KEY EXCLUSIONS*

• The first £50 of each claim for each insured person in respect of Medical and Additional Expenses or Cancellation and Curtailment or Journey Continuation and Delay or Personal Baggage Clothing or Effects.
• Certain Other Medical and Additional Expenses.
• Certain Cancellation and Curtailment Expenses.
• An insured person travelling contrary to medical advice or travelling after a terminal prognosis.
• Participation in Mountaineering or Rock-Climbing (involving ropes), participation in Motorsports and participation in Aeronautics or Aviation unless as a fare paying passenger.
• Claims arising out of pregnancy and childbirth if the expected delivery date is during the trip or within 8 weeks of the end of the trip.
• Claims caused by alcohol abuse, drugs or solvents (other than drugs prescribed by a Medical Practitioner.
• Cancellation due to deciding not to travel.
• Claims in respect of circumstances known at the time of booking a trip, which could reasonably have been expected to give rise to a claim.
• Loss of personal effects (including baggage) travellers’ cheques or money when unattended.
• Claims in connection with a business trip or occupation unless agreed by Underwriters.
• Claims resulting from Coronavirus disease (COVID-19), Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2), any mutation or variation of SARS-CoV-2 or any fear or threat of these diseases.

* Full list of all exclusions is available upon request.