Key Sections of Cover Explained
Key Sections of Cover - General Definitions
Below is a summary list of the definitions, for the full list please see the Policy Wording
Accident
An unexpected and unintended event that causes injury, property damage or both.
Accommodation
A hotel or any other kind of lodging for which you make a reservation or where you stay and incur an expense.
Baggage
Personal property you take with you or buy on your trip.
Cohabitant
A person you currently live with and have lived with for at least 12 consecutive months and who is at least 18 years old.
Country of residence
The country where you have your primary residence.
Covered reasons
The specifically named situations or events for which you are covered under this policy.
Departure date
The date on which you are originally scheduled to begin your travel, as shown on your travel itinerary.
Doctor
Someone who is legally authorised to practise medicine or dentistry and is licensed if required. This cannot be you, a travelling companion, your family member, a travelling companion’s family member, the sick or injured person or that person’s family member.
Epidemic
A contagious disease recognised or referred to as an epidemic by a representative of the World Health Organization (WHO) or an official government authority.
Family member
Your:
- Spouse (by marriage, domestic partnership or civil union);
- Cohabitants;
- Parents and stepparents;
- Children, stepchildren, foster children, adopted children or children currently in the adoption process;
- Siblings;
- Grandparents and grandchildren;
- The following in-laws: mother, father, son, daughter, brother, sister and grandparent;
- Aunts, uncles, nieces and nephews;
- Legal guardians and wards; and
- Paid, live-in caregivers.
High value items
Collectibles, jewellery, watches, gems, pearls, furs, musical instruments, professional audio equipment, binoculars, telescopes, sporting equipment, radios, robots and other electronics, including parts and accessories for the aforementioned items.
Mechanical breakdown
A mechanical issue, which prevents the vehicle from being driven normally, including an electrical issue, flat tyre or running out of fluids (except fuel).
Medical escort
A professional person contracted by our medical team to accompany an ill or injured person while they are being transported. A medical escort is trained to provide medical care to the person being transported. This cannot be a friend, travelling companion or family member.
Medically necessary
Treatment that is required for your illness, injury or medical condition, consistent with your symptoms and can safely be provided to you. Such treatment must meet the standards of good medical practice and is not for your or the provider’s convenience.
Natural disaster
A large-scale extreme weather or geological event that damages property, disrupts transportation or utilities, or endangers people, including without limitation: earthquake, fire, flood, hurricane or volcanic eruption.
Pandemic
An epidemic that is recognised or referred to as a pandemic by a representative of the World Health Organization (WHO) or an official government authority.
Personal money
Any of the following that are held for personal and not business purposes: cash, postal or money orders, current postage stamps, traveller’s cheques, admission tickets, travel tickets, coupons, gift cards or vouchers which have a monetary value.
Political risk
Any kind of events, organised resistance or actions intending or implying the intention to overthrow, supplant or change the existing ruler or constitutional government, including but not limited to:
- Nationalisation;
- Confiscation;
- Expropriation (including Compulsory Purchase Orders, Selective Discrimination and Forced Abandonment);
- Deprivation;
- Requisition;
- Revolution;
- Rebellion;
- Insurrection;
- Civil commotion assuming to proportion of or amounting to an uprising;
- Military and usurped power.
Primary residence
Your permanent home address for legal and tax purposes either in the UK, Isle of Man or Channel Islands.
Pre-existing medical condition
Any disease, illness or injury, including any psychological conditions that you or any insured person(s) are, or have, suffered from at the time of purchasing this policy or booking a trip.
Please refer to the ‘Health Declaration and Health Exclusions’ section for further details.
Quarantine
Mandatory involuntary confinement by order or other official directive of a government, public or regulatory authority, or the captain of a commercial vessel on which you are booked to travel during your trip, which is intended to stop the spread of a contagious disease to which you or a travelling companion have been exposed.
Return date
The date on which you are originally scheduled to end your travel, as shown on your travel itinerary.
Severe weather
Hazardous weather conditions including, but not limited to: windstorms, hurricanes, tornados, fog, hailstorms, rainstorms, snow storms or ice storms.
Terrorist event
An act carried out by an organised terrorist group, which has been recognised as terrorism by the government authority in your country of residence that injures people or damages property to achieve a political, ethnic or religious result. It does not include general civil protest, unrest, rioting or acts of war.
Travel carrier
A company licensed to commercially transport passengers between destinations for a fee by land, air or water. It does not include:
- Rental vehicle companies;
- Private or non-commercial transportation carriers;
- Chartered transportation, except for group transportation chartered by your tour operator; or
- Local public transportation.
Travel supplier
A travel agent, tour operator, airline, cruise line, hotel, railway company or other travel service provider.
Travelling companion
A person or service animal travelling with you or travelling to accompany you on your trip. A group or tour leader is not considered a travelling companion unless you are sharing the same room with the group or tour leader.
Trip
Your travel originally scheduled to begin on your departure date and end on your return date to, within and/or from a location:
- at least 60 miles away from your primary residence; or
- abroad; and
- outside your city/town of residence, provided that your travel includes an overnight stay.
It cannot include travel with the intent to receive health care or medical treatment of any kind, or moving, or commuting to and from work.
In the event of a claim you must be able to provide evidence of a return ticket.
No trip can last longer than the maximum number of days allowed according to your policy type, age and destination. See definition 'period of cover' for further information.
We, Us or Our
Allianz Assistance, acting on behalf of the insurer - AWP P&C SA.
You or Your
All persons listed as being insured on the policy certificate.
