Main DOGTAG Travel Insurance Policy Wording for Dogtag travel insurance policy. Dogtag has 3 Levels of Cover offering varying levels of cancellation depending on your budget and travel needs. If you’re taking a Couple or Family policy, the cover levels are per person. The three levels are: BASE- wide-ranging cover at a competitive price. Ideal if you’re traveling light on a low-cost holiday. PRO- our optimum cover level , and our most popular – higher cover levels and wide ranging protection. MAX- our highest cover level. Complete peace of mind for you and your holiday. BASE provides the following cover: If you are not able to go on your trip £500; If you need emergency medical treatment abroad £3m; If you need to be brought home £200,000; If you are buried or cremated abroad £2,500; If you are taken ill or injured in your home country £1,000; If you have to cut short your trip £500; If your checked-in baggage is delayed £150; If your valuables are lost, stolen or accidentally damaged £175; If your other possessions are lost, stolen or accidentally damaged £200; If your cash or event tickets are lost or stolen £200; If you need legal advice £10,000; If you are killed, injured or disabled following an accident £10,000; If you are held legally liable for injury or damage £2m. The following is not included in the cover of BASE: Deductibles apply on the Base policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told us about or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise. The following are restrictions on cover: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadgets or money unless with you, in a safe/safety deposit box or locked in your accommodation. Cover under the BASE policy is for the following locations: You can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. PRO provides the following cover: If you are not able to go on your trip £2,000; If your scheduled airline stops before you leave home £1,000; If you are delayed £200; If you miss your departure or onward connection £500; If you decide to abandon your travel plans £2,000; If your scheduled airline stops trading while you're away £1,000; If you are denied boarding on your return journey £560; If you need emergency medical treatment abroad £10m; If you need to be brought home £200,000; If you are buried or cremated abroad £1,500; If you are admitted to a public hospital £600; If you are taken ill or injured in your home country £1,000; If you have to cut short your trip £2,000; If your checked-in baggage is delayed £100; If your valuables are lost, stolen or accidentally damaged £300; If your other possessions are lost, stolen or accidentally damaged £1,500; If your cash or your event tickets are lost or stolen £250; If you need emergency travel documents £250; If your or your hired ski equipment is lost, stolen or damaged £1,000; If your ski equipment is delayed over 24 hours £500; If your winter sports equipment is damaged whilst in use £500; If you are unable to use your pre-paid ski pack £400; If your ski resort is closed £1,000; If you need legal advice £25,000; If you are killed, injured or disabled following an accident £15,000; If you are held legally liable for injury or damage £2m. The PRO policy does not include the following: Deductibles apply on the Pro policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told us about or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days on a multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise (unless you have purchased the optional cruise extension). What are the restrictions on the PRO cover: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadget or money unless with you, in a safe/safety deposit box or locked in your accommodation. The PRO cover applies in the following locations: you can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. The MAX policy covers the following: If you are not able to go on your trip £5,000; If you are delayed £300; If you miss your departure or onward connection £1,000; If you decide to abandon your travel plans £5,000; If you need additional pet care due to a delay on your return journey £300; If a natural disaster occurs during your trip £1,000; If you are denied boarding on your return journey £560; If you need emergency medical treatment abroad £10m; If you need to be brought home £200,000; If you are buried or cremated abroad £2,500; If you are taken ill or injured in your home country £1,000; If you are admitted to a public hospital £1,000; If you have to cut short your trip £5,000; If your checked-in baggage is delayed £150; If your valuables are lost, stolen or accidentally damaged £250; If your other possessions are lost, stolen or accidentally damaged £2,000; If your cash or event tickets are lost or stolen £200; If you need emergency travel documents £200; If you need legal advice £25,000; If you are killed, injured or disabled following an accident £25,000; If you are held legally liable for injury or damage £2m. You can add the following optional covers to the Pro policy - Golf extension; Business extension; Winter sports extension; Scuba diving extension; Mountain climbing extension. The following is not insured in the MAX policy: Deductibles apply on the Max policy and are shown in the Document of Insurance - you are responsible for paying this amount in the event of a claim; There is no cover if you purchased this insurance with the reasonable intention or likelihood of claiming; There is no cover if you are claiming due to FCDO, government or local authority advice relating to any infectious disease including Covid-19; There is no cover if you ask us to pay for a loss that is insured or guaranteed by any other existing protection, specifically Package Travel Regulations, Air Passenger Rights, ATOL (including Civil Aviation Authority requirements), or ABTA protection, or from your credit card provider under s75 Consumer Credit Act, or any other specific legislation for transport or travel providers; There is no cover if you are unable to provide evidence from a medical professional confirming your illness or infectious disease; There is no cover if you simply did not want to travel, had a fear of travelling or you could no longer afford to pay for the trip; There is no cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including Covid-19; Existing medical conditions that you haven’t told usabout or where we’ve not agreed to cover them in writing; Dental treatment other than to alleviate sudden pain; Trips which have begun before your policy cover start date; Events or situations you know about before taking out a policy or booking a trip which could mean you can’t travel; You taking part in activities unless stated as covered on your Policy Documentation; Claims caused by alcohol, drugs or substance abuse; Trips longer than 31 days on a multi trip policy; Natural damage (e.g. wear & tear or from weather); Any trip involving a cruise. The restrictions on the MAX policy are as follows: This is a travel insurance policy and not private medical insurance, therefore it does not cover any medical expenses incurred in private facilities if adequate public facilities are available, unless specifically authorised by us; There is no cover for trips booked or travel to a destination outside the area of cover shown on your Policy Schedule; Unless agreed with us there will be no cover if the FCDO advise against travel to your destination; There is no cover at the start of the policy if anyone to be insured is waiting to have any medical investigation, or the results of any test or investigations, unless these relate to an already diagnosed condition you’ve told us about; There is no cover to cancel or cut short a trip because of any follow up appointment or surgery that relates to investigations or tests that are known about when a trip is booked; There is no cover for valuables, gadget or money unless with you, in a safe/safety deposit box or locked in your accommodation. The MAX policy covers the following regions: you can select the area of cover that is most appropriate for your travel plans. Cover will not apply if you travel outside the area that you have chosen. The area you have chosen will be shown on your policy schedule. You will not be covered if you travel to a country or region when the Foreign, Commonwealth and Development Office has advised against all travel or all but essential travel. For further details, visit: www.gov.uk/foreign-travel-advice. This policy has been specially arranged and is administered on behalf of DOGTAG by tifgroup.DOGTAG and tifgroup are trading names of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN:306537. These details can be checked on the Financial Services Register at:www.fca.org.ukUnless otherwise stated your policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct. Authority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.ukDOGTAG Travel Insurance CoverSingle Trip ◦ Multi TripFor policies issued between01/09/2023 to 31/08/2024Master Policy Number: COLDT-22-007-BThis policy is for residents of the United Kingdomand the Channel Islands only.POLICY INFORMATIONABOUT YOUR CONTRACT OF INSURANCEThis policy wording and the policy certificate form a contract of insurance between the underwriters, Collinson Insurance and those people specified on your policy certificate and must be readtogether. Please check your policy certificate carefully to ensure the cover you have purchased meets your needs. This contract is only valid when you have a valid policy certificate and havepaid the appropriate premium.Both we and you are entitled to choose the law applicable to the insurance. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.This policy is insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by theFinancial Conduct Authority and Prudential Regulation Authority. Their Financial Service Register Number is 202846. These details can be checked on the Financial Services Register websitewww.fca.org.uk.END SUPPLIER SECTIONS OF COVER INFORMATION ONLYThe End Supplier Failure sections of cover are provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and isunderwritten by Liberty Mutual Insurance Europe SE (The Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances.Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registerednumber 829959). Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on theFinancial Conduct Authority’s website.• Data Protection – We will deal with any information you provide us in compliance with the provisions of relevant Data Protection legislation. For the purpose of this insurance and thehandling of any claims or complaints, we may need to transfer certain information which you have provided to other parties.• Sanctions – We will not provide any benefit under this insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach anysanction, prohibition or restriction imposed by law or regulation.• Non-Assignment – No title, right or interest under this policy may be assigned, transferred, conveyed or otherwise disposed of without the consent in writing of the Insurer hereon. Anyattempt to assign rights or interests without the Insurer’s written consent is null and void.CANCELLING OR AMENDING YOUR POLICYPlease tell us as soon as you are aware that your policy does not meet your needs. If you cancel within 14 days of the receipt of your documentation. If you have not started a trip, made a claim,or intend to make a claim, we will give you a full refund. If you cancel outside of the 14-day cooling-off period, no premium will be refunded.However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to yourpolicy resulting in us being unable to continue covering you. The unused premium will be calculated on a sliding scale basis as follows:Refund scale outside the 14-day cooling off period for exceptional circumstances onlySingle Trip Policies Before Travel75% refundNo refund can be given once a trip has started.Annual Multi Trip PoliciesNumber of monthspolicy was live beforecancellation% RefundNumber of monthspolicy was livebefore cancellation% Refund1 month 75% 7 months 20%2 months 60% 8 months 15%3 months 50% 9 months 10%4 months 40% 10 months 5%5 months 30% 11 months 0%6 months 25% 12 months 0%5We may cancel your policy by giving you 14 days’ notice in writing, if this happens, we will refund the unused premium in line with the above scale and advise you the reason for thecancellation. Reasons can be (but not limited to) you failing to pay the full and correct premium, or if you do not meet the Medical Health Requirements or residential eligibility.Once your policy has been cancelled your cover will end and you will not be able to make a claim.FRAUDIf a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of the fraudulentclaim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or the appropriate authorities of thecircumstances.RESIDENTIAL ELIGIBILITYTo be eligible to purchase this policy your home address must be in the UK and you must be registered with a General Practitioner in the UK.RENEWING ANNUAL MULTI TRIP POLICIESWe will write to you at least 31 days before your policy is due to expire to provide you with details of the new premium and any changes to the policy terms and conditions. If you are stilleligible and happy with the renewal information, you will need to contact us either by visiting our website or calling us to accept the quote. We will remind you to tell us about any changes toyour personal circumstances, including any new or changes to existing medical conditions. Once payment has been taken you can still cancel the policy and obtain a full refund, provided youcontact us within 14 days from the date you receive the policy documentation and you have not made or are intending to make a claim under the renewed policy. Refunds for the unusedportion of premium outside the 14-day cooling off period are only available for exceptional circumstances. Policies can be renewed during a trip, however, we advise you avoid this wherepossible so that you have continuous cover in place.PURCHASING AFTER YOUR TRIP HAS STARTEDIf you are traveling solely within the UK, you cannot purchase a policy after you leave home to start the trip. If you are travelling outside the UK, then it is possible to purchase a policy up to thepoint you board your transportation for your international departure. However, if you are aware of a reason to make a claim at the time of purchase, your claim will not be covered.AUTOMATIC POLICY EXTENSIONSIf you are unable to return home as planned due to a reason covered by this policy, your cover will automatically extend until you are able to return home or until you are admitted to a hospitalor medical facility in the UK.When your return is delayed by an insured reason other than a medical emergency, cover is only extended until travel arrangements can be made to return home. All cover will end under thispolicy if you choose not to return home as soon as you are able to.WHEN COVER STARTS AND ENDSSingle TripFrom the time of buying this insurance to the time you leave home to start your trip, cover is only available under Cancelling Your Trip. Once you leave home to start the trip, Cancellation coverends, and all other sections of the policy, begins.Cover under all sections of the policy apart from Cancelling Your Trip, ends:• At midnight on the end date shown on your policy certificate even if you have not returned home. Or• When you return to your home address in the UK even if this is before your booked return date. Or• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.Annual Multi TripCover under Cancelling Your Trip is effective from the start date of your policy period as shown on your policy certificate or when you book a trip, depending on which happens last. Once youleave home to start the trip, Cancellation cover for that trip ends, while cover under all other sections of the policy, begins. If you have multiple trips booked, Cancellation cover is effective untilyou leave home to start each trip. If a booked trip falls after the date your policy is due to renew, you must pay the premium to renew your policy for cover to continue.Cover under all sections of the policy apart from Cancelling Your Trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home. Or• At midnight of the day, you reach the policy maximum trip duration; or• When you return to your home address in the UK even if this is before your