This policy summary does not contain full details and conditions of your insurance - these are located in your policy wording.

Some winter sports may also be included - your policy schedule will show if you selected this option.

Baggage and passport cover and business travel cover may also be included - your policy schedule will show if you selected these options.

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• It is essential that you refer to the important conditions relating to the health section in the policy wording as failure to comply with these conditions may jeopardise your claim or cover.
• If you are travelling to Australia and you require medical treatment you must enrol with a local Medicare office.

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Medical expertise to arrange medical assistance or transport home following an accident or illness or if you are informed of a serious illness of a close relative at home whilst on holiday.

Section A - Cancellation or Curtailment charges

Unavoidable or necessary cancellation or curtailment of the trip before completion due to, death, bodily injury or illness, compulsory quarantine or jury service, redundancy, withdrawal of leave for members of the armed forces or emergency services, the Police requesting you to return to or remain at your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft. The maximum we will pay under this section is £3,000 per person.

Section B - Emergency medical and other expenses

• Medical, surgical, hospital, ambulance and nursing fees up to £2,000,000 outside the United Kingdom (other than the Channel Islands).
• Emergency dental treatment for pain relief up to £200 incurred outside the United Kingdom (other than the Channel Islands).
• Reasonable cost of funeral expenses abroad up to £1,500 plus the reasonable cost of conveying the ashes or body home.
• Reasonable additional transport or accommodation expenses incurred if it is medically necessary for you to stay beyond your scheduled return date.

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Section C - Hospital benefit

• Up to £20 for every completed 24 hours in-patient hospital stay up to a maximum of £500.

Section D - Personal accident

• Up to £20,000 for death, loss of limb or sight and permanent total disablement, subject to age - please refer to policy wording for full details of the cover available.

Section E - Baggage and passport

• Accidental loss, theft or damage to baggage up to £2,000. Up to £250 for any one article and up to £500 for all valuables - please refer to ‘Definitions’ in the policy wording.
• Up to £150 for the emergency replacement of clothing, medication and toiletries if your baggage is lost and not returned for more than 12 hours on the outward journey.
• Up to £200 for reasonable additional costs for travel and accommodation incurred whilst obtaining a replacement passport or visa abroad.

Section F - Personal Money and documents

• Accidental loss, theft or damage of Personal Money including foreign currency up to 72 hours prior to departure - please refer to policy wording for full details of the cover available.

Section G - Personal liability

• Personal liability for any compensation you become legally liable to pay up to £2,000,000.

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Section H - Delayed departure

• Delayed departure for at least 12 hours from the scheduled departure time. £20 for the first complete 12 hour delay and £20 for each completed 12 hours following, up to a maximum of £100.
• Up to £3,000 for any irrecoverable travel and other pre-paid charges if you choose to cancel your trip once 12 hours has elapsed.

Section I - Missed departure

• Up to £600 for additional room only accommodation and travel expense due to the failure of public transport or an accident or breakdown of the vehicle you are travelling in or strike.

Sections J, K, L and M - Winter sports

• Section J - Ski equipment. Up to £500 for the loss, theft of or damage to your own ski equipment, subject to a maximum of £250 for any one article, pair or set of articles.
• Section K - Hire of Ski equipment. Up to £15 per day, up to a maximum of £300 for the cost of hiring ski equipment following the loss, theft of or damage to your own ski equipment.
• Section L - Ski pack. Up to £500 for the unused portion of your ski pack following your bodily injury or illness and up to £250 for the unused portion of your lift pass if lost.
• Section M - Piste closure. Up to £30 per day, up to a maximum of £300 for the cost of transport organised by your tour operator to an alternative site if snow conditions result in total closure of skiing facilities. If no alternative sites are available we will pay you compensation of £30 per day up to a maximum of £300.

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Section N - Overseas Legal Expenses and Assistance

• Legal expenses and costs in pursuit of a civil action up to £25,000.

Section O - Cruise cover

• Accidental loss, theft or damage to baggage up to £2,500. Up to £750 for any one article and up to £500 for all valuables - please refer to ‘Definitions’ in the policy wording.

