Travel Insurance

It is a condition of travelling on our holidays that you must have comprehensive travel insurance that covers you for all of the activities you wish take part in.

To give you complete peace of mind, we have arranged exclusive travel insurance which has been designed to meet the needs of our holidays and the activities featured in this brochure.

To arrange cover simply indicate on the Booking Form or call our reservations team on 01737 214 250 for assistance. Should you decide not to purchase our insurance, you must indicate this on our Booking Form and provide us with details of your alternative insurers either on the Booking Form or with your final payment.

It is your responsibility to ensure that if you take out alternative insurance it covers all aspects of your holiday. The schedule below sets out the cover arranged by Discover the World who are appointed representatives of the underwriters, Travel & General Insurance Company plc, except for Section K (Legal expenses), which is underwritten by DAS Legal Expenses Insurance Company Limited. Both insurers are authorised and regulated by the Financial Services Authority.

ANNUAL MULTI-TRIP INSURANCE

If you travel more than twice a year or intend to go skiing in addition to this holiday, you are welcome to take advantage of our Annual multi-trip policy. This policy allows you to travel as many times a year as you wish, provided each trip does not exceed 31 days, and also includes 17 days of winter sports cover.

SINGLE TRIP STANDARD COVER
Premiums including insurance premium tax
Period	Europe	Worldwide
Up to 5 days	£21	£40
Up to 10 days	£24	£45
Up to 17 days	£29	£53
Up to 24 days	£34	£61
Up to 31 days	£39	£66
Up to 38 days	£43	£86
Up to 45 days	£53	£109
Up to 60 days	£68	£136
Up to 90 days		£172

SINGLE TRIP SKI COVER
Premiums including insurance premium tax
Period	Europe
Up to 5 days	£32
Up to 10 days	£36
Up to 17 days	£44

ANNUAL MULTI TRIP COVER
Premiums including insurance premium tax
	Europe	Worldwide
Adult	£55	£75
Family	£112	£150

THESE POLICIES COVER:

Children under the age of 2 – free if travelling with a T&G insured adult
Children aged 2-17 on the date of departure – half of the standard premium if travelling with a T&G insured adult
Single Trip Family rate - 2 times the standard premium (up to 2 adults + 4 children aged 2-17 on the date of departure)
Person aged 66-70 years on policy inception date – 2 times the standard premium
Single Trip Standard Cover for persons aged 71-75 years on policy inception date – 2½ times the standard premium
Annual multi-trip cover for persons aged 71-75 years on policy inception date - 3 times the standard premium
Additional cancellation cover - £30 per £1,000 to a maximum of £10,000
Excess waiver – £5 per person
Adventure Activities Extension - standard premium plus 50%

IN ADDITION THE ANNUAL MULTI TRIP INSURANCE COVERS:

Journeys up to 31 days
Adult members of the family to travel independently
Up to 17 days of winter sports

Terms and conditions apply for policies issued between 1 Oct 2009 and 30 Sep 2010.

INSURED ACTIVITIES

For a detailed list of insured activities, click here »

Please refer to your Discover the World Travel Insurance Policy Wording booklet for detailed information, which may be viewed online. The booklet will be posted to you after you have confirmed you will be purchasing our insurance.

SCHEDULE OF COVER		SUM INSURED PER PERSON
A	Cancellation charges	Up to £5,000
B	Curtailment charges	Up to £5,000
C	Emergency medical repatriation and associated expenses abroad Search and rescue Hospital benefit	Up to £5,000,000 Up to £50,000 £20 for each 24hr period to a max of £500
D	Emergency assistance in the UK	Up to £2,000
E	Personal accident	Up to £25,000 (age limits apply)
F	Delayed Departure Travel Delay Delayed Departure Abandonment Missed departure Missed connection	£20 for first 12hrs and £10 each subsequent 12hrs to a max of £500 Up to £5,000 Up to £1,000 Up to £1,000
G	Baggage Single item limit Valuables limit Delay baggage (after 12 hours) Travel documents	Up to £2,500 £400 £500 Up to £200 Up to £500
H	Personal money	Up to £300
I	Hijack	£50 for each 24hr period to a max of £500
J	Personal liability	Up to £2,000,000
K	Legal expenses	Up to £25,000
'L' applies to Single Trip Ski Cover, Annual Multi-trip and Winter Sports Extension
L	Own ski equipment (single item limit) Ski equipment hire Hired ski equipment Ski pack Piste closure Delay due to avalanche	Up to £1000 £400 Up to £500 Up to £500 Up to £450 £20 per day up to a max of £400 Up to £500

IMPORTANT DECLARATION

An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Therefore any facts known to you, which could possibly result in you having to make a claim, must be disclosed otherwise you may not be covered. In particular, you must be able to make the following declaration (the legal guardian must make the declaration for anyone under the age of 18 years old):

1) I have not received treatment, including regular medication, within the last 12 months for any condition, nor at any time for any heart related or cancerous condition;

2) I have not been seen by a specialist nor been admitted to a hospital overnight in the last 12 months (other than for regular check ups);

3) I have not been diagnosed by a registered general practitioner as having a terminal condition;

4) I am not waiting for, nor have the knowledge of, the need for an operation, hospital consultation nor any other treatment (including regular medication) nor investigations including the results of a routine test;

5) I do not have any pre-existing and on-going medical condition(s) that could reasonably be anticipated to give rise to a complication needing medical intervention prior to or during a journey (if in doubt check with your general practitioner);

6) I am not aware of anybody for whom I would be covered for cancellation and curtailment, such as immediate family or travelling companions, suffering from any pre-existing medical condition(s) that may cause me to cancel or cut short my journey;

7) I do not know of circumstances that could be reasonably expected to give rise to a claim under this policy.

If you cannot make this declaration when you take out the insurance, you must contact Healthcheck on 0845 408 0585.

A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered, and that all activities that you may wish to participate in are included. If it does not meet your requirements, please return the policy, proof of premium paid and any other relevant documents to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

Policies are available for UK and Republic of Ireland residents only.

Failure to comply with the terms and conditions of the policy may result in cover being restricted.

Call 01737 214 250

As destination specialists we pride ourselves on our ability to tailor-make any holiday to suit you. If you would like us to adapt or create an itinerary to your personal requirements then contact us today.

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