Policy Wording CONTENTS Useful Contact Information General Information Introduction 1 Customer Services: Renewals: Definitions 1 0800 068 0060 or 0800 083 9500 or Period of insurance 2 020 3056 7994 020 3056 7995 Medical health requirements 2 ‘Cooling off’ period 3 Medical Screening: Claims: Sports and activities 3 0800 068 0060 or 020 8865 1654 or Automatic renewals 4 020 3056 7994 [email protected] 24 hour emergency service 5 24-Hour Emergency Medical Assistance: Reciprocal health agreements 5 020 8865 1640 How to make a claim 5 Complaints procedure 5 General conditions 6 Introduction Close business associate: Any person whose General exclusions 6 absence from business for one or more complete Purpose of this Insurance – to provide financial days at the same time as your absence prevents Your Cover protection and emergency assistance for your the effective continuation of that business. trip(s). This policy documentation issued by us Common law partner: A person living with SECTION 1: forms a contract of insurance between the another person as husband or wife (including Cancellation 7 underwriters, PTI Insurance Company Limited and same sex partner) at the same address for at SECTION 2: those people specified on your insurance least six consecutive months prior to the date of schedule. This contract is only valid when you Curtailment 7 application. have a valid insurance schedule and have paid the SECTION 3: appropriate premium. Complications of pregnancy: Toxaemia, Personal Accident 7 gestational hypertension, pre-eclampsia, ectopic You should read your policy documentation in pregnancy, hydatidiform mole (molar pregnancy), SECTION 4: full to understand what is and is not covered. PTI post-partum haemorrhage, retained placenta Emergency Medical Expenses and Repatriation 8 Insurance Company Limited are authorised and membrane, placental abruption, hyperemesis regulated by the Financial Services Commission in gravidarum, placenta praevia, stillbirths, SECTION 5: Gibraltar. Hospital Benefit 8 miscarriage, medically necessary emergency Governing Law: Both we and you are entitled to Caesarean section, medically necessary SECTION 6: choose the law applicable to the insurance. We termination and any premature births more than United Kingdom Expenses 8 propose English Law and in the absence of any 8 weeks (or 16 weeks in the case of a known SECTION 7: agreement to the contrary, English Law will apply. multiple pregnancy) prior to the expected Mugging Benefit 8 delivery date. SECTION 8: Definitions Country of residence: The United Kingdom, Channel Islands or Isle of Man. Personal Property 9 Wherever the following words and phrases appear SECTION 9: in this policy wording they will always have these Curtail/Curtailment: Return early to your home Personal Money and Documents 9 meanings: or the period you are hospitalised as an in-patient abroad. SECTION 10: We/Us/Our: PTI Insurance Company Limited. Documents: Passport, visa, driving licence and Loss of Passport Expenses 10 You/Your/Insured person: Each person named travel tickets. SECTION 11: on the policy documentation. Excess: An amount deducted per insured person, Travel Delay, Missed Connection Wherever the following words appear in bold print per policy section for each incident which results and Abandonment 10 in this policy wording they will always have these in a claim. SECTION 12: meanings: Gadgets: Mobile/smart phones, satellite Missed Departure 10 Business equipment: Any equipment you use for navigation systems (GPS), Personal Digital your business, trade or profession, as declared to SECTION 13: Assistants (PDAs), computers, laptops, tablet us and used for the sole purpose of your business Personal Liability 10 computers, games consoles (including handheld trip but not for the purposes of manual work. consoles) and all accessories for these items. SECTION 14: Business money: Cash or money orders held by Legal Expenses 10 Golf equipment: Golf clubs, golf balls, golf bag, you for business purposes. golf trolley, golf shoes and waterproof clothing. SECTION 15: Change in health: A change in your state of Hijack 11 Home: Your residential address in your country of health that occurs after the policy has been residence. SECTION 16: purchased. A change to your state of health Winter Sports Cover 11 includes: Immediate relative: Mother, father, sister, brother, wife, husband, common law partner, civil • any new disease, illness or injury that requires SECTION 17: partner, fiancé/e, your children (including medication, advice or treatment; or Golf Cover 12 fostered), grandparent, grandchild, parent-in-law, • a pre-existing medical condition where there is SECTION 18: son-in-law, daughter-in-law, sister-in-law, a change to medication, advice or treatment; or Business Travel Extension 13 brother-in-law, aunt, uncle, cousin, nephew, niece, • you undergoing tests or treatment or being step-parent, step-child, step-brother, step-sister, or SECTION 19: placed on a waiting list for out/day/in-patient legal guardian. Scheduled Airline Failure Insurance 13 treatment, investigations or surgery. 