1. Does my policy cover repatriation? Yes all policies include repatriation. However, as you would expect the decision to repatriate remains with the insurer.
2. What is Insurance Premium Tax (IPT) and why is it charged at 20%? Insurance Premium Tax (IPT) is a levy dictated by the government and applies to all insurance policies. Travel insurance qualifies for 20% tax whereas all other insurance products attract a rate of 6%. This tax is not to be confused with Value Added Tax (VAT) which is 20%.
3. Can travel start outside of the UK? No travel must always commence from the UK (including Jersey, Guernsey and the Isle of Man).
4. Do I need to declare medical conditions suffered over 5 years ago? No claims arising from any Pre-existing Medical Condition(s) will be covered unless you have declared these to us and been accepted by us in writing. For the purposes of the insurance you need to declare: 1. any past or current medical or psychological sickness, disease, condition, injury or symptom that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and 2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip.
5. If a medical condition is ‘excluded’ what does that mean? This means that any claim which relates either directly or indirectly to the excluded medical condition(s) will not be covered. However, cover remains in place for any other unrelated insurance claim.
6. Is Travel Insurance Medical available to non-UK residents? All Travel Insurance Medical clients need a UK address and should be registered with a UK doctor. However, if you live outside the UK take a look at Staysure Expat Travel Insurance.
7. Can I take out insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care? Yes, although the decision to provide cover will be determined only after full medical screening and underwriters reserve the right to specifically exclude any undiagnosed or suspected condition(s).
8. Can I cancel my policy at any time? Policies are fully refundable within 14 days of booking for any reason, so long as travel has not commenced and no potential claim has been encountered. However, after 14 days policies are non-refundable but can be upgraded but may be subject to an additional premium.
9. Can I make changes to my policy? Yes, upgrades can be made at any time within the terms and conditions of the policy. However, it isn’t possible to reduce coverage in return for a partial refund.
10. Do I need to advise Travel Insurance Medical of any changes to my health or medical conditions? Yes, any changes to your health / medical conditions since purchasing your policy need to be declared. It is commonplace for underwriters to accept new conditions at no extra cost if you have purchased a single trip policy. For annual multi-trip policies it may be necessary to screen your condition prior to acceptance. A separate premium may be payable for the latter, or a pro-rata refund agreed if cover cannot be provided.
11. Can I renew my policy while travelling? Annual policies can be renewed to run concurrently, simply notify us at least one day before expiry. Except in extreme circumstances, single trip and long-stay policies cannot be extended once your trip has begun. We strongly recommend you contact us prior to travel should you need to adjust your trip duration.
12. What should I do if I find a mistake on my policy? Should you notice an error on your policy, please call customer services on 0844 692 8449 or email us and we will be happy to assist.
13. Who should I contact if I need to make a claim? Depending on the nature of the incident, you should contact Mapfre Assistance on the following numbers: - GENERAL TRAVEL INSURANCE CLAIMS 01702454177 MEDICAL EMERGENCY 02077480676
14. What’s the definition of a couple? A couple is defined as husband and wife or common-law partners (including same sex partners) who have lived together at the same address for at least six consecutive months. For annual multi-trip cover each adult may travel independently.
15. What’s the definition of a family? A family is defined as husband and wife or common-law partners and dependent children under 18 years old. Your children must be in full-time education and/or residing with you.
NOTE: Children under 2 years old are covered free of charge, therefore a couple with infants (below 2 years) should tick the ‘couple’ discount box in order to receive the appropriate discounted premium. For annual multi trip cover adults may travel independently but the children under 18 who travel alone must be dropped off and picked up by a responsible adult over the age of 18 years.
16. What’s the definition of a single parent? A single parent family is defined as one adult and any dependent child below 18 years of age, in full time education or residing with you. For annual multi trip cover the adult may travel independently however each child must travel with the insured adult.
17. What should I do if I have not received my policy? Most policy documents are sent out by email and usually arrive within 2 minutes where an email address has been provided. However, occasionally the email can be rejected by your Internet Service Provider due to limited in-box size or it can be wrongly identified as spam.
As a general rule if you have not received your policy within 4 hours of making your booking call our dedicated customer service department on 0844 692 8449 who will then check your email address and resend your documents.
18. What should I do if I am unable to open my policy documents? Your policy wording document is sent as a PDF file which can only be viewed through Adobe Reader. If not already installed on your computer this program can be downloaded for FREE using the following link http://get.adobe.com/uk/reader. However, if you are still experiencing difficulties please contact customer services on 0844 692 8449 who will be happy to help you.
19. What should I do if I haven’t received my posted policy documents? Please allow 5 working days for UK postage before calling customer services on 0844 692 8449.
20. Do I need to declare high cholesterol or high blood pressure if controlled by tablets, hereditary or prescribed as a precaution? Yes, you’re obliged to disclose this to us as a material fact even though it may not incur any additional cost.
21. What is the maximum trip duration for an annual multi trip policy? The maximum trip duration for an annual multi trip policy is 31 days & 183 total per annum up the 85 years of age.
22. Does annual multi trip insurance include cover within the UK? Yes, travel within the UK is covered as long as the trip lasts a minimum of 3 nights and includes pre-booked accommodation unless it involves a sea crossing.
23. Does Travel Insurance Medical cover include business or voluntary work? As a general rule Travel Insurance Medical policies don’t cover manual work. We recommend that you check Section A (Cancellation & Curtailment) of the policy wording to ensure that you are familiar with any other clauses prior to taking out this policy.
24. Does annual multi trip insurance cover winter sport? Our annual multi-trip policy does provide 17 days winter sports cover for up to 65 years of age.
Travelinsurancemedical.co.uk is a recognised trading style of Staysure.co.uk Limited. Staysure.co.uk Limited is authorised and regulated by the Financial Services Authority (FSA Registration number: 436804)
