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LUXURY HOLIDAY INSURANCE
We strongly advise that all travellers take out a travel Medical Emergency: In the event of a medical emergency Section 2 – Emergency Dental Treatment
insurance policy for the period of their travel and Gold Medal
you must contact the insurers as soon as possible, before Up to £150 for the costs of providing temporary treatment for
Travel have tailored a travel insurance package. Benefits
incurring expenses in excess of £500. If you are physically
the immediate relief of pain.
under this policy are underwritten by Europ Assistance Holding
prevented from contacting the insurers immediately, you or Section 3 – Additional Accommodation & Travelling Costs
Irish Branch of 79 Merrion Square, Dublin 2, Ireland. To book
In the event of a valid claim under Section 1 - Medical
your travel insurance please contact your travel agent.
someone designated by you must contact the Insurers within
48 hours. Emergency Helpline is 0844 338 5862.
Emergency & Repatriation, up to £5,000 for additional
Gold Medal Travel Group PLC is an Appointed
travelling and accommodation costs.
Representative of ITC Compliance Ltd which is Authorised
Pregnancy and Childbirth: Cover under this policy is provided
and Regulated by the Financial Services Authority (FSA). for unforeseen events. In particular, cover is provided under
Section 4 – Hospital Daily Benefit
In the event of a valid claim under Section 1 - Medical
DEMANDS & NEEDS
Section 1 for unforeseen bodily injury or illness. Pregnancy and
Emergency & Repatriation, a benefit of £40 per complete day
This travel insurance policy will suit the Demands and Needs of Childbirth are not considered to be either an illness or injury. For
of in-patient treatment up to a maximum of £600.
an individual, or group who have no excluded pre-existing the avoidance of doubt, please note that cover is ONLY given
medical conditions, are travelling to countries included within
under Sections 1, 3, 4 and 5 of this policy for claims arising
Section 5 – Cancellation & Curtailment
the policy terms and who wish to insure themselves against the Irrecoverable travel and accommodation costs up to a
from Complications of Pregnancy and Childbirth. Please make
unforeseen events detailed in the cover section below. Subject maximum £10,000, due to death, injury, illness, jury service
sure You read the definition of Complications of Pregnancy and
to terms and conditions and maximum specified claim limit. or redundancy.
Childbirth given under the Meaning of Words below.
IMPORTANT Section 6 – Travel Delay & Abandonment
We will not provide you with advice about the suitability of this
Third Party Liability: If you use any form of mechanically
Up to £250. In the event of a 12 hour delay £25 per insured
product for your individual needs but we will be happy to propelled vehicle, (e.g. car, motor cycle, moped or scooter) sail
Person and £25 for each subsequent 12 hour period will be
provide you with factual information. or powered boat, or an aircraft, no liability cover will apply
paid, up to a maximum of £250. For more than 12 hours beyond
The following is only a brief synopsis of the cover, as full
under this policy and you must ensure that cover for third party the intended departure time you can choose instead to abandon
details will be forwarded with your booking invoice or travel injury or property damage is included with the cost of hire. your trip and submit a cancellation claim under Section 5.
documents in the case of late bookings. A specimen policy is
Policy Document: This contains full details of what is and is not
Section 7 – UK Departure Assistance & Missed UK Connection
available if required.
covered and the conditions of the cover. You should read the
Up to £1,000 to meet the additional costs incurred should you
YOUR HOLIDAY INSURANCE ‘MAIN FEATURES’
policy document carefully.
be delayed on your outward journey from the UK or you have
Gold Medal have tailored a travel insurance policy
missed your planned UK internal travel connection on your
specifically designed to cater for the needs of customers Conditions, Exclusions and Notes: Conditions and exclusions
return to the UK.
purchasing our products. The many great features will apply to individual sections of your policy while general
of this policy include:
Section 8 – Missed Departure on the Outward Journey
exclusions, conditions and notes will apply to the whole of
Up to £1,000. Reimbursement of extra travel and
• Medical Expenses up to £10 million. your policy.
accommodation expenses.
• A Personal Belongings limit of £3,000 (with up to £300
Personal Possessions: While this policy provides cover for
Section 9 – Personal Luggage
for a Single Article and £500 for Valuables).
your personal luggage, if you are planning to take expensive
Up to £3,000. Single article limit £300. Valuables limit £500.
