There are no policy restrictions or exclusions relating to pregnancy but you must not be travelling or taking part in high risk sports against medical advice or experiencing any complications relating to pregnancy. Please consult the policy health statement before proceeding https://www.snowcard.co.uk/health-statement and speak with your GP about whether they feel you are okay to engage in adventure sports whilst pregnant.
If you have an annual policy with another insurer and you require cover for just a short duration of higher risk activity with Snowcard, you CAN NOT purchase a few days of cover in the middle of a longer trip insured by another policy. For a Snowcard policy to be valid, you must insure the full duration of your trip from UK departure to UK return for your cover to be valid.
Children up to and including age 18 can travel independently on a family policy. Children over the age of 18 travelling independently are classified as adults and require their own policy.
The policy is subject to certain health exclusions for pre existing conditions. You may call Snowcard to discuss any uncertainties or email [email protected]. If you or anyone you are buying insurance for has a pre existing medical condition, you must refer to the health statement (your-pre-existing-medical-conditions) to see if it is covered. Some conditions will be covered, others not. If your condition is not covered by the Snowcard policy, you can still purchase a policy which will cover any new accidents or illnesses happening on holiday. If you require cover for a pre existing medical condition that is excluded by the Snowcard policy, you must seek alternative cover with an insurer specializing in pre existing condition insurance. Please refer to the British Insurance Brokers’ Association website at: www.biba.org.uk
Please refer to page 13 of the policy wording for specific exclusions regarding the health of close relatives/business associates or other travel companions.
Airlines have a legal responsibility for damage to any property in their care, custody and control, this includes bikes or any sports equipment you have paid to travel in the aircraft hold. If you take the optional 'equipment' section of cover you will be insured for any 'irrecoverable' expenses resulting from damage to your equipment in transit. This means that in the first instance you must seek what is known as a 'property irregularity report' or 'PIR' from the airline if your equipment or baggage is damaged and you wish to make a claim. If you are able to obtain compensation from the airline for damage to equipment you can only claim for any expenses in excess of any compensation award. If you do not obtain a PIR, you will not be able to make a claim against your travel insurance, it is a policy condition that a PIR is requested from the airline. NOTE: CHECK EQUIPMENT BEFORE LEAVING THE AIRPORT - airlines are unlikely to issue a PIR after you have left the airport and this will mean you can not claim against your insurance policy.
Annual ‘Multi trip’ policies only cover holidays in the UK with at least one nights pre-paid accommodation.
There are some activity holidays we are unable to provide cover for. These include:-
Horse racing, polo and hunting.
All aerial sports including paragliding, hang gliding, flying microlight aircraft, piloting any aircraft and hot air balloons.
Un-guided or self organised off road motor cycle sport.
Motor sport, motorised racing or time trials.
Any professional competition or competing in major international events as a UK representative.
Self organised mountaineering expeditions which we have not agreed in advance to cover.
Exploratory expeditions that we have not agreed in advance to cover.
Professional indemnity insurance or public liability insurance for running a business.
Employers liability insurance.
Public liability or third party liability for operating motorised vehicles.
Any travel to the Polar regions for specialist expeditions.
Any travel to the Antarctica.
Transatlantic yachting expeditions or ocean crossings and global circumnavigation.