paid green fees, golf equipment hire fees or tuition hire fees which are confirmed as non-refundable and not used due to;

1. you being involved in an accident or your sickness or injury, as certified by a medical practitioner, which prevents you participating in the prepaid golfing activity
2. loss or theft of documentation which prevents you participating in the pre-paid golfing activity, or adverse weather conditions which causes the closure of the golf course, confirmed in writing by the golf club.

23. Extended Carer Cover Option>

Only available on Single Trip Policies. The following option only applies if You have paid the appropriate additional premium as shown on your certificate.

Please note: We are aware that the person You are caring for may have one or more pre-existing medical conditions (this may also apply to a Stand-in carer). We do not need their pre-existing medical condition(s) to be declared to Us. However, please note any claim under this Extended Carer Cover Option is subject to the doctor of the Cared for person confirming to Us that at the time the insurance was taken out, or at the time You booked Your Trip, he/she would not have foreseen such an imminent serious deterioration in their patient’s condition and that would make it necessary for You to cancel or cut short Your Trip. If You are in any doubt, You must check with their doctor before purchasing Your policy and booking or before departing on Your Trip.

Extended Cancellation and Curtailment / Loss of holiday - This option extends coverage under Section 1 – Cancellation or Curtailment/Loss of Holiday up to the amount shown in the Benefits Schedule applicable to Your chosen Level of cover shown on Your Policy certificate to provide additional cover for You if:

1. You are a Carer who is travelling on a Trip that is covered under this policy and has bought this option but the person You usually care for back in Your Home country suddenly and unexpectedly dies or falls seriously ill (unless this was related to a Pandemic and/or Epidemic, including but not limited to Coronavirus, which is excluded under General Exclusions 30 and 31) or is seriously injured, which results in You being necessarily and unavoidably being unable to travel or You needing to come Home early from Your Trip, or;
2. if You have arranged and nominated a Stand-in carer for the Cared for person You usually care for in Your Home country while You are on Your Trip and the Stand-in carer is unable to fulfil their obligations to attend to the person You usually care for due to;

1. 1. the Stand-In carer’s injury, sudden and unexpected Illness or death, or the injury, sudden Illness or death of a close Relative of theirs (unless this was related to a Pandemic and/or Epidemic, including but not limited to Coronavirus which is excluded under General Exclusions 30 and 31), or is required for jury service or as a witness in a court of law, and;
   2. You cannot find anyone to act as an emergency replacement Stand-In Carer, which results in You being necessarily and unavoidably unable to travel or You needing to come Home early from Your Trip.

Name change administration charges - Cover is extended up to the amount shown in the Benedits Schedule applicable to Your chose Level of cover show on our Policy certificate to include Your costs of related name or ticket administration changes, if You are able to change the names or dates on Your original booking so as to prevent You having to cancel the Trip.

Transport of replacement carer charges - Cover is extended up to the amount shown in the Benefits Schedule applicable to Your chosen Level of cover shown on Your Policy certificate to provide economy transport costs of an emergency replacement Stand-in carer to travel to and attend to the Cared for person You usually care for, so as to prevent You having to cancel Your Trip or You needing to come Home early.