Key Sections of Cover
Section A - TRIP CANCELLATION
If your trip is cancelled or rescheduled for a covered reason listed, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees and change fees (less any available refunds), up to the maximum benefit for ‘Trip Cancellation’ shown in the ‘Cover Summary’ less the excess. Please see the Policy Wording for full terms and conditions
Section B – TRIP INTERRUPTION
If you have to interrupt your trip or end it early due to one or more of the covered reasons listed, we will reimburse you, less available refunds, up to the maximum benefit for ‘Trip Interruption’ shown in the ‘Cover Summary’. Please see the Policy Wording for full Terms and Conditions.
Section C – TRAVEL DELAY
If your or a travelling companion’s trip is delayed for one of the covered reasons listed, we will reimburse you for the expenses, less available refunds, up to the maximum benefit for ‘Travel Delay’ shown in the ‘Cover Summary’: Please see the Policy Wording for full Terms and Conditions.
Section D - BAGGAGE
If your baggage is lost, damaged or stolen while you are on your trip, we will pay you, less available refunds, the lesser of the following, up to the maximum benefit for ‘Baggage’ as shown in the ‘Cover Summary’:
- Cost to repair the damaged baggage; or
- Cost to replace the lost, damaged or stolen baggage with the same or similar item, reduced by 10% for each full year since the original purchase date, up to the maximum of 50% reduction.
Please see the Policy Wording for full Terms and Conditions.
Section E - BAGGAGE DELAY
If your baggage is delayed by a travel supplier during your trip, we will reimburse you for expenses you incur for the essential items you need until your baggage arrives, up to the maximum benefit for ‘Baggage Delay’ shown in the ‘Cover Summary’. Please see the Policy Wording for full Terms and Conditions.
Section F - EMERGENCY MEDICAL/DENTAL COVER ABROAD
If you receive emergency medical or dental care while you are on your trip abroad for one of the covered reasons, we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit for ‘Emergency medical/dental cover abroad’ shown in the ‘Cover Summary’ (dental care is subject to the maximum sublimit listed for ‘Dental Care’):
- While on your trip abroad, you have a sudden, unexpected illness, injury or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- While on your trip abroad, you have a dental injury or infection, a lost filling or a broken tooth that requires immediate treatment.
<If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of the Emergency medical/dental cover abroad section.
Please see the Policy Wording for full Terms and Conditions.
Section G - EMERGENCY TRANSPORT
If you become seriously ill or injured or develop a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19) while on your trip, we will pay for local emergency transportation from the location of the initial incident to a local doctor or local medical facility. If we determine that the local medical facilities are unable to provide appropriate medical treatment. Please see the Policy Wordingfor full Terms and Conditions.
Section H - PERSONAL LIABILITY
IMPORTANT: If you are hiring or using a motorised or mechanical vehicle or machinery while on your trip, you must make sure that you get the necessary insurance from the hire company or owner. We do not cover this under our policy.
If you are legally liable for something you do that results in one of the following, we will pay up to the maximum benefit for ‘Personal Liability’ shown in the ‘Cover Summary’, plus any other costs we agree to in writing:
- Bodily injury to any person, except you, a family member or a travelling companion.
- Loss of or damage to property which you do not own and which you or a family member have not hired, loaned or borrowed.
- Loss of or damage to the accommodation you are using on your trip that does not belong to you or a family member.
Please see the Policy Wording for full Terms and Conditions.
Section I - TRAVEL ACCIDENT
If you have an accident during your trip that causes physical bodily injury to you, we will pay you or your personal representatives up to the amount for ‘Travel Accident’ shown in the ‘Cover Summary’ if the accident results in one of the following:
- your death within a year of the accident; or
- your permanent disability (including permanent loss of your sight or loss of use of a hand or foot) within three months of the accident.
Please see the Policy Wording for full Terms and Conditions.
Section J - TRAVEL SERVICES DURING YOUR TRIP
If you need medical information services during your trip, our Emergency Assistance team is available. With our global reach and multi-lingual staff, we are here to help you. Please see the Policy Wording for full Terms and Conditions.
Section K - LOSS OF TRAVEL DOCUMENTS
If your passport or visa is lost, stolen or destroyed while you are on your trip, we will reimburse you, up to the maximum benefit for ‘Loss of Travel Documents’ shown in the ‘Cover Summary’ for the following:
- the cost of your necessary extra travel and accommodation expenses as well as administration costs for the issuing of the emergency passport and/or visa you need to continue your trip or return to your primary residence; and
- the equivalent cost (based on the current standard replacement costs) of the period remaining on your passport that is lost or has been stolen or destroyed.
Please see the Policy Wording for full Terms and Conditions.
Section L - PERSONAL MONEY
If your personal money is lost or stolen while you are on your trip, we will reimburse you, up to the maximum benefit for ‘Personal Money’ shown in the ‘Cover Summary’ (but no more than the amount for ‘Cash’ in total shown in the ‘Cover Summary’, whether jointly owned or not). Please see the Policy Wording for full Terms and Conditions.
Section M - LEGAL EXPENSES
If you die, fall ill or are injured during your trip and you (or your personal representative) take legal action against a third party to claim damages or compensation for negligence, we will do the following:
- Nominate an appointed adviser to act for you. This could be a solicitor or a suitably qualified person or company (including us). If you and we cannot agree on an appointed adviser, the matter can be referred to an alternative resolution facility.
- Pay legal costs of up to the amount shown in the Cover Summary for you (but not more than twice this amount in total for all people insured under this policy) for each event giving rise to a claim.
Please see the Policy Wording for full Terms and Conditions.
See the Policy Wording for full Terms and Conditions.
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