Q) Can I buy a travel insurance policy, if I do not live in the UK?
A) No. This policy is only available to residents of the United Kingdom who are registered with a
Medical Practitioner. To be a resident of a country, your main home must be in that country and you must not have been abroad
for more than six months in the last year.
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Q) Are there any age limits on the policy?
A)
Yes, this depends on the type of product purchased:
Single Trip – 79 years at the time of purchase of the policy
Annual Multi Trip – 74 years at the time of purchase of the policy
Backpacker / Longstay – 39 years at the time of purchase of the policy
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Q) Are there any restrictions on the length of a trip that I can insure?
A)
Yes these are determined by your age, the product you choose and where you are travelling:
Single Trip Policies:
Gold & Silver Single trip policies:
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122 days – If you are aged up to an including 73 years at the time of purchasing your insurance or
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38 days – If you are aged 74-79 years at the time of purchasing your insurance.
Platinum Single trip policies:
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270 days – If you are aged up to an including 73 years at the time of purchasing your insurance or
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38 days – If you are aged 74-79 years at the time of purchasing your insurance.
Annual Multi trip policies
Europe:
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Up to and including 74 years at the time of purchasing the insurance – 45 days per trip
Worldwide:
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Aged up to and including age 69 at the time of purchasing the insurance – 45 days per trip.
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Aged 70-74 at the time of purchasing the insurance – 31 days per trip.
Backpacker / Long stay policies:
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Maximum Trip Duration is 365 days
Winter Sports Single Trip policies:
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270 days – If you are aged up to an including 73 years at the time of purchasing your insurance or
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38 days – If you are aged 74-79 years at the time of purchasing your insurance.
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Q) What are the Area definitions?
A)
United Kingdom
England, Scotland, Wales, Northern Ireland, Isle of Man and the Channel Islands.
Europe
The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and Non-European countries bordering the Mediterranean (except Algeria, Lebanon, Libya and Israel).
Australia & New Zealand
If the insured travels on a non-direct flight to Australia or New Zealand, the Insurer will automatically provide worldwide cover for up to 48 hours for any stopovers made during the booked flight to or from Australia or New Zealand.
Worldwide
All Countries including the USA & Canada
Q) I am under 18 can I buy a policy on my own?
A) No. A child can only be insured when they are accompanied by an adult who is also insured with us.
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Q) What is the Family Definition under this policy?
A)This varies for a single trip and annual multi trip policies please see relevant product listed below:
Single Trip Policy: Two adults aged 54 or under at the time of purchasing this policy and up to four of their dependent children, aged under 18 at the time of purchasing this policy, who are in full time education.
Annual Multi Trip Policy: Two adults aged 74 or under at the time of purchasing this policy and up to four of their dependent children, aged under 18 at the time of purchasing this policy, who are in full time education.
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Q) Does the policy include cover for all pre-existing medical conditions?
A) No.
The policy excludes coverage in respect of certain conditions. Please read please existing Medical conditions below to see if your condition is cover or excluded. Please note it may be possible to cover the condition by contacting the Medical Pre-Screening Company.
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Q) What is a Pre-Existing Medical Condition?
A) If you are aware that you or your, travelling companion has:
a. Suffered from, received any form of medical advice, treatment or medication at any time for:
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Any heart or circulatory related condition including hypertension, angina, stroke; or
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Any lung or breathing related condition other than inhaler controlled, mild asthma, suffered in isolation; or
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Any cancerous condition; or
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Any kidney related disorder;
Or
b. Been admitted as an inpatient in hospital in the last 24 months for any medical condition other than those listed under "Accepted Medical Conditions" listed below, then you must contact the medical pre-screening company, in order to arrange cover for that condition.
Medical Pre-Screening Company
Telephone: 0845 250 5369 Monday to Saturday 9.30am to 5.30pm
Quote reference: WHIIL/COVER4TRAVEL/06/2011
Failure to advise the medical pre-screening company of a pre-existing medical condition will result in claims for those undisclosed conditions not being paid.
Please also note that there is no cover available for any pre-existing medical condition if you, or the person you are travelling with:
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Are awaiting the results of medical tests or investigations
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Are travelling against the advice of a medical practitioner
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Are travelling for the purpose of obtaining medical treatment
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Are on a hospital waiting list
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Are receiving ongoing dialysis treatment
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Have been given a terminal prognosis
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Have a psychological condition (including anxiety, stress, depression, psychiatric or eating disorders, phobias)
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Q) What is an accepted medical Condition?
