Policy Changes

From February 2026

This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations, and exclusions of the policy cover.

IPID Changes

Under the are there any restrictions on cover section a change to pregnancy cover has been made:

• There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant on your return trip date (or 24 weeks for multiple births). You can make a claim under “Cancelling Your Trip” provided you purchased this policy/booked a trip before you were aware you would not be able to trave

Policy Wording Changes

Under the medical screening health requirements section changes have been made:

• To determine if we can offer you cover, you will need to contact us and answer some additional health questions. If your conditions can be covered, you may need to pay an extra amount. If you choose not to pay this, we won’t be able to offer you a policy.
• Within the last five years, have you or anyone named on the policy been diagnosed with or treated for any of the following:
• Heart or circulatory conditions
• Strokes or high blood pressure
• Breathing/Respiratory conditions (including Asthma)
• Cancer (even if now in remission)
• Diabetes (including diet controlled)
• A bowel, gastric, or digestive condition
• Are you or anyone named on the policy currently taking any prescribed medication (this doesn’t include medication for common colds, flu, or contraception).
• Are you or anyone named on the policy waiting for any tests, treatment or a non-routine hospital appointment?
• Have you or anyone named on the policy seen a medical practitioner in the last 2 years? (including attending a hospital, a clinic, or a medical practitioners’ surgery as either an outpatient or in-patient.)

Have you or anyone named on the policy:

• been currently put on a waiting list for treatment or investigation?
• been given a terminal prognosis?
• Please make sure to answer all questions honestly and fully. Even if you consider a medical condition resolved, or may seem minor to you, you should still let us know.
• Pregnancy or medical conditions arising from pregnancy are covered provided you will not be more than 28 weeks pregnant on your return trip date (or 24 weeks for multiple births) and a medical practitioner or midwife confirms that you are fit to travel.
• If you are confirmed not fit to travel, or if you will be 28 weeks or more pregnant at the start of your trip or during your trip, (24 weeks for multiple births), you can make a claim under “Cancelling Your Trip” provided you purchased this policy/booked a trip before you were aware you would not be able to travel.

From December 2025

This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations, and exclusions of the policy cover.

IPID Changes
Under the exclusions of cover there have been changes and additions:

• Removal of exclusion of cover for natural damage (e.g. wear and tear)
• Addition of trips that do not start and end in the UK.
• Claims caused by an epidemic or pandemic.

Policy Wording Changes

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you, providing you have not made a claim on the policy or are intending to make a claim, any refund is subject to an administration fee. We will calculate the unused part of your payment using the sliding scale below:

Under the fraud section an addition has been made:

• For any claim found to be fraudulent, we may seek to recover such external costs or expenses from you.

Under the purchasing after your trip has started section an addition has been made:

• If you are travelling outside the UK, then it is possible to purchase a policy up to the point you board your international transport departing the UK, once you have boarded your outbound international transport, you can no longer buy a policy.

Under the section sums insured and excesses the title has been changed to total amount covered and excesses and additions have been made:

• If you don’t want to pay the standard excess, you can choose to pay extra to remove it, this means that we will cover the full amount of your claim, up to the maximum limit. You must add the excess waiver when you purchase the policy. The excess waiver cannot be added after you have travelled/after the start date on your policy or if you have started or are awaiting to make a claim.
• If you have declared any medical conditon(s) and we have agreed to provide cover with an extra medical excess (as shown on your policy certificate), this excess will apply to all medical claims related to the declared condition(s), or where the declared condition(s) have led to another medical issue. This medical excess will be added to the standard excess, and the total amount combined will be deducted from any claim payment. If the total medical claim is less than £500, then only the standard excess will be deducted.
• Please note: – The excess waiver will only waive the standard excess on the policy and does not apply to any medical excess that has been added to your policy to cover medical condition(s).

Under the medical screening health requirements section changes have been made:

• To determine if we can offer you cover, you will need to contact us and answer some additional health questions. If your conditions can be covered, you may need to pay an extra amount. If you choose not to pay this, we won’t be able to offer you a policy.
• Please make sure to answer all questions honestly and fully. Even if you consider a medical condition resolved, or may seem minor to you, you should still let us know. What could happen if you don’t tell us about something:

* We may not pay your claim, and you won’t receive a refund of your payment, or

* We could stop all cover on the policy, or

* We may not pay all of your claim, which could leave you with significant costs.

Under the making a claim section, there have been changes made to 24-hour emergency medical assistance:

• You must contact the medical emergency service once you know you will be in a medical facility overnight.

Under the missed departure section there has been an addition of important information text:

• Planning your travel. You must allow enough time to travel to your departure point and check in for your outward journey. This should be at least the minimum time recommended by your travel provider.

Under the cutting short your trip section there has been a change in cover:

• Cover has been added for if you, or your travel companion’s passport is lost or stolen during your trip and this prevents you from entering a country, resulting in missed pre-booked travel plans.

Under the medical sections of cover, there is new guidance on extra travel or accommodation costs:

• We will only cover extra travel or accommodation costs if you get our approval first. If you don’t get our authorisation, we will not pay for those expenses.

