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At The Cruise Store, we want to make sure that your travel insurance purchased through us is the right insurance for you. Travel insurance does not cover every eventuality and it is important that you read the following information very carefully:
PRE-EXISTING MEDICAL CONDITIONS:
This travel insurance policy contains restrictions in relation to Pre-existing Medical Conditions, it is important that you check if any of the following applies to you or anyone traveling with you or anyone on whom your trip depends. If it does, you need to contact the medical screening line to check for cover.
If you do not contact Medical Pre-screening you will not be covered in the event of a claim arising out of your or anyone traveling with you or anyone on whom your trip depends Pre-existing Medical Condition.
Are you are aware that you or any other person (including a relative, traveling companion or close business associate) has:
• a pre-existing condition that could force you to cancel or cut short your trip?
• been admitted as an inpatient in hospital in the last 24 months?
• suffered from, or received any form of medical advice, treatment or medication for :
1. Any Heart or Circulatory related condition (Including Hypertension, Angina, Stroke)?
2. Any Lung or Breathing related condition (Other than inhaler controlled, mild Asthma, suffered in isolation)?
3. Any Cancerous condition?
4. Any Kidney Related Disorder?
If the answer to any of the above questions is YES then you must contact the Medical Pre-screening company in order to arrange cover for that condition. Failure to advise the Medical Pre-screening company of a pre-existing medical condition will result in claims for those undisclosed conditions not being paid.
Contact the Medical Pre-screening company on 0870 142 5201
What will happen when you call Health Check
Our trained operators will ask you a few simple questions about your intended holiday and the medical condition. You will be advised as to whether your Pre-existing Medical Condition can be covered, whether there will be an additional premium to pay or whether there are any changes to be made to the policy terms and conditions.
If cover can be provided, you will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover where applicable. Please read this letter carefully and keep it with your insurance documents as it confirms the terms of the cover.
I must also point out to you that cover cannot be offered for any Pre-Existing Medical Condition if you, or the person you are traveling with:
• are awaiting the results of medical tests or investigations
• are traveling against the advice of a medical practitioner
• are traveling for the purpose of obtaining medical treatment
• are on a hospital waiting list
• are receiving ongoing dialysis treatment
• have been given a terminal prognosis
• have a psychological condition (including anxiety, stress, depression, psychiatric or eating disorders, phobias)
• are due to give birth within ten weeks of the booked start or return date of your trip.
Territorial Limits: these are defined as outlined below:
Europe - The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands and Non-European countries bordering the Mediterranean (except Algeria, Lebanon, Libya and Israel)
Worldwide - Including USA and Canada
Please note the underwriter of your policy is White Horse Insurance Ireland Limited.
Age
If you are 85 or over then you are not eligible for the single trip insurance offered by The Cruise Store
If you are 65 or over you are not eligible for annual multi-trip travel insurance offered by The Cruise Store .
MATERIAL FACTS
You MUST disclose all material facts. A material fact is one that is likely to influence the Insurer in accepting your insurance. This could be the state of your health or that of a close relative or any hazardous activities you may want to participate in. If you are in any doubt as to whether a fact is ‘material’, you should tell The Cruise Store . If you do not disclose material facts, it may result in your claims being invalid.
EVIDENCE OF COVER
You should read your policy booklet carefully. It gives you full details of what is and is not covered and the conditions of the cover.
CONDITIONS, EXCLUSIONS AND WARRANTIES
Conditions and exclusions will apply to individual sections of your policy while general exclusions and conditions will apply to the whole of your policy
DANGEROUS SPORTS OR PASTIMES
You are only covered under the policy for claims arising from certain dangerous sports/activities. Please read the list carefully to ensure you will be covered
PROPERTY CLAIMS
These claims are paid based on the value of the goods at the time you lose them and not on a ‘new for old’ or replacement cost basis. An allowance for wear, tear and depreciation will be deducted. Certain items of personal property are not covered.
PERSONAL LIABILITY
There is no cover for Personal Liability claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft or any mechanically propelled conveyance.
POLICY LIMITS
All sections of your policy have limits on the amount the Insurer will pay under that section. There are also specific limits under the Personal Effects and Baggage section for: any Single Item; Valuables, items for which an original receipt, proof of purchase or an insurance valuation is not supplied; loss, theft or damage occurring on a beach or in or around a swimming pool.
POLICY EXCESSES
Under most sections of the policy, claims will be subject to an Excess per person. This means that you will be responsible for the first part of the claim. The amount you have to pay is the Excess.
REASONABLE CARE / UNATTENDED PROPERTY
You must exercise reasonable care to prevent illness, injury to you or loss or damage to your property, as if uninsured.
COMPLAINTS PROCEDURE
If you have any cause for complaint regarding this insurance, there is a complaints procedure outlined in the policy wording which you must follow.
COOLING OFF PERIOD
If, after reading your policy you are not satisfied with it for any reason, you can return the policy to The Cruise Store within 14 days of receipt and you will receive a full refund of premium, provided that a claim does not exist and that travel has not taken place.
