Travel Insurance - O2 Family

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What we will need if you make a claim
• Medical evidence from the doctor treating you to confirm the illness or
injury and treatment given, including the dates you were admitted to and
discharged from hospital, if this applies.
• A medical certificate if you cannot go on any pre-booked excursions because
of illness or injury.
• Original receipts and accounts for all medical treatment and other expenses
you have paid or have agreed to pay.
• General information set out in the ‘Making a claim’ section on page 10.
Section 2 - Cancelling or cutting short your trip
Cover only applies when shown on your policy confirmation e-mail
If you think you may have to come home early, you must contact us
immediately. Phone +44 20 8239 3902 (from outside your home country)
or 020 8239 3902 (from within your home country).
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Meaning of words in section 2
Redundancy / redundant
Loss of permanent paid employment (except in cases of voluntary redundancy,
dismissal or expiry of a fixed term contract).
What you are covered for
We will pay up to the limit shown under ‘core benefits’ within the summary of
cover (if you have flexed the benefits, your latest policy confirmation e-mail will
show the limits that apply) if you have no choice but to cancel or cut short your
trip.
Cancellation
Costs of unused transport and accommodation because you have to cancel for
reasons not known at the time you booked your trip.
Curtailment
Your part of the costs of unused transport and accommodation because you
have to curtail for reasons not known at the time you began your trip.
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Policy wording - Page 13
What you are not covered for
Under Cancellation and Cutting short your trip
• Any condition set out under ‘Health declaration and health declaration’ on
page 6.
• The policy excess of the amount shown on your latest policy confirmation
e-mail.
• Anything caused by:
- you not having the correct passport or visa;
- your transport provider’s refusal to allow you to travel for reasons beyond
your control;
- you not wanting to travel or not enjoying your trip; or
- the company or person you booked your trip with (or their agents)
being made bankrupt (see section 12 - O 2 passenger protection).
- the withdrawal from service of an aircraft, cross-channel train or sea
vessel (temporarily or permanently), on which you are booked to travel,
by the carrier or on the recommendation or order of any government,
civil aviation authority, port authority, rail authority or other similar
authority in any country.
• More than the lowest market value of equivalent accommodation,
transport charges and other travel expenses, if payment was made using
frequent flyer points, airmiles, loyalty card points, redeemable vouchers or
another similar scheme.
Under Cancellation
• Any extra cancellation charges, because you did not tell the company or
person you booked the trip with, as soon as you knew you had to cancel.
• You not being able to afford the trip, except where you are made
redundant and were only made aware of this after the date you bought
your policy or booked your trip (whichever is later).
Under Cutting short your trip
• Cutting short your trip, unless we have agreed.
• Costs for you to come home because of illness or injury when you did
not get a medical certificate from the doctor treating you that says it was
medically necessary for you to come home and we agreed to this.
Please read the general exclusions that also apply.