Under the medical exclusions section, there have been changes made:

• We don’t cover any extra losses, damage or expenses that happen as a result of the incident you are claiming for, unless they are specifically covered by this insurance. For example, a claim for loss of earnings after you have been injured on a trip is not covered.
• Medical claims arising from alcohol and/or drug abuse or alcohol and/or drug dependency which is evidenced by your medical records or the opinion of a medical practitioner.

Under the emergency medical expenses section there has been a change to medical repatriation cover:

• If there is a valid claim for emergency medical expenses, this section provides cover up to the maximum amount shown in the cover table when, in our doctor’s opinion you should return home or if necessary be moved to a medical facility elsewhere.

Under the personal belongings section there has been an addition to passports and driving licenses:

• Passports and Driving Licence: – deductions will be made for the used/expired portion of the document, not the full amount to replace the document.

Under the personal belongings definitions there has been a change made to medical fittings:

• Dentures, prosthesis, hearing aids, and personal use medical devices, such as CPAP machines or insulin pumps.

Under the personal baggage valuables section there has been an addition of cover and an exclusion:

• The cost of replacement essential prescription medication is covered
• The cost of prescription medication where you have not taken sufficient supplies with you is excluded

Under the legal advice section there has been a change to awarded damages:

• If you receive compensation (damages) from another party for the same incident, you must repay us for any money we advanced to you from that compensation, once you have received it.

Under Personal Accident or Personal Liability, there have been changes made to the exclusions of sports or activities:

• Cycling (non-competitive, casual/recreational cycling on paved roads/designated cycle paths) **
• Riding Motorcycles/mopeds – No PL cover at any time, (PA cover up to 125cc only)*
• ** The following activities are not considered casual cycling and are therefore not covered: Mountain biking, BMX riding, Cycle touring or E-bikes.

Under the Sports and Activities NOT covered section, there have been changes made to the exclusions of sports and activities:

• Riding motorcycles/mopeds with an engine capacity over 125cc

Under the making a complaint section the address for Collinson complaints team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Under the making a complaint section the address for Collinson data protection team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Covid-19 Extension

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you, providing you have not made a claim on the policy or are intending to make a claim, any refund is subject to an administration fee. We will calculate the unused part of your payment using the sliding scale below:

Under the fraud section an addition has been made:

• For any claim found to be fraudulent, we may seek to recover such external costs or expenses from you.

Under the section sums insured and excesses the title has been changed to total amount covered and excesses and additions have been made:

• If you don’t want to pay the standard excess, you can choose to pay extra to remove it, this means that we will cover the full amount of your claim, up to the maximum limit. You must add the excess waiver when you purchase the policy. The excess waiver cannot be added after you have travelled/after the start date on your policy or if you have started or are awaiting to make a claim.
• If you have declared any medical conditon(s) and we have agreed to provide cover with an extra medical excess (as shown on your policy certificate), this excess will apply to all medical claims related to the declared condition(s), or where the declared condition(s) have led to another medical issue. This medical excess will be added to the standard excess, and the total amount combined will be deducted from any claim payment. If the total medical claim is less than £500, then only the standard excess will be deducted.
• Please note: – The excess waiver will only waive the standard excess on the policy and does not apply to any medical excess that has been added to your policy to cover medical condition(s).

Under the making a claim section, there have been changes made to 24-hour emergency medical assistance:

• You must contact the medical emergency service once you know you will be in a medical facility overnight.

Under the making a complaint section the address for Collinson complaints team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Under the making a complaint section the address for Collinson data protection team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Cruise Extension

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you, providing you have not made a claim on the policy or are intending to make a claim, any refund is subject to an administration fee. We will calculate the unused part of your payment using the sliding scale below:

Under the fraud section an addition has been made:

• For any claim found to be fraudulent, we may seek to recover such external costs or expenses from you.

Under the section sums insured and excesses the title has been changed to total amount covered and excesses and additions have been made:

• If you don’t want to pay the standard excess, you can choose to pay extra to remove it, this means that we will cover the full amount of your claim, up to the maximum limit. You must add the excess waiver when you purchase the policy. The excess waiver cannot be added after you have travelled/after the start date on your policy or if you have started or are awaiting to make a claim.
• If you have declared any medical conditon(s) and we have agreed to provide cover with an extra medical excess (as shown on your policy certificate), this excess will apply to all medical claims related to the declared condition(s), or where the declared condition(s) have led to another medical issue. This medical excess will be added to the standard excess, and the total amount combined will be deducted from any claim payment. If the total medical claim is less than £500, then only the standard excess will be deducted.
• Please note: – The excess waiver will only waive the standard excess on the policy and does not apply to any medical excess that has been added to your policy to cover medical condition(s).

Under the making a claim section, there have been changes made to 24-hour emergency medical assistance:

• You must contact the medical emergency service once you know you will be in a medical facility overnight.

Under the evening dress section there has been a change to the time limit to report loss or theft:

• Claims for loss or theft not reported to the police, the cruise operator or carrier within 48 hours and a written report obtained.

Under the making a complaint section the address for Collinson complaints team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Under the making a complaint section the address for Collinson data protection team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Large Scale Events Extension

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you, providing you have not made a claim on the policy or are intending to make a claim, any refund is subject to an administration fee. We will calculate the unused part of your payment using the sliding scale below:

Under the fraud section an addition has been made:

• For any claim found to be fraudulent, we may seek to recover such external costs or expenses from you.

