Travel insurance offer: great prices, flexible medical
What's covered?
This policy summary does not contain the full terms and conditions of the cover. Full terms and conditions can be found in the policy document. Club Together travel insurance is arranged through Rock Insurance brokers and underwriten by Europ Assistance.
Insurer
The insurer of this policy is Europ Assistance Holding Irish Branch. Benefits and services under this policy are provided by Europ Assistance Holdings Limited.
Type of insurance and cover provided
This is a policy of personal travel insurance which provides cover, subject to certain terms and conditions, for losses as a result of specified events which may occur before or during a trip including cancellation, loss of baggage and medical expenses.
This is personal travel insurance.
Statement of Demands & Needs
This product meets the demands and needs of those who wish to recover the cost of emergency medical expenses and other specified losses that could occur while you are travelling. You will not receive advice or recommendation from us in relation to this policy. You will need to make your own decision as to whether it suits your needs.
Eligibility requirements
To be eligible for this insurance, the following requirements must be met:
Significant features and benefits
Your policy includes the following benefits which are explained in detail in the policy document:
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
1. Pre-travel Advice
Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.
|
£250
|
Nil
|
£250
|
Nil
|
£250
|
Nil
|
|
2. Medical Emergency & Repatriation
If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the Home country.
|
£3,000,000
|
£100
|
£5,000,000
|
£85
|
£10,000,000
|
£60
|
|
3. Emergency Dental Treatment
We will pay for the cost of providing temporary treatment for the immediate relief of pain
|
£250
|
£100
|
£250
|
£85
|
£250
|
£60
|
|
4. Additional Accommodation & Travelling Costs
We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home
|
£250
|
Nil
|
£500
|
Nil
|
£1,000
|
Nil
|
|
5. Hospital Daily Benefit
We will pay you a daily benefit per complete 24 hours of in-patient treatment up to a maximum amount.
|
N/A
|
N/A
|
N/A
|
N/A
|
£25 per complete 24 hours of inpatient treatment: maximum £1,000
|
Nil
|
|
6. Cancellation, Curtailment & Trip Interruption
We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the Home country because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12-hour delay.
|
£500
|
£100/£10 Loss of Deposit
|
£1,500
|
£85/£10 Loss of Deposit
|
£5,000
|
£60/£10 Loss of Deposit
|
|
7. Travel Delay
If Your Outward journey is delayed for more than 12 hours:
7.1 We will pay a benefit for each 12 hours up to the maximum amount.
7.2 Provides Cancellation cover as outlined in section 6.
7.3 We will pay for a replacement ticket to reach your destination
|
N/A
N/A
N/A
|
N/A
N/A
N/A
|
£10 for each full 12 hour delay: maximum £100
£,1500
£500
|
Nil
£85
Nil
|
£20 for each full 12 hour delay: maximum £300
£5,000
£1,500
|
Nil
£60
Nil
|
|
8. Departure Assistance & Missed Connection
We will pay for costs incurred should you miss your connection.
|
N/A
|
N/A
|
£500
|
Nil
|
£1,000
|
Nil
|
|
9. Missed Departure on your Outward Journey
We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.
|
N/A
|
N/A
|
£500
|
Nil
|
£1,000
|
Nil
|
|
10. Personal Luggage
If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation).
|
£200
|
£100
|
£1,000
|
£85
|
£2,000
|
£60
|
|
|
£100
|
£100
|
£150
|
£85
|
£200
|
£60
|
|
Valuables Limit
Limited to £100 if Insured Person is under 18)
|
£100
|
£100
|
£150
|
£85
|
£200
|
£60
|
|
11. Luggage Delay on your Outward Journey
We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey
|
N/A
|
N/A
|
£50 per complete 24 hours: maximum £150
|
Nil
|
£50 per complete 24 hours: maximum £150
|
Nil
|
|
12. Money & Passport
We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box.
