This Policy Summary is designed to provide You with an indication of the significant features, limitations and exclusions applicable to the insurance policy. This summary does not contain the full terms and conditions of the contract, all of which can be found in the policy wording booklet, available from Your Issuing Agent.
This policy is designed to help You recover the cost of emergency medical expenses and other specified losses that could occur while You are travelling.
This travel insurance is provided by Citybond Suretravel, a division of Citybond Holdings Plc.
and is underwritten by Europ Assistance Holdings Ltd (“the Insurers”).
This insurance can be purchased as a single trip policy or an annual multi-trip policy, depending
upon Your requirements. There may be limitations to the maximum duration available, depending upon
Your age and destination.
- The Trip Travel policy will provide cover for one specific trip, up to a maximum duration of 100 days to
75 years of age, and up to 17 days if you are over 75 and up to 80 years of age.
- The Long Stay policy will provide cover for one specific trip, up to a maximum duration of 18 months.
Please refer to Period of Insurance in Meaning of Words.
- The Year Round policy provides cover for any number of trips in the 12-month Period of Insurance.
Each trip is covered up to a maximum of 100 days duration if you are aged up to 65 years, and up to
35 days if you are over 65 years and up to 80 years of age. The Year Round policy also includes cover
for up to 17 days Winter Sports.
Pre-Existing Medical Conditions are not covered unless declared and accepted by
the Insurers in writing prior to travel. Claims directly or indirectly relating to known Pre-Existing Medical
Conditions affecting any close relative, travelling companion or person with whom You intend to stay may
also be excluded. (Please refer to the Important Strict Medical Health Requirements in the policy
wording booklet.)
back to top
SIGNIFICANT POLICY FEATURES, LIMITATIONS AND EXCLUSIONS
The main policy features are set out in the
tables below. Please refer to relevant sections of the Policy Wording booklet for more information.
POLICY FEATURES |
SIGNIFICANT OR UNUSUAL
EXCLUSIONS OR LIMITATIONS |
EXCESS |
POLICY
SECTION |
 |
Personal Assistance Services
Provides help to replace lost travel
documents, prescription medication, trace
luggage, transfer emergency funds, relay
messages, and other assistance services.
Pre-travel information is also available. |
-
Max Limit of £250
- Homecall referral only available to UK residents
Cover is not provided for:
- United Kingdom trips
- The cost of drugs or documents
|
Nil |
1 |
Medical Emergency & Repatriation
Covers emergency medical expenses and
repatriation for each insured person
following sudden and unforeseen bodily
injury or illness or death during a
trip abroad.
|
- Max Limit of £5,000,000
Cover is not provided for:
- Failure to obtain Insurers’ prior authorisation
before incurring expenses of more than £500
- Claims arising from any Pre-Existing Medical
Condition unless declared to Insurers and
accepted in writing
- Air sea rescue costs
- Cosmetic surgery
- Tropical diseases where medical advice has not
been followed
|
£65 |
2 |
POLICY FEATURES |
SIGNIFICANT OR UNUSUAL
EXCLUSIONS OR LIMITATIONS |
EXCESS |
POLICY
SECTION |
|
Emergency Dental Treatment
Covers temporary treatment for the
immediate relief of pain and/or discomfort. |
- Max Limit £250
Cover is not provided for:
- Any self-inflicted damage (e.g. by tooth-brushing)
- Dental treatment involving the provision of
dentures or artificial teeth or the use of precious
metals
- Any damage to dentures when not being worn
by You
|
£65 |
3 |
Additional Accommodation &
Travelling Costs
Covers additional accommodation
and travelling costs of anyone medically
required to accompany You home. |
- Max Limit £1,000
Cover is not provided for:
- Failure to contact Insurers first to make all travel
arrangements
- Accommodation costs other than the cost of
the room
|
Nil |
4 |
Hospital Daily Benefit
Provides a daily benefit per complete day of
in-patient treatment towards ancillary costs. |
- Max Limit £1,500 (£30 per complete day)
Cover is not provided for:
- Trips within Your Home country
|
Nil |
5 |
Cancellation, Curtailment &
Trip Interruption
Covers pre-arranged travel and
accommodation expenses that are
irrecoverable in the event that You have
to cancel or cut short Your trip. |
- Max Limit £5,000
Cover is not provided for:
- Claims arising from any pre-existing medical
