The following table is only a summary of the main cover limits. You should read the rest of this policy for the full terms and conditions.
| Cover type | ||||
|---|---|---|---|---|
| Bronze | Silver | Gold | ||
| Trip duration | 21 days | 31 days | 31 days | |
| Maximum age | 64 | 64 | 64 | |
| Dependent child maximum age | 22 | 22 | 22 | |
| Section 1 | Cancellation | Optional | Included | Included |
| cover limit | £1,000 | £3,000 | £5,000 | |
| Section 2 | Curtailment | Optional | Included | Included |
| cover limit | £1,000 | £3,000 | £5,000 | |
| Section 3 | Personal Accident | Not Covered | Not Covered | £10,000 |
| Death Benefit | £20,000 | £20,000 | ||
| Section 4 | Emergency Medical | £2 million | £5 million | £5 million |
| Emergency Dental | £200 | £1,000 | Not Covered | |
| Funeral Expenses Abroad | £250 | £1,000 | Not Covered | |
| UK Expenses | £350 | £1,000 | £1,000 | |
| Section 5 | Additional Hospital Benefit | £10/24hrs £100 max | £15/24hrs £100 max | £15/24hrs £100 max |
| Mugging | Not Covered | £50/24hrs £500 max | £100/24hrs £1,000 max | |
| Section 6 | Baggage & Personal Belongings | Optional | Optional | Included |
| Cover Limit | £1,000 | £1,500 | £2,000 | |
| Total Valuables Limit | £300 | £300 | £400 | |
| Single Item Limit | £100 | £150 | £250 | |
| Delayed Baggage (after 24hrs) | £75 | £100 | £150 | |
| Section 7 | Cash and Documents | Optional | Optional | Included |
| Cover Limit | £300 | £300 | £500 | |
| Cash Limit | £100 | £150 | £250 | |
| Section 8 | Loss of Passport / Driving Licence | £150 | £250 | £350 |
| Section 9 | Travel Delay | Not Covered | £20/12 hrs £100 max | £20/12 hrs £100 max |
| Trip Abandonment (after 24 hrs) |
£1,000 | £3,000 | £5,000 | |
| Pet Care | Not Covered | Not Covered | £20/24 hrs £100 max | |
| Section 10 | Missed Departure | £250 | £500 | £1,000 |
| Section 11 | Personal Liability | £1 million | £2 million | £2 million |
| Section 12 | Legal Expenses | Not Covered | £5,000 | £15,000 |
| Section 13 | Hijack | Not Covered | £1,000 £100/24 hrs. | £1,000 £100/24 hrs. |
| Section 14 | Winter Sports | Not Covered | Included (max 17 days/year) | Included (max 21 days/year) |
| Sports Equipment | Not Covered | £500 | ||
| Equipment Hire | Not Covered | £300 | ||
| Sports Pack | Not Covered | £300 | ||
| Piste Closure | Not Covered | £300 | ||
| Section 15 | Sports & Activities Level 1 | Included | Included | Included |
| Sports & Activities Level 2 | Optional | Optional | Included | |
| Section 16 | Scuba Diving to 50m | Not Covered | Optional | Optional |
| Scuba Diving Equipment | £1,000 | £1,000 | ||
| Single Item Limit | £300 | £300 | ||
| Equipment Hire | £300 | £300 | ||
| Inability to dive | £25/24hrs. £250 max | £25/24hrs. £250 max | ||
| Section 17 | Business Travel/Work Abroad | Not Covered | Optional | Optional |
| Replacement Employee | £500 | £1,000 | ||
| Business Equipment | £300 | £500 | ||
| Policy Excess | Personal Liability & Legal Expenses | £400 | £200 | £200 |
| Other Claims | £200 | £75 | £50 | |
| Excess Waiver | Optional | Optional | Optional | |
| Enjoy | Not Available | Not Available | Included | |
Please note: Enjoy services do not form part of the insurance contract and these services are arranged separately by Millstream Underwriting Limited.
| Telephone | ||
|---|---|---|
| Customer Services | +44 (0)870 270 2770 | service@worldnomads.co.uk |
| Emergency Medical Assistance Service (24hours) | +44 (0)845 643 2628 | assistance@mstream.co.uk |
| Claims Service | +44 (0)845 643 2629 | claims@mstream.co.uk |
| Telephone | ||
|---|---|---|
| Foreign & Commonwealth Office | +44 (0)845 850 2829 | www.fco.gov.uk |
| European Health Insurance Card (EHIC) | +44 (0)845 606 2030 | www.ehic.org.uk |
| Department of Health - Advice for Travellers | +44 (0)20 7210 4850 | www.dh.gov.uk/travellers |
| Medicare Australia | +61 (0) 2 6124 6333 | www.medicareaustralia.gov.au |
Thank you for taking out your Worldnomads Annual Travel Insurance with us .
