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Understanding Your Cover

Common cover queries and policy definitions

Cover Queries

Am I covered for a Cruise?

Am I covered for Covid?

Am I covered to drive a car, motorbike or other motorised vehicle while abroad?

Am I covered in transit or during a stopover out of my covered area?

Am I covered if the holiday is a gift from a family member or a prize?

Can people insured on an Annual Multi-Trip travel seperately

Missed Departures, Delays and Cancellations

Reciprocal Health Agreements

Your Health

What medical expenses are covered under the policy?

What can invalidate your medical cover?

Travelling while pregnant

Travelling abroad for cosmetic surgery

Travelling after getting a tattoo or piercing

Contracting a STD (Sexually Transmitted Diseases) while travelling

Travelling near a conflict area

Israel-Gaza Conflict

Israel-Iran Conflict

Ukraine-Russia Conflict

Common Definitions

What is considered an "Accident"?

What items fall under the category of "Baggage"?

What is defined as a "Catastrophe"?

Who is considered a "Close relative" or “Close Family Member”?

Who qualifies as a "Colleague"?

How is a "Cruise" defined?

What does "Cut short/Cutting short" mean?

What is an "Excess"?

How are "Gadgets" defined?

What falls under the category of "Golf Equipment"?

What is considered "Home" in this policy?

What does "Home area" mean?

What is included in "Important Documents"?

How is the "Insurance Period" defined?

Who is an "Insured Person"?

How is a "Medical practitioner" defined?

What do we mean by "On a recreational basis"?

What is a "Package holiday"?

What is included in "Personal Money"?

How is "Personal quarantine" defined?

What are "pre-paid charges"?

How is "Public Transport" defined?

What is meant by "Redundant/Redundancy"?

What is "Regional quarantine"?

What is covered under "Ski Equipment"?

What is a "Ski Pack"?

How is "Sports Equipment" defined?

What does "Terrorist Action" mean?

What is the definition of a "Travelling Companion"?

What is meant by "Trip(s)" in the policy?

How is "Unattended" defined in the policy?

What items are considered "Valuables"?