Your Travel Insurance Policy - Post Office

Excesses/Excess WaiverUnder some Sections of the policy, claims will besubject to an excess. This means that each insuredperson will be responsible for the first part of theirclaim for each event. Where your Policy Scheduleshows that you have added Excess Waiver (Classic andPremium cover only) and the appropriate premiumhas been paid you will not have to pay the relevantExcess shown under Sections 1, 2, 4, 7, 8, 9 and20 of the policy. Excess Waiver may be added onlyat the time of purchasing the Post Office ® TravelInsurance policy and must be purchased by eachinsured person named on the policy schedule.RenewalsIf you have an Annual Multi-Trip policy, we willsend you a renewal notice prior to the expiry ofyour policy in time to allow you to consider andarrange any continuing cover you may need.ComplaintsThis policy contains a complaints procedure, whichtells you what steps you can take if you wish tomake a complaint – see pages 27 and 28.Making a ClaimTo help us deal quickly and efficiently with your claim,please read the claims procedure in Part G and theGeneral Conditions and Exclusions on pages 25 to27. This tells you what documents you will need tosupport your claim. Some documents may be neededto support your claim; for example, for certain claims,a police report must be obtained while you are onyour trip.Medical EmergencyIf you need assistance in the event of a medicalemergency, please contact Assistance Internationalimmediately (see page 4). Please read Section 4– Medical Emergency and Associated Expenseson page 14 of this policy for details.Reciprocal Health AgreementIf you are travelling to a European Union Countryyou should apply for a European Health InsuranceCard (EHIC) by visiting www.dh.gov.uk/travellers.The EHIC allows you to receive free or reduced costemergency medical care in most European countriesfrom the equivalent of the National Health Servicein the country you are visiting. If you make use ofthese arrangements or any other worldwide reciprocalhealth arrangement and your claim under the MedicalEmergency and Associated Expenses Section isreduced, you will not have to pay any excess underthis Section.Geographical Areas(applicable when selecting thecorrect policy type for your destination)Area 1 UK – including Great Britain, Northern Ireland,the Isle of Man and the Channel Islands.For Annual Multi-Trip insurance, cover for the UnitedKingdom will be applicable only where a minimumof two nights’ payable accommodation has beenpre-booked for your trip.Area 2 Europe – all European countries includingEire (Republic of Ireland), Russia (west of the UralMountains), islands in the Mediterranean, the Azores,the Canary Islands, Madeira, Iceland, Israel, Tunisia,Algeria and Morocco, but excluding any cover forEgypt and Turkey.Area 3 Worldwide – including all destinations notcovered by Areas 1 and 2 but excluding any coverfor the USA, Canada or the Caribbean.Area 4 Worldwide – including all destinations notcovered by Areas 1, 2 and 3, inclusive of the USA,Canada and the Caribbean.Policy InformationIf you require information or advice on any aspectof this policy please contact us on 0800 107 1293.7