About Open Travel Insurance
The Open Travel Insurance Scheme provides tailored travel insurance, underwritten by Lloyd’s Syndicate 4444 which is managed by Canopius Managing Agents Limited, to members of the Women’s Institute. Our aim is to provide a quality service at a standard that provides true peace of mind to the frequent traveller. In working with the Women’s Institute we have designed a travel insurance product that members can rely on; easily accessed Online or via our expert Travel Team who are ready to assist.
The scheme is open to all UK resident members of the Women’s Institute aged between 40 and 74 and their families.
About the Scheme & Eligibility*
- Open to members of WI aged between 40 and 74 and their families
- Travel is solely for leisure purposes
To be eligible for cover you must:
- Be a UK resident WI member
- Be aged between 40 and 74 at the time the first period of cover starts (thereafter no upper age limit will apply)
- Not suffer from a chronic breathing condition
You must be medically fit to travel:
a) on the date of booking any trip and either paying for the trip in full or
paying the initial instalment or deposit towards the final cost of the trip; and
b) on the date(s) you pay any further balance(s) or instalments towards
the final cost of the trip; and
c) on the date of departure on the trip.
Being medically fit to travel means:
(i) any existing medical condition(s) you have must be stable and
controlled by any treatment you are receiving and/or medication(s)
you have been prescribed; and
(ii) there must be no known likelihood of any specialist or specific medical
tests, investigations or variation of treatment or medication for any
existing medical condition(s) on any of the above dates, or whilst
travelling; and
(iii) you are not awaiting surgery for any diagnosed medical condition; and
(iv) you are not exhibiting symptoms of an existing medical condition which
could mean that your trip could be cancelled or cut short
* Eligibility – You must be a UK resident WI member, aged between 40 and 74 years at the time the first period of cover starts (thereafter no upper age limit will apply). You must not be suffering from a chronic breathing condition and must be medically fit to travel as defined in the policy.
Over 40’s Annual Travel Scheme
The Open Travel Insurance scheme is available to all WI members aged between 40 and 74 years of age residing in the UK.
Once a scheme member no upper age limit will apply provided cover is not lapsed.
What’s included
If the eligibility requirements for this policy mean that we cannot offer you cover, or if you have medical conditions which mean that the policy may not be suitable for you or meet all your needs, you may be able to get help by accessing the MoneyHelper travel directory or by calling 0800 138 7777 (Open Monday to Friday, 8am to 6pm).
The package of benefits at a glance
Cancellation | Up to £5,000 |
Curtailment | Up to £5,000 |
Medical and additional expenses+ | Up to £5,000,000 |
Emergency dental treatment | Up to £750 |
Overseas local burial/cremation* | Up to £2,000 |
Repatriation of mortal remains to UK | Covered |
Emergency medical repatriation and evacuation* | Covered |
Compassionate overseas visit* | Covered |
Personal accident benefit (death, loss of limb(s), loss of sight, or permanent total disablement resulting from bodily injury caused by an accident)* In the event of death of a child under 16 |
£15,000
£3,000 |
Personal baggage Single item/set of items limit |
Up to £1,500 Up to £350 |
Delayed baggage (more than 12 hours)* | Up to £150 |
Personal money, (e.g. cash, travellers cheques, travel tickets) Cash limit |
Up to £500 Up to £250 |
Loss of passport | Up to £250 |
Delayed departure: every 12 hours* | £50 up to maximum £200 |
Extended delay | Up to £2,000 |
Missed departure | Up to £1,000 |
Catastrophe cover* | Up to £300 |
Legal expenses* | Up to £25,000 |
Personal liability* | Up to £2,000,000 |
UK travel cover | Various amounts payable |
Winter sports cover | Various amounts payable |
Please note: all benefits are subject to £60 excess except those marked with an asterick (*) The benefit marked with a cross (+) is subject to £60 excess unless a UK Global Health Insurance Card (UK GHIC) is used. Benefits are subject to conditions, limitations, and exclusions detailed in the membership agreement.
Where a medical benefit is shown as “Covered” in the table above, the overall £5,000,000 cover limit relating to medical and additional expenses applies. Where there is a specific limit or amount payable for any individual medical benefit, this is stated.
Policy Pricing
All premiums are payable annually in advance.
Members have the flexibility to join the scheme at any point.
Membership of the scheme automatically renews each year on the 1st of November (renewal date) for all existing members.
Annual premiums for the Open Travel Insurance Scheme for year commencing 1st November 2024:
Single | £623.00 |
Couple | £833.00 |
Family | £885.00 |
Prices include Insurance Premium Tax at 20%
Apply Your Cover
Download and complete the Application Form and Direct Debit Mandate.
Complete both forms and post to:
Open Travel Insurance
Grove & Dean Private Clients Limited
7 Station Lane
Hornchurch
Essex
RM12 6JL
No cover can be incepted until the Application Form (including the Direct Debit Mandate) is received and accepted by underwriters.
Here are the answers to some frequently asked questions:
Open Travel Insurance
– Membership Scheme
Scheme Administrator Contact Details
Open Travel Insurance is administered by Grove & Dean Private Clients – authorised and regulated by the Financial Conduct Authority under firm reference number 307002
No personal recommendations are made for customers.
All information provided is to enable a customer to make his/her own purchasing decision.
Contact Form
To send us a message, please fill in the fields below and click ‘send’. We will aim to reply within one working day.
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Call us:
0800 221 8800
Email us:
oti@grove-dean.co.uk
Write to us:
Open Travel Insurance
Grove & Dean Private Clients Limited
7 Station Lane
Hornchurch
Essex
RM12 6JL
Open Travel Insurance is a trading name of P J Hayman & Company Limited, authorised and regulated by the Financial Conduct Authority; firm reference number 497103.