Travel Insurance

Provided by AIG Europe Limited

Frequently Asked Questions

What is Travel Insurance?

Travel Insurance is designed to provide cover for specified reasons including emergency medical expenses you incur as a result of becoming ill overseas, loss or theft of belongings, the cost of your trip if you become ill and are not able to travel.

Are there any exclusions or limitations to the policy?

Yes. This travel insurance does not cover pre-existing medical conditions unless declared to and accepted by AIG in writing by phoning 0345 605 0057 (a pre-existing medical condition is a medical condition or any illness related to a medical condition which you or your companions knew about when purchasing this insurance). This travel insurance also excludes comparatively high-risk activities. For a complete listing of exclusions and limitations, please refer to the General conditions and General exclusions as shown on pages 16 to 18 of the Policy Document along with the exclusions and conditions which apply to the sections of insurance as shown on pages 19 to 43.

Are there any countries excluded under my insurance?

Yes, your policy does not provide cover for any trip in, to or through the following countries:
Cuba, Iran, Syria, Sudan, North Korea or the Crimea Region.

Do I need to carry my policy with me when travelling?

To take advantage of 24-hour emergency assistance, all you need is your policy number and the 24-hour medical emergency number. Although you do not need to carry proof of cover for cover to be in effect it is suggested that you do as some foreign medical providers may wish to see documentation.

How do you define a family?

A family is defined as an individual and his or her partner (provided they live together) and up to 4 of their dependent children who are aged under 18 at the date you buy this policy (who are either in full time education or living with them).

If I buy a family policy can my wife travel alone?

Unlike many multi-trip policies, the Annual Multi Trip policy does provide cover for insured Adults travelling independently. Children can only travel without the main policyholder if they are travelling with a relative, guardian or person with a legal duty of care.

How do you define a partner?

A partner is considered a person who you live with who is either your husband or wife, civil partner, fiancé, fiancée, boyfriend or girlfriend.

Where can I obtain a copy of the Policy Wording?

This website will link you to the Policy Document. Although you do not have to carry a copy of the Policy Document in order for coverage to be in effect, it is suggested that you do so for handy reference.

When does my coverage begin? When does it end?

The Trip Cancellation protection becomes effective immediately upon purchasing your insurance. The remaining cover and services provided will take effect when you leave your home for this trip (provided this is not more than 24 hours before the booked departure time). All cover and services will terminate when you return to your home in the United Kingdom or Channel Islands (but not more than 24 hours after your return to the United Kingdom or Channel Islands) or at the end of the period shown on your policy, whichever is earlier.

Can I cancel my trip for any reason and get all my money back?

No. You may receive a reimbursement if you cancel for a covered reason as outlined in the Policy Document. Covered reasons include, but are not limited to, such unforeseen emergencies as illness, injury or death of you, your travelling companion and/or an immediate family member. Pre-existing conditions are not covered unless decalred to and accepted by AIG in writing (please phone 0345 605 0057 for details).

What if I change my mind after I purchase this Travel Insurance?

If this insurance does not meet your needs, we will refund your money as long as you email yorkshirebanktravel@aig.com within 14 days of buying your policy or the day on which you receive the Policy documents. We will refund your premium within 30 days from the date we receive notice of the cancellation, unless you are a Single Trip policyholder and you have travelled or made a claim before you asked to cancel the policy within the 14-day period. If you are an Annual Multi-Trip policyholder and you have travelled or made a claim before you asked to cancel the policy within the 14-day period, only a proportionate amount of your premium will be refunded.

I will be motor cycling during my holiday, am I covered?

Yes, this policy will cover you while using a two-wheeled motor vehicle provided: If you are the driver, you wear a crash helmet and you hold a licence which permits you to drive the two-wheeled motor vehicle under the laws of the country where you will be driving (if such a licence is required under the laws of that country).
If you are the passenger, you wear a crash helmet and you have reasonable grounds to believe that the driver holds a licence to drive the two-wheeled motor vehicle under the laws of the country where you be motor cycling (if such a licence is required under the laws of that country).

What can I do if I am older than the maximum age limit for the policy?

You may be able to obtain an alternative travel insurance policy by contacting:
British Insurance Brokers Association: www.biba.org.uk Tel: 0370 950 1790 (Lines open 9.00am-5.00pm Monday to Friday).

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