Over 50’s Annual Travel Scheme
Especially for members of the Women’s Institute
Worldwide Cover, No declaration of medical conditions: £235.00
About Open Travel Insurance
The Open Travel Insurance Scheme provides tailored travel insurance, underwritten by Union Reiseversicherung AG, UK to members of the Women’s Institute. Our aim is to provide a quality service at a competitive price, to a standard that provides true peace of mind to the frequent traveller. In working with the WI we have delivered a travel insurance that members can rely on; easily accessed Online or via our Travel Team who are ready to assist.
The scheme is open to all WI members providing they are between 50 and 74 years of age and reside in the UK.
For those outside of this scheme’s 50-74 age bands…
A full suite of cover is available via our sister business CoverMyStay.
About the Scheme & Eligibility
- Open to members of the Women’s Institute aged between 50 and 74 and their families
- UK Residents
- You must be ‘Fit to Travel’ defined as:
– If you had contacted your medical practitioner prior to booking your planned trip, and before the trip departure, he/she would not have advised against travel and/or between booking and departure any and all pre-existing medical conditions must be stable and well-controlled both as to the individual condition and treatment(s) thereof and/or there exists no known likelihood of any medical tests, investigations or major variation of treatment or medication between booking travel and the date of departure or whilst travelling
– Travel is solely for leisure purposes
– You do not have a chronic breathing condition
– You have not been given a terminal prognosis - At time of policy purchase no insured person can be aged over 74 years
Over 50’s Annual Travel Scheme
The Open Travel Insurance scheme is available to all WI members aged between 50 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
- Full Worldwide Cover
- No medical screening information is required
- No limit to the number of journeys
- A total of 183 days can be spent overseas during any period of insurance
- Any single trip can last for up to 65 days (45 days for Caribbean, USA or Canada travel)
- Winter sports cover up to 17 days
- Members can opt to include partners, spouses and children (until their 21st birthday)
- Pre-existing medical conditions are covered as long as members are fit to travel and not terminally ill
The package of benefits at a glance
Cancellation | £5,000 |
Curtailment | £5,000 |
Medical and additional expenses+ | £5,000,000 |
Extra overseas accommodation in event of injury/sickness | £5,000 |
Emergency dental treatment | £750 |
Repatriation of mortal remains to UK Up to £2,000 for local burial/cremation* | Covered |
Emergency medical repatriation and evacuation* | Covered |
Compassionate overseas visit* | Covered |
Personal accident benefit* death, loss of eyes/sight/limb | £15,000 |
Personal baggage: single item | £350 up to maximum £1,500 |
Delayed baggage (more than 12 hours)* | £150 |
Personal money, travellers cheques | £500 |
Cash limit up to maximum | £250 |
Loss of passport | £250 |
Delayed departure: every 12 hours* | £50 up to maximum £200 |
Extended delay | £2,000 |
Missed departure | £1,000 |
Catastrophe cover | £300 |
Legal expenses* | £25,000 |
Personal liability* | £2,000,000 |
Please note: all benefits are subject to £50 excess except those marked with an asterick (*) The benefit marked with a cross (+) is subject to £50 excess unless a European Health Insurance Card is used Benefits are subject to conditions, limitations and exclusions detailed in the membership agreement.
Policy Pricing
The annual cost is the same for all members. All premiums are payable annually in advance and must be paid by direct debit.
Members can join at any time. However, the full annual cost will be payable even if they join midway through the insurance year which runs from 1st November.
Membership of the scheme automatically renews each year on 1st November for all existing members.
Annual premiums for the Open Travel Insurance Scheme for year commencing 1st November 2018:
Single | £235.00 |
Couple | £325.00 |
Single Parent | £325.00 |
Family | £345.00 |
Start Your Cover
Download and complete the Application Form and Direct Debit Mandate. Complete both forms and send to:
Open Travel Insurance,
Tollgate House,
96 Market Place,
Romford,
Essex,
RM1 3ER
No cover can be incepted until the Application Form (including the Direct Debit Mandate) is received and accepted by underwriters.
Print out & post Application
Here are the answers to some frequently asked questions:
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.
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.
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.
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.
*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.
Call us: 0800 221 8800
OpenTravelInsurance is a trading name of Butcher Robinson & Staples International Limited
(a registered Lloyd’s of London insurance broker), authorised and regulated by the Financial Conduct Authority.