Travel Insurance

Insurance Product Information Document

Company: American International Group UK Limited

Product: Emirates Travel Insurance Policy
Registered in the United Kingdom. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and Prudential Regulation Authority (FRN number 781109)

You can find complete information on the policy in the policy document

What is this type of insurance?

This worldwide travel insurance policy covers both return and one-way trips outside your country of residence, subject to the
applicable duration terms set out below, and all policy terms and conditions.
Please note: covered trips require an air journey in a commercial, scheduled aircraft in which you are a passenger on an
Emirates series 176 ticket.
The policy addresses COVID-19 for some benefits. Cover is expanded to include certain losses occurring after COVID-19
was a known event and could reasonably have been expected to lead to a claim (which otherwise would have been
excluded as set out in the General Exclusions section of the policy).

What is insured? What is not insured?

Medical and personal accident
✓ Emergency medical expenses and repatriation  Claims relating to a medical condition or an illness
Sum insured: Up to £340,000 (including for medical related to a medical condition which you or any
costs and evacuation incurred during your trip as a person who your trip depends on knew about before
result of contracting COVID-19). Hospital daily cash: you bought this insurance or travelling against
£31 per 24 hrs up to £2,500 medical practitioner advice

✓ Personal accident:  Trip cancellation / interruption due to

Sum insured: up to £34,000 - epidemic / pandemic-related travel advisories
issued by governments, health authorities or the
WHO
✓ Overseas Quarantine allowance: up to £100 a - border closures, quarantine or other government
day for up to 14 consecutive days if you are orders, advisories, regulations or directives; or
unexpectedly placed into mandatory quarantine - disinclination to travel, change of mind or fear of
outside your country of residence, to cover travelling, or if an airline has offered a refund or
reasonable and necessary expenses compensation
✓ Trip cancellation, trip curtailment:  Travelling with the purpose of receiving medical
Sum insured: up to £5,200 (includes cancellation if treatment abroad
you or a relative are diagnosed with COVID-19 prior
to your departure date, or you or a relative is a full-  Claims arising from using a two-wheeled motor
time teacher, employee or student at a primary or vehicle as a driver or passenger if you are not
secondary school who is required to complete an wearing a crash helmet, where the engine size of the
extended school year on or beyond your departure two-wheeled motor vehicle exceeds 100cc
date)  Claims arising from you being involved in any criminal
Possessions act
✓ Personal belongings / baggage  Claims for personal belongings/baggage if:
Sum insured: up to £3,400 / £1,000 per item or set of - you don't report the loss/theft to the police within
items / valuables and 24 hours and obtain a written police report
electronic/other equipment £860 - your belongings are left unattended in a public
✓ Cash and traveller’s cheques place
Sum insured: up to £340 (for children under 16 years - valuables or other valuable items are not carried
of age, a limit of £69 applies for cash) in hand luggage on a plane or public transport
Delay  Loss, theft or damage to specified items including
✓ Missed departure contact lenses, dentures, hearing aids, bicycles or
motor vehicles
Sum insured: up to £690
✓ Travel delay and abandonment
 Loss of cash, traveller’s cheques or valuables: if:
- not carried with you or left in a locked safety

2020.12 EMIRATES IPID.DOCX

 Sum insured: £34 per hour delay up to £690. 12 hours deposit facility
must pass before benefit begins (includes as a result - you don't report the loss/theft to the police within
of abandonment but not delay if you fail a COVID-19 24 hours and obtain a written police report
related test or a medical screening at the airport)

Are there any restrictions on cover?

! You must contact AIG Travel immediately if you need

assistance on the contact details provided in the
policy

! For claims for personal belongings/baggage, you must

provide receipts or other proof of ownership wherever
possible; we may make a deduction for wear and tear
and loss of value

! For claims for cash/traveller’s cheques, you must

provide evidence of ownership and value (e.g.
receipts, bank statements or cash withdrawal slips)

! For other claims you must provide evidence of any

additional expenses you incurred and of any delays
that you suffered

Where am I covered?
✓ Worldwide including USA/Canada/Caribbean
✓ No cover is provided for any trip in, to or through Iran, Cuba, Syria, North Korea, and the Crimea Region of the Ukraine.
What are my obligations?
— You must take all reasonable steps to avoid or reduce any loss (for example, you should use your EHIC card if you have
one and you receive hospital treatment in a participating country)
— If you make a claim, you must provide documents and other evidence that we need to deal with your claim, and follow the
claims procedure set out in the policy
— You must pay back any amount you are not entitled to (for example, if we pay your claim for lost luggage but the airline then
finds and returns your luggage to you)

When and how do I pay?

No payment for cover is required from you.

When does the cover start and end?

Cover for cancellation benefit starts when you book the trip. Cover under the rest of the benefits start when you leave your
country of departure, while travelling outside of your country of residence.
Cover ends for Cancellation coverage as soon as you start your trip. Cover ends for all other sections:
Return Trips: when you return to your country of departure or after 365 days from your original departure date,
whichever is earlier.
One-way Trips: For the following benefits, cover ends after 31 days
o Emergency Medical Expenses
o Emergency Medical Evacuation/Transportation expenses
o Emergency Dental Treatment
o Repatriation of Mortal Remains
o Hospital Daily Cash Benefit
o Overseas Quarantine Allowance
All other one-way Trips benefits will end 48 hours after your arrival at your final destination outside of your country of
residence.

How do I cancel the contract?

The insured person can cancel by phoning 01273 456 672, emailing [email protected] or writing to AIG Travel, PO Box
2157, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF.
The cover is provided at no cost to the insured person so there is no entitlement to a refund.
 TRAVEL GUARD POLICY WORDING
Issued to Emirates for ticketholder coverage

TRAVEL GUARD POLICY WORDING 12.20

Page 1 of 29
IMPORTANT CONTACT DETAILS

What to do if You need assistance:

Please Contact:
The Assistance Manager
AIG Travel
Assistance Department
Unit 21, Cecil Pashley Way, Shoreham Airport
Shoreham by Sea
West Sussex BN43 5FF
Phone: +44 (0)1273 456 672
E-mail: [email protected]

What to do if You have a claim:

Please Contact:
The Claims Manager
PO Box 45, Feltham TW13 9EH
Phone: +44 (0)1273 456 672
Fax: +44 (0)1273 376 935
E-mail: [email protected]

What to do if You have any questions about this insurance product:

Please Contact:
The Customer Care Manager
AIG Travel
eCommerce Department
Unit 21, Cecil Pashley Way, Shoreham Airport
Shoreham by Sea
West Sussex BN43 5FF
Phone: +44 (0)1273 456 672
E-mail: [email protected]

TRAVEL GUARD POLICY WORDING 12.2020 Page 2 of 29

 TABLE OF BENEFITS
The following covers are provided for each Insured Person. It is important that You refer to the terms and conditions below for full
details of cover.

Benefit Schedule

Coverage (GBP £) Excess

A Trip Cancellation and Curtailment

1 Trip Cancellation 5,200 Nil
2 Trip Curtailment 5,200 Nil

B Personal belongings & Travel inconvenience

1 Personal Baggage 3,400 Nil
2 Single Item Limit 1,000
3 Valuables Limit 860
4 Baggage Delay 34 per hour/up to 690 12 hours
5 Personal Money 340 Nil
6 Passport and Travel Documents 340 Nil
7 Credit Card Benefit 690 Nil
8 Travel Delay and Abandonment 34 per hour/up to 690 12 hours
9 Missed Departure 690 Nil
10 Hijack & Kidnap 170 per hour/up to 6,900 24 hours

C Medical and other expenses

1 Emergency Medical Expenses 340,000 Nil
Emergency Medical Evacuation/Transportation expenses Included
Emergency Dental Treatment Included, up to 260
Repatriation of Mortal Remains/Funeral Expenses Included, up to 6,200
2 Hospital Daily Cash Benefit 31 per 24 hours/up to 2,500 Nil
100 per 24 hours per person/up to 14
3 Overseas Quarantine Allowance Nil
consecutive days
4 Emergency Return Home and Resumption of Journey 3,400 Nil
5 Pre-Travel Assistance Benefit included Nil
6 During-Travel Assistance Benefit included Nil
7 Concierge Service Benefit included Nil

D Personal Accident 34,000 Nil

E Others
1 Personal liability 690,000 Nil
2 Legal costs 6,900 Nil
3 Bail Bond Advance 3,400 Nil
4 Pet Care -Kennel and Cattery 31 per 24 hours/up to 310 24 hours
5 Catastrophe Cover 1,000 Nil
6 Mugging Cover 620 Nil
7 Collision Damage Waiver - excess waiver 340 Nil
8 Domestic Trips As per relevant sections Nil

F Winter Sports Cover

1 Loss of Winter Sports Equipment 1,700 Nil
2 Ski Hire 21 per 24 hours/up to 410 Nil
3 Ski Pack 210 Nil
4 Piste Closure 28 per 24 hours/up to 280 Nil
5 Avalanche and Landslide 41 per 24 hours/up to 210 Nil

G Airspace Closure Cover

1 Cancellation 4,100 24 hours
2 Additional expense if you are stranded at the point of departure 100
3 Additional costs to reach your destination 170 24 hours
4 Additional expense if you are stranded on an international 140 per each 24 hours period of delay,
24 hours
connection up to a maximum of 690
140 per each 24 hours period of delay,
5 Additional expense if you are stranded on your return journey 24 hours
up to a maximum of 690
6 Additional travel expense to get you home 1,400 24 hours
34 per each 24 hours period of delay,
7 Additional car parking costs 24 hours
up to a maximum of 170
34 per each 24 hours period of delay,
8 Additional kennel or cattery fees 24 hours
up to a maximum of 170

TRAVEL GUARD POLICY WORDING 12.2020 Page 3 of 29

GENERAL INFORMATION ABOUT THIS INSURANCE
Insurance provider
This insurance is provided at the request of Emirates and underwritten by American International Group UK Limited (AIG UK).
Emirates is an appointed representative of American International Group UK Limited. Emirate’s address is Emirates Group
Headquarters, PO Box 686, Dubai, United Arab Emirates.

American International Group UK Limited is registered in England under company number 10737370.
Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB, United Kingdom.

American International Group UK Limited is a member of the Association of British Insurers.

American International Group UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial
Conduct Authority and the Prudential Regulation Authority (FRN 781109). This can be checked by visiting the FS Register
(https://register.fca.org.uk/ ).

AIG Travel provides claims handling services on behalf of American International Group UK Limited and is also a provider of
medical assistance services. AIG Travel is a trading name of AIG Travel EMEA Limited and is registered in England under
company number 01728011. Registered office: Unit 21 Cecil Pashley Way, Shoreham Airport, Shoreham by Sea, West Sussex
BN43 5FF, United Kingdom.

Neither Emirates nor AIG UK or AIG Travel provide any advice or personal recommendation about this insurance product.

Your travel insurance

This group policy is evidence of the contract between Emirates (the Policyholder) and American International Group UK Limited.
The Policyholder will pay the agreed premium for the benefits as stated in this policy, for covered losses incurred by an Insured
Person (You). Coverage will attach to a Trip as defined herein.

This policy wording forms the basis of Our contract of insurance with the Policyholder. It explains what You are covered for and
contains conditions and exclusions You should be aware of. You must keep to all the terms and conditions of the insurance,
otherwise any Claims You make may not be paid.

Please read this policy wording to make sure that the cover meets Your needs. All terms in bold are defined terms that have the
meaning specified in the General Definitions section below or in a relevant policy provision.

If You would like to receive a copy of this documentation in paper format for no charge (including braille or large print), please contact
Us by email at [email protected], or by telephone on 0330 300 0150, or write to The Assistance Manager, AIG Travel
Assistance Department, Unit 21, Cecil Pashley Way, Shoreham Airport, Shoreham by Sea, West Sussex BN43 5FF.