If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it.
|
|
|
|
|
|
|
|
|
£100
|
£100
|
£100
|
£30
|
£200
|
£30
|
|
|
N/A
|
N/A
|
£150
|
£85
|
£200
|
£60
|
|
13. Personal Liability
If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims
|
£2,000,000
|
£100
|
£2,000,000
|
Nil
|
£2,000,000
|
Nil
|
|
14. Personal Accident
Covers you for loss of life, limb or sight that occurs during the trip after an accident.
|
|
|
|
|
|
|
|
|
£10,000
|
Nil
|
£10,000
|
Nil
|
£10,000
|
Nil
|
|
|
£1,000
|
Nil
|
£2,500
|
Nil
|
£2,500
|
Nil
|
|
|
£10,000
|
Nil
|
£10,000
|
Nil
|
£25,000
|
Nil
|
|
|
£10,000
|
Nil
|
£10,000
|
Nil
|
£25,000
|
Nil
|
|
|
£1,000
|
Nil
|
£2,500
|
Nil
|
£2,500
|
Nil
|
|
15. Legal Protection
If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.
|
£10,000
|
£200
|
£15,000
|
£200
|
£25,000
|
£200
|
|
16. Mugging
We will pay you a benefit if you have been hospitalised if you sustain actual bodily injury as a result of a mugging attack.
|
N/A
|
N/A
|
£20 per complete 24 hours of inpatient treatment: maximum
£200
|
Nil
|
£40 per complete 24 hours of inpatient treatment: maximum £400
|
Nil
|
|
17. Hijack
Covers you if your aircraft or sea vessel is hijacked for more than 24 hours.
|
N/A
|
N/A
|
N/A
|
N/A
|
£100 per complete 24 hours: maximum £1,000
|
Nil
|
|
18. Disaster
We will pay for the costs of providing other similar accommodation if your booked accommodation cannot be lived in.
|
N/A
|
N/A
|
N/A
|
N/A
|
£1,000
|
£60
|
|
19. Withdrawal Of Services
Covers you if you are without water, gas or electricity for more than 60 hours.
|
N/A
|
N/A
|
£25 per complete 24 hours: maximum £250
|
Nil
|
£25 per complete 24 hours: maximum £500
|
Nil
|
|
20. Domestic Pets
If you return journey is delayed we will pay for extra kennel or cattery fee.
|
N/A
|
N/A
|
£20 per complete 24 hours: maximum £100
|
Nil
|
£25 per complete 24 hours: maximum £150
|
Nil
|
|
Home County Cover – This policy will cover you for each Trip you undertake solely within your Home County provided you have pre-booked a minimum of 2 consecutive nights in paid accommodation away from Home.
|
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
21. Home Country Medical Transfer
We will cover you if you are hospitalised 50 miles from Home. We will arrange for your transfer to a suitable hospital you’re your Home if it becomes medically feasible.
|
N/A
|
N/A
|
Necessary costs
|
Nil
|
Necessary costs
|
Nil
|
|
22. Additional Accommodation Costs
We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home
|
N/A
|
N/A
|
£500
|
Nil
|
£1,000
|
Nil
|
|
|
Optional Winter Sports cover – Your policy can be extended to cover winter sports on payment of an additional premium
|
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
23. Cancellation or Curtailment
In addition to Section 6 cover includes financial loss from unused ski passes, ski-school fees and unused ski-pack if you are certified unable to ski
|
N/A
|
N/A
|
£1,500
|
£85
|
£5,000
|
£60
|
|
24. Skis, Ski Equipment and Ski Pass
In addition to Section 10 we will pay if the ski equipment owned or hired by you, or your ski-pass is lost or damaged.
|
N/A
|
N/A
|
£1,000
|
£50
|
£2,000
|
£50
|
|
|
N/A
|
N/A
|
£75 per complete 24 hours: maximum £300
|
Nil
|
£75 per complete 24 hours: maximum £300
|
Nil
|
|
25. Ski Equipment delay
We will pay a benefit to purchase essential items if your ski equipment is delayed on your outward journey
|
N/A
|
N/A
|
£20 per complete 24 hours: maximum £200
|
Nil
|
£20 per complete 24 hours: maximum £200
|
Nil
|
|
26. Piste Closure
We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.
|
N/A
|
N/A
|
£20 per complete 24 hours: maximum £240
|
Nil
|
£20 per complete 24 hours: maximum £240
|
Nil
|
|
27. Avalanche or Landslide
If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs.