This policy wording, your Policy Certificate and any endorsements form a contract of insurance between you (the insured named on the Policy Certificate) and us , (Millstream Underwriting Ltd on behalf of Elvia Travel Insurance International N.V.(Netherlands)) and explains the definitions, conditions, exclusions and limits of cover we provide. This contract is only valid when you have a valid Policy Certificate and have paid the appropriate premium.
It is very important that you carefully read the terms, conditions and exclusions of this insurance to ensure that you are properly covered for your planned trip.
Please check the details on your Policy Certificate and contact Customer Services by email at service@worldnomads.co.uk or telephone +44 (0)870 270 2770 if they are incorrect.
Your Policy Certificate shows the persons who are insured under the policy and any special terms or conditions that may apply.
Cover is only available to persons resident in the United Kingdom and is only valid for round trips starting and returning to the United Kingdom. You must have a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom.
Cover will not be issued once you have reached 65 years of age.
You are covered for:
Note: trips with a scheduled duration of more than 31 days (21 days if Bronze cover selected) will NOT be covered under this policy and you should arrange separate insurance for the whole duration of these trips.
The limits of cover under each section are shown on the Summary of Cover and apply to each insured person. This policy has an excess as shown on the Summary of Cover which will be deducted in the event of a claim under certain sections. The excess is applicable per person, per policy section, per insured incident.
If you have selected the excess waiver option and paid the appropriate additional premium and it is shown on your policy certificate you will not have to pay the excess.
Cancellation cover starts from the time of booking a trip providing it is within the period of cover as shown on your Policy Certificate and ends when you leave your home to commence the trip.
All other sections of cover start from when you leave your home to commence the trip. Cover applies for the duration of the booked trip (or earlier return to the United Kingdom) including the period of travel directly to the departure point and back home directly afterwards, not exceeding 24 hours in each case.
If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for up to 30 days maximum.
If your cover does not meet your requirements, please notify us within 14 days of receiving your policy for a refund of your premium. If during this 14 day period you have travelled, made a claim, or intend to make a claim then we are entitled to recover all costs for those services that you have used. Please note that your cancellation rights are no longer valid after this initial 14 day period.
This insurance can be extended to cover work abroad subject to payment of an additional premium (Not applicable to Bronze Cover). You are not covered under the Personal Liability section when you are working.
We will send you a renewal notice prior to the expiry of the Period of Cover as shown on your Policy Certificate. The terms of your cover and the premium may be varied by us at the renewal date. We will give you at least 21 days written notice before the renewal date should this happen.
At renewal you must tell us about relevant facts and check to see that you still comply with the Health Warranty as this may affect the cover provided. If you do not comply with the Health Warranty, this may invalidate your insurance.
It is your duty to inform us of any fact, which is likely to influence us in the acceptance, assessment or continuance of this insurance. Failure to do so may invalidate this insurance, leaving you with no right to make a claim.
It is very important that this insurance provides adequate cover for your trip. To ensure that it does, and for your peace of mind, you must tell us as soon as possible about anything, which could give rise to a claim.
We do not cover pre-existing medical conditions. You can still take out a World Nomads policy with a pre-existing medical condition, but we won't cover any claim made directly or indirectly as a result of a pre-existing medical condition.
Note: We recommend when travelling that you arrange full insurance cover for medical emergencies. If you decide to travel without full cover you may incur cancellation charges and large medical bills which you may need to pay immediately. Overseas medical treatment and repatriation costs can be very high and could have serious financial implications for you.
You must notify us in +44 (0) 870 270 2770 if after you have purchased your policy and/or booked a trip you become aware of any change regarding your health which will require tests, investigations or in-patient treatment. We will then decide if we can provide you with cover on existing terms. If we cannot provide cover, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively you can cancel your policy and we will send you a pro-rata refund.
We reserve the right not to extend the policy where the booked trip could be detrimental to your well being.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover.
Whenever the following words appear in bold in this policy they will always have these meanings:
The solicitor or appropriately qualified person, firm or company, including us , who is chosen to act for you in your claim for compensation.
Any person resident in the United Kingdom whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.
The lead insured and spouse (or co-habiting partner) named in the Policy Certificate
Return home before the scheduled return date.
European Mainland, Republic of Ireland, The Channel Islands, The Azores, Madeira, The Canary Islands, Morocco, Tunisia, Israel, Mediterranean Islands, Turkey and territories formally known as USSR west of the Ural Mountains
Albania, Andorra, Austria, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Slovakia, Denmark, Finland, France, Greece, Germany, Hungary, Iceland, Italy, Lapland, Liechtenstein, Luxembourg, Malta, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovenia, Spain, Sweden, Switzerland.