booked return date. Or6• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.DECLARING EXISTING MEDICAL CONDITIONSThis policy does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or have experienced in the past. Please review the MedicalHealth Requirements and ensure you answer the Medical Screening questions fully and accurately for everyone insured on the policy.SUMS INSURED AND EXCESSESEach section of the policy has a limit on the amount we will pay for each insured person, called the sum insured. Claims under most sections of the policy will be subject to an excess. The sumsinsured, inner limits and excess amount for each section are set out in the Cover Table. Please check the Cover Table against your policy certificate to ensure the level of cover you havepurchased meets your needs.Excesses apply for each claim logged with us, for each section of the policy you are claiming under and for each insured person who is making a claim. When we are settling a claim directly withyou, we will deduct the excess from the claim payment before you receive it. Where we are settling claims directly with a medical provider or other supplier, you will be responsible for paying usthe excess. The excess will vary depending on the excess chosen by you. This is applied per person, per section, per claim. Where an excess has been increased due to a medical condition, thiswill be applied in addition to your standard policy excess.UPGRADES / POLICY EXTENSIONSThe following upgrades are available to be purchased for an additional premium:- Winter Sports Extension - Golf Extension - Motorcycle Extension- Large Scale Events Extension - COVID-19 Extension - Cycling Extension- Scuba Diving Extension - Mountaineering Extension - Sailing Extension- 62 Day Multi Trip ExtensionCOVERED AREAThe area you have selected to buy confirms the country/location your policy is valid for. Cover under this policy is not valid if you travel to an area that is higher than the area you purchased. Forexample, If you have purchased a policy to Europe, but you travel to the USA no cover will be in place. It is important to check the area of cover on your policy certificate.TRIP AND AGE LIMITSSingle TripThe maximum trip duration you can purchase varies by age as follows:Age at date of starting the policy Maximum Trip DurationUp to 69 365 daysAnnual Multi TripThe maximum trip duration for this policy is 31 days.We do have an option available on this product with allows you to increase the maximum tripduration to 62 days per trip. This will only be covered if you pay the appropriate additionalpremium and it is confirmed on your policy documents.UK COVERFor Annual Multi Trip policies you must have booked and paid for 2 night’s accommodation for UK cover to apply. Not all sections of cover apply if your trip is solely within the UK, the followingsections of cover are available:TRIP DISRUPTION- Cancelling Your Trip.- Cutting Short Your Trip(excluding COVID-19Upgrade).MEDICAL COVER- Medical Repatriation, excluding MedicalExpenses.- Additional Travel and Accommodation Costs.- Hospital Benefit.- Repatriation of Remains.PERSONAL BELONGINGS- Personal Baggage.- Money and Travel Documents.OTHER- Personal Accident.- Personal Liability.FINANCIAL SERVICE COMPENSATION SCHEME7We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS, if we are unable to meet our obligations. More information can beobtained from the www.fscs.org.uk website.MEDICAL SCREENING HEALTH REQUIREMENTSThis policy does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or have experienced in the past. If you answer “Yes” to any ofthe Medical Screening Questions, you must contact us and answer a series of further questions regarding your health to determine if we can provide cover. You may have to pay an additionalpremium for your conditions to be covered. If you do not wish to pay the additional premium, we will not be able to sell you a policy.Have you or anyone named on the policy ever been diagnosed with or treated for any of the following?• Heart or circulatory conditions• Strokes or high blood pressure• Breathing/Respiratory conditions (including Asthma)• Cancer (even if now in remission)• Diabetes (including diet controlled)• Irritable bowel disease (such as crohn’s, or diverticulitis)Are you or anyone named on the policy currently taking any medication? (this will not apply to common colds, flu or contraceptive medication)Are you or anyone named on the policy waiting for any tests, treatment or a non-routine hospital appointment?Have you or anyone named on the policy seen a medical professional in the last 2 years?If the answer is YES to any of the above you must declare them to us; you cannot choose what you declare and what you don’t.We need to understand your health as a whole to be able to assess the risk you present in the lead up to your trip and while you are travelling. If any of the above apply to you and you do notdeclare them, any claim you make whether it is related or not, may only be paid in part or declined altogether.CHANGE IN HEALTH AFTER YOU HAVE PURCHASED YOUR POLICYSimilarly, if there is a CHANGE IN HEALTH AFTER YOU HAVE PURCHASED YOUR POLICY, such as new or increased medication, any referral for tests or a specialist appointment, or a newdiagnosis/course of treatment, you must tell us or again any claim you make whether it is related or not, may only be paid in part or declined altogether.If we feel that anything you tell us might increase the risk and chance of a claim, we may ask you to pay an additional premium, apply an increased excess, change the policy terms or withdrawcover altogether.To declare an existing condition(s) or a change in health please call us on: 0333 005 1085Should your medical situation change before you travel, and we are unable to continue providing cover, we will either allow you to make a claim for cancellation or, we allow to cancel yourpolicy as per the terms and conditions shown on page 4-5.INDIRECTLY RELATED CLAIMSThis policy does not cover claims that are directly or indirectly related to an undeclared or incorrectly declared medical condition. An indirectly related medical condition means a medicalproblem that is more likely to happen because of another medical problem you already have. For example, if you:• have high blood pressure, high cholesterol, or diabetes, you are more likely to have a heart attack or a stroke.• suffer from asthma (diagnosed over 50), chronic obstructive pulmonary disease, or other lung disease, you are more likely to get a chest infection.• have or have had cancer, you are more likely to suffer from a secondary cancer.PREGNANCYPregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant by the time your trip is due to start (or 24 weeks for multiple births)and a medical practitioner or midwife confirms that you are fit to travel.If you are confirmed not fit to travel, or if you will be more than 28 weeks pregnant at the start of your trip, (24 weeks for multiple births), you can make a claim under “Cancelling Your Trip”provided you purchased this policy/booked a trip before you were aware you would not be able to travel.8MAKING A CLAIMFirst, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, youmust ensure that you have all relevant documents and any receipts, please see claims evidence below.• Online collinson.claimhere.co.uk or via the customer area https://quote.dogtag.co.uk/secure?action=memberlogin• Telephone 0333 005 1087All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you mayexperience a delay in the processing of your claim. When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will beresponsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank accountdesignated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in theevent of incorrect details having been provided to us.Claims & assistance services are administered by Collinson Insurance Services Ltd.24-hour Emergency Medical AssistanceYou must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours• Telephone 0333 005 10889CLAIMS EVIDENCEBefore a claim can be paid, you may be asked to provide supporting documentation to validate cover and the circumstances of the loss. The table below sets out what documentation you maybe asked to provide. Depending on the details of each claim we may ask for additional or different supporting documentation to that listed below.Section(s) DocumentationAll sections - Policy Certificate.- Proof that you booked travel and accommodation, such as a booking invoice.If you are unable to go on your trip, If you have to cut your trip short, If you need emergencymedical treatment abroad, If you need to be brought home, If you need physiotherapy and/ordental treatment after you return home.- Confirmation of all cancellation(s) including any refunds already given- Medical reports / medical certificates- Booking terms and conditions- Death certificates- Invoices and receipts for your expenses- Receipts or confirmation of payments you have made- Written confirmation of positive test results for Covid-19 provided by an independentauthority including the date of the result. Photographic evidence of a test kit is notacceptable.- A letter from your employer providing your redundancy- A police report for any lost or stolen travel documentsIf you are delayed, If you choose to abandon your travel plans. - Written confirmation from the carrier stating the period of and reason for any delay- Receipts confirming any additional transport costsIf a major incident happens while you are on your trip. - Evidence from your original accommodation provider confirming the length and reason forclosure of the accommodation- Evidence of any additional costs you have incurredIf you miss your departure, If you miss your connection. - A police or motoring authority report stating any delay and the cause- Evidence of vehicle recovery or repairs- Evidence of the costs of any additional accommodation and transportIf your checked-in baggage is delayed, If your valuables are lost, stolen or accidentallydamaged, If your other possessions are lost, stolen or accidentally damaged, If your gadgetsare lost, stolen or accidentally damaged, If your cash is lost or stolen, If you need emergencytravel documents.- A police report or written report from your accommodation or travel provider detailingyour reported loss- A police report for any lost/stolen item(s)- Property irregularity report from an airline- Written confirmation from the airline or travel company stating the length of delay- Proof of ownership and value of items claimed for such as receipts- When the claim is for loss or theft of mobile phones we will ask for proof that your serviceprovider has been contacted and asked to discontinue the service- Evidence of withdrawal of bank notes or currency10GENERAL CONDITIONSThe following conditions apply to all sections of the wording:1. At the time of purchasing this insurance you will have been asked questions to enable us to assess your risk, failure to answer accurately and honestly could lead to your policy beinginvalid and all claims will be forfeited. If the answers given change after the policy was purchased you must notify us of this change.2. You must pay the excess shown in the Cover Table (unless you have paid an additional premium to waive the excess)3. You must take all reasonable steps to avoid or minimise any claim. At all times you must act as if you are not insured.4. We can request specific information to assess your claim see Page 9 where we have set out what documentation we will ask you to provide. We are entitled to ask for any furtherevidence not listed on Page 9 if required due to the circumstances of your claim at your own cost.5. If a claim is found to be fraudulent in any way, including use of fraudulent means to obtain any benefit, this policy shall become void meaning it no longer exists from the date of thefraudulent claim and the premium paid will be lost. Any benefits received by you for any claim found to be fraudulent, must be repaid to us. We may inform the police or otherappropriate authorities of the circumstances.6. You must not make any payment; admit liability, offer or promise to make any payment without written consent from us.7. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against another party.8. If at the time of any incident, loss or damage there is any other indemnity or insurance which wholly or partly covers the same occurrence, the underwriters shall not be liable to pay orcontribute towards the loss or damage except in excess of the sums recovered or recoverable under the other indemnity or insurance.9. You must assist us in pursuing a recovery from any third party, government department or other insurers by providing all details required and by completing any necessary forms.10. You are not covered for any cruise trips at all.11. You must follow the “Important Information” where listed under individual sections of the policy.GENERAL DEFINITIONSThe words listed below when shown in bold text will always have the meaning set out below.HomeThe address where you live in the United Kingdom, Channel Islands or Isle of Man and where you are registered with a General Practitioner.Home CountryThe United Kingdom, Channel Islands or the Isle of ManImmediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Policy CertificateThe document issued by us which sets out the names of the insured persons, area of cover, level of cover, type of policy, period of insurance, additional cover options and any other specialconditions and terms used to confirm the correct cover is in place when a claim is made.Public TransportA company operating under a licence to carry passengers, working to a published timetable and /or published fares. This includes but is not necessarily limited to airlines, taxi firms, coach, ferryand rail operators.Travelling CompanionThe person you have booked to travel with on the trip but not insured on the same travel insurance policy and their immediate relative.11TripA single journey that begins and ends in the United Kingdom, starting when you leave your home address to travel to your departure point to begin your journey. The start and end dates whencover under all sections of this policy applies, (except for Cancelling Your Trip), are detailed on your policy certificate for single trip policies or in the case of annual multi trip policies, is theduration limit of each single journey taken in a 12-month period.In certain circumstances cover will cease at a different time to the stated end date on your policy certificate or your stated duration limit. For clarification, cover under your trip ends:• At midnight on the end date shown on your policy certificate even if you have not returned home, unless you have purchased an Annual Multi trip policy and you renew yourpolicy while on your trip (your total trip duration including the renewed policy cannot exceed the maximum limit). This does not apply if you are unable to return home due toa claimable event, when your policy automatically extends; or• For Annual Multi Trip policies, at midnight of the day you reach your stated maximum policy trip duration; or• When you return to your home address in the UK even if this is before your booked return date.