• Cancellation Cover up to £10,000 per person. items such as sophisticated photographic equipment, jewellery
Section 10 – Luggage Delay on your Outward Journey
IMPORTANT NOTES and other valuables with you then you should check that you
Up to £250 for the purchase of essential items if your luggage
The Insurers are required to draw your attention to important have adequate personal possessions cover, under a home
has been lost or misplaced on the outward journey for a
features of your Policy including:
contents insurance policy. The maximum the insurers will pay
period in excess of 12 hours.
Material Facts: You must declare to the insurers all material under this policy for valuables owned per insured person is
Section 11 – Money and Passport
facts that are likely to affect this insurance. Failure to do so may
limited to £500.
Money up to £600 (£400 cash). Under 16’s £50.
prejudice entitlement to claim. If you are uncertain as to whether
a fact is material, you should declare it to the insurers. A definition
Personal Property Claims: These claims are paid based on Passport £250.
of a ‘material fact’ is in the policy in the meaning of words.
the value of the goods at the time that they are lost and not on
Section 12 – Personal Liability
Health:
a ‘new for old basis’ or replacement cost basis; thus a
This policy contains restrictions regarding pre-existing
Up to £2,000,000.
medical conditions which unless declared and accepted by
deduction is made for wear, tear, and depreciation.
Section 13 – Personal Accident
the Insurers in writing prior to travel may invalidate any
Policy Limits: Most sections of your policy have limits on the
Up to £5,000 in respect of accidental death. Other capital
subsequent claim. If you are in any doubt as to whether you
amount the insurer will pay under that section. Some sections
benefits for loss of sight, limb(s), or permanent total
would be covered by the policy please call the Medical
also include other specific limits, for example for any one item
disablement, benefits payable up to £25,000. Death benefit
Screening Helpline on 0844 338 5866.
or for valuables in total. You are advised to check your policy.
for children or persons aged under 16 years, limited to
Standard Sports and Activities: Standard Sports and Activities
£1,500. No permanent total disablement benefit is payable
are defined in the policy in the meaning of words. If you are
Reasonable Care: You need to take all reasonable care to
for persons over 65 years of age.
going to take part in any other sports and activities where there
protect yourself and your property, as you would if you were
Section 14 – Legal Protection
may be a high risk of injury or if you are in any doubt as to not insured.
Up to £50,000. To pursue a claim for personal injury or death
whether cover will apply, please refer to Gold Medal Travel or
Cooling Off Period: If, when reading your policy, you decide against a third party.
call the Travel Helpline on 0844 338 5863.
that it does not meet your requirements, please return the
CLAIMS
Age Limit: No section of this policy shall apply in respect of
policy and booking invoice to Gold Medal Travel within Claims forms can be obtained from http://www.europ-
any person who has reached the age of 65 years at the time
14 days of you having received it. On condition that you have assistance.co.uk/clientclaimforms
of commensement of the Period of insurance for an Annual
Multi-trip Policy or 76 years at the time of departure for a
not made a trip and you have not submitted a claim or know
Alternatively telephone the Claims Helpline on 0844 338
Single Trip Policy.
of any circumstances that may lead to a claim, you will be
5865 to obtain a claim form, giving your name and booking
Trip Limits: Your policy contains strict limits on the length of time
refunded any premium you have paid. invoice number, and brief details of your claim. The premium is
you can spend travelling abroad on each trip. A definition of a
A BRIEF SUMMARY OF YOUR COVER
to be added to the deposit payment. Children under two
‘trip’ is in the policy in the meaning of words. IF YOU TRAVEL
years of age at the time of departure and for whom no travel
FOR MORE THAN THE NUMBER OF DAYS FOR WHICH
Section 1 – Medical Emergency & Repatriation
charge is made are covered at Nil premium in respect of all
YOU HAVE PAID FOR COVER, YOU WILL NOT BE COVERED
Up to £10,000,000. Includes repatriation by air ambulance
sections of the policy when travelling with an insured adult.
AFTER THE LAST DAY FOR WHICH YOU HAVE PAID. Trips
where medically necessary and with prior authorisation of the Europ Assistance Holdings Ltd is authorised and regulated by
must commence and end in the UK Area. 24 hour emergency service. the Financial Services Authority.
LUXURY HOLIDAY INSURANCE | 129
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