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Travel insurance while abroad

Last post Thu, Apr 22 2010, 5:34 PM by buecima. 4 replies.
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  •  Thu, Apr 22 2010, 5:34 PM

    Re: Travel insurance while abroad

    Hi

    can close the tread because at he end they give up :) I was right , the just tried to get more money.

    Bye antonio.

    • Post Points: 5
  •  Tue, Apr 20 2010, 7:45 AM

    Re: Travel insurance while abroad

    Hi Huckster , Conmankiller tanks for your replay's

    I tink 'll go for worldwideinsure.com tey are even ceaper :)

    But because first I am stubborn and second I like to turn the law against them as much they will against me I wanna go till the end and write them if I was right.

    So this is my point

    Because in the definition tey say

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

    AND

    Cover is only available to: 1. British Citizens for a trip outside the United Kingdom

    2. Persons resident in the United Kingdom at the time the policy is purchased for a trip outside the United Kingdom. You must have a permanetc etc..

    I think i could apply because i am resident in London since tree years and holding an italian passport i have no restiction to enter uk and cannot read elsewhere any limitation.

    Tanks again Antonio.

    • Post Points: 5
  •  Mon, Apr 19 2010, 6:02 PM

    Re: Travel insurance while abroad

    You have to select Italy and pay the higher premium. If you select UK, you will not be covered.

    Because you have an Italian passport, to take up the UK policy offering, you had to do this, while you were still in the UK. Once you had left the UK, they would go by your passport e.g. Italian.

    Try worldwideinsure.com. They offer a policy for EU citizens who are already abroad.

    • Post Points: 50
  •  Mon, Apr 19 2010, 6:01 PM

    Re: Travel insurance while abroad

    buecima - I wenth trough the policy word but cannot find what they say (the policy for UK residents is only available to those with UK passports,etc..)

    It's at the top of your policy summary.!

    POLICY SUMMARY 

    Cover is only available to: 1. British Citizens for a trip outside the United Kingdom or 2. Persons resident in the United Kingdom at the time the policy is purchased for a trip outside the United Kingdom. You must have a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom.

    • Post Points: 35
  •  Mon, Apr 19 2010, 5:41 PM

    Travel insurance while abroad

    Hi I'll try to be brief. I am an Italian Gui living in London since tree years with stable address in London.

    I am in holiday in India since one month and will to stay 4 more months.

    I did have a travel insurance that expired 2 days ago.

    I am trying to obtain a new travel insurance from abroad , and the only company that allowed to subscribe a new policy from abroad is w..w..w.worldnomads.com

    For peace of mind I did write the help line asking information,

    This was the replay.

    --Hi Antonio --Thanks for your email and sicnere apologies for the delayed response. --The person you spoke to at Customer service is correct. As you are in India already, it is not possible to purchase a policy as a UK resident as when already travelling, the policy for UK residents is only available to those with UK passports. Had you purchased the policy prior to departure from the UK then you could have selected the UK as you do not need to be a UK --passport holder if purchasing while in UK prior to departure, you only have to have a permanent residential address and --unrestricted right of entry into the UK. --So really, at this point if you do require cover and would like to be covered by World Nomads, you would need to select --Italy as your country of residency to have a valid policy. --You can purchase a policy with WorldNomads even though you have left your home country (Italy)and are travelling --already. --If you purchase a policy after you have left your country of permanent residence, there is a waiting period of 3 days --before the insurance takes effect. However, in the event of serious injury in connection with an accident, your policy will --cover you immediately eg from the start date. --Please be aware though that our policy does not cover expenses incurred within your country of permanent residence. --No-one likes small print but you should have a read through the Policy Wording to ensure that the insurance fully meets --your requirements. It gives you details of what is and is not covered and any conditions that apply.

    I wenth trough the policy word but cannot find what they say (the policy for UK residents is only available to those with UK passports,etc..) but i found that i cand do the police if I put I chose italy as my country of residence, whit the only difference that the police will cost more than the double (181 pound VS 510 pounds)

    Below is the a copy of the policy this is the link w..w..w.worldnomads.com/policy_wording.aspx?pid=cdb7e93069d643068fcb5f44879967bc

    I hope someone can help me , explaining if they are rigth or I am.

    Sorry for my english , hope that this is enough clear .

