BUNAC Travel FAQs. About Buying a Policy. Important Conditions Relating to Health. About My Policy. About the FCO. About Whilst I Am Abroad

Transcription

1 BUNAC Travel FAQs About Buying a Policy 1. Which countries can I travel to with your insurance? 2. How far in advance am I able to purchase my travel insurance policy? 3. Can my friend and I be covered under the same travel insurance policy? 4. How old must I be to take out travel insurance with you? 5. Do your policies have a maximum age limit? 6. Should I add the traveller s age at the date of purchase or their age at the date of travel? 7. Can I purchase your travel insurance if I don t live permanently in the United Kingdom? 8. Can I arrange travel insurance for my trip which will be starting outside of the UK? 9. Can I purchase travel insurance for a one way trip? 10. I am already in the middle of my trip, can I purchase travel insurance to cover the rest of my stay? Important Conditions Relating to Health 11. Am I covered for pre-existing medical conditions? 12. I am pregnant. Will your travel insurance cover me? 13. What medical conditions do you need to know about when taking out an Endsleigh travel insurance policy? About My Policy 14. What is a travel insurance policy excess? 15. What type of activities would I be covered for whilst I am abroad? 16. Am I covered for taking part in amateur competitions? 17. If I am covered to take part in sport, is my equipment also covered? 18. What limitations are there for sailing/yachting? 19. What limitations are there for scuba diving? 20. Can I return home during the cover period? 21. What happens if my return journey home is unavoidably delayed? 22. What if I change my mind and no longer want the policy? 23. I have returned early from my trip and would like to cancel my policy. Do I get a refund? About the FCO 24. Who are the FCO? 25. How do I know if my holiday destination is safe to travel to? 26. What should I do if the Foreign & Commonwealth Office or World Health Organisation advises the public not to travel to my holiday destination? About Whilst I Am Abroad 27. Should I take my policy on my trip with me? 28. If I am abroad and wish to stay longer than originally planned, can I extend my cover? 29. What should I do if there is a medical emergency whilst I am abroad? 30. Do I have to pay for emergency medical expenses abroad and claim them back or are they paid directly? 31. What happens if I m the victim of a terrorist attack whilst abroad? About Making a Claim 32. How will I know if my claim is covered by my policy? 33. What should I do if my baggage, money, passport or travel documents are lost, stolen or damaged? 34. What do I need to do in the event of a travel delay? 35. Who will deal with my travel insurance claim once it has been reported?

2 Travel FAQs: Responses About Buying a Policy 1. Which countries can I travel to with your insurance? Our geographical limits are: Worldwide excluding USA, Canada & Caribbean: All countries in the world other than USA, Canada and Caribbean. Worldwide including USA, Canada & Caribbean: Anywhere in the world. 2. How far in advance am I able to purchase my travel insurance policy? You should purchase your travel insurance as soon as you have booked and paid for your trip. This can be done 365 days in advance of your travel date. This will ensure that you have cancellation cover should you not be able to travel due to an insured event. 3. Can my friend and I be covered under the same travel insurance policy? Only one traveller per policy is permitted. 4. How old must I be to take out travel insurance with you? You need to be at least 18 years old to take out your own policy. 5. Do your policies have a maximum age limit? The policy is not available to anyone aged 56 or over. 6. Should I add the traveller s age at the date of purchase or their age at the date of travel? Please enter the age of the traveller at the time of the trip departure. 7. Can I purchase your travel insurance if I don t live permanently in the United Kingdom? No, BUNAC policies can only cover permanent residents of the UK who are registered with a GP in the UK. To be considered permanently resident, you must have your main home in the UK and if in employment are registered for UK income tax. 8. Can I arrange travel insurance for my trip which will be starting outside of the UK? No, these policies can only cover trips which begin and end in the United Kingdom. 9. Can I purchase travel insurance for a one way trip? No, unfortunately we are not able to offer cover for one way journeys unless a return ticket is purchased and used during the period of insurance. 10. I am already in the middle of my trip, can I purchase travel insurance to cover the rest of my stay? No, the travel insurance must have been purchased prior to the outset of the journey. The start and end date of the trip for your insurance should be for the period you leave home to the time you return. Important Conditions Relating to Health 11. Am I covered for pre-existing medical conditions? Some pre-existing medical conditions are covered, to learn more about the full terms and conditions please call a representative at BUNAC today on I am pregnant. Will your travel insurance cover me? Travel against any health requirements stipulated by the carrier, their handling agents or other public transport provider would not be covered. We do not offer medical cover for normal pregnancy, without accompanying bodily injury, illness, disease or complication. The policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and normal childbirth would not constitute an unforeseen event. 13. What medical conditions do you need to know about when taking out an Endsleigh travel insurance policy? To have full protection of your policy it is essential that you comply with the conditions described under important conditions relating to health in the policy wording. Failure to comply with these conditions may jeopardise a claim or cover.

