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Thinking ahead
Our comprehensive holiday insurance package is provided for us by leading experts Holiday Extras and underwritten by Europ Assistance. This great policy offers a very high level of cover for your holiday. Excellent value for money and total peace of mind – that really is a great deal!
Travelsphere act as an Appointed Representative of Holidays Extras Travel Insurance who are authorised and regulated by the financial services authority.
Whilst we believe that our policies represent a perfect balance between premium costs and the high level of cover provided, we do not insist that customers take out our insurance. However it is a condition of booking that you have adequate insurance if you are travelling outside the UK.
In accordance with the ‘General Business Code of Practice’ we are pleased to show opposite the most important features of our policy. Full information will be sent with your policy document. You then have a 14 day ‘cooling off’ period. During that time you may return the documents and have a full refund of your premiums if you are dissatisfied with the cover it provides.
Just compare our policy – our small print’s worth reading!
- Check headline rates carefully against prices quoted
- Beware low ‘lead-in’ prices which are not widely available
- Compare cover item by item
- Check medical cover especially carefully
- Take extra care with medical cover when visiting expensive areas such as America
- Watch out for premiums, which are only cheaper because of a high excess
- High excess means that many of your claims would be excluded anyway!
- We choose only insurance companies with experience in holiday insurance. Europ Assistance have been underwriting travel insurance for 40 years.
If you are insured with us:
- You can phone our emergency number from anywhere in the world
- Our offices are manned 24 hours a day, every day
- Our staff are in a better position to provide assistance
- We provide a direct-dial number, which will connect you to an organisation who will provide expert advice and guidance
- We can provide you with support for your claim and help your negotiations with the insurance company
IMPORTANT HEALTH REQUIREMENTS
All persons purchasing this insurance cover must comply with the following conditions in order to have full protection under this policy. If You do not comply the Underwriter may cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.
This insurance operates on the following basis:
- To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
- The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
- The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad.
- The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established)
No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless
- You have declared ALL Pre-existing Medical Conditions to the Underwriter; and
- You have declared any changes in Your health or prescribed medication; and
- The Underwriter has accepted the condition(s) for insurance in writing.
Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip.
Failure to declare ALL Pre-existing Medical Conditions that are relevant to the insurance may invalidate the policy.
The Underwriter may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.
Based on the Underwriters assessment of the medical information supplied to them, they will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If cover is offered, and is subject to the payment of an additional premium, cover will not commence until full payment has been received by the Underwriter and written confirmation has been provided by them.
To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on: 0844 338 6122.
IMPORTANT LIMITATIONS - CANCELLATION, CURTAILMENT & TRIP INTERRUPTION COVER
This policy will NOT cover any claims under Section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any Pre-existing Medical Condition, (known to You prior to the commencement of the Period of Insurance) affecting any:
- Close Relative who is not travelling as an Insured Person under this policy; or
- travelling companion who is not insured under this policy; or
- person with whom You intend to stay whilst on Your trip,
..if during the 90 days immediately prior to the commencement of the Period of Insurance they had:
- required surgery, inpatient treatment or hospital consultations; or
- required any form of treatment or prescribed medication; or
- if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
- if a terminal diagnosis had been received prior to the commencement of the Period of Insurance.
You should also refer to the General Exclusions.
| Section | Maximum Limit | Excess |
|---|---|---|
| Cancellation and Curtailment | Up to £5,000 | £75 |
| Medical Expenses and Emergency Repatriation | Up to £5,000,000 | £100 |
| Hospital benefit | £15 per day up to £600 | Nil |
| Baggage & Personal Effects | Up to £1,500 £250 single item limit £200 valuables limit |
£75 |
| Delayed Baggage | £100 after 12 hrs | Nil |
| Money & Document | Up to £300 £100 cash limit (£50 Under 18) |
£75 |
| Travel Delay | £20 for the 1st 8 hrs then £20 per 12 hours up to £60 | Nil |
| Holiday Abandonment | Up to £500 after 8 hour delay | £75 |
| Missed Departure | Europe – Up to £300 Worldwide – Up to £600 |
£75 |
| Personal Accident Permanent Total Disablement Loss of limb(s)/eye(s) Death Death under 16 years |
£25,000 £25,000 £10,000 £1,000 |
Nil |
| Personal Liability | Up to £2,000,000 | Nil |
| Legal Expenses | Up to £25,000 | Nil |
NB: A statement of cover will be sent with your confirmation of booking. If required, a copy will be sent on request prior to booking. Details valid for policies issued up to 31 August 2010 for trips starting on or before 31 July 2011.
We will provide the services and benefits described in this policy to persons who habitually reside in the UK area (ie have their main home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy).
