Alpha a&e Policies from 1st March 2024
This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
Under the restrictions of cover section, an addition has been made
- There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel
Under the what’s insured section, an addition has been made:
- Trip disruption during your trip – Additional transport costs outside of the UK
Policy wording changes
Under the policy information section, there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Under the cancelling your trip section, the cancellation terms in regards to pregnancy have been updated:
- ‘…The booked return date must be after you will be 28 weeks pregnant (24 weeks for multiple births).’
Under the cutting short your trip section – If you have to cut short your trip, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the emergency medical expenses and medical repatriation section – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the money and travel documents section, there is no cover for:
- Losses arising due to debit or credit card fraud or any unauthorised use of such cards.
Extension changes
Large Scale Events extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the delay and abandonment section – If you are delayed:
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
Under the delay and abandonment section – If you decide to abandon your travel plans:
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Covid-19 extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Gadget extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.
Cruise extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.
Golf extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.
Please check our latest policy wordings for full cover details.
Get Going a&e Policies from 1st March 2024
This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
Under the restrictions of cover section, an addition has been made:
- There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel
Under the what’s insured section, an addition has been made:
- Trip disruption during your trip – Additional transport costs outside of the UK
Policy wording changes
Under the policy information section, there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Under the cancelling your trip section, the cancellation terms in regards to pregnancy have been updated:
- ‘…The booked return date must be after you will be 28 weeks pregnant (24 weeks for multiple births).’
Under the cutting short your trip section – If you have to cut short your trip, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the emergency medical expenses and medical repatriation section – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the money and travel documents section, there is no cover for:
- Losses arising due to debit or credit card fraud or any unauthorised use of such cards.
Extension changes
Large Scale Events extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Covid-19 extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Cruise extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Golf extension
Under the policy extension information there has been a new definition added as below:
- TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.
Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:
- ‘.. or if we require you to return home early for medical reasons.’
Please check our latest policy wordings for full cover details.
Flexicover a&e Policies from 1st February 2024
This details the main changes to the updated policy wording from 1st February 2024. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
Policy wording changes
Delay and Abandonment If you are delayed
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Under the medical exclusions, the definition regarding blood alcohol level exceeding 0.19% is now defined as approximately:
- 5 times the legal drink driving limit in the UK
Under the Personal Accident, Personal Liability and Legal Expenses section, a new definition has been added:
- Prospect of success: A view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome
Under the Legal Advice section, an addition has been made:
- Additional travel expenses in the event that a court outside your home country requires you to attend in connection with an event giving rise to an action under this section, up to a maximum per insured person of £1,000.
Four additions (point 6-9) have been added to the ‘there is no cover for’ section.
Under Sports and activities NOT covered, an addition has been made:
- Mechanically assisted and electronic bicycles
Large Scale Events extension
Delay and Abandonment If you are delayed:
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
Delay and Abandonment If you decide to abandon your travel plans:
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Please check our latest policy wordings for full cover details.
DOGTAG a&e Policies from 19th December 2023
this details the main changes to the updated policy wording. it does not contain a record of every amendment or those made to individual client policies. please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
under the what is insured section the following change has been made:
- there is no longer any cover for end supplier failure
under the medical section of the policy there has been a change made to the hospital benefit as below:
- a customer no longer has to be admitted to a public facility. both private and public admittances will be considered.
- there has been a removal of accommodation confinement benefit
policy wording changes
under the medical section of the policy there has been a change made to the hospital benefit as below:
- a customer no longer has to be admitted to a public facility. both private and public admittances will be considered.
- there has been a removal of accommodation confinement benefit
there is no longer any cover for end supplier failure. therefore, changes have been made to the following sections of the policy:
- your pre-travel policy – trip disruption before you travel section
- your travel policy – trip disruption during your trip section
- making a complaint section
Please check our latest policy wordings for full cover details.
Holidaysafe a&e Policies from 1st December 2023
This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
Under the what is insured section the following change has been made:
- There is no longer any cover for End Supplier Failure
Under the restrictions of cover, an addition has been made:
- There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel
Under the medical section of the policy there has been a change made to the hospital benefit as below:
- A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
- There has been a removal of accommodation confinement benefit
Policy wording changes
There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:
- Your pre-travel policy – trip disruption before you travel section
- Your travel policy – trip disruption during your trip section
- Making a complaint section
Under the medical section of the policy there has been a change made to the hospital benefit as below:
- A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
- There has been a removal of accommodation confinement benefit
Under the medical exclusions, an amendment has been made in respect of claims as a result of a motorised vehicle:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under the policy information there has been a new definition added as below:
- TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Under the Cutting Short Your Trip – If you have to cut short your trip section, an addition has been made to Additional Costs to Return Home Early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the medical exclusions, the definition regarding blood alcohol level exceeding 0.19% is now defined as approximately:
- 5 times the legal drink driving limit in the UK
Under the Emergency Medical Expenses and Medical Repatriation – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the Money and Travel documents section, there is no cover for:
- Losses arising due to debit or credit card fraud or any unauthorised use of such cards.