Assignment
No one covered under this policy may assign or transfer any benefit, right or interest in regard to this policy without Our prior
written consent.

Rights of third parties

This policy is personal between Us and the Policyholder. This policy is not intended to give any person other than the insured
persons, the Policyholder or Us, any right to enforce any part of it which that person would have had but for the Contracts (Rights
of Third Parties) Act 1999.

Law
This policy will be governed by the laws of England and Wales and will be subject to the jurisdiction of the courts of England and
Wales to determine any dispute arising under or in connection with it, unless You reside in Scotland, Northern Ireland or the Isle of
Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction, unless agreed to
the contrary by Us before the commencement date of this policy.

The terms and conditions of this policy will only be available in English and all communications relating to this policy will be in
English.

Sanctions Exclusions
We will not be deemed to provide cover and We will not be liable to pay any Claim or provide any benefit hereunder if We
determine that the provision of such cover, payment of such Claim or provision of such benefit would expose the Insurance
Provider, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under United Nations
resolutions or the trade or economic sanctions laws or regulations of the European Union, the United Kingdom, or the United States
of America. We will not provide any cover in, or make any payments to any person or provider entity located in any country or
region that is subject to comprehensive sanctions, which as of the effective date of this policy include Iran, Cuba, Syria, North
Korea, and the Crimea Region of Ukraine.

This policy will not: cover any loss, injury, damage or legal liability sustained directly or indirectly by any individual or entity
identified on any applicable government watch list as a supporter of terrorism, narcotics or human trafficking, piracy, proliferation of
weapons of mass destruction, organized crime, malicious cyber activity, or human rights abuses; or pay any Claim, loss, or
expense involving any service provider who is on any such list.

TRAVEL GUARD POLICY WORDING 12.2020 Page 4 of 29

How we use Personal Information

We are committed to protecting the privacy of customers, claimants and other business contacts.

“Personal Information” identifies and relates to You or other individuals (e.g. Your partner or other members of Your family). If
You provide Personal Information about another individual, You must (unless We agree otherwise) inform the individual about the
content of this notice and Our Privacy Policy and obtain their permission (where possible) for sharing of their Personal Information
with Us.

The types of Personal Information we may collect and why – Depending on Our relationship with You, Personal Information
collected may include: contact information, financial information and account details, credit reference and scoring information,
sensitive information about health or medical conditions (collected with Your consent where required by applicable law) as well as
other Personal Information provided by You or that We obtain in connection with Our relationship with You. Personal Information
may be used for the following purposes:

Insurance administration, e.g. communications, claims processing and payment

Make assessments and decisions about the provision and terms of insurance and settlement of claims
Assistance and advice on medical and travel matters
Management of Our business operations and IT infrastructure
Prevention, detection and investigation of crime, e.g. fraud and money laundering
Establishment and defence of legal rights
Legal and regulatory compliance (including compliance with laws and regulations outside your country of residence)
Monitoring and recording of telephone calls for quality, training and security purposes
Market research and analysis

Sharing of Personal Information - For the above purposes Personal Information may be shared with Our group companies and
third parties (such as brokers and other insurance distribution parties, insurers and reinsurers, credit reference agencies,
healthcare professionals and other service providers). Personal Information will be shared with other third parties (including
government authorities) if required by laws or regulations. Personal Information (including details of injuries) may be recorded on
claims registers shared with other insurers. We are required to register all third party claims for compensation relating to bodily
injury to workers’ compensation boards. We may search these registers to prevent, detect and investigate fraud or to validate your
claims history or that of any other person or property likely to be involved in the policy or claim. Personal Information may be shared
with prospective purchasers and purchasers, and transferred upon a sale of Our company or transfer of business assets.

International transfer - Due to the global nature of Our business, Personal Information may be transferred to parties located in
other countries (including the United States, China, Mexico Malaysia, Philippines, Bermuda and other countries which may have a
data protection regime which is different to that in your country of residence). When making these transfers, We will take steps to
ensure that Your Personal Information is adequately protected and transferred in accordance with the requirements of data
protection law. Further information about international transfers is set out in our Privacy Policy (see below).

Security of Personal Information – Appropriate technical and physical security measures are used to keep your Personal
Information safe and secure. When We provide Personal Information to a third party (including our service providers) or engage a
third party to collect Personal Information on our behalf, the third party will be selected carefully and required to use appropriate
security measures.

Your rights – You have a number of rights under data protection law in connection with our use of Personal Information. These
rights may only apply in certain circumstances and are subject to certain exemptions. These rights may include a right to access
Personal Information, a right to correct inaccurate data, a right to erase data or suspend Our use of data. These rights may also
include a right to transfer Your data to another organisation, a right to object to Our use of your Personal Information, a right to
request that certain automated decisions We make have human involvement, a right to withdraw consent and a right to complain to
the data protection regulator. Further information about Your rights and how You may exercise them is set out in full in our
Privacy Policy (see below).

Privacy Policy - More details about Your rights and how We collect, use and disclose Your Personal Information can be found in
Our full Privacy Policy at: https://www.aig.co.uk/privacy-policy or You may request a copy by writing to: Data Protection Officer,
American International Group UK Limited , The AIG Building, 58 Fenchurch Street, London EC3M 4AB.or by email at:
[email protected].

If you have any questions

If You have any questions about the cover provided under this policy or You would like more information, please contact Our
Assistance Department through phone or email using details provided on page 2 of this document. Please note this is for customer
service only. Claims are to be submitted according to the information provided in the Important Claim Information section below.

IMPORTANT THINGS YOU NEED TO KNOW ABOUT YOUR COVER BEFORE

YOU TRAVEL
Health conditions
This policy contains conditions relating to Your health or the health of people travelling with You. In particular, We do not cover
medical conditions which You or they had before the cover incepted. If there is a change in the state of health of Yourself, and/or
anyone travelling with You, please contact the assistance department on +44 (0)1273 456 672 immediately. By declaring details of
the change in health, this will enable Us to decide whether We can continue to provide cover for Your change in circumstances

TRAVEL GUARD POLICY WORDING 12.2020 Page 5 of 29

under the existing terms of the policy. We have the right to add further terms and conditions to Your policy or exclude cover for the
newly diagnosed condition.
This policy does not cover medical conditions relating to the health of a Relative or a Business Associate if You are aware of
circumstances in relation to their health at the time of booking Your Trip that are likely to make cancellation of Your Trip
necessary.

Health agreements
If You are travelling to a country in the European Union, You should take a European Health Insurance Card (EHIC) with You.
Application forms to obtain an EHIC are available from Your local post office or You can download an application form from the
following website: www.ehic.org.uk. This entitles European citizens to benefit from the health agreements which exist between
countries in the European Union.

If You are travelling to Australia or New Zealand and You need medical treatment, You should enrol with Medicare or the
equivalent scheme of these countries. Further information about enrolling in the Medicare scheme in Australia is available from the
following website: www.hic.gov.au.

Travel delays - EC Regulations

This policy is not designed to cover costs which are met under the EC Regulation No. 261/2004. Under this Regulation if you have
a confirmed reservation on a flight, and that flight is delayed by between 2 and 4 hours (length of time depends on the length of
Your flight) the airline must offer You meals, refreshments and hotel accommodation. If the delay is more than 5 hours, the airline
must offer to refund Your ticket. The Regulations should apply to all flights, whether budget, chartered or scheduled, originating in
the EU, or flying into the EU using an EU carrier.
If your flight is delayed or cancelled, You must in the first instance approach Your airline and clarify with them what costs they will
pay under the Regulation.

If You would like to know more about Your rights under this Regulation, additional useful information can be found on the Civil
Aviation Authority website (www.caa.co.uk).

Sports and activities

See pages 24 to 29 for a full listing of activities and the level of cover that is available.

Residency in regard to claim

If at the time of booking Your Trip, Your Country of Residence is not the same as Your Country of Citizenship, We draw Your
attention to the following:

(1) In the event of Your illness or injury resulting in a valid Claim under section C Medical and other expenses, We reserve the
right to move You to another medical facility or to evacuate You to Your Country of Residence or Your Country of Citizenship.
Also, once the Assistance Department has determined You are able to be moved, they will arrange necessary and reasonable
transportation to Your Country of Residence or Your Country of Citizenship. Cover and liability end under all sections of this
policy once You have reached Your first destination address in either Your Country of Residence or Your Country of
Citizenship. You must follow the Assistance Departments instructions at all times. All decisions as to the means of transportation
will be made by the Assistance Department.

(2) If You are on a Trip to Your Country of Citizenship, once You are deemed fit by Us or Our Assistance Department to travel,
any costs are not covered if You refuse to leave Your Country of Citizenship or if You are refused admittance back to Your
Country of Residence.

See also Important Claim Information and section C (Medical and other expenses).

Your right to cancel Your cover

If this cover is not suitable for You or You want to cancel Your cover, You must contact AIG Travel by phoning +44 (0)1273 456
672, emailing [email protected] or by writing to AIG Travel, PO Box 2157, Shoreham Airport, Shoreham by Sea, West
Sussex BN43 5FF .

Your cover is provided at no cost to You. If You cancel Your cover, You will not be entitled to a refund.

Our right to cancel Your cover

We have the right to cancel Your cover by giving at least 30 days notice in writing to You at Your last known address where We
have valid reasons for doing so. Valid reasons include but are not limited to:
(a) failure to comply with the general conditions on page 9 of this policy. We may cancel where the failure is incapable of remedy
or You fail to remedy within 14 days of receiving written notice from Us requiring You to remedy the breach. ; and/or
(b) where We reasonably suspect fraud.

COVERED TRIPS AND DURATIONS

Covered trips
This policy covers both return and one-way Trips outside your Country of Residence, subject to the applicable duration terms set
out below, and all policy terms and conditions. (Please note: As per the definition of Trip in General Definitions, Trip is based on a
Flight booking, which as defined, requires travel on an Emirates series 176 ticket.)

TRAVEL GUARD POLICY WORDING 12.2020 Page 6 of 29

When does cover for a trip start?
• Trip Cancellation: Cover under benefit section A (Cancelling Your Trip) starts at the time You book the Trip and ends as
soon as You start Your Trip.

• Other benefits: Cover under all other benefit sections starts when You leave Your Country of Departure, while travelling
outside of Your Country of Residence.

When does cover for a trip end?

• Return Trips: Cover ends when You return to Your Country of Departure or 365 days after Your original departure
date from Your Country of Departure, whichever is earlier.

• One-way Trips: For the following benefits, cover for one-way Trips ends 31 days after Your arrival at Your Final
Destination outside of Your Country of Residence.
o Emergency Medical Expenses
o Emergency Medical Evacuation/Transportation expenses
o Emergency Dental Treatment
o Repatriation of Mortal Remains
o Hospital Daily Cash Benefit
o Overseas Quarantine Allowance

All other benefits will expire after 48 hours after Your arrival at Your Final Destination outside of Your Country
of Residence.

Period of Insurance
The period shown under Your Travel Itinerary, subject to the conditions stated under “Covered Trips and Durations” above.

Trip extensions
If, due to unexpected circumstances beyond Your control which fall within the terms and conditions of this cover, Your Trip cannot
be completed within the period of insurance shown in Your Travel Itinerary, cover will be extended for You at no extra cost for up
to 30 days. This also applies to one person travelling with You who is authorised to stay with You by Us if the extension is due to
medical reasons. All requests for more than 30 days must be authorised by the Assistance Department.

IMPORTANT CLAIM INFORMATION

Medical and other emergencies
The Assistance Department will provide immediate help if You are ill, injured or die during the Trip. They provide 24-hour
emergency service 365 days a year. Contact details are as follows:

Phone: +44 (0)1273 456 672

Fax: +44 (0)1273 376 935
E-mail: [email protected]

Please have the following information available when You contact the Assistance Department so that Your case can be dealt with
swiftly and efficiently:
• Your name and address;
• Your contact phone number abroad;
• Your Travel Itinerary; and
• The name, address and contact phone number of Your General Practitioner

Please note: This is not private medical insurance. If You go into Hospital abroad and You are likely to be kept as an inpatient for
more than 24 hours or if Your outpatient treatment is likely to cost more than £300, You or someone acting on Your behalf must
contact the Assistance Department immediately. If You/they do not, We may provide no cover, or We may reduce the amount We
pay for medical expenses.

