Yes, cover is included for pregnancy. However it relates solely for complications that arise during the course of the pregnancy because being pregnant is not considered to be a medical condition. This means that only certain circumstances that are caused by complications in a pregnancy are covered. It is really important that you check this cover in the policy wording. The appropriate section can be found in the Meaning of Words under Complications of Pregnancy and Childbirth.
Most sections of the policy carry an Excess. You have agreed to pay towards a claim under each section of the policy. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used an EHIC (formerly E111) to reduce your medical expenses bill. However if you are 65 years of age or older and have purchased Standard or Premier cover levels then the policy excess will increase to £200 for Standard cover and £150 for Premier cover.
For the purposes of this insurance, a pre-existing medical condition is considered to be:
If you have any pre-existing medical conditions please call 0333 300 2160 to assess if you are eligible to obtain full cover for the condition(s) disclosed.
For more information, please refer to the "Important Health Requirements for all Insured Persons" section of the policy wording.
The maximum number of dependent children under 18 living at home is 4 on a family policy.
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
Your Right to Cancel during the Cooling-Off Period
You are entitled to cancel this policy by notifying Us in writing, by email or by telephone within fourteen (14) days of either:
whichever is the later.
A full refund of any premium paid will be made unless You have made a Claim in which case the full annual premium is due.
Your Right to Cancel after the Cooling-Off Period
You are entitled to cancel this policy after the cooling-off period by notifying Us in writing, by email or by telephone. Any return of premium due to You will be calculated at a proportional daily rate depending on how long the policy has been in force unless You have made a Claim in which case the full annual premium is due.
Our Right to Cancel
We are entitled to cancel this policy, if there is a valid reason to do so, including for example:
by giving You fourteen (14) days’ notice in writing. Any return of premium due to You will be calculated at a proportional daily rate depending on how long the policy has been in force unless You have made a Claim in which case the full annual premium is due.
Provided you have paid the Winter Sports upgrade, and you are aged 70 or under, you are covered for: ski equipment, piste closure, avalanche cover, ski hire, ski pack costs up to the limits shown on the summary of cover.
Both Single Trip and Annual Multi-trip Policies include the following activities on a non-competitive and non-professional basis during your trip when have paid the appropriate additional premium:
The following activities will be covered but there will be no cover in respect of any Personal Accident or Personal Liability claims:
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:
You are not covered when engaging in organised competitions or when skiing against local authority warning or advice.
For policies purchased after 13 November 2016, in case of a medical emergency please phone 0343 658 0303, quoting Leisure Guard.
For policies purchased after 12 November 2014, in case of a medical emergency please phone 0203 362 2410 , quoting Leisure Guard.
You must contact the medical emergency assistance team as soon as possible before incurring expenses over £500.
You must retain receipts for medical and additional costs incurred and the excess must be paid by you at the time of treatment.
Note: If you are physically unable to contact the assistance team then you or someone designated by you must contact the team within 48 hours.
On a couple or family policy each insured person can travel independently of the policy holder.
The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 31 days (if the appropriate additional premium is paid you can extended this to 45, 62 or 92 days if you are under 65 years of age, or 45 or 62 days if you are aged between 65 and 75 years.
If You are between 76 and 79 years old at the commencement of the Period of Insurance the maximum number of consecutive days You can spend abroad is 31 consecutive days (reduced to 24 days for Zone 5).
If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. Winter Sports cover, Timeshare, and Cruise Cover are available at an additional premium. Please contact Leisure Guard on 0333 300 2160.
There are three different levels of cover offered under this policy.
Standard offers the most basic level of cover with the highest excesses.
Premier cover provides a wider range of cover with higher levels of protection for you and requires you to pay a lower excess. Premier policies include End Supplier Failure Insurance (ESFI) cover at no extra cost.
Premier Plus cover offers the highest level of protection, with Nil excess and ESFI covered at no extra cost.
As a result Premier Plus cover is the more expensive choice however ensures that you have the best protection.
Your policy will be emailed directly to your email address shortly after being issued. Please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. If you have any difficulties receiving your policy documents, please call us on 0333 300 2160.
Yes. The maximum age for our policy is 79 for a Single Trip or an Annual Multi-Trip at the commencement of the period of insurance. NOTE that the maximum age to add Winter Sports cover is 70 when you buy the policy.
No, we only offer cover to residents of the United Kingdom.
Scuba diving to a depth of 30 metres (within organiser's guidelines) is covered. The policy can be upgraded to include scuba diving to a depth of 50 metres for an additional premium.
Yes, but they must pay the adult premium for their cover and must comply with any airline rules in terms of travelling as a minor. The policy can only be issued by calling Leisure Guard on 0333 300 2160.
We accept Visa, MasterCard, Maestro, Visa Electron and Delta.
You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them the insurer cannot make any payment to you. If you leave luggage and personal items unattended in a public place then we cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.
Yes, there is cover for glasses on our policies, they are included as valuables.
At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip. If your travel arrangements change then you must call Leisure Guard immediately on 0333 300 2160. You must be able to provide the correct Period of Insurance on your documentation in the event of a claim.
Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.
If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.
If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland. We would advise you to obtain a Form CM1 from your local main Post Office. On returning this, duly completed, to the main Post Office you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.
You should check with your doctor as soon as possible, your doctor will be best advised to tell you what vaccinations are required, if any.
You can change or upgrade your policy at any time as long as you have not made a claim. Please contact Leisure Guard on 0333 300 2160 for amendments and upgrades.
Abseiling (within organiser's guidelines)
Yes, cover is provided irrespective of how your Trip / holiday has been packaged together.
Timeshare cover is a stand alone policy which offers protection if you need to cancel your timeshare holiday or cut your timeshare holiday short. It is not a travel insurance policy and therefore should you need cover for medical emergency, personal possessions or more then you will need to take out a separate travel insurance policy.