Holiday Insurance
Travel Editions Ltd are an Appointed Representative of Global Travel Insurance Services Ltd who are authorised and regulated by the Financial Services Authority. We are happy to offer to you the following insurance which is underwritten by ETI International Travel Protection (ETI) the UK branch of Europäische Reiseversicherung A.G. Munich, ERGO group Company who are approved by the Financial Services Authority to undertake insurance business in the UK. This insurance has been specifically designed so that it covers all of the holidays that we feature, protecting you in full if you have to cancel and providing you with the very best and most effective protection if you are unfortunate enough to require medical attention whilst away from home. Don’t take unnecessary risks by insuring your travel anywhere else as we cannot accept any responsibility or provide assistance if problems arise as a result of inadequate cover. We are confident that this policy is best for you. A full policy wording will be sent to you with your confirmation of booking. Full details are also available upon request. This insurance is only available to persons who are permanently resident and domiciled in the UK and is valid for travel between 01/01/2011and 31/12/2011.

Insurance Product Suitability
This insurance is suitable for persons whose Demands and Needs are those of a traveller whose -
1. Individual round trip starts and finishes in the UK and is of no more than 90 days duration.
2. Age is 90 years or less and is a permanent resident of the United Kingdom.

As this description contains the Key Features of the cover provided it constitutes provision of a statement ofdemands and needs. If you would like more information or are unsure of any details contained herein, you should ask Global Travel Insurance Services Ltd for further advice.

Summary of Cover:
(Main policy limits only, please see the policy document for other limits that may apply).

• Cancellation & Curtailment £3,000
• Personal Accident £15,000
• Medical & Other Expenses £5,000,000
• Hospital Benefit £300
• Personal Luggage Money & Valuables £2,000
• Loss of Passport £200 (Nil)
• Travel Delay (a) £60 (b) £3,000
• Missed Departure £500
• Personal Liability £2,000,000 (£250)
• Legal Expenses £25,000

Policy Excesses 
Cancellation or Curtailment: The first £75 of each and every claim per Insured Person claimed for under this Section is excluded, increased to £150 where You are aged 66 to 75 years and to £225 where You are aged 76 to 90 years (other than in respect of claims for loss of deposit where the excess is £25).

Medical and Other Expenses: The first £75 of each and every claim per Insured Person claimed for under this Section is excluded. Where You are aged 66 to 75 years the first £150 of each and every claim per Insured Person claimed for under this Section is excluded. Where You are aged 76 to 90 years the first £300 of each and every claim per Insured Person claimed for under this Section is excluded.

Other Sections: An excess of £50 applies to each and every claim each insured person under the Personal Luggage Money & Valuables and Delayed Departure (b) sections, and £250 under the Personal Liability section

Increased Excess for Pre Existing Medical Conditions - There is no need to advise us of your pre existing health conditions. Provision for the acceptance of all pre existing health conditions has been made by the application of increased excesses in the event of claims arising.
For claims arising from the treatment of any pre existing illness the excess is further increased as follows –
Under the Cancellation & Curtailment section - double the normal excess.
Under the Medical & Other Expenses section -

•       For persons aged under 65 years the excess is increased to £500.
•       For persons aged 66 to 75 years the excess is increased to £1000.
•       For persons aged 76 to 90 years the excess is increased to £1500.

You will also need to obtain confirmation from your GP of your fitness to travel.

Emergency Assistance
There is a 24-hour emergency assistance service included in the policy so that any insured person may seek assistance in medical emergencies whilst on holiday. Full details are contained in the policy document.

Main Health Exclusions
We will not pay for claims arising directly or indirectly from the following circumstances existing on the date of applying for this insurance:
1. Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.
2. From any terminal illness suffered by You (or any person upon whose health the Trip depends).
3. From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed or have been admitted to or undergone a procedure/ intervention in a hospital.
4. From any reoccurrence of any psychiatric disorder, anxiety state and/or depression suffered by You (or any person upon whose health the Trip depends)
5. Where You are travelling against the advice of a Medical Practitioner.
6. Where You have failed to contact the medical screening line if required to do so.

Insurance Product Disclosure

Cancellation Rights
The Insurer provides a Money Back Guarantee enabling you to cancel the insurance within 14 days of issue should the policy not meet your requirements. No refund of premium is provided for cancellations after this time.
Claims
Claims are handled by Towergate Chase Parkinson who act on behalf of the Insurers and not the customer in relation to any claim. The telephone number is 0844 892 1697
General Queries
If you have any query regarding the cover provided you may contact Global Travel Insurance on 01903 203933 for advice.
Applicable Law
The law applicable to this insurance contract is English Law.