• Upon your admission to a hospital or medical facility in the UK if we are repatriating you home under Section B10 & B11 Emergency Medical Expenses. Cover ends even if this isbefore your booked return date, or before your trip is due to end.WarArmed conflict between nations, invasion, act of foreign enemy, hostilities (whether war declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.We / Us / OurCollinson Insurance.You / Your / Insured PersonEach person named on the Policy Certificate.UKYour home country and place of residence as stated in the Residential Eligibility.12COVER TABLEThis table shows you what cover may be available under this insurance policy and is subject to the terms, conditions and exclusions already mentioned and detailed in the individual policysections. Please be aware that if your circumstances do not fit those described, then there is no cover in place.The amounts shown under ‘We will pay up to’ are the maximum amounts payable under each policy section for each insured person. Please note: Some sections have individual item limits, orlimits to the amount paid per period; please refer to the individual policy sections for these limits.The ‘Excess’ is the amount that will be deducted from your claim for each insured person.Cover We will pay up to ExcessYour Pre-Travel Policy – Trip Disruption Before You Travel SectionCancelling your trip – If you are unable to go on your trip A1 As per your policy certificate £75End Supplier Failure – If your end supplier fails financially before you leave home A2 £3,000 NilYour Travel Policy – Trip Disruption During Your Trip SectionDelay and Abandonment- If you are delayed per 12 hours B1 £20 Nil- If you are delayed maximum B2 £300 Nil- Additional transport costs outside the UK B3 £500 Nil- If you decide to abandon your travel plans B4 As per your policy certificate £75Missed Departure from the UK – If you miss your departure B5 £1,000 £75Missed Departure and Connection Outside the UK – If you miss your connection B6 £1,000 £75Substitute Accommodation – If a major incident happens while you are away B7 £1,000 £75Cutting Short Your Trip – If you have to cut short your trip B8 As per your policy certificate £75End Supplier Failure – If your end supplier fails financially while you are away B9 £3,000 NilYour Travel Policy – Medical SectionEmergency Medical Expenses and Medical Repatriation, Overseas Funeral Costs and Repatriation of Remains- If you need emergency medical treatment abroad B10 £10,000,000 £75- If you need to be brought home B11 £10,000,000 £75- Additional accommodation and travelling expenses B12 £10,000,000 £75- If you are buried or cremated abroad B13 £2,500 Nil- If your body or ashes need to be brought home B14 £25,000 NilHospital Benefit- If you are admitted to a public hospital - per 24 hours B15 £25 Nil- If you are admitted to a public hospital - maximum B16 £1,000 NilPhysiotherapy and Dental Treatment After You Return Home- If you need physiotherapy and/or dental treatment after you return home B17 £500 £7513Your Travel Policy – Personal Belongings SectionBaggage Delay – If your checked-in baggage is delayed B18 £150 NilPersonal Baggage- If your valuables are lost, stolen or accidentally damaged B19 £250 £75- If your other possessions are lost, stolen or accidentally damaged B20 £2,000 £75- If your gadgets are lost, stolen or accidentally damaged B21 £1,000 £75Money and Travel Documents- If your cash is lost or stolen B22 £200 £75- If you need emergency travel documents B23 £200 NilYour Travel Policy – Personal Accident, Personal Liability and Legal Expenses SectionPersonal Accident – If you are killed, injured or disabled following an accident B24 £25,000 NilPersonal Liability – If you are held legally liable for injury or damage B25 £2,000,000 £75Legal Expenses – If you need legal advice B26 £25,000 £7514TRIP DISRUPTION BEFORE YOU TRAVEL AND DURING YOUR TRIP SECTIONS OF COVERThis policy offers cover if your trip is disrupted by one of the events listed in each section under “If this happened” before you travel.IMPORTANT INFORMATION• Where to go first for a refund when cancelling your trip. This policy is designed to provide a refund of your unused travel and accommodation costs, at the point we are satisfied that theseexpenses cannot be refunded elsewhere. If your trip has been booked or paid for via one or more of the following, you must contact them to discuss a refund before claiming from us:• A Tour Operator.• An Airline.• Any other travel, accommodation, or service provider.• Credit or debit card provider or other payment providers such as PayPal.If you are unable to obtain a refund at first (we consider vouchers as you are receiving a refund) and we assess that your travel provider is legally obliged to refund you, we will ask you tomake a reasonable attempt to pursue payment from them before we consider your claim.• Compensation while travelling. Regulations exist to assist and compensate you when delays occur with air travel. Regulation EU261 for example offers protection when you are travellingon a European based airline or with any airline in Europe. Please approach your airline as soon as you are aware of a delay impacting your flight. If you miss your departure, have problemsconnecting or need to cut your trip short, you should also check with your travel provider, (if you booked with a tour operator the Package Travel Directive, in most circumstances offers youfinancial/non-financial assistance) to discuss if they will arrange and compensate you for onward travel.• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. This limitationapplies even if you have purchased an optional trip disruption upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Pleasenote there is no cover under this policy if other government regulations or actions are in place restricting travel (see Government Restrictions below).If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the Cancelling Your Trip section in the Large-Scale Events Extension Optionalupgrade.• Knowing your trip would be disrupted. There is no cover if you bought this policy or booked your trip (whichever is last) when you were aware your trip would be cancelled or disrupted.For example, you buy a policy/book a trip after the FCDO announce against travelling to your destination or after the media announce air traffic control are striking at the time you will betravelling.• Government restrictions. Apart from Cancelling Your Trip base section, there is no cover under this policy where the claim is the result of a regulation, or action of a government restrictingtravel such as locking down an area, out-lawing travel, shutting borders or revoking visas. This exclusion applies regardless of such restrictions not being in place at the time you booked thetrip. This does not include governments putting health checks or medical testing requirements in place. Please refer to the exclusions listed under each section.Trip Disruption Before You Travel and During Your Trip DefinitionsThe following list of definitions apply specifically to the Trip Disruption sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.CrewEmployed staff that work and operate on a ship, aircraft or train whilst in flight/motion (this does not include ground staff or baggage handlers).Cyber TerrorismThe actual use or threat of use of disruptive activities against computers and networks, with the intention to cause harm, spread fear or cause severe disruption of infrastructure.Event dateThe point in time a natural catastrophe or terrorism event occurred as reported in the media or announced by a government, as determined by us.EpidemicAn outbreak of disease that spreads quickly and affects many individuals at the same time in a community..Natural CatastropheVolcanic activity, volcanic ash, earthquake, tsunami, hurricane, cyclone, flooding of more than 50 square kilometres, wildfire of more than 50 square kilometres.PandemicAn epidemic occurring worldwide, or over a very wide area which crosses international boundaries.15Prescription MedicationMedication prescribed by your medical practitioner which you need to prevent a deterioration or worsening of a medical condition.Terrorism EventAn event that has been declared an act of terrorism by the UK government or by the government of the country where the event happened, not including a terrorist attack that involves the useof nuclear, chemical, or biological devices or cyber terrorism.Travel and Accommodation CostsThe following costs that have been paid or are contracted to pay; which include accommodation and travel costs including excursions, park tickets, ATOL fees, booking fees, administration fees,change fees, credit card fees, seat selections, check-in fees, baggage fees, car parking expenses, cattery and kennel fee’s, car hire, and airport hotel.Travel ProviderAccommodation provider, airline, cruise operator, ferry operator, hotel, online travel aggregator, travel agent, train operator, tour operator, package travel provider.Trip Disruption Before You Travel and During Your Trip ExclusionsThe following apply to all Trip Disruption sections of cover.You are not covered for the following:1. Unused Travel and accommodation costs that you can get refunded from another source.2. Any claim where you bought this policy or booked the trip, knowing you would have to claim.3. Any claim caused by an epidemic or pandemic, (apart from some cover for COVID-19 as set out in the sections to follow).4. Claims which are the result of you not obtaining a visa or a visa being withdrawn.5. You not wanting to go on or continue with the trip.6. Where applicable, the excess for each section.7. When your trip is cancelled or disrupted because you do not have the correct vaccinations or proof of vaccinations.8. More than the maximum sum insured for each section. See the Cover Table.9. When you do not provide the documentation, we ask for to support your claim. Please refer to the Claims Evidence section.10. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel.11. The insolvency or failure of any travel provider to provide a service due to inability to trade of any travel provider. Please note this does not apply if your policy includes the EndSupplier Sections of cover.12. Anything not listed under “If this happened” under each section.13. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.14. Any claim caused by Cyber Terrorism.15. Any claim arising from radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.16. Any claim arising from war and war like activities whether declared or not.A1 Cancelling Your Trip – If you are unable to go on your tripIMPORTANT INFORMATION• Telling your travel and accommodation provider you need to cancel. You must tell your travel provider as soon as you know you must cancel. If you delay, the cancellation charges mayincrease, and we will not cover the additional charges. If you are claiming following a diagnosis from a medical practitioner, you should contact your travel provider within 7 days of being madeaware that cancellation is necessary.• Health of non-travelling people. You may have to cancel due to the poor health of an immediate relative, travelling companion or someone you are planning to stay with. For cover to applywe require that a medical practitioner confirms in writing that when you purchased this policy or booked the trip:O The non-insured party was not seriously ill in hospital or receiving palliative care andO There was no reason to expect their state of health to deteriorate so much that you would need to cancel.• Vouchers, credit notes and reward points. Trips already refunded by a voucher or credit note cannot be claimed while still valid. For trips paid by reward points we will pay the face value of thepoints not the advertised value of a trip.16If this happened: There is no cover for:Cover applies before you leave home to start your trip. We will pay up to the sum insured forunused travel and accommodation costs when you are unexpectedly forced to cancel due toone of the reasons listed below:PART A Excluding COVID-191. The death, injury, or illness of:a. Youb. An immediate relativec. A travelling companion or their immediate relatived. A person you are planning to stay with2. A medical practitioner advises against travel due to your or your travellingcompanions underlying health conditions, including pregnancy.3. Discovering that you or your travelling companion are pregnant after the date youbought this policy or after the date the trip was booked (whichever you did last). Thebooked return date must be within 12 weeks, (16 weeks for a multiple birth), of theexpected date of delivery.4. You are called for jury service or as a witness in a court of law, but not as an expertwitness or if your employment would normally require you to attend court.5. You are made involuntarily redundant, provided you qualify for redundancy paymentunder current UK legislation.6. You are a member of the Armed Forces, Police, Fire, certified medical professional youmust stay in your home country because your leave is cancelled, or you must remainon official duty abroad.7. Your home is damaged and unsafe to leave within 7 days of the start of your trip, asconfirmed by an emergency service.8. Yours or your travelling companions passport, visa or any other document thatprevents you from leaving the UK are stolen within 7 days of the start of your trip, andyou are unable to replace them before departure.9. You are confirmed unable to participate in a pre-planned and pre-paid activity by amedical practitioner, provided the activity is the main purpose of your trip.PART B COVID-19 Cover10. The death or hospitalisation of:a. Youb. An immediate relativec. A travelling companiond. A person you are planning to stay with,due to COVID-1911. Within 14 days of the start of your trip, you test positive for COVID-19 and self-isolation is required by a medical practitioner the NHS, or any UK government body.12. You are certified as too ill to travel due to COVID-19 by a medical practitioner.1. Claims for illness or injury where a medical certificate has not been obtained from amedical practitioner confirming it was necessary to cancel the trip.2. A claim for an existing medical condition suffered by you unless we have been told of thecondition and accepted cover in writing (please see Medical Health Declaration on Page 7).3. Air passenger duty (which can be reclaimed by you through your travel agent, tour operatoror airline).4. Any costs associated with timeshares, holiday property bonds or similar arrangements apartfrom direct rental charges for the period of your trip.5. Alcohol and/or drug abuse or alcohol and/or drug dependency which is evidenced by yourmedical records or the opinion of a medical practitioner.6. If you are under the influence and/or misuse of any prescribed/un-prescribed/illegalmedication or drug.7. Claims under “If this happened” Part B 11. if you purchase this policy or book a trip afteryou test positive for COVID-19 and the start date of your trip is within 14 days.8. Claims under “If this happened” Part B 11. where you have tested positive for COVID-19and the only evidence of this is a test taken at home that is not independently verified.9. Claims when self-isolation is not mandated by a medical practitioner, the NHS, or any UKgovernment body.10. Anything listed under the Trip Disruption Exclusions.17A2 End Supplier Failure – If your end supplier fails financially before you leave homeEnd Supplier Failure DefinitionsEnd supplierthe company that owns or operates the following services: scheduled airline, hotel, train operator including Eurostar, car ferries; villas abroad & cottages in the UK; coach operator, car orcamper hire company, caravan sites, campsites, mobile home, safaris; excursions; Eurotunnel; theme parks or attractions.Financial failuremeans the end supplier becoming Insolvent or has an administrator appointed and being unable to provide agreed services.We/Our/UsLiberty Mutual Insurance Europe SE.If this happened: There is no cover for:The Insurer will pay up to the sum insured for each Insured Person named on the Invoice forirrecoverable sums paid prior to Financial Failure of the End Supplier of the travelarrangements not forming part of an inclusive holiday prior to departure.PLEASE NOTE: This section of your policy is provided by International Passenger ProtectionLimited and is underwritten by Liberty Mutual Insurance Europe SE.Any occurrence which may give rise to a claim should be advised as soon as reasonablypracticable to:IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff, CF10 3DQ, United Kingdom.You can also email: insolvency-claims@ipplondon.co.ukor visit the website: www.ipplondon.co.uk/claims.aspOr you can call: +44 (0) 345 266 1872Please quote your policy number, travel insurance policy name and reference IPP ESFI V1-22.Open 9am-5pm Weekdays Only.1. Travel or Accommodation not booked within the United Kingdom, Channel Islands, Isle ofMan, Gibraltar or Northern Ireland prior to departure.2. Any End Supplier which is, or which any prospect of Financial Failure is known by theInsured or widely known publicly at the date of the Insured’s application under this policy.3. Any loss or part of a loss which at the time the loss happened was insured or guaranteed byany other existing policy, policies, bond, or was capable of recovery under Section 75 of theConsumer Credit Act or from any bank or card issuers or any other legal means.4. The Financial Failure of any travel agent, tour organiser, booking agent or consolidator withwhom you had booked travel or accommodation.5. Any losses which