Travel Insurance – Gold policy
Full details of cover will be sent with your holiday confirmation/invoice or you can download our FULL INSURANCE POLICY here
Demands and needs
This travel insurance policy will suit the demands and needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the unforeseen events detailed in the cover section below. Subject to terms and conditions and maximum specified claims limits.
Important: We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information.
Important information about your Premier Holidays Travel Insurance
We strongly recommend insurance to all our customers. Premier Holidays have arranged through Holiday Extras, a holiday insurance. The applicable premium per person (set out below) must be included with the deposit. Full details of cover will be sent with your holiday confirmation/invoice.
Insurer - The insurance is underwritten by Allianz Global Assistance who are authorised and regulated by the financial conduct authority (FCA)
Policy Document - The policy wording gives you full details of what is and what is not covered and what to do if you need to claim. It is very important that you read the whole of this policy before you travel and make sure the cover is suitable for you. Please make sure that you take it on holiday with you in case of an emergency. A copy of the policy wording is available on request, if you require full details of cover prior to buying this insurance, please ask us to send you a copy.
Summary of cover - The following is only a summary of the main cover limits and you should read the policy document for the full terms and conditions. All details correct as at date of print but subject to change without notice.
Cancellation or curtailment: Up to £5000
Emergency medical & associated expenses: Up to £10 million
In-patient benefit: £15 per day up to £600
Loss of passport: Up to £300
Delayed personal possessions: £150
Personal money: Up to £300
Personal accident: Up to £25,000
Missed departure and journey disruption: Up to £1000
Travel Delay: £20 after 8 hours £20 each additional 12 hours up to £60
Abandonment: cancellation: up to £5000
Personal liability: Up to £2million
Legal Expenses: Up to £25,000
Financial failure: Up to £5000
Hi-Jack: £100 per day up to £500
Mugging: £50 per day up to £500
Pet care: Up to £500
Policy Limits - Each section of the policy shows the most you can claim but other limits may apply. For example under the Personal Possessions Section there are other specific limits for any one item and for valuables (including photographic equipment). If you intend to take expensive items with you please check that you are fully covered.
Conditions and exclusions - Your policy does not cover all possible events and expenses. There are conditions and exclusions that apply to individual sections of the policy and general conditions and exclusions that apply to the whole policy.
Health declaration and exclusions - These apply to the cancellation or curtailment charges, Emergency medical and associated expenses and Personal accident sections. It is very important that you read and understand the following and if necessary declare any existing medical conditions to the screening service, Latitude, on 0800 093 2750. Please carefully consider the questions below in relation to yourself and your travelling companions. To avoid unnecessary costs cost, you should only contact the screening service if the answer to questions 1, 2,3 or 4 is YES. If all the appropriate answers are NO then there is no need to contact Latitude and your conditions will be insured. If you do contact Latitude and go through a full screening when the appropriate answers are all NO then you will have to pay the appropriate additional premium quoted if you wish to cover your declared conditions.
- You are being prescribed regular medication.
- You have received treatment for or had a consultation with a doctor or hospital specialist for any medical condition in the past 2 years
- You are being referred to, treated by or under the care of a doctor or hospital specialist
- You are awaiting treatment or the results of any tests or investigations.
Please read your policy carefully for the full terms and conditions applicable and for details of who to call if you need to tell us about any medical condition(s).
Relevant facts - You must tell the insurer all relevant facts. A relevant fact is one that is likely to influence them in accepting your insurance. This could be the state of health of a close relative whose health may cause you to cancel or curtail your trip. If you are in any doubt as to whether a fact is relevant, you should tell the insurer. If you do not do so, this may result in a claim being invalid.
Cancellation rights - If your cover does not meet your requirements, please return the documentation within 14 days of receipt and your premium will be refunded in full unless you have travelled, made a claim or intend to make a claim. Please not that your cancellation rights are no longer valid after this initial 14 day period.
Making a complaint - The policy contains a complaint procedure which tells you what steps you can take if you wish to make a complaint.
Premiums - Including IPT at the relevant rate.
|UK, Channel Islands and the Isle of Man||Adults||Family||65–85 yrs|
|1 - 5 days||£22||£44||£26|
|6 - 10 days||£24||£48||£30|
|11 - 17 days||£29||£58||£34|
|18 - 24 days||£33||£66||£38|
|No cover is available for persons aged 86 and over at the time of purchasing insurance.
Family cover provides cover for two adults and their dependent children up to the age of 17 years.
Governing Law - Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English.
Premier Holidays is an Appointed Representative of Holiday Extras Ltd. Who are authorised and regulated by the Financial Conduct Authority (FCA).