1. Am I covered if I am pregnant?
Yes, provided you are not travelling against doctor's advice. No cover is given under Sections 1, 2, 3, 4 and 5 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
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2. What is a policy Excess?
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used a EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver premium.
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3. What is a Pre-existing Medical Condition?
1. Any part of current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip This policy will not cover any claims under Section 1 (Medical Emergency & Repatriation) or Section 5 (Cancellation & Curtailment) arising directly or indirectly from a Pre-existing Medical Condition.
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4. How do I make a claim?
To Claim, phone Our Claims Helpline on 0870 737 6224 and ask for a claim form or email claimsgeneral@europ-assistance.co.uk

All claims must be submitted on a claim form, within 28 days of Your return, accompanied by original invoices, receipts, reports, etc. Please refer to the relevant Section of Your policy for specific conditions and details of the supporting evidence that Europ Assistance require. Please remember that it is always advisable to retain copies of all documents when submitting Your claim.
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5. How many children can I insure on a Family policy?
Any number of dependant children (including foster children) under the age of 18. (In full-time education and residing with you).
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6.What are the Terms and Conditions?
It is important that you read the policy carefully and agree to all the Terms and Conditions to make sure that the cover provided is suitable for you.
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7. What are my cancellation rights?
You have 14 days from receiving the policy wording to read it and see that it gives you the cover you require. During this time you can return the policy for a refund if you are dissatisfied with the cover. The refund will only be given provided you have not already made a claim, that there is not an impending claim and that you have not already started your holiday or journey. If the request to cancel is received outside of the 14 days cooling off period, then refer this to Insurefor.com with the reasons for cancellation.
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8. What do Winter Sports cover?
Provided you have paid the Winter Sports extension, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the schedule of benefits. Activities covered are:
Big foot skiing
Cat skiing
Cross country skiing
Glacier skiing
Ice Hockey
Mono skiing
Off-piste skiing or snow-boarding (within local ski patrol guidelines)
Skiing
Sledging / Tobogganing
Snow-blading
Snow-boarding
Tobogganing / Sledging

The following Winter Sports are not covered under any circumstances:
Heli-skiing / Heli-Boarding
Luging / Bobsleigh
Ski acrobatics
Ski jumping
Ski racing

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9. What do I do if I need medical assistance when travelling?
Please notify Europ Assistance immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (You should first check that the circumstances are covered by Your policy). Please contact Europ Assistance on the number shown below, giving Your name and Certificate number, please also provide a telephone, fax or telex number where Europ Assistance can contact You or leave messages at any time of the day or night.
To comply with the terms and conditions of the insurance You MUST contact Europ Assistance as soon as possible. You MUST obtain Europ Assistance's authorisation before incurring any expenses over £500. If you have treatment as an outpatient you must get a medical certificate showing the nature of the injury/illness and keep any original bills, which you have paid. You can submit a claim for these expenses on your return to the UK (please refer to Q4 "How do I make a claim?").

