Annual Travel Insurance
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Medical, cancellation inc wintersports (+ baggage)

Area		Individual	Family
Europe		£36 (£45)	£65 (£82)
Worldwide (inc USA & Canada)		£50 (£62)	£89 (£112)

All prices include insurance tax (17.5%).
Travellers over 65 years old do not qualify for this product.
Children under 18 travelling with parents are FREE.
Includes 17 days Winter Sports
Covers departures from UK & Ireland
Arranged by Primary Insurance Ltd and underwritten at Lloyds of London.

Need Help?
01444 401700

Summary of Benefits         

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Section	Limit	Excess
Cancellation and Curtailment	Up to £3,000	£50 Deposit £25
Medical Expenses Including emergency assistance services	£5,000,000	£75
Hospital benefit plus unused excursions	£15 per day up to £600 Up to £100	N/A
Travel delay	£20 for first 12 hour period £20 for each additional 12 hour period up to £300	N/A
Holiday Abandonment	Up to £3,000	£50
Missed departure	Up to £1,000	£50
Personal Accident Max Benefit Loss of limbs or sight (aged under 66) Permanent Total Disablement Death benefit (aged 18 - 65) Death benefit (aged under 18) All benefit (aged 66 and over)	£25,000 £25,000 £25,000 £5,000 £2,500 £2,500	N/A
Personal Liability	Up to £2,000,000	£250
Catastrophe Cover	Up to £1,000	£50
Withdrawal of Services	£50 per day up to £500	£50
Mugging Benefit	£40 per day up to £400	N/A
Legal Expenses	Up to £25,000	£250
Pet Care	£20 per day up to £100	N/A
Personal Effects & Baggage & Personal Money (where additional premium has been paid)
Personal Effects and baggage Single Item Limit Valuables Limit in total Travel Documents Delayed baggage	Up to £1,500 £250 £250 £250 £50 per day up to £150	£50
Personal Money Cash Limit Cash (aged under18)	Up to £500 £200 £50	£50
Winter Sports Cover (where additional premium has been paid)
Ski Equipment Owned Single Item Limit - Owned Hired	Up to £500 £250 Up to £250	£50
Ski Hire	£20 per day up to £200	N/A
Ski Pack	Up to £50 per day up to £300	N/A
Piste Closure	Up to £20 per day up to £200	N/A
Avalanche Closure	Up to £250	£50

Conditions

Aged 66 years and over	No cover
Children under 18	Free when accompanied by a Primary insured parent
Couple	Individual travel allowed
Territorial Limits	Europe does not include Algeria, Israel, Libya and Lebanon.
Maximum Trip duration	31 days
Wintersports	17 days in total
Pre-Existing Health conditions	Pre-existing medical conditions are covered if accepted by Healthcheck on 0870 443 9702.
UK Cover	For trips over 50 miles from home (where accommodation has been pre-booked for at least two nights)
Advance Bookings	The start date of all annual policies must be within 90 days of the date of taking out the policy.