Under the Personal Accident, Personal Liability and Legal Expenses section, a new definition has been added:
- Prospect of success: A view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome
Under the Legal Advice section, an addition has been made:
- Additional travel expenses in the event that a court outside your home country requires you to attend in connection with an event giving rise to an action under this section, up to a maximum per insured person of £1,000.
Four additions (point 6-9) have been added to the ‘there is no cover for’ section.
- Under the Personal Accident – If you are killed, injured or disabled following an accident, there will be no cover section, an addition has been made:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under the Legal Expenses – If you need legal advice, there will be no cover section, an addition has been made:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under Sports and activities NOT covered, an addition has been made:
- Mechanically assisted and electronic bicycles
Covid -19 extension
- Under the Cutting Short Your Trip section, there is no longer cover for delay departing from the UK due to delayed Covid-19 test results
Large Scale Events extension
A new definition added as below:
- TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed:
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
Delay and Abandonment – If you decide to abandon your travel plans:
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Please check our latest policy wordings for full cover details.
Insurancewith a&e Policies from 1st December 2023
This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.
IPID changes
Under the what is insured section the following change has been made:
- There is no longer any cover for End Supplier Failure
Under the restrictions of cover, an addition has been made:
- There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel
Under the medical section of the policy there has been a change made to the hospital benefit as below:
- A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
- There has been a removal of accommodation confinement benefit
Policy wording changes
There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:
- Your pre-travel policy – trip disruption before you travel section
- Your travel policy – trip disruption during your trip section
- Making a complaint section
Under the medical section of the policy there has been a change made to the hospital benefit as below:
- A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
- There has been a removal of accommodation confinement benefit
Under the medical exclusions, an amendment has been made in respect of claims as a result of a motorised vehicle:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under the policy information there has been a new definition added as below:
- TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Under the Cutting Short Your Trip – If you have to cut short your trip section, an addition has been made to Additional Costs to Return Home Early:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the medical exclusions, the definition regarding blood alcohol level exceeding 0.19% is now defined as approximately:
- 2.5 times the legal drink driving limit in the UK
Under the Emergency Medical Expenses and Medical Repatriation – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:
- In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.
Under the Money and Travel documents section, there is no cover for:
- Losses arising due to debit or credit card fraud or any unauthorised use of such cards.
Under the Personal Accident, Personal Liability and Legal Expenses section, a new definition has been added:
- Prospect of success: A view (when supported by independent legal advice) that you do have more than 51% chance of winning the case and achieving a positive outcome
Under the Legal Advice section, an addition has been made:
- Additional travel expenses in the event that a court outside your home country requires you to attend in connection with an event giving rise to an action under this section, up to a maximum per insured person of £1,000.
Four additions (point 6-9) have been added to the ‘there is no cover for’ section.
- Under the Personal Accident – If you are killed, injured or disabled following an accident, there will be no cover section, an addition has been made:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under the Legal Expenses – If you need legal advice, there will be no cover section, an addition has been made:
- Any claim arising as a result of you driving a motor car or riding motorcycle unless you have a full UK licence, or valid CBT certificate (DL196)
- In respect of motorcycling the engine capacity must be 125cc or lower, unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for activities involving motorcycles with the specified increased engine capacity).
- Riding/use of quad bikes and ATV’s is excluded unless you have paid the additional premium and your policy schedule confirms you have the appropriate optional activity pack to include cover for these activities.
- Riding/use of electronic scooters is not covered at any time.
Under Sports and activities NOT covered, an addition has been made:
- Mechanically assisted and electronic bicycles
Covid -19 extension
Under the Cutting Short Your Trip section, there is no longer cover for delay departing from the UK due to delayed Covid-19 test results
Large Scale Events extension
A new definition added as below:
- TRAVELLING COMPANION NOT INSURED WITH US – Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.
Delay and Abandonment – If you are delayed:
- The delay benefit is now applied for your whole trip and not each time you are delayed. Customers will be able to claim for cancelled departure or additional transport costs, but not both. For detailed terms of each section, refer to the wording.
Delay and Abandonment – If you decide to abandon your travel plans:
- If you are on the outward leg of your journey (to your pre-booked final destination) from the UK and delayed by at least 12 hours due to one of the reasons listed, you can claim for unused travel and accommodation costs.
Please check our latest policy wordings for full cover details.