If You have to return to Your Country of Residence under section A2 (Cutting Your Trip short) or section C1 (Medical and other
expenses) the Assistance Department, must authorise this. If they do not, We may provide no cover, or We may reduce the amount
We pay for Your return to Your Country of Residence.

If you need to make a claim

You must register a Claim using contact details provided below:
AIG Travel Claims Department
PO Box 45, Feltham, TW13 9EH
Phone: 01273 456 672
Fax: 01273 376 935
E-mail: [email protected]

Please note: All Claims must be notified as soon as it is reasonably practical after the event which causes the Claim. If Our
position is prejudiced by the late notification of a Claim, then this may affect Our acceptance of a Claim.

The Claims department is open Monday to Friday between 9am and 5pm. A Claim form will be sent to You as soon as You tell
them about Your Claim.

TRAVEL GUARD POLICY WORDING 12.2020 Page 7 of 29

To help Us prevent fraudulent Claims, We store Your personal details on computer and We may transfer them to a centralised
system. We keep this information in line with data protection law.

Fraud
This contract of insurance is based on mutual trust. We provide cover and We assume that any Claims You make are genuine.
Our experience in handling Claims enables Us to detect many of those which are fraudulent, and this includes those which are
exaggerated. We investigate every Claim and if We believe that a fraudulent Claim is being made, We will inform the police. This
may result in criminal prosecution.

Customer service
We believe you deserve a courteous, fair and prompt service. If there is any occasion when Our service does not meet your
expectations please contact Us using the appropriate contact details below, providing the Policy/Claim Number and the name of
the Insured Person to help Us deal with your comments quickly.

Customer Relations
Emirates Insurance
P.O. Box 2157
Shoreham By Sea
BN43 9DH
Phone (claims): 01273 456 672
Phone (non-claims): 01273 456 672
E-mail: [email protected]

Lines are open Monday to Friday 9.15am – 5pm, excluding bank holidays. Calls may be recorded for quality,
training and monitoring purposes.

We operate a comprehensive complaint process and will do our best to resolve any issue you may have as quickly as possible. On
occasions however, We may require up to 8 weeks to provide you with a resolution. We will send you information outlining this
process whilst keeping you informed of Our progress.

If We are unable to resolve your concerns within 8 weeks, you may be entitled to refer the complaint to the Financial Ombudsman
Service. We will provide full details of how to do this when We provide our final response letter addressing the issues raised.

Please note that the Financial Ombudsman Service may not be able to consider a complaint if you have not provided Us with the
opportunity to resolve it.

The Financial Ombudsman Service can be contacted at:

Write to: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Call: 0800 023 4567 or 0300 123 9 123
Email: [email protected]
Online: www.financial-ombudsman.org.uk

Following this complaint procedure does not affect your rights to take legal action.

If you wish to complain about an insurance policy purchased online you may be able to use the European Commission’s Online
Dispute Resolution platform, which can be found at http://ec.europa.eu/consumers/odr/

Financial Services Compensation Scheme (FSCS)

American International Group UK Limited is covered by the FSCS. If We are unable to meet Our financial obligations You may be
entitled to compensation from the scheme, depending on the type of insurance and the circumstances of the Claim.

Further information about compensation scheme arrangements is available at www.fscs.org.uk and on 0207 741 4100, or 0800 678
1100.

GENERAL DEFINITIONS
Wherever the following words or phrases appear in the policy wording they will always have the meanings as shown below. Plural
forms of the words defined have the same meaning as the singular form.

Airspace Closure: A recommendation or order by any government or travel authority to close airspace.
Business Associate: Any person You conduct business with and who, if You were both away from work at the same time, would
prevent the business from running properly.
Child: A dependent Child or a grandchild (including an adopted or foster Child) of the Insured Person or the Insured Person’s
Spouse who is under 12 years of age at the time of booking the Trip.
Claim: A request by You to Us to avail of benefits available under this policy.
Common Carrier: Any land, water or air conveyance operating under a valid license for conveyance of fare paying passengers
and which operates to fixed, established and regular schedules and routes.
Country of Citizenship: The country where You are a citizen or permanent resident.
Country of Departure: The country from which You first departed for Your Trip as per Your Travel Itinerary.
Country of Residence: The country where You are living or located or working at the time of booking Your Trip.

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Epidemic or Pandemic: An outbreak of a communicable disease declared as an Epidemic or Pandemic by the World Health
Organization.
Final Destination: The country of arrival for Your final Flight in Your Travel Itinerary.
Flight: An air journey in a commercial, scheduled aircraft in which You are a passenger travelling on an Emirates ‘176’ series ticket.
Home: Your usual place of residence within Your Country of Residence.
Hospital: An establishment constituted and registered as a facility for the care and treatment of sick and injured persons and which:
1. has full facilities for diagnosis and surgical procedures;
2. provides twenty-four (24) hour a day nursing services by registered graduate nurses;
3. is supervised by a staff of Medical Practitioners; and
4. is not primarily a clinic, nursing, rest or convalescent home, a home for the aged, a place for the treatment of alcoholism or
drug addiction or an institution for mental or behavioural disorder.
Insured Person: A person named on a Travel Itinerary who is eligible for cover under this policy in accordance with a ticketed
Trip.
Manual Labour: Work involving physical labour, for example, but not limited to, construction, installation and assembly. This does
not include bar and restaurant staff, music and singing, or fruit picking (not involving machinery).
Medical Practitioner: A registered and properly qualified medical specialist licensed under applicable laws and acting within the
scope of his/her license and training. The attending Medical Practitioner cannot be You, Your Relative, Business Associate,
employer, employee, or Travelling Companion.
Money: Coins and banknotes, foreign currency, travelers’ cheques, or any other instruments with a monetary value.
Overseas: Beyond the territorial limits of Your Country of Departure or Country of Residence as applicable depending on the
country from where You originally depart as per Your Travel Itinerary, but in no circumstance includes Your Country of Residence.
Pair or Set of Items: A number of items associated as being similar or complementary or used together.
Policyholder: Emirates.
Pre-existing Medical Condition: A condition for which care, treatment, or advice was recommended by or received from a
Medical Practitioner, or which was first manifested or contracted within a period up to 12 months preceding the Insured person’s
Effective Date of coverage.
Quarantine: A restriction on movement or travel imposed by an official governmental body or health authority, in order to stop the
spread of a communicable disease.
Relative: Your Spouse and Your or Your Spouse’s parent, brother, sister, son, daughter, grandparent, grandchild, stepparent,
stepchild, stepbrother, stepsister or next of kin, mother-in-law, father-in-law, daughter-in-law, son-in-law, brother-in-law, sister-in-
law or the fiancé(e) of a person insured under this policy.
Spouse: A legally married Spouse.
Travel Itinerary: The itinerary issued, under a single PNR/ EK itinerary number, for a Flight(s) You booked (directly, indirectly, or
as part of any package) that has been ticketed.
Travelling Companion: A person (a) with whom You are personally acquainted prior to Your Trip, (b) with whom You personally
coordinated travel arrangements, (c) with whom You intend to travel for at least 80% of Your Trip duration, and (d) without whom
You reasonably would not undertake the Trip; but in no instance includes members of a tour group who do not meet all criteria (a)
to (d).
Trip: Your holiday or journey for ticketed Flight(s) as stated in Your Travel Itinerary, starting from the time that You leave Your
Country of Departure for travel outside of Your Country of Residence until arrival at Your Final Destination. This definition
must be read in conjunction with “Covered Trips and Durations” above.
Valuables: Photographic, audio, video and electrical equipment (including CDs, DVDs, video and audio tapes and electronic
games), MP3 players, computer equipment, binoculars, antiques, jewelry, watches, furs, silks, precious stones and articles made of
or containing gold, silver or precious metals.
War: War, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve
economic, geographic, nationalistic, political, racial, religious or other goals.
We, Us, Our: American International Group UK Limited.
You, Your, Yourself: Insured Person

GENERAL CONDITIONS
The following conditions apply to all sections of this insurance:
1 You must take all reasonable steps to avoid or reduce any loss that may result in You having to make a Claim under this
insurance.
2 You must give the Claims Department all the documents they need to deal with any Claim. You will be responsible for the
costs involved in doing this. For example, in the event of a cancellation Claim, You will need to supply proof that You
were unable to travel, such as a medical certificate completed by Your doctor.
3 You must help Us get back any Money that We have paid from other insurers or anyone else who is obligated to pay
such amounts by giving Us all the details We need and by filling in any forms.
4 If You try to make a fraudulent Claim or if any fraudulent means or devices are used when trying to make a Claim, this
policy may become void. Any benefits already paid to You must be repaid in full.
5 You must agree to have a medical examination for claims purposes if We ask. We may require a post-mortem
examination in case of Your death.
6 You must pay Us back any amounts that We have advanced on Your behalf or paid to You which are not covered by the
insurance.
7 After a Claim has been settled, any salvage You have sent into the Claims Department will become Our property.

GENERAL EXCLUSIONS
General exclusions apply to all sections of this insurance. We will not cover the following:

TRAVEL GUARD POLICY WORDING 12.2020 Page 9 of 29

 1 Any Claim for which the following apply.
a. The Claim relates to a Pre-existing Medical Condition or an illness related to a Pre-existing Medical
Condition which You or a Travelling Companion knew about before You booked Your Trip. Claims relating to
Pre-existing Medical Conditions of Relatives or Business Associates are not covered if at the time of
booking Your Trip, You are aware of circumstances relating to their health which are likely to lead to You
needing to cancel Your Trip. This exclusion does not apply to Claims resulting from a reinfection of
communicable disease the outbreak of which is declared an Epidemic or Pandemic.
b. You or a Travelling Companion are travelling against the advice of a Medical Practitioner.
c. You are travelling with the purpose of receiving medical treatment abroad.
d. You or a Travelling Companion is, have received or are waiting for, Hospital investigation or treatment for any
undiagnosed condition or set of symptoms.
e. You or a Travelling Companion have been given a terminal prognosis which results in Claim for medical
expenses covered under this policy.
2 Any Claim relating to a set of circumstances which You were aware of at the time You booked Your Trip and which could
reasonably be expected to lead to a Claim.
3 We will not be deemed to provide cover and We will not be liable to pay any Claim or provide any benefit hereunder if We
determine that the provision of such cover, payment of such Claim or provision of such benefit would expose the
Insurance Provider, its parent company or its ultimate controlling entity to any sanction, prohibition or restriction under
United Nations resolutions or the trade or economic sanctions laws or regulations of the European Union, the United
Kingdom, or the United States of America.
4 We will not provide any cover in, or make any payments to any person or provider entity located in any country or region
that is subject to comprehensive sanctions, which as of the effective date of this policy include Iran, Cuba Syria, North
Korea, and the Crimea Region of Ukraine.This policy will not: cover any loss, Injury, damage or legal liability sustained
directly or indirectly by any individual or entity identified on any applicable government watch list as a supporter of
terrorism, narcotics or human trafficking, piracy, proliferation of weapons of mass destruction, organized crime, malicious
cyber activity, or human rights abuses; or pay any Claim, loss, or expense involving any service provider who is on any
such list.
5 Any Claim arising out of War, civil War, invasion, revolution or any similar event.
6 Any Claim arising from civil riots, blockades, strikes or industrial action of any type (except for strikes or industrial action
which were not public knowledge when You booked Your Trip).
7 Loss or damage to any property, or any loss, expense or liability arising from ionizing radiation or contamination by
radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel or the radioactive, toxic, explosive
or other dangerous properties of any explosive nuclear equipment or any part of it.
8 Any Claim if You already have a more specific insurance covering this (for example, if an item You are claiming for under
section B1 (Personal belongings and baggage) is a specified item on Your household contents insurance policy).
9 Any Claim arising from using a two-wheeled motor vehicle as a driver or passenger if You are not wearing a crash helmet
where the engine size of the two-wheeled motor vehicle exceeds 100cc.
10 Any indirect losses, costs, charges or expenses (meaning losses, costs, charges or expenses which are not listed under
the headings ‘What You are covered for’ in sections A to G; for example, loss of earnings if You cannot work after You
have been injured).
11 Any Claim arising from the tour operator, airline or any other company, firm or person becoming insolvent.
12 Any Claim arising from the tour operator, airline or any other company, firm or person being unable or unwilling to fulfill
any part of their contractual or legal obligation to You.
13 Any Claim arising in connection with or during Your Trip to a specific country or area for which an official government
agency has mandated a border closure or issued a travel prohibition or ban.
14 Any Claim arising from You flying in any aircraft other than a fully licensed passenger-carrying aircraft.
15 Any Claim arising from You being involved in any criminal act.
16 Motor vehicle racing of any kind.
17 Any Claim involving You taking part in Manual Labour or in any sport or activity unless the activity has been authorised
by Us. Please see the Sports and activities section on pages 26 to 30 for a full listing of cover available.
18 Any Claim relating to Winter Sports unless the activity is covered under Section F.
19 Any Claim arising from
a. Your suicide or attempted suicide; or
b. You injuring Yourself deliberately or putting Yourself in danger (unless You are trying to save a human life).
20 Any Claim arising directly from using alcohol or using drugs, (unless the drugs have been prescribed by a doctor) or from
You contracting any sexually transmitted disease or condition.
21 Any costs which You would have been liable to pay had the reason for the Claim not occurred (for example, the cost of
food which You would have paid for in any case).
22 Any Claim arising as a result of You failing to get the inoculations and vaccinations that are required by a governmental
body of either Your Country of Residence or any of Your destinations for Your Trip.
23 Any Claim arising from You acting in a way which goes against the advice of a Medical Practitioner.
24 The costs of making any Claim against Emirates.