condition unless declared to, and accepted in
writing by, the Insurers
- Cancellation due to pregnancy or childbirth
unless necessary due to certified medical
complications
- Claims arising from any circumstances You
knew about when booking the journey which
indicated You might need to cancel
- Failure of the provider of any part of the booked
trip to supply the service or transport
|
£65 |
6 |
Travel Delay
Provides a benefit if Your first outward or
final inward international transport departure
is delayed due to certain circumstances for
more than 12 hours beyond the intended
departure time. |
- Max Limit £300 (£20 for first 12 hours, £10 for
each subsequent 12 hours)
- Written confirmation from the carrier giving the
period and reason for the delay must be obtained
Cover is not provided for:
- Strike or Industrial Action which was common
knowledge at the time You made travel
arrangements for the Trip
- Trips within the Home country
|
Nil |
7 |
UK Departure Assistance &
Missed UK Connection
Covers additional costs (travel or accommodation where necessary) incurred
if You are delayed or miss Your connection
due to failure of scheduled public transport
or breakdown of or accident to the private
vehicle in which You are travelling on the
outward journey from, or on return to, the
United Kingdom. |
- Max Limit £500
Cover is not provided for:
- Strike or Industrial Action which had started or
been announced before You made travel
arrangements for the Trip
- Additional costs where the transport operator
offered reasonable alternative arrangements.
- Insufficient time allowed to reach the
departure point
- Immobilisation or loss of any vehicle You have
taken on Your trip
|
Nil |
8
|
back to top
POLICY FEATURES |
SIGNIFICANT OR UNUSUAL
EXCLUSIONS OR LIMITATIONS |
EXCESS |
POLICY
SECTION |
|
Missed Departure on the
Outward Journey
Covers reasonable additional travelling
and accommodation expenses necessarily
incurred to reach Your booked destination
by the most direct alternative route due to
failure of scheduled public transport or
breakdown of or accident to the private
vehicle in which You are travelling. |
- Max Limit £500 (Europe) / £1,000
(outside Europe)
Cover is not provided for:
- Strike or Industrial Action which was common
knowledge at the time You made travel
arrangements for the Trip
- Additional costs where the transport operator
offered reasonable alternative arrangements
- Insufficient time allowed to reach the departure point
- Claims under Section 7 in conjunction with the
same event
|
Nil |
9 |
Personal Baggage
Covers Your personal baggage if
damaged, stolen, destroyed or lost (and not
recovered). Any settlement will represent
the cost of replacement and may include a
deduction for wear, tear and depreciation. |
- Max Limit £2,000 (Economy - £200)
- Sub-limits apply for single items, pairs and sets,
business goods and for valuables
Cover is not provided for:
- Items left in an unattended motor vehicle if not
locked out of sigh in a secure baggage area and
no forcible and violent means of entry were evident
- Loss, theft or damage to Valuables left in the
custody of an airline and/or packed in baggage
left in the baggage hold or storage area of
another carrier
- Losses not supported by suitable reports or
documentation from an appropriate agency
obtained within 24 hours of the loss
- Confiscation or detention by lawful authorities
- Sports gear whilst in use
|
£65 |
10 |
Baggage Delay on Your Outward Journey
Benefit provided to purchase essential items
if Your baggage is certified lost or misplaced
on Your outward journey. |
- Max Limit £100 (after 12 hours)
Cover is not provided for:
- Trips within the Home country
- Failure to provide receipts and a report from the
Carrier confirming the length of the delay
|
Nil |
11 |
Money & Passport
Covers the loss, theft, damage or
destruction of money You are carrying on
Your person or which You have left in a
safety deposit box.
Covers reasonable travel and
accommodation costs incurred in replacing
a lost or stolen passport. |
- Max Limit £500 (£200 for cash)
Cover is not provided for:
- Passport loss in Home country
- Losses not supported by suitable reports or
documentation from an appropriate agency
obtained within 24 hours of the loss
- Losses due to confiscation, detention or
depreciation
- Cost of the replacement passport itself
|
£65 |
12 |
Personal Liability
Covers legal liabilities for accidental bodily
injury to, or death of, any person and/or
accidental loss or damage to their property.