are not directly associated with the incident that caused you to claim. Forexample, loss due to being unable to reach your pre-booked hotel following the FinancialFailure of an airline.18B1-B3 Delay and Abandonment – If you are delayedIf this happened: There is no cover for:This section pays out a set amount for each 12 hours your transport is delayed due to one ofthe reasons listed below.1. Industrial action.2. Bad weather not including anything listed as a natural catastrophe.3. Technical fault of transportation including bird strikes.4. Shortage of crew.We will pay up to the sum insured which applies to your trip, not each time you are delayed.Cover applies under the following circumstances:1) Delay Benefita) Leaving the UKFor costs you may incur whilst you are at the terminal, such as restaurant meals,refreshments, or even additional accommodation. Cover applies once you have arrived atyour departure point and have checked in (or attempted to check in), in the event thatyour pre-booked public transport is delayed in its departure, this benefit will be awardedfor each full 12 hours your transport is delayed up to the sum insured.b) Returning to the UKFor costs you may incur whilst you are abroad, such as restaurant meals, refreshments, oreven additional accommodation. Cover applies once you have arrived at your departurepoint and have checked in (or attempted to check in), in the event that your pre-bookedpublic transport is delayed in its departure, this benefit will be awarded for each full 12hours your transport is delayed up to the sum insured.c) Cancelled DepartureIn the event you have been notified by your transport provider that your pre-booked andpaid transport has been cancelled by which means you are abroad and have incurredcosts for additional nights’ accommodation until your revised transport is scheduled toleave. The benefit will be awarded to go towards your additional costs. Cover is limited upto the sum insured, so any costs that you incur that exceed this amount will not becovered under this benefit.Alternatively, you may wish to consider “Additional transport costs”.We are unable to pay twice under this section for c) “Cancelled Departure” and 2“Additional transport costs”.or;1. Claims caused by a government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Delays caused by a natural catastrophe or a terrorism event.4. When airspace is closed.5. Trips taken just within the UK.6. Claims also paid under Missed Departure.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover in writing. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.192) Additional transport costsIf you are outside the UK and delayed by at least 24 hours beyond your original return date,we will pay up to the sum insured for additional transport costs to return you home whenthese are not paid by your travel provider. Any costs that you incur that exceed the suminsured will not be covered under this benefit. See information on compensation whiletravelling.B4 Delay and Abandonment – If you decide to abandon your travel plansIf this happened: There is no cover for:If you are on the outward leg of your journey (to your pre-booked final destination) from theUK and delayed by at least 12 hours due to one of the reasons listed below, you can claim forunused travel and accommodation costs.or;If the only reasonable alternative transport means you will lose more than 50% of your trip,you can claim for unused travel and accommodation costs under “Cutting Short Your Trip”.1. Industrial action.2. Bad weather not including anything listed as a natural catastrophe.3. Technical fault of transportation including bird strikes.4. Shortage of crew.1. Claims caused by a government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Delays caused by a natural catastrophe or a terrorism event.4. When airspace is closed.5. Trips taken just within the UK.6. Claims also paid under Missed Departure.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover in writing. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.20B5 Missed Departure from the UK – If you miss your departureIf this happened: There is no cover for:We will pay up to the sum insured if the reason for you missing your departure is listed belowfor:Additional travel and accommodation costs to get you to your destination if you are delayedon the way to your departure point in the UK and this causes you to miss pre-bookedtransportation.OrIf the only reasonable alternative transport means you will lose more than 50% of your trip youcan claim for unused travel and accommodation costs under ‘Cutting Short Your Trip – If youhave to cut short your trip’ section.1. Delay or cancellation of public transport due to:a. Industrial actionb. Bad weather not including anything listed as a natural catastrophec. Technical fault of transportation including bird strikesd. Shortage of crew2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed byan incident that causes traffic jams or road closures.3. The flight you are travelling on is diverted.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Costs associated with repair or recovery of a vehicle.4. Delays caused by a natural catastrophe, or terrorism event.5. When airspace is closed.6. Trips taken just within the UK.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory ,unless weprovided cover. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.Ensure you discuss additional travel and accommodation needs with your travel provider before claiming from us. See Compensation While Travelling.21B6 Missed Departure and Connection Outside the UK – If you miss your connectionIMPORTANT INFORMATION• Planning Your Connections. You must plan to leave enough time between arriving at your connection point and departing for the next leg of your journey, which should be at least theminimum time recommended for transfer by your transport provider.• Return Journey. For cover to apply on your return journey to the UK, you must have a return journey booked.• How we will pay you. If you miss pre-booked transportation due to an event listed under 'If this happened' stranding you abroad. We will pay up to the sum insured which applies to your tripand not each time your trip is disrupted.• Compensation while travelling. Ensure you discuss additional travel and accommodation needs with your travel provider before claiming from us.If this happened: There is no cover for:We will pay up to the sum insured for the following:1. Additional travel and accommodation costs2. The costs of essential prescription medication when your supply runs outIf the reason for you missing your pre-booked transportation whilst outside the UK due to oneof the reasons listed below for:1. Delay or cancellation of public transport due to:a. Industrial actionb. Bad weather not including anything listed as a natural catastrophec. Mechanical fault of transportation including bird strikesd. Shortage of crew2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed byan incident that causes traffic jams or road closures.3. Your flight being diverted.4. Travel documents are lost or stolen whilst you are outside the UK.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making the travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Costs associated with repair or recovery of a vehicle.4. Delays caused by natural catastrophe or terrorism event or airspace closure.5. Trips taken just within the UK.6. Claims for the return journey when you have no return trip booked.7. The cost of prescription medication where you have not taken sufficient supplies with youto last for the original duration of your trip.8. If you travelled against the advice of the Foreign, Commonwealth and Development Officeand the cause of the claim is related to the advisory unless we provided cover in writing.See information on Essential Travel.9. Anything listed under the Trip Disruption Exclusions.B7 Substitute Accommodation – If a major incident happens while you are awayIf this happened: There is no cover for:This section covers additional accommodation costs if you are forced to move from your pre-booked accommodation and into an alternative at the same destination. You must on your tripand have checked in to your original accommodation, it must be uninhabitable for a reasonlisted below for at least 24 hours. We will pay up to the sum insured for the same standard ofaccommodation as you originally booked when your travel provider does not supply analternative.1. An outbreak of food poisoning at your accommodation that forces it to close.2. Fire or storm damage (not listed as a natural catastrophe).3. The following key services not being provided at your booked accommodation;electricity, water (including no hot water), insufficient hotel staff available due toindustrial action.Cover is also provided for the emergency replenishment of prescription medication, up to amaximum of £150, if you are unable to access your prescription medication due to a problemwith your trip accommodation.1. Claims caused by any government taking action to restrict travel, such as, but not limited to,locking down a geographical region, closing borders, or making your travel illegal.2. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.3. Damage caused by natural catastrophe or a terrorism event.4. Costs that go above the standard of accommodation you originally booked5. Trips taken just within the UK.6. The cost of prescription medication where you have not taken sufficient supplies with youto last for the original duration of your trip.7. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover. See information on Essential Travel.8. Anything listed under the Trip Disruption Exclusions.22B8 Cutting Short Your Trip – If you have to cut short your tripIMPORTANT INFORMATION• Health of non-travelling people. You may have to cut short your trip due to the poor health of an immediate relative, travelling Companion or someone you are planning to stay with. Forcover to apply we require that a medical practitioner confirms in writing that when you purchased this policy or booked the trip:O The non-insured party was not seriously ill in hospital or receiving palliative care andO There was no reason to expect their state of health to deteriorate so much that you would need to cancel.• Vouchers, credit notes and reward points. For trips paid by vouchers, credit notes or reward points we will pay the face value of the voucher / points not the advertised value of a trip.• Contacting Us. If you need to return home early you must contact us before you travel back (Telephone 0333 005 1088) so that we can authorise any additional travel costs.If this happened: There is no cover for:If an emergency listed below forces you to end your trip earlier than your original return date,we will pay up to the sum insured for the following:1. The unused part of your travel and accommodation costs2. Additional travel costs necessary to get you home before your original return dateFor claims to be valid you must contact us before making travel arrangements back to the UKso that we can authorise additional costs to return home early.1. Unused Trip CostThe costs covered under this section must be pre-paid under contract before your tripbegins.We pay for each full 24-hour period not used from the time you:o Start the return journey; oro go into hospital as an inpatient; oro are confirmed unable to participate in a pre-planned and pre-paid activity bya medical practitioner, provided the activity is the main purpose of your trip.Where we are also paying under (2) “Additional costs to Return Home Early”, we willnot pay for the cost of your unused return flight.2. Additional Costs to Return Home EarlyWe will pay necessary additional costs over and above the cost of your original returnticket, of the same class you were due to travel home on. There is no cover if you hadnot purchased a return fare at the time you cut short your trip, or if your travelprovider transfers your original return ticket to a different flight.PART A Excluding COVID-191. The death, injury, or serious illness of:a. Youb. An immediate relativec. A travelling companion or their immediate relatived. A person you are planning to stay with2. An emergency service confirms you need to return home early due to an unexpectedevent happening while you were on your trip that has made your home unsafe to beleft uninhabited.1. Early return home claims when we did not authorise the travel arrangements.2. Claims where a medical certificate has not been obtained from the attending medicalpractitioner abroad confirming it was necessary to cut short the trip.3. A claim arising directly or indirectly from an existing medical condition suffered by youunless we have been told of the condition and accepted cover in writing (see MedicalHealth Requirements on page 7).4. Claims for death, illness or injury when you do not have a valid claim under Section B10 &B11 Emergency Medical Expenses.5. When you start your trip in the UK you are living in an area where travel has beenrestricted by the government and you are travelling against those restrictions.6. Air passenger duty (which can be reclaimed by you through your travel agent, tour operatoror airline).7. Any additional costs arising from you deciding to travel to any other destination other thanyour home country8. Any costs associated with timeshares, holiday property bonds or similar arrangements apartfrom direct rental charges for the period of your trip.9. Claims under “If this happened” part B if you purchase this policy or book a trip after youtest positive for COVID-19 and this led to your illness / hospitalisation.10. Claims under early return where you have not booked a return journey.11. If you travelled against a non-essential advisory from the Foreign, Commonwealth andDevelopment Office and the cause of the claim is related to the advisory, unless weprovided cover. See information on Essential Travel.12. Anything listed under the Trip Disruption Exclusions.233. You are a member of the Armed Forces, Police, Fire, or a certified medical professionaland your leave is cancelled necessitating the end of your trip.PART B COVID-19 Cover4. Following a positive diagnosis of COVID-19, The death or hospitalisation of:a. You.b. An immediate relative.c. A travelling companion.d. A person you are planning to stay with.5. During your trip, you test positive for COVID-19 and advised self-isolation is required bya medical practitioner, health authority or government body.24B9 End Supplier Failure – If your end supplier fails financially while you are awayEnd Supplier Failure DefinitionsEnd supplierthe company that owns or operates the following services: scheduled airline, hotel, train operator including Eurostar, car ferries; villas abroad & cottages in the UK; coach operator, car orcamper hire company, caravan sites, campsites, mobile home, safaris; excursions; Eurotunnel; theme parks or attractions.Financial failuremeans the end supplier becoming Insolvent or has an administrator appointed and being unable to provide agreed services.We/Our/UsLiberty Mutual Insurance Europe SE.If this happened: There is no cover for:In the event of Financial Failure after departure the Insurer will pay up to the sum insured foreach Insured Person named of the Invoice for:i. additional pro rata costs incurred by the Insured Person(s) in replacing that part of thetravel arrangements to a similar standard of transportation as enjoyed prior to thecurtailment of the travel arrangementsOrii. if curtailment of the holiday is unavoidable – the cost of return transportation to theUnited Kingdom, Channel Islands, Isle of Man, Gibraltar or Northern Ireland to a similarstandard of transportation as enjoyed prior to the curtailment of the travelarrangements.PLEASE NOTE: This section of your policy is provided by International Passenger ProtectionLimited and is underwritten by Liberty Mutual Insurance Europe SE.Any occurrence which may give rise to a claim should be advised as soon as reasonablypracticable to:IPP Claims at Sedgwick, Oakleigh House, 14-15 Park Place, Cardiff, CF10 3DQ, United Kingdom.You can also email: insolvency-claims@ipplondon.co.ukor visit the website: www.ipplondon.co.uk/claims.aspOr you can call: +44 (0) 345 266 1872Please quote your policy number, travel insurance policy name and reference IPP ESFI V1-22.Open 9am-5pm Weekdays Only.1. Travel or Accommodation not booked within the United Kingdom, Channel Islands, Isle ofMan, Gibraltar or Northern Ireland prior to departure.2. Any End Supplier which is, or which any prospect of Financial Failure is known by theInsured or widely known publicly at the date of the Insured’s application under this policy.3. Any loss or part of a loss which at the time the loss happened was insured or guaranteed byany other existing policy, policies, bond, or was capable of recovery under Section 75 of theConsumer Credit Act or from any bank or card issuers or any other legal means.4. The Financial Failure of any travel agent, tour organiser, booking agent or consolidator withwhom you had booked travel or accommodation.5. Any losses which are not directly associated with the incident that caused you to claim. Forexample, loss due to being unable to reach your pre-booked hotel following the FinancialFailure of an airline.25MEDICAL SECTIONS OF COVERThe following sections provide cover when you are receiving emergency medical treatment because of the onset of an illness or injury during your trip.Medical cover does not automatically apply when you take part in certain sports and activities. If you are taking part in winter sports, you must purchase a Winter Sports Policy. For other sportsand activities please check the Sports and Activities section of this policy on page 36-41 to see if cover applies.IMPORTANT INFORMATION• Medical Health Requirements. This insurance does not automatically provide cover for medical conditions you are already experiencing when you purchase this policy or for conditions youexperienced in the past. Please review the Medical Health Requirements on page 7.