Travel Insurance

for people with medical conditions

Key Sections of Cover Explained

Main Travel Insurance Policy Benefits Explained

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

Although some cover sections come with Able2Travel Travel Insurance’s travel policy as standard, others are optional add-ons, which, you may opt to include on your travel insurance policy, for an additional premium. Subsequently, not all sections of cover detailed below are necessarily applicable to you. Your Policy Certificate will display any additional covers that you may have purchased.

If you have already purchased your Able2Travel Travel Insurance, you should have already received a confirmation email containing your Able2Travel Travel Insurance policy document as an attachment. If you have not please contact us to arrange re-sending it - click here to contact us.

IMPORTANT NOTE:This will outline the key sections of your travel insurance cover and options. This summary is provided for convenience purposes only to give limited information on the applicable Policy, available in conjunction with the Able2Travel 2019 Travel Insurance Product reference VOY/A2TMK2/2019. It is not a contractual summary. Always refer to your policy documents for information regarding your specific policy.

It is important to note that all policy benefits are subject to terms, conditions and exclusions.

Key Sections of Cover:

Cancellation/Curtailment/Loss of Holiday

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for the pro-rata costs of the unused travel and accommodation costs (including unused pre-booked excursions up to a value of £100) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if it is necessary to Cancel or Curtail the planned Trip because of any of the events explained in ‘Section 1’ of your policy wording.

Emergency Medical Expenses

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for the reasonable costs necessarily incurred as a result of You sustaining Accidental Bodily Injury (as defined), unexpected Illness (as defined) or death during Your Trip in respect of all the points in Section 2 of your policy wording.

If you do suffer an illness while on your trip, you (or your travelling companion) should contact our Emergency Medical Assistance provider as soon as possible on +44 (0) 203 824 0742.

Hospital Stay Benefit

You are covered for the amount for the level of cover you have selected shown in the benefits schedule for each night spent receiving in-patient hospital treatment outside of Your Home country that is covered under ‘section 2’ - emergency medical expenses.

Personal Accident

You are covered for the amount for the level of cover you have selected shown in the benefits schedule if You have an Accident whilst You are on Your Trip which is the sole and independent cause of Your death, permanent total disablement, loss of sight or loss of limb(s) within 12 months of the Accident.

If You are aged under 16 at the date of the Accident, the amount You are covered for in the event of Your death is shown in the benefits schedule.

Payment under this section in respect of all the consequences of an Accident shall be limited in total to the amount shown in the benefits schedule. In the event of Your death within 12 months of the Accident, the total payment will be limited to the amount shown for death.

Please note this section refers to an incident that results in loss of sight, loss of limbs or permanent total disablement. Any other injuries sustained as a result of an accident are likely to be dealt with under Section 2 – Emergency Medical Expenses.

Additional Cover on Your Return Home

The benefit under this section is intended to provide additional cover on your return home following hospitalisation abroad which is covered in Section 2 – Emergency Medical Expenses.

Aftercare

You are covered up to the amount shown in the benefits schedule under section 2 Emergency for the cost of treatment given, prescribed or authorised by a Medical Practitioner in Your Home Country and agreed by Us following bodily injury or Illness that required inpatient treatment during a Trip outside Your Home Country:

  1. up to the amount shown in the benefits schedule for the employment of a Home Help or Nanny, provided this was not available to You before Your Trip;
  2. up to the amount shown in the benefit schedule for the cost of further physiotherapy treatment.
  3. up to the amount shown in the benefit schedule for the cost of a further medical examination by a Medical Practitioner back in the UK in relation to a check up or follow-up and/or any treatment or service rendered; in relation to Your injury or Illness that required inpatient treatment during Your Trip.

Travel Delay and abandonment

The benefit provided under Travel delay below is intended to provide compensation if You are delayed at Your point of departure and is only applicable if You have travelled there and checked-in. If You have not travelled to Your departure point You will not be covered even if You have checked in online.

Travel delay - You are covered up to the amounts (a), (b) and (c) shown in the benefits schedule if the departure of the Public transport on which You are booked to travel is delayed by at least 12 hours. (a) for the first complete 12-hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c).

