Travel Insurance
2012 TRAVEL INSURANCE with Western Canada Motorhomes
- Up to 10 days £ 90.00
- Up to 17 days £111.00
- Up to 24 days £140.00
- Up to 31 days £157.00
- Each add 7 days £ 41.00
Frontier Travel Ltd t/a American Round Up with Western Canada Motorhomes are an Appointed Representative of Global Travel Insurance Services Ltd who are authorised and regulated by the Financial Services Authority. We are happy to offer to you the following insurance which is underwritten by ETI International Travel Protection (ETI) the UK branch of Europäische Reiseversicherung A.G. Munich, ERGO group Company who are approved by the Financial Services Authority to undertake insurance business in the UK.
This insurance has been specifically designed so that it covers all of the holidays that we feature, protecting you in full if you have to cancel and providing you with the very best and most effective protection if you are unfortunate enough to require medical attention whilst away from home.
Don’t take unnecessary risks by insuring your travel anywhere else as we cannot accept any responsibility or provide assistance if problems arise as a result of inadequate cover. We are confident that this policy is best for you. A full policy wording will be sent to you with your confirmation of booking. Full details are also available upon request. This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for travel between 1/1/2012 and 31/12/2012.
Cancellation or Curtailment section - double the normal excess.
INSURANCE PRODUCT SUITABLITY SUMMARY OF COVER DELAYED DEPARTURE up to £3,000: If your outward or return trip is delayed for more than 12 hours at the final departure point to/from UK due to adverse weather conditions, mechanical breakdown or industrial action, you are entitled to either
(a) £20 for the first 12 hours and £10 for each further 12 hours delay up to a maximum of £60, or
INSURANCE PRODUCT DISCLOSURE General Queries
Applicable Law The law applicable to this insurance contract is English Law. Complaints Financial Security
CANCELLATION OR CURTAILMENT up to £3,000: If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, the police requiring you to remain at or return to your home due to serious damage to your home, you are covered against loss of travel and accommodation costs.See section headed Increased Excess for Pre Existing Medical Conditions for increased excesses applicable to claims arising from pre existing medical conditions.
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose Individual round trip starts and finishes in the UK and is of no more than 90 days duration, and whose age is 90 years or less and is a permanent resident of the United Kingdom. As this description contains the Key Features of the cover provided it constitutes provision of a statement of demands and needs. If you would like more information or are unsure of any details contained herein, you should ask Global Travel Insurance Services Ltd for further advice.
Main policy limits only, please see the policy document for other limits that may apply
(a) The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses. Limit £250 for emergency dental treatment and £5,000 burial/cremation/transfer of remains. Limit £2,500 for transfer of remains to your home if you die in the UK. See section headed Increased Excess for Pre Existing Medical Conditions for
increased excesses applicable to claims arising from pre existing medial conditions.
(b) HOSPITAL BENEFIT up to £300: An additional benefit of £15 per day for each day you spend in hospital abroad as an in-patient.
Jewellery, furs, etc. Luggage and valuables limited to £1500. Delayed luggage, up to £75.
Money, travel tickets and travellers cheques are covered up to £500 against accidental loss or theft (cash limit £250).
No cover is provided for loss or theft of unattended property, valuables or money or for loss or theft not reported to the Police within 24 hours of discovery.
Cancellation or Curtailment: The first £50 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £100 where You are aged 66 to 75 years and to £150 where You are aged 76 to 90 years (other than in respect of claims for loss of deposit where the excess is £25).
Medical and Other Expenses: The first £75 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 66 to 75 years the first £150 of each and every claim per Insured Person claimed for under this Section is excluded.
Where You are aged 76 to 90 years the first £300 of each and every claim per Insured Person claimed for under this Section is excluded.
Other Sections: An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure (b) sections, and £250 under the Personal Liability section.
If you are travelling to North or Central America or the Caribbean or on a Cruise you must first contact the Medical Screening Line in order to establish whether we can provide cover for your trip. If you are accepted then the following levels of excess will apply and you will receive written confirmation that you are covered for the trip. The number to call is 0844 892 1698.
Increased Excess for Pre Existing Medical Conditions
Unless you are travelling to North or Central America or the Caribbean or on a Cruise, there is no need to advise us of your pre existing health conditions. Provision for the acceptance of all pre existing health conditions has been made by the application of increased excesses in the event of claims arising.
For claims arising from the treatment of any pre existing illness the excess is further increased as follows –
Under the Cancellation or Curtailment section - double the normal excess.
Under the Medical & Other Expenses section: For persons aged 65 years or less the excess is increased to £500. For persons aged 66 to 75 years the excess is increased to £1,000. For persons aged 76 to 90 years the excess is increased to £1,500. You will also need to obtain confirmation from your GP of your fitness to travel.
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the policy document.
We will not pay for claims arising directly or indirectly from the following circumstances existing on the date of applying for this insurance:
(a) Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.
(b) From any terminal illness suffered by You (or any person upon whose health the Trip depends).
(c) From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance
been diagnosed or have been admitted to or undergone a procedure/ intervention in a hospital.
(d) From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
(e) Where You are travelling against the advice of a Medical Practitioner.
(f) Where You have failed to contact the medical screening line if required to do so.
Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements.
No refund of premium is provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who act on behalf of the Insurers and not the customer in relation to any claim. The telephone number is 0844 892 1697.
If you have any query regarding the cover provided you must contact Global Travel Insurance on 01903 203933 for advice.
If you wish to register a complaint about our service please contact us in writing at the above address. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.
These insurance arrangements are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our financial obligations although this depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered up to 90% of the claim, without any upper limit. Further
information about compensation