A person who testifies in a court of law because they have specialist knowledge in a particular field or area of expertise, entitling that person to testify about their opinion on the meaning of facts.
You and your spouse (or co-habiting partner) and your financially dependent children under 21 years old and in full time education, at the inception date of your policy, all normally resident with you and named in the Policy Certificate.
Participating in any sport or activity which could pose an increased risk or danger to you , and may require you to take additional precautions to avoid injury or claim. (A list of included sports and activities covered by this insurance are shown in Section 15)
The unlawful seizure or wrongful exercise of control of an aircraft or conveyance in which you are travelling as a passenger.
Your usual place of residence in the United Kingdom
Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister resident in the United Kingdom.
Elvia Travel Insurance International N.V. (Netherlands)
Work carried out to support a claim that we have agreed to. This includes settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings other than an application by you :
Fees, costs and expenses (including Value Added Tax) which we agree to pay for you in connection with legal action . Also, any costs which you are ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.
Physical, permanent and total loss of use at or above the wrist or ankle.
The complete, irrecoverable and irremediable loss of all sight in one or both eyes.
A registered practising member of the medical profession who is not travelling with you , who is not related to you or to any person with whom you are travelling or intending to stay with.
Cash, any legal currency, travellers' cheques, cheques, postal and money orders and passport held by you for social domestic and/or pleasure purposes.
Disablement as a result of which there is no business or occupation, which you are able to attend and to which having lasted for a period of 12 months, is, at the end of that period, beyond hope of improvement.
Accidental bodily injury caused solely and directly by outward violent and visible means.
Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip.
Ongoing medical or dental condition, or related complication you have, the symptoms of which you are aware of, or that is currently being or has been investigated by a medical practitioner, dentist or a chiropractor; or a medical or dental condition for which advice, treatment or medication has been prescribed by one of the people listed in this definition, within 180 days before you purchased your policy and/or booked a trip. This applies to you, your travelling companion, an immediate relative or someone upon whom your trip depends.
Any fare paying passenger on the following regular scheduled forms of transport: train, coach, bus, aircraft and sea vessel.
Any person being declared redundant, who is under 65 years and under the normal retiring age for someone holding that person's position, and who has been employed for 2 continuous years with the same employer at the time of being made redundant.
Conventional scuba diving only. We do not cover any unaccompanied dive, any dive in over head environments, any dive for gain or reward, or any dive below 30 metres (50 metres if the appropriate additional premium has been paid). You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
Mask, fins and snorkel, diving suit and boots, buoyancy jacket and dive bag, regulator set including first and second stages plus gauges, dive watch and dive computer, underwater camera equipment.
You and your financially dependent children under 21 years old and in full time education, at the inception date of your policy, all normally resident with you and named in the Policy Certificate.
Antigua and Barbuda, The Bahamas, Barbados, Cuba, Dominica, Dominican Republic, Grenada, Haiti, Jamaica, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Anguilla, Aruba, British Virgin Islands, Cayman Islands, Guadeloupe, Martinique, Montserrat, Navassa Island, Netherland Antilles, Puerto Rico, Turks and Caicos Islands, Virgin Islands
When you are not in full view of and not in a position to prevent unauthorised interference with your property.
England, Scotland, Wales, Northern Ireland and the Isle of Man
Watches, furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, computers and or accessories (including laptops, games & gaming consoles), video equipment, camcorders and audio equipment including personal stereos, DVD, mini-disc players, i-pods and MP3 players, CDs, DVDs, tapes, films, cassettes, cartridges, headphones and televisions.
Millstream Underwriting Ltd on behalf of Elvia Travel Insurance International N.V. (Netherlands) Mondial Assistance (UK) Limited is ELVIA's appointed administrator in the United Kingdom.
Conventional skiing / snowboarding only. We do not cover any competition, free-style skiing, ski jumping, ice hockey, use of bobsleighs or skeletons, repetitive travel in ski run helicopters. Off-piste skiing is only covered if you are under the care and direction of a locally qualified guide or instructor.
Skis, bindings, ski boots, ski poles, snowboards and specialised clothing
For the purposes of this policy clerical business activities of the insured only. This includes non-manual or light general work not involving:
Worldwide excluding United States of America, Canada, Japan and the Caribbean.
Worldwide
Each insured person as shown on your Policy Certificate.
This section is optional if you have selected Bronze Cover and an additional premium must be paid to include (please refer to your Policy Certificate).
You are covered up to the limits as shown on the Summary of Cover for loss of travel and accommodation expenses, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of cover:
This section is optional if you have selected Bronze Cover and an additional premium must be paid to include (please refer to your Policy Certificate).
This section includes the services of the Emergency Medical Assistance Service who must be contacted immediately in the event of you suffering from a serious injury, illness or hospitalisation, or where repatriation has to be considered.
