Study Abroad/Long Stay/Backpacker Travel Insurance F.A.Q's

TRIP EXTENSIONS IF YOU ARE UNABLE TO RETURN HOME FROM YOUR TRIP AS PLANNED

If your return travel is delayed due to a covered reason, we will extend your period of cover until the earlier of when you are able to return to your primary residence, or until the day you arrive at a medical facility in your country of residence for further care if you end your trip due to a medical reason.

TRIP EXTENSIONS IF YOU DECIDE YOU WISH TO EXTEND YOUR TRIP

Please contact Cover4insurance on 0161 772 3390 or by emailing customerservices@cover4insurance.com to discuss your requirements

We would suggest that if you have not started that part of your journey you contact your airline to change your travel plans to move on to the next part of your itinerary.

If you arrive at your stop-over airport and entry is denied due to Covid-19 you should contact your airline to change your travel plans to move on to the next part of your itinerary.

If you are offered an alternative destination and or dates from your travel agent, we may be able to shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area.

Please call the customer service team on the number listed in your policy wording to discuss further.

In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to refund a proportion of the premium you have paid. Refunds are provided on the understanding you have not travelled or made a claim before you asked to cancel the policy.

You can choose from three levels of cover:

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of each and every claim, per incident claimed for, under each section by each insured person.
^‡In the event of liability being accepted for a medical expenses claim, which has been reduced by the use of a GHIC or EHIC, we will not apply the deduction of the excess under Section E - Emergency Medical/Dental Abroad.

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part of each and every claim, per incident claimed for, under each section by each insured person.
^‡In the event of liability being accepted for a medical expenses claim, which has been reduced by the use of a GHIC or EHIC, we will not apply the deduction of the excess under Section E - Emergency Medical/Dental Abroad.

Under most sections of the policy, claims will be subject to an excess. This means that you will be responsible for paying the first part ofeach and every claim, per incident claimed for, under each section by each insured person.
^‡In the event of liability being accepted for a medical expenses claim, which has been reduced by the use of a GHIC or EHIC, we will notapply the deduction of the excess under Section E - Emergency Medical/Dental Abroad.

Gadget Cover

What is a gadget?

Gadget - means the portable electronic equipment owned by you, the replacement value of which must not exceed the maximum benefit for ‘Gadget Cover’ shown in the ‘Cover Summary’ in the policy wording, with the relevant proof of purchase, that is in good condition and in full working order at the time of your trip, including laptops, mobile phones, smart phones, iPhones, iPads, tablets, e-readers, MP3 Players, CD/DVD players, head/ear phones, satellite navigation devices, PDAs, handheld games, consoles, cameras, video cameras and wearable technology (e.g. smart watch or health and fitness tracker) but excluding drones.

All gadgets must be less than 6 years old at the start date of the insurance (18 months for laptops) and must have been manufactured to a UK Specification, with valid proof of purchase.

All gadgets must have been:

1. Purchased as new and must be in full working order at the start date of this policy, or
2. purchased by you as refurbished in the UK, as long as, the refurbished gadget was sold with a minimum 12-month warranty and this stated on your evidence of ownership (which you will be required to provide evidence of), or
3. gifted to you, as long it meets the criteria in points a) or b) above, and you are able to provide a UK gift receipt.

In addition, all gadgets:

1. Cannot have been purchased during the trip,
2. cannot have been purchased outside the UK,
3. must be in your possession and in good working condition (not accidentally damaged),
4. must not have not previously been repaired using non-manufacturer parts.

What Is Covered?

We will pay you up to the maximum benefit for ‘Gadget Cover’ shown in the ‘Cover Summary’ in the policy wording, for nthe following:

1. The cost of repairing or replacing your gadget if it is lost, stolen, damaged or suffers electrical breakdown whilst on your trip.
2. The costs of any unauthorised calls/texts/data use from the time your gadget was lost or stolen on your trip, up to a maximum of 24 hours from discovery of the incident.
3. The cost of replacing any accessories that were lost, stolen or damaged at the same time as your gadget. If we replace your gadget with a different make or model and this means that you can no longer use your existing accessories, we will replace them too.

Full details, including any specific terms that are applicable, are available in the Policy Woring.

Our Study Abroad Travel Insurance provides cover for single trip travel for periods up to 15 months.

ELIGIBILITY

This policy is only available to you if:

• you have your primary residence in and you are registered with a doctor in the UK, the Channel Islands or the Isle of Man;
• you have not spent more than 6 months abroad during the 12 months before this policy was iss ued or your trip was booked (whichever is later) unless your policy includes the 'Optional Student Study Abroad Cover';
• you are in your country of residence at the time of purchasing this p olicy. We will only cover you for the whole trip. Any trip that has begun when you purchase this insurance will not be covered;
• you are aged between 18 and 45 years inclusive on the date your policy was issued;
• your trip starts and ends in your country of residence, within the period of c over shown on your policy schedule;
• you are not travelling with the intention of receiving medical treatment;
• you are fit to travel on your trip and are not tr avelling against the advice of a doctor or where you would have been if you had sought their advice before commencing your trip.

he ‘Optional Student Study Abroad Cover’ is only available to you if you are studying abroad as part of a College/University degree or similar qualification.

