VRBO Group - Premium and Classic Travel Insurance INTRODUCTION TO YOUR POLICY This policy document provides You with the terms, conditions and exclusions of the insurance cover, together with information that will help You in the event of an emergency. The policy contains different levels of cover, some of which do not apply unless You have paid the appropriate additional premium. Conditions and exclusions will apply to individual Sections of Your policy while general exclusions, conditions and notes will apply to the whole of Your policy. Please read this document and Your Certificate very carefully to ensure You understand the extent of the cover and assistance services, exactly what is and is not covered, the conditions of cover, and that this meets Your requirements. If You are unsure whether something is covered or excluded, please contact the company who sold You this Policy. Cooling Off Period: Unless Your Trip will be completed within 1 month of buying this insurance, You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to You any premium You have paid and will recover from You any payments We have made. PLEASE KEEP THIS DOCUMENT IN A SAFE PLACE AND TAKE IT WITH YOU WHEN YOU TRAVEL IN CASE YOU NEED ASSISTANCE OR NEED TO MAKE A CLAIM. IF YOU HAVE ANY QUESTIONS OR ARE IN ANY DOUBT ABOUT THE COVER PROVIDED PLEASE CALL OUR TRAVEL HELPLINE ON: +442039015749. STATUS DISCLOSURE INFORMATION The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for You. EG Vacation Rentals Ireland Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the (Financial Conduct Authority) their registration number is (313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary. EG Vacation Rentals Ireland Limited offer Premier and Classic Travel insurance and act on behalf of a limited panel of insurance providers (see below). - Europ Assistance S.A. Irish Branch We do not charge fees for arranging insurance, We may however receive an economic benefit or retain a part of any premium by way of remuneration. Our sales agents may also be remunerated on the sale of individual products. Fees may be applied by insurers for such things as mid-term adjustments and cancellations. Please check the individual policy information for full details. We hold any insurance money (premiums, refunds or claims money) as the agent of the insurer under a risk transfer agreement. You WILL NOT receive advice or a recommendation from us for insurance. We may ask some questions to narrow down the selection of products that We will provide details on. You will then need to make Your own choice about how to proceed. We always aim to provide a first class service, however if You have any cause for complaint any enquiry can be raised by either in writing, email or by telephoning ITC Compliance Limited, 4 Monarch Court The Brooms, Emersons Green, Bristol, BS167FH, [email protected], 0845 177 22 66 or 0117 4403700. Should You remain dissatisfied You have the right to ask the Financial Ombudsman Service to review Your case by either writing, email or by telephoning Financial Ombudsman Service, Exchange Tower, London, E149SR, 0800 023 4567, [email protected] DEMANDS AND NEEDS STATEMENT In accordance with policy terms and conditions, this insurance will provide You in the following coverage: personal assistances services, medical emergency and repatriation, emergency dental treatment, additional accommodation and travelling costs, travel cancellation and curtailment, personal luggage, luggage delay, money and passport, legal protection and optional winter sports insurance. This insurance does not cover everything. You should read this policy carefully. One reason for reading the policy carefully is that it contains important exclusions. 1 This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no undisclosed pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Subject to policy exclusions, terms, conditions and maximum specified claim limits; details of which may be found in your Insurance Product Information Document (IPID) and or policy schedule/booklet. Not the right level of cover to meet your Travel Insurance needs? If we can’t offer you the cover you want, or your premium is higher than you wanted because you have medical conditions, you may be able to get help by accessing the Money and Pensions Service travel directory at: https://traveldirectory.moneyadviceservice.org.uk/en or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm). CONTENTS PAGE Your Policy 3 Summary of Cover 3 Important Notes 4 Important Health Requirements 5 Emergency Assistance 7 Reciprocal Health Agreements 7 Meaning of Words 7 1 Personal Assistance Services 11 2 Medical Emergency & Repatriation 12 3 Emergency Dental Treatment 13 4 Additional