For assistance outside U.K. dial: 0044 (0) 870 737 6222 or 0044 (0) 1444 442719

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10. Can we travel independently on our Couple/Family travel insurance policy?
Each adult and all children can travel independently; however, children must be accompanied to and from the airport by and adult over the age of 18.
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11. How often can I travel on an Annual Multi Trip policy?
The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 31 days (45, 62 or 92 days if the appropriate additional premium is paid). If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. Winter Sports cover, for a maximum of 17 days in total for the whole year (24 or 31 Days if the appropriate additional premium is paid) and Business Cover, for a maximum of 30 days in total for the whole year, are available at an additional premium. Please contact Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm).
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12. What is the difference between Economy, Standard and Premier cover?
Premier cover offers wider coverage & higher sums insured than Economy or Standard with lower Excesses.
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13. How is my policy delivered?
Your policy can be emailed directly to your email address shortly after being issued, please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. Alternatively for a small postage charge, your documents can be delivered by post.
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14. Do you offer cover for over 65s?
No Section of this policy shall apply in respect of any person who has reached the age of 80 years at the commencement of the Period of Insurance for Single Trip or Annual Muli-trip policies and in respect of any person who has reached the age of 46 years at the commencement of the period of insurance for Backpackers policies. If you are outside this age range please contact Insurefor.com 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm).
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15. Do you cover non-UK residents?
You need to live in the UK (Great Britain, Northern Ireland, the Isle of Man and the Channel Islands) and have not spent more than 6 months abroad in the year prior to purchasing the policy. If you are outside this limit then please contact Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm).
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16. Can I go scuba diving when travelling?
Scuba diving to a depth of 30 metres if you hold a certificate of proficiency or are diving with a qualified instructor. The policy can be upgraded to include scuba diving to a depth of 50 meters for an additional premium.
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17. Can children purchase cover if they are under the age of 18?
Yes, but they must pay the adult premium for their cover, they will also need signed consent from their parents. The policy can only be issued by calling Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm).
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18. What products do you offer?
Single Trip policies
Annual Multi Trip policies with maximum trip duration of 31 days
Annual Multi Trip policies with maximum trip duration of 45 days
Annual Multi Trip policies with maximum trip duration of 62 days
Annual Multi Trip policies with maximum trip duration of 92 days
Backpackers Policies
For Individuals, Couples and Families (including Single Parent Family)
Including optional covers for Winter Sports, Golf and Business Travel
Economy, Standard and Premier levels of cover
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19. What credit/debit cards do you accept?
We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron and Delta. We are currently not able to accept American Express.
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20. Can I pay by cheque?
We are only able to accept cheques for policies over the value of £100. The policy will be set up when the cheque has been cleared through our bank. Please contact Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm).
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21. What happens if my bag is stolen with all my travel documents and money whilst I am travelling?
You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them Europ Assistance cannot make any payment to you. If you leave luggage and personal items unattended in a public place then Europ Assistance cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.top

22. Are my glasses covered?
Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is �150. top

23. When do I need to purchase my travel insurance?
At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip.
If your travel arrangements change then you must call Insurefor.com immediately on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm). You must be able to provide the correct Period of Insurance on your documentation in the event of a claim. top

24. What do I need to take on holiday with me?
Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling. top

25. Are my golf clubs covered?
Yes, up to 1,500 in total with a Single Club or Item of Golf Equipment limit of 500, provided you have paid the additional premium for the Golf Cover extension. top

26. Am I covered for cancellation?
If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.
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27. What is an Excess Waiver?
If your policy includes the Excess Waiver, you will not need to pay the excess on any claim. You can add the Excess Waiver on to your policy through the payment of the appropriate additional premium. Please contact Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm). top

28. What is an EHIC (formally E111)?
If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland. We would advise you to obtain a Form CM1 from your local main Post Office. On returning this, duly completed, to the main Post Office you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.
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29. What vaccinations do I need?
You should check with your doctor as soon as possible, your doctor will be best advised to tell you what vaccinations are required, if any.
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30. Can I change my policy?
We can change your policy within 14 days of purchase, after this you will only be able to make administration changes such as departure / return dates, extend the policy to cover Special Sports & Activities or upgrade the benefit levels within the policy. Please contact Insurefor.com on 0844 482 0662 (Mon-Fri 8.30am to 6 pm, Sat 9am to 1pm). top