SECTIONS OF COVER
Please note: If You are unable to provide any of Claims evidence referred to in the following sections of cover, (for example police
reports for lost or stolen items of personal baggage), You may still be eligible to make a Claim depending on the circumstances
which have prevented You from obtaining the necessary documentation. Please contact the Claims Department to discuss why
You have been unable to obtain the relevant documentation and to obtain a Claim form so Your Claim can be considered.

SECTION A – TRIP CANCELLATION AND TRIP CURTAILMENT

A.1. Trip Cancellation

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What you are covered for
We will pay up to the amount shown in the table of benefits for:
• Travel and accommodation expenses which You have paid or have agreed to pay under a contract and which You cannot
get back;
• The cost of excursions, tours and activities which You have paid for and which You cannot get back; and
• The cost of visas which You have paid for and which You cannot get back.

We will provide this cover if the cancellation of Your Trip is necessary and unavoidable as a result of the following:
1 You dying, becoming seriously ill or being injured.
2 The death, serious illness or injury of a Relative, a Travelling Companion or a Relative or friend living abroad who You
had planned to stay with (subject to the limitation in point 4 below). The incident giving rise to the Claim must have been
unexpected and not something You were aware of when You booked Your Trip.
3 The death, serious illness (excluding communicable disease the outbreak of which is declared as an Epidemic or
Pandemic) of a Business Associate. The incident giving rise to the Claim must have been unexpected and not
something You were aware of when You booked Your Trip.
4 You or a Relative being diagnosed with a communicable disease the outbreak of which is declared as an Epidemic or
Pandemic after You booked Your Trip, but prior to the scheduled Trip departure date.
5 An extension of the school year due to Epidemic or Pandemic, if You or a Relative is a full-time teacher, other full-time
employee, or a student at a primary or secondary school and is required to complete an extended school year that falls on
or beyond the departure date of Your Trip. This cover would apply only if such an Epidemic or Pandemic is declared so
by the World Health Organization.
6 You being made redundant, as long as You are entitled to payment under the current redundancy/unemployment
payments law and that, at the time of booking Your Trip, You had no reason to believe that You would be made
redundant.
7 You or a Travelling Companion are called for jury service (and Your request to postpone Your service has been
rejected) or attending court as a witness (but not as an expert witness).
8 If Your presence is required or the police or relevant authority needs You to stay in Your Country of Residence after a
fire, storm, flood, burglary or vandalism to Your Home or place of business within fifteen days before You planned to
leave on Your Trip in Your Country of Residence.
9 If You are a member of the armed forces or police, fire, nursing or ambulance services which results in You having to stay
in Your Country of Residence due to an unforeseen emergency or if You are posted Overseas unexpectedly.
10 If after the time You booked Your Trip, an official governmental body of Your Country of Residence or Country of
Departure issues an advisory against travel to the city listed on Your Travel Itinerary.
11 If You become pregnant after the date You booked Your Trip and You will be more than 26 weeks pregnant at the start
of or during Your Trip. Or, if Your doctor advises that You are not fit to travel due to complications in Your pregnancy.
12 If You or a Travelling Companion are hijacked;

What you are not covered for under section A.1

1 Cancelling Your Trip because of a medical condition or an illness related to a medical condition which You knew about
and which could reasonably be expected to lead to a Claim. This applies to You, a Relative, Business Associate or a
Travelling Companion, and any person You were depending on for the Trip.
2 You not wanting to travel.
3 Any extra costs resulting from You not telling the holiday company as soon as You know You have to cancel Your Trip.
4 You being unable to travel due to Your failure to obtain the passport or visa You need for the Trip.
5 Airport taxes and associated administration fees shown in the cost of Your Flights.
6 Costs which have been paid for on behalf of a person who have not taken out insurance cover with Us.

Claims evidence required for section A.1

• Travel Itinerary
• Proof of travel cost (confirmation invoice, travel tickets, unused excursion, tour or activity tickets).
• Cancellation invoice or letter confirming whether any refund is due.
• A medical certificate which We will supply for the appropriate doctor to complete.
• An official letter confirming: redundancy, emergency posting Overseas, or the need for You to remain in Your Country of
Residence.
• Your summons for jury service.
Please note: This is not a full list and We may require other evidence to support Your Claim.

A.2 Trip Curtailment

Please note: If You need to return to Your Country of Residence earlier than planned, You must contact the Assistance
Department immediately (please see the Medical and other emergencies section for further details).

What you are covered for

We will pay up to the amount shown in the table of benefits for:
• Travel and accommodation expenses which You have paid or have agreed to pay under a contract and which You cannot
get back;
• The cost of excursions, tours and activities which You have paid for either before You left Your Country of Departure or
those paid for locally upon Your arrival Overseas and which You cannot get back; and
• Reasonable additional travel costs to return back to Your Country of Residence if it is necessary and unavoidable for
You to cut short Your Trip.

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We will provide this cover if the cutting short of Your Trip is necessary and unavoidable as a result of the following:
1 You dying, becoming seriously ill or being injured.
2 The death, serious illness or injury of a Relative, a Travelling Companion or a Relative or friend living abroad who You
are staying with.
3 The death, serious illness (excluding communicable disease the outbreak of which is declared as an Epidemic or
Pandemic) of a Business Associate.
4 You or a Relative being diagnosed with a communicable disease the outbreak of which is declared an Epidemic or
Pandemic while travelling and need to return to Your Country of Residence earlier than planned.
5 An extension of the school year due to Epidemic or Pandemic, if You or a Relative is a full-time teacher, other full-time
employee, or a student at a primary or secondary school and is required to complete an extended school year that falls on
or beyond the departure date of Your Trip. This cover would apply only if such an Epidemic or Pandemic is declared so
by the World Health Organization.
6 If Your presence is required or the police or relevant authority need You to return to Your Country of Residence after a
fire, storm, flood, burglary or vandalism to Your Home or place of business.
7 If You are a member of the armed forces or police, fire, nursing or ambulance services which results in You having to
return to Your Country of Residence due to an unforeseen emergency or if You are posted Overseas unexpectedly.
8 You being made redundant, as long as You are entitled to payment under the current redundancy/unemployment
payments law and that, at the time of booking Your Trip, You had no reason to believe that You would be made
redundant.
9 You or a Travelling Companion are called for jury service (and Your request to postpone Your service has been
rejected) or attending court as a witness (but not as an expert witness).
10 If after the time You start Your Trip, an official governmental body of Your Country of Residence or Country of
Departure issues an advisory against travel to the city listed on Your Travel Itinerary.
11 If You become pregnant after the date You booked Your Trip and You will be more than 26 weeks pregnant at the start
of or during Your Trip. Or, if Your doctor advises that You are not fit to travel due to complications in Your pregnancy.
12 If You or other persons insured under this policy are hijacked.

What you are not covered for under section A.2

1 Cutting short Your Trip because of a medical condition or an illness related to a medical condition which You knew about
and which could reasonably be expected to lead to a Claim. This applies to You, a Relative, Business Associate or a
Travelling Companion, and any person You were depending on for the Trip.
2 Any Claims where the Assistance Department has not been contacted to authorise Your early return back to Your
Country of Residence
3 You being unable to continue with Your travel due to Your failure to obtain the passport or visa You need for the Trip.
4 The cost of Your original intended return travel to Your Country of Residence if We have paid additional travel costs for
You to cut short Your Trip.

Please note: We will calculate Claims for cutting short Your Trip from the day You return to Your Country of Residence or the
day You go into Hospital Overseas as an inpatient. Your Claim will be based solely on the number of complete days You have
not used.

If You have to cut short Your Trip and You do not return to Your Country of Residence, We will only be liable for the equivalent
costs which You would have incurred had You returned to Your Country of Residence.

Claims evidence required for section A.2

• Travel Itinerary
• Proof of travel cost (confirmation invoice, Flight tickets)
• Invoices and receipts for Your expenses
• An official letter confirming the need for Your return to Your Country of Residence or emergency posting Overseas

Please note: This is not a full list and We may require other evidence to support Your Claim.

SECTION B – PERSONAL BELONGINGS AND TRAVEL INCONVENIENCE

B.1. Personal Baggage

What you are covered for

We will pay for Your personal baggage, including items which are usually carried or worn by travelers for their individual use during
a Trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by You which are lost,
damaged, stolen or destroyed during Your Trip.

Please note:
• Payment will be based on the value of the property at the time it was lost, stolen or damaged. An allowance may need to
be made for wear, tear and loss of value depending on the age of the property.
• The maximum amount We will pay for any one item, Pair or Set of Items is noted in the table of benefits. Please refer to
the definition of ‘Pair or Set of Items’ in the General Definitions section.
• The maximum amount We will pay for Valuables in total is noted in the table of benefits. Please refer to the definition of
‘Valuables’ in the General Definitions section.

B.2. Delayed Baggage

What you are covered for

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We will pay up to the amount shown in the table of benefits for buying essential items if Your baggage is delayed in reaching You
on Your outward international journey for more than 12 hours.

Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and
You must keep all receipts for the essential items You buy.

If Your baggage is permanently lost, We will take any payment We make for delayed baggage from Your overall Claim for
baggage.

B.3. Personal Money

What you are covered for

We will pay up to the amount shown on the table of benefits for loss or theft, if You can provide evidence of the value (this would
include receipts, bank statements or cash-withdrawal receipts) of:
• Cash; and
• Travelers’ cheques (if these cannot be refunded by the provider).

Please note: The maximum amount We will pay for cash carried by one person, whether jointly owned or not, is the cash limit as
shown on the table of benefits (for Children under 16 years of age, a limit of £69 applies).

B.4. Loss of Passport and Travel Documents

What you are covered for

We will pay up to the amount shown in the table of benefits for the cost of replacing the following items belonging to You if they are
lost, damaged, stolen or destroyed during Your Trip:
• Passport;
• Travel tickets, admission tickets, hotel and other holiday vouchers;
• Visas.