    Best regards Antonio

    POLICY SUMMARY

    Thank you for taking out your World Nomads Travel Insurance with us. This policy wording, your Certificate of Insurance and any endorsements form a contract of insurance between you (the insured named on the Certificate of Insurance) and us, (Millstream Underwriting Ltd on behalf of Arch Insurance Company (Europe) Ltd) and explains the definitions, conditions, exclusions and limits of cover we provide. This contract is only valid when you have a valid Certificate of Insurance and have paid the appropriate premium. It is very important that you carefully read the terms, conditions and exclusions of this insurance to ensure that you are properly covered for your planned trip. Please check the details of your Certificate of Insurance and contact Customer Services by email at infoGBR@worldnomads.com or telephone +44 (0)845 838 4718 if they are incorrect. Who is Covered The persons insured as named on the Certificate of Insurance. Cover is only available to: 1. British Citizens for a trip outside the United Kingdom or 2. Persons resident in the United Kingdom at the time the policy is purchased for a trip outside the United Kingdom. You must have a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom. Cover will not be issued once you have reached 60 years of age. What Is Covered You are covered for: 1. holidays and leisure trips and trips that include non-manual work. 2. trips that include manual work as detailed in Section 8 if you have paid the appropriate additional premium 3. the dates shown on your Certificate of Insurance up to a maximum of 545 days. 4. trips within the Geographical Region as shown on your Certificate of Insurance. You will not be covered if you choose to travel to a country or specific area or event against the advice issued by the Foreign & Commonwealth Office. Telephone: +44 (0) 845 850 2829 Website: www.fco.gov.uk 5. participating in sports and activities as detailed in Section 7 if you have paid the appropriate additional premium. You are not covered for hazardous activities, other than as specified in Section 7, unless we agree in writing to include them. 6. reasonable activities you partake in on an unplanned and incidental basis provided that you are: 1. supervised by a qualified instructor / licensed operator 2. hold the appropriate qualification or licence, or 3. have subscribed to an accredited organisation for the activity and that you act in a reasonable way with due regard to your personal safety and use all recommended equipment and protective clothing that is necessary. LIMITS OF COVER, EXTENSIONS AND EXCESSES The limits of cover under each section are shown on the Summary of Cover, single cover applies to each insured person and for family cover are aggregate limits and apply for the whole family. Your Certificate of Insurance shows the sections of the policy you have chosen, the people who are covered and any special terms or conditions that may apply. You may extend the period of insurance subject to payment of the appropriate additional premium, however, any illness or injury which has come into existence, or has shown symptoms, or has been diagnosed in the previous insurance period(s) shall not be covered in the extended insurance period. A policy may be purchased and / or extended up to a maximum of 545 days. This policy has an excess as shown on the Summary of Cover which will be deducted in the event of a claim under certain sections. The excess is applicable per person, per policy section, per insured incident. Please note that items of value may be more appropriately covered under a household All Risks Section where the full replacement value may be insured. WHEN COVER STARTS AND ENDS Cancellation cover starts from the date you have purchased this insurance policy and ends when you leave your home to commence the trip. All other sections are covered from the start date of the policy shown on your Certificate of Insurance or when you leave your home to commence the trip, whichever is the later. These sections apply for the period of insurance and cover ceases on the expiry date shown on your Certificate of Insurance or the date you return to your home whichever is the earlier. If cover is taken out after you have left home to commence your trip, there is a waiting period of 3 days before the insurance takes effect. In the event of serious injury in connection with an accident, you will be covered from the date cover commenced subject to the accident being witnessed and verified by an independent third party. If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to recommence your trip, you can do so under the same policy. You are not covered for any incidents or treatment while in the United Kingdom. If your return home is unavoidably delayed for an insured reason, cover will be extended free of charge for up to 30 days maximum. Cancellation Rights If your cover does not meet your requirements, please notify us within 14 days of receiving your policy for a refund of your premium. If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs for those services that you have used. Please note that your cancellation rights are no longer valid after this initial 14 day period. Working Abroad The insurance covers non manual work abroad and can be extended to cover manual work if the appropriate additional premium has been paid. You are not covered under the Personal Liability section when you are working. Disclosing Relevant Facts It is your duty to inform us of any fact, which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim. It is very important that this insurance provides adequate cover for your trip. To ensure that it does, and for your peace of mind, you must tell us as soon as possible about anything, which could give rise to a claim, particularly where your own health is concerned or the health of any person on whom the trip depends, whether or not they are travelling with you. Medical Conditions This insurance contains restrictions regarding pre-existing medical conditions in respect of the people travelling and of other people upon whose health the trip depends. You are advised to read the pre-existing medical conditions definitions. We do not cover pre-existing medical conditions. You can still take out a World Nomads policy with a pre-existing medical condition, but we won't cover any claim made as a result of this condition. Change in Health If, between the date