• Emergency Cover. This policy is not private medical insurance; we cover treatment which cannot wait until you return home from your trip, with the aim of ensuring you are well enough toreturn to the UK, which may include cutting your trip short, or to continue your trip as planned.• Medical Treatment. Cover applies if you are receiving medical treatment for a symptomatic illness or an injury. There is no cover if you test positive for a disease but require no medicaltreatment.• Essential Travel / Foreign, Commonwealth and Development Office (FCDO) travel advisories. From time to time the FCDO will advise to only undertake essential travel to a particulardestination. If your trip is not essential and you choose to travel contrary to the FCDO’s advice, we will only cover a claim if the cause is not linked to the reason for the advice. You may beable to travel with full cover if we authorise in writing that your trip is essential before you depart. Please note there is no cover under this policy if other government regulations or actionsare in place restricting travel (see Government Restrictions below). If the FCDO have advised against all travel to your destination, there is no cover under this policy apart from the‘Cancelling Your Trip Section in the Large Scale Events Extension optional upgrade’.• Requirement to Contact Us. You or someone acting on your behalf must contact us once you are aware you will be admitted as an inpatient for at least one night’s stay. If you do notcontact us as soon as you are aware of your admittance and this causes our costs to increase, we will only pay for the costs we would have paid if you had contacted us straight away.Additional transportation or accommodation costs are only covered when they are pre-authorised by us. Telephone number 0333 005 1088.• Outpatient Treatment. If you are in SPAIN, GREECE, CYPRUS, PORTUGAL, MALTA, EGYPT, BULGARIA or TURKEY and need out-patient medical treatment please provide a copy of your policydocumentation to the treating medical practitioner and your treatment will be paid by Global Excel Management Europe in line with the policy entitlements. You willbe asked to fill in a simple form to confirm the treatment. The medical practitioner will send the form to Global Excel together with the balance of the medical bill afterdeduction of the excess you may have paid to the medical practitioner. The medical practitioner can email these details to: europe@globalexcel.com• Reciprocal Health Agreements. Europe: If you are a United Kingdom resident you are entitled to state-provided medical healthcare when temporarily visiting countries in the EuropeanUnion (EU) only. You will have access to treatment at the same cost as residents of the country you are visiting. In some countries, state healthcare is not completely free to residents andthere may be a cost for your treatment. You can apply for a GHIC (Global Health Insurance Card) for yourself, partner, and any dependent children under the age of 16. You can apply onlineat www.ghic.org.uk. If we agree to pay for a medical expense which has been reduced by a value at least equivalent to the excess because you have used a GHIC, we will not deduct theexcess under Section B10 & B11 Emergency Medical Expenses, and Medical Repatriation.Australasia: There are reciprocal medical treatment arrangements for United Kingdom nationals travelling in Australasia. If you need medical treatment in Australia, you must enrol with alocal MEDICARE office. You do not need to enrol when you arrive, but you must do this after the first occasion you receive treatment. In-patient and out-patient treatment at a publichospital will then be available free of charge or at a minimal cost. Details of how to enrol and the free treatment available can be found by visiting the MEDICARE websitewww.medicareaustralia.gov.au.26Medical DefinitionsThe following list of definitions apply to all sections of the Medical Cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.Manual WorkWork that is physical, including construction, installation, assembly and building work. Including working with domestic or wild animals, humanitarian, carer, or work in any medical capacity. Thisdoes not include bar and restaurant staff, non-professional musicians / singers and fruit pickers (who do not use machinery).Medical PractitionerA registered practicing member of the medical profession who is not related to you or to a travelling companion or is anyone you are intending to stay with.Medical ExclusionsThe following exclusions apply to all sections of the Medical Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation, we ask for to support your claim. Please refer to the Claims Evidence section.4. Any claim relating directly or indirectly to an existing medical condition unless you have told us about the condition, and we have accepted cover in writing (see Medical HealthRequirements on Page 7).5. Any other loss, damage or additional expense resulting directly or indirectly from the cause of your claim, unless we provide cover under this insurance. For example, a claim for loss ofearnings after you have been injured on a trip is not covered.6. Unnecessary exposure to risk or danger, except in an endeavour to save a human life.7. You knowingly putting yourself at risk, unless you were trying to save your own or someone else’s life.8. When you drink too much alcohol which is evidenced by one of the following:a) a medical practitioner stating that your alcohol consumption has caused or actively contributed to your injury or illness.b) the results of a blood test which shows that your blood alcohol level exceeds 0.19% which is approximately 2.5 times the legal drink driving limit in the UK.c) a witness report from a 3rd party or a police incident report.d) your own admission.9. Medical claims arising from alcohol and/or drug abuse or alcohol and/or drug dependency which is evidenced by your medical records or the opinion of a medical practitioner.10. When you are under the influence and/or misuse of any prescribed/un-prescribed/illegal medication or drug (including any solvents or substances).11. You or any person climbing, jumping, or moving balcony to balcony or across the outside of a building, regardless of the height.12. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development and Development Office (FCDO) advising against non-essential trips and there are no other governmentrestrictions in place, cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.13. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.14. Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirmsyou have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity). Riding/use of quad bikes and ATV’s isexcluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities. Riding/useof electronic scooters is not covered at any time.15. Any claim caused by you undertaking manual work.16. Any claim where you are taking part in or training for any sport or activity in a professional capacity.17. Any claim arising from taking part in high risk activity unless you have purchased the appropriate extension.18. Claims arising when you are taking part in a sport and activity that we do not cover.19. Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act including your failure to comply with the laws applicable to the country in whichyou are travelling.20. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.21. Any claim arising from radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.22. Any claim arising from war and war like activities whether declared or not.27B10-B11 Emergency Medical Expenses and Medical Repatriation – If you need emergency medical treatment abroad & If you need to be brought homeIf this happened: There is no cover for:Emergency Medical ExpensesThis section covers medical expenses, up to the sum insured, if during your tripabroad you become ill or suffer an injury and it is necessary to receive treatment froma medical practitioner as an inpatient or outpatient. Medical expenses incurred in theUK are not covered.Medical RepatriationIf there is a valid claim for emergency medical expenses, this section provides cover upto the sum insured when you are not well enough to return home as planned orcontinue your journey as planned. If you choose not to follow our instructions to berepatriated home or to be moved to a medical facility in a different location, coverageunder all sections of this policy will end. Costs must be pre-authorised by us, as soonas you are aware that you will be admitted as an inpatient for at least 1 nights stayyou, or someone acting on your behalf must contact us.Cover is provided under this section for:1. Medical costs arising from treatment received as either an inpatient or outpatient.2. Medical repatriation or evacuation costs when arranged by us.3. The cost of services provided by an ambulance or the taxi fare for the first journey to amedical facility.4. Telephone charges that you incur contacting us up to a maximum of £50.5. Taxi fares, to and from a medical facility provided the reason for the journey is for you toreceive medical treatment or collect prescribed medication up to £150.6. Emergency dental work for the relief of pain only.1. Any claim relating directly or indirectly to a pre-existing medical condition unless you havetold us about the condition, and we have accepted cover in writing (see Medical HealthRequirements on Page 7.2. Any costs when you are travelling against the advice of a medical practitioner (or would betravelling against the advice of a medical practitioner had you asked for advice).3. Any costs which in the opinion of the treating medical practitioner or in our opinion are notmedically necessary or can be delayed until your return to your home country. If thetreating medical practitioners’ opinion is not the same as our doctor’s opinion, then ourdoctor’s opinion takes priority.4. Additional costs incurred if you choose not to follow our repatriation plan.5. If you have been diagnosed with a terminal illness before starting the trip.6. A private room unless approved by us and we agree this is medically necessary.7. Medication and/or treatment which at the time you started the trip you knew would beneeded.8. The cost of COVID-19 tests.9. Any claim arising from anyone not taking prescribed medication correctly or not managing acondition correctly.10. Any costs where you are travelling for the purposes of obtaining medical or dentaltreatment, or in the knowledge that you will need treatment, tests, or investigations.11. Expenses incurred because you have not had vaccinations recommended to travel to yourdestination to protect against tropical diseases12. Medical expenses incurred in the UK.13. Search and rescue costs billed to you by a government, regulated authority or privateorganisation spent in connection with looking for and rescuing you unless it is medicallynecessary.14. Costs if you are asymptomatic and not receiving treatment to deal with an illness.15. Anything listed under the Medical Exclusions.28B12 Emergency Medical Expenses and Medical Repatriation – Additional Accommodation and Travelling ExpensesIf this happened: There is no cover for:If you have a covered claim under Emergency Medical Expenses and Medical Repatriation andwe consider it is medically necessary, this section covers the following:1. Additional costs for one person to stay with you: or2. Additional costs for one person to travel out from the UK to stay with you: or3. Additional costs for accommodation of a similar standard originally booked (if you areunable to use your original booked accommodation) within the period of the plannedtrip, or if it is medically necessary for you to stay after the date you were due toreturn home.4. Where it is necessary, we will pay to send one appropriate person to travel to you tohelp look after a child or to escort them home.No transport or accommodation costs are covered unless they are pre-authorised by us.1. Anything listed under the Medical Exclusions.B13-B14 Emergency Medical Expenses and Medical Repatriation – If you are buried or cremated abroad and If your body or ashes need to be brought homeIf this happened: There is no cover for:In the event of your death outside the UK this section will cover up to the sum insured foreither the cost of a funeral in the country in which you died or the costs of bringing yourremains back to your home country. We will make all the funeral or repatriationarrangements. Please note costs not authorised by us are not covered.1. Anything listed under the Medical Exclusions.B15-B16 Hospital Benefit – If you are admitted to a public hospitalIf this happened: There is no cover for:This section pays a set monetary amount as shown in the Cover Table, for each full 24-hourperiod you are hospitalised as an in-patient, up to a maximum number of days, provided youhave a covered claim under the Emergency Medical Expenses and Medical RepatriationSection.1. Anything listed under the Medical Exclusions.B17 Physiotherapy and Dental Treatment After You Return Home – If you need physiotherapy and/or dental treatment after you return homeIf this happened: There is no cover for:In the event that you are injured and require physiotherapy and/or dental treatment whichneeds to be continued after you return home. We will pay, up to the sum insured, towards thecost of ongoing physiotherapy and/or dental charges that we have agreed to.1. Claims where you cannot produce receipts for the additional cost of treatment.2. Anything listed under the Medical Exclusions.29PERSONAL BELONGINGS SECTIONS OF COVERThis policy offers cover if the personal belongings you own and take with you on a trip are lost, stolen, damaged or destroyed.IMPORTANT INFORMATION• How we assess how much we will pay you:1. Wear tear and loss of value. What we pay is based on the value of the items when they were lost or damaged. A deduction will be made for wear, tear and loss of value based onthe age of the property. The amount we will deduct is set out in the Depreciation Table below.2. Limits on single items / valuables and electronic equipment. A limit is applied to each single item and to all valuables and electronic equipment you have taken with you. The limitsare set out on the Cover Table.Depreciation Table – the table below sets out the amount deducted from your claim.Age of Property Clothing and Personal Effects Jewellery Electronic Equipment Cosmetics, Toiletries & Perfumes Gadgets0-1 month 0% 0% 0% 50% 0%1-6 months 5% 0% 5% 50% 5%6 – 12 months 10% 0% 10% 50% 10%1 – 2 years 15% 5% 20% 60% 20%2 – 3 years 20% 10% 30% 70% 30%3 - 4 years 25% 15% 40% 80% 40%4 – 5 years 30% 20% 50% 90% 50%6 years + 40% 25% 60% 95% 60%• You must take reasonable steps to protect your personal baggage from loss, theft, or damage:o Unattended items. Do not leave your baggage unattended. There is no cover if your belongings are lost, stolen, damaged or destroyed while unattended.o While you are in transit. Valuables and electronic equipment, money, travel documents and gadgets should be carried with you whenever possible. There is no cover for valuablesand electronic equipment, money, travel documents and gadgets that are lost or damaged when checked into the hold or left unattended unless the public transport carrierinsists, they are checked in.o Storing items while on the trip. When you are not traveling and not present in your accommodation, valuables and electronic equipment, money, travel documents and gadgetsnot taken with you must be kept in a locked safety deposit. If no safety deposit box is available, they must be stored out of plain view.