Please note: The cost of replacing Your passport includes the necessary and reasonable costs You pay Overseas associated
with getting a replacement passport to allow You to return back to Your Country of Residence (this would include travel costs to
the local embassy as well as the cost of the emergency passport itself).

What you are not covered for under sections B.1 and B.4
1 The excess as shown in the table of benefits (this does not apply if You are claiming under section B2).
2 Property You leave unattended in a public place.
3 Any Claim for loss or theft to personal belongings and baggage which You do not report to the police within 24 hours of
discovering it and which You do not get a written police report for.
4 Any Claim for loss, theft, damage or delay to personal belongings and baggage which You do not report to the relevant
airline or transport company within 24 hours of discovering it and which You do not get a written report for. In the case of
an airline, a property irregularity report will be required. If the loss, theft or damage to Your property is only noticed after
You have left the airport, You must contact the airline in writing with full details of the incident within seven days of leaving
the airport and get a written report from them.
5 Any loss or theft of Your passport which You do not report to the consular representative of Your Home country within 24
hours of discovering it and get a written report for.
6 Any loss, theft or damage to Valuables which You do not carry in Your hand luggage while You are traveling.
7 Claims for which You do not provide receipts or other reasonable proof of ownership to the extent possible for the items
being claimed.
8 Breakage of fragile objects or breakage of sports equipment while being used.
9 Damage due to scratching or denting, unless the item has become unusable as a result of this.
10 Shortages due to variations in exchange rates.
11 If Your property is delayed or held as a result of Customs, the police or other officials legally holding it.
12 Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within Your
baggage.
13 Loss, theft or damage to contact or corneal lenses, dentures, hearing aids, paintings, bicycles and their accessories,
household equipment, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature
(meaning items that can decay or rot and will not last for long, for example, food).

Claims evidence for sections B.1 to B.4

• Travel Itinerary
• Loss or theft to property – police report.
• Loss, theft or damage by an airline – property irregularity report, Flight tickets and baggage check tags.
• Delay by an airline – written confirmation of the length of delay from the airline, Flight tickets, baggage check tags,
receipts for emergency purchases.
• Loss or theft of a passport – police report, consular report, receipts for additional expenses to get a replacement passport
Overseas.
• Proof of value and ownership for property.

Please note: This is not a full list and We may require other evidence to support Your Claim.

Important information
• You must act in a reasonable way and as if uninsured to look after Your property and not leave it unattended or
unsecured in a public place.

TRAVEL GUARD POLICY WORDING 12.2020 Page 13 of 29

 • You must carry Valuables, passports and Money with You when You are travelling. When You are not travelling keep
them with You or locked in a safety deposit box.
• You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24
hours of the incident.
• You must provide the Claims Department with all the documents they need to deal with Your Claim, including a police
report, a property irregularity report, receipts for the items being claimed as applicable.

B.5. Credit Card Benefit

We will pay, up to the amount shown in the table of benefits following Your death during Your Trip for the amount outstanding on
any credit card account in Your name.

B.6. Travel Delay and Abandonment

What you are covered for

We will pay up to the amount shown in the table of benefits if Your departure from Your Country of Departure by aircraft, sea
vessel, coach or train or any other mode of conveyance of public transport is delayed for more than 12 hours due to poor weather
conditions, a strike, industrial action or mechanical breakdown. We will pay a benefit for each complete 12-hour period that You are
delayed.

We will also pay up to the amount listed in the table of benefits if You fail any Epidemic or Pandemic related test or a medical
screening at the airport and as a result are required to abandon Your Trip.

If Your outward journey from Your Country of Departure is delayed by a minimum of 24 hours You can abandon Your holiday
and cancel Your Trip, You can Claim up to the amount shown on the table of benefits under section A1 Cancellation or under
Section A.2 Curtailment

What you are not covered for under section B.6

1 Any Claims where You have not checked in for Your Trip at the departure point or before the recommended time.
2 Any Claims where You have not obtained written confirmation from the appropriate transport company or authority stating
the reason for the delay and how long the delay lasted.
3 Delays caused by strike or industrial action which You were aware of at the time of booking Your Trip.
4 Any delay caused by Airspace Closure (see section G for Airspace Closure cover).

Claims evidence required for section B.6

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the cause and length of the delay

Please note: This is not a full list and We may require other evidence to support Your Claim.

B.7. Missed Departure

Specific definition relating to section B.7

Public Transport: A bus, coach, ferry, sea-vessel or train operating according to a published timetable or any other mode of
conveyance of Public Transport.

What you are covered for

We will pay up to the amount shown in the table of benefits for the reasonable extra costs of travel and accommodation You need
to arrive at Your booked holiday destination if You cannot reach the departure point on the outward or return travel from or to Your
Country of Departure because:
• Public Transport services (please refer to the definition of 'Public Transport' above) fail due to poor weather conditions,
a strike, industrial action or mechanical breakdown; or
• The vehicle in which You are travelling is directly involved in an Accident or suffers a mechanical breakdown or
immobilisation.

What you are not covered for under section B.7

1 Any Claims where You have not allowed enough time to reach Your departure point at or before the recommended time.
2 Any Claims relating to Your own vehicle suffering a mechanical breakdown if You are unable to provide evidence that the
vehicle was properly serviced and maintained.
3 Any delay caused by Airspace Closure.

Claims evidence required for section B.7

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• Invoices and receipts for Your expenses
• An official letter confirming the reason for Your late arrival and the length of the delay

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

B.8. Hijack and Kidnap

What you are covered for under this section

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We will pay up to the amount shown in the table of benefits if the aircraft or sea vessel or any other mode of conveyance in which
You are travelling is hijacked or kidnapped.

Claims evidence required for section B.8

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the length of the hijack

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

SECTION C – MEDICAL AND OTHER EXPENSES

C.1. Emergency Medical Expenses

Please note: If You are admitted into Hospital as an inpatient for more than 24 hours, You or someone acting on Your behalf
must contact the Assistance Department on Your behalf immediately.

What you are covered for

We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of You becoming ill
(including due to any Epidemic or Pandemic), being injured or dying during Your Trip. This includes:
1 Emergency medical, surgical and Hospital treatment and ambulance/transportation costs.
2 Emergency dental treatment up to £260 as long as it is for the immediate relief of pain only.
3 The cost of Your return to Your Country of Residence earlier than planned if this is medically necessary and the
Assistance Department approve this.
4 If You cannot return to Your Country of Residence as You originally planned and the Assistance Department approves
this, We will pay for:
a. Extra accommodation and travel expenses (economy class unless a higher grade of travel is confirmed as medically
necessary and authorised by the Assistance Department) including the cost of a medical escort, if necessary, to allow
You to return to Your Country of Residence; and
b. Extra accommodation and travelling costs for someone to stay with You and travel to Your Country of Residence
with You if this is necessary due to medical advice; or
c. Reasonable expenses for one Relative or friend to travel from Your Country of Residence to stay with You (room
only) and travel to Your Country of Residence with You if this is necessary due to medical advice.
5 We will pay up to £6,200 for the cost of returning Your body or ashes to Your Country of Residence or to the limit stated
in the table of benefits for the cost of the funeral and burial expenses in the country in which You die if this is outside Your
Country of Residence.
6 A single journey air ticket to enable a business colleague to replace You abroad if You need to return to Your Country of
Residence when recommended by a qualified Medical Practitioner or if You die during Your Trip.
7 A competent adult to accompany any of Your Children insured under this policy to Your Country of Residence and any
of their additional travelling costs, if there is no one else to look after them if You sustain accidental bodily injury or death
or suffer illness.
8 Food and non-alcoholic drink expenses that form part of Your Hospital costs, if You are kept as an inpatient.
9 Return of one (1) Travelling Companion and minor Children to Your Country of Residence.

Please note: If the Claim relates to Your return travel to Your Country of Residence and You do not hold a return ticket, We will
deduct from Your Claim an amount equal to Your original carriers published one way airfare (based on the same class of travel as
that paid by You for Your outward Trip) for the route used for Your return.

What you are not covered for under section C.1

1 Any medical treatment that You receive because of a Pre-existing Medical Condition or an illness related to a Pre-
existing Medical Condition which You knew about at the time of booking Your Trip and which could reasonably be
expected to lead to a Claim. This exclusion does not apply to Claims resulting from a reinfection of communicable
disease the outbreak of which is declared an Epidemic or Pandemic.
2 Any costs relating to pregnancy, if You are more than 26 weeks pregnant at the start of or during Your Trip.
3 Any treatment or surgery which the Assistance Department thinks is not immediately necessary and can wait until You
return to Your Country of Residence. The decision of the Assistance Department is final.
4 The extra cost of a single or private Hospital room unless this is medically necessary.
5 Any search and rescue costs (costs charged to You by a government, regulated authority or private organization
connected with finding and rescuing an individual. This does not include medical evacuation costs by the most appropriate
transport).
6 Any costs for the following:
a. Telephone calls (other than the first call to the Assistance Department to notify them of the medical problem);
b. Taxi fares (unless a taxi is being used in place of an ambulance to take You to or from a Hospital); and
c. Food and drink expenses (unless these form part of Your Hospital costs if You are kept as an inpatient).
7 Any medical treatment and associated costs You have to pay if You have refused to come back to Your Country of
Residence and the Assistance Department deemed You were fit to travel.
8 Any treatment or medication of any kind that You receive after You return to Your Country of Residence.

In addition, please refer to the General Exclusions section, General Exclusion 1a to 1e.

C.2. Hospital Daily Cash Benefit

What you are covered for

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We will pay up to the limit shown in the table of benefits if, after an Accident or illness that is covered under section C1 (Medical
and other expenses) of this insurance, You go into Hospital Overseas as an inpatient. We will pay up to the limit shown in the
table of benefits for each complete 24-hour period that You are kept as an inpatient.

Please note: This benefit is only payable for the time that You are kept as an inpatient abroad and ceases if You go into Hospital
upon Your return to Your Country of Residence. This amount is meant to help You pay any extra expenses such as taxi fares
and phone calls.

Claims evidence required for sections C.1 and C.2

• Travel Itinerary
• Proof of travel (confirmation invoice, travel tickets)
• Invoices and receipts for Your expenses
• An official letter from the treating doctor in the resort to confirm the additional expenses were medically necessary
• Proof of Your Hospital admission and discharge dates and times.

Please note: This is not a full list and We may require other evidence to support Your Claim.

C.3. Overseas Quarantine Allowance

Please note: This benefit is only payable for the time that You are placed into an unexpected mandatory Quarantine Overseas and
ceases if You are required to Quarantine upon Your return to Your Country of Residence. This amount is meant to help You pay
reasonable and necessary accommodation costs directly related to Your Quarantine.

What You are covered for

We will pay up to the amount shown in the table of benefits if while on an Overseas Trip, You are unexpectedly placed into a
mandatory Quarantine outside Your Country of Residence by an order of a governmental body for one of the following two reasons:
• You test positive for a communicable disease the outbreak of which is declared an Epidemic or Pandemic; or
• Such governmental body identifies You or any Travelling Companion, specifically, as having been exposed to a
communicable disease the outbreak of which is declared an Epidemic or Pandemic.

We will pay to cover reasonable and necessary accommodation costs directly related to such Quarantine up to the amount specified
in the Table of Benefits for up to 14 consecutive days.

What you are not covered for under section C.3

In addition to the exclusions set out in the General Exclusions section, this policy does not cover any loss or expenses arising out of,
based upon, or attributable to any Quarantine mandate that generally or broadly applies to:
• all arriving/transiting passengers, or all arriving/transiting passengers from a particular geographic area of origin
• all individuals currently located in a particular geographic area
• all passengers, or a sub-group of passengers that is broader than just You and Your Travelling Companion(s), in any
Common Carrier

Please note: The conditions set out in the General Conditions section apply to all benefit sections.