|
N/A
|
N/A
|
£20 per complete 24 hours: maximum £240
|
Nil
|
£20 per complete 24 hours: maximum £240
|
Nil
|
|
|
|
Optional Golf cover – Your policy can be extended to cover your golf equipment on payment of an additional premium
|
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
28. Golf Equipment
In addition to section 10 we will pay if the Golf Equipment owned or hired by you is lost or damaged
|
N/A
|
N/A
|
£1,000
|
£50
|
£2,000
|
£50
|
|
|
N/A
|
N/A
|
£250
|
£50
|
£250
|
£50
|
|
29. Golf Equipment Hire
In addition to Section 28 cover includes the hire of replacement golf equipment
|
N/A
|
N/A
|
£20 per complete 24 hours: maximum £200
|
Nil
|
£30 per complete 24 hours: maximum £300
|
Nil
|
|
30. Green Fees
We will pay You the proportionate value of any non-refundable: Golf Fees / Equipment Hire or Tuition Fees
|
N/A
|
N/A
|
£75 per complete 24 hours: maximum £300
|
Nil
|
£100 per complete 24 hours: maximum £400
|
Nil
|
|
|
|
Optional Timeshare Cover – Your policy can be extended to cover your management and exchange fees on payment of an additional premium
|
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
31. Cancellation or Curtailment
In addition to Section 6 cover includes.
|
N/A
|
N/A
|
£1,500
|
£85
|
£5,000
|
£60
|
|
31. Timeshare Cancellation Charges
In addition to section 6 we will pay if the management and exchange fees for which you are legally liable are unused or are not recoverable.
|
N/A
|
N/A
|
Management & exchange fees plus up to 5% of the original purchase price
|
Nil
|
Management & exchange fees plus up to 5% of the original purchase price
|
Nil
|
|
31. Timeshare Curtailment Costs
In addition to section 6 we will pay the pro-rata proportion of the management and exchange fees for which you are legally liable if they are unused or are not recoverable.
|
N/A
|
N/A
|
The pro-rata proportion of the Management & exchange fees plus up to 5% of the original purchase price
|
Nil
|
The pro-rata proportion of the Management & exchange fees plus up to 5% of the original purchase price
|
Nil
|
|
|
|
Optional Wedding cover – Your policy can be extended to cover your Wedding on payment of an additional premium
|
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
32. Wedding Rings
We will cover you for any loss or damage to the Bride’s or Bridegroom’s Wedding Rings.
|
N/A
|
N/A
|
£250 per ring
|
£50
|
£500 per ring
|
£50
|
|
32. Wedding Gifts
We will cover you in the event of permanent loss or damage to your Wedding Gifts.
|
N/A
|
N/A
|
£1,000 per couple
|
£50
|
£2,000 per couple
|
£50
|
|
32. Wedding Attire
We will pay reasonable costs in the event of permanent loss of damage to Your Wedding Attire.
|
N/A
|
N/A
|
£1,500 per couple
|
£50
|
£3,000 per couple
|
£50
|
|
32. Wedding Photographs
We will pay reasonable costs incurred to replace your pre-booked photographer or in the event of permanent loss of the photographs.
|
N/A
|
N/A
|
£750 per couple
|
£50
|
£1,500 per couple
|
£50
|
Optional Business Cover
|
Section
|
Economy Cover Limits up to
|
Excess
|
Standard Cover
Limits up to
|
Excess
|
Premier Cover
Limits up to
|
Excess
|
|
33. Business Equipment
If your Business Equipment is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation).
|
N/A
|
N/A
|
£1,000
|
£75
|
£1,000
|
£50
|
|
|
N/A
|
N/A
|
£500
|
£75
|
£500
|
£50
|
|
|
N/A
|
N/A
|
£500
|
£75
|
£500
|
£50
|
|
|
N/A
|
N/A
|
£1,000
|
£75
|
£1,000
|
£50
|
|
|
N/A
|
N/A
|
£150
|
Nil
|
£200
|
Nil
|
|
34. Business Equipment Hire
In addition to Section 33 cover includes the hire of replacement Business equipment.
|
N/A
|
N/A
|
£30 per complete 24 hours: maximum £300
|
Nil
|
£50 per complete 24 hours: maximum £500
|
Nil
|
|
35. Business Money
We will cover you for the loss of Business money.
|
N/A
|
N/A
|
£1,000
|
£75
|
£1,000
|
£50
|
|
|
N/A
|
N/A
|
£500
|
£75
|
£500
|
£50
|
|
36. Emergency Courier Expenses
We will cover costs you incur for emergency courier to replace business equipment essential to your intended business trip.
|
N/A
|
N/A
|
£200
|
£75
|
£200
|
£50
|
|
37. Replacement Employee
We will pay for the additional accommodation and travelling costs to enable a business colleague, where necessary, to replace you.
|
N/A
|
N/A
|
£1,000
|
£75
|
£1,500
|
£50
|
Certain sections of your policy carry an excess (unless additional premium has been paid), that is the amount of any claim that you have to pay yourself. Policy excesses are applied under each section of the policy separately.
