Worldwide Travel Insurance - with Everyday Extra Your Policy document - The Co-operative Bank
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Worldwide Travel Insurance with Everyday Extra Your Policy document
2 Worldwide Travel Insurance Worldwide Travel Insurance Inside this booklet you’ll find all the information you need about your Worldwide Travel Insurance policy, which comes as standard with your Everyday Extra Current Account. It covers everything from what to do in an emergency, to important terms and conditions. You should take this with you when you travel, just in case anything unfortunate occurs. Please ensure you have read and understood the benefit schedule and policy document all contained within this booklet. Call +44(0)344 249 9981 for general enquiries 8am to 8pm, Mon - Fri, 9am to 6pm, Sat and Sun. Breakdown and Medical Emergencies Lines available 24/7 Lines are available from both the UK and abroad. For Breakdown Cover, Travel Insurance and Mobile Phone Insurance queries call +44(0) 344 249 9981 (8am to 8pm, Monday to Friday, 9am to 6pm, Saturday & Sunday)
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Worldwide Travel Insurance
Contents
Do you need to make a Medical H. Hospital Benefit 34
Health Declaration? 4
I. Baggage, Baggage Delay, Personal
Statement of Demands and Needs 6 Money and Passport 34
Policy document 6 J. Personal Accident 37
Definitions 10 K. Personal Liability 37
Important Health Requirements 14 L. Overseas Legal Expenses and Assistance 38
General Conditions 20 M Winter Sports 39
1 Ski Equipment and Ski Equipment Hire
General Exclusions 22
2 Ski Pack
Sports and Winter Sports Activities 24 3 Piste Closure
N. Golf Cover 41
1 Golf Equipment
The Insurance 2 Golfing Liability
A. Travel Advice 25 3 Green Fees
4 Hole in One
B. Travel Assistance 26
O. Hijack 43
C. Cancellation or Curtailment Charges 26
P. European Pet Care 44
D. Delayed Departure/Abandonment 29
Q. End Supplier Failure 44
E. Missed Departure 30
R Travel Disruption Cover 46
F. Involuntary Denial of Boarding 31
Complaints Procedure 49
G. Emergency Medical and Other Expenses 31
Use of Your Personal Data 504
Worldwide Travel Insurance
Do you need to make a
Medical Health Declaration?
Please follow this step-by-step guide
As part of your application, you will have Step 1
completed a Medical Health Declaration.
It is important to note that no claim arising Please read the following questions carefully.
directly or indirectly from a pre-existing
a) During the last two years, has anyone
medical condition affecting any person
travelling under this policy had any medical
travelling under this insurance will be covered
or psychological condition:
unless ALL pre-existing medical conditions
have been declared to The Co-operative Bank • Which has resulted in symptoms, or
Medical Assessment Helpline prior to the
• For which any form of treatment or
commencement of cover under this policy and/
prescribed medication has been required, or
or prior to any trip, plus any changes in health
or prescribed medication have been declared • For which they have required any medical
and we have accepted the condition(s) for consultation, investigation or follow-up/
insurance in writing. check-up?
If you feel you need to provide any additional Yes No
details relating to your medical health, or if it
b) Has anyone travelling under this policy EVER
has been 12 months or more since you
had any cardiovascular or circulatory
completed the Medical Health Declaration,
condition? For example:
please review the information below.
• A heart attack, angina, chest pain(s),
or any other heart condition
• High blood pressure, blood clots,
raised cholesterol, aneurysm or any
circulatory disease
• Any form of stroke, transient ischaemic
attack, or brain haemorrhage.
Yes No
If you have answered YES to either (a) or (b). If you have answered NO to BOTH questions.
No further action required. You do not need to
Proceed to Step 2. tell us anything more about your medical history
at this time.
Worldwide Travel Insurance provided by AXA Travel Insurance
and underwritten by Inter Partner Assistance.5
Worldwide Travel Insurance
Step 2 – Automatically Accepted Conditions
The medical conditions under Section Waived b) the insured person has been fully discharged
Conditions on page 15 are covered free of from any post-operative follow-up.
charge and subject to the normal terms and
You do not need to declare any of those
conditions of this insurance, provided:
conditions to us provided both of the above
a) the insured person is not awaiting surgery for requirements have been met.
the condition, and
If the condition(s) If the condition(s)
If the condition(s) IS
IS listed under IS listed under
listed under Waived
Waived Conditions, Waived Conditions,
If the condition(s) Conditions BUT the
both of the above both of the above
IS NOT listed under above requirements
requirements have requirements have
Waived Conditions. have not been met.
been met AND been met BUT there
There are no further
there are no more are more conditions
conditions to declare.
conditions to declare. to declare.
No further action
required. You do
not need to tell us
Proceed to Step 3. Proceed to Step 3. Proceed to Step 3.
anything more about
your medical history
at this time.
Step 3
Each person who is travelling under this policy offered subject to the payment of an additional
and who has been directed to Step 3 will need premium. If the cover is subject to the payment of
to call the Medical Assessment Helpline on an additional premium, cover will not commence
0344 249 9981 to declare: until full payment has been received by us and
a) any conditions listed under Waived written confirmation has been provided by us.
Conditions (where all criteria have not been If your policy is endorsed to cover any claims
met), and arising from your pre-existing medical
b) any other medical conditions. condition(s), the endorsement will remain valid
for 12 months and you need not re-declare your
If you have a pre-existing medical condition you pre-existing medical condition(s) when taking
must make a medical health declaration when: any trips within that 12-month period.
a) opening your Everyday Extra Current
If there are any changes in your health or
Account, or
prescribed medication after you declare, you
b) booking any trip, or must notify us and update your medical health
declaration prior to booking any trip or
c) upon the annual renewal of your medical departing on any trip. All changes must be
health declaration, whichever is the later. declared to us and accepted in writing before
We will assess the medical information supplied cover can continue.
to us and advise if we can cover the pre-existing Failure to declare pre-existing medical
medical condition(s), if certain exclusions or conditions that are relevant to this insurance
restrictions should be imposed, or if cover can be may invalidate your claim.6
Worldwide Travel Insurance
Statement of Demands and Needs
This product meets the demands and needs of The Co-operative Bank p.l.c. is not providing you
those under 80 years of age travelling abroad in with a personal recommendation based on your
respect of medical and other similar expenses individual circumstances as to whether this
throughout the duration of the policy. policy is suitable for your needs, and
recommends that you read the full details and
conditions of your insurance which are located
in your policy wording.