Claims evidence required for Section C.3 may include

• Proof of a positive medical test, if applicable
• Proof of a Quarantine mandate issued by a governmental body to You
• Proof of Your Hospital admission and discharge dates and times
• Proof of travel (confirmation invoice, travel tickets)

Please note: We may require other evidence to support Your Claim depending on the circumstances, in which case We will request
this from You.

C.4. Emergency Return Home and Resumption of Journey

What you are covered for

We will pay the reasonable extra expenses, (less any refund You are due to receive for the unused prepaid travel and
accommodation arrangements) to complete Your original travel arrangements, if they are interrupted by Your necessary return to
Your Country of Residence, owing to the death or serious illness of a Relative or damage to or a burglary at Your Home during
Your Trip. You must have 75% of Your original Trip duration still left to run at the point in time You are ready to resume Your
journey.

We will pay Your reasonable extra expenses, up to £3,400, less any refund You are due to receive for the unused prepaid travel
and accommodation arrangements, to complete Your original pre-booked travel arrangements, if Your Trip is interrupted after
departure owing to Your or a Relative’s exposure to any communicable disease the outbreak of which has been declared an
Epidemic or Pandemic leading to Quarantine.

Claims evidence required for section C.4

• Travel Itinerary
• Proof of travel (confirmation invoice, travel tickets)
• Invoices and receipts for Your expenses

C.5. Pre-Travel Assistance

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The following services are assistant services not insurance benefits.

Please note: This section describes assistance service available to You – not insurance benefits (which are described in sections
of this policy). Expenses incurred in connection with these assistance services, are the responsibility of the Insured Person,
except to the extent coverage may be available under the insurance sections of the policy.

We will provide You with advice and information before You travel on:
• Current visa and/or entry permit requirements.
• Current inoculation or vaccination requirements.
• Current World Health Organization warnings.
• Weather conditions.
• Languages.
• Time zones and differences.
• Motoring regulations and restrictions, including documentation requirements.
• Other motoring insurance issues.
• Main bank opening hours, national or bank holidays.

C.6. During-Travel Assistance

The following services are assistant services not insurance benefits.

Please note: This section describes assistance service available to You – not insurance benefits (which are described in the
insurance sections of this policy). Expenses incurred in connection with these assistance services, are the responsibility of the
Insured Person, except to the extent coverage may be available under the insurance sections of the policy.

Emergency Medical Payments - If a Hospital demands a cash deposit or settlement prior to leaving, We will assist in arranging
the advancement of funds to cover on-site medical expenses.
Prescription Assistance – We can arrange the replacement of lost or stolen medication through a local pharmacy or by special
courier.
Transportation of Dependents - In the event of hospitalisation, arrangements will be made for unattended minors travelling with
You to be flown to Your Country of Residence.
Travel Documents Assistance – The Assistance Department will help retrieve, report, and reissue lost or stolen travel
documents.
Emergency Message Center - Transmission of emergency messages to family and Business Associates.
Interpretation Services - We provide emergency language support or referral to the appropriate local services.
Emergency Cash Transfer - If You need Money urgently and access to Your normal financial or banking arrangement is not
available locally We will transfer emergency funds intended to cover Your immediate emergency needs to You if You allow Us to
debit a credit or charge card, or arrange for funds to be deposited with Us in Your Country of Residence. The most We will
transfer per Trip is £690.
Denied boarding due to fever or other medical concern - An Assistance Department staff member will be available to discuss
next steps and options. If necessary, We will provide assistance with making a medical appointment, booking hotel accommodation
and/or return Flight to Country of Residence when You are medically cleared to fly.
Denied entry to country due to fever or other medical concern - We will provide assistance with making a medical
appointment, booking hotel accommodation and/or a return Flight to Your Country of Residence when You are medically cleared
to fly.
Feeling ill while travelling internationally (To access benefits, You must contact Our Assistance Department immediately) - An
Assistance Department staff member will be available to discuss Your options. We will provide assistance with making a medical
appointment, booking hotel accommodation and/or return Flight to Your Country of Residence when You are medically cleared
to fly.

C.7. Concierge Service

The Assistance Department can help You with arranging Your travel plans. They can assist with booking tickets and making
reservations for the following:
• Ground transportation coordination
• Latest worldwide weather
• Rental car reservations
• Accommodations (hotel, condo, etc.) reservations
• Rail and air reservations
• Private car hire arrangements

Please note: The Assistance Department will only assist You in making the above arrangements. Expenses incurred in connection
with these assistance services, are the responsibility of the Insured Person, except to the extent coverage may be available under
the insurance sections of the policy.

SECTION D – PERSONAL ACCIDENT

Specific Definition relating to section D – Personal Accident.

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Accident: A sudden, unexpected, unusual, specific and external event that occurs at a specific time during Your Trip and results
in an injury that is not caused by illness, sickness or disease.

What you are covered for

We will pay up to the amount shown in the table of benefits to You or Your executors or administrators if You are involved in an
Accident during Your Trip which solely and independently results in one or more of the following within 12 months of the date of
the Accident.
• Death.
• Permanent total disablement (meaning a disability which prevents You from working in any job which You are suitably
qualified for and which lasts 12 months from the date of the Accident and, at the end of those 12 months, is in Our
medical advisor’s opinion, not going to improve.)
• Complete loss of limb (meaning permanent loss by physical separation at or above the wrist or ankle or permanent and
total loss of use of a limb). A limb means an arm, hand, leg or foot.
• Loss of sight in one or both eyes (meaning physical loss of an eye or the loss of a substantial part of sight of an eye). A
substantial part means the degree of sight after the Accident is 3/60 or less on the Snellen scale after correction with
spectacles or contact lenses. (At 3/60 on the Snellen scale something can be seen at 3 foot which should be seen at 60
foot.)

We will only pay for one personal Accident benefit for each Insured Person during the period of insurance shown on Your Travel
Itinerary.

What you are not covered for under section D

1 Any Claim arising from illness, sickness or disease which develops or worsens during Your Trip and results in Your
death or disablement.

Claims advice for section D

• Please phone the Claims Department using the relevant phone number provided on page 2 of this document to ask for
advice.

SECTION E – OTHERS
E.1. Personal Liability

What you are covered for

We will pay up to the total amount shown in the table of benefits if, within Your Trip, You are legally liable for accidentally:
• injuring someone; or
• damaging or losing someone else’s property.

We also will pay Your legal defence costs and expenses associated with any such legal action if You are found legally liable; such
payments are included in and subject to the total amount shown for Personal Liability in the table of benefits.

If You die, cover under this Section is automatically transferred to Your legal representative provided that such representative
follows the terms and conditions of this policy as far as they can.

What you are not covered for under section E.1.

1 Any liability arising from an injury or loss or damage to property owned by You, a Relative, member of Your household or
a person You employ; or
2 Any liability for death, disease, illness, injury, loss or damage:
a. to a Relative, member of Your household or a person You employ;
b. arising in connection with Your trade, profession or business;
c. arising in connection with a contract You have entered into unless such liability would incur in the absence of such
contract;
d. arising due to You acting as the leader of a group taking part in an organized activity;
e. arising due to You owning, possessing, using or living on any land or in buildings, except temporarily for the purposes
of the Trip; or
f. arising due to You owning, possessing or using mechanically propelled road-registered passenger-carrying or goods-
carrying vehicles, ocean-going vessels watercraft or aircraft of any description, firearms or weapons.

Important information
• You must give the Claims Department notice of any cause for a legal claim against You as soon as You know about it,
and send them any documents relating to a claim
• You must help the Claims Department and give them all the information they need to allow them to take action on Your
behalf
• You must not negotiate, pay, settle, admit or deny any claim unless You get the Claims Department’s permission in
writing
• We will have complete control over any legal representatives appointed and any proceedings, and We will be entitled to
take over and carry out in Your name Your defense of any claim or to prosecute for Our own benefit any claims for
indemnity, damages or otherwise against anyone else

Claims advice on section E.1

• Do not admit liability, offer or promise compensation
• Give details of Your name, address and travel insurance

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 • Take photographs and videos, and get details of witnesses if You can
• Tell the Claims Department immediately about any claim that is likely to be made against You and send them all the
documents that You receive

E.2. Legal Expenses

What you are covered for

We will pay up to the amount shown in the table of benefits for legal costs and expenses incurred to pursue claims against third
parties for compensation and damages resulting from Your death, illness or injury during Your Trip.
Any extra travelling expenses, up to a maximum of £340 per person if You have to attend court outside Your Country of
Residence about Your claim for compensation and damages.

What you are not covered for under section E.2

1 Any claim which We have not agreed to accept beforehand in writing.
2 Any claim which We or Our legal representative believe that an action is not likely to be successful or if We believe that
the costs of taking action will be greater than any award.
3 The costs of making any claim against Us, Emirates, Our agents or representatives, or against any tour operator,
accommodation provider, carrier or any person who You have travelled with or arranged to travel with.
4 Any fines, penalties or damages You have to pay.
5 The costs of pursuing a claim for bodily injury, loss or damage caused by or in connection with Your trade, profession or
business, under contract or arising out of You possessing, using or living on any land or in any buildings.
6 Any claims arising out of You owning, possessing or using mechanically propelled road-registered passenger-carrying or
goods-carrying vehicles, watercraft or aircraft of any description, firearms or weapons.
7 Any Claim reported more than 180 days after the incident leading to the claim took place.

Important information
• We will have complete control over any legal representatives appointed and any proceedings.
• You must follow Our advice or that of Our agents in handling any Claim.
• You must get back all of Our expenses where possible. You must pay Us any expenses You do get back.

Claims advice on the section

• Please phone the Claims Department using the relevant phone number provided on page 2 of this document to ask for
advice.

E.3. Bail Bond Advance

What you are covered for

We will advance up to the amount shown in the table of benefits towards Your bail bond if You are imprisoned following a traffic
accident.

Important information
• You must reimburse Us within a period of 3 months from the date of the advance.
• If You are summoned to appear in court but do not appear, We may immediately demand reimbursement of the bail bond
if it is irrecoverable as a result of You not attending.
• We may institute legal proceedings against You if this bail bond is not recovered.

What you are not covered for under section E.3

We will not pay for any Claim if the level of alcohol in Your blood or breath was in excess of the legal limit in the country where the
traffic accident occurred.

E.4. Pet Care -Kennel and Cattery

What you are covered for

We will pay up to the amount shown in the table of benefits for extra kennel or cattery fees if You are hospitalised for medical
treatment which is covered by this policy during Your insured Trip or any other circumstances outside of Your control which results
in a delay to Your planned return journey to the Your Country of Residence of more than 24 hours, or if Your final booked return
international journey by aircraft, sea vessel, coach or train is delayed due to poor weather conditions, a strike, industrial action or
mechanical breakdown or any other circumstances outside of Your control.

We will pay up to the amount listed in the table of benefits for extra kennel fees if You are hospitalised for a communicable disease
the outbreak of which is declared an Epidemic or Pandemic during Your Trip, resulting in a delayed return.

Please note: In the event You should need to submit a Claim due to a delay in Your return travel due to transport failure, You
must get written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the
delay lasted. You must keep all receipts for the extra kennel or cattery fees You pay.

What you are not covered for under section E.4

1 Any kennel or cattery fees You pay outside Your Country of Residence as a result of Quarantine regulations.
2 Any Claims relating to travel delay where You have not checked in for Your Trip at the departure point at or before the
recommended time.

Claims evidence required for section E.4

• Travel Itinerary

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 • Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the cause and length of the delay
• Invoices and receipts for Your extra kennel or cattery fees

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

E.5. Catastrophe Cover

What you are covered for

We will pay up to the amount shown in the table of benefits if, after You have commenced Your Trip, You incur additional travel
and/or accommodation expenses to allow You to continue with Your Trip if You cannot live in Your original booked
accommodation because of fire, flood, earthquake, storm, hurricane, tornado, rain, wind, weather conditions, lightening, explosion,
outbreak of an Epidemic or Pandemic, volcanic eruption, tsunami, rockslide, landslide and avalanche.

