Warm holiday season being an ideal moment to travel abroad, it is the also the best moment to understand why ravel insurance is important. Be sure you travel with insurance and be sure you know what you are covered for. Here are Churchill Travel Insurance exclusions:
General exclusions concerning health :
For any pre-existing medical condition that:
– you suffer from; and
– you did not tell us about; and
– we did not agree cover for it in writing.
1 We will not pay claims related directly or indirectly to you:
– Travelling against medical advice or if you would be travelling against medical advice had you asked for advice before starting the trip;
– Travelling to get medical treatment (including surgery or investigation) abroad.
2 We will not pay claims related directly or indirectly to stress, anxiety, depression or any other mental or nervous disorder unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
3 We will not pay claims related directly or indirectly to a medical condition of a close relative, travelling companion or business associate (whether they are travelling or not) who:
– Has been a hospital inpatient in the last 12 months or been put on a waiting list for hospital treatment.
Other general exclusions :
Will not pay claims directly or indirectly arising from the following:
1 You deliberately harming yourself, committing or attempting suicide, or putting yourself in unnecessary danger (unless you were trying to save a human life).
2 The influence or effect of alcohol or drugs (unless the drug was prescribed by a healthcare specialist and taken as instructed), solvent or substance abuse or a sexually transmitted disease.
3 You deliberately committing an unlawful or a criminal act.
4 Travelling or intending to travel to a country, area or event declared unsafe by the Travel Advice Unit of the Foreign and Commonwealth Office if this information was public knowledge before you booked or departed on your trip.
5 Any loss not specifically covered by this policy (for example, loss of earnings because you are not able to return to work after an injury or illness that happened on a trip).
6 Any loss or damage to property in the UK or any expense or liability caused by such loss or damage or contributed to by: the radioactive, poisonous, explosive or other dangerous properties of any nuclear equipment or its nuclear parts; or ionising radiation or radioactive contamination from any nuclear fuel or waste.
7 Any restrictions caused by the law of any country.
8 A terrorist act. This exclusion does not apply to Section 1 Medical and other expenses or to Section 6 Personal Accident except where nuclear, chemical or biological weapons/agents are used.
9 Injury, illness, death, loss, theft or damage which is covered by another insurance policy. In these circumstances we will only pay our share of the claim. (This does not apply to Section 6 Personal accident.)
10 Any costs associated with returning your vehicle to the UK. If you decide to take your vehicle abroad, we expect you to have arranged suitable breakdown insurance to cover your vehicle.
11 War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military force, coup d’état.
