Your Travel Insurance Policy - Post Office

Contract of InsuranceContentsMedical Exclusions .............................................................3Health Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Emergency Medical Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Part A – Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Part B – Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9Part C – Cover & Conditions for each Insured person ...................................11Section 1 – Cancellation and Curtailment ....................................................11Section 2 – Delayed Departure . ...........................................................12Section 3 – Missed Departure . ............................................................13Section 4 – Medical Emergency and Associated Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Section 5 – Hospital Benefit ..............................................................14Section 6 – Personal Accident . ............................................................14Section 7 – Personal Belongings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16Section 8 – Personal Money and Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Section 9 – Loss of Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Section 10 – Personal Liability ............................................................18Section 11 – Travel Legal Guard . ..........................................................18Section 12 – Legal Consultation . ..........................................................20Section 13 – Mugging . ..................................................................20Section 14 – Catastrophe Cover . ..........................................................20Section 15 – Homecare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21Section 16 – Scheduled Airline Failure Cover . ................................................21Section 17 – Financial Failure Cover . .......................................................21Section 18 – Petcare . ...................................................................22Section 19 – Hijack, Kidnap & Illegal Detention Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22Part D – Optional add-ons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22Winter SportsSection 20 – Winter Sports Equipment .....................................................23Section 21 – Ski Hire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Section 22 – Ski Pack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Section 23 – Piste Closure ...............................................................23Section 24 – Avalanche and Landslide . .....................................................24Optional Golf Cover . .........................................................24Section 25 – Golf Equipment .............................................................24Section 26 – Golf Equipment Hire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24Section 27 – Green Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24Optional Extended Baggage Cover . ..............................................25Section 28 – Extended Baggage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25Part E – General Conditions and Exclusions . .........................................25Part F – Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27Part G - Claims Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28Part H - Other information ......................................................29Post Office ® Travel Advice Helpline .................................................30Schedule of Benefits ...........................................................325