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Annual Multi Trip Travel Insurance - full comparison of cover
	Lite		Essential
Area of Cover	Limit	Excess	Limit	Excess
Emergency Medical Expenses & Repatriation*	£2,000,000	£75	£5,000,000	£75
* ages 66 to 74	£2,000,000	£200	£5,000,000	£150
* over 74 years	£2,000,000	£500	£5,000,000	£350
Hospital Confinement Benefit	£100	nil	£100	nil
Additional Travel & Accomm Expenses UK	£1,000	£75	£1,000	£75
Funeral Expenses UK	£1,000	£75	£1,000	£75
Emergency Dental Treatment	£200	£75	£200	£75
Personal Accident	£2,000	nil	£5,000	nil
Withdrawal of Services	not available		not available
Provision of Screened Blood	£5,000	nil	£15,000	nil
Cancellation **	£750	£50	£2,500	£50
** ages 66 to 74	£750	£200	£2,500	£150
** over 74 years	£750	£500	£2,500	£350
Curtailment	£750	£50	£2,500	£50
Travel Delay	£150	nil	£150	nil
Abandonment	£750	£75	£2,500	£75
Disruption	not available		not available
Personal Effects / Possessions	£1,000	£75	£1,500	£75
Single Item Limit	£200	£75	£250	£75
Spectacles or Sunglasses	£75	£75	£75	£75
Valuables	£200	£75	£250	£75
Personal Money	£250	£75	£300	£75
Cash Limit	£200	£75	£250	£75
Luggage Delay	£150	nil	£200	nil
Personal Liability	£2,000,000	£100	£2,000,000	£100
Hijack / Kidnap Expenses	not available		£2,000	nil
Hijack / Kidnap Benefit	not available		£500	nil
Mugging Hospitalisation Benefit	not available		£250	nil
Catastrophe	£350	nil	£750	nil
Legal Expenses	£25,000	nil	£25,000	nil

Pre-existing medical conditions refer to any past, current or recurring medical condition or mental illness which has been diagnosed, investigated or treated at any time prior to travel, even if this condition is considered to be stable and under control.

If you have a Pre-Existing Medical Condition but that condition is shown as an Automatically Accepted Minor Condition in the list below, it will be covered under the Policy without the need to contact us and without any additional charge provided that you meet the terms of the following special requirements:

• You do not suffer from more than 5 of these condition(s)
• You are not awaiting surgery for the condition(s)
• You have been fully discharged from any post-operative follow-up(s)
• You have not changed or increased any medication(s) in the last 3 months
• You meet the criteria stated next to the condition (covered as standard provided that you suffer from no more than 5 of these conditions and that you can meet the special requirements above)

Conditions

A

Abnormal Smear Test, Achilles Tendon Injury, Acne, Acronyx (Ingrowing Toe-nail), Adenoids, Allergic Rhinitis, Alopecia, Anal Fissure/Fistula, Appendectomy, Astigmatism, Athlete's Foot (Tinea Pedis), Attention Deficit Hyperactivity Disorder.

B

Bell's Palsy (Facial Paralysis), Benign Prostatic Enlargement, Bladder Infection (no ongoing treatment, no hospital admissions), Blepharitis, Blindness, Blocked Tear Ducts, Breast Fibroadenoma, Breast Cyst(s), Breast Enlargement/Reduction, Broken Bones (other than head or spine, no longer in plaster), Bunion (Hallux Valgus), Bursitis.

C

Caesarean Section, Candidiasis (oral or vaginal), Carpal Tunnel Syndrome, Cartilage Injury, Cataracts, Cervical Erosion, Cervicitis, Chalazion, Chicken Pox (fully resolved), Cholecystectomy, Chronic fatigue syndrome (if only symptom is fatigue and no hospital admissions), Coeliac Disease, Cold Sore (Herpes Simplex), Common Cold(s), Conjunctivitis, Constipation, Corneal Graft, Cosmetic Surgery, Cyst Breast, Cyst Testicular, Cystitis (no ongoing treatment, no hospital admissions), Cystocele (fully recovered, no hospital admissions).

