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

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• It is essential that You refer to the important conditions relating to 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.

Special conditions apply to each section of Your policy - Please refer to the policy wording for full details.

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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, compulsory quarantine or jury service, redundancy, withdrawal of leave for members of the armed forces or emergency services, accidental damage to Your Home rendering it uninhabitable or police requesting Your presence at Your Home following 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 Isles).
• 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.

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).
• 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 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.

Section H - Delayed departure

• Delayed departure for at least 12 hours prior to the Scheduled departure date. £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.