Under the section sums insured and excesses the title has been changed to total amount covered and excesses and additions have been made:

• If you don’t want to pay the standard excess, you can choose to pay extra to remove it, this means that we will cover the full amount of your claim, up to the maximum limit. You must add the excess waiver when you purchase the policy. The excess waiver cannot be added after you have travelled/after the start date on your policy or if you have started or are awaiting to make a claim.
• If you have declared any medical conditon(s) and we have agreed to provide cover with an extra medical excess (as shown on your policy certificate), this excess will apply to all medical claims related to the declared condition(s), or where the declared condition(s) have led to another medical issue. This medical excess will be added to the standard excess, and the total amount combined will be deducted from any claim payment. If the total medical claim is less than £500, then only the standard excess will be deducted.
• Please note: – The excess waiver will only waive the standard excess on the policy and does not apply to any medical excess that has been added to your policy to cover medical condition(s).

Under the making a claim section, there have been changes made to 24-hour emergency medical assistance:

• You must contact the medical emergency service once you know you will be in a medical facility overnight.

Under the Delay and Abandonment section there has been a change to reasons for delay:

• A natural catastrophe.

A terrorism event.

The presence of unauthorised, unmanned aircraft.

Air traffic control restrictions including airspace closure.

Failure of air traffic control not including system failure caused by cyber terrorism.

An event occurring at your departure or arrival point that causes its closure or evacuation.

Under the making a complaint section the address for Collinson complaints team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Under the making a complaint section the address for Collinson data protection team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Golf Extension

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you, providing you have not made a claim on the policy or are intending to make a claim, any refund is subject to an administration fee. We will calculate the unused part of your payment using the sliding scale below:

Under the fraud section an addition has been made:

• For any claim found to be fraudulent, we may seek to recover such external costs or expenses from you.

Under the section sums insured and excesses the title has been changed to total amount covered and excesses and additions have been made:

• If you don’t want to pay the standard excess, you can choose to pay extra to remove it, this means that we will cover the full amount of your claim, up to the maximum limit. You must add the excess waiver when you purchase the policy. The excess waiver cannot be added after you have travelled/after the start date on your policy or if you have started or are awaiting to make a claim.
• If you have declared any medical conditon(s) and we have agreed to provide cover with an extra medical excess (as shown on your policy certificate), this excess will apply to all medical claims related to the declared condition(s), or where the declared condition(s) have led to another medical issue. This medical excess will be added to the standard excess, and the total amount combined will be deducted from any claim payment. If the total medical claim is less than £500, then only the standard excess will be deducted.
• Please note: – The excess waiver will only waive the standard excess on the policy and does not apply to any medical excess that has been added to your policy to cover medical condition(s).

Under the making a claim section, there have been changes made to 24-hour emergency medical assistance:

• You must contact the medical emergency service once you know you will be in a medical facility overnight.

Under the making a complaint section the address for Collinson complaints team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

Under the making a complaint section the address for Collinson data protection team has changed:

• Sheencroft House, 10-12 Church Road, Haywards Heath, RH16 3SN

From 1st April 2025

Please note, from 1st April 2025 our registered address has changed to Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU.

From 1st February 2025

We will no longer provide Get Going Basic, Standard, Premier, Diamond Single and Annual Multi Trip or Backpacker & Longstay policies. Never fear, our smart comparison tool will still help you explore the options available across our trusted sister brands, including Holidaysafe & Insurancewith. Start a new quote or contact us. Where possible, returning Annual Multi Trip customers will be offered a quotation for similar cover on our sister brand Holidaysafe, which is available for purchase via the Get Going website. You can compare Get Going and Holidaysafe policies here.

From 1st Decemeber 2024

This document details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations, and exclusions of the policy cover.

IPID Changes
Under the exclusions of cover there have been changes and additions:

• Removal of exclusion of cover if you chose or were recommended to quarantine or isolate as a result of exposure to an infectious disease including COVID-19, unless you have paid the additional premium for the COVID-19 Extension.
• Addition of exclusion of travelling against the advice of a medical practitioner or travelling with the intention of obtaining medical or dental treatment or consultation abroad.
• There is no cover at any time for quad bikes, electronic scooters, ATVs, e-bikes or segways.

Under the section ‘How do I cancel the contract?’, there has been a change made to the refund on premium:

• Following the expiry of your 14-day cancellation period, you continue to have the right to cancel your policy at any time during its term by contacting us, but no premium will be refunded, unless in exceptional circumstances and agreed by us. Any refund agreed will be calculated on a sliding scale.

Policy Wording Changes

Under the cancelling or amending your policy section an addition has been made:

• However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you providing you have not made a claim on the policy or are intending to make a claim, and refund is subject to an administration fee.

Under the claims evidence section there has been a change in respect of the covid-19 test evidence as below:

• Evidence that your lateral flow test is positive if claiming for covid-19.

Under the general definitions of the policy, a new immediate relative definition has been added:

• Legal next of kin

Under the trip disruption before you travel section, there have been changes in cover:

• The distinguishment between covid-19 and non-covid-19 related cover has been removed
• Yours or your travelling companion’s passport, visa or any other document that is required to leave the UK are stolen within 7 days of when you are due to depart from the UK.

