Insurance - Anam Cara Travel

Travel Insurance

For tours / packages departing during 2024.

Anam Cara Travel Ltd is an Appointed Representative of Global Travel Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (firm reference 305686) being permitted to advise and arrange general insurance contracts. Our status can be checked on the Financial Conduct Authority by visiting www.fca.org.uk or calling 0845 606 9966.

We have arranged with Global Travel Insurance Services Ltd a holiday insurance policy specially designed with our package tours in mind. We summarise below the details of the insurance cover provided. The following is a brief summary of the cover available, which also includes 24-hour medical emergency service provided by Mayday Assist, are detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Booklet, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your confirmation of booking. Full details of the cover, conditions and exclusions will be forwarded with your confirmation of booking (by email). A link to a specimen copy of the policy wording is available on this page, should you wish to examine this in advance.

SECTION OF COVER	SUM INSURED	EXCESS FOR EACH & EVERY CLAIM, PER INCIDENT CLAIMED FOR, BY EACH INSURED PERSON
1 - Cancellation	Up to £3,000	£75
2 – Travel delay & Abandonment	DELAY BENEFIT - A benefit of £20 for the first full 12 hours year are delayed and £10 for each full hour's delay after that, up to a total of £60 provided you eventually travel. ABANDONMENT - Up to the amount under Section 2 - Cancellation	NIL Delay Benefit £75 for abandonment only
3 – Missed departure	Up to £800 for trips outside the United Kingdom	Nil
4 – Personal accident	Death: Up to age 15 years inclusive - £2,500 Age 16 years to 65 inclusive - £10,000 Age 66 years and over - £2,500 Loss of one or more limbs and/or loss of sight in one or both eyes: Up to age 15 years inclusive - £15,000 Age 16 years to 65 inclusive - £15,000 Age 66 years and over - £2,500 Permanent total disablement: Up to age 15 years inclusive - Not covered Age 16 years to 65 inclusive - £15,000 Age 66 years and over - £2,500	Nil
5 – Emergency Medical & Repatriation Expenses	1) Outside the United Kingdom for emergency medical and surgical treatment and hospital and nursing home charges - Up to £5,000,000 2) Emergency dental treatment (for pain relief only) – Up to £350 3) Local funeral expenses abroad – Up to £2,500 4) Taxi fares and telephone calls necessarily incurred – Up to £100 5) Reasonable and additional travelling expenses (as defined) within the UK – Up to £2,500 6) Reasonable and additional travelling expenses (as defined) outside the UK – Up to £5,000,000 7) Hospital confinement benefit - £15 for every complete 24 hours up to a maximum of £300 for trips outside the UK 8) Mugging benefit - £50 per 24 hours, up to £500 9) UK prescriptions - Not covered 10) UK physiotherapy and chiropractic care – Not covered	1) £75 2) £75 3) £75 4) Nil 5) £75 6) £75 7) Nil 8) Nil 9) Not covered 10) Not covered
6 – Curtailment & loss of holiday	Trips to UK, Channel Islands, Isle of Man, Europe (as defined) & Worldwide trips - Up to £3,000	£75
7 – Personal possessions	Up to £2,000 Single article limit - £200 Valuable limit - £200	£75
8 – Personal liability	Up to £2,000,000	Nil
9 – Legal costs and expenses	Up to £25,000	Nil
10 – COVID-19 cover	1. Cancellation up to £3,000 2. Curtailment up to £3,000 3. Medical and other expenses outside the UK up to £1,000,000	£75
11 - Personal Money	Under 16 years of age - Up to £50 16 Years of age and over - Up to £250	Nil for under 16 yrs £75 All Other Claims in this Section
12 - Delayed Baggage on Outward Journey	Up to £100	Nil
13 - Hijack	Not covered	Not covered

HEALTH CONDITIONS
This Policy may not provide cover for Pre-existing Medical Conditions, so it is important that You review and respond to the questions below in order to have the full protection of Your Policy. If You do not take the appropriate action, or if You withhold information which We should reasonably be made aware of when considering the provision of cover, then Your Policy may be cancelled, or Your claim rejected or not fully paid. Please consider the following questions in relation to You, anyone to be covered by this Policy, or any Colleague:

1. Are You aware of any reason why Your trip could be cancelled or cut short, such as Your health or the health of a Relative or Colleague or someone with whom You are going to travel or stay?