Abandonment However, if Your departure from Your Home country is delayed for more than 12 hours and You choose to abandon Your Trip, instead of a payment for delay, You are covered for the cost of the Trip, up to the maximum claimable under section 1 - cancellation or Curtailment/ Loss of holiday.

Missed Departure & Connections

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for necessary additional travel and accommodation expenses (on a bed & breakfast basis) that You incur in reaching Your destination if You arrive at any departure point shown on Your pre-booked itinerary too late to board the Public transport on which You are booked to travel as a result of the points explained in ‘Section 6’ of your Policy Wording.

Baggage

Baggage means luggage including clothing and personal items which are owned or borrowed (but not hired) by you and have either been taken or purchased on the Trip. Certain items are excluded from this definition, please see the policy wording for more details.

You are covered up to the amounts shown in the benefits schedule, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to;

  1. Your Baggage.
  2. Your Valuables (as defined in the policy wording).

You are also covered up to the amount shown in the benefits schedule for the level of cover you have selected in respect of emergency purchases for the cost of buying necessary items (for example clothing, medication, Medical aids and toiletries) if You are deprived of Your Baggage for more than 12 hours after arrival at Your outbound destination. You must provide receipts for the items that You buy. If Your Baggage is permanently lost, any amount that We pay for emergency purchases will be deducted from the total claim.

Additional Cover For Your Medical Items

You are covered up to the amounts shown in the benefits schedule for the level of cover you have selected, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to

  1. Medical Aids owned by You or for which You are legally responsible, including the necessary costs to hire other Mobility Aids, and
  2. Prescribed medication.

    Medical aids include wheelchairs, walking frames and sticks, supplies and equipment designed to provide the mobility and care for the disabled.

    You are also covered up to the amount shown in the benefits schedule in respect of emergency hire costs or purchases for the cost of

  3. buying necessary prescribed medication (including the additional costs incurred in arranging and transporting emergency prescribed medications if this is not available locally), and
  4. Medical Aids or mobility equipment;

If You are deprived of Your prescribed medication, Medical Items or mobility equipment for more than 12 hours after arrival at Your outbound destination. We may at Our option replace, reinstate or repair the lost or damaged Medical Aids or Mobility Equipment.

Personal Money

Personal money means cash (bank notes and coins), travellers’ cheques, travel tickets and accommodation vouchers.

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for loss or theft of Personal money which is the property of You and carried on Your person or placed in a safety deposit box or similar locked, fixed receptacle.

Loss of Passport

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule following loss or theft of Your passport for any necessary additional travel and accommodation costs, including the cost of any emergency passports, visas or permits incurred to enable You to continue Your Trip or return to Your Home country. It does not cover the cost of a permanent replacement passport itself.

Personal Liability

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

  1. Accidental Bodily Injury, including death, Illness and disease to a person, and/or
  2. Accidental loss of or damage to material property (property that is both material and tangible).

Legal Expenses

You are covered up to the amount shown in the benefits schedule for legal costs and expenses incurred in pursuit of a claim for compensation or damages from a third party who causes Your death or Bodily Injury or Illness during Your Trip.

Where there are two or more persons insured by this policy, then the maximum amount We will pay for all such claims shall not exceed £50,000.

Catastrophe & Travel Disruption Cover

The following section only applies if You have paid the appropriate premium for Gold or Platinum Cover as shown on Your certificate.

You are covered up to the amounts for the level of cover you have selected shown in the benefits schedule in respect of the following (see policy wording for full explanation of following extensions of cover sections);

  1. Extended Cancellation or Curtailment/Loss of Holiday

The cover detailed under Section 1 of your Policy Wording - Cancellation or Curtailment/Loss of Holiday is extended to include necessary cancellation or Curtailment/Loss of Holiday of the planned Trip due to the closure of air space directly attributable to volcanic eruption or as a result of the Travel Advice Unit of the Foreign & Common Wealth Office (FCO) or the World Health Organisation (WHO) or regulatory authority in a country to/from which You are travelling issuing a directive;

  1. prohibiting all travel or all but essential travel to, or
  2. recommending evacuation from;

the country or specific area or event to which You were travelling, providing the directive came into force after You purchased this insurance or, booked the Trip (whichever is the later) and, in the case of Curtailment, after You had left Your Home country to commence the Trip.