Under the trip disruption before you travel exclusions, there have been changes made to exclusions:

• Claims arising because a government has imposed travel restrictions in your home country or abroad that impact your travel plans. Such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• Removal of claim cover if you purchase this policy or book a trip after you test positive for covid-19 and the start date of your trip is within 14 days.
• Removal of claim cover where you have tested positive for covid-19 and the only evidence of this is a test taken at home that is not independently verified.
• Claims when self-isolation is not mandated by a medical practitioner, the NHS, or any UK government body.

Under the delay and abandonment section there has been a change made to the reasons for delay:

• The technical fault or breakdown of public transport when the fault or breakdown originated on the public transport you are travelling on, including bird strikes.

Under the delay and abandonment exclusions there have been changes in cover:

• Claims arising because a government has imposed travel restrictions in your home country or abroad that impact your travel plans. Such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the missed departure section there has been a change made to the delay or cancellation reasons:

• The technical fault or breakdown of public transport when the fault or breakdown originated on the public transport you are travelling on, including bird strikes.

Under the missed departure exclusions there has been a change made to exclusions:

• Claims arising because a government has imposed travel restrictions in your home country or abroad that impact your travel plans. Such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the missed departure and connection section there has been a change made to the delay or cancellation reasons:

• The technical fault or breakdown of public transport when the fault or breakdown originated on the public transport you are travelling on, including bird strikes.

Under the missed departure and connection exclusions there has been a change made to exclusions:

• Claims arising because a government has imposed travel restrictions in your home country or abroad that impact your travel plans. Such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you are making a claim under ‘Travel Documents are lost or stolen whilst you are outside the UK’ you must have a valid claim under the Personal Belongings section.

Under the substitute accommodation exclusions there has been a change made to exclusions:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders. This excludes travel advice issued by the Foreign, Commonwealth and Development Office.

Under the cutting short your trip section there has been a change in cover:

• The distinguishment between covid-19 and non-covid-19 related cover has been removed

Under the cutting short your trip exclusions there has been a change made to exclusions:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders. This excludes travel advice issued by the Foreign, Commonwealth and Development Office.
• Claims if you purchase this policy or book a trip after you test positive for covid-19 and this led to your illness/hospitalisation.

Under the medical sections of cover, there is new contact information for outpatient treatment:

• client.cc@globalexceleurope.com

Under the medical exclusions section, there have been changes made to the cover of motorised vehicles:

• Any claim arising as a result of you driving a motor car/motor vehicle or riding a motorcycle unless the appropriate licence is held by the driver of the vehicle e.g. a full UK driving licence, or a valid CBT certificate (DL196). The licence/certificate must be relevant to the vehicle in use. You must be following the local road safety laws, be driving/riding on recognised roads and in respect of motorcycling the engine capacity must be 125cc or lower.
• Riding or use of quad bikes, ATVs, electronic scooters, e-bikes or segways are not covered at any time.

Under the personal accident section there has been a change to exclusions:

• Any claim arising as a result of you driving a motor car/motor vehicle or riding a motorcycle unless the appropriate licence is held by the driver of the vehicle e.g. a full UK driving licence, or a valid CBT certificate (DL196). The licence/certificate must be relevant to the vehicle in use. You must be following the local road safety laws, be driving/riding on recognised roads and in respect of motorcycling the engine capacity must be 125cc or lower.
• Riding or use of quad bikes, ATVs, electronic scooters, e-bikes or segways are not covered at any time.

Under the personal liability exclusions there has been a change to exclusions:

• You owning, possessing, or using a firearm, a horse drawn, mechanical or motorised vehicle, including pedal cycles, electric cycles and scooters (and any or towed vehicles), any waterborne vessel or craft (except manually propelled watercraft), an aircraft of any description, including unpowered flight and drones.
• Any damages caused by any vehicle battery malfunction (whilst charging or not)

Under the legal expenses exclusions there have been changes made to the cover of motorised vehicles:

• Any claim arising as a result of you driving a motor car/motor vehicle or riding a motorcycle unless the appropriate licence is held by the driver of the vehicle e.g. a full UK driving licence, or a valid CBT certificate (DL196). The licence/certificate must be relevant to the vehicle in use. You must be following the local road safety laws, be driving/riding on recognised roads and in respect of motorcycling the engine capacity must be 125cc or lower.
• Riding or use of quad bikes, ATVs, electronic scooters, e-bikes or segways are not covered at any time.

Under Personal Accident or Personal Liability, there have been changes made to the exclusions of sports or activities:

• Canoeing/Kayaking/Rafting/White Water Rafting grade 4 and above
• E-bikes are not covered at any time
• Riding Motorcycles/Mopeds (above 125cc only)
• You must be wearing a helmet and riding on recognised roads. You (or the driver if you are a passenger) must be in possession of a valid licence/certificate for the motorcycle in use.

Under the Sports and Activities NOT covered section, there have been changes made to the exclusions of sports and activities:

• Canoeing/Kayaking/Rafting/White Water Rafting grade 5 and 6
• Removal of Riding Motorcycles/Mopeds (above 125cc only)
• Removal of Quad Biking/ATV’s

Covid-19 Extension

There is a new section called Travelling Companion Not Insured With Us:

• Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the Claims Evidence section, there has been a change to required documentation:

• Evidence that your lateral flow test is positive.
• You no longer need to provide written confirmation that you have been contacted by official NHS Track and Trace or a medical practitioner for Covid-19 within 14 days of the start of your trip.