the policy is issued and the start date of your trip, you or anyone upon whose good health your trip depends receives medical advice or treatment for a serious illness or injury (which is not a pre-existing medical condition) your policy will cover you for cancellation of your trip. However, if you still wish to travel you must contact us and we will advise you if you will be covered for claims relating to this condition Definitions Whenever the following words appear in bold in this policy they will always have these meanings: Word Definition British Citizen A UK Passport Holder which describes the holder as a British citizen or citizen of the United Kingdom and Colonies, who has a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom. Close business associate Any person resident in the United Kingdom whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business. Curtail/Curtailment Return home before the scheduled return date. Europe Europe Mainland including Republic of Ireland, The Azores, Madeira, The Canary Islands, Morocco, Tunisia, Israel, Mediterranean Islands, Turkey and territories formally known as USSR, west of the Ural Mountains. Europe Mainland Europe Mainland is defined as Albania, Andorra, Austria, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Lapland, Liechtenstein, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland. Expert Witness A person who testifies in a court of law because they have specialist knowledge in a particular field or area of expertise, entitling that person to testify about their opinion on the meaning of facts. Family You and your travel partner named in the Certificate of Insurance and your financially dependent children/grandchildren under 21 in full time education, at the date of departure, travelling with you, all normally resident with you listed as covered on your Certificate of Insurance. Hazardous activities Participating in any sport or activity which could pose an increased risk or danger to you, and may require you to take additional precautions to avoid injury or claim. (A list of sports and activities which can be covered by this policy are shown in Section 7) Home Your usual place of residence in the United Kingdom as shown on your Certificate of Insurance. Immediate relative Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister resident in the United Kingdom Manual Work General work not involving the use of mechanical or industrial machinery at a height not exceeding 2 metres. We do not cover working offshore, ski, snowboard or diving instructors or guides, trekking guides where ropes or other specialist climbing equipment is required, work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears, or work involving hazardous activities. Medical Practitioner A registered practising member of the medical profession who is not travelling with you, who is not related to you or to any person with whom you are travelling or intending to stay with. Money Cash, any legal currency, travellers’ cheques, cheques, postal and money orders and passport held by you for social domestic and/or pleasure purposes. Non manual work Any professional, clerical or administrative work or working as a classroom teacher, classroom assistant, au pair, nanny or childminder. Personal baggage Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip. (Not including any specialised items, medical or otherwise, unless specified in your Certificate of Insurance). Pre-existing medical condition Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy. This applies to you, your travelling companion, an immediate relative or someone upon whom your trip depends. 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. Safe Haven A protected body of water used by marine craft for refuge from storms or heavy seas. Scuba Diving Conventional scuba diving only. We do not cover solo diving, cave diving, any dive which takes you below your current qualification limits, or any dive below 40 metres (or 50 metres if the appropriate additional premium has been paid) under any circumstances. You are limited to your current qualification limit, unless accompanied by a qualified Instructor, taking part in a recognised course requirement of your chosen Diving Association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club), SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activites Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times. The Caribbean Antigua and Barbuda, The Bahamas, Barbados, Cuba, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Anguilla, Aruba, British Virgin Islands, Cayman Islands, Guadeloupe, Martinique, Montserrat, Navassa Island, Netherland Antilles, Puerto Rico, Turks and Caicos Islands, Virgin Islands. Unattended When you are not in full view of and not in a position to prevent unauthorised interference with your property. United Kingdom England, Scotland, Wales, Northern Ireland, the Isle of Man and The Channel Islands. Valuables Watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, video equipment, camcorders and audio equipment including personal stereos, DVD, mini-disc players, i-Pods and MP3 players. We / us / our Millstream Underwriting Ltd on behalf of Arch Insurance Company (Europe) Ltd Winter Sports Conventional skiing / snowboarding only. We do not cover any competition, free-style skiing, ski jumping, ski-flying, ski acrobatics / aerials, ski stunting, parapenting, ice hockey, use of bobsleighs or skeletons or repetitive travel in ski run helicopters. Off-piste skiing / snowboarding is only covered if you are under the care and direction of a locally qualified guide or instructor. Work Any work, including work placements, incidental work and work experience, paid or unpaid. Worldwide (excluding USA, Canada, The Caribbean & Japan) Worldwide excluding United Sates of America, Canada, The Caribbean, and Japan Worldwide (including USA, Canada, The Caribbean & Japan) Worldwide You / your Each insured person as shown on your Certificate of Insurance. Section 1 Cancellation Covered You are covered up to the limits as shown on the Summary of Cover for loss of travel, accommodation expenses and tuition/course fees, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance: 1. injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours; 2. you being called for jury service, attending court as a witness (but not as an expert witness), or redundancy (for you or for any person with whom you had arranged to travel); 