• Requirement to report lost or stolen baggage: You must report lost or stolen items within 24 hours to the police and provide us with a police report. If your baggage goes missing whilein the custody of a transport provider, you need to obtain a property irregularity report from them. This includes bags that are delayed in transit.Personal Belongings DefinitionsThe following list of definitions apply specifically to the Personal Baggage sections of cover and appear in bold throughout. See also General Definitions for the meaning of other bolded words.GadgetMobile/smart phones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, and drones.Medical FittingsDentures, prosthesis and hearing aids.MoneyHard currency, i.e. bank notes and coins.Single ItemEach item carried in your personal baggage on a trip. A pair or set of items (for example earrings) will be considered a single item.30Sports Equipment- Any Cycle, including a mountain bike, powered by human pedalling and any cycling specific: helmets, hats or caps, shoes, overshoes, jerseys or vests, base layers, gilets, gloves, glassesand goggles, jackets, shorts, bib shorts, bibs, biblongs, tights, trousers, socks, warmers, compression clothing, backpacks, water bottles and cages, hydration packs, cycling lights, cycleluggage, panniers, saddle bags, cycling tools, cycling armour and guards, spare wheel.- Any Golf clubs, golf balls, golf bag, golf trolley, golf shoes and golf specific waterproof clothing.- Any Motorcycle, Moped, Crash helmet, leathers, protective clothing, boots, gloves, tail pack, tank bag.- Any Ropes, pitons and belays, crampons, ice axes, snow shoes, shovels, camping equipment including tents, sleeping bags, stoves.- Any sea going vessel and any Sailing specific: GPS Units (Global Positioning System), radios, lifesaver vest, waterproof clothing.- Any Tanks, cylinders, respirators, rebreathers, regulators, pressure gauges, depth gauges, weights, jackets and weight belts, wet suits, fins, masks, snorkels, dive bags.- Any Skis, including bindings, ski boots, ski poles and snowboards.Travel DocumentsTravel tickets, Green Card, driving licence, visas, prepaid car-hire or accommodation vouchers and passports.UnattendedWhen not in transit where you or anyone travelling with you, who has your authority to be in control of your personal baggage, are not in full view of your property, or are not able to stop athird party from taking or interfering with your property. While in transit baggage (excluding gadgets and valuables and electronic equipment) must be held in a hold or luggage area as requiredby the public transport carrier.Valuables and electronic equipmentWatches, jewellery, items made of or containing precious stones, semi-precious stones, gold, silver or platinum, camcorders and accessories, all photographic/ digital/ optical/ audio/ videomedia, iPods, MP3/4 players or similar and/or accessories, E-book readers, satellite navigation systems.Personal Belongings ExclusionsThe following exclusions apply to all sections of the Personal Belongings Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. Sports equipment while in use. Sports equipment can be covered if the additional premium has been paid to purchase a specific extension.5. Sports equipment when you have not purchased the appropriate extension.6. Claims for loss or theft when you are not able to provide us with a police report or a property irregularity report.7. The following items: medical fittings, boats, pedal cycles, motorised vehicles, food or drink or goods containing tobacco.8. Fragile items are not covered for damage while in transit. For example, anything made of china or glass.9. Any secondary loss, damage or additional expense arising from your claim beyond the actual value of the item you are claiming for. For example, cost of replacing locks after losing yourkeys on a trip is not covered, or the cost of travelling to an airport to pick up your baggage after it has been delayed in transit.10. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development Office (FCDO) advising against non-essential trips and there are no other government restrictions in place,cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.11. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.12. Loss, damage, or delay caused by confiscation or detention by Customs or other officials or authorities.13. Loss following any variation in exchange rates.14. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment,service, benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.15. Costs associated with downloaded content or unauthorised use of your gadget, such as calls.16. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.17. Any claim arising from war and war like activities whether declared or not.18. Items owned by a business or used for business purposes, including cash.31B18 Baggage Delay – If your checked-in baggage is delayedIf this happened: There is no cover for:Under this section we will pay up to the sum insured to contribute towards the purchase orhire of essential items if your baggage is delayed reaching you by at least 12 hours provided thedelay does not happen in the UK or on your return journey to the UK.If your baggage is permanently lost, any claim under the Personal Baggage section will bereduced by the amount paid out under Baggage Delay. You must keep all receipts for the itemsyou have purchased.1. Anything listed under the Personal Belongings Exclusions.B19-B20 Personal Baggage – If your valuables are lost, stolen or accidently damaged and If your other possessions are lost, stolen or accidently damagedIf this happened: There is no cover for:This section covers you for items owned by you that are lost, stolen, damaged or destroyedduring your trip up to the sum insured.Personal baggage items that are lost, stolen, damaged or destroyed on the trip after adeduction is made for wear, tear and loss of value (see the Depreciation Table) and a limit isapplied to each single item and to all valuables and electronic equipment.The single item limit for this section is £250.The maximum limit for valuables and electronic equipment is £250.1. Personal baggage left unattended or in the custody of any person unless they are a familymember, travelling companion or have an official responsibility for the safety andsupervision of your property.2. Valuables and electronic equipment lost, stolen or damaged in transit that have beenchecked in unless your carrier insisted the items were checked in.3. Valuables and electronic equipment not carried with you or kept in a locked safety depositbox in your accommodation when one is available. If a safety deposit box is not available,there is no cover for valuables and electronic equipment not stored safely and hidden fromplain view.4. Items stolen from an unattended vehicle unless they were kept in a locked glovecompartment, roof box, rear boot or luggage and is covered so as not to be visible fromthe outside of the vehicle and there are signs of forced entry.5. Anything listed under the Personal Belongings Exclusions.B21 Personal Baggage – If your gadgets are lost, stolen or accidently damagedIf this happened: There is no cover for:Gadget(s) that are lost, stolen or damaged on a trip. What we pay is calculated on the value ofthe gadget at the time it is lost, damaged or stolen (see Depreciation Table). The sum insuredapplies to all gadget(s) owned by all insureds named on the policy.1. Gadgets left unattended or in the custody of any person unless they are a family member,travelling companion or have an official responsibility for the safety and supervision of yourproperty.2. Gadgets lost, stolen or damaged in transit that have been checked in.3. Gadgets not locked in a safety deposit box in your accommodation.4. Gadgets stolen from an unattended vehicle.5. Claims for loss or theft of mobile phones when you cannot provide proof of usage anddisconnection.6. Anything listed under the Personal Belongings Exclusions.32B22-B23 Money and Travel Documents – If your cash is lost or stolen and If you need emergency travel documentsIf this happened: There is no cover for:This section covers the following when your money or travel documents are lost or stolenduring your trip:1. Money in any currency.2. the cost of replacement travel documents needed to get you home.3. Additional costs you incur to organise replacing travel documents apart fromadditional accommodation or transport costs to return home if you miss yourcertificated departure. You may be able to claim for these costs under MissedDeparture Outside the UK.The cash limit set out in the Cover Table relates to the amount carried by one person whetherjointly owned or carried on behalf of another person.1. Transaction or credit card fees.2. Money held on pre-paid currency cards, uncashed travellers’ cheques.3. Travel documents covered by the issuer.4. Replacement value of visas that only cover this trip.5. Money and travel documents not kept with you while you are travelling.6. Money and travel documents not kept with you or not kept in a locked safety deposit boxin your accommodation.7. Anything listed under the Personal Belongings Exclusions.33PERSONAL ACCIDENT, PERSONAL LIABILITY AND LEGAL EXPENSES SECTIONS OF COVERThe next three sections cover the following:1. Personal Accident – Payment of a benefit if you are permanently injured or die as described in the section.2. Personal Liability – Compensation you are legally responsible to pay someone you caused injury to or damage to their property.3. Legal expenses – Legal costs if you have grounds to take legal action against a party.IMPORTANT INFORMATIONThere is no cover if you are participating in certain winter sports unless you have purchased a winter sports policy. Certain sports and activities do not include cover for Personal Accident orPersonal Liability, see Sports and Activities Section on page 36-41.Personal Accident, Personal Liability and Legal Expenses DefinitionsThe following list of definitions apply to the Personal Accident, Personal Liability and Legal Expenses sections of cover and appear in bold throughout the wording.Accidental Bodily InjuryA sudden, violent, external, unexpected specific event, which occurs at an identifiable time and place, which solely and independently of any other cause results within 12 months, in the death,Loss of Limb, Loss of Sight or the Permanent Total Disablement of an Insured Person.Immediate RelativeYour mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.Loss of LimbLoss by physical severance, or the total and irrecoverable permanent loss of use or function of an arm at or above the wrist joint or a leg at or above the ankle joint.Loss of SightTotal and irrecoverable loss of sight in one or both eye’s; this is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen scale.Manual WorkWork that is physical, including, but not limited to construction, installation, assembly and building work. Including working with domestic or wild animals. Humanitarian, carer or work in anymedical capacity. This does not include bar and restaurant staff, non-professional musicians / singers and fruit / vegetable pickers.Permanent Total DisablementA disability which has lasted for at least 12 months from which we believe you will never recover, and which prevents you from carrying out any gainful occupation for which you are fitted byway of training, education, or experience.Prospect of successA view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome.Personal Accident, Personal Liability and Legal Expenses ExclusionsThe following exclusions apply to Personal Accident, Personal Liability and Legal Expenses Cover.You are not covered for;1. Where applicable, the excess for each section.2. More than the maximum sum insured for each section. See the Cover Table.3. When you do not provide the documentation we ask for to support your claim. Please refer to the Claims Evidence section.4. If at the time of the loss, injury or damage there is any other indemnity or insurance which wholly or partly covers the same occurrence, the underwriters shall not be liable to pay orcontribute towards the loss or damage except in excess of the sums recovered or recoverable under the other indemnity or insurance.5. Claims if you travel at a time when any government has imposed restrictions on travel to the geographical location you live in the UK or the area you are travelling to and you break theconditions of those restrictions.6. Exposure to risk or danger, except in an endeavour to save a human life.7. You knowingly putting yourself at risk, unless you were trying to save your own or someone else’s life.8. When You drink too much alcohol which is evidenced by one of the following;a. a medical practitioner stating that your alcohol consumption has caused or actively contributed to your injury or illness.b. the results of a blood test which shows that your blood alcohol level exceeds 0.19% which is approximately 2.5 times the legal drink driving limit in the UK.34c. a witness report from a 3rd party.d. your own admission.9. If you are under the influence and/or misuse of any prescribed/un-prescribed/illegal medication or drug (including any solvents or substances).10. You or any person climbing, jumping, or moving balcony to balcony or across the outside of a building, regardless of the height.11. Claims if you travel against government restrictions which have been put in place to prevent or limit travel from where you live in the UK or to the destination you are travelling to. Ifyou have travelled against the Foreign, Commonwealth and Development and Development Office (FCDO) advising against non-essential trips and there are no other governmentrestrictions in place, cover is limited to claims where the cause is not linked to the reason for the FCDO advisory. See information on Essential Travel.12. Any claim resulting from the Foreign, Commonwealth and Development Office advising against all travel to your destination.13. Any claim caused by you undertaking manual work.14. Any claim where you are taking part in or training for any sport or activity in a professional capacity.15. Any claim arising from taking part in winter sports unless you have purchased a specific winter sports extension.16. Any claim arising from you travelling on a cruise.17. Claims arising when you are taking part in a sport or activity that we do not cover or excludes personal liability or personal accident cover.18. Any claim arising or resulting from you being involved in any malicious, reckless, illegal, or criminal act including your failure to comply with the laws applicable to the country in whichyou are travelling.19. We will not be held liable to provide cover or make any payments or provide any service or benefit to any insured person or other party to the extent that such cover, payment, service,benefit and/or business or activity of the insured person would violate any trade or economic sanctions law or regulation.20. Any claim where property is lost or damaged due to radioactive contamination, the use of, release of, or a threat to use any nuclear device, chemical, or biological weapon.21. Any claim arising from war and war like activities whether declared or not.35B24 Personal Accident – If you are killed, injured or disabled following an accidentIf this happened: There is no cover for:The amount shown in the Cover Table will be payable to you or your legal representative ifduring a trip you suffer accidental bodily injury that solely and directly results in one of theoutcomes listed below. You can only claim for one benefit under this section.Your:1. Death or2. Loss of limb or3. Loss of sight or4. Permanent total disablementArising within one year of you suffering accidental bodily injury.1. If your disablement is caused by mental or psychological trauma not involving youraccidental bodily injury.2. If your death or disability happens over 1 year from the date of your accidental bodilyinjury.3. Claims not supported by a medical report or a death certificate.4. Any claim arising from a sports activity where Personal Accident cover is specificallyexcluded under this policy (see Sports and Activities on page 36-41).5. Any claim arising as a result of you driving a motor car or riding motorcycle unless you havea full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be125cc or lower, unless you have paid the additional premium and your policy scheduleconfirms you have the appropriate optional activity pack to include cover for activitiesinvolving motorcycles with the specified increased engine capacity). Riding/use of quadbikes and ATV’s is excluded unless you have paid the additional premium and your policyschedule confirms you have the appropriate optional activity pack to include cover forthese activities. Riding/use of electronic scooters is not covered at any time.6. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.B25 Personal Liability – If you are held legally liable for injury or damageIf this happened: There is no cover for:This section will cover you if during a trip you are involved in an accident which results in youbecoming legally responsible to pay compensation for:• Accidental bodily injury or death to a party other than an immediate relative or atravelling companion; and / or• Accidental loss or damage to property, which is not owned by you, an immediaterelative or a travelling companion.We will pay up to the sum insured which applies to all people named on the policy, not to eachinsured, and covers all events occurring on a trip.Cover is provided for:1. All sums you are legally responsible to pay as compensation up to the sum insured.2. Reasonable and necessary legal costs and expenses incurred by you in relation to theaccident if you have our agreement before incurring any cost.1. Any fines or exemplary damages (this means they are aimed at punishing the personresponsible rather than awarding compensation).2. Claims made by your family or people who work for you.3. Claims resulting from:a. your work or involvement in paid or unpaid manual work of any kind.b. you taking part in any activity where this policy excludes Personal Liability cover(see Sports and Activities Page 36-41).c. you owning or occupying any land or building, unless you are occupying temporaryholiday accommodation, not owned by you.d. any agreement unless liability would have existed without that agreemente. you owning, handling, riding or looking after any animal; orf. you owning, possessing or using a firearm, a horse drawn, mechanical, motorised ortowed vehicle, a waterborne vessel or craft (except manually propelled watercraft,an aircraft of any description, including unpowered flight and drones.4. Wilful or malicious acts.5. Property belonging to you or held in trust by you.6. Liability arising due to a contractual agreement which would not exist in law if such anagreement had not been made.7. Any claims where you admit liability or promise to make payment without our prior writtenconsent.8. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.36B26 Legal Expenses – If you need legal adviceIMPORTANT INFORMATION• We shall have complete control over the legal proceedings, though you have the right not to agree to use the Lawyers we propose.• You must notify us as soon as possible of any incident which may give rise to a claim, and at the latest, within 90 days of the incident happening.• Lawyers appointed must be qualified to practice in the country where the event happened or the defendant’s country of residence.• If we cannot agree on which Lawyer to nominate, we will ask the relevant national law society to choose a suitably qualified party to represent you. While this process is on-going, we willappoint a Lawyer to protect your interests.• If you are awarded damages, all sums advanced by us will be repaid out of the damages once you have received payment.• We can choose to conduct legal proceedings instituted in the United States of America or Canada under the contingency fee system operating in North America.• We will not begin legal proceedings in more than one country.If this happened: There is no cover for:This section will cover legal costs up to the sum insured to undertake a civil action for damagesif someone else causes you bodily Injury or death while you are on a trip. You must obtain ouragreement to pursue the legal action if you are claiming under this section before you startproceedings.Cover is provided for:Reasonable and necessary legal costs to undertake a civil action, up to the sum insuredprovided you obtain our agreement to pursue the legal action before you start proceedings.Additional travel expenses in the event that a court outside your home country requires you toattend in connection with an event giving rise to an action under this section, up to a maximumper insured person of £1,000.1. The pursuit of a claim against us, our agent or an Insurer underwriting any section of thispolicy, or a travel agent, tour operator public transport provider.2. Actions between Insured Persons, or actions pursued to obtain satisfaction of a judgementor legally binding decision.3. Any advice or any claim arising in connection with a trip taken within your home country.4. Any expenses spent before obtaining our agreement to pursue legal action.5. Any claim arising as a result of you driving a motor car or riding motorcycle unless you havea full UK licence, or valid CBT certificate (DL196), are following the local safety laws and youare riding on recognised roads. In respect of motorcycling the engine capacity must be125cc or lower, unless you have paid the additional premium and your policy scheduleconfirms you have the appropriate optional activity pack to include cover for activitiesinvolving motorcycles with the specified increased engine capacity). Riding/use of quadbikes and ATV’s is excluded unless you have paid the additional premium and your policyschedule confirms you have the appropriate optional activity pack to include cover forthese activities. Riding/use of electronic scooters is not covered at any time.6. Any claim where in our opinion there is an insufficient prospect of success in obtainingreasonable compensation.7. Any claim where the legal costs and expenses are likely to be greater than the anticipatedamount of compensation.8. Any claims where the legal costs and expenses are variable depending on the outcome ofthe claim.9. The costs of any appeal.10. Anything Specifically listed in the Personal Accident, Personal Liability and Legal Exclusions.37SPORTS AND ACTIVITIESThis policy automatically provides cover for a wide range of sports and activities which you may participate in during your trip without the need to pay an additional premium, provided theactivity is accessible to the general public and does not require specialist training or qualifications. Cover is subject to you using recommended safety equipment (such as a helmet, harness, kneeand/or elbow pads), and following safety procedures, rules and instructions of qualified instructors. If the sport or activity is provided by a local operator you must ensure they are appropriatelyqualified and licenced. Further cover can be added to your policy for an additional premium.To see a full list of activities covered under this policy:- click here or go to https://www.dogtag.co.uk/sports/EligibilityWe are unable to provide cover for anyone participating in any sport or activity if you are participating in or training:• For a competition or a tournament unless otherwise stated.• On a professional or semi-professional basis.Special ConditionsPlease Note: Our policy covers medical rescue where necessary. No cover is provided for any additional costs incurred to find you if people don’t know where you are.Some of the activities we cover have ‘Special Conditions’ applied when taking part. Please see key below for more details:* No Personal Accident or Personal Liability cover** Must wear/use protective/safety equipment*** As part of an event/experience run by professionals# Pre-registered (individual or group) organised competitionInshore – Within 12 nautical miles of the coastlineOffshore – Within 30 nautical miles of the coastlineWinter Sports Extension Required – You must purchase and pay for the Winter Sports Extension otherwise no cover will be in placeSport PackAbseiling (within organiser’s guidelines) *** Aerial Safaris (in chartered aircraft and an organisedexcursion) AerobicsAirsoft *, **, *** Amateur Athletic Track and Field Events * Angling (Inshore Only)Animal Sanctuary/ Refuge Work (Non-Big Game) Archaeological Digging Archery *Assault Course Badminton Bamboo Rafting (Inshore Only)Banana Boating (Inshore Only) Bar and Restaurant Work Baseball *Basketball Beach Games Biathlon *Billiards Blading (No Stunts) BMX Cycling (No Freestyle)Board Sailing (Inshore Only) * Body Boarding (Inshore Only) Boogie Boarding (Inshore Only)Bowling/ Bowls Bungee Jumping *, **, *** Cable Car RideCamel Riding/ Trekking * Canoeing/Rafting/ White Water Rafting/ Kayaking up to grade3 (Inshore Only) ** Catamaran/ Yachting/ Sailing (Inshore Only) *Cheerleading Clay Pigeon Shooting/ Small Bore Target Shooting/ Rifle Range* Climbing (on climbing wall only) **Cricket Croquet Cross Country RunningCurling Cycling (Excluding Mountain Biking, BMX and Touring) Dancing (including lesson participation)Darts Dinghy Sailing (Inshore Only) * Diving (High Diving or Spring Board) (Swimming Pools Only)Dodgeball Dog Sledding (Recreational Only) Dry Slope Skiing/ BoardingDragon Boat Racing (Inshore Only) * Elephant Riding/ Trekking * Falconry **38Fell Running (up to 4,000 metres) Fell Walking (up to 4,000 metres) Fencing *, **Fishing (Inshore Only) Fives Flag American FootballFlying as a Passenger in an Aircraft (Private Plane/ Helicopter/Glider) *, *** Football (Amateur Match and Training Only) Fruit or vegetable picking (under 3 metres)Frisbee/Ultimate Frisbee Glass bottom boats/ bubbles Gliding (Passenger Only) *, ***Go Karting (up to 120cc, wearing a helmet) * Goalball GolfGorilla Trekking (Organised Tours Only) *** Gym – Fitness GymnasticsHandball High Diving (Swimming Pools Only) Highland Games - Athletics Events (Amateur CompetitionOnly)Hiking (up to 4,000 metres) Historical/Battle Re-enactment *, *** Hobie Cat Sailing (Inshore Only) *Hockey (Field Hockey) Horse Riding (Dressage) ** Horse Riding (wearing a helmet and excluding racing, jumping,hunting and less than 7 days) **Hot Air Ballooning (Passenger Only) * Hot Dogging (up to grade 3) Hot SpringsHusky Dog Sledding Hydro Zorbing Ice Cricket *Ice Skating (Rink Only) Ice Surfing * Jet Boating (Inshore Only) *Jogging Kayaking incl. White Water up to grade 3 (Inshore Only) ** KorfballLand Skiing Langlauf (Winter Sports Extension Required) Llama Riding/ Trekking *Low Ropes Model Flying *Motorcycling (Requires a full UK licence or you must havepassed CBT training, must be wearing a helmet and riding onrecognised roads only) *, **Mountain Biking – Recreational (Not Downhill) ** Mule Trekking * NetballOctopush Off Piste Skiing (Winter Sports Extension Required) Off Piste Snowboarding (Winter Sports Extension Required)Orienteering (up to 4,000 metres above sea level) Ostrich Riding * Paintballing *, **, ***Parachuting (Tandem Only) *, **, *** Parascending/Parasailing – Over Water (Inshore Only) *, **,*** Pedalo (Inshore Only)Petanque Pigeon Racing PilatesPolo (Water) Pony Trekking *, ** PoolPower Boating (Passenger Only) – (Inshore Only) * Quoits Racquet Ball/ Rackets *Rambling (up to 4,000 metres above sea level) Rap Running/ Jumping (Within Organisers Guidelines) ** Reverse Bungee *, **, ***Rifle Range * Ringos (Inshore Only) River Bugging *, **River Sledging *, ** River Tubing *, ** River Walking *, **Roller Skating/ Blading/ In-line (incidental, wearing pads,helmet and no stunts) ** Rounders Rowing (Inshore Only)Safari in a Vehicle/ Trekking/ Tracking (organised tour, no firearms) Sailboarding (Inshore Only) Sailing/ Yachting Recreational (Inshore Only) *Sand Boarding * Sand Dunning * Sand Skiing *Sand Surfing * Sand Yachting *Scuba Diving – to a depth of 30 metres (if qualified oraccompanied by qualified instructor and Not Solo) (InshoreOnly) **Sea Canoeing/ Kayaking (Inshore Only) ** Sea Fishing (Inshore Only) Shark Diving – Professionally supervised in a cage (InshoreOnly) **, ***39Shooting (Clay Pigeon) * Shooting (Target Range) *Skin Diving – to a depth of 30 metres (if qualified oraccompanied by a qualified instructor and Not Solo) (InshoreOnly) **Skateboarding (No Stunts) ** Skiing/ Snowboarding (Winter Sports Extension Required) Skiing/ Snowboarding – Cross Country (Winter SportsExtension Required)Skiing/ Snowboarding – Dry Slope (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Moguls (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Mono (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Nordic (Winter Sports ExtensionRequired)Skiing – Ski Racing e.g. ski school races etc (Winter SportsExtension Required) Skydiving (Tandem Only) *, **Sledding/ Sledging or Sleigh Riding – passenger only if pulledby Horse, Dogs or Reindeer (Winter Sports ExtensionRequired)Sledging/ Tobogganing (Winter Sports Extension Required) Small Bore Target Shooting *Snooker Snorkelling (Inshore Only) Snow Biking (Winter Sports Extension Required)Snow Shoeing (Winter Sports Extension Required) Soccer (Amateur Match and Training Only) SoftballSpeed Boating (Passenger Only) * Sphereing Spinning ClassSquash * Summer Tobogganing Surfing (Inshore)Swimming (Inshore Only) Swimming with Dolphins (Inshore Only) Swimming/ Bathing with Elephants (Inshore Only) *Sydney Harbour Bridge Walk (organised and walking acrossclipped onto a safety line) Table Tennis Tall Ship Crewing (Inshore Only) *Team Building Ten Pin Bowling TennisTobogganing/ Sledging (Winter Sports Extension Required) Touch Football Touch RugbyTrack Days – Car Only (In-Car Supervision Required) *, **, *** Trampolining Tree Top Trekking/ Canopy WalkingTriathlon # Tubing Tug of WarUltimate Frisbee Volleyball Wake Boarding (Inshore Only)Water Hockey Water Polo Water Skiing – No Jumping (Inshore Only)Wicker Basket Tobogganing Whale Watching (Inshore Only) Wheelchair BasketballWindsurfing (Inshore Only) Yachting Recreational (Inshore Only) * YogaZip-Lining/ Trekking/ Wiring **, *** Zorbing/ Hydro Zorbing **, ***40Sport + Pack (Includes activities listed in Sport Pack)American Football (Amateur Match and Training Only) ** Assault Courses including High Ropes Boxing (Training Only) **Brazilian Jiu Jitsu (Training Only) ** Breathing Observation Bubble (BOB) *** Canoeing/ Rafting/ White Water Rafting/ Kayaking grades 4and 5 (Inshore Only) *, **Climbing (mountaineering) up to 2,000m * Coasteering (With A Guide) ** Cyclo Cross **Deep Sea Fishing (Offshore) * Figure Skating Four x Four Off-Road Driving *, **, ***Gaelic Football Glacier Walking (Winter Sports Extension Required) Gorge Walking (With Ropes)Gymnastics (Involving Stunts) Hockey (Ball Hockey) ** Hockey (Ice Hockey) **Horse Riding (Show Jumping) ** Hurling ** Hydrospeeding (white water up to Grade 3) **, ***Ice Go Karting *, **, *** Ice Hockey ** Jet Skiing (Inshore Only) *Jiu Jitsu (Training Only) ** Judo (Training Only) ** Karate (Training Only) **Kayaking incl. White Water grades 4 and 5 (Inshore Only) *, ** Kendo (Training Only) ** Kick Boxing (Training Only) **Kite Snowboarding (Winter Sports Extension Required) Kite Surfing (Inshore Only) Krav Maga (Training Only) **Lacrosse Land Yachting Marathon – City and/ or Street #Modern Pentathlon Mountain Boarding ** Mountaineering up to 2,000m *Parascending/ Parasailing – Over Land *, **, *** Polocross *, ** Rock Climbing – up to 2,000m *Roller Derby ** Roller Hockey ** Rugby (Amateur Match and Training Only)Sailing Amateur Racing (Inshore Only) * Shinty ** Ski/ Snowboard Instructor Nordic Course (Winter SportsExtension Required)Ski/ Snowboard Instructor Adaptive/ Disabled Course (WinterSports Extension Required)Ski/ Snowboard Instructor Alpine Course (Winter SportsExtension Required)Ski/ Snowboard Instructor