Significant or unusual exclusions and limitations
There are some situations which you are not covered for. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the policy document.
The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.
-
You must declare all Material Facts that are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. Please refer to the definition of a ‘Material Fact’ in the Meaning of Words.
-
This policy contains restrictions on what cover is in place for claims arising from terrorist activity. Only valid claims for emergency medical expenses and Personal Accident will be paid.
-
This policy contains restrictions regarding Pre-existing Medical Conditions which unless declared and accepted by the Insurers in writing prior to travel may invalidate any subsequent claim.
-
This policy will NOT cover any claims under section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from a 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 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 are 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
-
No Section of this policy shall apply in respect of any claim arising directly or indirectly from your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of alcohol or drug(s).
-
No Section of this policy shall apply in respect of any person who has reached the age of 85 years at the commencement of the Period of Insurance for a Single Trip policy or 80 years for an Annual Multi-trip policy.
-
This policy contains strict limits on the length of time You can spend travelling abroad on each Trip. Please refer to the definition of the ‘Trip’ in the Meanings of Words. TRAVELLING OR INTENDING TO TRAVEL IN EXCESS OF THE TRIP LIMITS WILL INVALIDATE ANY CLAIMS RELATING TO THAT PARTICULAR TRIP. Trips must commence and end in the UK Area and a return ticket must have been booked prior to departure.
-
In the event of a medical emergency you must contact us as soon as possible. You MUST contact us before incurring expenses in excess of £500. If you are physically prevented from contacting us immediately, you or someone designated by you must contact us within 48 hours.
-
No cover is given under Sections 2, 3, 4, 5 and 6 of this policy in respect of any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
-
Personal Property Claims are paid based on the value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement cost basis; thus a deduction is made for wear, tear, and depreciation. Payment of any claims in respect of any one article or Pair or Set of articles will be limited to £50 unless satisfactory proof of ownership is submitted. Evidence of replacement value is not sufficient.
-
We will not pay for any claim arising from any deliberately careless or deliberately negligent act or omission by You, nor for any claim arising or resulting from Your own illegal or criminal act.
Duration of cover
This policy of insurance will run for the period shown on your policy schedule.
Your right to cancel
Unless Your trip will be completed within 14 days of buying this insurance, You have the right to cancel your policy of insurance within 14 days from the date of issue or receipt of policy terms and conditions, whichever is the later. We will refund to you any premium you have paid and will recover from you any payments we have made.
Making a claim under your policy
In the event of an emergency please phone 00 44 (0) 870 737 6073 or 00 44 (0) 1444 442390. Fax: 00 44(0) 1444 410102
To obtain a claim form, log onto the www.eaclaims.co.uk website or, alternatively, phone 00 44 (0) 870 737 6073 or 00 44 (0) 1444 442390.
Return the completed claim form to the Claims Department, Europ Assistance, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN.
Making a complaint
If you wish to register a complaint, please contact us:
…in writing Quality Department, Europ Assistance Holdings Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DN; or
…by phone 00 44 (0) 845 3588008; or
…by e-mail quality@europ-assistance.co.uk
We are covered by the Financial Ombudsman Service. If you have complained to us and we have been unable to resolve your complaint, you may be entitled to refer it to this independent body at South Quay Plaza, 183 Marsh Wall, London, E14 9SR.
Telephone: 00 44 (0) 845 080 1800.
Financial Services Compensation Scheme
Europ Assistance Holdings Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if Europ Assistance Holdings Limited is unable to meet its obligations. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. More information can be obtained from the www.fscs.org.uk website.
Europ Assistance Holding Irish Branch is regulated by l'Autorité de Contrôle des Assurances et des Mutuelles (ACAM), the French Regulator. No compensation scheme is available in the unlikely event that Europ Assistance Holding Irish Branch is unable to pay claims against it.
Travel insurance offer: great prices, flexible medical
Often the cheapest, at any age, with no excess, few medical exclusions and a simple and easy claims experience.
 |
- Price competitive at any age
- Few medical exclusions (80% of over 50s can get cover)
- One simple medical declaration, no screening
- No excess, no hidden costs
Single trip or annual multi-trip in Europe or Worldwide
|
No obligation, no downside and entry into our free prize draw to WIN a holiday just for enquiring…
There's nothing to lose by calling
FREE 0800 988 1918
More on Club Together travel insurance