Please note: You must get written confirmation from the appropriate authority stating the nature of the disaster and how long the
disaster lasted. You must keep all receipts for the extra expenses You pay.

What you are not covered for under section E.5

1. Any expenses that You can get back from Your tour operator, airline, hotel or other service provider.
2. Any Claim resulting from You travelling against the advice of the appropriate national or local authority.

Claims evidence required for section E.5

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the cause and length of the delay
• Invoices and receipts for Your extra kennel or cattery fees

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

E.6. Mugging Cover

Specific Definition relating to section E.6 – Mugging Cover.

Mugging: a violent, unprovoked attack by someone not insured on this policy which results in physical bodily harm, as shown in
the police report.

What you are covered for

We will pay up to the amount shown in the table of benefits if You are injured as a result of a
Mugging and You go into Hospital Overseas as an inpatient for more than 24 hours.

Please note: You must report the incident to the local police within 24 hours of the attack and get a written police report. Payment
under this section is in addition to the benefit payable under section C2 (Hospital benefit).

Claims evidence required for section E.6

• Travel Itinerary
• Proof of travel (confirmation invoice, travel tickets)
• Invoices and receipts for Your expenses
• Proof of Your Hospital admission and discharge dates and times
• A police report to confirm the incident

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

E.7. Collision Damage Waiver

What you are covered for

We will reimburse You for any excess or deductible You are responsible for under the car rental agreement, in respect of loss or
damage to a motor vehicle rented by You, as the result of an Accident during Your Trip.

The rental vehicle must be rented from a licensed rental agency. As part of the hiring arrangement, You must take out all
comprehensive motor insurance against loss or damage to rental vehicle during the rental period.

In the event of a Claim, You are obligated to pay the Rental Vehicle Company Excess in the first instance directly to the hire car
company, and it is Your responsibility to supply a final loss/repair account to substantiate Your actual financial loss.

What you are not covered for under Section E.7.

1. Loss or damage arising from operation of the rental vehicle in violation of the terms of the rental agreement or loss or damage
which occurs beyond the limits of any public roads or in the violation of laws, rules and regulations of the country.
2. Loss or damage arising from wear and tear, gradual deterioration, insects or vermin, inherent vice, latent defect or damage

E.8. Domestic Trips

Specific Definitions relating to section E.8. Domestic Trips

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Domestic Trip: Travel undertaken by You during the period of insurance for the purpose of leisure and/or business travel which:
1. is within Your Country of Residence;
2. is beyond 50 kilometres from Your Home; and
3. excludes any commute to and from Your regular place of employment or work.

This definition must be read in conjunction with “Covered Trips and Durations” above. This section does not apply to one-way
Trips.

Please note: Cover starts when You leave Your Home for Your Domestic Trip and ends when You return Home.

What you are covered for:

The following cover is provided for Domestic Trips within Your Country of Residence, provided Your Domestic Trip is pre-
booked for 3 or more consecutive nights and includes pre-paid accommodation.

Section A.1. Trip Cancellation

Section A.2. Trip Curtailment

Please note: The Assistance Department must be contacted to make arrangements for travel back to Your Home.

Section B.1. Personal Baggage

Section B.3. Personal Money

See relevant Sections of cover for full details of what is and is not covered.

What you are not covered for under Section E.8.

1 any Claim for which the Trip is for less than 3 consecutive nights
2 any Claim when We have not been contacted immediately prior to or when You were hospitalised
3 any Claim for which We have not given Our permission before any costs were incurred
4 Pre-existing Medical Conditions
5 anything specifically excluded under each section of this policy.
6 The cost of medical expenses

Section C.1. Emergency Medical Expense

If You suffer injury or illness while on a Domestic Trip in Your Country of Residence or Your Country of Departure and have to
stay as an inpatient for more than 24 hours in a row, We will:
1 arrange and pay for You to be transferred to a Hospital near to Your Home.
2 pay for the additional travelling and accommodation costs for one person to come and stay with You and/or accompany
You Home.

Please note: If You are admitted into Hospital as an inpatient for more than 24 hours You or someone acting on Your behalf must
contact the Assistance Department on Your behalf immediately.

SECTION F – WINTER SPORTS COVER

Specific Definitions relating to section F Winter Sports

Winter Sports: Bigfoot skiing, cross country skiing, dry slope skiing/boarding, glacier skiing, glacier walking (up to 4,000 meters),
husky sledge rides, ice climbing, ice curling, ice diving, ice skating on a recognized rink, langlauf, mono skiing, ski biking/snow
biking, ski blading/snow blading, ski racing, ski touring, ski-dooing, skiing, snowboarding, speed skating, and tobogganing.

See page 23 for a full listing of Winter Sports that can be covered under this policy.

Winter Sports Equipment: Skis and snowboards and their bindings, ski poles and ice skates.

F.1. Winter Sport Equipment loss

What you are covered for

We will pay up to the amount shown in the table of benefits for Winter Sports Equipment owned or hired by You which is lost or
stolen during Your Trip.

Please note:
An allowance will be made for wear, tear and loss of value on Claims made for Winter Sports Equipment owned by You as
follows:
Up to 12 months old - 90% of the purchase price
Up to 24 months old - 70% of the purchase price
Up to 36 months old - 50% of the purchase price
Up to 48 months old - 30% of the purchase price
Up to 60 months old - 20% of the purchase price
Over 60 months old - 0%

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The maximum amount We will pay for any one item, Pair or Set of Items is shown in the table of benefits. Please refer to the
definition of 'Pair or Set of Items'.

F.2. Winter Sports Equipment Hire

What you are covered for

We will pay up to the amount shown in the table of benefits for the cost of hiring Winter Sports Equipment if, during Your outward
Trip from Your Country of Departure, Winter Sports Equipment owned by You is:

• Delayed in reaching You for more than 12 hours; or

• Lost, stolen or damaged during Your Trip.

Please note: You must keep all receipts for the Winter Sports Equipment that You hire. You must bring any damaged Winter
Sports Equipment back to Your Country of Residence for inspection.

F.3. Ski-Pack

What you are covered for

We will pay up to the amount shown in the table of benefits for the loss or theft of Your lift pass. Claims will be calculated
according to the expiry date of the lift pass - depending upon how many days there were left to run on the original lift pass, an
unused pro-rata refund would be made of its original value.

What you are not covered for under sections F.1, F.2, and F.3
1 Any Claim for loss or theft which You do not report to the police within 24 hours of discovering it and which You do not
get a written police report for.
2 Any Claim for loss, theft, damage or delay to Winter Sports Equipment which You do not report to the relevant airline or
transport company within 24 hours of discovering it and which You do not get a written report for. In the case of an airline,
a property irregularity report will be required. If the loss, theft or damage to Your Winter Sports Equipment is only
noticed after You have left the airport, You must contact the airline in writing with full details of the incident within seven
days of leaving the airport and get a written report from them.
3 Winter Sports Equipment You have left unattended in a public place unless the Claim relates to skis, poles or
snowboards and You have taken all reasonable care to protect them by leaving them in a ski rack between 8am and 6pm.
4 Claims for which You are unable to provide receipts or other reasonable proof of ownership wherever possible for the
items being claimed.

Claims evidence required for sections F.1, F.2, and F.3

• Travel Itinerary
• Loss or theft - police report
• Loss, theft or damage by an airline - property irregularity report, Flight tickets and baggage check tags
• Delay by an airline - written confirmation of the length of delay from the airline, Flight tickets, baggage check tags,
receipts for the hire of Winter Sports Equipment
• Proof of value and ownership

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

F.4. Piste Closure

Please note: This section only applies between 1 December and 15 April for travel to the Northern Hemisphere or between 1 May
and 30 September for travel to the Southern Hemisphere.

What you are covered for

We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in Your
booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either:
• the cost of transport to the nearest other resort; or
• a benefit for each complete 24-hour period that You are not able to ski and there is no other ski resort available.

Please note: You must get written confirmation from the management of the resort stating the reason for the closure and how long
the closure lasted.

Claims evidence required for section F.4

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the cause and length of the closure
• Receipts for Your travel expenses if You travel to the nearest resort

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

F.5. Avalanche Cover

What you are covered for

We will pay up to the amount shown in the table of benefits if You are prevented from arriving at or leaving Your booked ski resort
for more than 12 hours from the scheduled arrival or departure time because of an avalanche.

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Please note: You must get written confirmation from the appropriate authority stating the reason for the delay and how long the
delay lasted.

Claims evidence required for section F.5

• Travel Itinerary
• Proof of travel (confirmation invoice, Flight tickets)
• An official letter confirming the cause and length of the delay

Please note: We may require other evidence to support Your Claim dependent upon the circumstances.

SECTION G – AIRSPACE CLOSURE COVER

Please note: If at the time of booking Your Trip, You are due to depart on Your Trip within the next 7 days, and You are aware of
circumstances that could lead to an Airspace Closure that will directly disrupt Your travel plans (for example a volcanic eruption),
the amounts in the table of benefits will be reduced by 75%.

G.1. Cancellation

We will pay up to the amount shown in the table of benefits for:

• travel and accommodation expenses which You have paid or have agreed to pay under a contract;
• the cost of excursions, tours and activities which You have paid or agreed to pay under a contract; and
• the cost of visas which You have paid for
if Your departure is delayed by more than 24 hours due to Airspace Closure and it becomes reasonable and necessary for You to
cancel Your Trip.

G.2. Additional expense if you are stranded at the point of departure

If You have checked in prior to departure on the outward part of Your Trip from Your Country of Departure and Your departure
is delayed by more than 24 hours due to Airspace Closure, We will pay You up to the amount shown on the table of benefits for
reasonable additional and unexpected costs of:
• Accommodation
• Making alternative travel arrangements to return to Your initial point of departure
• Food and drink
• Necessary emergency purchases that You may incur for the first 24 hours You are stranded, waiting to depart.

If You are still unable to depart on Your Trip after 24 hours, You may submit a Claim under section G.1. Cancellation.

Please note: If You are unable to check in, You may still be eligible to make a Claim depending on the circumstances which have
prevented You from checking in. Please contact the Claims Department to discuss Your circumstances and to obtain a claim form
so Your Claim can be considered.

G.3. Additional costs to reach your destination

If, after You have been delayed by 24 hours in Your Country of Departure due to an Airspace Closure, You still decide to go on
Your Trip, We will pay up to the amount shown in the table of benefits, for the additional and unexpected costs You incur
rearranging Your outbound travel to reach Your original destination.

G.4. Additional expense if you are stranded on an international connection

We will pay up to the amount shown in the table of benefits if Your international connection is delayed by more than 24 hours due
to Airspace Closure for reasonable additional and unexpected costs of:
• Accommodation
• Travel to an alternative point of departure and/or to alternative accommodation
• Travel from Your accommodation to Your point of intended departure
• Food and drink
• Necessary emergency purchases
that You may incur for up to 5 days, whilst You are stranded, waiting to make Your international connection. Please note that
there is an aggregate maximum of 5 days cover throughout the duration of Your Trip.

G.5. Additional expense if you are stranded on your return journey

We will pay up to the amount shown in the table of benefits if Your return journey to Your Final Destination is delayed by more
than 24 hours due to Airspace Closure for reasonable additional and unexpected costs of:
• Accommodation
• Travel to an alternative point of departure and/or to alternative accommodation
• Travel from Your accommodation to Your point of intended departure
• Food and drink
• Necessary emergency purchases
that You may incur for up to 5 days whilst You are stranded, waiting to return to Your Country of Residence. Please note that
there is an aggregate maximum of 5 days cover throughout the duration of Your Trip.