  1. Extended Travel Delay & Abandonment

The cover detailed under Section 6 - Travel Delay & Abandonment is extended to include;

  1. any irrecoverable unused travel and accommodation costs if You choose to abandon Your Trip as a result of You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 24 hours.
  2. suitable additional travel and accommodation expenses (room only up to the equivalent standard to that originally booked) incurred in reaching Your overseas destination and/or in returning to Your Home country as a result of;
  1. the Public transport on which You were booked to travel being cancelled, delayed for more than 24 hours, diverted or re-directed after take-off, or
  2. You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 24 hours.
  3. closure of air space directly attributable to volcanic eruption.
  1. Catastrophe & travel disruption cover related to pre-booked accommodation
  1. Your proportionate share of irrecoverable unused accommodation costs (including unused pre-booked excursions up to a value of £100) that have been paid or where there is a contract to pay that cannot be recovered from anywhere else, or
  2. necessary additional travel and accommodation expenses incurred to an equivalent value and standard in the event that You are forced to move from pre-booked accommodation to continue Your Trip, or if the Trip cannot be continued, to return Home as a result of;
  1. an infectious disease affecting Your stay in Your accommodation or resort.
  2. local medical epidemic or directive from the responsible government or local authority directly affecting the area where the pre-booked accommodation is.
  3. fire, flood, earthquake, explosion, tsunami, landslide, avalanche, hurricane, volcanic eruption, storm or other natural disaster that threatens Your safety such that official evacuation orders are issued or that the pre-booked accommodation is rendered uninhabitable.
  1. Extended Missed Departure

Section 7 - Missed Departure & Connections is extended to provide cover in the event;

    1. that You are denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours. ii. of the closure of air space directly attributable to volcanic eruption.

Personal Carer, Chaperone or Nanny Replacement

The following section only applies if You have paid the appropriate premium for Gold or Platinum Cover as shown on Your certificate.

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule if Your original Personal Carer, Chaperone or Nanny that was travelling with You on Your Trip, is certified by a Medical Practitioner as being unable to fulfil their duty of care and assist You as a result of their death, injury or Illness occurring during Your Trip (whether they are insured with Us or not), for Your necessary additional hire, travel and accommodation expenses for a replacement Personal Carer, Chaperone or Nanny (or excluding hire or employment costs, for a Relative or friend, if a replacement Personal Carer, Chaperone or Nanny is not available) to travel to Your location, stay with You and to assist You during, and so that You can complete Your Trip and accompany You Home subject to You obtaining approval from Our nominated emergency service prior to incurring any cost. This is extended for up to two people if You are under 18 years of age.

Kennel & Cattery Fees

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for each complete 24 hour period and in total for extra kennel and/or cattery costs for Your dog or cat if You are delayed in returning from Your Trip because of death, Bodily Injury or Illness or there is a delay to the Public transport that cannot be avoided.

Hijack, Kidnap & Mugging Benefits

You are covered up to the amount shown in the benefits schedule for each complete 24 hour period and in total if:

  1. You are prevented from reaching Your Trip destination as a result of the aircraft, sea vessel or international train in which You are travelling being hijacked, or
  2. If during Your Trip You are unlawfully and illegally abducted and held against Your will as a result of being kidnapped, or
  3. You are hospitalised during Your Trip because of Bodily Injuries sustained during a mugging or similar violent and unprovoked attack.

Financial Failure

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for;

    1. irrecoverable sums paid in advance in the event of insolvency of the scheduled airline, hotel, train operator including Eurostar, car ferries; villas abroad & cottages in the UK; coach operator, car hire company, caravan sites, campsites, mobile Home, camper rental, safaris; excursions; Eurotunnel; theme parks such as Disney Land Paris all known as the End supplier of the travel arrangements not forming part of an inclusive Trip prior to departure, or
    2. in the event of insolvency after departure;
      1. additional pro rata costs incurred by You in replacing that part of the travel arrangements to a similar standard of transportation as enjoyed prior to the Curtailment of the travel arrangements, or
      2. ii. if Curtailment of the Trip is unavoidable - the cost of return transportation to the United Kingdom, Channel Islands or the Isle of Man to a similar standard of transportation as enjoyed prior to the Curtailment of the travel arrangements.

