Please read the policy carefully, especially the health statement and health exclusions on page 7.
You must meet the conditions or your claim will not be accepted. This policy will not cover you for all eventualities.
Limit of cover
Each section of the personal insurance cover shows the most you can claim, but other limits may apply. For example, under the Personal Belongings section, the overall limit is stated on the insurance schedule but there is a limit of £350 for any single item and a total limit of £350 for all valuables. The limits of cover apply to each individual person and each insured trip separately. We will work out how much we will pay you for baggage claims based on the value of the items at the time of the loss, not the cost of replacing them. The limits of cover apply to each trip separately.
Adventure activities
If you are going to take part in any sporting or adventure activity, please read the activities list (see https://www.snowcard.co.uk/activities-covered) to make sure your activity can be covered. If your activity is not mentioned please contact Snowcard Insurance Services Ltd to confirm whether or not you can be covered.
Premium refund
If you are not satisfied with this policy and have not taken a trip protected by the cover provided and have not made a claim against the policy and there has been no incident likely to give rise to a claim (such as the cancellation of a booked trip), you can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full.
We will not refund your premium after the 14 day period. If you want to cancel your policy please contact Snowcard Insurance.
We or anyone we authorise have the right to cancel this policy at any time by sending you fourteen days notice in writing where there is a valid reason for doing so. We will send the notice to the last known address we have for you and we will set out the reason for cancellation in our letter. Valid reasons may include but are not limited to:
- Changes to the information given at the point of purchase which may result in the risk no longer being acceptable to us.
- Where we suspect fraud on this or any other related policy.
- Where a misrepresentation has been made that means we no longer wish to provide cover.
As long as you have not made a claim, we will refund you for the time that was left on your policy. If any claim has been made during the period of cover provided, you must pay the full premium and you will not be entitled to any refund.
Excesses
We will take off an excess (as stated on the insurance schedule) from each claim you make, per insured person, under certain sections of this insurance policy, unless you have paid the additional premium to remove the policy excess. The amount you will have to pay towards a claim is shown under each section. Please note that if you pay an additional premium to reduce or remove the excess, this does not apply to the Personal Liability section, where the excess shown will continue to apply.
Reciprocal health arrangements
European/Global Health Insurance Card (EHIC/ GHIC)
• If you already have a valid EHIC, it will continue to entitle you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Area (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. Cover will end on the expiry date of your EHIC.
• If you do not have a valid EHIC or it is due to expire before you travel, you can apply for a GHIC. This entitles you to reduced- cost, sometimes free, medical treatment that becomes necessary while you are in a European Union (EU) country.
• These cards give access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care.
• You may apply for an GHIC online at www. ghic.org.uk or by calling 0300 330 1350.
Note:
The EHIC/GHIC do not cover the cost of medical treatment in a private hospital or clinic, the additional cost of returning to your home country or for a close relative to stay or fly out to be with you. In a medical emergency you may have no control over the hospital you are taken to or the closest hospital may be private.
Australia
- If you are travelling to Australia you should enrol in Medicare which will entitle you to subsidised hospital treatments and medicines. You can do this by contacting a local Medicare office in Australia.
- All claims for refunds under the Medicare scheme must be made before you leave Australia. For more information on Medicare visit: www.medicareaustralia.gov.au or email: [email protected].
If you make use of these arrangements or any other worldwide reciprocal health arrangement which reduces your medical expenses, you will not have to pay an policy excess under Medical, repatriation and other expenses section.
Making a claim
To help us deal with your claim quickly and efficiently, please read ‘Making a claim’ on page 16. This section explains what documents you will need to support your claim. You must collect some of the proof you need, for example a police report, while you are away from home. It also explains when you will need this kind of proof.
Geographical limits
EUROPEAN REGION – covers the UK, Europe including Scandinavia. Also, Turkey, Egypt, Tunisia and Morocco and countries bordering the Mediterranean including the Canaries, the Azores and Madeira.
WORLDWIDE excluding USA, Canada and the Caribbean – covers all other countries in the world.
WORLDWIDE including USA, Canada and Caribbean - all countries in the world including the United States of America, Canada and the Caribbean.
Specialist expeditions
We do not offer expedition cover to either the North or South Poles. All other expeditions to remote regions are subject to individual quotes and require a full detailed submission of the expedition itinerary before the risk is accepted. Please email your expedition itinerary including guiding arrangements, your experience, emergency provisions and expedition objectives to [email protected]
What to do in a medical emergency
In a medical emergency, contact our 24-hr Emergency medical assistance service for help. Please read the back of this policy for details and refer to your assistance eSnowcard which shows the telephone number to call from abroad.
Trip limits
For single trip insurance
Trips of up to 90 days can be covered depending on the policy duration you purchase.
For annual multi-trip insurance
Any number of trips can be taken in the 12 month policy period subject to a 31 day single trip limit. The single trip limit can be extended to 45, 60 or 90 days subject to the payment of an additional premium.
Winter sports cover on annual multi-trip insurance
Depending on the cover level selected the number of days covered for winters sports is 28 days up to a maximum of 90 days. Refer to www.snowcard. co.uk/content/winter-sports-cover-multi-trip-policies for further information.