3. your home or place of business being made uninhabitable, within 14 days of travel, or the police asking to see you after theft from your home which occurred within 14 days of travel. Not Covered 1. the policy excess shown on the Summary of Cover (£20 in respect of loss of deposit only claims) of any incident. This applies to each person making a claim; 2. medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary; 3. additional costs as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists; 4. any costs recoverable from another source; 5. anything caused directly or indirectly by prohibitive regulations by the Government of any country; 6. any pre-existing medical condition; 7. any costs incurred on behalf of other party members who are not specified on the Certificate of Insurance; 8. anything mentioned in the General Exclusions. Section 2 Curtailment This section includes the services of the Emergency Medical Assistance service who must be contacted immediately in the event of a serious injury, illness or hospitalisation, or where repatriation has to be considered. The 24 hour Emergency Medical Assistance telephone number is: +44 (0)845 643 2628 Covered You are covered up to the limits as shown on the Summary of Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your return to your home, which have not been used and which were paid before your departure from your home. You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to accidental injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours. If you want to return home during your trip for any reason that does not give rise to a claim under this policy, and you then wish to recommence your trip, you can do so under the same policy. You are not covered for any incidents or treatment while in the United Kingdom. Conditions 1. you must contact the Emergency Medical Assistance service for assistance/advice if you need to cut short your trip for an insured reason. 2. 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. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return. 3. if you require the Assistance service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of our cover. 4. if you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover. 5. This policy does not provide compensation for loss of holiday/enjoyment. Not Covered 1. the policy excess shown on the Summary of Cover. This applies to each person making a claim; 2. claims that are not confirmed as medically necessary by the Emergency Medical Assistance service, and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it necessary to Curtail the trip; 3. additional travelling expenses incurred which are not authorised by the Emergency Medical Assistance service; 4. unused prepaid travel tickets where repatriation has been arranged by the Emergency Medical Assistance service; 5. any pre-existing medical condition; 6. anything mentioned in the General Exclusions. NOTE: It is a requirement of this insurance that you contact the Emergency Medical Assistance service immediately if you wish to return home for any of the reasons listed above or by any method other than as originally planned. Failure to do so may affect your claim. Section 3 Emergency Medical Expenses (Not Private Health Insurance) NOTE: This is not a private health insurance policy. It only covers you if there is a sudden and unexpected accident or if you become ill during a trip. If you are admitted to hospital as an in-patient or require on-going outpatient treatment overseas, the Emergency Medical Assistance service must be notified immediately. If cover is confirmed, they will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary. You must maintain contact with the Emergency Medical Assistance service until your return home or until you no longer require treatment or assistance. If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed £500 you must refer to the Emergency Medical Assistance service for authorisation. If you receive out-patient treatment (no hospital admission) in Spain, Greece, Cyprus, Portugal or Turkey, show this document to the doctor and your treatment will be paid through ChargeCare International in line with the policy wording. The doctor will ask you to fill in a form to confirm treatment and may request you to pay the excess. If you receive out-patient treatment (no hospital admission) in other countries, it may be easier to pay any bills yourself. Keep all receipts and submit a claim when you return home. If you are in any doubt, call the Emergency Medical Assistance service for help. 24 hour Emergency Medical Assistance telephone number: +44 (0)845 643 2628 Covered You are covered up to the limit as shown on the Summary of Cover for costs incurred outside the United Kingdom for: 1. emergency medical and surgical treatment and hospital charges (including necessary physiotherapy, authorised by the Emergency Medical Assistance service); Outpatient physiotherapy treatment will be limited to the amount shown on the Summary of Cover 2. emergency dental treatment, to relieve pain only, limited to amount shown on the Summary of Cover; 3. reasonable and necessary additional accommodation (room only) and travelling expenses to the United Kingdom (Economy Class), including those of one relative or friend if you have to be accompanied to the United Kingdom on the advice of the attending medical practitioner or if you are a child and require an escort to the United Kingdom; 4. in the event of death, reasonable cost for the conveyance of the body or ashes to the United Kingdom (the cost of burial or cremation is not included), or local funeral expenses abroad limited to £5,000. NOTE: If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare. Apply by 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.medicareaustralia.gov.au. Not Covered 1. the policy excess shown on the Summary of Cover. This applies to each person making a claim; 2. any sums which can be recovered from another source or which are covered under any National Insurance scheme or reciprocal health arrangement; 3. any expenses or fees, for in-patient treatment or returning home early, which have not been reported to and authorised by the Emergency Medical Assistance service; 4. costs of more than £500 which have not been agreed upon and authorised by the Emergency Medical Assistance service beforehand; 5. any expenses incurred for illness, injury or treatment required as a consequence of: 1. Surgery or medical treatment which in the opinion of the attending medical practitioner and the Emergency Medical Assistance service can be reasonably delayed until your return home; 2. Medication and or treatment which at the time of departure or date of purchase of your policy, whichever is the later, is known to be required or to be continued during your trip; 3. Undertaking an activity against the advice of a medical practitioner; 4. any pre-existing medical condition; 6. the cost of 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 injury, which necessitated your admittance to hospital; 7. claims that are not confirmed as medically necessary by the attending medical practitioner or the Emergency Medical Assistance service; 8. any additional hospital costs arising from single or private room accommodation unless medically necessary; 9. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre; 10. any costs incurred within the United Kingdom or after you have returned home. 11. further costs you incur if we wish to bring you back to the United Kingdom early but you refuse (where in the opinion of the treating medical practitioner and the Emergency Assistance Service you are fit to travel); 12. anything mentioned in the General Exclusions. Section 4 Loss of Passport/Travel Documents Covered You are covered up to the limit as shown on the Summary of Cover for reasonable additional travel or accommodation expenses you have to pay whilst abroad, over and above any payment which you would normally have made during the trip if no loss had been incurred, as a result of you needing to replace a lost or stolen passport/travel documents. You are covered for the equivalent value of the remaining period of your passport if it is lost or stolen on your trip. Condition You must provide receipts for all costs incurred. Not Covered 1. the policy excess shown on the Summary of Cover of any incident. This applies to each insured person involved in the incident causing the claim; 2. any costs that you would have incurred had you not lost your passport or travel documents; 3. if you do not exercise reasonable care for the safety or supervision of your passport/travel documents; 4. your passport / travel documents left unattended at any time (including in a vehicle or in the custody of carriers) unless they are with you or locked in a safe or safety deposit box; 5. if you do not obtain a written police report within 24 hours of the loss; 6. loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities; 7. anything mentioned in the General Exclusions. Section 5 Baggage & Personal Belongings Covered 1. Personal Baggage You are covered up to the limit on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you ), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: 1. the single item limit as shown on your Summary of Cover for any one item, pair or set of items unless items are specifically shown on your Certificate of Insurance 2. the valuables limit as shown on your Summary of Cover for all valuables in total unless items are specifically shown on your Certificate of Insurance 2. Delayed Baggage You are covered up to the limit on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim. Conditions 1. any amount we pay you under a Delayed Baggage will be deducted from the final claim settlement if your baggage is permanently lost. 2. you must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the baggage. Failure to do so may result in your claim being declined. 3. in the event of a claim for damaged items, proof of the damage must be supplied. 4. 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. 5. if the repair cost is more than the value of an item, we will assess the claim as if the item has been lost. Not Covered 1. the policy excess shown on the Summary of Cover. This applies to each person making a claim; of any incident. 2. if you do not exercise reasonable care for the safety and supervision of your personal baggage; 3. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim; 4. in the event of a claim for damaged items, proof of the damage must be supplied. The damaged articles must be retained by you and if requested, submitted to the claims handlers so as to substantiate a claim. Failure to do so may result in a claim being turned down. 5. if your personal baggage is lost, damaged or delayed in transit and you do not: 1. notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carrier’s report (or Property Irregularity Report in the case of an airline); or 2. follow up in writing within 7 days to obtain a written carrier’s report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately. 6. loss, destruction, damage or theft of the following property: 1. contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses; 2. antiques, precious stones that are not set in jewellery, glass or china, pictures, musical instruments; 3. electrical equipment including mobile telephones, computers and/or accessories, and portable televisions unless items are specifically shown on your Certificate of Insurance ; 4. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs); 5. tools of trade; 6. perishable items such as food; 7. valuables and items specifically shown on your Certificate of Insurance left unattended at any time (including in a vehicle or in the custody of carriers) unless they are with you or locked in a safe or safety deposit box; 8. money. 7. loss, destruction, damage or theft: 1. due to confiscation or detention by customs or other officials or authorities; 2. due to wear and tear, denting or scratching, moth or vermin; 3. transportation by any postal or freight service, or if sent under an air-way bill or bill of lading. 8. mechanical breakdown or derangement, for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessels, aircraft or vehicle in which they are being carried. 9. personal baggage stolen from: 1. an unattended vehicle unless it was in the locked glove compartment or rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle and there is evidence of forcible and violent entry; 2. an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am. 10. any shortage due to error, omission or depreciation in value; 11. any property more specifically insured or recoverable under any other source; 12. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind; 13. sports or activity equipment whilst in use; 14. anything mentioned in the General Exclusions. Section 6 Personal Liability NOTE: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance. Covered You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of: 1. accidental bodily injury to a person who is not a member of your family or household or employed by you or a travelling companion; 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 or employee; 3. loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or employee. NOTE: We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party. Not Covered 1. the policy excess shown on the Summary of Cover of any incident. This applies to each person making a claim; 2. fines imposed by a Court of Law or other relevant bodies; 3. anything caused directly or indirectly by: 1. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement; 2. injury, loss or damage arising from: 1. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses) or firearms or any weapons 2. the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings 3. the carrying out of any work, trade or profession 4. racing of any kind 5. any deliberate act 6. suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addition, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone’s life); 7. anxiety, depression or any psychotic mental illness; 3. Liability covered under any other insurance. 4. anything mentioned in the General Exclusions. Section 7 Sports & Activities Covered You are covered when participating in sports and activities listed under Level 1. You are covered when participating in sports and activities listed under Levels 2, 3 & 4 if you have paid the appropriate additional premium and it is shown on your Certificate of Insurance NOTE: If Level 2 is selected you are also covered whilst participating in Sports and Activities listed under Level 1. If Level 3 is selected you are also covered whilst participating in Sports and Activities listed under Levels 1 & 2. If Level 4 is selected you are also covered whilst participating in Sports and Activities listed under Levels 1, 2 & 3. Level 1: Sports & Activities Level 2: Sports & Activities Level 3: Sports & Activities Level 4: Sports & Activities covered as standard covered at an additional premium, includes all Level 1 activities covered at an additional premium, includes all Level 1 & 2 activities covered at an additional premium, includes all Level 1, 2 and 3 activities A Aerial Safari (a) Abseiling (a) Angling Archery (a,b) American Football (b) Alpine ski touring (d) B Badminton Ballooning Baseball Biking / Cycling (incidental to the trip) (b) Black Water Rafting (Grades 1-5) (a) Bowling Bungee Jumping (a) Bouldering Bobsleigh (b) C Camel/Elephant riding/trekking (a,b) Canoeing (inland/coastal, inc White Water (Grades 1 – 3) (a) Clay Pigeon Shooting (incidental to the trip) (a,b) Cycling (incidental to the trip) (b) or Cycling on an organised tour (excluding Intercontinental touring) (b) Cycle Touring (excluding Intercontinental touring) (b) D E Deep Sea Fishing (a) Equestrian activities (no racing or competition) (b) Dirt boarding (b) F Fell Running/Walking (without ropes, picks or other specialist climbing equipment) Fencing Football (including 5 a side) Flying/Piloting a light aircraft (private only, no commercial flying) (a,b) G Go-Karting (a,b) Golf Gymnastics (a) Gliding (a,b) H Hiking (without ropes, picks or other specialist climbing equipment) up to 3000m Hockey Horse Riding (b) Hot-Air Ballooning (a,b) Hiking on recognised routes (without ropes, picks or other specialist climbing equipment) up to 6000m Hang gliding (a,b) I Ice Skating (in-door only) Ice climbing (d,e) Ice Hockey (b) J Jet Boating / Jet Skiing (inland/coastal waters, White Water Grades 1-2) (a,b) K L Kayaking (inland/coastal waters, White Water Grades 1-3) (a) Kite Surfing Kitewing (b) Land surfing (b) M N Martial Arts (non-contact) (a) Motor Biking on a vehicle under 125cc (excluding touring or where a motorbike is the main mode of transport (helmet to be worn and the rider must have the appropriate valid UK licence for the machine)) (b) Mountain Biking (on tracks and trails & incidental to the trip) (b) Netball Non-manual work Martial Arts Training (a) Motor Biking (excluding touring or where a motorbike is the main mode of transport (helmet to be worn and the rider must have the appropriate valid UK licence for the machine)) (b) Mountain Biking (off track/downhill) (b) Manual Work (excluding the NOT COVERED list of jobs in Section 8) Mountaineering with ropes, picks or specialist climbing equipment (e) O Orienteering (a) Outward Bound (a) Off piste skiing or snowboarding including snow-cat skiing and Heli--skiing/boarding (d) P Q Paint balling (a,b) Parachuting (one jump only) (a,b) Parasailing (a,b) Parascending (over water only) (a,b) Passenger private light aircraft / helicopter Quad Biking (a,b) Paragliding (a,b) Parachuting / Sky Diving (a,b) Parapenting (a,b) Parascending (a,b) R Rambling Roller Skating/Blading (no stunting) Rowing / Sculling(inland/coastal waters, no White Water) Rifle range shooting(a,b) Rock Climbing (excluding solo climbing/ climbing without ropes) Rugby (b) S Safari Tours (a) Sailing (coastal waters only) (a,b) Sea Canoeing (coastal waters only) Snorkelling Speed Boating (inland/coastal waters only, no White Water) (a,b) Squash Surfing Swimming Sailing (outside coastal waters, within 60 miles of a safe haven) (a,b) Scuba Diving to 40 metres (a,f) Scuba Diving to 50 metres (a,f) T Table Tennis Ten Pin Bowling Tennis Trekking (without ropes, picks or other specialist climbing equipment) up to 3000m Trekking on recognised routes (without ropes, picks or other specialist climbing equipment) up to 6000m U V Volleyball Via Ferrata W X Y Z Wakeboarding War Games (a,b) Water Skiing (no jumps) (a,b) White Water Rafting (grades 1-5) (a) Wind Surfing (b) Yachting (coastal waters only) (a,b) Yachting (outside coastal waters within 60 miles of a safe haven) (a,b) Zorbing (b) Winter Sports © The following conditions and exclusions apply to individual sports and activities where highlighted in the sport and activities list above: 1. provided you are supervised by a qualified instructor/licensed operator or hold the appropriate membership, certification and/or licence from an accredited organisation for the activity; 2. Personal Liability cover is excluded 3. conventional skiing / snowboarding only. Cover excludes any competition, free-style skiing, ski jumping, ski-flying, ski acrobatics, ski stunting, parapenting, ice