PROVIDED THAT in the case of b (i) and (ii) above where practicable You have obtained the approval of the insurer prior to incurring the relevant costs.

Policy Options Explained

Winter Sports Option

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

    1. Winter Sports Equipment

You are covered up to the amounts for the level of cover you have selected shown in the benefits schedule, after making reasonable allowance for Wear, tear and depreciation and subject to the special condition shown below for;

  1. loss or theft of, or damage to Winter Sports Equipment owned or borrowed by You.
  2. loss or theft of, or damage to Winter Sports Equipment hired by You.
    1. The cost of necessary hire of Winter Sports Equipment following;
  1. loss or theft of, or damage to, Your Winter Sports Equipment insured by Us, or
  2. the delayed arrival of Your Winter Sports Equipment, subject to You being deprived of their use for not less than 12 hours.
    1. Lift Pass

You are covered up to the amounts for the level of cover you have selected shown in the benefits schedule for the proportionate value of any ski pass, ski hire or ski school fee that You are unable to use following;

      1. Accidental injury or sickness that prevents You from skiing, as medically certified, or
      2. loss or theft of Your ski pass.
    1. Ski Pack

You are covered up to the amounts shown in the benefits schedule for the proportionate value of any ski hire or ski school fee that You are unable to use following;

  1. Accidental injury or sickness that prevents You from skiing, as medically certified, or
  2. loss or theft of Your ski pass.
    1. Piste Closure

You are covered for the daily amount for the level of cover you have selected shown in the benefits schedule for each day that it is not possible to ski because all lifts are closed due to a complete lack of snow, adverse conditions or avalanche danger in Your pre-booked Trip resort, up to the total amount shown either;

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

You are covered up to the amount shown in the Benefits Schedule for the cost of further Physiotherapy treatment prescribed and authorised by a Medical Practitioner in Your Home Country and agreed by us following bodily injury sustained during a Winter Sports Trip.

Cruise Cover Option

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

Rejoin your Cruise cover

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only) that is agreed by Us to reach;

  1. the next docking port in order to re-join the Cruise, or
  2. to the final destination of Your Cruise, following Your temporary Illness or injury requiring hospital treatment on dry land which is covered under Section 2 – Emergency Medical Expenses. If, at the time of requesting Our assistance to rejoin Your Cruise, satisfactory medical or other evidence required by Us, is not supplied in order to substantiate the claim, We will make all necessary arrangements at Your cost and arrange appropriate reimbursement as soon as the claim has been validated.

Missed Port Departure

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only) that is agreed by Us to join Your Cruise ship journey at the next docking port if You fail to arrive at the international departure point in time to board the ship on which You are booked to travel on the initial international journey of Your trip as a result of;

  1. the failure of scheduled Public transport, or
  2. an Accident to or Breakdown of the vehicle in which You are travelling, or
  3. an Accident or Breakdown occurring ahead of You on a motorway or dual carriageway which causes an unexpected delay to the vehicle in which You are travelling, or
  4. strike or industrial action or adverse weather conditions

Cabin Confinement

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for each 24-hour period that You are confined by the ship’s medical officer, to Your cabin or stateroom due to Your compulsory quarantine, or for medical reasons during the period of the Trip.

Cruise Itinerary Change

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for each missed port in the event Your scheduled port visit is cancelled due to adverse weather or timetable restrictions.

Loss of Shore Excursions

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for the cost of pre-booked, prepaid and non-refundable excursions, which You were unable to use as a direct result of being a hospital inpatient or being confined to Your cabin, due to an Accident or Illness which is covered under Section 2 – Emergency Medical Expenses of the policy.

Cruise Interruption

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule for necessary additional travel expenses by the most direct route and additional accommodation (room only), that is agreed by Us and necessarily incurred by You;

  1. to reach the next docking port in order to re-join the Cruise, or
  2. to reach the final destination of Your Cruise, following Your Cruise being necessarily and unavoidably interrupted as a result of;
  1. Your passport being lost after Your international departure but before embarkation of Your planned Cruise or during disembarkation ashore on one of the scheduled stops as a result of loss or theft, or
  2. it being deemed medically necessary by a Medical practitioner for You to accompany and assist an insured person who is admitted as an in-patient that is covered under Section 2 – Emergency Medical Expenses of the policy, or
  3. You being detained by local police as a result of being a witness or being required to give evidence as a result of Your participation in a road traffic accident, or criminal investigation where You are not the accused.