Section P - Business travel

• Up to £1,000 for accidental loss, theft or damage to business equipment, subject to a maximum of £500 for any one article, pair or set of articles.
• Additional accommodation and travelling costs for a colleague to take your place in the event of your death, total disablement or hospitalisation - your policy schedule will show if this option is operative.

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• The standard excesses and any increased amount you have agreed to pay will be shown within your policy wording or on the policy schedule.
• There is no cover for trips over 31 days (45 days if the trip is a cruise) under annual multi-trip policies.

General Exclusions:

• War risks, civil commotion, terrorism, (except under sections B, C and D unless caused by nuclear, chemical or biological attack), sonic bangs, radioactive contamination.
• There are a number of activities, practices and winter sports that are excluded – please see paragraphs 5, 6, 7 and 8 in the general exclusions section of the policy wording.
• Wilful, self inflicted injury, solvent, drug or alcohol abuse.
• Unlawful actions and any subsequent legal proceedings brought against you.
• Travel to a country or specific area or event which the Foreign and Commonwealth office or the World Health Organisation has advised the public not to travel to.

Exclusions under Section A - Cancellation or Curtailment charges:

• Redundancy caused by misconduct, resignation, voluntary redundancy or where notification of redundancy was given prior to the application for this policy.
• Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim.

Exclusions under Section B - Emergency medical and other expenses

• Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until your return to the United Kingdom.
• Medication, which prior to departure is known to be required.
• Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

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Exclusions under Section C - Hospital benefit:

• Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken.

• Valuables or your passport left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
• Baggage contained in an unattended motor vehicle between 9pm and 9am or between 9am and 9pm unless it is in a locked boot or covered from view in a locked car.
• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded - see your policy wording for the full list.
• Business goods, samples or tools used in connection with your occupation.

Exclusions under Section F - Personal Money and documents:

• Personal Money left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
• Loss or theft of travellers’ cheques where you have not complied with the issuing agents conditions.

Exclusions under Section G - Personal liability:

• Pursuit of any trade, business or profession, or the ownership, possession or use of any vehicles, aircraft or mechanically operated watercraft or golf equipment.

Exclusions under Section H - Delayed Departure:

• Strike, industrial action or air traffic control delay publicly declared.

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Exclusions under Section I - Missed Departure:

• Strike or industrial action publicly known by the date the insurance is purchased by you.

Exclusions under Sections J, K, L and M - Winter Sports:

• Ski Equipment contained in or from an unattended motor vehicle between 9pm and 9am or between 9am and 9pm unless it is in a locked boot or covered from view in a locked car.

Exclusions under Section O - Cruise cover:

• Valuables or your passport left unattended at any time unless in a hotel safe, safety deposit box or in your locked accommodation.
• Baggage contained in an unattended motor vehicle between 9pm and 9am or between 9am and 9pm unless it is in a locked boot or covered from view in a locked car.
• Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipment and other items are excluded - see your policy wording for the full list.
• Business goods, samples or tools used in connection with your occupation.

Exclusions under Section P - Business travel:

• Business equipment left unattended at any time unless deposited in a hotel safe, locked accommodation or in the locked boot or covered luggage area of a motor vehicle.
• Loss, theft or damage of films, tapes, cassettes, cartridges or discs other than the market value.
• Any loss or damage arising from manual work.

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If you cancel the policy within 14 days of receipt of your policy we will refund the premium in full provided you have not travelled and no claim or incident likely to give rise to a claim has been submitted.

For cancellations occurring after 14 days of issue of the policy no refund of premium will be made.

Please see the policy document for further details relating to the cancellation conditions.

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If the complaint is still not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial Ombudsman will not affect your right to take legal action.

Full details of addresses and contact numbers can be found within the Policy Wording.

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AXA Insurance is covered by the FSCS, which is triggered when an authorised firm goes out of business. In this unlikely event you may be entitled to compensation from the scheme.

Compensation under the scheme for:

• Compulsory insurance is covered in full.
• Non-compulsory insurance is protected in full for the first £2,000 and 90% of any amount above this threshold.

Full details are available at www.fscs.org.uk.

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