Provided your home is within the European Union then persons of all nationalities are eligible for cover.
The lead insured, spouse (or co-habiting partner) named on the Certificate of Insurance
You and Your spouse (or co-habiting partner) and your financially dependent children, aged under 18 years in full time education, at the inception date of your policy all normally resident with you and named on the certificate of insurance. Each adult can travel independently.
You and your financially dependant children under 18 years old and in full time education, at the inception date of your policy, all normally resident with you and named on the Certificate of Insurance.
Yes, providing they are travelling with, joining or returning from one of the insured adults.
The following Automatically Covered Medical Conditions will be covered for no additional premium and you do not need to declare these to us provided that you do not also have a pre-existing medical condition which is not listed below. If you have a pre-existing medical condition in addition to any of the following Automatically Covered Medical Conditions you must follow the health declaration below and contact the Medical Screening Service using the following link www.alacarte.millstreamonline.com if you answer YES to any of the questions.
Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment in the last 2 years, Allergic rhinitis, Alzheimer’s Disease, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpel tunnel syndrome, Cataracts, Chicken pox (if completely resolved), Cholesterol Hyper/Hypo, Coeliac Disease, Colour Blindness, Common cold or flu, Cuts and abrasions (that are not self-inflicted and require no further treatment), Cystitis (providing there is no ongoing treatment), Deafness/ Impaired Hearing, Diabetes (controlled by diet or tablets only) Diarrhoea and vomiting (if completely resolved) Downs Syndrome, Dyspepsia, Eczema, Enlarged prostate (benign only), Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, HRT, Hyperlipidemia, Indigestion, Irritable Bowel Syndrome, Lichen Planus, Ligament or tendon injury (provided that you are not currently being treated), Macular degeneration, Melanosis, Mental Health Conditions, Menopause, Migraine (providing there are no ongoing investigations), Nasal polyps, Night Blindness, Parkinson’s Disease, Physically Disabled, PMT, Psoriasis, Raynaud’s Syndrome, Rhinitis, Rosacea, RSI, Sinusitis (providing there is no ongoing treatment), Skin or wound infections (that have completely resolved with no current treatment) Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs, and Vertigo.
We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium or add special conditions to the policy. If we cannot provide cover, or if you do not want to pay the additional premium, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively you can cancel your policy and we will send you a pro rata refund.
We reserve the right not to extend this insurance if deemed necessary by us, where the booked trip could be detrimental to your well-being.
Failure to contact us could leave you with no right to make a claim and may mean that you travel with insufficient cover.
In respect of a travelling companion, an immediate relative, close business associate or person who you plan to stay with during your trip, who is not a named on your certificate of insurance, but on whose health the trip depends, this policy will not cover any claims under Section 1: Cancellation or Section 2: Curtailment, that result directly or indirectly from any pre-existing medical condition you knew about at the time of taking out this insurance or when booking a trip, and that affects:
- a travelling companion who is not insured under this policy;
- an immediate relative who is not travelling and is not insured under this policy;
- a close business associate; or
- a person you plan to stay with on your
Subject to the terms and conditions, such claims may only be covered if their medical practitioner is prepared to state that the date you bought this policy or of booking a trip, they would have seen no substantial likelihood of their patient’s condition deteriorating to such a degree that you would need to cancel your trip. If the medical practitioner will not confirm this, your claim is not covered. In the event of a claim the medical practitioner must complete the medical certificate on the claim form.
Our Annual Multi-Trip Silver cover includes a total of 10 days and Gold cover 21 days in any one policy year and our 100 days Single tTip cover has a 100 days per policy for Winter Sports where the appropriate additional premium has been paid.
Yes, the policy covers you travelling from any of your residences.
Yes, your trip must be for at least 2 nights and have pre booked transport or accommodation or be more than 25 miles from your home (unless it involves a sea crossing).
Yes, please refer to section 10 of your Policy Wording 'Missed Departure/Connection.
For Annual Multi-Trip, Cancellation cover begins on the start date shown on your Certificate of Insurance or the date you booked your journey, which ever is the later and ends when you begin your journey.
For Single Trip, Cancellation cover begins from the issue date shown on your Certificate of Insurance and ends at the beginning of your journey.
Yes, as long as you renew your policy and there is no break in cover.
Yes, your Personal Possessions are covered. However, there are certain limits or exclusions for valuables.
For the purpose of this policy you are covered whilst performing clerical business activities only. Non-manual or light general work not involving the use of mechanical or industrial machinery at a height not exceeding 2 meters.
Please see definitions 'Work abroad' on page 8 of the Policy Wording.
Under the Gold Policy there is cover for Replacement Business Associate. Please see section 13 of the Policy Wording.
Yes, we do cover hazardous activities, although there are some we do not cover.
Please refer to Section 15 Sports & Activities page 15 & 17.
If your activity is not listed or you wish level 2 coverage please contact ALC Heath on + 44 (0) 1903 817970
We do not apply an adminsitration charge.