Frequently Asked Questions
The list of frequently asked questions below might help to answer any queries you
may have.
Who underwrites the Policies?
All our policies are underwritten at Lloyd's of London.
What is an Excess?
An excess is the first part of any claim that an Insured Person has to pay before
the policy pays. Details of the excesses can be found in the
Policy Summary
What is the maximum number of days that an Annual Policy covers?
An Annual Policy can be purchased to cover individual trips of either 17,32,45 or
90 days. Unlimited trips can be taken during the policy period up to the maximum
days purchased per trip.
Are Winter Sports covered under Annual or Single Trip Policies?
No, Winter Sports cover is an option on either Annual or Single Trip policies.
Up to what age does the child rate apply?
The child rate applies up to 17 years of age at the date of travel.
Can a spouse/partner or child included on an Annual Policy travel separately?
A spouse/partner can travel separately but a child must travel with at least one
Insured parent. For a child to travel separately, the adult rate would apply.
When does Cancellation Cover commence?
Cancellation Cover commences immediately after the product has been purchased and
the relevant premium paid. It ends upon your departure from your Country of Residence.
Can I cancel my policy?
There is a cooling off period of 14 days from the date of purchase and assuming
that your journey has not commenced and there has not been a claim, a full refund
can be made.
Am I insured for hazardous activities?
You are covered for a number of hazardous activities which are carried out on an
occasional basis. For specific details refer to the definition of Hazardous Activities
in the
Policy Wording
What is the definition of a family?
On our Single Trip policies a family is defined as 2 adults and all dependent children
up to the age of 17 at the date of booking the travel insurance. On our Annual Multi
Trip policies a family is defined as 2 adults and up to 2 children up to the age
of 17 at the date of booking the travel insurance. Any additional children are charged
separately.
Am I covered for any pre-existing medical conditions?
A Medical Condition which has manifested itself prior to the date of issue of the
insurance is not covered by the Policy.
Am I covered for travel within my Country of Residence?
You are covered for travel within your Country of Residence so long as your destination
is at least 150 km from your home and accommodation must be pre-booked. There is
no cover under the Medical Expenses section in your Country of Residence.
Do I have to pay my medical bills abroad?
If it is a small claim for medicines or minor treatment, you should pay the bills
and submit the claim.
Can I reduce my premium by opting out of any covers?
Yes – you can reduce your premium by removing either medical expenses, repatriation
and hospital benefit and/or cancellation cover and/or personal effects and baggage
cover.
Can I insure my golf clubs?
Yes, under our Annual Multi Trip policies you can take out our optional golf cover
which not only covers your golf clubs for loss and damage up to £1000 or 1500 Euros,
but also covers you against loss of green fees.
What currency will my Policy be in and in what currency can I pay ?
Your policy will be designated according to the currency of the Country of Residence. Your payment will be debited to your debit/credit card in the currency of the card.
If you have a question which is not answered here, please feel free to contact us
at enquiries@europesure.com or telephone
+44 (0) 1277 637585.