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G.6. Additional travel expense to get you to your final destination

If Your return journey to Your Final Destination is delayed by more than 24 hours due to Airspace Closure and the carrier on
which You are booked to travel to Your Final Destination is unable to make arrangements for Your return journey within 72 hours
of Your original date of return, as shown on Your Travel Itinerary, We will pay up to amount shown on the table of benefits for
alternative travel arrangements to get You to Your Final Destination.

You must contact the Assistance Department before making alternative travel arrangements, because if appropriate under the
circumstances, they will make these arrangements for You.

If Your Trip involves multiple destinations, cover under this section applies if Your onward connection is delayed by more than 24
hours due to Airspace Closure. You must contact the Assistance Department before making alternative travel arrangements,
because if appropriate, they will make these arrangements for You. The Assistance Department will decide under the
circumstances whether to bring You to Your Country of Residence or rearrange Your onward journey to Your Final Destination.

G.7. Additional car parking costs

We will pay up to the amount shown on the table of benefits for additional car parking costs You incur if Your return to Your
Country of Departure is delayed by more than 24 hours due Airspace Closure.

G.8. Additional kennel or cattery fees

We will pay up to the amount shown on the table of benefits for additional kennel or cattery fees if Your return journey to Your
Country of Departure is delayed by more than 24 hours due Airspace Closure.

Special conditions which apply to Sections G

1 We will only pay costs which are not recovered from any other source, for example an airline or a tour operator.
2 The insurance under this section G does not cover any expenses met by the airline under Regulation 261/2004.
3 All additional expenses must be reasonable and necessary and incurred as a direct result of an Airspace Closure. For
example, if You live near Your departure point, We may deem additional accommodation unnecessary and unreasonable
if You could easily return to Your Home.
4 We may ask You to provide an official letter from Your carrier confirming the cause and length of the delay.
5 You must contact the Assistance Department before making arrangements to return to Your Country of Residence.

What you are not covered for under Sections G

1. Any Claim relating directly or indirectly to:
(a) an Epidemic or Pandemic
(b) any disease (including any mutation, strain, or variation of any such disease) or event declared by the World
Health Organization as a public health emergency of international concern; or
(c) the threat or fear of any such Epidemic or Pandemic, disease or event.

Claims evidence required by us in support of a claim

• We will require Your Travel Itinerary along with proof of Your original travel plans (for example, confirmation invoice or
travel tickets).
• For Claims under section G.1 We will require cancellation invoices or letters from Your tour operator, travel or
accommodation provider confirming that You did not use their service and whether any refund is due to You from them.
• You must provide proof of all Your additional expenses (for example, receipts for food and drink, invoices detailing
additional accommodation, receipts for additional car parking).
• If required by Us We may ask You to provide an official letter from Your carrier confirming the cause and length of the
delay.

Please note: We may request other evidence to support Your Claim dependent upon Your circumstances.

SPORTS AND ACTIVITIES LISTING

Where cover is provided in the table below this is on the basis that:
• You follow the safety guidelines and where applicable use recommended safety equipment; and
• The activity is not undertaken on a professional basis.

Activity &
Name of Activity (Activities marked with Activity Winter Sports
Winter Sports Applicable condition
an * are considered to be Winter Sports) Covered Covered
Excluded
Abseiling + Must be with professional organisers
Adventure Racing +
Aerobics +
Air Boarding +
Alpine Mountain Biking +
Cover provided if part of a non-
Amateur Athletics + professional tournament or
competition
American Football +

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 Angling +
Archery +
Assault Courses +
Badminton +
Bamboo Rafting +
Banana Boating +
Base Jumping +
Baseball +
Basketball +
Must be with professional organisers.
Battle Re-enactment +
Excludes the use of live ammunition
Beach Games +
Biathlon +
Big Game Hunting +
Bigfoot Skiing * +
Black Water Rafting +
BMX Riding - stunt / obstacle +
Boardsailing / Windsurfing +
Bobsleigh +
Body Boarding / Boogie Boarding +
Body Flying / Wind Tunnel Flying +
Bouldering +
Bowling +
Bowls +
Boxing +
Breathing Observation Bubble Diving (to 30
+
metres)
Bridge Swinging +
Must be adequately supervised and
Bridge Walking +
full safety equipment used
Bungee Jumping + Maximum of 3 jumps in any one trip
Camel Riding +
Canoeing (river - not white water) +
Canopy Walking / Tree-Top Walking +
Canyoning +
Cascading +
Cat Skiing / Boarding * +
Catamaran Sailing +
Cave Tubing / River Tubing +
Caving / Pot Holing +
Charity Work / Conservation Work + Excludes working with wild animals
Clay Pigeon Shooting + No Personal Liability cover
Cliff Jumping +
Climbing (indoor) +
Climbing / Mountaineering (up to 4,000
+
metres using guides and ropes)
Coasteering +
Cover provided if part of a non-
Cricket +
professional tournament
Croquet +
Cross Country Running +
Cross Country Skiing * +
Curling +
On recognised routes, no racing or
Cycling +
mountain biking
Dancing + Must be non-professional
Darts +
Deep Sea Fishing +
Dinghy Sailing + Within coastal waters
Diving (High Diving) +
Dog Sledding +
Drag Racing +
Dragon Boating +
Dry Slope Skiing / Boarding +
Dune / Wadi Bashing +
Elephant Trekking + Must be with official organisers
Endurance Tests +
Equestrian Events +
Expeditions +
Fell Running +
Fell Walking +

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 Must be wearing appropriate safety
Fencing +
equipment
Fishing +
Fives +
Flying as a non-fare-paying passenger in a
+
private aircraft or helicopter
Flying as a pilot or trainee pilot in a private
+
aircraft or helicopter
Cover provided if part of a non-
Football – American +
professional tournament
Cover provided if part of a non-
Football / Soccer +
professional tournament
Free Mountaineering +
Freestyle Skiing * +
Glacier Skiing * +
Glacier Walking up to 4,000 metres* +
Gliding + No Personal Liability cover
Go-Karting +
Golf +
Gorge Scrambling +
Gorge Swinging / Canyon Swinging +
Gorge Walking +
Gorilla trekking + Must be with official organisers
Gymnastics + Provided not professional
Handball +
Hang Gliding +
Harness Racing +
Heli-skiing * +
High Diving + (5 metres or over)
Hiking (below 4,000 metres) +
Cover provided if part of a non-
Hockey +
professional tournament
Horse Jumping +
Horse Racing +
Must be wearing a hard hat if
Horse Riding (not polo, jumping or hunting) +
available
Organised pleasure rides as fare
Hot Air Ballooning +
paying passenger only
Hunting on horse back +
Cover provided if part of a non-
Hurling +
professional tournament
Organised and non- competitive with
an experienced local driver. Insured
Husky Sledge Rides * + can drive the dogs themselves if
supervised by an experienced local
driver
Hydro Speeding +
Must be adequately supervised and
Ice Climbing * +
full safety equipment used
Ice Curling * +
Ice Diving * + Must be with official organisers
Ice Hockey * +
Ice Skating on a recognised rink * +
Ice Speedway +
Inline Skating +
Jet Boating + No Personal Liability cover
Jet Biking + No Personal Liability cover
Jet Skiing + No Personal Liability cover
Jogging +
Jousting +
Judo +
Karate +
No cover kayaking in grade 5 waters
Kayaking (up to grade 4 rivers only) +
and above
Kendo +
Kite Buggying + No Personal Liability cover
Kite Skiing * +
Kite Snowboarding * +
Kite Surfing (over land) + No Personal Liability cover
Kite Surfing (over water) + No Personal Liability cover
Kloofing +

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 Korfball +
Lacrosse +
Langlauf * +
Luging/Bobsleigh +
Marathon Running +
Martial Arts +
Mono Skiing * +
Motocross +
Motor Cycle Racing +
Motor Racing +
Motor Rallies +
Mountain Biking (competitive) +
Must be on recognised routes. No
Mountain Biking (recreational) + cover for downhill racing, biking on
vertical paths or competitions.
Mountain Boarding +
Mountaineering +
Mud Buggying + No Personal Liability cover
Netball +
Off Piste Skiing (within local ski patrol
+
guidelines) *
Off Piste Snowboarding (within local ski
+
patrol guidelines) *
Orienteering +
Ostrich Riding +
Outdoor Endurance Events +
Must wear eye protection. No
Paintballing +
Personal Liability cover
Parachute Jumping (static line) +
Parachute Jumping (tandem) +
Paragliding +
Parapenting + Must be adequately supervised
Parascending / Parasailing (over land) +
Parascending / parasailing (over water) +
Pistol Shooting +
Polo +
Pony Trekking + Must wear hard hat if available
Pool +
Pot Holing +
Powerboat Racing +
Power lifting +
Professional Sports of any kind +
Quad Biking +
Racquetball +
Rackets +
Rafting +
Rambling +
Rap Jumping +
Refereeing + Must be on an amateur basis
Reverse Bungee Jumping + Maximum of 3 jumps in any one trip
Rifle Shooting +
Ringos / Doughnuts +
River Bugging +
Rock Climbing - solo / freestyle / without
+
ropes over 20 foot
Rock Scrambling +
Rodeo +
Roller Blading / Skating +
Roller Hockey +
Rounders +
Rowing +
Cover provided if part of a non-
Rugby +
professional tournament
Running (not long distance) +
Running with Bulls +
Must be organised by bona fide tour
Safari (no guns) +
operator
Safari (with guns) +
Must be organised by bona fide tour
Safari Trekking in a Vehicle +
operator
Safari Trekking on Foot + Must be organised by bona fide tour

TRAVEL GUARD POLICY WORDING 12.2020 Page 27 of 29

 operator
Sail Boarding +
Sailing / Yachting (within territorial waters) +
Sand Boarding +
Sand Dune Surfing / Skiing +
Scuba Diving (up to 30 metres depth if
+
qualified or with an instructor)
Sea Canoeing +
Sea Kayaking +
Shark Diving (in a cage) +
Skate Boarding +
Skeletons +
Ski Acrobatics / Aerials * +
Ski Biking / Snow Biking * +
Ski Blading / Snow Blading * +
Ski Jumping * +
Excludes Federation Internationale
Ski Racing * + de Ski (or International Federation of
Ski) events
Ski Randonee * +
Ski Stunting * +
Ski Touring * +
Ski-Dooing * + No Personal Liability cover
Skiing * +
Skiing – Off Piste * +
Sky Diving +
Sledging / Sleighing * +
Sleighing as passenger +
Small Bore Target Shooting + No Personal Liability cover
Snooker +
Snorkelling +
Snowboarding * +
Snowboarding – Off Piste * +
Softball +
Solo Climbing +
Speed Skating * +
Speedway +
Squash/ Rackets +
Street Dancing +
Must wear pads and helmets. Not
Street Hockey + covered if part of a professional
tournament.
Surfing +
Swimming +
Swimming with Dolphins +
Swimming with Stringrays + Must be with official organisers
Must be adequately supervised and
Sydney Harbour Bridge Walk +
full safety equipment used
Table Tennis +
Tae Kwon Do +
Tall-Ship Crewing +
Tennis +
Tenpin Bowling +
Tobogganing * +
Trampolining +
Trekking / Walking / Hiking up to 4,000
metres without need for ropes / pulley/ +
climbing equipment
Triathlon +
Tug-of-War +
Ultimate Frisbee +
Via Ferrata +
Volleyball +
Wake Boarding + No Personal Liability cover
War Games + Must wear eye protection.
Water Polo +
Water Skiing no jumping +
Water Skiing Jumping +
White Water Canoeing / Rafting (Grade 4+) +
White Water Canoeing / Rafting (up to
+
Grade 3)

TRAVEL GUARD POLICY WORDING 12.2020 Page 28 of 29

 Windsurfing +
Wrestling +
Yachting + In territorial waters
Yoga +
Must be adequately supervised and
Zip lining +
full safety equipment used
Zorbing +

Copyright © American International Group UK Limited 2020. All Rights Reserved.

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