The 24 hour Emergency Medical Assistance telephone number is: +44 (0) 845 643 2628.
You are covered up to the limits as shown on the Summary of Cover for the value of the portion of your travel and accommodation expenses, calculated from the date of your return to your home, which have not been used and which were paid before your departure from your home.
You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to a cause listed below:
You are covered up to the limit as shown on the Summary of Cover in respect of Loss of Limb, Loss of Sight, Permanent total disablement or death (which will be paid to your legal representative), if you have a Personal Accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent death or disability.
If you are aged under 16 years at the time of the accident the death benefit will be limited to funeral and other reasonable costs up to £1,000 and the Permanent total disablement benefit will not apply.
We will only pay the benefit for the Permanent total disablement if your medical practitioner or specialist confirms that you cannot do any paid work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.
Note: This is not a private health insurance policy. It only covers you if there is a sudden and unexpected accident or if you become ill during a trip.
If you are admitted to hospital as an in-patient overseas, the Emergency Medical Assistance Service must be notified immediately. They will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary.
You must maintain contact with the Emergency Medical Assistance Service until your return home or until you no longer require treatment or assistance.
If you receive out-patient treatment (no hospital admission) and the costs are likely to exceed £1,000 you must refer to the Emergency Medical Assistance Service for authorisation.
If you receive out-patient treatment (no hospital admission) in Spain, Greece, Cyprus, Portugal or Turkey, show this document to the doctor and your treatment will be paid through ChargeCare International in line with the policy wording. The doctor will ask you to fill in a form to confirm treatment and may request you to pay the excess.
If you receive out-patient treatment (no hospital admission) in other countries, it may be easier to pay any bills yourself. Keep all receipts and submit a claim when you return home. If you are in any doubt, call the Emergency Medical Assistance Service for help.
24 hour Emergency Medical Assistance telephone number: +44 (0) 845 643 2628
You are covered up to the limit as shown on the Summary of Cover for costs incurred during your trip
Note: If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare. Apply by calling 0845 606 2030 or online at www.ehic.org.uk. Application forms are also available at the post office. If you are travelling in Australia and require medical treatment, you must enrol with Medicare. For more information on Medicare visit www.medicareaustralia.gov.au/ .
This section does not apply to trips within the United Kingdom.
This benefit is payable only if the hospital admission has been covered under the terms of the Emergency Medical Expenses section. The benefit payment is intended to contribute towards miscellaneous expenses that may be incurred whilst you are an in-patient (e.g. taxi fares and telephone calls). This policy does not provide compensation for loss of holiday / enjoyment.
You are covered up to the limit as shown on the Summary of Cover for:
This section is optional if you have selected Bronze or Silver Cover and an additional premium must be paid to include (please refer to your Policy Certificate).
This section is optional if you have selected Bronze or Silver Cover and an additional premium must be paid to include (please refer to your Policy Certificate).
You are covered up to the limit as shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is £50.
In the event of a claim for loss of cash you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange / withdrawal slips, bank /credit card statements).
This section does not apply to trips within the United Kingdom.
You are covered up to the limit as shown on the Summary of Cover for reasonable additional travel or accommodation expenses you have to pay whilst abroad, over and above any payment which you would normally have made during the trip if no loss had occurred, as a result of you needing to replace a lost or stolen passport or driving licence.
You must provide receipts for all costs incurred.
This section does not apply to trips within the United Kingdom.
You are covered if your initial outward or final return flights, sea crossing, coach or train departure to or from the United Kingdom are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
then a benefit of:
This section does not apply to trips within the United Kingdom.
You are covered up to the limit as shown on the Summary of Cover for necessary hotel and travelling expenses incurred in reaching your booked destination, if you arrive too late to commence your booked trip from or to the United Kingdom as a result of:
Note: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance.
You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of:
We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
You are covered if you die, are ill or injured during your trip and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following:
Nominate an appointed adviser to act for you . If you and we cannot agree on an appointed adviser, the matter can be referred to an Alternative Resolution Facility.
For each event giving rise to a claim pay up to the limit shown on the Summary of Cover of legal costs for legal action for you (but no more than twice the limit shown on the Summary of Cover in total for all persons insured on the policy).
You are covered up to the limit as shown on the Summary of Cover, for each complete 24 hour period you are the victim of a hijack.
This section does not apply if you have selected Bronze Cover and is limited to subsections A and B only if you have selected Silver Cover (please refer to the Summary of Cover).
You are covered for:
The Emergency Medical Expenses section of this insurance is extended to cover you whilst partaking in winter sports.
The Personal Liability section of this policy is extended to cover you whilst partaking in winter sports.