Business Plus Cover Option

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

Definitions applicable to this section

Business equipment means computer equipment, communication devices and other business related equipment which You need in the course of Your business, trade or profession, which is not insured on a company policy and is carried by You in the course of Your business Trip. The equipment must be owned by Your employer or if You are self-employed it must be owned by You.

Business money means cash or money orders held by You for business purposes which is not insured on a company policy.

Business Equipment & Samples

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for the value or repair of Your Business Equipment or business sample as a result of their accidental loss, theft, damage or destruction (after allowing for wear, tear and depreciation).

Business Money

You are covered up to the amount shown in the benefits schedule for the loss or theft of Business Money during Your Trip, which is Your property (if self-employed) or Your employer’s property whilst being carried on Your person or left in a locked safety deposit box.

Delayed Business Equipment/Hire

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule if Your Business Equipment is accidentally lost, stolen, damaged, destroyed, misdirected or delayed in transit by more than 12 hours, for the cost of hiring necessary Business Equipment for each 24 hour period You are without Your Business Equipment.

Emergency Courier of Essential Equipment

You are also covered up to the amount for the level of cover you have selected shown in the benefits schedule for any emergency courier expenses You have necessarily incurred, in obtaining and replacing any Business Equipment that is covered under Business Equipment and which cannot be hired locally at a lower cost and is which is essential to Your intended business itinerary after theft or damage, or if Your Business Equipment is misdirected or delayed in transit by more than 12 hours. You must keep receipts for all courier expenses You incurred.

Business Personnel Replacement

The following section only applies if You have paid the appropriate additional premium for the Business Plus option and Your cover level is Gold or Platinum, as shown on Your certificate.

You are covered up to the amount for the level of cover you have selected shown in the benefits schedule for necessary additional return travel and accommodation expenses (on a bed & breakfast basis) for You or a Business Colleague to complete essential business commitments that were left unfinished due to;

  1. Your medical repatriation, death, hospitalisation, or temporary total disablement (which lasts for a continuous period of at least 72 hours) occurring during Your Trip and as certified by a Medical Practitioner), or
  2. the death, injury or illness (occurring in Your Home Country during the period of the Trip) of Your Relative or Business Colleague.

Golf Equipment

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

You are covered up to the amount for the level of cover you have selected shown in the policy options benefits schedule, for accidental loss, theft of or damage to Golf equipment which You own. Within this amount the following sub-limits apply;

    1. the maximum We will pay You for any one club or one piece of Golf equipment is shown in the policy options Benefits Schedule. If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one pair or set of articles, will be limited to a maximum of £50. Evidence of replacement value is not sufficient
    2. the maximum We will pay in total for all items lost, damaged or stolen in any one incident is limited to £250 if You cannot provide satisfactory proof of ownership and value.

Golf equipment hire

You are covered for the necessary cost of hiring replacement Golf equipment as a result of the accidental loss, theft or damage of Your Golf equipment during the period of insurance, or if Your Golf equipment is certified by the carrier to have been lost or misplaced on the outward journey of a Trip for a period more than 24 hours, then We will pay You up to the amount shown in the policy options benefits schedule to hire replacement Golf equipment.

Green fees

You are covered up to the amount for the level of cover you have selected shown in the policy options Benefits Schedule for the proportionate value of any pre-paid green fees, Golf equipment hire fees or tuition hire fees which are confirmed as non-refundable and not used due to;

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

Wedding Cover Option

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

Your insurance is extended to include the following extra cover, as an extension to Section 8 – Personal Baggage in respect of weddings. The standard exclusions and conditions remain in force, as far as applicable, in respect of wedding rings, gifts and attire unless specifically amended below.

Definitions applicable to this section

You and Your means each insured couple, where appropriate.

Wedding Attire means clothing and shoes bought specifically for the occasion and the cost of make-up, hair styling and flowers paid for or bought for the occasion.

Ceremonial attire

You are covered up to the amount shown in the Benefits Schedule following the loss or theft of, or damage to Your Wedding Attire in respect of the repair or replacement of the lost or damaged items.