31. Which Special Sports and Activities are covered at no additional premium?
Abseiling (within organisers guidelines)
Angling
Archery
Athletics
Badminton
Ballooning'hot air (organised pleasure rides only)
Banana boating
Baseball
Basket Ball
Boardsailing
Bowling
Bungee Jumping (within organisers guidelines)
Canoeing (up to grade 2 rivers only)
Climbing (on a climbing wall only)
Cricket
Curling
Cycling
Deep sea fishing
Fell walking
Fishing
Glacier walking
Gliding (no cover for crewing or piloting)
Golf
Gymnastics
Handball
Heptathlon
Hiking /trekking /walking (below 4000 meters)
Hill walking up to 2000 meters
Horse riding (Excl competitions/racing/jumping/hunting)
Hot air ballooning-(organised pleasure rides only)
Ice skating
Indoor climbing (on climbing wall )
Kayaking ( up to grade 2 rivers only)
Kite surfing
Marathon running
Motor cycling ( up to 125cc)
Mountain biking
Netball
Non competitive football
Organised safari without guns
Orienteering
Overland trips
Parascending over water
Pony trekking
Racket ball
Rackets
Rambling
Rap jumping (within organiser's guidelines)
Ringos
Roller skating/ blading (wearing pads & helmets)
Rounders
Rowing ( except racing)
Running
Safari trekking in a vehicle (must be an organised tour)
Safari trekking on foot (must be an organised tour)
Sail-bording
Scuba diving to a depth of 30 metres (within organisers guidelines)
Sea kayaking
Skate boarding (wearing pads and helmets)
Sledging - pulled by horse or reindeer as a passenger
Snorkelling
Soft ball
Squash
Surfing
Table tennis
Ten pin bowling
Tennis
Tubing
Tug of war
Volley ball
Wakeboarding
Walking/ hiking / trekking
Water Polo
Water skiing
White water rafting ( within organiser's guidelines)
Windsurfing
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32. Which Special Sports and Activities are covered at no additional premium but where there is no cover in respect of any Personal Accident and Personal Liability sections?
Camel riding
Catamaran sailing (if qualified)
Clay pigeon shooting
Dinghy Sailing
Go Karting (within organiser's guidelines)
Jet boating (no racing)
Jet Skiing (no racing)
Paint Balling (wearing eye protection)
Rifle range shooting
Sailing/ yachting offshore (recreational, no racing)
Shooting (within organiser's guidelines)
Skidoing
Small bore target shooting (within organiser's guidelines)
War games (wearing eye protection)
Yatching (if qualified)
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33. Which Special Sports & Activities are covered with an additional premium?
American football
Climbing up to 4000 meters
Dry slope skiing
Endurance tests
Fives
Football - American
High altitude trekking
Hiking / trekking / walking (above 4000 meters)
Hockey
Lacrosse
Langlauf
Organised safari with guns
Outdoor endurance events
Parascending - over land
Rugby
Sand dune surfing / skiing
Scuba diving between 30m - 50m (within organiser's guidelines)
Speed skating
Street Hockey (wearing pads and helmets)
Summer tobogganing
Trampolining
Trekking high altitude
White water canoeing (up to grade 4 only) top

34. Which Special Sports & Activities are covered with an additional premium, but where there is no cover in respect of any Personal Accident and Personal Liability sections?
Fencing (within organiser's guidelines)
Gaelic football
Hurling
Polo
Sailing / yachting inshore (recreational crewing, no racing)
Sailing / yachting offshore (recreational, no racing)
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35. Which Special Sports and Activities are not covered under any circumstances?
Adventure racing
Base Jumping
Biathlon
Big game hunting
Black water rafting
BMX riding �stunt / obstacle
Bouldering
Boxing
Canyoning
Cave tubing
Caving and Pot holing
Climbing over 4000 metres
Cycle Racing
Cyclo cross
Drag racing
Flying (except passengers in licensed passenger aircraft)
Free Mountaineering
Hang gliding
Harness racing
High diving (over 5 metres)
Hunting (Fox / drag)
Jousting
Judo
Karate
Kendo
Manual work
Martial Arts
Micro Lighting
Modern pentathlon
Motor Cycle racing
Motor racing
Motor rallying
Mountaineering (over 4000 metres)
Parachuting
Paragliding / parapenting
Parapenting / paragliding
Pot Holing / Caving
Powerboat racing
Power Lifting
Professional Sports of any kind
Quad Biking
River bugging
Rock Climbing
Rock Climbing using ropes and guides
Rodeo
Roller hockey
Shark diving (in cage)
Skydiving
Speed trail / time trail
Time trail / speed trail
Triathlon
Water ski jumping
Weight lifting
Wrestling
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36. What does "No cover will apply in respect of Personal Accident and Personal Liability"
in Q32 & Q34 mean? Personal Accident - No cover will apply, if You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or disablement
Personal Liability - No cover will apply, if in the course of a Trip You become liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property top

37. Will this policy cover me if my Trip has been Dynamically Packaged?
Yes, cover is provided irrespective of how your Trip / holiday has been packaged together. top