Under the General Definitions, there is an addition to immediate relatives:

• Legal next of kin

Under the Cancelling Your Trip section, there is a change in exclusions:

• Claims arising because any government has imposed travel restrictions to the geographical location you live in the UK or are travelling to such as, but not limited to, locking down geographical regions, making your travel illegal, revoking visas, or closing borders. This excludes travel advice issued by the Foreign, Commonwealth and Development Office.

Under the Missed Departure section there is a change in exclusions:

• Claims arising because a government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making your travel illegal.

Under the Cutting Short Your Trip section there is a change in exclusions:

• Claims arising because a government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making your travel illegal.
• If you purchase this policy or book a trip after receiving a positive COVID-19 test result and this has led to your illness/hospitalisation or requirement to self-isolate.

Cruise Extension

There is a new section called Travelling Companion Not Insured With Us:

• Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the Claims Evidence section, there has been a change to required documentation:

• You no longer need to provide written confirmation of positive test results for Covid-19 provided by an independent authority including the date of the result.

Under the Cruise Extension Sections of Cover, there is a new definition:

• Timetable Restrictions – Whilst you are on your cruise, the cruise ship is running behind schedule and elects to miss a port to make up time

Under the Cruise Extension Exclusions, there is a new exclusion of cover:

• Any claim caused by an epidemic or pandemic

Under the Missed Departure and Missed Connection section, there has been a change to the delay or cancellation reasons:

• The technical fault or breakdown of any public transport which delays the scheduled departure of your pre-booked transport, when the fault or breakdown originated on the public transport you are travelling on, including bird strikes.

Large Scale Events Extension

There is a new section called Travelling Companion Not Insured With Us:

• Any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the General Definitions, there is an addition to immediate relatives:

• Legal next of kin

Under the Cancelling Your Trip section, there has been a removal of an exclusion:

• Any claim arising from Covid-19

Under the Delay and Abandonment section there has been a change in exclusions if you are delayed:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the Delay and Abandonment section there has been a change in exclusions if you decide to abandon your travel plans:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the Missed Departure from the UK section there has been a change in exclusions:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the Missed Departure and Connection Outside the UK section, there has been a change in exclusions:

• Claims arising because a government has imposed travel restrictions to the geographical location you live in the UK or that impact your trip, such as, but not limited to; locking down geographical regions, making your travel illegal, revoking visas, or closing borders.
• If you travelled against a non-essential advisory from the Foreign, Commonwealth and Development Office and the cause of the claim is related to the advisory.

Under the Cutting Short Your Trip section there is a change in exclusions:

• Claims arising because a government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making your travel illegal.
• If you purchase this policy or book a trip after receiving a positive COVID-19 test result and this has led to your illness/hospitalisation or requirement to self-isolate.

Under the Substitute Accommodation section there is a change in exclusions:

• Claims arising because a government taking action to restrict travel, such as, but not limited to, locking down a geographical region, closing borders, or making your travel illegal.
• If you purchase this policy or book a trip after receiving a positive COVID-19 test result and this has led to your illness/hospitalisation or requirement to self-isolate.

From 1st March 2024

This details the main changes to the updated policy wording from 1st March 2023. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes

Under the restrictions of cover section, an addition has been made:

• There is no cover for pregnancy or medical conditions arising from pregnancy if you will be more than 28 weeks pregnant at the time your trip is due to start (or 24 weeks for multiple births). You can make a claim under ‘cancelling your trip’ provided you purchase this policy/booked a trip before you were aware you would not be able to travel

Under the what’s insured section, an addition has been made:

• Trip disruption during your trip – Additional transport costs outside of the UK

Policy wording changes

Under the policy information section, there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the cancelling your trip section, the cancellation terms in regards to pregnancy have been updated:

• ‘…The booked return date must be after you will be 28 weeks pregnant (24 weeks for multiple births).’

Under the cutting short your trip section – If you have to cut short your trip, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the emergency medical expenses and medical repatriation section – If you need emergency medical treatment abroad & If you need to be brought home, an addition has been made to medical repatriation:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Under the money and travel documents section, there is no cover for:

• Losses arising due to debit or credit card fraud or any unauthorised use of such cards.

Extension changes

Large Scale Events extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Covid-19 extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy. For example, if you pay for someone else’s accommodation and have to cancel the trip. You won’t be able to claim for ‘the person who you are travelling with’ accommodation costs.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Under the delay and abandonment section – cutting your trip short, an addition has been made to additional costs to return home early:

• In the event that we are medically repatriating you and you have no pre-booked and paid return trip, the cost of the economy flight(s) will be deducted from your claim.

Cruise extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

Golf extension

Under the policy extension information there has been a new definition added as below:

• TRAVELLING COMPANIONS NOT INSURED WITH US – This policy does not cover any costs or expenses for a person not insured by this policy.

Under the general definitions section, an addition has been added to the list detailing when trip cover will cease:

• ‘.. or if we require you to return home early for medical reasons.’