Policy document
Travel Insurance Schedule
Please note: No excesses are payable on claims under this policy.
Benefit Schedule Benefit Amount
Section A – Travel Advice
Travel Advice (Visa, vaccination, weather forecast, language, opening hours) Included
Section B – Travel Assistance
Medical Helpline, Travel Assistance, Legal Assistance, Lost or Stolen
Document Assistance, Interpreter, Message Relay, Lost Luggage Assistance Included
Section C – Cancellation or Curtailment Charges
Cancellation or Curtailment up to £5,000
Re-booking fees up to £300
Section D – Delayed Departure/Abandonment
Travel Delay, maximum £250
– After first 12 hours £25
– Per six hours thereafter £25
Abandonment up to £5,000
Section E – Missed Departure up to £1,000
Section F – Involuntary Denial of Boarding £1007
Worldwide Travel Insurance
Benefit Schedule Benefit Amount
Section G – Emergency Medical and Other Expenses
Medical Expenses and Repatriation up to £10,000,000
Emergency Dental Pain Relief £500
Relative/Friend to travel out if travelling alone when hospitalised Economy Flight + £150 per
day; maximum 10 days
Extended stay (Insured/Companion) £150 per day,
maximum £1,500
Return Home of Children Economy Flight + £150 per
day; maximum 3 days
Funeral Expenses up to £4,000
Infants born following Complications of Pregnancy, maximum per event £75,000 (or £200,000
for trips to the USA or
Caribbean)
Section H – Hospital Benefit
Hospital Benefit £25 per day;
maximum claim £600
Mugging Benefit £50 per day;
maximum claim £1,200
Section I – Baggage, Baggage Delay, Personal Money and Passport
Baggage (maximum) £2,500
– Single Item Limit £250
– Valuables Limit in Total £250
Personal Money £500
– Cash Limit £250
– Cash Limit under 16s £100
Delayed Baggage, maximum after 12 hours £100
Lost or stolen Passport, identity card or visa £250
Section J – Personal Accident
Personal Accident (maximum) Up to £25,000
– Loss of Limbs or Sight £25,000
– Permanent Total Disablement (>16 < 70) £25,000
– Permanent Total Disablement ( 70) Nil
– Death Benefit £25,000
Section K – Personal Liability up to £2,000,000
Section L – Overseas Legal Expenses and Assistance up to £25,0008 Worldwide Travel Insurance Benefit Schedule Benefit Amount Section M – Winter Sports Ski Equipment Owned up to £500 – Single Item/Pair Limit £100 Ski Equipment Hired up to £500 – Single Item/Pair Limit £100 Ski Hire, maximum £150 – per week £50 Ski Pack, maximum £250 – per day £50 Piste Closure, maximum £250 – per day £50 Section N – Golf Cover Golf Equipment Owned up to £500 – Single Item/Pair Limit £250 Golfing Liability up to £500,000 Green Fees £250 Hole in One £250 Section O – Hijack Hijack £500 – per day £100 Section P – European Pet Care Sudden Accident/Illness, maximum £1,000 Lost and found costs £500 Quarantine £1,000 Repatriation £1,000 Section Q – End Supplier Failure £5,000 Section R – Travel Disruption £2,000 For travel advice and emergency assistance telephone +44 (0) 344 249 9981
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Worldwide Travel Insurance
Introduction Failure to declare pre-existing medical
conditions that are relevant to this insurance
This is your travel insurance policy. It contains may invalidate your claim.
details of cover, conditions and exclusions
relating to each insured person and is the basis Changes to your policy
on which all claims will be settled.
Terms and Conditions
On the condition that you meet the requirements
In the event that the insurer needs to change
of being an insured person, we will in the event of
the terms, we will give you 30 days’ notice in
bodily injury, death, medical condition, disease,
writing to your last known address. This will only
loss, theft, damage or other events happening
be for valid reasons:
within the period of insurance provide insurance
in accordance with the operative sections of your • To respond proportionately to changes
policy as referred to in your schedule. in the law
The schedule and any endorsements are all part • To respond to decisions of the Financial
of the policy. Ombudsman Service
• To meet regulatory requirements, industry
Policy Information or Advice guidance or codes of practice
If you would like more information, telephone • To proportionately reflect other increases or
our customer helpline on 0344 249 9981. reductions in costs associated with providing
the cover
Underwriter
• To change the level of cover to reflect any
This policy is underwritten by Inter Partner changes in the travel market.
Assistance S.A. UK Branch, which is part of the AXA
Group. DUAL INSURANCE:
Important Requirement If at the time of any incident which results in a
claim under this policy, there is another
applying to your policy insurance covering the same loss, damage,
Cover commences on the date you open an expense or liability we will not pay more than
Everyday Extra Current Account and will our proportional share (not applicable to
continue for each month you hold that account PERSONAL ACCIDENT).
and continue to pay the monthly subscription.
Policy Information
If you have a pre-existing medical condition,
you must make a medical health declaration 1. This policy contains certain restrictions
when: regarding pre-existing medical conditions
concerning the health of the people
• Opening your Everyday Extra travelling and of other people upon whose
current account, health the holiday may depend. You are
• Booking any trip, or advised to read the Important Health
Requirements on page 14 and the Important
• Upon the annual renewal of your medical Limitations Under Section C – Cancellation
health declaration, whichever is the later. or Curtailment Charges on page 18.
If there are any changes in your health or 2. You must claim against your private health
prescribed medication you must notify us and insurer first for any inpatient medical
update your medical health declaration prior expenses abroad, up to your policy limit.
to booking any trip or departing on any trip. All
changes must be declared to us and accepted in 3. If injury, illness, loss, theft or damage
writing before cover can continue. happens you should immediately call us on10
Worldwide Travel Insurance
0344 249 9981 to report a medical
emergency, request repatriation, report any Definitions
loss, theft or damage.
