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Travel Insurance

Travel Insurance – Gold policy

Full details of cover will be sent with your holiday confirmation/invoice or you can download our FULL INSURANCE POLICY here

Demands and needs

This travel insurance policy will suit the demands and needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claims limits.

Important: We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information.

Important information about your Premier Holidays Travel Insurance

We strongly recommend insurance to all our customers. Premier Holidays have arranged through Holiday Extras, a holiday insurance. The applicable premium per person (set out below) must be included with the deposit. Full details of cover will be sent with your holiday confirmation/invoice.

Insurer - The insurance is underwritten by AGA International SA and adminstered it he UK by Allianz Global Assistance.

Policy Document - The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you require full details of cover prior to buying this insurance, please ask us to send you a copy.

Summary of cover - The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions. All details correct as at date of print but subject to change without notice.

Cancellation or curtailment: Up to £5000
Emergency medical & associated expenses: Up to £10 million
In-patient benefit: £15 per day up to £600
Loss of passport: Up to £300
Delayed personal possessions: £150
Personal money: Up to £300
Personal accident: Up to £25,000
Missed departure and journey disruption: Up to £1000
Travel Delay: £20 after 8 hours £20 each additional 12 hours up to £60
Abandonment: up to £5000
Personal liability: Up to £2million
Legal Expenses: Up to £25,000
Hi-Jack/Mugging: £50 per day up to £500
Pet care: Up to £500

Policy Limits - Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.

Conditions and exclusions - Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.

Health declaration and exclusions - These apply to the cancellation or curtailment charges, Emergency medical and associated expenses and Personal accident sections. It is very important that you read and understand the following and if necessary declare any existing medical conditions to the screening service, Latitude, on 0800 781 4086.

Exclusions relating to your health - If you are resident in the UK and travelling within the UK, Isle of Man or Jersey or are resident in Jersey or the Isle of Man and travelling within your home country or the UK:

1. You will not be covered for any directly or indirectly related claims (see note at the end of this section) if at the time of taking out this insurance or at any time before you begin your journey (whichever is later), you have suffered from any medical condition or injury in the last 12 months which has resulted in you being referred to or being seen by a hospital doctor (see note on ‘Accepted medical conditions’ and ‘Minor ailments’).

Or

For all other travel:

1. You will not be covered for any directly or indirectly related claims (see note at the end of this section) arising from the following if at the time of taking out this insurance or at any time prior to departing on your journey (whichever is later), you:

  • a) are being prescribed regular medication;
  • b) have received treatment for or had a consultation with a doctor or hospital specialist for any medical condition in the past 2 years;
  • c) are being referred to, treated by or under the care of a doctor or a hospital specialist;
  • d) are awaiting treatment or the results of any tests or investigations.
  • The condition(s) has (have) been declared to and accepted by us in writing (unless it is a condition listed below under ‘Accepted medical conditions’ or ‘Minor ailments’).

    You should call Holiday Extras medical line on 0800 781 4086 (Monday-Friday, 8am-7pm and Saturday 8.30am-5pm) quoting ‘Holiday Extras HX022’ if:

  • you need to declare a medical condition;
  • you develop a medical condition after your policy was issued;
  • your existing condition changes after your policy was issued;
  • you are unsure whether a medical condition needs to be declared or not.
  • The confidential helpline will be able to confirm if cover can be provided for your medical conditions. If you need to make a claim arising from a medical condition that has not been declared and accepted by us, it is unlikely that your claim will be paid. Each person insured by us would still be covered for any unrelated medical condition(s) and other sections of cover subject to the terms and conditions of this policy.

