Personal Holiday Insurance

Our personal holiday insurance policy has been exclusively designed by Voyager Insurance Services Limited for Inntravel, to cover your needs when travelling on one of our holidays - its cover is among the most comprehensive available. Benefits include:

• 24-hour medical emergency service
• cover if you are unable to walk or cycle for all or part of your walking or cycling holiday due to injury or illness
• cover if you have to cancel before departure
• cover for loss of baggage
• cover for travel delay, including the cost of getting you on another plane, ferry or train if you miss any of your travel connections because of a delay to pre-booked public transport, or a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling

In addition, our great-value multi-trip insurance offers the following advantages:

• great savings if you travel more than two or three times a year
• covers trips of up to 31 days with a total of 183 days per year
• family members (2 adults plus dependant children under 18) can travel separately
• up to 17 days’ free winter sports cover including ski equipment
• business travel is included
• UK trips of at least 2 nights in paid accommodation are included
• cover available for persons aged up to 65

The following is a summary of cover only. You will receive the full policy wording which defines the cover, conditions and exclusions with your Booking Confirmation and Invoice. We strongly advise you to read the important features and conditions of your insurance on your policy document.

We consider adequate travel insurance to be essential. If you decide not to purchase our insurance, you must provide us with details of your alternative policy (insurer, policy number and medical emergency telephone number). If you do not inform us of your alternative arrangements, we will automatically add our insurance premium to your invoice. We cannot be held liable for any costs which arise that would otherwise have been met had you taken our insurance.

The insurance is arranged with UK Underwriting Ltd and underwritten by AXA Insurance UK plc.

Description of cover		Up to per adult	Excess
24-hour emergency service		Included	n/a
Pre-travel advice line		Included	n/a
Cancellation and curtailment		£3,000	£75
Emergency medical and repatriation expenses		£5,000,000	£75
Hospital stay benefit (amount per day)		£500 (£25)	nil
Personal accident		£15,000	nil
Death		£5,000	nil
Travel delay / Abandonment after 12 hours		£80 / £3,000	nil / £75
Missed departure		£1,000	£75
Personal effects	- overall (maximum per item, pair or set) - total limit for all valuables	£1,500 (£250) £250	£75 £75
Money (cash limit)		£500 (£300)	£75
Passport indemnity		£250	nil
Public liability		£2,000,000	£75
Legal expenses		£15,000	£75
Inability to walk or cycle on a walking or cycling holiday (amount per day)		£150 (£15)	nil

Winter sports cover (only applies if you are paying single trip ski insurance rates or if you purchase the annual multi-trip policy, which includes 17 days' winter sports cover)		Up to per adult	Excess
Ski equipment	- overall limit - maximum per item or pair owned or borrowed - maximum per item or pair hired	£400 £300 £75	£50 £50 £50
Ski pass / hire / lessons (amount per day)		£150 (£15)	nil
Piste closure (amount per day)		£200 (£20)	nil
Avalanche transport disruption (amount per day)		£150 (£30)	nil

Existing Health Conditions

When you purchase the Voyager policy, we will ask you to answer the following questions in relation to yourself and your travelling companions:

1) Have any of you ever suffered from or been investigated or treated for or diagnosed with:
• any cancer or malignant condition?
• any lung or heart-related condition (including angina)?
2) Do any of you have any other Pre-Existing Medical Conditions? These are defined as any condition that has required referral to or consultation with a specialist or hospital for treatment, investigation or check up within the 12 months prior to:
a. the date that this insurance was arranged
b. the date that you subsequently made arrangements for a trip (if this is an annual multi-trip policy)

If the answer is YES to any of these questions, you will be asked to contact Voyager’s Medical Pre-screening Service on 0870 381 1230. You must quote reference VOY/INN/2008. (Lines are open 9am-5.30pm Monday to Friday, or 9am-5pm on Saturday and Sunday.)

In most cases, cover is provided at no extra cost. If special terms are necessary, these will be explained to you and confirmed in writing.

Serious medical conditions suffered by people who are not insured on this policy but on whom your travel plans depend should be declared to Voyager Insurance on 01483 562662 as a material fact.

How much does it cost?

Prices per adult (premiums include Insurance Premium Tax)

SINGLE TRIP - EUROPE			SINGLE TRIP - EUROPE (SKI) includes winter sports cover#			SINGLE TRIP - NORTH AMERICA
	Aged up to 65	Aged 66+		Aged up to 65	# Aged 66+		Aged up to 65
3 days	£15	£23	3 days	£23	£35	9 days	£72
5 days	£25	£38	5 days	£38	£57	10 days	£78
9 days	£29	£58	9 days	£44	£88	17 days	£88
17 days	£37	£74	17 days	£56	£112	25 days	£110
25 days	£40	£80	25 days	£60	£120	32 days	£132
32 days	£42	£84	32 days	£63	£126	additional weeks	£22
39 days	£44	£88	39 days	£66	£132	Please call for details of our alternative policy if you are aged 66+

Infants aged 0-3 inclusive are free. Children aged 4-13 inclusive are free when travelling as a family unit, otherwise they are charged 50% of the premiums. Please call us for details of alternative policies.

#The policy does not cover novice skiers (defined as a beginner who has not skied on snow before) aged 66 or over.

Great value-added annual multi-trip insurance

ANNUAL MULTI-TRIP*
Policy	Europe	Worldwide
Adult	£80	£132
Couple	£118	£180
Family	£144	£228

* Maximum age 65 years on multi-trip policies. Please call us for details of alternative policies. Owing to regulations by the Financial Services Authority, please note that we can only sell or renew annual multi-trip insurance to customers who are making or already have an existing holiday booking with us.

Accidents and breakdowns can ruin a holiday so it is sensible to purchase vehicle assistance cover. There is a wide choice of such policies available, for example from the major motoring organisations or, at very competitive prices, from vehicleassist.co.uk/inntravel.

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