Policy Wording - AllClear Travel Insurance

Checking Your Documents Are In OrderYou must check your Policy documents. The preexistingmedical conditions which you are coveredfor are set out in the enclosed schedule headed'Statement of Fact'. If they are not correct, pleasecontact the AllClear call-centre on 0845 250 5201.All Medical ConditionsWe will not cover you for any medical condition ordisability (pre-existing or otherwise) if:1) your state of health is significantly worse than youtold us;2) you know you have a terminal condition, but havenot told us;3) you know you will need medical treatment duringyour journey;4) one of the purposes of your journey is to obtainmedical treatment;5) you are travelling against the advice of a MedicalPractitioner;6) you are not fit to travel on your journey.We have the right from the date of issue up to the dateof travel to request a letter from your Medical Practitionerdetailing your pre-existing medical condition(s), andconfirming that your condition(s) have not changed orgot worse, along with agreeing that you are fit to travel.Waiting ListsIf you are on a waiting list for medical treatment orinvestigation which may mean you have to cancel orcurtail your journey, we will not cover these cancellationor curtailment costs unless you have paid the requiredadditional premium for waiting list cover. Refer toyour policy schedule for cover details. If you think youhave paid for this cover, please check your encloseddocuments to confirm this. This cover only applies toSingle Trip policies.Change In State Of HealthYou must tell us if your state of health changes at theearliest opportunity and consult with your MedicalPractitioner but in any case before you book orcommence your journey, or pay the balance or anyfurther instalments for your journey, i.e. if you developa new medical condition or an existing one deteriorates.Please call the AllClear call-centre 0845 250 5201. Wehave the right to amend, restrict or cancel your coverunder this policy.Non-Travelling RelativesYou may have a close relative with a medicalcondition who is not travelling with you. In somecases, if their state of health deteriorates greatly,you may want to cancel or curtail your journey.Subject to all the other terms and conditions, suchclaims are covered if the relative’s doctor is preparedto state that at the date you booked your trip, he/shewould have seen no substantial likelihood of his/herpatient’s condition deteriorating to such a degreethat this would become necessary. If the doctorwill not confirm this, your claim is not covered. Inthe event of a claim the doctor must complete themedical certificate on the claim form.Travelling Companion Cancellation CoverTravelling companion cover offers cover fortravelling companions insured under another travelinsurance provider, for cancellation and curtailmentdue to your pre-existing medical condition thatwe have agreed to cover in writing, providing theadditional premium has been paid. This will beshown on your policy schedule.Travelling When PregnantCover under this policy is provided for unforeseenevents. In particular, cover is provided under Sections 2and 6 for unforeseen bodily injury or illness. Childbirthis not considered to be either unforeseen, or an illnessor injury. Therefore there is no cover if at the start ofyour trip, during your trip or on your return date, youare more than 36 weeks and 6 days pregnant for a singlepregnancy, or more than 32 weeks and 6 days for amultiple pregnancy;Cover is only provided under sections 2 and 6 for claimsarising from complications of pregnancy and childbirthwhich are defined as:Toxaemia – toxins in the bloodGestational diabetes – diabetes arising as a resultof pregnancyGestational hypertension – high blood pressure arisingas a result of pregnancyPre-eclampsia – where you develop high blood pressure,carry abnormal fluid and have protein in your urineduring the second half of pregnancyEctopic pregnancy – a pregnancy that develops outsideof the uterusMolar pregnancy or Hydatidiform mole – a pregnancy inwhich a tumour develops from the placental tissuePost-partum haemorrhage – excessive bleedingfollowing childbirthRetained placenta membrane – part or all of theplacenta is left behind in the uterus after deliveryPlacental abruption – part or all of the placenta separatesfrom the wall of the uterusHyperemesis gravidarum – excessive vomiting as a resultof pregnancyPlacenta praevia – when the placenta is in the lower partof the uterus and covers part or all of the cervixStillbirthMiscarriageEmergency Caesarean sectionA termination needed for medical reasonsPremature birth more than 8 weeks (or 16 weeks if youknow you are having more than one baby) before theexpected delivery date.Please make sure that your doctor and midwifeare aware of your travel plans and that you are nottravelling against medical advice. Airlines and ferry/shipping companies including cruise liners have theirown restrictions due to health and safety requirements.You should check with them or any other mode oftransport you propose to take before you book. Youare not covered for claims arising from pregnancy,where, at the point of checking in for or boarding yourmode of transport, you fail to comply with the carrier’sconveyance of pregnant women policy.8 AllClear Travel Insurance – Your Policy AllClear Travel Insurance – Your Policy 9