    Accepted medical conditions - If you have one (and only one) medical condition and it is listed below, there is no need to declare it. Should you need to make a claim arising from that condition, your doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why you should need to claim on this policy:

    • Acid reflux • Acne • Arthritis • Asthma (if well controlled by using inhalers only) • Diabetes (if well controlled and no associated conditions e.g. Glaucoma or other eye problems, kidney problems or peripheral vascular disease) • Dyspepsia • Glaucoma • Gout • Hernia • Hypertension (high blood pressure) • Hyperthyroidism (overactive thyroid) • Hypothyroidism (underactive thyroid) • Irritable bowel syndrome • Meniere’s disease • Migraine • Varicose veins •

    Minor ailments - You do not have to declare minor ailments e.g. hay fever, tonsillitis, ear infections, colds / flu, skin irritations, chiropody, dental treatment etc if you:

  • were only prescribed short term antibiotics, non-prescription pain killers, creams / ointments;
  • have had no further problems since; or
  • have been advised by your doctor that it is safe to travel.
    1. You will not be covered if you travel against the advice of a doctor or where you would have been advised not to travel if you had sought their advice before beginning your journey
    2. You will not be covered if you know you will need medical treatment or consultation at any medical facility during your journey.
    3. You will not be covered for any directly or indirectly related claim if, before your journey, a doctor diagnosed that you have a terminal condition.
    4. You will not be covered if you were waiting for medical treatment or consultation at any medical facility or were under investigation for a medical condition when your policy was issued unless it has been declared to us and accepted in writing.
    5. You will not be covered if you are travelling specifically for the purpose of obtaining and / or receiving any elective surgery, procedure or hospital treatment.

    If we are unable to cover a medical condition, this will mean that any other person insured by us will not be able to make a claim arising from the medical condition(s). This may even apply if the person with the medical condition(s) purchases cover from another provider.

    Relevant facts - You must tell the insurer all relevant facts. A relevant fact is one that is likely to influence them in accepting your insurance. This could be the state of health of a close relative whose health may cause you to cancel or curtail your trip. If you are in any doubt as to whether a fact is relevant, you should tell the insurer. If you do not do so, this may result in a claim being invalid.

    Cancellation rights - If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim. Please not that your cancellation rights are no longer valid after this initial 14 day period.

    Making a complaint - The policy contains a complaint procedure which tells you what steps you can take if you wish to make a complaint.

    Premiums - Including IPT at the relevant rate

    UK, Channel Islands and the Isle of Man Adults Family 65–85 yrs
    1 - 5 days £22 £44 £26
    6 - 10 days £24 £48 £30
    11 - 17 days £29 £58 £34
    18 - 24 days £33 £66 £38
    No cover is available for persons aged 86 and over at the time of purchasing insurance.
    Family cover provides cover for two adults and their dependent children up to the age of 17 years.
    Worldwide including USA/Canada and Caribbean Adults Family
    1 - 5 days £40 £80
    6 - 10 days £53 £106
    11 - 17 days £63 £126
    18 - 24 days £76 £152
    25 - 31 days £80 £160
    Extra week £20 £40
    Persons aged 65-74 years pay double the adult premium and aged 75-85 pay triple premium.
    No cover is available for adults aged 86 and over at the time of purchasing insurance.
    Family cover provides cover for two adults and their dependent children up to the age of 17 years.
    Worldwide excluding USA/Canada and Caribbean Adults Family
    1 - 5 days £40 £80
    6 - 10 days £50 £100
    11 - 17 days £58 £116
    18 - 24 days £62 £124
    25 - 31 days £76 £152
    Extra week £20 £40
    Persons aged 65-74 years pay double the adult premium and aged 75-85 pay triple premium.
    No cover is available for adults aged 86 and over at the time of purchasing insurance.
    Family cover provides cover for two adults and their dependent children up to the age of 17 years.
    Australia and New Zealand (Max 2 stopovers less than 72 hours each) Adults Family
    6 - 10 days £48 £96
    11 - 17 days £57 £114
    18 - 24 days £59 £118
    25 - 31 days £75 £150
    Extra week £20 £40
    Persons aged 65-74 years pay double the adult premium and aged 75-85 pay triple premium.
    No cover is available for adults aged 86 and over at the time of purchasing insurance.
    Family cover provides cover for two adults and their dependent children up to the age of 17 years.

    Governing Law - Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English.

    Premier Holidays is an Appointed Representative of Holiday Extras Ltd. Who are authorised and regulated by the Financial Conduct Authority (FCA).