Cover types
| Cover | Limit | Excess |
|---|---|---|
| Medical Expenses (includes emergency assistance service) | £10,000,000 | £50 per person (£100 per family) |
| UK Hospital Transfer and Additional Costs | ||
| a) Hospital Transfer costs | £5,000 | |
| (b) Return Home Costs | £2,500 | £50 per person (£100 per family) |
| (c) Additional Costs |
£500 | |
| Cancellation or Curtailment | £5,000 | £50 per person (£100 per family) reduced to £15 per person for loss of Deposit (£45 per family) |
| Personal Accident (Limited to £1,000 for persons aged under 16 years) | £25,000 | Nil |
| Personal Baggage (if shown as included on policy certificate) (limit per single article, pair or set £400) | £2,000 | £50 per person (£100 per family) |
| Personal Money (if shown as included on policy certificate) | £500 | £50 per person (£100 per family) |
| Loss of UK Passport | £400 | £50 per person (£100 per family) |
| Personal Liability | £2,000,000 | £50 per person |
| Delayed Baggage | £250 | Nil |
| Travel Delay | ||
| a) Compensation (£50 after 12 hours delay with £25 for each subsequent 12 hours delay up to Limit) | £300 | Nil |
| b) Cancellation (if insured wants to cancel after 24 hours delay on initial outward leg of journey) | £5,000 | Nil |
| Missed Departure | £1,000 | £50 per person (£100 per family) |
| Hospitalisation / Unprovoked Assault / Hijack and Kidnap benefit | £1,000 | Nil |
| Catastrophe (£50 for each full period of 24 hours up to limit) | £500 | Nil |
| Loss of Pet Documentation | £500 | £50 per person |
| Seat Bumping | £200 | Nil |
| Legal Expenses (underwritten by DAS) | £50,000 | Nil |
| Financial Failure Insurance (Provided by International Passenger Protection) | £5,000 | Nil |
| OPTIONAL WINTERSPORTS COVER (if additional wintersports extension premium paid and shown as included on your policy certificate) | ||
| Ski Equipment (limit £250 for hired Ski Equipment) | £500 | £50 per person (£100 per family) |
| Ski Equipment Hire Charge | £250 | Nil |
| Piste Closure (limited to trips between 15th November to 15th April, per day limit applies) | £250 | Nil |
| Unused Ski pack | £250 | Nil |
Medical & other expenses
Your travel policy will provide cover for expenses incurred in respect of:
- Hospital and Medical expenses – surgical fees, "emergency" dental treatment (i.e. essential, emergency medical treatment rather than planned/scheduled treatment such as a face-lift or other cosmetic surgery)
- Additional hotel or travelling expenses – incurred as a result of the patient’s accident or illness, by the patient or by a member of their family, friends or nurses travelling with them. This can extend to the cost of someone flying out to the patient and staying with them if the insured was travelling or on holiday alone.
- Repatriation costs – The cost of repatriating the patient (returning to the UK)and the member’s of their family, friend or nurses travelling with them to the UK. This includes the use of an air ambulance.
- Additional expenses – Other additional expenses such as the cost of sending a doctor to accompany the patient on the return journey if that is deemed necessary.
- Costs to return home – The cost of having to return home if a close relative or business associate at home dies, or suffers illness or serious injury is often covered – depending on your policy.
UK Hospital Transfer & additional Costs / Expenses
If you and your group are on holiday in the UK and one of the insured is admitted to the local hospital, the policy will cover costs for him/her to be transferred to a hospital closer to where they live.
Cancellation or Curtailment
If you are forced to cancel your holiday or cut it short (curtailment), you might lose the deposit paid when you booked your holiday. Alternatively, you may incur additional costs if you are forced to return home before the end of the holiday. Our travel policies will often provide cover in these events.
Personal Accident
Our travel policies often provide cover for and pay a cash sum in the event of accidental injury resulting in:
- Death
- Loss of limbs
- Loss of sight
- Permanent total disablement
Personal Baggage
Your policy covers belongings against accidental loss, theft or damage that are owned by the insured and have been taken on holiday. You are also covered for items purchased whilst on holiday. Belongings are often defined as baggage, clothing, personal effects and valuables (such as photographic equipment, video equipment, jewellery, furs, personal stereos or computers). We usually set a limit for a single article limit.
Personal Money
You are covered for accidental loss of personal money providing that the insured reports the loss to Police within 24 hours.
Loss of UK Passport
You are covered for additional travel and accommodation costs incurred while obtaining a replacement if the insured loses their passport whilst abroad.
Personal Liability
Your policy will provide compensation if the insured person becomes legally liable for costs relating to accidental injury to a third party or accidental damage to a property.
For example;
if you are riding on a bicycle and accidentally collide with a third party and they sue you for their injuries, the policy will pay out for legal costs incurred up to policy limit
Delayed Baggage
Your travel policy will pay up to £250 in total for the emergency purchase of essential items of clothing and personal provisions.