From 19th December 2023

This details the main changes to the updated policy wording. It does not contain a record of every amendment or those made to individual client policies. Please ensure that you read in full any documentation provided in conjunction with the updated policy wording to determine the full terms, conditions, limitations and exclusions of the policy cover.

IPID changes

Under the what is insured section the following change has been made:

• There is no longer any cover for End Supplier Failure

Under the medical section of the policy there has been a change made to the hospital benefit as below:

• A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
• There has been a removal of accommodation confinement benefit

Policy wording changes

Under the medical section of the policy there has been a change made to the hospital benefit as below:

• A customer no longer has to be admitted to a public facility. Both private and public admittances will be considered.
• There has been a removal of accommodation confinement benefit

There is no longer any cover for End Supplier Failure. Therefore, changes have been made to the following sections of the policy:

• Your pre-travel policy – trip disruption before you travel section
• Your travel policy – trip disruption during your trip section
• Making a complaint section

From 10th October 2023

Medical Screening Update

From 10th October 2023 we will be changing the way we screen medical conditions. Our new tool is called Protectif, which has been created to capture more detail about your individual circumstances and condition, allowing it to more accurately assess the risks and offer a fairer price. The system works by asking you to list your prescribed medication and then the conditions they are linked to, which ensures nothing is accidentally forgotten. To confirm, you will now be declaring your conditions via Protectif as part of our online customer journey and our customer service team.

From 7th March 2022

Insurer Update

All GETGOING Travel Insurance policies issued/sold on and after the 7^th March 2022 will be Insured by Collinson Insurance. Collinson Insurance is a trading name of Astrenska Insurance Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Their Financial Services Register Number is 202846. These details can be checked on the Financial Services Register at: www.fca.org.uk

End Supplier Sections of Cover Only

If the policy you choose has End Supplier Cover included, these sections of cover are provided by International Passenger Protection Limited, IPP House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United Kingdom and is underwritten by Liberty Mutual Insurance Europe SE (The Insurer). The Insurer is authorised and regulated by the Luxembourg Minister of Finance and the Commissariat aux Assurances. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority (registered number 829959). Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website www.fca.org.uk

Policy and Product Updates

Cancelling or Amending your policy

Please tell us as soon as you are aware that your policy does not meet your needs. If you cancel within 14 days of the receipt of your documentation and if you have not started a trip, made a claim, or intend to make a claim, we will provide you with a full refund.

If you cancel outside of the 14-day cooling-off period, no premium will be refunded. However, discretion may be exercised in exceptional circumstances to provide a refund for unused cover, those exceptional circumstances being bereavement or an unexpected change to your policy resulting in us being unable to continue covering you. The unused premium will be calculated on a sliding scale basis as follows:

Refund scale outside the 14-day cooling off period for exceptional circumstances only

Single Trip Policies Before Travel

75% refund. No refund can be given once a trip has started.

Annual Multi Trip Policies

Policy Extensions Available

The following upgrades are available to be purchased for an additional premium:

• Cruise Extension (Single Trip and Multi Trip Policies Only)
• Golf Extension
• COVID-19 Extension
• Large Scale Events Extension
• Carers Extension

Depreciation/Wear and Tear Scale for Personal Belongings

Gadget Cover

With the new insurer comes a new approach to gadget cover. At Get Going, we will not have an option to add gadget cover, but it will be built into certain schemes as standard. Please see cover grids and policy documents for more information.

Previously the gadget cover was on a ‘repair’ cover concept, whereas now the cover will simply pay out for the cost of a replacement item up to the limit on the policy much like the other personal possession sections of cover.

There is no longer cover available for the cost of Unauthorised Calls and Data Download.

Gadget Claims will now be handled by the Insurer in the same way that all other claims will be.

Gadget Definition Update

Gadget are now defined as:

Mobile/smart phones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, including any accessory items, and drones.

Sports and Activities

As of launch, we will be changing the way we approach activities and activity packs. The new insurer has given us a new standard list of activities which don’t require any additional premium to be covered.

The standard list is much larger than it was before and covers many more high risk activities such as sky diving!

This will apply to all standard Single Trip, Multi Trip and Backpacker Longstay Policies.

The Winter Sports schemes will have the same activities covered as standard but with the addition of a long list of winter activities included as well.

Please find the new list of activities here: https://www.getgoinginsurance.co.uk/activity-packs

Specific Section Updates

Cancelling Your Trip – If you are unable to go on your trip

Cover being added:

• If a medical practitioner advises against travel due to your or your travelling companions underlying health conditions, including pregnancy.
• If you discover that you or your travelling companion are pregnant after the date you bought this policy or after the date the trip was booked (whichever you did last). The booked return date must be within 12 weeks, (16 weeks for a multiple birth), of the expected date of delivery.
• If your travel documents are stolen within 7 days of the start of your trip, and you are unable to replace them before departure.
• If you are confirmed unable to participate in a pre-planned and pre-paid activity by a medical practitioner, provided the activity is the main purpose of your trip.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed from the standard cover:

• If there is a change in FCDO advice due to fire, earthquake, storm, flood, riot or civil unrest.
• If you, anyone insured on this policy, or a household member had to isolate at home due to Covid-19.

