key policy changes

please read below for a summary of key policy changes

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