2. Are You travelling:

a. against the advice of a Medical Practitioner, or
b. for the purpose of obtaining medical treatment?

3. Have You been given a terminal prognosis?

4. Are You receiving or awaiting investigation or treatment for any Bodily Injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?

If You answer YES to any of the above 4 questions, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid. Please contact the holiday company that You purchased the Policy from to discuss this further.

If You answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

5. If You are on prescribed medication, are Your medical condition(s) stable and well controlled?

6. If You suffer from stress, anxiety, depression or any other mental or nervous disorder, have You received written confirmation (at Your cost) that You are fit enough to take this trip by either:

a. Your GP, or
b. a registered mental health professional (e.g. if You are under the care of a Community Mental Health Team), or
c. a consultant specialising in the relevant field?

If You answer YES to question 5 and 6 above, then You do not need to contact Us with details of Your Pre-existing Medical Conditions, and Your insurance Policy’s standard terms, conditions and exclusions will apply.

If You answer NO to question 5 or 6 above, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid. Please contact the holiday company that You purchased the Policy from to discuss this further.

Important note: this applies to all destinations, excluding trips solely within the United Kingdom.

CHANGES IN YOUR HEALTH – If there is any change in Your medical circumstances between the date You first purchased Your insurance Policy and the date Your holiday is due to begin You must obtain confirmation from Your Medical Practitioner that You are fit enough to take the trip and this must be noted on Your medical records so that in the event of a claim You are able to provide this evidence if required by Us. Failure to do so may invalidate Your Policy. If You do not take the appropriate action then Your Policy may be cancelled, or Your claim rejected or not fully paid.

You must also tell us as soon as reasonably possible if you are no longer a resident in the United Kingdom.

IMPORTANT
The following General Exclusions apply to this policy:

1. The cover under this policy is only available to United Kingdom residents for travel within the Geographical limits contained in this policy and which begins and ends in the United Kingdom. Repatriation will be to the United Kingdom only.
2. Cover is only available for the whole duration of a booked trip to a maximum 70 consecutive days, and cover cannot be purchased once a trip has already begun.
3. The excess amount deductible from a claim applies to each and every claim, per incident claimed for, under certain sections by each insured person.
4. If your money, valuables, any items of baggage, your passport or visa are lost or stolen, you must notify the local Police within 24 hours of discovery or as soon as possible thereafter. Please make sure you get a copy of the Police report. Failure to comply may result in your claim being rejected or the amount of any relevant claim reduced.
5. You are not covered for valuables, your passport or visa if left unattended at any time (including in a vehicle, in checked in luggage or while in the custody of a carrier, tour operator or public transport operator) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
6. Stolen property: You are not covered for baggage stolen from: (a) an unattended coach/bus unless it was locked in the luggage compartment of the coach/bus and evidence of force or violent entry to the vehicle is available, or (b) the passenger compartment of any unattended vehicle.
7. Any epidemic or pandemic as declared by the World Health Organisation (WHO).
8. You must ensure that you have had any recommended inoculations, vaccine (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip.
9. Claims arising from or related to any coronavirus including but not limited to COVID-19 or any related / mutated form of the virus. This exclusion does not apply to COVID-19 claims under the COVID-19 Cover section.

This insurance is underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk. ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN.

COOLING OFF PERIOD – Examples of these and other conditions and exclusions are contained within the policy wording, a specimen copy of which is available upon request. If after purchasing a policy from us should you find it does not meet your requirements, you have 14 days from the date of receipt of the policy documents or before departure, whichever is less, to cancel the policy and receive a full refund of your premium.

A full policy wording will be sent to you with your confirmation of booking. Full details are also available upon request.