Holiday Insurance

Demands and Needs

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

Important

We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information.

We summarise below the details of the insurance cover provided, which also includes 24-hour emergency service from Allianz Assistance. Full details of the key benefits, conditions and exclusions will be included in the Policy Wording and Insurance Product Information Document (IPID), copies of which will be sent to you with your confirmation of booking. In any event you may ask for specimen copies of the Policy Booklet and IPID before booking should you wish to examine this in advance.

Residency

The cover under this policy is only available to residents of the United Kingdom, the Channel Islands and the Isle of Man only.

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.

If you are travelling within the United Kingdom, you are not required to declare your medical conditions. However, to be covered for any medical conditions you have or have had, you must be able to answer NO to questions 1 to 4, and YES to questions 5 and 6 a) and b) below:

1. Are you aware of any reason why the trip could be cancelled or cut short (such as the health of a close relative)?
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 treatment for any bodily injury, illness or disease as a hospital day case or in-patient?
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) a registered mental health professional (if you are under the care of a Community Mental Health Team), or b) a consultant specialising in the relevant field?

If you are travelling outside of the United Kingdom, you must visit the MediScreen medical screening website at https://medi-screen.everywhen.co.uk/ or call MediScreen on UK +44 (0)344 892 1698. If you fail to do this, it may mean you will not be covered for related claims.

1. Has or has had a medical condition (excluding childhood and minor ailments not requiring treatment).
2. Is taking prescribed medication.
3. Has or has had any medical condition still requiring periodic review.
4. Is awaiting any tests, treatment, investigation, referral or the results of these.

The medical screening service's office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday, excluding Bank Holidays.

Change in medical circumstances after the date the policy is issued

You must also notify MediScreen immediately on UK +44 (0)344 892 1698 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. If you do not take the appropriate action, or if you withhold information which we should reasonably be made aware of then your policy may be cancelled, or your claim rejected or not fully paid. If we can extend cover, we may charge an additional premium for doing so.

If your trip is solely within the United Kingdom, then 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.

Significant or unusual limitations / what is not covered

1. Cover is only available for the whole duration of a booked trip to a maximum 75 consecutive days, and cover cannot be purchased once a trip has already begun.
2. 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.
3. 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.
4. Claims arising from any epidemic or pandemic as declared by the World Health Organisation.

Travel Signposting

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 traveldirectory.moneyadviceservice.org.uk or by calling 0800 138 777 (Open Monday to Friday, 8am to 6pm).

Cooling Off Period

Please tell us immediately if your policy does not meet your requirements. If you cancel within 14 days of the receipt of your documentation and you have not started a trip or made, or intend to make, a claim, we will give you a full refund. Following this 14-day period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14-day cooling-off period, no premium will be refunded.

The Group Travel Company Limited t/a Leisuretime by Toureasy 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.

Please click on the link to view the documents below:

1. Book online — add travel insurance when you book your holiday on our website.
2. Already booked? Add holiday insurance to an existing booking by logging into the My Account section. You can easily register for an online account if you don't already have one.
3. Prefer your own insurer? You're welcome to use your own travel insurance — we may just need the policy details and emergency contact numbers before you depart, in particular for European holidays.