D

D & C, Deaf Mutism, Deafness, Dental Surgery, Dermatitis (no hospital admissions or consultations), Deviated Nasal Septum, Diarrhoea and/or Vomiting (resolved), Dilatation and Curettage, Dislocations (no joint replacement or hospital admissions), Dry Eye Syndrome, Dyspepsia.

E

Ear Infections (resolved must be all clear prior to travel if flying), Eczema (no hospital admissions or consultations), Endocervical Polyp, Endocervicitis, Endometrial Polyp, Epididymitis, Epiphora (Watery Eye), Epispadias, Epistaxis (Nosebleed), Erythema Nodosum, Essential Tremor.

F

Facial Neuritis (Trigeminal Neuralgia), Facial Paralysis (Bell's Palsy), Femoral Hernia, Fibroadenoma, Fibroid Uterine, Fibromyalgia, Fibromyositis, Fibrositis, Frozen Shoulder.

G

Gall Bladder Removal, Ganglion, Glandular Fever (full recovery made), Glaucoma, Automatically Accepted Minor Conditions Glue Ear (resolved must be all clear prior to travel if flying), Goitre, Gout, Grave's Disease, Grommet(s) inserted (Glue Ear), Gynaecomastia.

H

Haematoma (external), Haemorrhoidectomy, Haemorrhoids (Piles), Hallux Valgus (Bunion), Hammer Toe, Hay Fever, Hernia (not Hiatus), Herpes Simplex (Cold Sore), Herpes Zoster (Shingles), Hip Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Hives (Nettle Rash), Housemaid's Knee (Bursitis), HRT (Hormone Replacement Therapy), Hyperthyroidism (Overactive Thyroid), Hypospadias, Hypothyroidism (Underactive Thyroid), Hysterectomy (provided no malignancy).

I

Impetigo, Indigestion, Influenza (full recovery made), Ingrowing Toe-nail (Acronyx), Inguinal Hernia, Insomnia, Intercostal Neuralgia (no admissions), Intertrigo, Irritable Bowel Syndrome (IBS) (provided definite diagnosis made and no ongoing investigations).

K

Keinboeck's Disease, Keratoconus, Knee Injury Collateral/ cruciate ligaments, Knee Replacement (no subsequent arthritis and never any dislocation of a joint replacement), Kohlers Disease.

L

Labyrinthitis, Laryngitis, Learning Difficulties, Leptothrix, Leucoderma, Lichen Planus, Ligaments (injury), Lipoma.

M

Macular Degeneration, Mastitis, Mastoidectomy (resolved must be all clear prior to travel if flying), Menopause, Menorrhagia, Migraine (provided definite diagnosis made and no ongoing investigations), Miscarriage, Mole(s), Molluscum Contagiosum, Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue and no hospital admissions), Myxoedema.

N

Nasal Infection, Nasal Polyp(s), Nettle Rash (Hives), Neuralgia (no hospital admissions), Nosebleed(s), Nystagmus.

O

Osgood-schlatter's Disease, Osteochondritis, Otosclerosis, Overactive Thyroid.

P

Parametritis, Pediculosis, Pelvic Inflammatory Disease, Photodermatosis, Piles, Pityriasis Rosea, Post Viral Fatigue Syndrome (if the only symptom is fatigue and no hospital admissions), Pregnancy (provided no complications), Prickly Heat, Prolapsed Uterus (womb), Pruritis, Psoriasis (no hospital admissions or consultations).

R

Repetitive Strain Injury, Retinitis Pigmentosa, Rhinitis (Allergic), Rosacea, Ruptured Tendons.

