Holiday Insurance

Summary of Benefits & Cover (per person)

CANCELLATION: Up to £3,000, with a £50 excess per person except in respect of loss of deposit only claims where the excess shall be £10 per person.

CURTAILMENT: Up to £3,000, with £50 excess per each insured person involved in the incident.

MISSED DEPARTURE: Up to £750.

TRAVEL DELAY: 1) £20 for the first full 12 hours you are delayed, £10 for each full12 hours you are delayed after that, up to a maximum of £100 or 2) up to the amount under the cancellation section of this policy (less £50 excess) if you abandon the trip (on the outward journey only) after the first full 12 hours; (see Travel Insurance document for more details)

PERSONAL ACCIDENT: £15,000 Death (Under 16 and over 70 limited to £2,000) £25,000 Permanent Total Disablement (not applicable if under 16 or over 70 years).

MEDICAL EMERGENCY EXPENSES: (NOT PRIVATE HEALTH INSURANCE): Up to £5,000,000 with a £50 excess per person.

LUGGAGE AND PERSONAL MONEY: Up to £1,500 to include £500 personal money, a single article limit of £250, valuables £350. £50 excess per person. The maximum payed out on the following items is: £350 for all valuables in total, £250 for any one article, pair and/or set of articles, £350 for all golf equipment, £75 for all sunglasses/prescription sunglasses, £50 for replacement keys (house and/or car only)

DELAYED BAGGAGE: Up to £100 if luggage is delayed in transit.

LOSS OF PASSPORT EXPENSES: Up to £300.

PERSONAL PUBLIC LIABILITY: Up to £2,000,000.

HIJACK: £50 per full 24 hours up to a maximum of £1,000.

MUGGING BENEFIT: £50 per full 24 hours hospitalisation up to a maximum of £1,000.

LEGAL EXPENSES: Up to £10,000.

MEDICAL HEALTH REQUIREMENTS

You are not covered if, at the time of taking out this insurance or booking your trip, you or any person upon whose health the trip may depend:

  1. were aware of any reason why the trip could be cancelled or curtailed or of any medical condition which could result in a claim;
  2. have, during the 12 months before this insurance started, suffered from any chronic or recurring illness for which you have received treatment or been a hospital in-patient;
  3. are waiting for the results of tests or investigations for an existing medical condition;
  4. were travelling against the advice of a medical practitioner or in order to get medical treatment;
  5. have been diagnosed as having a terminal illness;
  6. were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
  7. Have been diagnosed as suffering from anxiety or depression or any psychiatric condition before applying for the insurance.

You must notify Optimum Medical Helpline of any of the reasons listed above which occur between the date you take out this insurance and the commencement date of your holiday. Cover for these conditions will only be provided following our acceptance. For advice and assistance, please contact Optimum Medical Helpline on 0117 300 7015.

Price per person £23.00 for up to 8 days in Europe (inclusive of 17.5% Insurance Premium Rate and subject to change on any amendment to that tax or its rate)