Any word or expression to which a specific
4. In the event of curtailment necessitating meaning has been attached will bear the
your early return home, you must contact
same meaning throughout this policy. For
us. The service is available to you and
ease of reading the definitions are
operates 24 hours a day, 365 days a year for
advice and assistance with your return highlighted by the use of bold print.
home. We will arrange transport home when Adverse weather conditions
you have notice of serious illness, imminent Rain, wind, fog, thunder or lightning storm,
demise, or death of a close relative in the flood, snow, sleet, hail, hurricane, cyclone,
country of residence. tornado or tropical storm which is not caused by
5. Your policy will be governed by the laws of or has not originated from a geological or
England and Wales unless we have catastrophic event such as but not limited to an
specifically agreed in writing otherwise. earthquake, volcano or tsunami.
6. This policy is only available to you if you are Adviser
a resident of the United Kingdom at the Specialist solicitors or their agents.
date of booking each holiday and are Adviser’s costs
registered with a General Practitioner in the Reasonable fees and disbursements incurred by
United Kingdom. the adviser with our prior written authority.
7. You are covered for any holiday or journey Legal and accounting expenses shall be
for pleasure with each individual trip limited assessed on the standard basis and third party
to 45 consecutive days, beginning and costs shall be covered if awarded against you
ending in the United Kingdom. Cover for and paid on the standard basis of assessment.
trips involving Winter Sports Activities is Baggage
limited to 21 days in total in any 12-month Luggage, clothing, personal effects and other
period. You must not undertake business of articles which belong to you and are worn, used
any kind during the holiday. It is not possible or carried by you during any trip (excluding
to extend this policy to cover trips of more valuables and personal money).
than 45 continuous days.
Bodily injury
8. Any trip solely within the United Kingdom is
only covered where you have pre-booked at An identifiable physical injury caused by a sudden,
least two nights’ accommodation in a hotel, violent, external, unexpected specific event.
motel, holiday camp, bed and breakfast, Close business associate
holiday cottage or similar accommodation Any person whose absence from business for
rented for a fee. one or more complete days at the same time as
your absence prevents the proper continuation
of that business.11
Worldwide Travel Insurance
Close relative majority of the time) with the First Named
Mother, father, sister, brother, wife, husband, Account Holder or Joint Account Holder/Second
daughter, son, grandparent, grandchild, Named Account Holder, providing the dependent
parent-in-law, son-in-law, daughter-in-law, child(ren) reside(s) permanently with the other
sister-in-law, brother-in-law, stepparent, stepchild, parent for the remainder of the time and provided
stepsister, stepbrother, foster child, legal that the residency arrangements are governed by
guardian, legal ward, partner or fiancé/fiancée or a formal written agreement.
Common-Law Partner (any couple, including
First Named Account Holder
same-sex, in a common law relationship or who
The person whose name appears first on the
have co-habited for at least six months).
Everyday Extra Current Account.
Complications of pregnancy
Golf equipment
The following unforeseen complications of
Golf clubs, golf balls, golf bag, golf trolley, and
pregnancy as certified by a medical practitioner:
golf shoes forming part of your baggage.
toxaemia; gestational hypertension;
pre-eclampsia; ectopic pregnancy; hydatidiform Hole-in-one
mole (molar pregnancy); hyperemesis Driving from the tee during a golf match and
gravidarum; ante partum haemorrhage; placental holing out in a single stroke.
abruption; placenta praevia; post partum
haemorrhage; retained placenta membrane; Home
miscarriage; stillbirths; medically necessary Your normal place of residence in the
emergency Caesarean sections/medically United Kingdom.
necessary termination; and any premature births Joint Account Holder/Second Named
or threatened early labour more than eight weeks Account Holder
(or 16 weeks in the case of a multiple pregnancy) The person whose name appears second on the
prior to the expected delivery date. Everyday Extra Current Account.
Curtailment/curtail Loss of limb
Cutting short your trip by returning home due Loss by physical severance, or the total and
to an emergency authorised by us. irrecoverable permanent loss of use or function
Dependent children of, an arm at or above the wrist joint, or a leg at
All children who are 22 years of age or under or above the ankle joint.
(including legally adopted, legal ward/ Loss of sight
guardianship, foster and step children) of either Total and irrecoverable loss of sight in one or
the First Named Account Holder or Joint both eye(s); this is considered to have occurred if
Account Holder/Second Named Account Holder the degree of sight remaining after correction is
who at the start date of the journey are living at 3/60 or less on the Snellen scale. (This means
either the First Named Account Holder’s or Joint being able to see at three feet or less what you
Account Holder/Second Named Account should see at 60 feet).
Holder’s home address and have no other
residence or are in full-time education (living at Medical condition(s)
either the First Named Account Holder’s or Joint Any medical or psychological disease, sickness,
Account Holder/Second Named Account condition, illness or injury that has affected you or
Holder’s home address or are living at a fixed term any close relative, travelling companion or person
time address) and are 22 years of age or younger. with whom you intend to stay whilst on your trip.
Dependent children must be unmarried or have
not entered into a Civil Partnership in order to be
covered by this insurance. We will cover
dependent children who are 22 years of age or
under, who do not reside permanently (or for the12
Worldwide Travel Insurance
Medical emergency expiry of the period of insurance, whichever is
A bodily injury or sudden and unforeseen illness sooner. For all other sections of the policy, the
suffered by you while you are on a trip outside insurance commences when you leave your
the United Kingdom and a registered medical home or hotel, or your place of business
practitioner tells you that you need immediate (whichever is the later) to commence the trip
medical treatment or medical attention. and terminates at the time you return to your
home, hotel or place of business (whichever is
Medical health declaration
the earlier) on completion of the trip.
Medical information that needs to be declared
to us by any insured person who has suffered If you cancel your Everyday Extra Current
from a pre-existing medical condition when: Account mid-term and/or cease to pay the
monthly subscription then all cover will cease
a) opening the Everyday Extra Current Account
from the expiry date of your subscription,
b) prior to booking any trip, or whether or not you are on a holiday at the time.
c) upon each annual renewal: whichever is Extension to the period of insurance
the later. If your return journey to the United Kingdom is
unavoidably delayed because of something
Medical practitioner which is covered under this policy, we will
A legally licensed member of the medical automatically extend your cover for the period
profession, recognised by the law of the country of the delay at no additional cost.
where treatment is provided and who, in
Permanent total disablement
rendering such treatment is practising within the
Disablement which, having lasted for a period of
scope of his/her licence and training, and who is
at least 12 consecutive months from the date of
not related to you or any travelling companion.
occurrence will, in the opinion of an independent
Mugging qualified specialist, prevent you from engaging
A violent, threatening attack by an unknown in, or giving any attention to, any business or
third party causing actual bodily harm. occupation for the remainder of your life.