A) A list of "Accepted Medical Conditions" appears below.
Please note: You do not need to contact medical pre-screening company if the ONLY medical condition (s) you or your travelling companion have appeared in the "Accepted Medical Conditions" list.
Accepted Medical Conditions:
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Achilles tendon injury
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Acne
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Allergy – not requiring prescriptive treatment
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Anal fissure/fistula
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ADHD (Attention Deficit Hyperactivity Disorder)
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Benign prostatic enlargement
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Blindness
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Broken bone (not head or spine)
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Carpal tunnel syndrome
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Cataracts
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Chicken pox
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Colitis (no hospital treatment in the last 12 months)
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Common cold/influenza
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Corneal graft
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Cosmetic Surgery (no gastric banding)
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Cuts and abrasions (non self inflicted)
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Cyst-breast
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Cyst-testicular
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Cystitis
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Deafness
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Diarrhoea and/or vomiting
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Dislocated hip (not hip replacement)
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Dyspepsia
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Eczema
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Epididymitis
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Fungal nail infection
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Essential tremor
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Gastric reflux
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Glandular fever (provided that there have been no symptoms in the 3 months prior to inception of the policy)
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Glaucoma
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Gout
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Hemorrhoids
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Hay fever
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Hernia (not hiatus)
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Hip replacement
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HRT (hormone replacement therapy)
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Hyperthyroidism (overactive thyroid)
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Hypothyroidism (underactive thyroid)
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Hysterectomy
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IBS (Irritable Bowel Syndrome)
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Impetigo
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Macular degeneration
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Menorrhagia
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Migraine (confirmed diagnosis, no ongoing investigations)
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Myalgic Encephalomyelitis (if only symptom is fatigue)
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Nasal polyps
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Neuralgia, Neuritis
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Nut allergy
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Osteochondritis
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Pelvic inflammatory disease
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PMT (pre-menstrual tension)
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Pregnancy (no complications)
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Psoriasis
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Reflux oesophagitis
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Retinal detachment
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Rheumatism
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Rhinitis
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RSI (repetitive strain injury)
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Shingles
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Shoulder injury
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Sinusitis
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Sleep Apnoea
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Tendon injury
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Uticaria
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Varicose veins-legs only (if GP has confirmed that the client is fit to travel)
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Tinnitus
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Tonsillitis
Please note: You do not need to contact medical pre-screening company if the ONLY medical condition (s) you or your travelling companion have appeared in the list above. If your medical condition does not appear in list above then you must contact the medical pre-screening company, in order to arrange cover for that condition.
Medical Pre-Screening Company
Telephone: 0845 250 5369 Monday to Saturday 9.30am to 5.30pm
Quote reference: WHIIL/COVER4TRAVEL/06/2011
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Q) What sports and activities am I covered for?
A) You are automatically covered when you are participating in any of the Hazardous sports & activities listed in Grade 1 please see table below:
Grade 1 Hazardous Sports & Activities: The following activities are included within the cover as standard,
as long as they are amateur activities, conducted under adequate supervision and on an incidental basis.
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Q) Can I extend the Hazardous sports and activities I wish to participate in?
A) Yes. You are automatically covered when you are participating in any of the Hazardous sports & activities listed in Grade 1 above.
If you wish to include cover for any other hazardous sports or activities listed below in Grades 2-4. You will need to advise us at the time of buying the policy or before you commence your trip.
Please check the list and select the highest grade applicable.
Each higher category includes the sports / activities of the lower one(s).
EG: Grade 3 includes all sports in Grade 1 and 2
Grade 2 Hazardous Sports & Activities
Grade 3 Hazardous Sports & Activities
Grade 4 Hazardous Sports & Activities
Please note that the Insurer will:
not cover any child aged under 10, who is not supervised by an adult when participating in a hazardous sport or leisure activity; or
not cover any person aged 66 or over, who is participating in a hazardous sport or leisure activity; or
not provide any cover if you receive any financial reward or gain as a result of participating in a hazardous sport or leisure activity; or
not pay any personal liability claim, which arises directly or indirectly, as a result of you participating in a grade 2,3 or 4 hazardous sport or leisure activity.
reduce the Personal Accident benefits shown in the Schedule of Benefits by 50%, in respect of any claim which arises directly as a result of you participating in a grade 2,3 or 4 hazardous sport or leisure activity.
amend the excess shown in the Schedule of Benefits for Section B – Emergency Medical Expenses and Repatriation in respect of any claim which arises directly or indirectly as a result of you participating in a grade 2,3 or 4 hazardous sport or leisure activity to £250 (Grade 2) / £400 (Grade 3 or 4).