S

Salpingo-oophoritis, Scabies, Scalp Ringworm (Tinea Capitis), Scheuermann's Disease (provided no respiratory issues), Sebaceous Cyst, Shingles (Herpes Zoster), Sinusitis, Skin Ringworm (Tinea Corporis), Sleep Apnoea (no machine used to assist breathing), Sore Throat, Sprains, Stigmatism, Stomach Bug (resolved), Strabismus (Squint), Stress Incontinence (no urinary infections).

T

Talipes (Club Foot), Tendon Injury, Tennis Elbow, Tenosynovitis, Termination of Pregnancy, Testicles Epididymitis, Testicles Hydrocele, Testicles Varicocele, Testicular Cyst, Testicular Torsion (Twisted Testicle), Throat Infection(s), Thrush, Thyroid Overactive, Thyroid Deficiency, Tinea Capitis (Scalp Ringworm), Tinea Corporis (Skin Ringworm), Tinea Pedis (Athlete's Foot), Tinnitus, Tonsillitis, Tooth Extraction, Toothache, Torn Ligament, Torticollis (Wry Neck), Trichomycosis, Trigeminal Neuralgia, Turner's Syndrome, Twisted Testicle.

U

Umbilical Hernia, Underactive Thyroid, Undescended Testicle,Urethritis (fully recovered, no hospital admissions), URTI (Upper Respiratory Tract infection) (resolved, no further treatment), Urticaria, Uterine Polyp(s), Uterine Prolapse.

V

Varicocele, Varicose Veins - legs only, never any ulcers or cellulitis (if GP has confirmed that client is fit to travel), Vasectomy, Verruca, Vitiligo.

W

Warts (benign, non-genital), Womb Prolapse (uterus), Wry Neck (Torticollis).

X.Y. Z.

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In addition to any medical condition on our Automatically Accepted Minor Conditions list above, you may be automatically accepted for cover, provided you do NOT have more than ONE of the following medical conditions and you meet the conditions listed below each and you must NOT have ANY other Pre-existing Medical Condition:

Arthritis (Juvenile, Osteoarthritis, Rheumatoid or Psoriatic Arthritis, Reiter's Syndrome, Rheumatism):

• You must NOT have been admitted to hospital within the last 12 months.
• Your condition must NOT affect the back more than any other area of the body.
• You must NOT be taking more than 2 prescribed medications.
• You must use NO mobility aids (other than walking stick or frame).
• You must have suffered NO dislocations of any replacement joints.
• You must NOT be awaiting surgery.
• You must have NO lung problems/respiratory disorders.

Asthma (Wheezing):

• You must have had NO hospital admissions for Asthma EVER.
• You must have been diagnosed prior to age 50.
• Your Asthma must be controlled with no more than 2 medications (NO nebuliser, NO home oxygen).
• You must have been a non-smoker for at least the last 12 months.
• You must always be able to walk 200 yards on the flat without becoming short of breath.

Diabetes Mellitus (Sugar Diabetes):

• You must suffer from Type 2 (Non-Insulin-Dependent Diabetes Mellitus) only.
• Your diabetes must be controlled by diet alone or by no more than 1 prescribed medication (no Insulin).
• You must NOT have been admitted to hospital for, or suffered from, diabetic complications EVER.
• You must have been a non-smoker for at least the last 12 months.

Hypercholesterolemia (High/Raised Cholesterol):

• You must be taking no more than 1 prescribed medication.
• You must NOT suffer from the inherited (genetic) form of the condition.
• You must have been a non-smoker for at least the last 12 months.

Hypertension (High Blood Pressure, White Coat Syndrome):

• You must be taking no more than 2 prescribed medications.
• You must have had no change in treatment within the last 6 months.
• You must have been a non-smoker for at least the last 12 months.

Hypotension (Low Blood Pressure):

• Your hypotension Must NOT be associated with any underlying condition.

Osteoporosis (Osteopenia, Fragile Bones):

• You must have had NO broken bones within the last 5 years.
• You must have had NO vertebral (backbone) fractures EVER.