You are covered up to the limit shown on the Summary of Cover for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip, limited to the single item limit for any one item. For winter sports equipment over 5 years old the maximum we will pay is £50.
In the event of a claim you must provide the following documentation:
You are covered up to the limit shown on the Summary of Cover for the reasonable cost of hiring winter sports equipment for the rest of your trip or until your own or hired winter sports equipment has been returned to you , if:
In the event of a claim you must provide the following documentation:
You are covered up to the limit shown on the Summary of Cover for the value of the unused portion of your ski school, resort pass, lift pass and winter sports equipment hire costs limited to £150 per week, if:
In the event of a claim you must provide the following documentation:
You are covered up to the limit shown on the Summary of Cover if during the period of your stay, on-piste skiing at the resort that you had pre-booked is not available due to lack of snow or excessive snow or avalanche conditions, then:
In the event of a claim you must provide documentation from the resort's management confirming how long the piste was closed at your resort and the reason.
You are covered when participating in sports and activities listed under Level 1.
You are covered when participating in sports and activities listed under Level 2 if you have selected Gold Cover.
You are covered when participating in sports and activities listed under Level 2 if you have selected Bronze or Silver Cover and you have paid the appropriate additional premium (please refer to your Policy Certificate).
| Level 1 | Level 2 |
|---|---|
|
Abseiling (max 100m) (a,c) Angling Archery (a,b) |
Abseiling (over 100m) (a,c) Aerial Safari (a,c) American Football (c) |
|
Badminton Black Water Rafting - (Grades 1-3) (a) Bowling Bungee Jumping (max 2 jumps per trip) (a,c) |
Ballooning (as a passenger only)(a) Black Water Rafting (Grades 4-5) (a,c) Bouldering Bungee Jumping (3 or more jumps per trip) (a,c) |
|
Camel/Elephant riding/trekking (b) Canoeing (inland/coastal, no White Water) (a) Clay Pigeon Shooting (a,b) Climbing wall (max 100m) (a,c) Cycling (no touring) |
Canoeing White Water (Grade 1-3) (a) |
| Deep Sea Fishing (a) | Equestrian activities other than trekking and hacking |
| Fell Running/Walking (without ropes, picks or specialist climbing equipment) | Football (including 5 a side) |
| Golf Gymnastics (a) |
Go-Karting (a,b) |
|
Hiking without ropes, picks or specialist climbing equipment up to 1500m Horse Riding (Hacking only – incidental to trip, no jumping) Hot-Air Ballooning (as a passenger only) (a) |
Hiking without ropes, picks or specialist climbing equipment up to 3000m (a) Hockey Horse Riding/Trekking (main purpose of trip) Hunting on foot, animal or machine (a,b,c) |
| Ice Skating (in-door only) | |
| Jet Boating / Jet Skiing (inland/coastal waters, no White Water) (a,b) | Jet Boating / Jet Skiing White Water (Grades 1-2) (a,b) |
| Kayaking (inland/coastal waters, no White Water) (a) |
Kayaking White Water (Grades 1-3) (a) Kite Surfing (c) |
|
Martial Arts (non-contact) Mountain Biking (on road) (b,c) Motor Biking (up to 125cc, helmet to be worn and the rider must have the appropriate valid UK licence for the machine) (b,c) |
Mountain Biking (off-road, day trip) (b,c) Motor Biking (excluding touring by motorbike or where a motorbike is the main mode of transport), helmet to be worn and the rider must have the appropriate valid UK licence for the machine. (b,c) |
| Netball | |
|
Orienteering (a) Outdoor Endurance (a) Outward Bound (a) |
|
|
Paint balling (a,b) Parasailing (a) Parascending (over water only) (a) Passenger private small aircraft/helicopter (a,c) |
Parachuting (1 Jump only) (a,c) Quad Biking (a,b,c) |
|
Rambling Roller Skating/Blading (no stunting) Rowing/Sculling (inland/coastal waters, no White Water) Rifle range shooting (a,b) |
Rugby (c) |
|
Safari Tours (a) Sailing (coastal waters only) (a,b) Scuba Diving (30m) (a) Snorkeling Speed Boating (inland/coastal waters ONLY, no White Water) (a,b) Squash Surfing (incidental to trip) Swimming |
Sailing outside coastal waters (Europe ONLY) (a,b) Scrambling Scuba Diving (50m) (a) Sea Canoeing (coastal waters only) Surfing (main purpose of trip) |
|
Table Tennis Ten Pin Bowling Tennis Trekking (without ropes, picks or specialist climbing equipment up to 1500m) |
Trekking (without ropes, picks or specialist climbing equipment up to 3000m) (a) |
| Volleyball | |
|
Water Skiing (no jumps) (a,b) White Water Rafting (grades 1-3) (a,c) Wind Surfing (incidental to trip) (b) Yachting (coastal waters only) (a,b) |
White Water Rafting (Grades 4-5) (a,c) War Games (a,b) Wind Surfing (main purpose of holiday) (b) Yachting outside coastal waters (Europe ONLY) (a,b) |
The following conditions and exclusions apply to individual sports and activities where highlighted in the sport and activities list above
You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary
If included in your policy (please refer to your Policy Certificate and the Summary of Cover) this section covers you for scuba diving, to a maximum depth of 50 metres, using standard manufacturers diving equipment.