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Q) BUYING ONLINE, ARE MY DETAILS SAFE?
A)
Yes. The security of your personal and financial details is of paramount importance to us, and as such we use the strongest available security systems to protect your communications with us.
HOW WE PROTECT YOUR DATA
Whenever you fill in an online form, such as a request for a quote, it is automatically protected using something called a Secure Socket Layer (SSL) between your computer and ours. SSL works in the following ways:
SSL PREVENTS IMPERSONATION
You can tell that you are using a genuine SSL site by the padlock symbol at the bottom of the screen. Clicking on the padlock will reveal our Registration Certificate that is issued by Digi Sign Limited, a leading Internet security company.
SSL ENCTYPTS DATA
As soon as your computer has recognised our computer they encrypt all information that is passed between them. Data encryption means that no one else can read or change your information as it travels over the Internet.
SSL PREVENTS SCRAMBLING
SSL uses a Message Authentication Code (MAC) to prevent anyone tampering with our Internet site. Your computer will always check this code before it takes a message from us. This means that if anyone tried to interfere with a message, your computer would not recognise the code and would alert you.
All the information that we hold about you is protected by firewalls and a wide range of IT security measures.
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Q) How do I make a claim?
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While you are away
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When you return Home
1. While you are away
24 hr Medical & Emergency Assistance
What to do in case of a medical emergency
In the event of any illness, injury, accident or hospitalisation involving anyone insured under
this policy, where the anticipated costs are likely to exceed £250, you must notify the
Emergency Assistance Service.
They will direct you to an appropriate medical facility and may
be able to guarantee costs on your behalf.
When contacting the Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2011.
TEL: 0044 (0) 844 879 8813 or 0044 (0) 208 763 4932
24 Hours a day, 365 days a year.
Note: You must retain receipts for medical & additional costs incurred.
Hospital Treatment Abroad
If you are admitted to hospital abroad, you must contact the Emergency Assistance Service immediately.
If you do not, this could mean that the Insurer will not provide cover or they may reduce the amount they pay for
medical expenses. If you are not admitted to hospital, but you receive medical treatment abroad as an outpatient,
you should pay the hospital or clinic and claim back your medical expenses from the claims services when you
return to the United Kingdom.
Returning early to the United Kingdom
If you have to return early to the United Kingdom under Section A1 (cancellation and curtailment) or Section B (emergency medical expenses and repatriation),
tour Emergency Assistance Service must authorise this. If they do not, this could mean that the Insurer will not provide cover or they may reduce the amount they
pay for your return to the United Kingdom. Our Emergency Assistance Service reserve the right to repatriate you should the Insurers medical advisors view you as being fit to travel.
When contacting our Emergency Assistance Service please ensure you quote the Master Policy Reference: WHIIL/Cover4travel/06/2011.
TEL: 0044 (0) 844 879 8813 or 0044 (0) 208 763 4932
24 Hours a day, 365 days a year.
Note: You must retain receipts for medical & additional costs incurred
2. When you return Home
For all sections:
If you need to make a claim, please obtain a claim form no later than 31 days after the event by:
TELEPHONING OUR CLAIMS TEAM
0871 664 7995 *
Monday to Friday 9.00am – 5.00 pm
Quoting reference: WHIIL/Cover4travel/06/2011
* Calls from BT land lines cost 10p per minute. Calls from mobiles and other networks may be extra.
OR WRITING TO US
Cover4travel Claims Service,
White Horse Administration Services Ltd,
PO BOX 5633,
Walsall,
WS6 9BB,
England
When you contact us, please ensure that you have the following information available to you, as we will require it to process your claim
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Master policy reference of WHIIL/Cover4travel/06/2011
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Your policy number
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Date of purchase of your policy
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Travel itinerary
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Country and resort you visited or intended to visit
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Actual or intended travel dates
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Incident date
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Brief circumstances of your claim
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Value of your claim
Please note that your claim may be delayed if you are unable to provide us with the above information.
