A summary of benefits and the services available is shown below – but please refer to your Insurance Officer or Administrator for the full terms and conditions of the cover.

KEY POINTS

• This is not private medical insurance. You are not covered for routine, non-emergency treatment, any elective treatment or anything that can reasonably wait until your return home.

• For minor ailments, you should seek advice from a local pharmacist in the first instance. If the condition does not resolve, or if it worsens, you can contact International Medical Group (IMG) for advice on the best course of action.

• Medical Expenses for treatment of Covid-19 are covered.

• Costs for Covid-19 tests are not covered.

• There is no cover under the Disruption section for anything arising out of Covid-19.

• Any evidence required in support of a claim must be provided by you at your own expense

• If travelling to a country that is subject to international sanctions you should check with your institution as to any special procedures that apply to ensure sanctions are not breached. We will not provide any cover or pay any claim that would expose us to any international sanctions.

• Claims must be notified to us as soon as possible but in any event within thirty days of the circumstances arising.

Emergency Medical Expenses
What is Covered Main Exclusions
  • Emergency Medical Expenses incurred outside of UK as a result of Bodily Injury or Sickness up to £10,000,000
  • Supplementary Travel Expenses up to £15,000
  • Funeral Expenses up to £10,000 and Repatriation of Remains up to £50,000
  • Search and Rescue Expenses up to £25,000
  • In-patient supplementary benefit outside UK – £50 each 24 hours for up to 1 year
  • Medical Expenses in UK for necessary follow-up hospital in-patient treatment up to £50,000 where such treatment is not otherwise available from the NHS and with the prior approval of IMG (maximum 3 months)
  • £100 deductible for first claim in any Covered Journey increasing to £200 for any further claims during the same Covered Journey. For claimants using an EHIC/GHIC to reduce the cost of treatment the deductible will be waived
  • Travel against medical advice or for the purpose of obtaining medical treatment
  • Expenses incurred as a consequence of the use of alcohol or drugs or arising out of any sexually transmitted disease
  • Any Medical Expenses in excess of £300 and any repatriation expenses incurred without the prior approval of IMG
  • Dental/optical treatment other than for immediate relief of pain
  • Routine management or monitoring of pre-existing medical conditions
  • Air travel other than as a passenger
Personal Belongings/Business Equipment
What is Covered Main Exclusions
  • Personal Belongings up to £10,000
  • Business Equipment up to £5,000
  • Emergency Purchases – up to £2,000
  • Loss of keys/replacement locks – up to £1,000
  • Single Article Limit – £2,500
  • Accidental Damage to Laptops, tablets or iPads Limit – £250

 

Personal Belongings and Business Equipment are limited to items that are intended specifically to be worn or carried by a person

  • Personal Belongings Deductible – £50
  • Business Equipment Deductible – £100
  • Laptop, tablet or iPad Deductible – 10% of claim (min £50 for Personal Belongings, £100 for Business Equipment)
  • Mobile phones (other than Business Equipment) sunglasses, spectacles, drones or micromobility devices
  • Valuable items in checked-in luggage when in transit
  • Any loss or damage not reported to either the local Police or, where appropriate, the airline (or other carrier) within 24 hours and a written report obtained
  • Loss or damage to property left overnight in or on a vehicle or at any other time unless in a locked garage or kept out of sight in a locked boot
  • Property left unattended or unsupervised in the open or any public space
  • Losses from restaurants bars public houses nightclubs or similar venues
  • Unsubstantiated or unexplained losses
Money
What is Covered Main Exclusions
  • Money up to £5,000 (Cash limit £2,500)
  • Credit Card Misuse following loss/theft of credit card – up to £3,000 (payable in addition to Money limit)
  • Loss of Travel Documents – up to £2,000 (payable in addition to Money limit)
  • £50 Deductible
  • Any loss or damage not reported to the local Police within 24 hours and a written report obtained
  • Loss or damage from any unattended vehicle or unaccompanied baggage
  • Money left unattended or unsupervised in the open or any public space
  • Losses from restaurants bars public houses nightclubs or similar venues
  • Unsubstantiated or unexplained losses
Disruption
What is Covered Main Exclusions
  • Cancellation up to £20,000 – Any reasonable cause outside the control of the travelling Person (prior to departure)
  • Curtailment up to £20,000 – Specified causes
  • Rearrangement up to £10,000 – Any reasonable cause occurring outside the control of the travelling Person (after departure)
  • Travel Delay – £50 for each full consecutive period of 6 hours, up to a maximum of £500, if strike, weather conditions, or breakdown causes delayed departure of your aircraft or other public transport
  • Hi-Jack – £100 for each day you are detained (maximum 50 days)
  • Includes Domestic Travel Expenses up to £5,000 and Replacement Expenses up to £10,000
  • Anything arising out of Covid-19 for journeys booked after 18/3/2020
  • Travel against medical advice or to obtain medical treatment
  • Disinclination to travel or disruption or cancellation due to financial circumstances
  • Financial failure of airline or other transport or accommodation supplier or any agent or organiser
Personal Injury
What is Covered Main Exclusions
  • Up to £50,000 payable in the event of accidental death, loss of limb or eye or permanent inability to work again
  • Includes Disability Assistance, Moving Costs, Retraining Expenses and Coma Benefit
  • Gradually operating causes
  • Criminal acts civil commotion or riot
  • Committing or attempting to commit suicide or intentional self-injury
  • Use of alcohol or drugs
  • Engaging in military naval or air services
  • Air travel other than as a passenger
  • Travel against medical advice or to obtain medical treatment
Personal Liability
What is Covered Main Exclusions
  • up to £5,000,000 if you become legally liable to pay damages in respect of accidental bodily injury (which includes death illness and disease) to a person and/or accidental loss of or damage to material property
  • Liability to your family or anyone employed by you
  • Ownership possession or use of any land or building (other than temporary rented accommodation) or the ownership of any animal
  • Ownership possession or use of any mechanically propelled vehicle
  • Criminal wilful or malicious acts or omissions
  • Use of alcohol or drugs
  • Arising out of the Person Covered’s trade business or profession
  • Contractual liability
  • Punitive or exemplary damages
Political Evacuation
What is Covered Main Exclusions
Reimbursement of evacuation expenses up to £50,000 following Formal Advice to leave the destination country
  • Evacuation more than 10 days after Formal Advice to leave the country
  • Dishonest or criminal acts committed or attempted by the Person Covered or alleged violation of the laws of the destination country unless we deem such allegations to be fraudulent
  • Failure to maintain required documents or visas
Legal Expenses (underwritten by DAS Legal Expenses Insurance Company Limited)
What is Covered Main Exclusions
  • up to £25,000 to help you recover damages or compensation from a third party following an event which results in Bodily Injury to you or financial loss suffered resulting from the breach of any travel or accommodation contract
  • up to £25,000 to help you in the defence of Criminal Proceedings brought against you
  • Legal Proceedings entered into in the USA or Canada
  • Defence of Criminal Proceedings for parking offences assault sexual offences or alleged illegal use of drink or drugs
  • Any disputes or legal proceedings in relation to any vehicle hire or rental
  • Defence of Criminal Proceedings for fraud dishonesty or criminal damage (unless a not guilty plea is maintained throughout)
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