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International Travel Cover - Policy
exclusions:
1. No section of the policy will apply in respect of any
person where that person:
(i) has a pre-existing medical condition(s)
(ii) has been in the last 12 months, under the care of
any hospital or under any prescribed medication
(iii) anticipates any treatment or tests in the future or
is on a waiting list for in-patient or day-patient treatment
(iv) has submitted a medical or medical related claim in
the last three years unless that person has completed a full
medical questionnaire which we have formally accepted and
confirmed our acceptance of that medical condition in
writing or by endorsement
2. Any person aged 80 or over unless otherwise endorsed
by us
3. An insured person engaging in manual work in
conjunction with any profession, business or trade, or
taking part in steeplechasing, polo, hunting and
professional sport(s), mountaineering (normally requiring
ropes or requiring the services of a guide), pot holing,
canyoning, fighting (except in self-defence), scuba-diving
below a depth of 30 metres, parachuting, racing, speed or
endurance tests or practising for such events (other than
athletics), or any form of organised team sport. For full
details on hazardous pursuits, see
'policy
information - activities covered by this policy'
4. Theft of valuables from an unattended motor vehicle
5. The insured person's suicide, insanity, intentional
self-injury, alcoholism, drug addiction or solvent abuse or
the insured person being under the influence of drink or
drugs.
6. Any wilful act of the insured person
7. HIV and AIDS
8. Pregnancy within 10 weeks of expected date of delivery
9. Claims arising from circumstances you were aware of at
the commencement of the insurance period unless they have
been disclosed to and accepted by us
10. Any claim under the personal baggage section will
exclude: contact or corneal lenses, dentures, bonds,
securities, stamps or documents of any kind, musical
instruments, typewriters, glass, china, antiques, pictures,
pedal cycles, hearing aids, coupons, computers, personal
organisers, portable telephones, televisions, CD players,
vehicles or accessories, boats and / or ancillary equipment,
samples or merchandise or business goods or specialised
equipment relating to a trade or profession.
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accident insurance /
Boating insurance (jet skis, sailing and motor boats) /
Car insurance (including foreign number plates/registrations,
top of the range or Classic cars) /
Caravan insurance /
Civil liability insurance eg trades, hairdressers, academies,
bars, restaurants, tourist guides, monitors, shows) /
Commercial Premises insurance /
Financial planning ideas - and how to save money in Spain
... /
Funeral insurance /
Golf insurance /
health
and
dental
insurance
plans /
Health insurance offers eg SMEs, catering, shops /
Home insurance (as an owner or tenant) /
Horse insurance /
Hunting insurance /
Insurance for Building Companies /
Insurance for Electrical Equipment /
Insurance for Haulage Companies /
Insurance for Companies selling or renting equipment /
International health insurance (transfer your Sanitas rights
both ways) /
Life insurance (protect your family if you die or become
disabled) /
Machinery Breakdown Insurance /
Maritime insurance (crews only) /
Mortgage repayment life insurance (it may be cheaper to
replace your current mortgage repayment life insurance, eg
people in Spain working with/in/on/at:) (
animals /
aviation /
building sector /
Civil protection and police /
countryside, vets /
factories or mines /
home makers or parks /
hospitals, consulting rooms, clinics /
logistics and transport /
office workers /
press or mass media /
sales reps /
ships, wharfs, at sea /
shop workers, SMEs, cars, hotels /
shows and culture /
training, unemployed, retired ) /
Motorbike-motorcycle insurance /
Office insurance /
Returning to the UK from abroad? (you may not be covered by
the NHS for 6 months) /
Seguro contra daños (RC) /
Seguro de amortización, por ejemplo personas que trabajan
con/en: (
animales /
aviación /
barcos, muelles, alta mar /
campo y veterinarios /
casa o cuidando parques /
construcción /
en la calle /
espectáculos y cultura /
fábricas o minas /
formación, desempleados, jubilados /
hospitales, consultas, clínicas /
logística y transporte /
oficinas /
prensa o medios de comunicación /
protección civil y policía /
tiendas, pymes, bares, hoteles ) /
Seguro de Comunidades /
Seguro de decesos /
seguros para agricultura /
Seguros para casas y hoteles rurales /insurance for rural
houses and hotels /
seguros para transportistas / road haulage insurance /
seguros pecuarios - para su ganado ovino, bovino, caprino y
aviar /insurance for sheep, cows, goats, poultry /
Shop insurance /
Travel insurance - visa compliant eg for US students,
tourists or business trips, includes dangerous areas,
professions and sports / ...
and more insurance products!
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