Wedding gifts

You are covered up to the amount shown in the Benefits Schedule for the loss or theft of, or damage to Your wedding gifts taken on, sent up to 7 days in advance or bought during the Trip.

Wedding rings

You are covered up to the amount shown in the Benefits Schedule for the loss or theft of, or damage to one or both wedding rings taken on, sent in advance or bought during the Trip.

Wedding photographs or video recordings

You are covered up to the amount shown in the Benefits Schedule for the necessary additional costs You incur to reproduce the photographs or retake the video recordings if;

  1. the photographer who was pre-booked to take the photographs or video recording on Your wedding day is unable to fulfil such obligations due to Illness, injury or unavoidable and unforeseen transport problems, or
  2. the photographs or video recordings of the wedding day taken by a professional photographer are lost, damaged or destroyed within 14 days after the wedding day and whilst You are still at the wedding/honeymoon location.

Extended Carer Option

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

Definitions applicable to this section

Carer means a person who provides help and support (whether paid or not) on a daily basis to a Relative, friend or neighbour who could not cope without their support due to Illness, frailty, a mental health problem, addiction or disability. A Carer may be the recipient of benefits and/or support allowance.

Stand-In Carer means a person who has agreed to take over Your responsibilities as Carer for the duration of Your Trip.

Cared For Person means the person in Your Home Country that You care for as a Carer.

Important Note:

We are aware that the person You are caring for may have one or more pre-existing medical conditions (this may also apply to a Stand-In Carer). We do not need their pre-existing medical condition(s) to be declared to Us.

However, please note any claim under this Enhanced Carer Option is subject to the Doctor of the Cared For Person confirming to Us that at the time the insurance was taken out, or at the time You booked Your Trip, he/she would not have foreseen such an imminent serious deterioration in their patient’s condition and that would make it necessary for You to cancel or cut short Your Trip.

If You are in any doubt, You must check with their Doctor before purchasing Your Policy and booking or before departing on Your Trip.

    1. Extended Cancellation and Curtailment

This option extends coverage under Section 1 – Cancellation or Curtailment to provide additional cover for You if:

  1. You are a Carer who is travelling on a Trip that is covered under this policy and has bought this option but the person You usually care for back in Your Home Country suddenly and unexpectedly dies, falls seriously ill, or is seriously injured, which results in You being necessarily and unavoidably being unable to travel or You needing to come home early from Your Trip, or
  2. if You have arranged and nominated a Stand-In Carer for the Cared For Person You usually care for in Your Home Country while You are on Your Trip and the Stand-in Carer is unable to fulfil their obligations to attend to the person You usually care for due to;

the Stand-In Carer’s injury, sudden and unexpected Illness or death, or the injury, sudden Illness or death of a close Relative of theirs, or is required for jury service or as a witness in a court of law; and You cannot find anyone to act as an emergency replacement Stand-In Carer, which results in You being necessarily and unavoidably unable to travel or You needing to come Home early from Your Trip.

    1. Name Change Administration Charges

Cover is extended to include Your costs of related Name or Ticket Administration changes, if You are able to change the names or dates on Your original booking so as to prevent You having to cancel the Trip; and

    1. Transport of Replacement Carer Charges

Cover is extended to provide economy transport costs of an emergency replacement Stand-In Carer to travel to and attend to the Cared For Person person You usually care for, so as to prevent You having to cancel Your Trip or You needing to come home early.

Gadget Cover Option

The following option only applies if You have paid the appropriate additional premium as shown on Your certificate

Definitions applicable to this section only.

The following words shall have the meanings given below.

Accessories means any item that You may attach or connect to Your Gadget (for example a phone charger).

Accidental Damage means the unintentional and unforeseen failure, breakage or destruction of Your Gadget, with visible evidence of an external force being applied and which results in the Gadget being unusable.

Cosmetic Damage means any damage which is non-structural, including but not limited to scratches, dents and marks, which does not affect the usage of the Gadget.

Gadget means the portable electronic equipment item(s) owned by You, the replacement value of which must not exceed the Gadget Maximum Per Item Limit and shown within the relevant proof of purchase, that is in good condition and in full working order at the time of Your Trip, including Laptops, Mobile Phones, Smart Phones, iPhones, iPads, Tablets, e-readers, MP3 Players, CD/DVD Players, Head/Ear Phones, Satellite Navigation Devices, PDAs, handheld games, consoles, cameras, video cameras and wearable technology (e.g. smart watch or health and fitness tracker) but excluding drones.