You are covered for all sums which You
become legally liable to pay as
compensation and all law costs awarded to
any claimant or incurred in defence of any
claim that is contested by Insurers or with
our consent. |
- Max Limit £2,000,000
Cover is not provided for:
- Loss or payments covered by any other insurance
in force
- Injuries or death of Your family or household
- Property belonging to a member of Your family
or household
- Losses arising from ownership or use of aircraft,
vehicles, animals or firearms.
- Losses arising from the transmission of a
communicable disease
- Trips within the Home country
|
Nil |
13 |
back to top
POLICY FEATURES |
SIGNIFICANT OR UNUSUAL
EXCLUSIONS OR LIMITATIONS |
EXCESS |
POLICY
SECTION |
|
Personal Accident
Cover provided to compensate for loss of
life, limb or sight or permanent total
disablement during a trip or within 12 months
of such an accident occurring during a trip.
Reduced benefits apply for under 16s and
over 65s. |
- Max Limit £20,000
Cover is not provided for:
- Injuries not caused solely by outward, violent and
visible means
- Disablement due to psychological or mental
trauma unconnected to bodily injury
- Involvement in sports or recreational activities
|
Nil |
14 |
Legal Protection
Provides cover for expenses incurred in the
legal pursuit of compensation if You suffer
death, illness or personal injury during Your
trip, or if Your Home suffers damage during
the Trip where we consider that You are
likely to obtain a reasonable settlement. |
- Max Limit £25,000
- Insurers will have complete control over the legal
proceedings
Cover is not provided for:
- Costs or expenses not authorised by Insurers
- Claims not reported within 90 days of the
incident
- Trips within the Home country
- Claims against Insurers, their agents or an
insurer underwriting any section of this policy, or
a travel agent, tour operator or Carrier
- Claims against the provider or organiser of any
sports or recreational activity
|
Nil |
15 |
Sports and Recreational Activities
Cover
Provides cover for participation in certain
recreational activities on an occasional,
non-professional basis. Conditions and
restrictions to cover may apply. |
- Duration cannot exceed 20% of trip or more than
21 days, whichever is lesser, in any one Period
of Insurance
Cover is not provided for:
- Participation in activities under General
Exclusion 16
- Claims under Section 14
|
£65 |
21 |
Where the policy is extended to cover Winter Sports, the summary below applies.
All terms, conditions and exclusions of the policy continue to apply in respect of Winter Sports except where
amended under this section.
The following sports are NOT covered: bobsleigh, heli-skiing, luge, paraskiing, skeleton, ski jumping, ski
racing, ski stunting, skiing/snowboarding outside recognised and authorised areas.
POLICY FEATURES |
SIGNIFICANT OR UNUSUAL
EXCLUSIONS OR LIMITATIONS |
EXCESS |
POLICY
SECTION |
|
Cancellation or Curtailment
In addition to Section 6: cover for financial
loss from unused ski passes or ski-school
fees unrecoverable by other means.
Proportionate cover for unused ski-pack is
available where You are certified unable to
ski due to unforeseen accident or injury. |
|
£65 |
16 |
Skis, Ski Equipment & Ski Pass
In addition to Section 10: cover where ski
equipment belonging to or hired by You is/
are damaged, stolen destroyed or lost.
Cover if Your ski pass You are carrying on
Your person or have left in a safety deposit
box is lost, stolen, damaged or destroyed.
Cover for ski equipment whilst in use. |
- Max Limit £500 for skis/ski equipment; £250 for
ski pass
Cover is not provided for:
- Skis not locked to a roof rack locked to the roof
a vehicle
- Skis, ski equipment or ski pass where inadequate
precautions taken to secure their safety or left
unattended
|
Nil |
17 |
Baggage Delay
In addition to Section 11: benefit for the hire of
replacement ski equipment if Your luggage is
certified as delayed on Your outward journey. |
- Max Limit £300 (£15 per day for delay in excess
of 12 hours)
Cover is not provided for:
- Claims not supported by receipts
|
Nil |
18 |
Piste Closure
Benefit provided if insufficient snow causes
a total closure of the lift system, preventing
You from skiing for more than 24 hours.