Pair or set Personal money
Items of baggage, valuables, golf equipment Bank notes, currency notes and coins in current
or ski equipment forming part of a set or which use, travellers and other cheques, postal or
are normally used together. money orders, prepaid coupons or vouchers,
travel tickets, hotel vouchers and passport, all
Panel held for private purposes.
Our panel of advisers who may be appointed by
Pre-existing medical condition(s)
us to act for you.
1. Any past or current medical condition that
Partner has given rise to symptoms or for which any
The spouse or legal partner of the First Named form of treatment or prescribed medication,
Account Holder at the same address in a medical consultation, investigation or
relationship (for six months or more). follow-up/check-up has been required or
received during the two years prior to:
Period of insurance
Cover commences on the date you open an a) opening your Everyday Extra Current
Everyday Extra Current Account and will Account,
continue for each month you hold that account b) booking any trip, or
and continue to pay the monthly subscription.
c) upon the annual renewal of your medical
Under this policy Section C – Cancellation cover health declaration, whichever is the later,
– shall be operative from the date you open an and
Everyday Extra Current Account or the time you
2. Any cardiovascular or circulatory condition (e.g.
book each trip, whichever is later, and ceases
heart condition, high blood pressure, blood
upon commencement of your trip or on the13
Worldwide Travel Insurance
clots, raised cholesterol, stroke, aneurysm) that Trip
has occurred at any time prior to any trip. Any holiday, cruise or journey for pleasure of not
more than 45 continuous days made by you within
If you are aware of any pre-existing medical the territorial limits during the period of
condition(s) these must be declared to the insurance, beginning and ending in the United
Medical Assessment Helpline on Kingdom. Cover for trips involving Winter Sports
0344 249 9981, and accepted for cover. Activities is limited to 21 days in total in any
Public transport 12-month period.
Any publicly licensed aircraft, sea vessel, train or Any trip solely within the United Kingdom is only
coach on which you are booked to travel. covered where you have pre‑booked at least two
Ski equipment nights’ accommodation in a hotel, motel, holiday
Skis (including bindings), ski boots, ski poles and camp, bed and breakfast, holiday cottage or
snowboards. similar accommodation rented for a fee.
Sports Activities and Winter Sports Activities You must not undertake business of any kind
The activities listed on page 24 for which your during the holiday.
participation in during your holiday is not the It is not possible to extend this policy to cover
sole or main reason for your trip. During a winter trips of more than 45 continuous days.
holiday the Winter Sports Activities detailed
are covered by your policy. Please note: Any trips to a country, specific area
or event when the Travel Advice Unit of the
Strike or industrial action Foreign, Commonwealth & Development Office
Any form of industrial action which is carried out (FCDO) or regulatory authority in a country to/
with the intention of stopping, restricting or from which you are travelling has advised
interfering with the production of goods or against all travel or all but essential travel are
provision of services. not covered.not covered.
Territorial limits Unattended
Worldwide, excluding the United Kingdom for When you are not in full view of and not in a
Medical Expenses Benefits. Any trip solely position to prevent unauthorised interference
within the United Kingdom is only covered with your property or vehicle.
where you have pre-booked at least two nights’
accommodation in a hotel, motel, holiday camp, United Kingdom
bed and breakfast, holiday cottage or similar England, Scotland, Wales, Northern Ireland, Isle
accommodation rented for a fee. of Man and the Channel Islands.
Please note: Any trips to a country, specific area Valuables
or event when the Travel Advice Unit of the Jewellery, gold, silver, precious metal or precious
Foreign, Commonwealth & Development Office or semiprecious stone articles, watches, leather
(FCDO) or regulatory authority in a country to/ goods, cameras, camcorders, photographic,
from which you are travelling has advised audio, video, television and telecommunications
against all travel or all but essential travel are equipment (excluding mobile phones and
not covered. associated equipment but including CDs, DVDs,
tapes, films, cassettes, cartridges and
Terrorism headphones), laptops, notebooks and tablets,
An act, including but not limited to the use of force computer games and associated equipment,
or violence and/or the threat thereof, of any person telescopes, binoculars, portable DVD players,
or group(s) of persons, whether acting alone or on iPod, MP3/4 players and e-readers.
behalf of or in connection with any organisation(s)
or governments, committed for political, religious, We/us/our
ideological or similar purposes including the The service provider arranged by Inter Partner
intention to influence any government and/or to Assistance S.A. UK Branch.
put the public, or any section of the public, in fear.14
Worldwide Travel Insurance
You/your/insured person covered when travelling independently of each
For single account holders: The First Named other, but children under 18 who are travelling
Account Holder, their spouse or partner and alone must be dropped off and picked up at their
Dependent Children. The First Named Account international departure/arrival point by a
Holder’s spouse or partner is only covered when responsible adult aged 18 or over.
travelling with the First Named Account Holder.
All Insured Persons must be under 80 years of
Dependent Children are covered when travelling
age or if participating in Winter Sports Activities
independently, but children under 18 who are
under 65 years of age. If you reach the age of 80
travelling alone must be dropped off and picked
during a trip, or 65 if participating in Winter
up at their international departure/arrival point
Sports Activities, cover will continue under those
by a responsible adult aged 18 or over.
sections until the end of that trip but not
For Joint Account Holders: The First and Second thereafter. All insured persons must be residents
Named Account Holders and their Dependent of the United Kingdom at the date of booking
Children. The First and Second Named Account each holiday and must be registered with a
Holder, and their Dependent Children are General Practitioner in the United Kingdom.
Important Health Requirements –
For All Insured Persons
You must comply with the following conditions in order to have full protection under this
policy. If you do not comply, we may refuse to deal with your claim or reduce the amount
of any claim payment.