Insurance premiums are per person
Age bands relate to date on which holiday is booked
| Duration | Aged 64 or under | Aged 65 to 69 | Aged 70 to 85 |
|---|---|---|---|
| UK | |||
| Up to 4 days | £15 | £20 | £25 |
| Up to 6 days | £18 | £25 | £30 |
| European | |||
| Up to 4 days | £26 | £45 | £55 |
| Up to 5 days | £31 | £50 | £60 |
| Up to 6 days | £36 | £57 | £67 |
| Up to 8 days | £41 | £62 | £72 |
| Up to 10 days | £43 | £64 | £74 |
| Up to 15 days | £47 | £68 | £78 |
| Up to 20 days | £55 | £78 | £88 |
| Egypt, Tunisia, -Trail of ‘The Marrakech Express’ holidays | |||
| Up to 9 days | £69 | £119 | £139 |
| Up to 13 days | £73 | £126 | £146 |
| Worldwide (excluding America, Canada, Cuba & Mexico) | |||
| Duration | Aged 64 or under | Aged 65 to 69 | Aged 70 to 85 |
| Up to 9 days | £69 | £119 | £139 |
| Up to 11 days | £71 | £123 | £143 |
| Up to 13 days | £73 | £126 | £146 |
| Up to 15 days | £76 | £130 | £150 |
| Up to 17 days | £79 | £134 | £154 |
| Up to 19 days | £82 | £139 | £159 |
| Up to 21 days | £85 | £146 | £166 |
| Up to 23 days | £88 | £154 | £174 |
| Up to 30 days | £96 | £171 | £191 |
| America, Canada, Cuba & Mexico | |||
| Duration | Aged 64 or under | Aged 65 to 69 | Aged 70 to 85 |
| Up to 9 days | £79 | £137 | £160 |
| Up to 11 days | £82 | £141 | £164 |
| Up to 13 days | £84 | £145 | £168 |
| Up to 15 days | £87 | £150 | £173 |
| Up to 17 days | £91 | £154 | £177 |
| Up to 19 days | £94 | £160 | £183 |
| Up to 21 days | £98 | £168 | £191 |
| Up to 23 days | £101 | £177 | £200 |
| Up to 30 days | £110 | £197 | £220 |
| European Ocean Cruising | |||
| Up to 4 days | £41 | £62 | £72 |
| Up to 8 days | £56 | £79 | £89 |
| Up to 10 days | £61 | £84 | £94 |
| Up to 13 days | £67 | £90 | £100 |
| Up to 16 days | £79 | £104 | £124 |
| Up to 18 days | £82 | £107 | £127 |
| Up to 20 days | £85 | £111 | £131 |
| America, Canada and Caribbean Ocean Cruising | |||
| Up to 13 days | £84 | £145 | £168 |
| Up to 16 days | £89 | £152 | £175 |
| Up to 18 days | £93 | £157 | £180 |
| Up to 20 days | £96 | £164 | £187 |
| Worldwide (excl. America, Canada and Caribbean) Ocean Cruising | |||
| Up to 9 days | £69 | £119 | £139 |
| Up to 13 days | £73 | £126 | £146 |
| Up to 18 days | £86 | £137 | £156 |
| Up to 20 days | £90 | £142 | £162 |
| Up to 22 days | £94 | £150 | £170 |
| Up to 29 days | £99 | £162 | £182 |
| Europe - River Cruise | |||
| Duration | Aged 64 or under | Aged 65 to 69 | Aged 70 to 85 |
| Up to 7 days | £37 | £72 | £82 |
| Up to 9 days | £42 | £82 | £92 |
| Up to 19 days | £54 | £106 | £126 |
Premiums for extended stays over 30 days are per week or part thereof:
| UK, Europe & Worldwide | America, Canada, Cuba & Mexico & the Caribbean | |
|---|---|---|
| Aged 64 or under: | £20 | £23 |
| Aged 65 to 69: | £42 | £48 |
| Aged 70 to 85: | £52 | £60 |
We regret that Europ Assistance are unable to provide insurance for any customer aged 86 and over at the date of booking.
Children’s Reductions:
We are pleased to offer a 50% reduction on the insurance premium for children aged 12 - 15 years inclusive (please advise at the time of booking). All Premiums include Government imposed 17.5% Insurance Premium Tax.
Avoid the Excess for £9
The policy excesses are applied per person and for each separate part of any claim. These excesses can quickly mount up to become a significant sum. If you add just £9 per person to the premiums shown, you will avoid any excesses being applied.
Annual Multi Trip Insurance
If you are a frequent traveller, aged 75 or under, and are interested in an annual insurance policy, Holiday Extras will be pleased to offer you an individual quotation. Please ring them direct on 0871 360 2755. When comparing quotations be careful to check like-for-like cover.
