A partner is your husband, wife, civil partner or someone you're living with as if you're married to them. 7kh vfkhph lv rswlrqdo krzhyhu li wkh rswlrq lv h[huflvhg lw zloo eh frpsxovru\ iru doo sdvvhqjhuv errnhg xqghu rqh 315 qxpehu 7kh suhplxp z h i 2fw lv 5h sdlvh shu sdvvhqjhu lqfoxvlyh ri doo wd[hv &xvwrphu vkdoo uhfhlyh wkh srolf\ lqirupdwlrq wkurxjk 606 dqg rq wkhlu DOCUMENT OF INSURANCE TRAVEL 2 Contents Page Welcome to LV= 1 Summary of policy limits 3 Your travel insurance policy 5 Definition of words 6 Important information about your policy 10 Important information about health declarations and health exclusions 13 General exclusions 15 General conditions 16 Activities 18 Section A: If you need to cancel your trip before you travel 20 Annual travel insurance (Multi trip insurance). 12 Mar 2020 Check your policy for the full terms and conditions. For single trip cover - cancellation cover begins from the cover start date shown on your schedule and ends when you start your trip. W*kaC>i1�>�Yow�HŹ��s��fSC�n�/.ˑ��sơSgE6��9W��&h6��X�t Defaqto delivers timely and accurate information to all layers of the financial services sector including banks, insurers, advisers, comparison web sites, regulatory agencies and consumers. Remember to check the tick box to confirm that you have read, understood and agreed to the Terms and Conditions of your insurance policy, in particular the Conditions and Exclusions relating to all pre-existing medical conditions. l=8[��\l�t?d���)��zF�� �k����bI���� R2�u��c�8��h���T��\w�c��+���a���{�l5���&�vWGG�J����O˻���y���5 �H�ü�? Please refer to your travel document of insurance for full details of your policy’s exclusions. The government has advised against non-essential travel. For all other sections, cover starts at the beginning of your trip and finishes at the end of your trip. If you have selected manual renewal, the renewal date is the date that the policy cover will end unless you call to renew and continue the policy cover. 827 0 obj <>/Filter/FlateDecode/ID[<93A6CDA08296544BA2F5AEDE33080458>]/Index[810 60]/Info 809 0 R/Length 94/Prev 131691/Root 811 0 R/Size 870/Type/XRef/W[1 2 1]>>stream For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support, https://www.gov.uk/government/organisations/foreign-commonwealth-development-office, There's no limit on the number of trips you take during the period of cover, Any trip that's booked to last longer than 31 days is not covered on the Essential policy, Any trip that's booked to last longer than 90 days is not covered on the Premier policy, A circulatory condition such as strokes or high blood pressure, A gastrointestinal or digestive tract problem, Medical investigation or tests for any conditions or symptoms that relate to a diagnosed condition, Treatment or surgery for any conditions or symptoms that relate to a diagnosed condition, Prescribed medication for any conditions or symptoms that relate to a diagnosed condition, Name of the policyholder and additional travellers (if applicable), Any medical conditions that may vary the terms of your insurance, A trip can’t be more than 366 days if you are less than 65 years of age, or more than 90 days if you're  65 years of age or over. Terrorism is an act or threat of action by a person or group of people, whether acting alone or in connection with an organisation or government, committed for political, religious, ideological or similar purposes intended to influence any government or to frighten the public or any section of it. Page 1 of 18 We use cookies to make sure your experience is as good as it can be. The excess is the amount you must pay towards a claim before we'll make any payment and are shown on your policy schedule. IJSC BALTA Travel Insurance Terms and Conditions No. DOCUMENT OF INSURANCE TRAVEL 2 Contents Page Welcome to LV= 1 General policy information Summary of policy limits 3 Your travel insurance policy 5 Definitions 5 Important information about your policy 9 Important information about health declarations and health exclusions 13 General exclusions 15 General conditions 17 Activities 20 Cover sections If you can't finish your trip as planned because of death, injury or illness or there's a delay to the public transport system that can't be avoided, we’ll extend cover free of charge until you can reasonably finish your trip. Children will be covered subject to the terms and conditions of the Boots Travel Insurance policy. We specialise in providing travel insurance for people who have medical conditions but don't want to be held back by them. Legal costs are fees, costs and expenses (including Value Added Tax or equivalent local goods and services taxes) that we agree to pay for you in connection with legal action. Foreign, Commonwealth and Development Office (FCDO). The actual time varies, so check your policy details. All our policy benefits are subject to terms, conditions and exclusions. If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. Whether you have high blood pressure, diabetes, cancer or anything else, you must declare it. A journey that takes place during