Loss or theft of money whilst unattended unless in a locked safe or safety deposit box. The journey may be for legitimate business or leisure. With Annual cover any number of Journeys are permitted up to a maximum of 90 days for each, with special restrictions applying to Winter Sports. Countries covered are all countries in the Zone for which the appropriate premium has been paid and those countries in lower numbered Zones. Accident means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place, but shall also include exposure resulting from a mishap to a conveyance in which the insured is travelling.
Illness means physical illness which first manifests itself during a Journey.
Top-Up Cover means cover whilst participating in Sports Activity only provided the insured has separate Travel Insurance for the whole duration of the Journey. They co-ordinate medical services, provide repatriation and can advance medical fees. Repatriation is not available within 26km of home. Conditions and Exclusions will apply to individual sections of your schedule, while General Conditions, General Exclusions and Warranties will apply to the whole of your schedule.