This insurance will not cover you if you: • You have declared any changes in your
health or prescribed medication; and
1. are travelling against the advice of a medical
practitioner (or would be travelling against • We have accepted the condition(s) for
the advice of a medical practitioner had you insurance in writing.
sought his/her advice);
If you have a pre-existing medical condition
2. are travelling with the intention of obtaining you must make a medical health declaration
medical treatment or consultation abroad; when:
3. have any undiagnosed symptoms that • Opening your Everyday Extra Current
require attention or investigation in the Account; or
future (that is symptoms for which you are • Booking any trip; or
awaiting investigations/consultations, or
awaiting results of investigations, where the • Upon the annual renewal of your medical
underlying cause has not been established); health declaration,
4. are not a permanent resident of, and whichever is the later.
registered with a General Practitioner in, the We will assess the medical information supplied
United Kingdom. to us and advise if we can cover the pre-existing
No claim arising directly or indirectly from a medical condition(s), if certain exclusions or
pre-existing medical condition affecting you restrictions should be imposed, or if cover can be
will be covered unless: offered subject to the payment of an additional
premium. If the cover is subject to the payment
• You have declared ALL pre-existing medical of an additional premium, cover will not
conditions to us; and commence until full payment has been received15
Worldwide Travel Insurance
by us and written confirmation has been • Astigmatism
provided by us. • Athlete’s Foot (Tinea Pedis)
If your policy is endorsed to cover any claims • Attention Deficit Hyperactivity Disorder
arising from your pre-existing medical • Bell’s Palsy (Facial Paralysis)
condition(s) the endorsement will remain valid • Benign Prostatic Enlargement
for 12 months and you need not re-declare your
pre-existing medical condition(s) when taking • Bladder Infection (no ongoing treatment,
no hospital admissions)
any trips within this 12-month period.
• Blepharitis
If there are any changes in your health or
• Blindness
prescribed medication you must notify us and
update your medical health declaration prior • Blocked Tear Ducts
to booking any trip or departing on any trip. All • Breast – Fibroadenoma
changes must be declared to us and accepted in • Breast Cyst(s)
writing before cover can continue. • Breast Enlargement/Reduction
Failure to declare pre-existing medical • Broken Bones (other than head or spine) –
conditions that are relevant to this (no longer in plaster)
insurance may invalidate your claim. • Bunion (Hallux Valgus)
To declare a pre-existing medical condition or • Bursitis
a change in your state of health or prescribed • Caesarean Section
medication, you should contact the Medical • Candidiasis (oral or vaginal)
Assessment Helpline on 0344 249 9981. • Carpal Tunnel Syndrome
You should also refer to the General Exclusions. • Cartilage Injury
• Cataracts
Waived Conditions • Cervical Erosion
The following medical conditions are covered • Cervicitis
free of charge and subject to the normal terms
• Chalazion
and conditions of this insurance, provided:
• Chicken Pox (fully resolved)
1. the insured person is not awaiting surgery • Cholecystectomy
for the condition, and
• Chronic fatigue syndrome (if only symptom
2. the insured person has been fully discharged is fatigue and no hospital admissions)
from any post-operative follow-up. • Coeliac Disease
You do not need to declare any of these • Cold Sore (Herpes Simplex)
conditions to us provided ALL criteria are met. • Common Cold(s)
• Abnormal Smear Test • Conjunctivitis
• Achilles Tendon Injury • Constipation
• Acne • Corneal Graft
• Acronyx (Ingrowing Toe-nail) • Cosmetic Surgery
• Adenoids • Cyst – Breast
• Allergic Rhinitis • Cyst – Testicular
• Alopecia • Cystitis (no ongoing treatment,
• Anal Fissure/Fistula no hospital admissions)
• Appendectomy • Cystocele (fully recovered,
no hospital admissions)16
Worldwide Travel Insurance
• D&C • Gout
• Deaf Mutism • Grave’s Disease
• Deafness • Grommet(s) Inserted (Glue Ear)
• Dental Surgery • Gynaecomastia
• Dermatitis (no hospital admissions • Haematoma (external)
or consultations) • Haemorrhoidectomy
• Deviated Nasal Septum • Haemorrhoids (Piles)
• Diarrhoea and/or Vomiting (resolved) • Hallux Valgus (Bunion)
• Dilatation and Curettage • Hammer Toe
• Dislocations (no joint replacement • Hay Fever
or hospital admissions)
• Hernia (not Hiatus)
• Dry Eye Syndrome
• Herpes Simplex (Cold Sore)
• Dyspepsia
• Herpes Zoster (Shingles)
• Ear Infections (resolved – must be all clear
prior to travel if flying) • Hip Replacement (no subsequent
arthritis and never any dislocation
• Eczema (no hospital admissions/ of a joint replacement)
consultations)
• Hives (Nettle Rash)
• Endocervical Polyp
• Housemaid’s Knee (Bursitis)
• Endocervicitis
• HRT (Hormone Replacement Therapy)
• Endometrial Polyp
• Hyperthyroidism (Overactive Thyroid)
• Epididymitis
• Hypospadias
• Epiphora (Watery Eye)
• Hypothyroidism (Underactive Thyroid)
• Epispadias
• Hysterectomy (provided no malignancy)
• Epistaxis (Nosebleed)
• Impetigo
• Erythema Nodosum
• Indigestion
• Essential Tremor
• Influenza (full recovery made)
• Facial Neuritis (Trigeminal Neuralgia)
• Ingrowing Toe-nail (Acronyx)
• Facial Paralysis (Bell’s Palsy)
• Inguinal Hernia
• Femoral Hernia
• Insomnia
• Fibroadenoma
• Intercostal Neuralgia (no admissions)
• Fibroid – Uterine
• Intertrigo
• Fibromyalgia
• Irritable Bowel Syndrome (IBS)
• Fibromyositis (provided definite diagnosis made
• Fibrositis and no ongoing investigations)
• Frozen Shoulder • Keinboeck’s Disease
• Gall Bladder Removal • Keratoconus
• Ganglion • Knee Injury – Collateral/cruciate ligaments
• Glandular Fever (full recovery made) • Knee Replacement (no subsequent
• Glaucoma arthritis and never any dislocation
of a joint replacement)
• Glue Ear (resolved – must be all clear
prior to travel if flying) • Kohler’s Disease
• Goitre • Labyrinthitis17
Worldwide Travel Insurance
• Laryngitis • Prolapsed Uterus (womb)
• Learning Difficulties • Pruritus
• Leptothrix • Psoriasis (no hospital admissions
• Leucoderma or consultations)
• Lichen Planus • Repetitive Strain Injury
• Ligaments (injury) • Retinitis Pigmentosa
