AT Travel Insurance

AT Travel has arranged special travel insurance through travel insurance specialists, Infinity Insurance Solutions that is underwritten by the United Kingdom branch of Union Reiseversicherung AG. A summary of the cover is shown below. Full details of the policies, showing terms, conditions and exclusions are available on request. A copy of the policies will be sent to you with your booking confirmation.
Our policies provide up to the following cover per person:
Cancellation up to £1,000 (UK Trips) £3,000 (European trips) Departure delay £20 after 12 hours delay
£10 after each subsequent 12 hour delay (max £100) Abandonment after 12 hours up to £1,000 (UK Trips) £3,000 (European trips) Missed departure up to £300 Personal possessions up to £1,750  / maximum per item: £250  / total of valuables: £250 Delayed possessions up to £100 if your possessions are delayed by more than 12 hours from arrival at your resort Personal money up to £500  / cash limit: £250 Loss of travel documents up to £250 for travel and accommodation costs necessary to replace your lost travel documents               
Emergency medical expenses up to £2,000,000 (includes 24 hour emergency assistance) State hospital benefit £15 per day, up to maximum of £300 Curtailment charges up to £1,000 (UK Trips) £3,000 (European trips) Personal liability up to £2,000,000 Personal accident Death: £10,000  / Loss of Limbs: £15,000 Legal advice & expenses up to £10,000
Policy excess: You will have to pay £35 when your claim is for cancellation, abandonment or curtailment on trips costing less than £120 (£45 on trips costing more than £120). You will have to pay £10 when your claim is for loss of deposit only. You will have to pay £40 when your claim is for personal possessions, personal money, loss of travel documents, emergency medical expenses, or personal liability (this is increased to £250

when your claim is for damage to property).
Premiums (including Insurance Premium Tax)	Up to 5 days (UK) Up to 5 days Up to 8 days	£12.50 £21.00 £28.00	Up to 10 days Up to 12 days Up to 14 days	£32.00 £33.00 £34.00

AT Travel is an Appointed Representative of *We would describe as serious any medical condition which diving and water sports, check that your policy Milsom Howard Limited. Infinity Insurance has been referred to a specialist at a hospital in the last 12 covers you. Solutions is a trading name of Milsom Howard months Limited. Milsom Howard Limited is authorised and **We would define as recurring any persistent or ongoing Property Claims: These claims are paid based on condition which has caused you to need treatment more regulated by the Financial Services Authority. than once in the last 12 months the value of the goods at the time you lose them, and Union Reiseversicherung AG is authorised in not on a ‘new for old’ or replacement cost basis, Germany by BaFin and regulated in the United Please note: unless otherwise stated in your policy. Your policy Kingdom by the Financial Services Authority Our insurers are unable to provide cover for will set out what proof the insurer needs to support a anything which is a result of a pre-existing medical claim. TRAVEL INSURANCE -IMPORTANT NOTICE condition of a close relative or close business associate. Policy Limits: Most sections of your policy have limits on the amount the insurer will pay under that Before you purchase this insurance AT Travel is If your trip is within Europe: section. Some sections also include other specific required to bring to your attention a number of Please would you answer either ‘YES’ or ‘NO’ to the limits, for example: for any one item or for valuables important aspects: following questions: in total. You are advised to check your policy if you Policy document: You should read the document Have you or anyone who is travelling with you intend taking expensive items with you.
carefully. It gives you full details of what is and what Policy Excesses: Under most sections of the policy, is not covered and the conditions of the cover. Cover 1. Ever received treatment for: claims will be subject to an excess. This means that will vary from policy to policy and insurer to insurer. (a) a heart related condition, stroke or you will be responsible for paying the first part of the hypertension (high blood pressure). claim. The amount you have to pay is the excess. Conditions, exclusions & warranties: Conditions (b) a breathing condition (including You may be able to pay an additional amount to and exclusions will apply to individual sections of your policy while general exclusions, conditions and asthma). remove the standard policy excess.
warranties will apply to the whole of your policy. (c) cancer. (d) diabetes. Reasonable Care: You need to take all reasonable Medical expenses: Your policy does not provide care to protect yourself and your property, as you 2. Been referred to a hospital or a would if you were not insured. private health treatment unless specifically specialist consultant for a health Fraud: The making of a fraudulent claim is a criminal
approved by the emergency assistance service. You condition that has: offence. Your insurer may be recording details of should carry an EHIC (European Health Insurance (a) been diagnosed within the last two claims on an anti-fraud register. Card) or equivalent and use this at state facilities when travelling within the European Union. years. (b) been in existence in the last two years. Complaints: Our Insurers set high standards, if you (c) resulted in treatment being given in the are not satisfied with the insurance policy, please Health: Most travel insurance policies have health last two years. refer to the policy wording which contains full details restrictions in them that may exclude any pre-(d) resulted in referral to a specialist or of the complaints procedure. existing conditions. If you are purchasing our travel hospital for treatment. ‘Cooling Off’ Period: Your policy will have a ‘cooling insurance we want to ensure you are provided with off’ period during which you can cancel the policy the best cover we can offer. If you have answered ‘YES’ to any of the above and get a refund, if you have a justifiable reason for questions then you must ring Travellers Healthcheck being dissatisfied with the cover it provides. If your trip is within the United Kingdom: on 08451 300210. Please quote AT Travel when Please ensure that all those insured on these policies contacting them. Our insurers will be able to offer Your policy is governed by the law of England and read the following statement carefully and are aware some cover and may be able to cover your health Wales unless you and your insurers have agreed that there is no cover for any claim arising out of, or condition, although an increased excess and/or an otherwise. caused by a pre-existing medical condition, if in the increased premium may be required. All calls will be last 12 months you, or anyone travelling with you:  treated in the strictest confidence and the decision If you would like more information, please contact:

1. has had to consult a doctor about your / their will be confirmed to you in writing. Should they Infinity Insurance Solutions: Tel: 0844 544 9910; Fax: condition (other than for a planned check up); require any additional premium and you accept their 01483 730969; e-mail: sales@mgti.co.uk,
2.  has had your / their medication changed due offer, this should be paid to the medical helpline particularly if you feel the insurance may not meet to exacerbation or instability of their condition; either by credit card or cheque within 14 days of your needs.
1. • has been treated for any serious* or your call.
2. recurring** medical condition; These details are not a substitute for your insurance
3. • has been referred to a specialist or consultant Please note: policy.
   at a hospital for tests, diagnosis or treatment• • Our insurers are unable to provide any cover
   has been told they are terminally ill (unlikely to on psychological conditions such as stress, PLEASE NOTE:
   
4. live for longer than six months); anxiety, depression, eating disorders or mental
3. knows of any reason why the trip may need to instability. • AT Travel only offers travel insurance from a single be cancelled or curtailed; • Our insurers are unable to provide cover for insurer – URV
4. would be considered unfit to participate in the anything which is a result of a pre-existing this trip by their Registered General medical condition of a close relative or close • You will not receive advice or a recommendation Practitioner; business associate. from us for travel insurance. You will need to make • has any psychological disorder such as your own choice about how to proceed
   depression, anxiety, stress, or illness causing Hazardous Activities: If you are taking part in
   mental instability. activities that present a risk of injury, including scuba Please make sure you read your policy carefully.