Your Questions Answered
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Provided your home is within the European Union then persons of all nationalities are eligible for cover.
Provided your home is within the European Union then persons of all nationalities are eligible for cover.
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The lead insured, spouse (or co-habiting partner) named on the Certificate of Insurance
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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.
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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.
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Yes, providing they are travelling with, joining or returning from one of the insured adults.
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Automatically Covered Pre-Existing Medical Conditions
You do not need to call the Medical Screening Service in respect of the following Automatically Covered Medical Conditions as they will be covered for no additional premium 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 on +44 (0)330 660 0563 if you answer YES to any of the questions.
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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, Mentally Disabled, 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.
You do not need to call the Medical Screening Service in respect of the following Automatically Covered Medical Conditions as they will be covered for no additional premium 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 on +44 (0)330 660 0563 if you answer YES to any of the questions.
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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, Mentally Disabled, 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.
If any of the following apply to you, a travelling companion, an immediate relative, close business associate or someone upon whom your trip depends (that you are aware of, whether they are travelling with you or not), the Medical Screening Service must be contacted on +44 (0) 330 660 0563.
1. You/they were aware of any reason why the trip could be cancelled or curtailed or of any medical condition, which could result in a claim.
2. You/they have, during the last 24 months before this insurance started, suffered from or received treatment, advice or medication for any chronic ongoing or recurring illness or condition (A chronic condition is one lasting three months or more).
3. You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad.
4. You/they have been diagnosed as having a terminal illness.
5. You/they were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
6. You/they were waiting for the results of tests or investigations, or awaiting a referral for an existing medical condition.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover.
If there is any change to a pre-existing condition or if any of the reasons stated above occur between the date the Certificate wording is issued and / or before the first day of your trip, you must notify the medical assessors immediately on +44 (0) 330 660 0563.
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.
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.
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Winter Sports is defined as conventional skiing / snowboarding only. (Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines).
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.
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.
Please note that for a Winter Sports holiday all sections of the travel policy are valid including Medical Expenses where the appropriate premium has been paid.
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Yes, the policy covers you travelling from any of your residences.
For example, someone with residences in both Spain and France, if they travelled from Spain the cover would commence when they left their home and end when they arrived at their home in France. If they then travelled back to Spain again on leaving their home in France they would have cover until they arrived in Spain.
Please refer to page 9 of the Policy Wording defining Home/Country of Residence.
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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).
Please note that cover for emergency medical or associated expenses in your home country has restrictions.
Please refer to pages 10 of the Policy Wording.
Am I covered for missed connections if my flight is delayed and causes me to miss a connecting flight?
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Yes, please refer to section 10 of your Policy Wording 'Missed Departure/Connection.
Yes, please refer to section 10 of your Policy Wording 'Missed Departure/Connection.
If I have booked my holiday before I take out your policy am I covered if I have to cancel this trip?
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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.
If during my policy year I book a holiday that is going to take place after the expiry date of my policy am I covered for cancellation?
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Yes, as long as you renew your policy and there is no break in cover.
Yes, as long as you renew your policy and there is no break in cover.
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Yes, your Personal Possessions are covered. However, there are certain limits or exclusions for valuables.
Valuables are defined on page 8 of the Policy Wording.
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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.
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.
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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
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We do not apply an adminsitration charge.