1 COL-PW11-01 COLUMBUS DIRECT POLICY WORDING Manual work: Work that is physical, including, Cover is included whilst travelling directly from but not limited to construction, installation, Period of insurance your home or business (whichever is the later) to assembly and building work. This does not include The period of insurance is specified on your policy your departure point and back again when you bar and restaurant staff, musicians and singers and documentation. All trips must start from your return, limited to a maximum of 24 hours in each fruit pickers (who do not use machinery). country of residence. If your return to your country direction. Medical condition: A disease, illness, injury or of residence is unavoidably delayed for an insured The total length of any one trip on an annual set of symptoms that have not been diagnosed reason, cover will be extended for the period of the policy is limited to the maximum number of days including psychological conditions. delay. No cover can be provided for trips that have shown on your policy documentation. already commenced at the start date of your policy If your policy renews during a trip then the Medical emergency service: The 24 hour except where you renew an existing annual multi-trip maximum number of days limit applies to the emergency medical assistance service appointed policy which fell due for renewal during the trip. whole trip. This policy is not valid for trips within by us. Single trip policies: your country of residence unless you have booked Medical practitioner: A registered practicing accommodation for 2 nights or more which has member of the medical profession who is not Cover under the Cancellation section starts from been paid for or is contracted to be paid for. related to you or to a travelling companion, or to the date of issue of the policy documentation and anyone you are intending to stay with. ends on commencement of the planned trip. For all other sections, cover starts when you leave Medical health Money: Cash and money/postal orders. your home or business (whichever is the later) to Personal accident: Accidental bodily injury commence the trip and ends on whichever of the requirements caused solely and directly by outward violent and following occurs first: This insurance is designed to cover you for visible means. 1. the expiry of the period of cover; or unforeseen illnesses and accidents occurring Personal baggage: Your suitcases (or similar 2. your return home as planned, at the end of the during the period of insurance and contains luggage carriers) and their contents usually taken trip; or health restrictions that apply to the Cancellation, Curtailment, Medical Emergency Expenses and on a trip, together with articles worn or carried by 3. your first return home prior to the planned you, including your valuables, for your individual Repatriation and Personal Accident sections of the return at the end of the trip (except in the case policy wording. use during your trip. of Backpacker policies, where if you return to It is very important that you read the following: Policy documentation: This will include the your country of residence within the planned policy schedule, wording, summary, medical trip dates, cover will be suspended from the 1. You will not be covered for anything that arises screening documentation and any other time you arrive in your country of residence from, is related to, or has been caused by, ANY associated confirmation agreed in writing by us. and will only continue once you leave pre-existing medical conditions, unless you immigration control in the country of your next have told us about ALL the conditions and we Pre-existing medical condition: Any medical ticketed destination). have agreed to cover them. condition that has required medication, tablets, treatment, review/check-ups, surgery, tests or Cover is included whilst travelling directly from your 2. If we are unable to cover the pre-existing investigations (other than for common colds), in home or business (whichever is the later) to your medical condition, this will mean that you and the 12 months prior to the commencement of departure point and back again when you return, any other insured person will not be covered cover under this policy. limited to a maximum of 24 hours in each direction. for any directly or indirectly related claims arising from the pre-existing medical condition. Psychological condition: A mental or addictive Claims will only be paid where the policy has been condition, including, but not limited to, anxiety, purchased to cover the whole duration of your trip 3. You will not be covered for any directly or depression, alcoholism, drug addiction or eating even if the incident you are claiming for happens indirectly related claims if, at the time of disorders. during the part of the trip you have covered. purchasing this insurance, you are receiving or For one-way trips only: waiting for tests, investigations or treatment Public transport: Any publicly licensed train, for any medical condition.