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Q) Can I extend my travel insurance policy to include Wintersports Cover?
A) Our Platinum policies offer the option of wintersports cover:
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Single Trip – This is available, subject to payment of an additional premium
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Annual Multi Trip – Wintersports cover for up to 17 days per policy period is automatically included within our Platinum annual policies.
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Q) How do I amend my policy?
A) Please telephone our help centre on 0844 826 2031*
Office opening times are Monday to Friday 9am to 5pm excluding public holidays.
If you would prefer a call back then please email us at info@cover4insurance.com stating the following information:
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Q) How do I cancel my policy?
A) If after reading your policy you decide the terms of the insurance do not meet your requirements you will have 14 days to cancel it, starting on the day you receive your documentation. Provided that a claim does not exist and that travel has not taken place.
To cancel you policy you should email us at info@cover4insurance.com from the account that we have sent policy confirmation to, with the following information:
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Q) Can I extend my travel insurance policy to include laptop computer cover?
A) Yes, simply select the Business / Laptop cover in stage 1 of the quote process and this will cover your laptop up to £500 whilst you are travelling.
If you are wishing to add this cover to an existing policy please note that Business / Laptop cover can only be added to our Platinum policies. If you have a Silver or Gold policy, this will also need to be upgraded to Platinum cover in order to make this extension.
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Q) Can I extend my travel insurance policy to include Golf Cover?
A) Yes, simply select the Golf cover option in stage 1 of the quote process.
If you are wishing to add this cover to an existing policy please note that Golf Cover can only be added to our Platinum policies. If you have a Silver or Gold policy, this will also need to be upgraded to Platinum cover in order to make this extension.
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Q) Can I extend my travel insurance policy to include Business Cover?
A) Yes, simply select the Business / Laptop cover in stage 1 of the quote process.
If you are wishing to add this cover to an existing policy please note that Business cover can only be added to our Platinum policies. If you have a Silver or Gold policy, this will also need to be upgraded to Platinum cover in order to make this extension.
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Q) What is the couple definition under this policy?
A) This varies for a single trip and annual multi trip policies please see relevant product listed below:
Single Trip Policy: A husband/wife/civil partner or partner aged 54 or under at the time of purchasing this policy (who have co-habited for at least six months).
Annual Multi Trip Policy: A husband/wife/civil partner or partner aged 74 or under at the time of purchasing this policy (who have co-habited for at least six months).
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Q) I have a European Health Insurance Card (EHIC) do I still need Travel Insurance?
A) Yes you still need a travel insurance policy, the EHIC card is not a substitute for travel insurance.
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While it is very useful, it is only for Medical cover. Travel insurance will also cover you for things like cancellation, travel delay, repatriation to the UK, baggage and personal effects – depending on the type of policy you purchase
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Using the EHIC doesn't always mean free treatment you may still have to pay for all or part of your treatment. This is where your travel insurance policy kicks in – if your claim for medical expenses has been reduced by more than your excess due to you using an EHIC or private medical insurance the excess under section B (Medical expenses) will not apply.
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While emergency treatment in the UK tends to be On the NHS, don’t assume this type of cover will be available when you are away you may well be taken to a private hospital.
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland,
you are advised to obtain a European Health Insurance Card (EHIC) from your local Post Office. You can also apply
either online through
www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle you to benefit
from the reciprocal healthcare arrangements which exist between countries within the EU/EEA or Switzerland.
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Q) Is my mobile phone covered under my travel insurance policy?
Q) Can I extend my travel insurance policy to cover my mobile phone?
A) No, unfortunately our travel insurance policies do not cover mobile phones. However our sister website
www.cover4mobilephones.co.uk offer a standalone mobile phone insurance
product which can cover your mobile phone anywhere in the world for up to 90 days.
Annual Mobile Phone Insurance premiums start at just £27.39**
With monthly mobile phone insurance premiums starting from £2.49**
**£27.39 / £2.49 (annual/monthly) premium are based on a mobile phone cover purchased online with a value up to £150.
All premiums are correct as at the 01/06/2011.
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