hockey, use of bobsleighs or skeletons, travel in ski run helicopters. Off-piste skiing is only covered if you are under the care and direction of a locally qualified guide or instructor; 4. it is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you do not venture into back country areas without taking local advice and appropriate rescue equipment; 5. excludes free mountaineering, climbing in remote or inaccessible regions, exploratory expeditions and new routes, high altitude climbing over 6,000 metres; 6. conventional scuba diving only. We do not cover any unaccompanied dive, any dive in over head environments, or any dive for gain or reward. You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times. Not Covered 1. professional risks, competing at international events as a national representative, Base Jumping, Cliff Diving, Martial Arts Competitions, Potholing and Caving, Motor Sports, Mountaineering Expeditions, Expeditions to the Arctic or Antarctic, Sailing/Yachting more than 60 miles from a safe haven, ski jumping, free-style skiing, ski-flying, ski acrobatics / aerials, ski stunting, ski racing or national squad training, Stunt Flying / Aerobatics 2. anything listed as not covered under Section 8 - Working Abroad 3. anything listed in the General Exclusions. Condition You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary If you are undertaking a sport or activity which is not listed or if you are in any doubt if cover will apply please contact us. Section 8 Working Abroad Covered You are covered whilst partaking in non manual work abroad as standard and manual work if you have paid the appropriate additional premium under Level 2, Level 3 or Level 4 of Section 7 and it is shown on your Certificate of Insurance. Not Covered 1. work with mechanical or industrial machinery; 2. work at a height above 2 metres 3. work offshore 4. work as a ski, snowboard or diving instructor or guide; 5. work as a trekking guide where ropes or other specialist climbing equipment is required; 6. work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears; 7. work involving hazardous activities 8. anything listed in the General Exclusions . General Conditions 1. all claims must be submitted within 90 days of the incident which gave rise to the claim 2. it is a condition of this insurance that all material facts have been disclosed to us. Failure to do so may invalidate this insurance, leaving you with no right to make a claim. A material fact is one, which is likely to influence us in the acceptance or assessment of your application. If you are in any doubt about whether a fact is material, you should disclose it. 3. you are covered for reasonable activities you partake in on an unplanned or incidental basis provided that you are supervised by a qualified instructor or have subscribed to an accredited organisation for the activity, and that you act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary. 4. 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. 5. you must take all reasonable steps to recover any lost or stolen article. 6. original receipts and/or proof of ownership and value must be supplied in the event of a claim. 7. if we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense. 8. in the event of a claim, if we require a medical examination you must agree to this. In the event of death, we are entitled to a post mortem examination. The post mortem would be at our expense. 9. if any claim is found to be fraudulent in any way, this insurance will not apply and all claims will be forfeited. 10. you must not make any payment, admit liability, offer or promise to make any payment without written consent from us. 11. we are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party. 12. if at the time of making a claim there is any other insurance covering the same risk, we are entitled to contact that insurer for a contribution. 13. damaged articles must be retained by you and if requested submitted to the Claims Handlers so as to substantiate a claim. Failure to do so may result in a claim being turned down. General Exclusions You are not covered for anything caused directly or indirectly by the following, unless you have contacted us and we have confirmed in writing that you will be covered: 1. if you choose to travel to a specific area against the advice issued by the Foreign & Commonwealth Office: Telephone : 0845 850 2829 Website : www.fco.gov.uk 2. a set of circumstances which you knew about at the time the trip was booked unless you could not reasonably have expected such circumstances to result in a claim; 3. you being 60 years of age or over at the inception of your policy; 4. any trip that is undertaken 1. for the purpose of obtaining medical treatment (whatever the nature of this treatment); 2. against the advice of a medically qualified doctor 3. after being given a terminal prognosis 5. any criminal act by you; 6. failure to comply with the laws applicable to the country in which you are travelling; 7. suicide, deliberate self-injury being under the influence of drink or drugs (unless prescribed by a medical practitioner), alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone’s life). 8. stress, anxiety, depression or any other emotional or psychiatric disorder or condition; 9. pregnancy 12 weeks before and 12 weeks after the estimated date of delivery. 10. any claim arising from sexually transmitted diseases. 11. any injury, illness, death, loss, expenses or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness and/or any mutant derivatives or variations thereof however caused. 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. bankruptcy/liquidation of a tour operator, travel agent or transportation company. 14. any other costs that are caused by the event which led to a claim, unless specifically stated in the policy; 15. loss or damage to any property and expense or legal liability, directly or indirectly caused by or contributed to or arising from: 1. ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel. 2. the radioactive toxic explosive or other dangerous properties of nuclear machinery or any part of it. 3. pressure waves from aircraft and other flying objects travelling faster than the speed of sound. 16. any payment, which you would normally have made during your travels, if no claim had arisen;. 