Providing Cheap Travel Insurance & Holiday insurance, annual travel insurance. Single trip insurance, Long Stay Insurance, ski insurance and Backpackers Insurance

Rock Insurance with Europ Assistance

Important Medical Health Requirements

You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.

This insurance operates on the following basis:
1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are travelling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are travelling with the intention of obtaining medical treatment or consultation abroad.
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless:

* You have declared that condition to Us; and
* You have declared any changes in Your health or prescribed medication; and
* We have accepted that condition for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition (other than the Waived Conditions listed) must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip. Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.

Pre-existing Medical Condition

For the purposes of this insurance, a Pre-existing Medical Condition is considered to be:

1. Any past or current Medical Condition (any medical or psychological disease, sickness, condition, illness or injury) that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.

We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover, and, if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact the Medical Screening Helpline during office hours on:

0870 737 6377

You will be asked further questions about the condition(s) and an additional premium may be payable to cover the declared condition(s).

IMPORTANT LIMITATIONS - CANCELLATION, CURTAILMENT & TRIP INTERRUPTION COVER

This policy will NOT cover any Cancellation, Curtailment or Trip Interruption claims arising directly or indirectly from a Pre-existing Medical Condition, known to you prior to the commencement of the Period of Insurance, affecting any:

* Close Relative who is not travelling as an Insured Person under this policy; or
* travelling companion who is not insured under this policy; or
* person with whom You intend to stay whilst on Your Trip,

IF during the 90 days immediately prior to the commencement of the Period of Insurance they:

a) had required surgery, inpatient treatment or hospital consultations; or
b) had required any form of treatment or prescribed medication,
c) were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance;
OR
d) if a terminal diagnosis had been received at any time prior to the commencement of the Period of Insurance.

You should also refer to the General Exclusions.

Waived Conditions

The following medical conditions are covered subject to the normal terms and conditions of this insurance and need not be declared to the Medical Screening Helpline, provided the Insured Person can meet ALL of the following criteria:

a) has NO other Pre-existing Medical Condition(s) which is not listed below; and
b) is not awaiting surgery for the condition; and
c) has been fully discharged from any post-operative follow-up.

IMPORTANT NOTE: IF THE INSURED PERSON DOES NOT MEET ALL OF THE CRITERIA SHOWN ABOVE THEN A FULL AND COMPLETE DECLARATION OF ALL PRE-EXISTING MEDICAL CONDITIONS (INCLUDING ANY LISTED BELOW) MUST BE MADE TO THE MEDICAL SCREENING HELPLINE.

For those aged 65-90+, please CLICK HERE.

Prices per adult under 65 for a single trip (inc baggage cover)

Days	UK	Europe	Worldwide less USA/Canada	Australia/ New Zealand	Worldwide inc USA/Canada
3	£4.28	£8.14	N/A	N/A	N/A
5	£4.28	£11.12	£23.66	£22.29	£26.46
10	£6.84	£13.70	£25.07	£23.66	£27.86
17	£8.57	£15.44	£28.26	£25.07	£29.98
24	£10.28	£18.67	£32.55	£26.46	£33.42
31	£11.99	£23.11	£37.68	£27.86	£39.41
Xtra weeks	N/A	£4.28	£6.69	£5.15	£8.57

All prices include insurance tax (17.5%).
Travellers aged 65 year to 79 years old qualify for this product at a premium.
Children under 2 are FREE

Annual Multi Trip Cover inc wintersports for adults under 65.

Area		Individual	Family
Europe		£56	£74
Worldwide (inc USA & Canada)		£67	£89

All prices include insurance tax (17.5%).
Travellers over 64 years old do not qualify for this product.
Includes 17 days Winter Sports
Covers departures from UK
Arranged by Rock Insurance Services Ltd and underwritten by Europ Assistance.

Need Help?
01825 712 945

Summary of Benefits         

---

Section	Limit	Excess
Cancellation and Curtailment	Up to £5,000	£50 Deposit £25
Medical Expenses Including emergency assistance services	£10,000,000	£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 £5,000	£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 £10,000 £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 £2,000 £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 (annual policy and 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

Family Definition	Two adults plus all their children under 18 in full time education, living at the family home and travelling with their Rock insured parent(s).
Children under 18	Must be in full time education.
Maximum Trip duration	31 days
Wintersports	17 days in total
Territorial Limits	Europe does not include Algeria, Israel, Libya and Lebanon.
Pre-Existing Health conditions	Pre-existing medical conditions are covered if you fulfill the conditions under the medical warranty.