You are covered up to £1,000 for the value or repair of your own scuba diving equipment (after making proper allowance for wear and tear and depreciation) or hired scuba diving equipment that is lost, stolen or damaged during your trip, limited to £300 in respect of any of the following group of items:
In the event of a claim you must provide the following documentation:
You are covered up to £300 for the reasonable cost of hiring scuba diving equipment for the rest of your trip or until your own or hired scuba diving equipment has been returned to you if:
In the event of a claim you must provide the following documentation:
You are covered up to £25 per day to a limit of £250 if you are unable to scuba dive, in the event of;
This section is optional if you have selected Silver or Gold Cover and an additional premium must be paid to include (please refer to your Policy Certificate).
If you have paid the appropriate premium to include (please refer to your Policy Certificate) this insurance is extended to cover you whilst working abroad and also covers the following
You are not covered for anything caused directly or indirectly by the following, unless you have contacted us and we have confirmed in writing that you will be covered:
All claims must be submitted within 60 days of the incident giving rise to the claim.
First, check this wording to make sure your claim is valid:
The travel agent, tour operator, provider of transport or accommodation must be contacted immediately and you must obtain a cancellation invoice. The original tickets and booking forms / receipts will also be required to support your claim. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629. They will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the cancellation).
Call the Emergency Medical Assistance Service on +44 (0)845 643 2628 if you are ill or injured, their authorisation must be obtained before you cut short your trip. All original ticket stubs/booking forms/receipts should be retained and submitted to support your claim. Contact the Claims Service for a claim form by email at claims@mstream.co.uk or by phone +44 (0) 845 643 2629. They will advise you of any additional supporting documentation required (this will be dependent upon the reason for the curtailment).
If serious injury is incurred in which you are admitted to hospital abroad or require significant out-patient treatment, call our Emergency Medical Assistance Service on +44 (0) 845 643 2628 as soon as possible. You will be given advice on what to do and the assistance you require. All original receipts for medical consultations / treatment / medication etc should be retained and submitted to support your claim.
If you need out-patient medical treatment (no hospital admission) or minor in-patient treatment (less than 3 days hospitalisation) please provide a copy of your Policy Certificate to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment.
This service is available in the following selected countries:
Out-Patient treatment: SPAIN, GREECE, CYPRUS, TURKEY and PORTUGAL
Minor In-Patient treatment: SPAIN, GREECE and CYPRUS
Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). All original receipts for medical consultations / treatment / medication etc should be retained and submitted to support your claim.
Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the loss/theft. If the loss occurs during travel, you must obtain a property irregularity report from the carrier. For all item(s), pair or sets of items over £50, you will also be asked to provide the original receipts. If you cannot find the original receipts, other proof of ownership (such as bank / credit card statements and photographs of yourself wearing the item) may be offered to support your claim instead.
If personal baggage is delayed a written report from the carrier (e.g. airline, shipping company etc) is required detailing the length and cause of the delay. Retain all the receipts which relate to any emergency replacement items you have purchased.
Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629.
Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the loss/theft. You may be asked to provide proof of the withdrawal of the money from the bank. Please remember that the loss of money must occur whilst it is carried on your person or whilst it is left in a locked safety deposit box. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629.
Written confirmation must be obtained from the airline, shipping, coach or train company stating the period of the delay and the reason for the delay. Please remember that cover for travel delay is provided for specific reasons only:
Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629.
Written confirmation must be obtained from the transport company, police or roadside assistance service confirming the location, reason and duration of the delay. Contact the Claims Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629
Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit liability at any time. The Claims Service must be notified immediately by email on claims@mstream.co.uk or by phone on +44 (0) 845 643 2629.
We aim to provide a first class level of service at all times. If, for any reason, you feel that our service is not of the standard you would expect, please tell us . You should address any enquiries or complaints, in writing to:-
The Managing Director
Millstream Underwriting Limited
PO Box 18381,
London, EC3M 7AU
Please supply us with your name, address, policy number or claim number and enclose copies of relevant correspondence as this will help us deal with your complaint in the shortest possible time.
If you are not satisfied with our final response, you can refer the matter to:
The Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall
London, E14 9SR
Please note that the Financial Ombudsman Service will not consider your complaint until you have received a final decision from Millstream Underwriting Limited.
