Business travel insurance and personal accident FAQs

For the purposes of this insurance, a pre-existing medical condition is considered to be any pre-existing defect, infirmity or condition for which you are receiving regular medical treatment, advice or consultation at the time of affecting the insurance or at the commencement of a covered trip, whichever is the later.

We are able to consider most pre-existing medical conditions, however, some conditions may be excluded or require payment of an additional premium to provide cover.

Yes, you are covered for childbirth, pregnancy or any related medical complications unless you are travelling within two calendar months of the expected date of delivery.

Under most sections of this insurance, claims will be subject to an excess. This means that you will be responsible for paying part of your claim. The amount you have to pay is the excess and this will be deducted per person under each section to which an excess applies.

If you are travelling within the European Union (EU) you are strongly advised to obtain a European Health Insurance Card (EHIC) before you leave. This will entitle you to benefit from the reciprocal health arrangements which exist between European Union countries.

Application forms can be obtained from the Post Office or online here.

This is the maximum amount that will be paid for any single item of property under the baggage and personal effects section. A pair or set of articles are deemed to be a single item. The single item limit is shown on your schedule.

This insurance is only available to persons who are permanently resident in the United Kingdom.

You may extend this insurance to cover you whilst participating in the following winters sports activities subject to payment of an additional premium.

Optional winter sports cover includes the following activities:
Dry slope skiing, alpine skiing, glacier skiing, snow skiing, snow boarding, langlauf/Nordic skiing, mono skiing, ski bobbing/ski doo, ice skating, ice hockey, curling and tobogganing, including such activities being undertaken off piste provided such activity is not undertaken alone and/or against local authoritative warning or advice.

Cover will only be operative if the winter sports extension is stated in your schedule as being included.