Travel Delay
Cover is provided if the insured’s plane, boat or land transport for their outward or return trip is delayed through mechanical breakdown, adverse weather conditions, industrial action, etc. Payment is normally based on a set amount for the first 12 hours and then each subsequent 12 hours that they are delayed.
Missed departure
Should you (or any of the insured) fail to reach the departure point/location by the scheduled time and then miss their transport (either on the outward or return journey) you/they are likely to incur extra accommodation and travel expenses. We will provide cover for these expenses if the reason for failing to reach the departure point on time is due to the failure of public transport or mechanical failure or an accident involving the mode of transport in which they were travelling.
Hospitalisation / Unprovoked Assault / Hijack and Kidnap Benefit
In the event that you, the Insured Person is hospitalised as a direct result of a malicious and unprovoked assault by any person.
Catastrophe
You are covered if the insured individual or group is forced to move from the accommodation booked in advanced due to an emergency.
Loss of Pet Documentation
You are covered for the replacement costs and reasonable additional accommodation quarantine, storage and travel expenses incurred as a direct result of the loss of pet travel documentation.
Seat Bumping
If you are booked on a scheduled flight but find that your seat is unavailable due to overbooking by the airline or carrier your policy will compensate you up to the sum of £200.
Legal Expenses
If an insured person suffers bodily injury or death caused by the fault of someone else whilst abroad, they or their relatives might have a legal right to pursue the person or organisation responsible.
For example;
If you injured yourself after slipping on a floor in a hotel, which was wet due to a leak on a faulty vending machine, you could pursue your rights against, and obtain compensation from, the third party responsible. Any legal costs occurred would be covered.
Medical screening
All travel policies issued by JLT Travel Insurance automatically exclude any pre-existing medical conditions relating to all people named on the policy schedule, their relatives, their travelling companions and anyone that their travel is dependant on. The Insurer will consider accepting medical conditions providing that all conditions are disclosed to the Insurer and this is done by the policyholder contacting the Medical Screening Team (as stated in the policy wording) .
The Medical Screening team will ask the policyholder a set of questions relating to the pre-existing conditions and provide an immediate answer as to whether the condition(s) disclosed will be covered. The Medical Screening team will then provide the Policyholder a reference number (i.e. TMS4-123456) and will send an endorsement to the policy schedule direct to you - the policyholder. You can then add the medical reference number to the policy schedule.
Claims Handling
All claims are handled by a trusted third-party who is commissioned by the Insurer. The details are stated in the policy wording.
Cancelling a policy
You - as the Policyholder - are entitled to cancel your travel insurance policy for a full refund (excluding any administration fee charged) within 14 days of issue providing that no claims have been made against the policy and no other person named on the policy has travelled. If a cancellation is requested, you - the Policyholder - must put the cancellation in writing returning all documentation (as stated on the policy covering letter). If a policy is not cancelled within the 14 day 'cooling off' period, you are not entitled to a refund.
Personal belongings
Our policy will usually provide compensation in the event that the insured personal belongings are lost in transit (e.g. airline) providing that a written report is obtained from the carrier. Compensation is normally staggered at a rate set for each 12 hours that the insured is without his/her belongings.
Restricted enjoyment benefit
Our policy provides cover in the event that the insured are hospitalised/ falsely arrested/ unlawfully detained against their will. Claims under this section are normally staggered per 24 hours that the insured are restricted.
Typical policy conditions
- All material facts must be disclosed to the Underwriters (a material fact influences an insurer on whether or not to issue a policy, and on what terms)
- The insured must exercise reasonable care to prevent accident, injury, loss or damage and at all times act as if uninsured
- Any occurrence or loss that may give rise to a claim should be advised as soon as practicable to the Insurer. Sometimes there is a specific time limit, e.g. within 30 days
Typical policy exclusions
- Loss of luggage due to confiscation by the authorities
- Loss or theft of property left unattended in a public place
- Loss or theft of property not reported to the Police, and / or the airline (where appropriate) where possible within 24 hours of discovery
- Loss or theft of unattended money, except when left in hotel security, safety deposit or safe
- Death, bodily injury or sickness arising from medical or surgical treatment (unless rendered necessary by accidental bodily injury or sickness). Therefore only essential, emergency medical treatment is covered rather than planned/scheduled treatment such as a face-lift or other cosmetic surgery
- Death, bodily injury or sickness attributable to HIV or AIDS, alcoholism or drug abuse
- Death, bodily injury or sickness as a result of taking part in any hazardous/ or dangerous sport, pursuit or activity
- Death, bodily injury or sickness from suicide or any self inflicted injury
- Death, bodily injury or sickness due to pregnancy where the pregnancy is beyond a certain stage (e.g. 28 to 32 weeks), childbirth or insanity
- Any expenses incurred as a result of a tropical disease where the recommended inoculations have not been undertaken