• Lipoma • Rhinitis (Allergic)
• Macular Degeneration • Rosacea
• Mastitis • Ruptured Tendons
• Mastoidectomy (resolved – must be all clear • Salpingo-oophoritis
prior to travel if flying) • Scabies
• Menopause • Scalp Ringworm (Tinea Capitis)
• Menorrhagia • Scheuermann’s Disease (provided no
• Migraine (provided definite diagnosis respiratory issues)
made and no ongoing investigations) • Sebaceous Cyst
• Miscarriage • Shingles (Herpes Zoster)
• Mole(s) • Sinusitis
• Molluscum Contagiosum • Skin Ringworm (Tinea Corporis)
• Myalgic Encephalomyelitis (ME) • Sleep Apnoea (no machine used to
(if the only symptom is fatigue assist breathing)
and no hospital admissions) • Sore Throat
• Myxoedema • Sprains
• Nasal Infection • Stigmatism
• Nasal Polyp(s) • Stomach Bug (resolved)
• Nettle Rash (Hives) • Strabismus (Squint)
• Neuralgia (no hospital admissions) • Stress Incontinence
• Nosebleed(s) (no urinary infections)
• Nystagmus • Talipes (Club Foot)
• Osgood-Schlatter’s Disease • Tendon Injury
• Osteochondritis • Tennis Elbow
• Otosclerosis • Tenosynovitis
• Overactive Thyroid • Termination of Pregnancy
• Parametritis • Testicles – Epididymitis
• Pediculosis • Testicles – Hydrocele
• Pelvic Inflammatory Disease • Testicles – Varicocele
• Photodermatosis • Testicular Cyst
• Piles • Testicular Torsion (Twisted Testicle)
• Pityriasis Rosea • Throat Infection(s)
• Post Viral Fatigue Syndrome (if the only • Thrush
symptom is fatigue and no admissions) • Thyroid – Overactive
• Pregnancy (provided no complications) • Thyroid Deficiency
• Prickly Heat18
Worldwide Travel Insurance
• Tinea Capitis (Scalp Ringworm) companion who is not insured under this policy,
• Tinea Corporis (Skin Ringworm) or any person with whom you have arranged to
reside temporarily while on your trip if:
• Tinea Pedis (Athlete’s Foot)
• Tinnitus 1. a terminal diagnosis had been received prior
• Tonsillitis to booking any trip,
• Tooth Extraction 2. they were on a waiting list for or had
• Toothache knowledge of the need for, surgery,
in-patient treatment or investigation at any
• Torn Ligament
hospital or clinic at the time of booking any
• Torticollis (Wry Neck) trip, or
• Trichomycosis
3. during the 90 days immediately prior
• Trigeminal Neuralgia to booking any trip they had required
• Turner’s Syndrome surgery, in-patient treatment or
• Twisted Testicle hospital consultations.
• Umbilical Hernia
Reciprocal Health Agreements
• Underactive Thyroid
• Undescended Testicle
- European Union (not
• Urethritis (no ongoing treatment, including the EEA or
no hospital admissions) Switzerland)
• URTI (Upper Respiratory Tract Infection)
If you are travelling to countries within the
(resolved, no further treatment)
European Union (EU), not including the EEA or
• Urticaria Switzerland, you are strongly advised to obtain
• Uterine Polyp(s) a Global Health Insurance Card (GHIC). You can
• Uterine Prolapse apply for a GHIC either online at HYPERLINK
• Varicocele “http://www.ghic.org.uk/” www.ghic.org.uk or by
telephoning 0300 330 1350. This will entitle you
• Varicose Veins (legs only, never any ulcers to benefit from the health care arrangements
or cellulitis)
which exist between countries within the EU.
• Vasectomy
If we agree to pay for a medical expense which
• Verruca
has been reduced because you have used either
• Vitiligo a Global Health Insurance Card or private health
• Warts (benign, non-genital) insurance, we will not deduct the excess under
• Womb Prolapse (uterus) EMERGENCY MEDICAL EXPENSES.
• Wry Neck (Torticollis) When you are travelling to Australia and you
register for treatment under the national
Important Limitations under Medicare scheme, Medicare provides:
Section C – Cancellation or • Free treatment as an in-patient or
Curtailment Charges out-patient at a public hospital
Claims under Section C – Cancellation or • Subsidised medicines under the
Curtailment Charges, are not covered for Pharmaceutical Benefits Scheme, and
incidents arising directly or indirectly from any • Benefits for medical treatment provided by
pre-existing medical condition known to you doctors through private surgeries and
prior to booking any trip affecting any close Government Health Centres (not hospitals).
relative, close business associate, travelling19
Worldwide Travel Insurance
You must enrol at Medicare offices in Australia Payment for Medical Treatment Abroad
if you will be receiving treatment. If you receive If you are admitted to a hospital/clinic while
treatment before you enrol, Medicare benefits outside the United Kingdom, we will arrange for
can be backdated, if you are eligible. To be medical expenses covered by the policy to be paid
eligible you must be a resident of the United direct to the hospital/clinic. To take advantage of
Kingdom and will need to show your British this benefit someone must contact us for you as
passport with an appropriate visa. If you do not soon as possible.
enrol at Medicare offices we may reject your
For simple out-patient treatment, you should
claim or limit the amount we pay to you. If you
pay the hospital/clinic yourself and claim back
need treatment which cannot be carried out
medical expenses from us on your return to the
under Medicare you MUST contact our 24-hour
United Kingdom. Beware of requests for you to
Emergency Service before seeking private
sign for excessive treatment or charges. If in
treatment. If you do not do so, we may reject
doubt regarding any such requests, please call
your claim or limit the amount we pay to you.
us for guidance.
For more information you should contact:
Health Insurance Commission, PO Box 1001,
Tuggeranong, ACT 2901, Australia or visit their
website at: hic.gov.au
Emergency Assistance
In the event of a serious illness or accident which
may lead to in-patient hospital treatment, or
before any arrangements are made for
repatriation or in the event of curtailment
necessitating your early return home, or in the
event of you incurring medical expenses in excess
of £500, you must contact us. The service is
available to you and operates 24 hours a day, 365
days a year for advice, assistance, making
arrangements for hospital admission, repatriation
and authorisation of medical expenses. If this is
not possible because the condition requires
immediate emergency treatment you must
contact us as soon as possible. Private medical
treatment is not covered unless authorised
specifically by us.
