Travel Insurance Discussion Area

bennyvdb

Hope this will fit in? It's the policy doc.:-
This is a summary of the policy and does not contain the full terms and conditions of the cover, which
can be found in the policy document. It is important that you read the policy booklet carefully.
Name of insurer
The insurer of this policy is Norwich Union Insurance Limited.
The Legal Expenses section of this policy is insured by Brit Insurance Limited.
Type of Insurance and cover
The smilemore Travel Insurance protects you, the first named account holder and your spouse or partner
or children up to 22 years of age if they are accompanying you, on a holiday up to a maximum of
45 days duration. Winter Sports cover is limited to a total of 21 days in any 12 month period. If the
account is held in joint names the second named account holder can travel independently with children.
Holidays must commence within the period of insurance. This policy is also valid for holidays
in the UK provided you stay at least two consecutive nights in pre-booked holiday accommodation.
Pre-existing Medical Conditions
It is important you tell the insurer at the start date of this insurance and/or date of booking the holiday
if any insured person, your travelling companion or any person upon whom the travel plans would
depend e.g. a relative or business associate, suffer from a medical condition which could cause you
to cancel the holiday or which may result in a claim. If you do not provide this information, the insurer
may not pay claims due to these medical conditions.
Significant features and benefits
Your policy includes the following features and benefits, which are explained in detail in your policy booklet:
Covers (limits mentioned apply per person)
Baggage up to £1,500 – cover for loss of or damage to your personal belongings (limits apply to
single articles and valuables).
Personal Money up to £500 – cover for loss of your personal money including cash,
travellers’ cheques and travel tickets (limit of £250 applies for cash).
Personal Accident up to £25,000 – a benefit is paid for death or loss of limbs/sight or permanent
total disablement following accidental injury during the holiday. Reduced benefits apply to persons
under 16 years or over 70 years of age.
Cancellation Charges up to £3,000 – refund of pre-paid travel and accommodation costs should
you have to cancel the holiday due to any of the reasons stated in your policy booklet.
Emergency Medical and Associated Expenses up to £10,000,000 – payment of expenses for
emergency medical treatment outside the UK following accidental injury or illness during the holiday.
Repatriation to the UK, and other necessary travel and accommodation and associated expenses are
included. Please see the policy booklet for full details of what is covered.
24hr Worldwide Emergency Medical Service – you may use our 24-hour Worldwide Emergency
Medical Service for immediate help during the holiday with any emergency medical situation you have
when outside the UK.
The Co-operative Bank smilemore
Travel Insurance Policy Summary
Hospital Benefit up to £500 – the insurer will pay £25 per day if you are admitted as an
in-patient to a licensed hospital outside the UK due to accidental bodily injury or illness occurring
during the holiday.
Abandonment of Holiday up to £3,000 – proportionate refund of pre-paid travel and accommodation
costs should you have to abandon the holiday due to any of the reasons stated in your policy booklet.
Personal Liability up to £2,000,000 – cover for your legal liability if you cause accidental injury or
death to third parties or damage to their property during the holiday.
Delayed Departure up to £100 – compensation if the aircraft, ship, coach or train in which you
are booked to travel is delayed on its international departure from or to the United Kingdom. Also
provides cover up to £3,000 if you abandon any holiday after being delayed in the United Kingdom for
more than 24 hours.
Legal Expenses up to £25,000 – cover for legal costs incurred following your personal injury or death
caused by a third party during the holiday.
Replacement Passport up to £250 – compensation towards additional travel and accommodation costs
incurred outside the United Kingdom for replacing your passport if it is lost or stolen during the holiday.
Ski Equipment – cover up to £400 if ski equipment owned or hired by you is lost, stolen or
accidentally damaged during the holiday. £50 per week for emergency hire of replacement ski
equipment to maximum of £150. See policy booklet for replacement or repair payment scales.
Piste Closure – the insurer will pay you £25 per day compensation or for additional travel costs
incurred by you up to a maximum of £250.
Unused Ski Pack – if you are accidentally injured or become ill during the holiday and are unable to
take part in any skiing activity, the insurer will refund you for your unused ski pack for £50 per week
up to a maximum of £150.
Leisure and Winter Sports Activities - you are automatically covered for certain activities but only if
undertaken as a recreational resort activity – for a full description of the activities you are covered for,