Delay and Abandonment – If you are delayed and If you decide to abandon your trip

Cover being added:

Delays and abandonment caused by:

• Industrial action.
• Bad weather not including anything listed as a natural catastrophe.
• Technical fault of transportation including bird strikes.
• Shortage of crew.

Delays will now be covered on the outbound and inbound leg on your trip.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed:

• Previously we did not have specified reasons for delay.
• No cover available for UK trips.
• Missed Departure from the UK – If you miss your departure Cover being added:Missed Departure from the UK caused by:
  1. Delay or cancellation of public transport due to:
     1. Industrial action
     2. Bad weather not including anything listed as a natural catastrophe
     3. Technical fault of transportation including bird strikes
     4. Shortage of crew
  2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
  3. The flight you are travelling on is diverted

  Policy Extensions Available on this section:

  • COVID-19 Extension
  • Large Scale Events Extension

  Cover being removed:

  • Missed departure caused by closure of airspace.

Missed Departure Outside the UK – If you miss your departure and If you miss your connection

Cover being added:

Missed Departure and Missed Connection Outside the UK caused by:

1. Delay or cancellation of public transport due to:
   1. Industrial action
   2. Bad weather not including anything listed as a natural catastrophe
   3. Mechanical fault of transportation including bird strikes
   4. Shortage of crew
2. The vehicle you are travelling in is involved in an accident, breaks down, is delayed by an incident that causes traffic jams or road closures.
3. Your flight being diverted.
4. Travel documents are lost or stolen whilst you are outside the UK.

We now also be able to cover you for the costs of essential prescription medication when your supply runs out under this section.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension

Cover being removed:

• Missed departure and connection caused by closure of airspace.

Substitute Accommodation – If a major incident happens while you are away

Cover being added:

This section covers additional accommodation costs if you are forced to move from your pre-booked accommodation and into an alternative at the same destination. Your original accommodation must be uninhabitable for a reason listed below for at least 24 hours. We will pay up to the sum insured for the same standard of accommodation as you originally booked when your travel provider does not supply an alternative.

1. An outbreak of food poisoning at your accommodation that forces it to close.
2. Fire or storm damage (not listed as a natural catastrophe).
3. The following key services not being provided at your booked accommodation; electricity, water (including no hot water), insufficient hotel staff available due to industrial action.

Cover is also provided for the emergency replenishment of prescription medication, up to a maximum of £150, if you are unable to access your prescription medication due to a problem with your trip accommodation.

Policy Extensions Available on this section:

• COVID-19 Extension
• Large Scale Events Extension
• Cutting Short Your Trip – If you have to cut short your trip Cover being added:Cover in the event of death, injury, or serious illness of:
  • A travelling companions close relative
  • Someone you are staying with

  Cover in the event of a positive diagnosis of COVID-19, the death or hospitalisation of:

  • A travelling companion
  • Someone you are staying with

  Policy Extensions Available on this section:

  • COVID-19 Extension
  • Large Scale Events Extension

  Cover being removed from the standard cover:

  • If there is a change in FCDO advice due to fire, earthquake, storm, flood, riot or civil unrest.

   

  Money and Travel Documents – If your cash is lost or stolen

  Cover being removed:

  • We are no longer able to cover the cost of lost or stolen event tickets

How To Make A Claim and 24-Hour Emergency Medical Assistance

First, check your policy certificate and the appropriate section of your policy wording to make sure that what you are claiming for is covered. You can set up a claim online or by telephone, you must ensure that you have all relevant documents and any receipts, please see claims evidence below.

• Online collinson.claimhere.co.uk or via the customer area https://www.getgoinginsurance.co.uk/ca/login
• Telephone 0333 005 1077

All claims must be submitted within 60 days of your return from your trip. You must assist us in providing all requested information, including completing any requested forms, or you may experience a delay in the processing of your claim.  When claims settlements are made by BACS (Bank Automatic Clearing System) or other electronic banking system method, you will be responsible for supplying us with the correct bank account details and your full authority for us to remit monies directly to that account. Provided that payment is remitted to the bank account designated by you, we shall have no further liability or responsibility in respect of such payment, and it shall be your sole responsibility to make collection of any misdirected payment in the event of incorrect details having been provided to us.

Claims & assistance services are administered by Collinson Insurance Services Ltd.

24-hour Emergency Medical Assistance

You must contact the medical emergency service once you know you will be in a medical facility for at least 24 hours

• Telephone 0333 005 1078

How To Make A Complaint

From 8th July 2021

From 8th July 2021 the main insurer of our travel insurance products has changed from Union Reiseversicherung AG (URV) to White Horse Insurance Ireland dac . Our cover and prices have not been affected by this change. More information can be found here.

From 12th November 2020

From 12th November 2020, our Standard and Basic Single and Multi Trip policies also include enhanced cover for COVID-19. Click here for more details.

From 19th October 2020

From 19th October 2020, our Diamond and Staycation Plus Single and Multi Trip policies also include enhanced cover for COVID-19. Click here for more details.

From 27th August 2020

From 27th August 2020 our Premier Single and Multi Trip policies include:

• Cancellation cover if you are anyone named on the policy test positive for Coronavirus up to 14 days prior to travelling.
• Denied boarding cover if you and anyone named on the policy are prevented entry at the airport on your inbound flight due to showing symptoms of COVID-19 .
• Plus much more – click here for more details.