AGE ELIGIBILITY

The person buying this insurance must be 18 years of age or over at the date of purchase. You must not be older than 45 years of age on the date your policy was issued.

The person buying this insurance must be 18 years of age or over at the date of purchase. You must not be older than 45 years of age on the date your policy was issued.

This policy does not provide cover for re-occurring or pre-existing medical conditions; however, some cover may be available by contacting Cover4insurance on 0161 772 3382, for further assistance.

The insurance is administered by Allianz Assistance, acting on behalf of the insurer AWP P&C SA, a French company authorised in France acting through its UK Branch. AWP P&C is authorised and regulated by the Autorité de Contrôle Prudentiel et de Résolution. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.

AREA OF VALIDITY

Provided you follow any travel advice issued by the government in your country of residence and in any country you are travelling from, to or through, you will be covered in the area or country shown on your policy schedule.

It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at www.gov.uk/foreign-travel-advice.

You will not be covered if you travel outside the area you have selected, as shown in your policy schedule.

EUROPE — Aland Islands, Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Corsica, Croatia, Cyprus, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Greece (including Greek Islands), Holland (Netherlands), Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, North Macedonia, Norway, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Sardinia, Serbia, Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Turkey, Ukraine and Vatican City.

WORLDWIDE EXCLUDING — Anywhere in the world excluding the United States of America, Canada, the Caribbean and Mexico.

WORLDWIDE INCLUDING — Anywhere in the world.

NOTE:

• A stopover of up to a maximum of 10 hours is allowed in Worldwide Including if travelling to Worldwide Excluding.

The EHIC allows you to access state provided healthcare in all European Economic Area (EEA) countries and Switzerland. Your EHIC will be accepted for the remainder of its validity.

From 4th January 2021, if you do not have a valid EHIC you will need to apply for a GHIC but please be aware that the GHIC does not cover Switzerland, Iceland, Liechtenstein or Norway. For more information or to apply for your GHIC: online at .dh.gov.uk/travellers or by telephoning 0845 606 2030.

Presenting your EHIC/GHIC at a public medical facility will allow you to obtain treatment at a reduced cost and in many cases free of charge, provided you are a UK or BFPO resident (please note if you reside in the Isle of Man or the Channel Islands you are not eligible for an EHIC/GHIC). You must carry it with you when travelling abroad.

Remember to check your EHIC/GHIC is still valid before you travel.

No, there is no ‘Excess waiver’ option available with this policy.

No, there is no ‘Excess waiver’ option available with this policy.

No, certain activities can only be covered on payment of an additional premium. See below for more information:

Study Abroad Travel Insurance has a 24 hour medical emergency and repatriation service.

Tel. +44 (0)1444 465553

Email. 247assistance@imglobal.com

Further details of this service are shown in your Insurance Policy.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.

If you are asked to pay a small bill for medicines and/or outpatient treatment it is often easier to settle your bill direct, keep all receipts and claim for the costs incurred on your return home. It is very important to obtain an itemised receipt for any monies paid for medical treatment.

If you are admitted as an inpatient or outpatient treatment is likely to exceed £500, then you must contact the 24 hour Medical Emergency Assistance Service as soon as possible. They will then arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.

If something’s gone wrong and you need to make a claim, don’t worry — we’ve tried to make it as simple as possible.

We have appointed rightpath claims to look after claims.

You can find full details of the claims procedure on page 35, & page 27 for the gadgets section, of the Policy Wording Document .

Medical Conditions:

This policy does not provide cover for any pre-existing medical condition/s that you have at the time of purchase of this policy or had prior to the purchase of this policy.

Full details can be found within the policy wording .

Here Are The Contact Details For Making A Claim:

• 24 hour Emergency Medical Assistance Service:

  Telephone Number:

  +44 (0)1444 465553

  Email Address:

  247assistance@imglobal.com

• Gadget Claims:

  Telephone Number:

  0345 074 4828

  Email Address:

  gadgetclaims@davies-group.com

  To log your claim online, please visit our portal at:

  https://bastion.davies-group.com

• All other claims:

  Telephone Number:

  020 8667 2461

  Email Address:

  claim@rpclaims.com

  To log your claim online, please visit our portal at:

  https://rpclaims.com/cover4insurance

You can pay by debit or credit card. We accept Mastercard and Visa.

Your policy schedule and policy documents are delivered to the email address you provide.

Yes you should print a copy of your Schedule and Policy Documents and carry them with you.

The Policy Document includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation, and authorisation of medical expenses.

If you are not completely satisfied with the cover provided, you may return your policy to us within 14 days on receipt of your policy documents. Provided that you have not already travelled and are not making a claim, your premium will be refunded in full.