Annual Holiday Multi Trip Travel Insurance

Globelink Travel Insurance Policy Single and Annual Multi Trip Cover Welcome Thank you for choosing us for your insurance. This This insurance is only available to persons who are currently document sets out what is and what is not covered. Certain legally resident in the United Kingdom, European Union or words shown in bold in this document have specific European Economic Area (EEA) and registered with a meanings and these are explained in the General Definitions medical practitioner or entitled to free public healthcare Section. under reciprocal arrangements currently in place in the United Kingdom, European Union or EEA. This travel insurance has been arranged by Globelink If an insured person is aged under 16 he/she is only International Travel Insurance Consultants Limited insured when travelling with one or both of the insured adults (“Globelink International”) in conjunction with All Seasons (or accompanied by another responsible adult). Underwriting Agencies (“ASUA”). Please contact ASUA if you need any documents to be made available in braille We will not provide any cover if any person wanting to be and/or large print and/or in Audio format. insured does not meet the above requirements. The insurer for this insurance is Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited. You and all insured persons must observe travel advice Registered office: Gallery 9 One Lime Street, London, EC3M provided by an EEA recognised Government body. (For 7HA. Registered in England and Wales No. 01514453. residents of the United Kingdom this is the Foreign and Authorised by the Prudential Regulation Authority and Commonwealth Office (FCO)). No cover is provided under regulated by the Financial Conduct Authority and the any section of this insurance in respect of travel to a Prudential Regulation Authority. Firm Ref. 204847. destination to which the FCO or an EEA recognised Government body has advised against all or all but essential Please check that the cover explained in this document, travel at the time of booking or travel. For residents of the which accompanies the Validation Certificate meets your United Kingdom, travel advice can be obtained from the needs and that you understand it. If you have any questions FCO on telephone number +44 (0)207 008 1500 or by about your insurance, please contact Globelink visiting their website at www.fco.gov.uk. International at [email protected] or call +44 (0)1353 699082. All insurance documents and all communications from us about this insurance will be in English. Subject to the policy terms and conditions, this insurance The Contract of Insurance lasts for either the duration of a single trip or for a year if you have chosen annual multi trip cover. Your period of This document, together with your Validation Certificate, insurance is shown on your Validation Certificate. are your insurance documents and together they make up the contract between you and us. The contract does not Please take time to read Part 1 “Important Information” give, or intend to give, rights to anyone else. No-one else in this document. It tells you about things you need to check, has the right to enforce any part of this contract. actions which insured persons need to take, and things which insured persons need to tell us about once the The insurance provided by this document covers liability, insurance has started. loss, damage, death or disability that happens during any period of insurance for which you have paid, or agreed to This document gives details of many sections of cover. pay, the premium. This insurance is provided under the Some sections of cover only apply if you have chosen a terms and conditions contained in this document or in any certain level of cover or type of policy, and/or you have paid amendment made to it. an additional premium. The sections of cover which you This document and your Validation Certificate are issued have chosen, and the level of benefit which will be payable in to you by Compass Underwriting Limited in its capacity as the event of a valid claim under each section of cover, are agent for the insurer, Lloyd’s Syndicate 4444, under contract shown in your Validation Certificate. reference B6839/AH002. To request any extension of the period of insurance after Signed by: the commencement of travel you must contact Globelink International on +44 (0)1353 699082 and advise of any circumstances which at the time of your request could reasonably be expected to cause a claim under this (Andrew Briant) insurance. We do not guarantee that any extension of cover Authorised signatory for Compass Underwriting Limited, 50 will be provided. Mark Lane, London EC3R 7QR, United Kingdom V10.17 1 PART 1 - IMPORTANT INFORMATION d) any disease, illness or injury for which an insured person has received a terminal prognosis; e) any disease, illness or injury an insured person is This is not a private medical insurance. If an insured person aware of but for which he/she has not had a diagnosis; needs any emergency medical treatment whilst abroad f) any disease, illness or injury for which an insured he/she must contact our 24 hour Emergency Assistance person is on a waiting list or has knowledge of the Company, Mayday Assistance. Not contacting them, or not need for surgery, treatment or investigation at a following their instructions, could affect an insured person’s hospital, clinic or nursing home. claim. Full details are shown under the Making a Claim Section. No Screen Conditions Insured persons do not need to contact ASUA Medical There are conditions which apply to the whole of this Screening in respect of any pre-existing medical insurance and full details of these can be found under the conditions that an insured person has that are General Conditions and Exclusions Section. There are also included in this list and if the words in brackets apply to conditions which relate specifically to making a claim, and the insured person. The condition must have been these can be found under the Making a Claim Section. stable and well controlled for the last 12 months on In the above Sections you will find conditions that you and medication administered by a medical practitioner and all other insured persons need to meet. If you and/or any an insured person must not have required a hospital other insured person(s) do not meet these conditions, we admission or referral to a specialist because of a may need to reject a claim payment or a claim payment worsening of his/her condition. could be reduced. In some circumstances your policy may be cancelled. Acne ADHD - Attention Deficit Hyperactivity Disorder Declaration of Medical Conditions and Health Any disabilities impairing mobility, vision or mental health providing an insured person is accompanied by Changes an appropriate carer for when any assistance is required This travel insurance policy contains conditions and Arthritis - Juvenile, Osteoarthritis, Rheumatoid or exclusions in relation to the health of the insured persons Psoriatic Arthritis, Reiter’s Syndrome, Rheumatism. and of others who might not be travelling with an insured (There must have been no hospital admissions within person but whose well-being the insured person’s trip may the last 12 months. depend upon. The arthritis must not affect the back more than any other area of the body. The insured person must not All insured persons must comply with the following be taking more than 2 medications. conditions relating to pre-existing medical conditions and The insured person must not require any mobility aids, health changes in order to have the full protection of this other than a walking stick. insurance. If an insured person does not comply with these There must have been no dislocations or any joint conditions we may cancel the insurance, or refuse to deal replacements. with the insured person’s claim or reduce the amount of The insured person must not be awaiting surgery. The any claim payment. insured person must have no lung problems/respiratory disorders.) Pre-existing medical conditions Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance & Hay Fever) It is a condition of this insurance that an insured person will Asthma (providing it was diagnosed before age 50, and not be covered under Section A – Cancellation or curtailment the insured person is taking/using no more than 2 charges, Section B – Emergency medical, repatriation and medications/inhalers and has not been admitted to other expenses, or Section C - Personal accident of this hospital in the last year) policy for any claims arising directly or indirectly from any Bells Palsy pre-existing medical condition that an insured person Benign Positional Vertigo has unless the insured person has contacted ASUA Bladder Infection Medical Screening +44 (0)203 327 0556/Email: Breast Cancer/Prostate Cancer (provided the insured [email protected] and we have agreed to provide person: cover, or all of the pre-existing medical conditions that an -was diagnosed more than 12 months ago insured person has are included in the list of “No Screen - has not had any chemotherapy or radiotherapy in the Conditions” shown on the next page of this policy and the last 12 months and the cancer has not spread outside words in brackets apply to the insured person. the breast or prostate at any time - in the case of cancer of the prostate the insured In relation to this policy, a pre-existing medical condition person must have a PSA of 3.0 or less is: Bunions a) any respiratory condition

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