Loss means that the Gadget has been accidently lost by You and You are permanently deprived of its use.

Malicious Damage means the intentional or deliberate actions of another party which causes damage to Your Gadget.

Proof of Purchase means an original receipt and any other documentation required to prove Your Gadget was purchased from a UK VAT registered company and that it is owned by You - including the date of purchase, make and model of Your Gadget, where applicable

Proof of Usage means evidence that shows Your Gadget has been in use before the event giving rise to the claim. Where the Gadget is a mobile phone this evidence can be obtained from Your Airtime provider. For other Gadgets, such as laptops or tablets, in the event of accidental damage claims this may be determined through inspection by Our repairers.

Replacement Item(s) means an identical Gadget of the same age and condition, or if not available, one of comparable specification or the equivalent value taking into account the age and condition of the original Gadget. Replacement Items will only be delivered to a UK address of Your choice.

Theft means the unlawful taking of Your Gadget against Your will by another party using force or threat of violence, with the intent to permanently deprive You of that property, or burglary by forcible and violent entry, as confirmed by a Police crime report.

Unauthorised Calls, Texts or Data use means any calls, texts or data use made from Your Gadget after the time that it was stolen, to the time that it was blacklisted by Your airtime provider.

What is Covered

You are covered up to the amount for the level of cover you have selected shown in the Benefits Schedule in respect of gadgets owned by You against Theft, Loss, Accidental Damage and Malicious Damage, Liquid Damage and Unauthorised Calls, Texts or Data Use, while You are on a Trip that is covered by Your travel insurance policy.

Theft or Loss

You are covered up to the amount for the level of cover you have selected shown in the Benefits Schedule to replace Your Gadget with a replacement item if it is stolen or lost. Where only part or parts of Your Gadget have been stolen or lost, We will only replace that part or parts.

Accidental damage and Malicious damage

You are covered up to the amount for the level of cover you have selected shown in the Benefits Schedule for the costs of repairing Your Gadget as a result of Accidental Damage or Malicious Damage, which was not deliberately caused by You or bound to happen. If We are unable to economically repair Your Gadget then, at Our discretion, a replacement item will be provided by Us.

Liquid Damage

You are covered up to the amount for the level of cover you have selected shown in the Benefit Schedule to repair or provide a replacement item for Your Gadget if it is damaged as a result of accidentally coming into contact with any liquid.

Unauthorised Calls, Texts or Data Use

Where Your Gadget is a device where You are charged for Unauthorised Calls, Texts or Data Use and it is lost or stolen. You are covered for cost of any calls, texts or data used after the time it was lost or stolen to the time it was blacklisted by Your airtime provider. This is subject to You providing an itemised bill. The maximum We will pay for any one occurrence is stated in the Benefits Schedule.

Repairs and Replacement Conditions

All repaired or replaced Gadgets will be supplied and configured to UK specification and set-up in English language. Where We are able to provide a replacement, this is not on a ‘new for old’ basis. Cover is limited to one replacement per period of insurance per item, up to the amount specified in Your policy schedule. If Your Gadget cannot be replaced with an identical Gadget of the same age and condition, We will replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original Gadget subject to the following depreciation scale:

  • 20% over one year old and less than two years old
  • 30% over two years old and less than three years old
  • 40% over three years old and less than four years old
  • 60% over four years old and less than five years old
  • 80% over five years old and less than six years old

Please note:

  1. if We replace Your Gadget the damaged or lost items becomes Ours. If it is returned or found You must notify Us and send it to Us if We ask You to.
  2. it may not always be possible or economical to replace Your Gadget with the same colour or finish, in which case an alternative colour/finish will be provided.

IMPORTANT NOTE -

This will outline the key sections of your cover and options. This summary is provided for convenience purposes only to give limited information on the applicable Policy, available in conjunction with the Able2Travel 2019 Travel Insurance Product reference VOY/A2TMK2/2019. It is not a contractual summary. Always refer to your policy documents for information regarding your specific policy.

It is important to note that all policy benefits are subject to terms, conditions and exclusions.

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Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you