Information about your policy may be shared between Worldnomads Limited, Millstream Underwriting Limited and ELVIA Travel Insurance International N.V. (Netherlands) for underwriting purposes.
Please note that sensitive health and other information you provide may be used by us , our representatives and other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure that your information is held securely.
Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English. We, the insurer and you do not intend any term of this contract to be enforceable pursuant to the Contract (Rights Of Third Parties) Act 1999.
Worldnomads Annual travel insurance is underwritten by Millstream Underwriting Limited on behalf of Elvia Travel Insurance International N.V. (Netherlands) Mondial Assistance (UK) Limited is ELVIA's appointed administrator in the United Kingdom.
Millstream Underwriting Limited (FSA Firm Ref: 308584) and Mondial Assistance (UK) Limited (FSA Firm Ref: 311909) are authorised and regulated by the Financial Services Authority (FSA).
ELVIA Travel Insurance International N.V. (Netherlands) is authorised by De Nederlandsche Bank (DNB) in the Netherlands and regulated by the FSA for conduct of UK business
The FSA holds a register of all regulated firms on its website visit www.fsa.gov.uk/register or you can contact them by phone on 0845 606 1234.
Millstream Underwriting Limited and Mondial Assistance (UK) Limited will act as agents for ELVIA Travel Insurance International N.V. (Netherlands) with respect to the receipt of customer money and for the purpose of settling claims and handling premium refunds
Millstream Underwriting Limited, Registered in England No. 3896220, Registered Office: 40 Lime Street, London EC3M 7AY.
Mondial Assistance (UK) Limited, Registered in England No. 1710361. Registered Office: Mondial House, 102 George Street, Croydon CR9 1AJ.
In the event that the insurer, ELVIA Travel Insurance International N.V. (Netherlands) is unable to pay a claim you may be entitled to compensation from the Financial Services Compensation Scheme. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk
Welcome to Enjoy - an addition to your travel insurance that provides a wealth of services, available at home and whenever you travel abroad. Enjoy does not form part of your insurance contract. These services are not regulated by the Financial Services Authority.
Calls from the UK are charged at standard national call rates.
If you are visiting a country not listed or experience any difficulty with the access numbers, you can call +44 (0)1737 815266 where you will be connected to the appropriate Enjoy service by Customer Services.
Your Enjoy membership entitles you to utilise the services outlined in this user guide, for the period specified on your Policy Certificate. Please refer to our Terms & Conditions for details of usage and any restrictions that may apply.
A comprehensive "What's on" service around the world that provides information on sporting activities, concerts, festivals, art exhibitions, theatres, theme parks, health clubs and other leisure facilities for most major international cities. The service also extends to nightlife in many resorts and cities with recommendations for jazz clubs, comedy clubs, discotheques, casinos, and nightclubs.
If you wish to book a particular event or venue, such as a West End play or football match, Enjoy will utilise its extensive supplier network to source tickets and arrange payment* and collection on your behalf.
* Applicable payment to be made on your credit or debit card, with no supplementary charges to prices quoted.
Applicable in the UK and worldwide, Enjoy provides a search and reservation facility for hotels and restaurants, to suit your taste as well as your pocket. Information includes location, rating, amenities, pricing and availability. The service also operates in conjunction with our 'route planner' with optional overnight accommodation arranged for planned journeys across the UK and Europe.
Enjoy can help you plan in advance the most suitable route for a specific journey, either in the UK or Europe. Your personalised itinerary will provide an indication of the cost, the distance and the likely duration of the journey, and will also highlight tourist attractions and places of interest en route. In the UK, Enjoy also provides an updated information service on traffic conditions and likely trouble spots across the motorway network. For international travel requirements, Enjoy has access to the latest on-line reservation and information systems to help plan and arrange a complete travel itinerary. All bookings, including air travel on scheduled flights, are arranged via a nominated ABTA agent.
For an important occasion or anniversary Enjoy can assist with the choice of the most suitable gift, at an agreed budget, from a wide selection of wines and spirits, fine foods, chocolates, and flowers. Purchase* and delivery can be made on your behalf, and sent with a greetings message of your choice. Enjoy will also ensure that your gift arrives on time and in good condition
* Applicable payment to be made on your credit or debit card,with no supplementary charges to prices quoted.
Certain products, especially clothing and fashion accessories that are advertised or featured in a magazine, are sometimes elusive when it comes finding them in high street stores. Enjoy can help you track down such items and once sourced, arrangements can be made for the purchase* and delivery on your behalf.
* Applicable payment to be made on your credit or debit card, with no supplementary charges to prices quoted.
During a foreign trip there may be an urgent need for you to contact a friend, relative or colleague and in certain instances it can be difficult to establish communication with the recipient. In this situation, Enjoy will send a message, at a time to suit you , by telephone, fax or e-mail.