Medical Assistance Abroad
We have the medical expertise, contacts and
facilities to help should you be injured in an
accident or fall ill. We will also arrange transport
home when this is considered to be medically
necessary, or when you have notice of serious
illness or death of a close relative at home.
Contact AXA Assistance on telephone:
+44 (0) 344 249 9981 or + 44 (0) 203 147 7363.20
Worldwide Travel Insurance
General Conditions
You must comply with the following conditions to have the full protection of the policy.
‑If you do not comply we may at our option refuse to deal with your claim, or reduce the
amount of any claim payment.
1. You must comply with our Important Health 6. The maximum age limit for benefits is
Requirements. No cover will come into force, or 79 years (or 64 years to participate in
continue in force, for Medical Emergency and Winter Sports Activities).
Repatriation Service, Cancellation or
7. Cover commences on the date you open an
Curtailment, unless each insured person who
Everyday Extra Current Account and will
must make a medical health declaration in
continue for each month you hold that
respect of the period for which insurance is
account and continue to pay the monthly
required, has declared ALL pre-existing
subscription. Before the annual renewal date
medical conditions to us and they have been
or the annual renewal date of your medical
formally accepted by us in writing.
health declaration you will need to declare
Any medical information you give us will be or re-declare any pre-existing medical
treated as strictly confidential. We will not conditions in accordance with the Important
pass your medical information to anyone Health Requirements.
without your specific authority. We will use it
8. You must take all reasonable care and
to decide whether or not we can cover you
precautions to protect yourself against
and we will refer to it in the event of any claim.
accident, illness, disease or injury and to
2. You must tell us before booking any trip or safeguard your property against loss, theft
departing on any trip if there is any change or damage. You must act as if you are not
in your health, medication or treatment. insured and take steps to minimise your loss
If you do not tell us about changes, claims as much as possible and take reasonable
may not be accepted and your policy may be steps to prevent a further incident.
invalid. All changes must be declared to the
9. We will make every effort to apply the full
Co-operative Bank Medical Assessment
range of services in all circumstances as
Helpline on 0344 249 9981 and accepted
shown in your policy booklet. Remote
before cover can continue.
geographical locations or unforeseeable
3. You must tell us as soon as possible if you adverse local conditions may prevent the
are hospitalised as an in-patient, or of any normal standard of service being provided.
emergencies or claims whatsoever that are
10. You must not admit, deny, settle, reject,
likely to exceed £500.
negotiate or make any arrangement for any
4. We ask that you notify us within 28 days of claim without our permission.
you becoming aware of an incident or loss
11. Tell us and provide full details in writing
leading to a claim and you return your
immediately if someone is holding you
completed claim form and any additional
responsible for damage to their property or
information to us as soon as possible.
bodily injury to them. You must also
5. In the event of a claim and if we require it, immediately send us any writ or summons,
you must agree to be examined by a medical letter of claim or other document.
practitioner of our choice, at our expense. In
12. We have the right, if we choose, in your
the event of your death we may also request
name but at our expense to:
and will pay for a post-mortem examination.
a) take over the defence or settlement of any
claim,21
Worldwide Travel Insurance
b) take legal action in your name to get • Makes a claim in respect of any loss or
compensation from anyone else for our damage caused by your wilful act or with
own benefit or to get back from anyone your connivance
else any payments that have already been
then we
made, and
• Will not pay the claim or any future claim
c) take any action to get back any lost
made under the policy
property or property believed to be lost.
• May at our option terminate the policy
13. We may at any time pay to you our full liability
under the policy after which no further • Shall be entitled to recover from you any
payments will be made in any respect. amount already paid to you under the
relevant claim
14. You or your legal representatives must supply
at your own expense all information, evidence, • May inform the police of the
details of household insurance, medical circumstances and shall not make any
certificates, original invoices, receipts, reports return of premium.
and assistance that may be needed. We may
refuse to reimburse you for any expenses for 18. If we pay any expense for which you are not
which you cannot provide receipts or bills. covered, you must pay this back within one
Please keep copies of all documents sent to us. month of our asking.
15. You must report all incidents to the local 19. You must give us, at your expense, all the
police in the country where they occur and information, documents and medical
obtain a crime or lost property report, which certificates we ask for including details of other
includes an incident number. insurance policies that may cover the loss.
16. If we provide transportation or settle your 20. If at the time of any incident which results in
claim and as a result you have unused travel a claim under this policy, there is another
ticket(s) you must surrender those tickets to us. insurance covering the same loss, damage,
If you do not we will deduct the amount of expense or liability, we will not pay more
those tickets from any amount paid to you. than our proportional share (not applicable
to Section J – Personal Accident).
17. It is important that when applying for
insurance (normally when applying for an 21. You must claim against your private health
account) or submitting a claim, you or insurer, state health provider and/or
anyone acting on your behalf must take other travel insurer for any in-patient
reasonable care to answer all questions medical expenses abroad up to
honestly and to the best of your knowledge. all applicable limits.
Failure to do so may affect the validity of
your policy or the payment of your claim. If
you or anyone acting for you in any respect:
• Makes a claim under the policy knowing
the claim to be false or fraudulently
exaggerated
• Makes a statement in support of a claim
knowing the statement to be false
• Submits a document in support of a claim
knowing the document to be forged or
false, or22
Worldwide Travel Insurance
General Exclusions
We will not pay for claims arising directly or indirectly from:
1. Under all sections, any claim arising from a rallies and motor competitions or any tests
reason not listed in what is covered. for speed or endurance.
2. War, invasion, acts of foreign enemies, 7. Skiing against local authoritative warning
hostilities or warlike operations (whether war or advice.
be declared or not), civil war, rebellion,
8. Any claim resulting from you attempting or
terrorism, revolution, insurrection, civil
committing suicide; deliberately injuring
commotion assuming the proportions of or
yourself; using any drug not prescribed by a
amounting to an uprising, military or
registered medical practitioner, being
usurped power but this exclusion shall not
addicted to any drugs, or abusing solvents,
apply to losses under Section G – Emergency
drugs, or alcohol, or being under the
Medical and Other Expenses and Section H
influence of drugs, solvents, or alcohol.