Coaching Course (Winter SportsExtension Required)Ski/ Snowboard Instructor In-service Course (Winter SportsExtension Required)Skiing/ Snowboarding - Back Country, with a Guide (WinterSports Extension Required)Skiing/ Snowboarding – Cat (Winter Sports ExtensionRequired)Skiing/ Snowboarding – Freestyle e.g. Terrain Park etc. NoInverted Aerials (Winter Sports Extension Required) Skiing – Ski Biking (Winter Sports Extension Required) Skiing – Ski Boarding (Winter Sports Extension Required)Skiing – Ski Dooing (Winter Sports Extension Required) * Skiing – Ski Touring (Winter Sports Extension Required) Skiing – Slopestyle – no inverted serials (Winter SportsExtension Required)Skiing – Snowcat (Winter Sports Extension Required) * Snow Blading (Winter Sports Extension Required) Snow Bobbing (Winter Sports Extension Required)Snow Mobil (Winter Sports Extension Required) * Snow Parascending (Winter Sports Extension Required) Snow Scooting (Winter Sports Extension Required) *Snow Tubing (Winter Sports Extension Required) Snowcat Driving (Winter Sports Extension Required) * Speed Sailing (Inshore Only) *Speed Skating (Winter Sports Extension Required) Storm Chasing * Street Hockey **Tae Kwon Do (Training Only) ** Telemarking (Winter Sports Extension Required) Thai Boxing/ Kick Boxing (Training Only) **Trapeze (Flying Trapeze) ** Trekking/ Hiking up to 2,000m Via Ferratta **, ***Wind Tunnel Flying Wrestling Yachting Amateur Racing (Inshore Only) *41Extreme Pack (Includes activities listed in Sport & Sport + Pack)Black Water Rafting (Grades 1-3) *, **, *** Blowcarting *, ** BMX Racing (Amateur Only) **Bouldering *, ** Bridge Swinging *, **, *** Buggying *Canyoning ** Climbing (mountaineering) up to 3,000m * Cycle Racing/ Time Trials *, **Downhill Mountain Biking (Recreational Only) ** Endurance Tests ** Flying – Tuition (with a licensed instructor) *, ***Gliding (learning with a qualified instructor) *, *** Highland Games - Heavy-Weight Events (Amateur CompetitionOnly) Horse Riding (Polo) **Horse Riding (Eventing) ** Hydrospeeding (white water Grades 4) **, *** Ice Windsurfing *Kettlebell Lifting Kite Buggying Mountain Biking – Downhill **Mountaineering up to 3,000m * Polo (Equestrian) *, ** Power Kiting *Power Lifting Quad Biking (up to 300cc) *, **, *** Rock Climbing – up to 3,000m *Scuba Diving to 50m (Must be PADI or equivalent qualified andNot Solo) ** Skateboarding Downhill ** Skateboarding Freestyle **Ski/ Snowboard Instructor Course – Residential Beginner(Winter Sports Extension Required)Skiing/ Snowboarding – Back Country, without a Guide(Winter Sports Extension Required)Skiing/ Snowboarding – Glacier (Winter Sports ExtensionRequired)Skiing /Snowboarding – Heli (Winter Sports ExtensionRequired) Skiing – Ski Blading (Winter Sports Extension Required) Skiing – Ski Race Training (Winter Sports Extension Required)Skiing – Ski Randonee (Winter Sports Extension Required) Snow Go Karting (Winter Sports Extension Required) *, ** Swimming – Long Distance, must have rescue/ support crew(Inshore Only)Time Trials – Cycling ** Trekking/ Hiking up to 3,000m Weight Lifting42Extreme + Pack (Includes activities listed in Sport, Sport + & Extreme Pack)Airboarding Boxing (Amateur Fight Only) ** Brazilian Jiu Jitsu (Amateur Fight Only) **Cave Tubing Climbing (mountaineering) up to 4,000m *, ** Cycling Endurance Events *, **Downhill Mountain Biking (Amateur Competition Only) ** Flying (Piloting) * Free Diving (Not Solo) **, ***Gliding (Piloting) * Gliding (Amateur Competition) *, *** Hot Air Ballooning (Piloting) *Ice Climbing (Winter Sports Extension Required) *, ** Ice Holing * Ice MarathonIron Man *** Jiu Jitsu (Amateur Fight Only) ** Judo (Amateur Fight Only) **Karate (Amateur Fight Only) ** Kendo (Amateur Fight Only) ** Kick Boxing (Amateur Fight Only) **Kloofing Krav Maga (Amateur Fight Only) ** Mixed Gas Diving (Must be qualified) - Not Solo **Motorcycling Off Road – Non Competitive up to 400 CC(Requires full UK Licence) *, ** Motor Paintball *, **, *** Mountain Biking – Enduro (e.g. Trans Savoie) **Mountaineering up to 4,000m *, ** Paintballing (Motor Paintball) *, **, *** Quad Biking (up to 400cc) *, **, ***Red Bull Crashed Ice Cross (Winter Sports ExtensionRequired) *, **, *** Rock Climbing – up to 4,000m *, ** Scuba Diving – Mixed Gas (Must be qualified) – Not Solo **Skeleton (Winter Sports Extension Required) * Ski/ Snowboard Instructor Course – Performance Training(Winter Sports Extension Required)Ski/ Snowboard Instructor Mountain Safety Course (WinterSports Extension Required)Ski/ Snowboard Instructor Ski/ Snowboard Alpine Courses –Eurotest etc (Winter Sports Extension Required)Skiing/ Snowboarding – Para (Winter Sports ExtensionRequired)Skiing – Ski Cross/ Snowboard Cross (Winter Sports ExtensionRequired)Skiing – Ski Flying (Winter Sports Extension Required) Skiing – Ski Stunting – no inverted aerials (Winter SportsExtension Required)Snowboarding – Snowboard Cross (Winter Sports ExtensionRequired)Strongest Man/ Strongest Women Competition *** Swimrun *, **, *** Tae Kwon Do (Amateur Fight Only) **Thai Boxing/ Kick Boxing (Amateur Fight Only) ** Tough Mudder *** Trekking/ Hiking up to 4,000m **Super Extreme Pack (Includes activities listed in Sport, Sport +, Extreme & Extreme + Pack)Black Water Rafting (Grades 4-6) *, **, *** BMX Freestyle ** Bobsleigh (Winter Sports Extension Required) *, **Climbing (mountaineering) up to 6,000m *, ** Downhill Mountain Biking (Megavalanche or Similar Event) ** Hang Gliding (Piloting or Passenger) *, ***Kilimanjaro Trekking ** Micro Lighting * Motorcycling Off Road – Non Competitive over 400 CC(Requires full UK Licence) *, **Mountain Biking – Freestyle ** Mountaineering up to 6,000m *, ** Paragliding (Piloting or Passenger) *, **, ***Paramotoring (Piloting or Passenger) *, **, *** Power Gliding (Piloting or Passenger) *, *** Rock Climbing – up to 6,000m *, **Rock Scrambling – up to 4,000m *, ** Track Days – Car or Motorcycle *, **, *** Trekking/ Hiking over 4,000m **Trekking – Kilimanjaro ** Trekking – Everest Base Camp **43Referral RequiredIf you are planning to take part in any of the activities shown below, you will need to contact us at enquiries@dogtag.co.uk to discuss further. These are considered to be extremely risk activitiesand we need to check number of things with you before we can confirm cover.When you contact us, please provide us with the following information to help us make our decision:- Traveller Age(s)- Experience/Qualifications- Duration of trip- Destination- Policy Type (Single Trip/Multi Trip)- Group Size- 3rd Party Search and Rescue Plans- Medical ConditionsAdventure Racing (Any Duration) Arctic Expeditions (including any remote area of the globe) * Cave Diving *Climbing (mountaineering) Over 6,000m *, ** Cycle Touring Ice Diving *Jungle Marathon, Arctic Marathon, UTMB etc *, ***, # Luge/ Bobsleigh (Winter Sports Extension Required) * Marathon – Arctic *, ***, #Marathon – Ultra Marathons e.g. Marathon des Sables *, ***, # Mountaineering Over 6,000m *, ** Potholing/ Caving – Not Solo *, **Rock Climbing – Over 6,000m *, ** Sailing Recreational (Offshore) * Sailing Amateur Racing (Offshore) *Skiing – Ski Jumping (Winter Sports Extension Required) Skiing – Ski Mountaineering (Winter Sports Extension Required) Skiing – Ski Racing (Winter Sports Extension Required)Ultra Marathon e.g. Marathon des Sables, Untra Trail etc *, ***, # Yachting Recreational (Offshore) * Yachting Amateur Racing (Inshore Only) *44MAKING A COMPLAINTIf your complaint relates to the sales literature, the way in which your policy was sold to you, the Medical Screening Service or regarding information about your policy, please contact:Complaints ManagerDOGTAG Complaints1 Tower ViewKings HillWest MallingKentME19 4UYEmail: complaints@tifgroup.co.ukTelephone: 0333 005 1086Open: 9am – 5pm Monday – FridayIf your complaint relates to a claim, or assistance you received whilst travelling, please contact:Quality DepartmentCollinson Insurance Services LimitedSussex HousePerrymount RoadHaywards HeathWest SussexRH16 1DNEmail: Complaints@collinsoninsurance.comTelephone: 0333 005 1087If your complaint relates to the End Supplier Failure Insurance sections of cover or claims, please contact:End Supplier Failure Insurance - ESFICompliance OfficerLiberty Mutual Insurance Europe SE, 20 Fenchurch Street, London, EC3M 3AW.Email: complaints@libertyglobalgroup.com Telephone: +44 (0)203 758 0840Please quote your policy and/or claim number.Our promise of service – We will aim to provide you with a full response within 4 weeks of the date we receive your complaint, and our response will be our final decision based on the evidencepresented. If for any reason there is a delay in completing our investigations, we will explain why and tell you when we hope to reach a decision. In any event, should you remain dissatisfied orfail to receive a final answer within 8 weeks of us receiving your complaint, you may have the right to refer your complaint to an independent authority for consideration. That authority is:Financial Ombudsman Service (FOS)Exchange TowerHarbour Exchange SquareLondonE14 9SREmail: complaints.info@financial-ombudsman.org.ukTelephone: (Landline) 0800 0234 567 or (Mobile) 0300 1239 123More information can be found on their website – www.financial-ombudsman.org.uk. Please note that if you wish to refer this matter to the FOS you must do so within 6 months of our finaldecision. You must have completed the above procedure before the FOS will consider your case. Your legal rights are not affected.45DATA PROTECTIONHow we use the information about youAs an insurer and data controller: We collect and process information about you so that we can provide you with the products and services you have requested. We also receive personalinformation from DOGTAG, a trading name of Travel Insurance Facilities Plc, on a regular basis while your policy is still live. This will include your name, address, health information, risk detailsand other information which is necessary for us to:- Meet our contractual obligations to you.- issue you this insurance policy.- deal with any claims or requests for assistance that you may have; service your policy including claims and policy administration, payments, and other transactions); and detect,investigate, and prevent activities which may be illegal or could result in your policy being cancelled or treated as if it never existed.- Protect our legitimate interests.Some of the personal information that you provide may be sensitive information. This includes details about your health or medical records. Where we need your consent to collect and processyour sensitive information, this will be obtained from you at the relevant time. Please note that, in these cases, we may not be able to sell you an insurance policy or deal with a claim if you donot agree to us processing relevant sensitive information.In order to administer your policy and deal with any claims, your information may be shared with trusted third parties. This will include members of The Collinson Group, contractors,investigators and claims management organisations where they provide administration and management support on our behalf. Some of these companies are based outside of the EuropeanUnion where different Data privacy laws apply. Wherever possible, we will have strict contractual terms in place to make sure that your information remains safe and secure.We will not share your information with anyone else unless you agree to this, or we are required to do this by our regulators (e.g. the Financial Conduct Authority) or other authorities.The personal information we have collected from you will be shared with fraud prevention agencies and databases who will use it to prevent fraud and money-laundering and to verify youridentity. If fraud is detected, you could be refused certain services, finance, or employment. Further details of how your information will be used by us and these fraud prevention agencies anddatabases, and your data protection rights, can be found by visiting www.cifas.org.uk/fpn and www.insurancefraudbureau.org/privacy-policy/.Processing your data:Your data will generally be processed on the basis that it is: necessary for the performance of the contract that you have with us; is in the public or your vital interest: or for our legitimatebusiness interests. If we are not able to rely on the above, we will ask for your consent to process your data.How we store and protect your information:All personal information collected by us is stored on secure servers which are either in the United Kingdom or European Union. We will need to keep and process your personal informationduring the period of insurance and after this time so that we can meet our regulatory obligations or to deal with any reasonable requests from our regulators and other authorities. We alsohave security measures in place in our offices to protect the information that you have given us.How you can access your information and correct anything which is wrongYou have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please contact us by email or in writing asshown below.Data Protection Officer, Sussex House, Perrymount Road, Haywards Heath, West Sussex, RH16 1DNEmail: data.protection@collinsongroup.com.We may make a reasonable charge for this service or refuse to give you this information if your request is clearly unjustified or excessive. We want to make sure that your personal informationis accurate and up to date. You may ask us to correct or remove information you think is inaccurate. If you wish to make a complaint about the use of your personal information, please contactour Date Protection Officer using the details above. You can also complain directly to the Information Commissioner’s Office (ICO). Further information can be found at https://ico.org.uk.46READY TO GO?So, you’re all packed and just about ready to go. We have included a check list to help ensure that you haven’t forgotten anything!• Check that your travel insurance covers the whole duration of your trip and any activities that you plan on trying.• Check your travel documents:o Is your passport up to date, and is it valid for a least 6 months after the date you are due to come home?o Make two photocopies of your passport, tickets and travel insurance documents and leave one set at home (maybe let family/friends know where they are kept in case of anemergency). Take the other set with you but keep them separate from the originals.o Make sure you have important contact numbers in your phone just in case.• Check with your GP to ensure that you have had any necessary vaccinations and/or medications.• Know your destination:o It is always worth checking out any local laws and customs before you get there.o Pack a guide book.o Check the FCDO website www.gov.uk/browse/abroad• Tell family/friends about your trip and make sure they know where you are going and how to get hold of you in an emergency.• When you are abroad:o Make sure your travel documents, passport, money and insurance documents are kept in a safe place.o Stick to safe filtered water and keep yourself well hydrated when you are out in the sun.o Always wear protective sunscreen when you are out and about, even if you are on the ski slopes! (but make sure the one you buy doesn’t contain the chemical Oxybenzone asit bleaches the sea coral).o Check out local information in your guidebook or online so that you are aware of any local holidays and nearby public medical facilities.o It is always a good idea to keep all your receipts just in case you need them for future reference.• Getting medical treatment abroado Often the best doctors, treatment and optimal care are found in the regulated state and public hospitals and medical facilities no matter where you are in the world. Theymight not always look as nice as some private facilities, but we have seen numerous good clinical outcomes which don’t come with the risk of immoral and dangerous practices,extortion, over treatment, detainment and withdrawal of treatment which we have seen happen in some private facilities all over the world.o Some medical facilities will raise charges that are far in excess of what is customary and reasonable. We will deal with such bill directly with the facility and there is no need foryou to pay them. You simply need to pass any and all correspondence about such bills to us to ensure we can provide financial protection.V1 DT ST & MT SEPT23