When abroad, if an important document requires translation or you need help in communicating in a foreign language, then Enjoy will arrange for one of its multi-lingual advisors to provide the appropriate service either verbally by phone, or by fax or e-mail.
If an emergency situation involving potential legal action , claim or liability occurs whilst abroad, Enjoy will provide expert practical advice from a panel of qualified solicitors and barristers.
Enjoy advisors can provide practical advice and information on virtually any travel related issue, as well as to offer hands-on assistance in the event of an emergency situation arising:
Enjoy has on-line access to details of all major airline carriers and is able to provide an up to the minute status, including delays and ETAs, on most flights both in and out of the UK.
With the growth in budget airlines it is not uncommon to find that airport parking costs more than the flight itself. Enjoy has negotiated preferential parking rates at all major UK airports and, as an alternative to long stay parking, can also arrange for delivery and collection by limousine. Bookings for UK and International car rental at discounted rates are also available from Enjoy.
Enjoy can arrange for UK passports and foreign visa applications to be processed by an officially accredited agency, helping you avoid the frustration and delays caused by incorrectly completed forms, as well as the congestion that occurs in passport offices at busy times of the year. Services include:
From a database of over 250 countries, Enjoy can provide a pre-trip health planner for any trip abroad. Recommended when travelling long haul, to non tourist destinations, or when staying in less than 3 star accommodation, HealthBrief provides a healthcare profile matched to your travel itinerary by country, time of visit, type of living conditions and age. A HealthBrief is issued to you by first class post and contains the following information:
Designed for convenience and to help avoid any language problems, TeleCare provides 24 hour access to expert medical professionals in the UK from over 100 countries worldwide. TeleCare offers a fast and convenient way to obtain practical help and information on virtually any situation you are likely to experience when travelling abroad, with a confidential service that is fully compliant with UK medical protocols:
You are automatically enrolled with The Blood Care Foundation programme under your travel insurance. In the event of a medical emergency, you will have access to resuscitation fluids, sterile transfusion equipment and screened blood, where supplies are not readily available in your locality. your attending doctor will order the supplies, via the emergency assistance company, which will be delivered from one of 30 worldwide regional supply points, by courier, normally within 18 to 24 hours.
Following the events of 9/11 and the ongoing threat of terrorism around the world, it is important to ensure that any country on a planned business or pleasure trip is validated as safe to visit by the FCO. Enjoy has online access to the FCO database, providing you with the most up to date information on any likely trouble spots and no-go areas, as well as general guidance for any country worldwide.
In association with Travelex Global and Financial Services Limited, Enjoy offers a convenient and seamless process for ordering holiday money. All products can be ordered by phone and are delivered to your home address by registered post, normally within 24 hours of purchase:
| INTERNATIONAL ACCESS NUMBERS | |||
|---|---|---|---|
| Alaska | 1888 237 7855 or 1800 635 4110 | Italy | 800 870 939 |
| Argentina | 0800 333 5240 - dial 677* at 2nd tone | Italy Mobile & Payphone | 800 781 034 or 800 879 994 |
| Australia | 1800 553 161 or 1800 504 091 | Japan | 00531 7800 30 |
| Austria | 0800 29 3272 | South Korea | 00308 140077 |
| Bahrain | 8000 0600 | Liechtenstein | 0800 837 175 |
| Belgium | 0800 11 008 or 0800 14 321 | Lithuania | 8800 9 1000 - dial 677* at 2nd tone |
| Bermuda | 1800 623 0459 or 1800 623 0758 | Luxembourg | 800 23907 |
| Brazil | 0800 891 6736 | Madeira | 800 819 260 |
| Brunei | 800 013 - dial 677* at 2nd tone | Malaysia | 1800 808 379 |
| Bulgaria | 00 800 1300 - dial 677* at 2nd tone | Malta | 800 90 112 - dial 677* at 2nd tone |
| Canada | 1866 464 1061 | Mexico | 00 1800 514 3881 |
| Canary Islands | 900 971 607 or 900 944 407 | Monaco | 0800 906 706 or 0800 918 107 |
| Chile | 800 532 837 | Netherlands | 0800 022 8992 |
| China (North) * | 10800 714 0732 | New Zealand | 0800 445 425 |
| China (South) * | 10800 140 0727 | Nicaragua | 1800 00551 dial 677* at 2nd tone |
| Colombia | 01800 919 3592 | Norway | 800 11 247 |
| Corsica | 0800 918 107 or 0800 906 706 | Philippines | 1800 1110 0074 |
| Croatia | 0800 22 0116 - dial 677* at 2nd tone | Poland | 00 800 451 1512 |
| Cyprus | 800 95125 | Portugal inc Azores | 800 819 260 |
| D | |||