Cover is available for reasonable expenses
incurred travelling to a similar area to ski. |
- Max Limit £200 (£20 per day)
Cover is not provided for:
- Claims due to lift system closure due to
avalanche or high winds
- Trips in the Northern Hemisphere outside
15th December to 15th April
- Trips in the Southern Hemisphere outside
1st May to 30th September
|
Nil |
19 |
Adverse Weather Benefit
Benefit provided if access to and from a ski
resort is blocked or scheduled public transport
services are affected for reasonable extra
travel and accommodation costs. |
- Max Limit £150 (£30 per day)
Cover is not provided for:
- Claims not supported by evidence of limited
access from an independent agent
|
Nil |
20 |
back to top
In addition to the information given previously, the following considerations are also applicable to the policy.
- No section of the policy shall apply in respect of any person who is more than 80 years (75 years for Long
Stay) of age at time of application.
- The policy is only available to persons who habitually reside in the EU for six months prior to issue and are
registered with a local doctor.
- All Material Facts that are likely to affect this insurance must be declared. Failure to do so may prejudice
entitlement to a claim.
- Travelling in excess of the specified trip limits will invalidate any claims relating to that trip.
- In the event of an emergency (medical or otherwise), Insurers must be contacted as soon as possible to
make arrangements for payments and/or transport where applicable. Please refer to the sections of the
policy relevant to Your circumstances.
- There is no cover for claims arising from pregnancy within 8 weeks (or 16 weeks in the case of a known
multiple pregnancy) of the estimated date of delivery.
- There is no cover for personal liability when using a motorised vehicle, water or airborne craft – You must
ensure that You have cover for third party injury and property damage in place.
- Expensive items such as sophisticated photographic equipment or jewellery would only be covered subject
to the Valuables limit and should be checked for suitable cover under a Home Contents insurance.
- Most sections of this policy have limits on the amount payable under that section and/or are subject to an
excess payable on the first part of each and every claim. Please refer to the sections of the policy relevant
to Your circumstances.
- There is no cover for trips undertaken solely in the UK Area unless You have a minimum of 3 consecutive
nights pre-booked accommodation for which amended terms and conditions may apply.
- You need to take all reasonable care to protect Yourself and Your property, as You would if You were not insured.
- There is no cover for claims arising directly or indirectly from: drug addiction or solvent abuse; excessive
alcohol intake; being under the influence of alcohol or drugs; sexually transmitted diseases; war or terrorism;
travel to a country or specific area or event to which the Foreign and Commonwealth Office has advised
persons not to travel. (Please refer to General Exclusions for further details)
To make a claim, which must be notified within 28 days of Your return, please obtain a claims form online from
www.eaclaims.co.uk or telephone Europ Assistance Claims Helpline on 0870 737 5814. Completed claims
forms should be returned to Europ Assistance Travel Claims, Sussex House, Perrymount Road, Haywards
Heath, West Sussex RH16 1DN.
You have the right to cancel Your insurance policy within 14 days of receipt (“Cooling-Off Period”) by returning
the policy documents to Your Issuing Agent who will refund to You any premiums paid provided You have not
travelled under the policy nor made a claim against it.
If You have a complaint regarding Claims or Emergency Medical Assistance matters, You should write to:
Europ Assistance
Quality Department
Perrymount Road
Haywards Heath
West Sussex
RH16 1DN.
Alternatively, You may telephone 0870 7375770
If You have a complaint regarding the service provided by Citybond Suretravel, please write to:
Customer Services Manager
Citybond Suretravel
109 Elmers End Road
Beckenham
Kent
BR3 4SY.
If You cannot settle Your complaint directly, You may be entitled to refer it to:
Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR.
Citybond Suretravel only offer travel insurance products underwritten by Europ Assistance
Holdings Ltd. We are both authorised and regulated by the Financial Services Authority (FSA). The FSA
website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/register or the FSA
can be contacted on 0845 606 1234.
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
compensation if we cannot meet our obligations. Further details can be obtained by visiting the FSCS website
at www.fscs.org.uk or upon request.
back to top |