3 About My Policy 14. What is a travel insurance policy excess? Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of each and every claim per incident claimed for by each insured person. We will cover you for the remaining amount up to the limit of your cover. 15. What type of activities would I be covered for whilst I am abroad? Over 100 sports and activities are automatically included for no additional charge and most are covered in full however often you undertake them during your trip. 16. Am I covered for taking part in amateur competitions? Unless otherwise stated, cover is available for amateur sports competitions. 17. If I am covered to take part in sport, is my equipment also covered? No, cover for sports and activities only covers injury to yourself and does not cover your equipment. 18. What limitations are there for sailing/yachting? As long as you are a qualified sailor either a day skipper - either practical or shore based or; an International Certificate of Competency, or are sailing with flotilla support then we can offer cover. However if you are intending to go sailing, but have no sailing qualifications, no experience and no flotilla sailing support, we must decline. 19. What limitations are there for scuba diving? Scuba diving to a depth of 18 metres below sea level can be covered as standard if you are a qualified scuba diver and not diving alone or accompanied by a qualified instructor. If you are scuba diving between metres below sea level and are a qualified scuba diver and not diving alone or accompanied by a qualified instructor this can be covered as a an additional activity 20. Can I return home during the cover period? Yes, unlimited visits home during your trip are allowed for up to a maximum of 14 days per trip. Cover ceases during these trips home. 21. What happens if my return journey home is unavoidably delayed? If you are unavoidably delayed due to an event insured by your policy (for example, delayed departure for the trip home due to adverse weather conditions), the period of insurance is automatically extended for the period of delay without charge. 22. What if I change my mind and no longer want the policy? You are free to cancel the policy at any time. We will refund your premium less a charge for the time you have been insured, provided you have not travelled or you have not claimed, in which case no refund will be due. 23. I have returned early from my trip and would like to cancel my policy. Do I get a refund? No, if you have travelled no refund will be due.

4 About the FCO 24. Who are the FCO? The Foreign & Commonwealth Office (FCO), is a government agency. They provide practical advice, assistance and support to British nationals who travel overseas. Know before you go is an FCO campaign which helps travellers have a safe and enjoyable holiday by encouraging them to be better prepared before going. They offer travel advice, how to stay safe abroad and what to do when things go wrong. 25. How do I know if my holiday destination is safe to travel to? The Foreign & Commonwealth Office publishes up-to-date advice by country and whether or not it s safe to travel there. To view advice on the country or region you intend to travel to, visit the Foreign & Commonwealth Office, travel advice by country website. The World Health Organisation provides information and advice on health risks for travellers by country. To view information on the country or region you intend to travel to, visit the World Health Organisation, international travel and health website. It is important to note that you will not be covered for any claims arising from your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel. 26. What should I do if the Foreign & Commonwealth Office or World Health Organisation advises the public not to travel to my holiday destination? If you wish to cancel your holiday before you travel, you should check your tour operator s terms and conditions of booking, paying particular attention to the section on cancellations. Contact your tour operator and under the Association of British Travel Agents (ABTA) code of conduct, you should be offered the chance to defer your trip, choose an alternative holiday or have a full refund. About Whilst I Am Abroad 27. Should I take my policy on my trip with me? Yes, you should take your policy with you and make a note of your policy number. You should also leave details of your policy and policy number with someone at home in case of an emergency. 28. If I am abroad and wish to stay longer than originally planned, can I extend my cover? Provided there is no break in cover, you can confirm that no claims have been made, and no incidents have arisen during the trip that could lead to a claim being made, then we can extend the cover up to the maximum duration allowed. To extend your cover please call B U N A C on What should I do if there is a medical emergency whilst I am abroad? You must give notice as soon as possible to the Emergency Assistance Service. The Emergency Assistance Service has the medical expertise, contacts and facilities to help should you be injured in an accident or fall ill while abroad. The service will also arrange transport home if this is considered to be medically necessary or when you have notice of serious illness or death of a close relative at home. 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. What should I do if there is a medical emergency whilst I am abroad? Contact the Emergency Assistance Service on telephone number: +44 (0) Do I have to pay for emergency medical expenses abroad and claim them back or are they paid directly? If you are admitted to a hospital/clinic while abroad, the Emergency Assistance Service will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact the Emergency Assistance Service for you as soon as possible. For simple out-patient treatment, you should pay the hospital/clinic yourself and claim back medical expenses on your return home. 31. What happens if I m the victim of a terrorist attack whilst abroad? Your policy will cover medical expenses, personal accident and hospital benefit should you be a victim of a terrorist attack unless caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of your trip.

5 About Making a Claim 32. How will I know if my claim is covered by my policy? Carefully read the policy wording to understand the full benefits, limits, conditions and exclusions of your cover. If you do have cause to notify us of a claim or have any questions, please contact us as soon as possible preferably by phone and our trained claims staff will be happy to help you. All claims except legal expenses: Endsleigh Insurance, Shurdington Road Cheltenham Spa, Gloucestershire GL51 4UE Tel: or from abroad Tel: +44(0) travel.claims@endsleigh.co.uk Legal expenses only: Lyons Davidson Limited Victoria House 51 Victoria Street Bristol BS1 6AD Tel: or from abroad Tel: +44(0) What should I do if my baggage, money, passport or travel documents are lost, stolen or damaged? You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft. If items are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report the details to them in writing and obtain written confirmation. If items are lost, stolen or damaged whilst in the care of an airline you must: Obtain a Property Irregularity Report from the airline. Give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy). Retain all travel tickets and tags to submit to us. Please keep receipts for items as these will help you to substantiate your claim. 34. What do I need to do in the event of a travel delay? You must obtain confirmation from the airline, train, coach or Ferry Company (or their handling agents) in writing of the number of hours of delay and the reason for the delay. Carefully read the policy wording to establish if a claim can be made and if so, please contact us as soon as possible preferably by phone and our trained claims staff will be happy to help you. Endsleigh Insurance, P.O. Box 432, Cheltenham Spa, Gloucestershire, GL50 3YD Tel: +44(0) Who will deal with my travel insurance claim once it has been reported? We realise that when a claim is made it is a very stressful time for you. A dedicated team of travel claim handlers will make your claim as stress free as possible and help to answer any questions you may have. BUNFAQ13

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