please see details in your policy booklet.
Travel Assistance – provides travel advice on a range of topics and offers other additional services.
Significant and Unusual exclusions or limitations
Your policy excludes some situations. Please refer to the exclusions under each section of the policy
booklet and the General Exclusions and Conditions. Your policy excludes:
• The first part of any claim. This is known as the ‘excess’. For most types of claims the excess is
£50 per person. Please refer to the policy booklet for full details.
• The policy cover will only operate if you are a resident of the UK and under 80 years of age at the
start of the period of insurance (65 years of age for Winter Sports).
• If you cancel your smilemore Account mid term or cease to pay the monthly subscription all cover
will cease from the expiry date of the subscription whether or not you are on holiday at the time.
• Baggage and Personal Money Claims:
- if a loss is not reported to the police within 24 hours
- loss of valuables or money from a suitcase in transit by air and outside of your control
- if property is stolen from an unattended vehicle (unless secured in a locked boot or luggage
space and out of view)
- for pedal cycles or contact lenses.
• Cancellation, Medical Expenses or Abandonment claims for:
- a medical condition where you travel against the advice of a qualified medical practitioner
- a serious, chronic or recurring medical condition of any insured which has required consultation or
treatment during the 12 month period before booking the holiday unless accepted by the insurer
- any claims arising from a medical condition for which, at the time of booking the holiday,
you: are receiving in patient treatment or are on a waiting list for in-patient treatment, have
received a terminal prognosis, or are intending to get medical treatment during the holiday
- death, bodily injury, illness or disablement resulting from or connected with pregnancy or childbirth
where the expected date of birth is before, or within 10 weeks of, the completion of the holiday
- any anxiety state, depression or any other mental or nervous disorder diagnosed before the date
of booking the holiday.
• Medical Expenses, Abandonment or Personal Accident claims:
- arising from your participation or involvement in any work of any kind
- that results from your participation in dangerous sports and activities such as motorcycling on
machines over 125cc, mountaineering, bungee jumping, rafting or canoeing involving white water
rapids, potholing, racing, expeditions, crewing vessels between countries, ski jumping or ice hockey.
• Personal Liability claims arising out of:
- your trade, business or profession
- the ownership or occupation of land or buildings (except occupation of temporary holiday accommodation)
- the ownership, possession or use of animals, firearms, motorised vehicles, vessels or aircraft
- your participation in dangerous sports and activities.
• Delayed departure claims due to strike or industrial action existing or notified before booking the holiday.
• Legal Expenses, the insurer will only cover claims:
- which occur during the period of insurance
- which have reasonable prospects of succeeding.
The insurer will not pay any costs incurred before your claim has been accepted.
• Any specific exclusion or limitation, which we send to you in writing.
Duration of Policy
The policy will remain in force as long as you have a qualifying smilemore Account and continue to
pay the monthly account charge.
Cancellation Rights
This policy has been provided with your smilemore Account and can only be cancelled when the card
account is cancelled.
How to claim
For Medical Emergencies (Worldwide) call (+44) 1603 681144. For Legal Expenses call 0870 1539152
and other claims call (+44) 1603 681033 from abroad or 0870 1539151 from the UK.
Complaints
We hope that you will be very happy with the service we provide. However, if for any reason you are
unhappy with this, we would like to hear from you.
In the first instance, please contact The Customer Care Manager, The Co-operative Bank, 1 Balloon
Street, Manchester M60 4EP.
We are a member of the Financial Ombudsman Service. If you have complained to us and we have
been unable to resolve your complaint, you may then be entitled to refer it to this independent body.
Financial Services Compensation Scheme
The insurer is a member of the Financial Services Compensation Scheme (FSCS). If they are unable
to meet their obligations, you may be entitled to compensation from the scheme, depending on the
type of insurance and circumstances of any claim.
Norwich Union Insurance Limited. Registered in England Number 99122 Registered Office 8 Surrey Street Norwich NR1 3NG.
Member of the Aviva group. Authorised and regulated by the Financial Services Authority. Brit Insurance Limited, Registered Office:
55 Bishopsgate, London, EC2N 3AS. It is managed by Capita Assistance, a trading division of Capita Insurance Service Limited.
Brit Insurance Limited is authorised and regulated by the Financial Services Authority.

