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How am I covered

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What countries are covered under each area?

United Kingdom: including Great Britain, Northern Ireland and the Isle of Man. Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland, Portugal (including Azores & Madeira), Romania, Russia (European), San Marino, Serbia (including Kosovo), Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom and Vatican City. Australia & New Zealand: Mainland Australia, Tasmania, New Zealand and their dependencies.Worldwide excluding USA, Canada & the Caribbean: Worldwide, excluding United States of America, Canada and all islands in the Caribbean Sea and the Bahamas. Worldwide including USA, Canada & the Caribbean: All countries worldwide

I quite fancy having a go at parascending off the beach or maybe even scuba diving. Would I be covered if I had an accident?

Our sports and activities list, detailed in the policy wording, offers automatic cover for a number of activities, including scuba diving to a depth of 30 metres (Refer to page 6 of policy wording for full details) and parascending over water

Under the winter sports cover, can I ski or snowboard off piste?

Skiing and snowboarding off piste is covered within the resort boundaries only.

I might want to take part in extreme sports while I’m away. How will I know if they are covered?

Certain sports and activities are automatically covered and detailed in the policy wording. If you are unsure of whether your activity will be covered, please contact us for clarification.

If I get hurt whilst on a skiing holiday and have not taken out winter sports cover, would I be covered?

No, for protection against certain losses occurring whilst skiing, you would need to upgrade your policy to include winter sports cover.

If the pistes are closed in my resort, can I claim for not being able to ski?

If you are prevented from skiing at the pre-booked resort for more than 12 consecutive hours because insufficient snow or an avalanche results in the skiing facilities (excluding cross-country skiing) in your resort being closed and it is not possible to ski, we will pay up to the policy benefit shown in the terms and conditions subject to the appropriate winter sports premium being paid. Please refer to the piste closure section of the policy wording.

What are the benefits of using the EHIC?

Use of the EHIC removes the policy excess in the event of requiring medical assistance abroad or when submitting a medical expenses claim, where valid. The EHIC also entitles access to necessary state–provided medical treatment at a reduced cost or free of charge

What is the European Health Insurance card (EHIC)?

The European Health Insurance Card (EHIC) entitles United Kingdom residents access to necessary state–provided medical treatment, during a temporary visit in the European Economic Area (EEA) countries and Switzerland - at a reduced cost or free of charge

I am currently under a course of treatment with my GP. Should I declare this to the insurance company?

Yes, you should contact our screening department Healthcheck247 to advise them of your medical condition(s)

A member of my family or travelling party has an existing medical condition; can they still have cover under this policy?

All insured persons with existing medical conditions must declare their condition(s) through our medical screening service. Please go to www.healthcheck247.com or phone 0845 618 0341. If a member of your family or travelling party who has an existing medical condition(s) is not insured on the policy, cover may be provided subject to certain policy terms and conditions - Please refer to the important conditions relating to heath section detailed on pages 5 and 6 of the policy wording.