Alternative Insurance: Should you decide not to purchase our insurance, you must provide us with details of your alternative insurance with your final payment. The schedule of the cover below sets out a summary of the cover provided by our tailored insurance. The cover is underwritten by Travel & General Insurance Company plc and DAS Legal Expenses Insurance Company Limited. Both are authorised and regulated by the Financial Services Authority.

Important declaration
An insurance policy can only provide cover in respect of an event/occurrence which is sudden, unforeseen and beyond your reasonable control. Any facts known to you which could possibly result in you having to make a claim must be disclosed, otherwise you may not be covered. In particular, you must be able to make the following declaration for yourself and anyone travelling with you.
‘As far as I know neither I, nor my travelling companion(s), nor immediate family, nor business associate(s), nor anyone I am visiting, nor anyone else for whom I would expect to be covered’:
1) are waiting for or has the knowledge of the need for an operation, hospital consultation or any other hospital treatment or investigations including the results of a routine test;
2) have been seen by a specialist or been admitted to a hospital overnight in the last 12 months (other than for regular check ups);
3) have received treatment, or waiting to receive treatment, including regular medication, within the last 5 years;
4) have any pre-existing and on-going medical condition that could reasonably be anticipated to give rise to a complication needing medical intervention prior to or during a journey (if in doubt check with your general practitioner);
5) diagnosed by a registered general practitioner as having a terminal condition;
6) know of any circumstances that could be reasonably expected to give rise to a claim under this policy.

If you cannot make this declaration when you take out the insurance with us, you must contact Healthcheck on 0845 408 0585.

Single trip policy - Schedule of cover
• Cancellation and curtailment charges: Up to £5,000 (Excess £50)
• Emergency medical repatriation & associated expenses abroad: Up to £5,000,000 (Excess £50)
• Emergency assistance in the UK: Up to £2,000 (Excess £50)
• Hospital benefit: £20 for each 24 hour period to a maximum of £500 (No excess)
• Personal accident: Up to £15,000 (age limits apply) (No excess)
• Travel delay: £20 first 12 hours & £10 each subsequent 12 hrs to maximum of £100
• Missed departure or missed connection: Up to £750 (Excess £50)
• Personal possessions: Up to £2,500 (Excess £50)
• Delay baggage (after 12 hrs): Up to £100 (No excess)
• Travel documents: Up to £500 (Excess £50)
• Personal money: Up to £250 (Excess £50)
• Hijack/Mugging: £50 for each 24 hour period to a maximum of £500 (No excess)
• Personal liability: Up to £2,000,000 (Excess £250)
• Legal expenses: Up to £25,000 (No excess)
• Optional cover (additional premium): Scuba cover, Adventure activities

A policy document that fully defines the cover, conditions and exclusions will be sent to you with your booking confirmation. When you receive your policy, please take the time to read it carefully to ensure you understand what is and what is not covered and that all activities that you may wish to participate in are included.

If it does not meet your requirements, please return the policy, proof of premium and any other relevant documents to us within 14 days of receipt and we will refund the premium in full, provided you have not travelled or made a claim.

Failure to comply with the terms & conditions of the policy may result in cover being restricted.