All travellers covered under this policy must be Fit to Travel as defined on the website page ‘About the Scheme & Eligibility’. If you are in any way unsure of your fitness to travel (and/or others insured under the policy) you (they) should visit your (their) Medical Practitioner for confirmation. This includes confirmation that the Medical Practitioner is not aware of any likelihood of a cancellation or curtailment of travel as a result of tests or investigations or a major variation of treatment or medication.

If you wish to seek an alternate policy cover, one under which you may declare pre-existing conditions, in order to obtain a bespoke quotation please visit www.covermystay.com or contact us on 0800 542 7161.

We will confirm the commencement date of your insurance once we have received and approved your Application Form and Direct Debit Mandate. You can start your cover at any time but the premium remains the same from the agreed commencement date to the next anniversary of the scheme; being 1st November annually.

You have the right to cancel your policy at any time by written confirmation, though no refund of premium will be made outside of the 14 day ‘cooling off’ period (from the date you receive the policy documents). However, if a service has been provided under the policy within those 14 days then no premium refund will be made.

Just ask your doctor to complete and sign the medical certificate included in the cancellation claim form. You will need to send this to us along with your overseas trip booking invoice, receipt and cancellation invoice.

Be sure to obtain a doctor’s letter confirming that you need to curtail your trip and return home. We will also need your holiday booking invoice and receipt to support your claim.

Immediately arrange for any treatment you need, but please be sure you contact us as soon as possible for authorisation before incurring any medical expenses over £750. You must obtain a detailed receipt for all the treatment that you receive.

Please get written confirmation from the doctor who is treating you, that you are unfit to travel at the scheduled time. What should I do if another party is responsible for some of my claims costs? You must contact us if you are able to recover any part of your claims costs from any other party, for example if you have another insurance policy, cover through a state healthcare system or are legally entitled to recover costs from another third party. We will only pay our proper share. Important note: If you need to stay in hospital, someone must contact Emergency Assistance Facilities on +44 (0) 203 829 6745 as soon as possible to advise us of the details. Should you incur any additional expenses for travel and accommodation, please keep your receipts.

If travel is undertaken against the advice of a Medical Practitioner the policy will not respond to any claim event.

If you lose your baggage or it is stolen, report this to the police immediately and get a Police Report. If your baggage is lost or damaged whilst being carried by an airline, railway, coach or ship, report this in writing to the carrier as soon as possible (at least within three days). Make sure you receive a Property Irregularity Report or similar documentation. Please keep copies of any correspondence you send or receive, as well as the retained portion of the travel tickets and baggage tickets.

In the event of your baggage being damaged, obtain an estimate for the repair. If the article is not repairable, get a letter of confirmation from the repairers. Please retain the damaged item wherever possible.

To support a claim for damaged and lost items we will require receipts showing the purchase price and date of purchase.

If your baggage is delayed for more than 12 hours, get written confirmation of this from the carrier. You will also need receipts to support your claim for any emergency purchases you have to make.

Report it to the police immediately and get a Police Report. If you incur costs when obtaining replacement documentation e.g. extra travel, unplanned accommodation or statutory charges, be sure to keep all your receipts.

Report this to the police without delay – certainly within 24 hours of discovering the loss.
Please get a Police Report.

If you have lost Travellers Cheques you should report this immediately to the local branch, agent or issuing authority and apply to them for a refund. If, for any reason, you are unsuccessful in getting a refund, you will need a letter from them confirming this fact.

If you have lost your foreign currency you will need evidence of conversion from the bank, such as a currency conversion bank slip.

If you have lost sterling or cheques you will need confirmation of cancelled cheques and bank statements.

If your transport breaks down, please make every effort to reach the point of departure from or return to the UK on time. Should you still miss your flight, train, coach, ship, ferry or cross-channel train, get a receipt for any alternative transport needed to reach your destination. If public transport let you down, please obtain written confirmation from the carrier explaining the cause.

Please obtain detailed confirmation from the carrier (or their handling agent) explaining the reasons for the delay, its precise duration and the original itinerary.

We will require the name and address of the person injured; a full description of the injuries suffered; plus full details of the accident – including how, when and where it occurred.

If you are travelling to any of the countries in the European Economic Area*, a European Health Insurance Card entitles you to free health benefits. Application forms are available from any main Post Office. If you obtain a European Health Insurance Card before you travel – and use it to reduce the cost of a claim for medical expenses – we will not deduct the normal excess charge from your claim.

*Includes Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Republic of Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and UK. Switzerland by special arrangement.

A Chronic Breathing Condition means the following:

• Severe Allergic Asthma, Asthma with fixed airflow obstruction, Night time (Nocturnal) Asthma, Obstructive Sleep Apnea
• Chronic Obstructive Pulmonary Disease (COPD)
• Chronic Bronchitis
• Cystic Fibrosis/Bronchiectasis
• Emphysema
• Lung Cancer
• Lung Hernia
• Pleural Effusion

Pneumonia If you are unsure as to the nature of a condition you should contact your General Practitioner.

A Terminal Prognosis means a terminal illness with a life expectancy of below one year at the start of the overseas journey.

As an insured member of the Open Travel Insurance scheme you will be contacted in advance of your policy renewal (the scheme anniversary date, 1st November) and unless otherwise advised we will automatically renew your policy via the held bank Direct Debit Mandate. This provides continuity of cover should you be on a overseas journey. Should you change or amend your banking details the onus is on you to inform Open Travel Insurance ensuring a premium payment by Direct debit can be taken. Failure to do this will mean your policy will not be renewed and therefore cover will cease at the scheme anniversary date.