– Hospital Benefit unless such losses are
caused by nuclear, chemical or biological 9. Self exposure to needless peril (except in an
attack, or the disturbances were already attempt to save human life).
taking place at the beginning of any trip.
10. Any claim resulting from your involvement in
3. Ionising radiation, or contamination by a fight except in self-defence.
radioactivity from any nuclear fuel or from
any nuclear waste, from combustion of 11. A condition you have in respect of which a
nuclear fuel, the radioactive, toxic, explosive medical practitioner has advised you not to
or other hazardous properties of any nuclear travel or would have done so had you sought
assembly or nuclear component of such his/her advice.
assembly. 12. A condition for which you are travelling with
4. Loss, destruction or damage directly the intention of obtaining medical treatment
occasioned by pressure waves caused by (including surgery or investigation) or advice
aircraft and other aerial devices travelling at outside of the United Kingdom.
sonic or supersonic speeds. 13. A condition for which you are not taking the
5. Your participation in or practice of any sport recommended treatment or prescribed
or activity unless it is shown as covered in the medication as directed by a medical
list of Sports Activities and Winter Sports practitioner.
Activities on page 24. 14. You travelling against any health
6. Your engagement in or practice of: manual requirements stipulated by the carrier, their
work involving the use of dangerous handling agents or any other public
equipment in connection with a profession, transport provider.
business or trade; flying except as a fare 15. Your own unlawful action or any criminal
paying passenger in a fully-licensed proceedings against you or any loss or
passenger-carrying aircraft; the use of damage deliberately carried out or caused
motorised vehicle unless a full United by you.
Kingdom driving licence is held permitting
the use of such vehicles and in the case of 16. Any other loss, damage or additional
two or three wheeled vehicles you and your expense following on from the event for
passenger are wearing a helmet; which you are claiming, unless we provide
professional entertaining; professional cover under this insurance. Examples of such
sports; racing (other than on foot); motor loss, damage or additional expense would be23
Worldwide Travel Insurance
the cost of replacing locks after losing keys; 24. Any circumstances known to you before you
cost incurred in preparing a claim; loss of purchased your policy or at the time of
earnings following bodily injury or illness; or booking any trip which could reasonably
loss or costs incurred arising from the have been expected to lead to a claim under
interruption of your business. this policy.
17. Any claim where you are entitled to 25. No insurer shall be deemed to provide and
indemnity under any other insurance, no insurer shall be liable to pay any claim or
including any amounts recoverable from any provide any benefit here under to the extent
other source, except in respect of any excess that the provision of such cover, payment or
beyond the amount which would have been such claim of such benefit would expose that
covered under such other insurance, or any insurer to any sanction, prohibition or
amount recoverable from any other source, restriction under United Nations resolutions
had the benefits in this policy herein not or the trade or economic sanction, laws or
been effected. regulations of the European Union, United
Kingdom or United States of America.
18. Operational duties as a member of the
Armed Forces. 26. Any virtual currency including but not limited
to crypto-currency, including fluctuations in
19. Your travel to a country, specific area or
value.
event when the Travel Advice Unit of the
Foreign, Commonwealth & Development
Office (FCDO) or regulatory authority in a
country to/from which you are travelling has
advised against all travel or all but essential
travel.
20. Any claim resulting from something you
knew about at the time of opening your
Everyday Extra Current Account or before
booking any trip and which you did not
declare to the Medical Assessment Helpline
on 0344 249 9981 when opening your
Everyday Extra Current Account or before
booking any trip.
21. Any claim caused by you climbing, jumping
or moving from one balcony to another
regardless of the height of the balcony.
22. Any costs you would have been required or
been expected to pay, if the event resulting
in the claim had not happened.
23. Costs of telephone calls or faxes, meals, taxi
fares (with the sole exception of the taxi
costs incurred for the initial journey to a
hospital abroad due to an insured person’s
illness or injury), newspapers, laundry costs,
interpreters’ fees (with the sole exception of
the interpreter costs for valid claims under
Section L – Overseas Legal Expenses and
Assistance), inconvenience, distress, loss of
earnings, or loss of enjoyment.24
Worldwide Travel Insurance
Sports and Winter Sports Activities
You must accept and follow the supervision and tuition of experts qualified in the pursuit or activity
in question and you must use all appropriate precautions, equipment and eye protection.
Disregarding such advice and precautions may invalidate any claim you make.
Under no circumstances will any claims arising from any unlisted activities (e.g. cliff jumping, quad
biking, canyoning) be covered regardless of whether it is undertaken as part of an organised
excursion or event.
Sports Activities
This policy covers you when you are engaging in the following sports and activities on a
non-competitive and non-professional basis provided your participation is not the sole or main
reason for your trip.
• Abseiling† • Paintball†
• Archery †
• Pony Trekking
• Badminton • Racquetball
• Baseball • Roller skating
• Basketball • Rounders
• Bowling • Running
• Camel Riding • Sailing (within 20 Nautical Miles of
• Canoeing (up to grade/class 2) the coastline)
• Canoeing (up to grade/class 3 to 4)† • Sailing (Outside 20 Nautical Miles of
the coastline)†
• Clay pigeon shooting†
• Scuba diving - to the following depths, when
• Cricket
you hold the following qualifications:
• Cycling on tarmac†
- PADI Open Water - 18 Metres
• Elephant Riding
- PADI Advanced Open Water - 30 Metres†
• Fell running†
- BSAC Ocean Diver - 20 Metres†
• Fencing†
- BSAC Sports Diver - 35 Metres†
• Fishing
- BSAC Dive Leader - 50 Metres†
• Football
If you do not hold a qualification, we will only
• Go-Karting† cover you to dive to a depth of 18 Metres.
• Golf
• Squash
• Hockey
• Surfing
• Horse Riding†
• Table Tennis
• Horse Trekking
• Tennis
• Hot air ballooning†
• Trampolining
• Jet Biking†
• Trekking (Up to 4,000 metres without use of
• Jet Skiing† climbing equipment)
• Kitesurfing • Volleyball
• Mountain bicycling on tarmac† • War games†
• Netball • Water polo
• OrienteeringYou can also read