Accommodation & Travelling Costs 13 5 Cancellation & Curtailment 14 6 Personal Luggage 15 7 Luggage Delay 17 8 Money & Passport 17 9 Legal Protection 18 10 – 15 Optional Winter Sports Cover 18 Special Sports and Activities 20 General Conditions – applying to all Sections 22 General Exclusions – applying to all Sections 23 Making a Claim 25 Customer Satisfaction 26 Cancellation Provisions 27 Data Protection Act 28 Contact Numbers 30 2 INTERNATIONAL SANCTIONS The Insurer will not provide cover nor pay a claim nor provide any benefit or a service described in the policy if this would expose the insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United States of America and United Kingdom. For further details please visit: https://www.europ-assistance.com/en/who-we-are/international-regulatory-information SPECIFIC PROVISIONS FOR U.S. NATIONALS In case you are a United States person and you were travelling to Cuba, you will have to provide evidence that you travelled to Cuba in compliance with United States laws for us to be able to provide a service or a payment. CAUTION You will be covered under this Policy only if you have respected the official recommendations regarding travel issued by a governmental authority of your country of residence at the Departure Date. Recommendations include the “advice against travel or all but essential travel”. YOUR POLICY Claims administrator will provide the services and benefits described in this policy: ▪ during the Period of Insurance ▪ within the Geographical Limits ▪ subject to the Limits of Cover, and all other terms, conditions and exclusions contained in this policy ▪ to persons who habitually reside in the UK Area (i.e. have their main home in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man) and lived there for at least six of the last 12 months before You bought Your policy and have not spent more than 6 months abroad in the year prior to purchasing the policy). All Trips must also begin and end in Your Home Country ▪ following payment of the appropriate premium for the level of cover selected Benefits under this policy are underwritten and administered by Europ Assistance S.A. trading as Europ Assistance S.A. Irish Branch. This policy, its interpretation, or any issue relating to its construction, validity or operation and performance shall be subject to the laws of England. Any dispute or claim arising out of or in connection with the policy, or its subject matter or formation (including non-contractual disputes or claims) shall be subject to the exclusive jurisdiction of the courts of the part of the United Kingdom in which the Insured person resides at the policy start date. In order for the benefits under all sections of this policy to apply, You agree to comply with the following in order for Us to consider Your claim: 1) You have found a Rental Property advertised on a VRBO Group Website and communicated with the Owner by either telephone or email 2) You have paid the Owner by either debit or credit card, PayPal, cheque or bank transfer to secure the booking of the Rental Property 3) You have signed a rental agreement with the Owner clarifying the terms and conditions of the rental including a cancellation policy 3 SUMMARY OF COVER Cover Classic Premium Limits of cover (per person Limits of cover (per person unless otherwise shown) Excess unless otherwise shown) Excess Personal Assistance Services £250 per Trip Nil £250 per Trip Nil Medical Emergency & Repatriation £3,000,000 £100 £10,000,000 £50 Emergency Dental Treatment £250 £100 £250 £50 Additional Accommodation & Travelling Costs £1,500 per Trip Nil £1,500 per Trip Nil Cancellation & Curtailment £1,500 £100 £3,500 £50 Personal Luggage Nil N/A £1,500 £50 • Single Article, or Pair or Set of Articles Nil N/A £200 £50 • Valuables Nil N/A £200 £50 (Limited to £100 if Insured Person is under 16) Luggage Delay (in excess of 12 hours) Nil N/A £50 N/A Money & Passport Nil N/A £500 £50 • Cash Nil N/A £200 £50 (Limited to £50 if Insured Person is under 16) Legal Protection £10,000 per Policy £100 £25,000 per Policy £50 Optional Winter Sports Cover ▪ Skis, Ski Equipment £500 £100 £500 £50 ▪ Ski Pass £250 £100 £250 £50 £15 per day up to a £15 per day up to a ▪ Ski Equipment Delay maximum of £300 maximum of £300 £20 per day up to a £20 per day up to a ▪ Piste Closure maximum of £200 maximum of £200 £30 per day up to a £30 per day up to a ▪ Avalanche or Landslide maximum of £150 maximum of £150 4 IMPORTANT NOTES We would like to draw Your attention to important features of Your policy including: ▪ SUBSCRIPTION RULES: Once the deposit for Your booking has been sent to the Owner, You have a maximum of TEN calendar days to buy this policy from the VRBO Group Website.