the period of cover which begins when you leave home and ends when you get back home, or to a hospital or nursing home in the United Kingdom, whichever is earlier. A renewal notice is an invitation we send to you at least 21 days before your annual policy is up for renewal and due to expire. Personal accident cover insures you against certain accidents resulting in the loss of sight, loss of limbs or total permanent disablement. A child is any insured person, other than the policyholder and the policyholder's spouse or partner, who is aged 21 years or under and named on the schedule. A travelling companion is a person who's booked to travel with you on your journey. Both policies include GBP10 million medical cover, GBP2,500 personal possessions cover, GBP500 for loss of money, GBP5,000 for cancellation, and GBP250 delay … Airlines, Cruise Liners and Hotels) to sell out, alter or withdraw prices including advertised special rates. All policies are underwritten by LV. LV= Travel Insurance Cashback is available through TopCashback on genuine, tracked transactions completed immediately and wholly online. Each of your suitcases, trunks and similar containers (including their contents), possessions and items you wear, carry or use, that are taken on or purchased during a trip by you, but not valuables (which are defined below). An insurer is a provider of insurance. LV's travel insurance policy is underwritten by Liverpool Victoria Insurance Company Limited. About LV=Travel Insurance 10% online discount on LV= travel insurance Choose from either Essential or our 5 Star Defaqto rated Premier cover, which offers: • Up to £10,000 cancellation cover • All pre-existing medical conditions considered • No upper age limit for single trips A colleague is a person in the UK who works for the same company as you and who, if away from work at the same time as you, would prevent the business from running properly. You must provide details of qualifying children to be covered. With the high-profile collapse of a number of scheduled airline companies in recent years, this level of cover has recently been introduced and should be seen as an essential benefit to your travel insurance Policy. Children are automatically covered if travelling with the policyholder, the policyholder's spouse or partner, or an adult (aged 22 years or over) insured by the policy, or as part of an organised school, university or club trip accompanied by a responsible adult. In case of conclusion of insurance contract only insurance terms and conditions in Latvian are binding. If you are quarantined as a result of COVID-19, you could be covered under the Trip Cancellation or Curtailment benefit, subject to the terms and conditions of your insurance policy. If prices, rates or inclusions vary from your quotation or from an advertised price, we will advise you of any change prior to your booking request and any transaction being processed. A trip can't be more than 366 days if you are less than 65 years of age or more than 90 days if you're 65 years of age or over. Jewellery, watches, glasses (including sun glasses), contact lenses, keys, hearing aids, any electric, electrical or electronic items or equipment including their accessories (e.g. Terms and conditions apply. Is to provide cover for unexpected emergency medical treatment costs and to arrange to get you back home if you're too unwell to continue your trip (please note that emergency medical treatment costs are not available if you only have UK cover because the NHS will cover these). Trips within the United Kingdom must have either pre-booked accommodation, or be more than 25 miles from your home, or involve a sea crossing. If you return home before your cover end date, all cover will also end. We cover you for off piste skiing and snowboarding when skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines. endstream endobj 811 0 obj <>/Metadata 56 0 R/Names 829 0 R/OpenAction 812 0 R/Outlines 846 0 R/PageMode/UseOutlines/Pages 805 0 R/StructTreeRoot 71 0 R/Type/Catalog/ViewerPreferences<>>> endobj 812 0 obj <> endobj 813 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/StructParents 0/Tabs/S/TrimBox[0.0 0.0 396.85 561.26]/Type/Page>> endobj 814 0 obj <>stream An 'action' means: violence, damage to property, putting life in danger, creating a public health risk, or disrupting electronic systems or transport services. If you’re happy with that, just continue using the site. Albania, Andorra, Austria, Azores, Balearic Islands, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, England, Estonia, Finland, Former Yugoslav Republic of Macedonia, France, Germany, Gibraltar, Greece, Greek Islands, Hungary, Iceland, Ireland, Isle of Man, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Northern Ireland, Norway, Poland, Portugal, Romania, Russia west of the Ural mountains, San Marino, Scotland, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, Ukraine, Wales and Vatican City State. For those with medical conditions, the average cost was higher, at £40.31. 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