From 1st March 2020

The first thing you will notice about the new policy wordings is the format, they have all been updated to move to our A5 format as part of our drive to make our wordings clearer and fairer to customers, and our claims teams.

Below is a list of changes applied to each policy wording:

Basic Single Trip & Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi-Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• Policy excess where applicable has been updated from £200 to £199.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
• ‘If you miss your outbound departure’ previously covered at £250, with no cover applying for ‘If you miss your outbound connection’ has been updated in the new policy to have one combined section called ‘If you miss your departure or onward connection’ and cover provided for £500.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• ‘If you are admitted to a public hospital’ cover now included for 2020! Coverage is provided for £20 per 24hour period, up to a maximum of £500.
• ‘If your checked in baggage’ now included for 2020! Cover is provided for £100 for the purchase of essential items if you are without your checked-in baggage for more than 12 hours.
• Lost or stolen cash section has been extended to included event tickets.
• ‘Emergency travel documents’ cover now included for 2020! This includes £100 towards the cost of additional travel and accommodation that you have paid to collect your emergency travel document, and £50 towards the actual cost of the travel document.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If you are killed, injured or disabled following an accident’ section has been increased from £5,000 to £10,000.
• ‘If you need legal advice’ section has been increased from £5,000 to £20,000.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.

Standard – Single Trip and Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• Your travel policy – Trip Disruption, If you are delayed – Cover has been updated from £10 for each 12 hours up to £150 in total, to £25 for each 12 hours up to £250 in total.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
• Mobility and disability equipment cover removed from the policy.
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If you need legal advice’ section has been increased from £15,000 to £20,000.
• ‘If your return is delayed due to air rage’ has been removed from the policy.
• ‘Pet care’ has been removed from the policy.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• Policy excess reduced from £100 to £99.

Premier – Single & Multi Trip

• Trips within your home country are not covered if less than 3 days on any one trip.
• Cancelling your policy, Multi Trip policies, this has been changed from refunding 5% of the total premium paid for each full calendar month remaining on the policy from the date of cancellation, to refunding 1/12^th of the total premium paid (including any additional premium charged for an existing medical condition) you have paid for each full calendar month remaining on the policy.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• ‘If you miss your departure or onward connection’ has increased to £1,000 for either event.
• ‘If your end supplier fails financially when you are away’ increased from £1,000 to £3,000.
• ‘If you are admitted to a public hospital’ has been updated to now cover £20 per 24hour period, up to a maximum of £500.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• Gadget extension claims assessors have changed to Taurus Insurance Services.
• Gadget eligibility not being more than 48 months old at the start of the trip has been removed from the policy.
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• ‘If your return is delayed due to air rage’ has been removed from the policy.
• ‘Pet care’ has been removed from the policy.

Backpacker/Longstay – Basic

• We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• Includes cover ‘if you are unable to go on your trip’, or ‘if you need to come home early’ up to £750.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• ‘If you need medical treatment abroad’ increased to £5,000,000.
• ‘If you are buried or cremated abroad’ has increased from £2,000 to £3,000.
• Lost or stolen cash section has been extended to included event tickets.
• ‘If your possessions are lost, stolen, damaged or delayed’ has been increased to £1,000.
• Cover provided if you need emergency travel documents, up to £150.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• Max age 55 years / Max trip duration 24 months.

Backpacker/Longstay – Standard

• We have combined the policies for 2020 and created 2 new cover levels, Basic and Standard.
• ‘What to do in a medical emergency’ section has been updated and renamed as ‘What you should do if you need out-patient treatment or treatment for a minor injury or illness, and What to do if you have a medical emergency when you are away’.
• New text inserted to add clarity around our position concerning Pregnancy and Alcohol related claims, this is shown in the new ‘Some things you should know’ section.
• ‘If you are unable to go on your trip’ section includes a new cover event, if the Foreign, Commonwealth & Development Office advises against all but essential travel within a 30-mile radius of your trip destination.
• New section added for 2020! ‘If a major incident happens when you are away’, with major incident being defined as:

War, invasion, acts of foreign enemy, hostilities or warlike operation (whether war be declared or not), civil war, mutiny, military uprising, insurrection, rebellion, revolution, military or usurped power, climatic conditions, volcanic eruption and other acts of nature which first arise during your trip.

We will cover you up to:

• £1,000 for reasonable additional travel expenses to enable you to return home or move to a safer area.
• £100 for each 24hour period up to £700 maximum for additional accommodation.
• £30 for each 24hour period up to £210 for food.
• £150 for emergency replenishment of baby essentials or prescription medication
• Lost or stolen cash section has been extended to included event tickets.
• If you are mugged section has been removed from the policy.
• If you are hijacked section has been removed from the policy.
• Optional Gadget extension, ‘Loss or theft of your e-wallet’ has been removed from the policy.
• Criteria for optional gadget extension purchase – the reference to the gadget not being more than 48 months old at the start of the trip has been removed from the policy.
• Optional Gadget extension claims assessors have changed to Taurus Insurance Services.
• ‘If you cannot use your pre-booked accommodation’ section has been removed from the policy.
• Max age 55 years / Max trip duration 24 months.