Insurance Terms

When the following words and phrases appear in the policy document or booking confirmation, they have the meaning given below. These words appear in bold print.

Area of cover

You will not be covered if you travel outside the area you have chosen, as shown on your e-mail confirmation.
• UK
England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
• Europe
UK, continental Europe, Mediterranean Islands, Albania, Algeria, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland (Republic of), Israel, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Maderia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Russia-West of Urals, San Marino, Serbia, Slovenia, Slovakia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine.
• Worldwide (including USA)
All countries in the world.

Business colleague

Anyone you work closely with, and whose unexpected absence from work means that a senior manager or director for your business needs you to cancel or cut short your trip.

Couple

Two adults who have been permanently living together at the same address for more than six months.

Doctor

A legally qualified doctor who holds the necessary certification in the country they are currently practising in. The person must not be related to you or anyone you are travelling with.

Excess, excesses

The amount we will take off for each insured person, for each section, for each incident claimed for. For example, a couple who both have personal belongings stolen from their room and both have to pay medical costs during the same trip, will have a total of four excesses taken from the total amount they claim. Two of these excesses will be for two claims under ‘Section 1 – Emergency medical and associated expenses’ and two of these will be for the two claims under ‘Section 3 – Personal belongings’. If you have paid an extra premium for excess waiver cover, the excess will not apply.

Family

Two adults and all of their children (including foster children) aged 2 to 17. Infants aged under 2 are covered free, if travelling with an insured adult. All members of the family must live at the same address (see the note below).

Note: If you are divorced or separated and your children do not live permanently with you they can still be covered under this policy. "

Home

Where you normally live in the United Kingdom.

Insurer

AGA International SA

Period of insurance

Cancellation cover begins on the issue date shown on your e-mail confirmation and ends at the beginning of your trip. The cover for all other sections starts at the beginning of your trip and finishes at the end of your trip.
All cover ends on the expiry date shown on your e-mail confirmation, unless you cannot finish your trip as planned because of death, illness or injury or if your booked transport is delayed and this cannot be avoided. In these circumstances, we will extend cover free of charge until you can reasonably finish the trip.

Resident

A person who has their main home in the United Kingdom, is registered with a UK doctor and has not spent more than six months abroad during the year before the policy was issued.

Travelling companion

Any person that has booked travel with you on your trip.

Trip

Any return journey (not including business trips) that takes place during the period of insurance and starts and finishes from your home in the UK.
Any other trip which begins after you get back is not covered.
A trip which is booked to last longer than 180 days is not covered.

We, our, us

Mondial Assistance (UK) Limited who administer the insurance on behalf of the insurer.

You, your, yourself, insured person

Each person shown on your e-mail confirmation, who the appropriate insurance premium has been paid for

Get a Quote

How can we help?