FAQs

Frequently Asked Questions annualtravelinsurance.com IRL



Annual Multi Trip



General Questions



Hazardous Activities



Annual Multi Trip


What is the maximum length of any one trip on an Annual Policy?
19 – 65 yrs – Max duration Super Cover 31 Days / Super Plus 60 Days
66 – 69 yrs - Max duration Super or Super Plus Cover 31 Days / No Ski
70 – 73 yrs - Max Duration Super or Super Plus Cover 21 Days / No Ski


What is the highest age on an Annual Policy?
Maximum age is 73 years of age


Is there an additional premium for wintersports?
Wintersports can be included for an additional Premium for persons 65 yrs or younger.


Can I forward start my Annual Policy?
Yes up to 90 Days, please note that there is no cover including cancellation until the start date of the policy.


Can insured persons travel independently ?
Yes insured’s Adults can travel separately. A child under 16 years can also travel separately provided the child is travelling with a responsible Adult. If the child is over 16 they will not be covered to travel separately unless it is a school or college organized trip.


Define a Couple?
Two co-habiting Adults (includes same sex) living together for 6 months or more.


What is the definition of a family on an Annual Policy?
2 co-habiting spouses and their children under 19 years.

General Questions


How will I receive my Policy Document and Validation certificate?
You can either receive your document by email (at no extra charge) or by post (for a small additional charge).
If you have entered your mobile phone number when booking then you also have the option to receive an SMS text message for a small charge with your Certificate Number, Emergency Telephone Number Abroad and Health Check Telephone Number.


What should I do if I need to change my details?
If you contact us we can change your details for you. In most cases we will simply update re-send your details by email. If you need to extend your cover then there may be an additional premium to pay.


What if anyone who is travelling has a pre-existing medical condition?
If you are aware, at the time of taking out this policy that you or a traveling companion have/had:



Important

Please note we cannot provide cover in respect of the following even if you hold Private Health Insurance with medical cover abroad:

You must contact Healthcheck on 0844 871 6187 where our medical co-ordinators will tell you if the condition can be covered.



If you suffer from any of top three above then we may be able to provide you with cover under our www.cleartotravel.com product.




What are the Policy Age Limits ?

Annual Multi-Trip


19 – 65 yrs – Max duration Super Cover 31 Days / Super Plus 60 Days
66 – 69 yrs - Max duration Super or Super Plus Cover 31 Days / No Ski
70 – 73 yrs - Max duration Super or Super Plus Cover 21 Days / No Ski



Is Pregnancy Covered?
Our policy provides cover for unforeseen events, accidents, illnesses and diseases. Normal childbirth would not constitute an unforeseen event. In any event, you must not travel against doctors advice or any carrier stipulation. Any complications or previous miscarriages need to be declared to Healthcheck on 0844 871 6187 .



What if I need to cancel my holiday?
If you need to cancel your travel arrangements for an insured reason you must contact your Travel Agent/Tour Operator or Transport Company immediately and confirm in writing to Mondial Claims within 48 hours. Please make sure your reason for cancelling is insured.


How should I do in respect of Baggage/Money Claims?
If your baggage is lost or stolen or damaged whilst in transit then you must report this to the Airline, Hotel or Tour Operator Representative immediately. Baggage excludes prams, wheelchairs, bicycles, diving equipment, computer equipment, antiques and mobile phones. It is important that you obtain a property damage/loss report or a PIR in the case of damage/loss by an airline. Fragile items are excluded under this policy. Cash must always be kept in a safety deposit box.


How important is a Police Report for stolen items ?
If you have any stolen items or belongings whilst on holiday, then you must notify the local police within 24 hours and obtain a copy of the police report.


When should I contact the Emergency Assistance Helpline?
In the case of any medical emergency or the need to curtail your trip due to an insured reason please call Mondial Assistance (UK) Ltd, Tel: +44 208 603 9929. If you have private medical insurance, then you must also contact that Company’s Assistance telephone number and advise them of your medical emergency. If you have a top up Annual Multi Trip Policy then you should contact your Private Health Insurer Assistance line first.


Am I covered for Legal Liability of mechanically propelled vehicles or watercraft?
There is no liability cover for the use of mechanically propelled vehicles or watercraft. Please check that your legal liability is adequately covered with the operator/car hire company before hiring/using motor vehicles, motorized water craft or aircraft (other than as passenger).


How do I make a Claim? All claims must be reported to Mondial Claims by calling 020 8603 9958 and enclose all documentation when claiming, please include your policy document and your Validation cert.


What if I have a complaint about the policy or a claims decision?
Please consult the complaints procedure at the rear of the policy wording.


Is there a cooling off period?
Yes there is a 14 Day cooling off period from receipt of the policy either at time of print, receipt of email or receipt by post.

Hazardous Activities


What Hazardous Activities are covered Free of Charge?
annualtravelinsurance.com automatically provides Medical and Personal Accident cover for the following activities, conducted on an incidental basis whilst you are on holiday:
Grade 1



What is the difference between 'Incidental and Non Incidental basis'?
An incidental basis means that the activity you are doing on holiday is not the specific reason for going on the holiday. Non Incidental is exactly the opposite.


What if I cannot find the Hazardous Activity that I will be participating in?
See Additional Hazardous Activities below in higher grades. If you still can't find your activity listed, please call us.



What additional Hazardous Activities can I obtain cover for, subject to payment of an additional premium.
We can also provide Medical and Personal Accident cover for the following Activities, as per the terms and conditions stated in the policy wording, subject to payment of an additional premium.

Grade 2 - A 50% Loading on your existing travel premium to cover all activities or £30 per activity if individually selected. Medical excess £320 and 50% personal accident cover reduction.



Grade 3 - A 100% loading on your existing travel premium to cover all activities or £75 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.



Grade 4 - A 200% loading on your existing travel premium to cover all activities or £112.50 per activity if individually selected. Medical excess £650 and 50% personal accident cover reduction.



Amateur is listed next to some of the Activities, what does this mean?
Amateur status is listed beside such sports as running, rugby, football, surfing , tennis and Waterskiing, this means that if you intend to play these sports abroad professionally (i.e. you will be receiving a monetary reward for participation in them) there is no cover under the terms and conditions of the policy for this.


Does annualtravelinsurance.com cover scuba diving?
Beginners: (This cover is provided free of charge) on an Incidental Basis
Scuba diving to the following depths. Provided you are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:


We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.



Advanced: (This Cover is subject to Grade 2 Activities additional premium) for Greater Dive Depths and Non Incidental Coverage. Scuba diving to the following depths. Provided You are diving under the direction of an accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guidelines of the relevant diving or training agency or organization and not diving alone:


We must agree with any equivalent qualification. If you do not hold a qualification, We will only cover you to dive to a depth of 18 metres.
You will not be covered under this policy if you travel by air within 24 hours after participating in Scuba Diving.




What is the maximum height I can trek to?
4200 metres. If you are planning to trek higher then please contact our office.