17. any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be 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; 18. air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft) unless the appropriate additional premium has been paid; 19. planned hazardous activities unless we have agreed in writing and issued you with an endorsement; 20. Motorbike touring or where a motorbike is the main mode of transport 21. your hazardous occupation of any kind. 22. professional or organised sports, racing, speed or endurance tests, dangerous pursuits. 23. mountaineering or rock climbing, ordinarily necessitating the use of picks ropes or specialist climbing equipment, unless the appropriate additional premium has been paid. 24. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven; 25. competing at major international events as a national representative or any of the following activities: Base Jumping, Cliff Diving, Martial Arts Competitions, Potholing and Caving, Motor Sports, Mountaineering Expeditions, Expeditions to the Arctic or Antarctic, ski jumping, free-style skiing, ski-flying, ski acrobatics / aerials, ski stunting, ski racing or national squad training, Stunt Flying / Aerobatics. Complaints Procedure We aim to provide a first class level of service at all times. If, for any reason, you feel that our service is not of the standard you would expect, please tell us. You should address any enquiries or complaints, in writing to: The Managing Director Millstream Underwriting Limited PO Box 18381, London, EC3M 7AU (quoting the policy number on your Certificate of Insurance) If you are still dissatisfied, at this stage you may contact: The Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall London, E14 9SR Please note that the Financial Ombudsman Service will not consider your complaint until you have received a final decision from Millstream Underwriting Limited. Claims Procedures First, check this wording to make sure your claim is valid: Medical Claims - If serious injury is incurred in which you are admitted to hospital, call our Emergency Medical Assistance service on +44 (0)845 643 2628 as soon as possible. You will be given advice on what to do and the assistance you require. All original receipts for medical consultations / treatment / medication etc should be retained and submitted to support your claim. Contact the Claims Service for a claim form by email on info@csal.co.uk or by phone on +44 (0)845 643 2629. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). Cancellation Claims - The travel agent, tour operator, provider of transport or accommodation must be contacted immediately and you must obtain a cancellation invoice. The original tickets and booking forms/receipts will also be required to support your claim. Contact the Claims Service for a claim form by email on info@csal.co.uk or by phone on +44 (0)845 643 2629. They will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the cancellation). Curtailment Claims - Call the Emergency Medical Assistance service on +44 (0)845 643 2628. Their authorisation must be obtained before you cut short your trip. All original ticket stubs/booking forms/receipts should be retained and submitted to support your claim. Contact the Claims Service for a claim form on +44 (0)845 643 2629 when you return home. They will advise you of any additional supporting documentation required (this will be dependent upon the reason for the curtailment). Personal Liability - Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit liability at any time. The Claims Service must be notified immediately by email on info@csal.co.uk or by phone on +44 (0)845 643 2629. Personal Baggage – Delayed – A written report from the carrier (eg airline, shipping company etc) is required detailing the length and cause of the delay. Retain all the receipts which relate to any emergency replacement items you have purchased. Contact the Claims Service for a claim form by email on info@csal.co.uk or by phone on +44 (0)845 643 2629. Personal Baggage - Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the loss/theft. If the loss occurs during travel, you must obtain a property irregularity report from the carrier. Contact the Claims Service for a claim form by email on info@csal.co.uk or by phone on +44 (0)845 643 2629. Out-Patient and Minor In-Patient Treatment If you need out-patient medical treatment (no hospital admission) or minor in-patient treatment (less than 3 days hospitalisation) please provide a copy of your Certificate of Insurance to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment. This service is available in the following selected countries: Out-Patient treatment: SPAIN, GREECE, CYPRUS, TURKEY and PORTUGAL Minor In-Patient treatment: SPAIN, GREECE and CYPRUS Data Protection Information about your policy may be shared between World Nomads Limited, Millstream Underwriting Limited and Arch Insurance Company (Europe) Limited for underwriting purposes. Please note that sensitive health and other information you provide may be used by us, our representatives and other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure that your information is held securely. Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records. Governing Law Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. We, the insurer and you do not intend any term of this contract to be enforceable pursuant to the Contract (Rights of Third Parties) Act 1999. DETAILS ABOUT OUR REGULATOR WorldNomads.com travel insurance is underwritten by Millstream Underwriting Limited on behalf of Arch Insurance Company (Europe) Ltd. Millstream Underwriting Limited (FSA Firm Ref: 308584) and Arch Insurance Company (Europe) Limited (FSA Firm Ref: 229887) are both authorised and regulated by the Financial Services Authority (FSA). Their registration can be checked with the FSA by visiting www.fsa.gov.uk/register or by contacting them on 0845 606 1234. Millstream Underwriting Limited will act as agents for Arch Insurance Company (Europe) Ltd with respect to the receipt of customer money and for the purpose of settling claims and handling premium refunds. Millstream Underwriting Limited, Registered in England No. 3896220, Registered Office: 40 Lime Street, London EC3M 7AY. FINANCIAL SERVICES COMPENSATION SCHEME In the event that the insurer, Arch Insurance Company (Europe) Ltd is unable to pay a claim you may be entitled to compensation from the Financial Services Compensation Scheme. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website atuk

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