jdanvers

I have a good friend in the industry who informed me that insurers lose fortunes on senior travel insurance.

Most companies now limit their risk by excluding pre-existing conditions or restricting annual cover to Europe. He says sometimes the banks can be good but recommends I look for the newer players in the market who haven't yet built up a bad claims history and had to put up prices.

I use www.staysure.co.uk and would be interested to see if anyone else has found a cheaper budget policy that still includes most pre-existing conditions.

John (age 75)

bennyvdb

Thanks JD but Staysure quotes £500 for 2 for 4-6 months.
Whereas Smilemore is free!

jdanvers

Thanks Benny

I'll have a look but I'm worried that you're not reading the small print correctly.

Doesn't it state that the maximum trip duration is 45 days?

Therefore 4-6 months trip duration isn't covered, is it?

bennyvdb

Yep, you are right,but who stays away for 4-5 months?

The smilemore Travel Insurance protects you, the first named account holder and your spouse or partner
or children up to 22 years of age if they are accompanying you, on a holiday up to a maximum of
45 days duration.

HEART_BYPASSER

bluebelle wrote: »

We have travel insurance with a Natwest account too: I did have cover with my Lloyds TSB account but downgraded the account and so lost it. I would be curious to know if this is good cover, as it does appear to be having scanned the policy.

I was also curious as to why Martin had not mentioned these policies in his article as they do not appear to be unusual, although they do only seem to come with current accounts that have a monthly fee (unless in credit by X amount).

Any thoughts? This is my first post so be kind!!

BEWARE Nat West have from the 23rd of April 2007 stopped medical cover for all pre determind conditions on their ADVANTAGE GOLD accounts.

HEART_BYPASSER

HELP i have just been dumped by NAT WEST, Yes they have stopped cover on all pre determined heart conditions, this takes affect from 23rd April 2007on their ADVANTAGE GOLD accounts.I will give a short breakdown on my conditons and surgery undertaken.JUNE 2000 AORTIC ANEURYSM, OCTOBER 2000 TRIPLE HEART BYPASS.JULY 2004 I had cellullitis.JUNE 2007 I had a PACEMAKER/DEFIBRILLATOR fitted no problems.Is there anyone out there who can point me in the right direction for Holiday Insurance, by the way I am 60 years of age

loobydoo_2

I got my holiday covered with churchill for £16.

I then got £18 cashback with quidco.

So I got paid for taking out their policy.

Can't complain

Steve_xx

yonny wrote: »

Hi there, Im going out to Czech republic next week to undergo IVF treatment!
Is that classed as a pre existing medical condition? Should I mention it ?
Help!

No, I don't think it's classed as pre-existing. But, they probably won't want to insure you if you are travelling specifically for medical treatment.

moneysavingrob

Just got an email from www.travelinsuranceweb.com and they are offering a 15% discount on all annual policies. Which means annual in Europe for £20 and worldwide including USA for £32

It seems to be an offer for past customers and isn't on their website but if you use this link you get the discounted rate.

http://www.secure-insurance-web.com/tiw/?sourceCode=EM15MS

Happy holiday's!