John

Travel Insurance Policy Wording

Effective Date 01 September 2020

Travel Insurance Policy Wording

John

Effective Date 01 September 2020

SuperValu Travel Insurance markets and promotes travel insurance products of nib Travel Services Europe Limited trading as nib Travel Services, 1st Floor, City Quarter, Lapps Quay, Cork, Ireland. SuperValu Financial Services DAC, t/a SuperValu Insurance is regulated by the Central Bank of Ireland. nib Travel Services Europe Limited trading as nib Travel Services is regulated by the Central Bank of Ireland. nib Travel Services arrange, manage and administer our policies under a binding authority to act on behalf of the insurer, XL Insurance Company SE at 8 St Stephen’s Green, Dublin 2 D02 VK30, Ireland.

Date of Preparation: 27 August 2020
Date effective: 01 September 2020

Version: SupVal-0920

Policy wording

Plans

When you purchase a SuperValu Travel Insurance policy, you must choose from one of the following plans:

  • Standard Plan

    • Single Trip, or

    • Annual Multi Trip

  • Premium Plan

    • Single Trip, or

    • Annual Multi Trip

Your Certificate of Insurance will show the plan and any additional options you’ve chosen.

Schedule of benefits

This Schedule of benefits forms part of your policy and shows the limits and sub-limits for the benefits. Applicable limits are applied per insured person noted on your Certificate of Insurance per trip, unless otherwise noted below. You must read this Schedule of benefits together with your Certificate of Insurance and this Policy Wording.

Section Benefit Standard Plan Excess Premium Plan Excess
(per insured person) (per insured person) (per insured person) (per insured person)
A Cancellation and additional expenses
Cancellation or holiday rearrangement costs Up to €3,000 €90 Up to €8,000 €50
Emergency travel arrangements and accommodation expenses Up to €1,000 €90 Up to €2,000 €50
Meals sub-limit €400; limit €50 per 24hrs €90 €500; limit €60 per 24hrs €50
Emergency internet/telephone sub-limit €200 €90 €250 €50
Post hospital accommodation €250; limit €75 per day €90 €250; limit €75 per day €50
B Medical Expenses
Medical expenses abroad €5,000,000 €90 €10,000,000 €50
Medical evacuation and repatriation Included in above €90 Included in above €50
Critical illness or injury – emergency travel expenses for a friend or relative sub-limit €5,000 €90 €10,000 €50
Hospital compensation €250; limit €75 per day €250; limit €75 per day
Dental expenses due to sudden and acute pain €350 €90 €350 €50
C Extra travel cover
Travel delay €150 €300
Emergency accommodation due to terrorism Up to €1,000; limit €200 per day €90 Up to €2,000; limit €200 per day €50
Emergency expenses to avoid disaster Up to €1,000; limit €200 per day Up to €2,000; limit €200 per day
Early return home Up to €1,000 €90 Up to €2,000 €50
D Rental vehicle expenses + Option only With options
Rental vehicle insurance excess Options up to €3,000 + €1,500 +; Options up to €4,500 +
Return of rental vehicle €200 + €300 +
E Luggage
Luggage and personal effects maximum limit €1,500 €90 €3,000 €50
Personal computer, camera, video individual item limit €250 €90 €300 €50
Smartphones individual item limit €250 €90 €300 €50
Other individual item limit €250 €90 €300 €50
F Emergency luggage €200 €350
G Stolen cash €500 €750
H Hiring replacement golf or baby/child travel equipment €200; limit €20 per day €300; limit €30 per day
I Replacement passports and travel documents Up to €300 €90 Up to €300 €50
J Fraudulent use of credit or debit cards Up to €300 €90 Up to €500 €50
K Personal accident
Accidental death €30,000 €30,000
sub-limit children €5,000 €5,000
Funeral expenses abroad €5,000 €10,000
Total permanent disability €30,000 €30,000
L Personal liability €2,500,000 + €90 €3,000,000 + €50
M Winter sports cover (optional cover) Option only Option only
Ski lift passes €300; limit €30 per day €500; limit €50 per day
Ski run closure €300; limit €30 per day €500; limit €50 per day
Hire replacement snow equipment €300; limit €30 per day €500; limit €50 per day
N Coronavirus travel costs N/A N/A €1,500 ^ €50

+ The limit of cover is a limit per trip; it is the most we’ll pay for all people on your Certificate of Insurance combined, per trip.

^ This limit of cover is a limit per insured person per policy, for all trips combined.

Eligibility and conditions of cover

  • You are not able to suspend these plans during the period of insurance.

  • There is no age limit. However, we may ask you some questions about your health and lifestyle at the time you buy your policy and then determine whether we will offer you cover and on what terms.

  • Any options selected by you are in addition to this plan and are referenced on your Certificate of Insurance.

  • You must follow any further conditions of cover outlined in Sections A to N of this document, and as outlined in Claims conditions.

  • In addition, for Single Trip plans:

    • This plan is only available to residents of Ireland for an international trip.

    • There is no cover under this plan before your trip begins, other than benefits you may be entitled to under Cancellation or holiday rearrangement costs and, for the Premium Plan, events 1 to 4 under Section N: Coronavirus travel costs.

    • This plan ends once you have returned to your home in Ireland or the period of insurance ends, whichever happens first.

    • This plan cannot be purchased more than 6 months prior to the trip departure date.

    • The maximum duration of cover for any one trip is 45 days, at which time the policy expires. For any trip longer than this duration, you will not be able to extend and will need to purchase a new policy.

  • In addition for Annual Multi Trip plans:

    • This plan is only available to residents of Ireland for trips within Ireland or internationally.

    • There is no cover under this plan before your trip begins and when you are between trips, other than benefits you may be entitled to under Cancellation or holiday rearrangement costs and, for the Premium Plan, events 1 to 4 under Section N: Coronavirus travel costs.

    • This plan cannot be purchased more than 6 months prior to the nominated departure date.

    • Named adults can travel independently of any other named adult on your Certificate of Insurance. Children are only covered whilst accompanying an adult named on your Certificate of Insurance.

    • There is no limit to the number of trips you may take during your 12 month period of insurance.

    • The maximum duration of cover for any one trip is 45 days. For any trips longer than this duration, you will not be able to extend and will need to purchase a new policy.

nib International Assistance

nib International Assistance provides emergency assistance for people who are covered under nib travel insurance policies worldwide. Our experienced insurance specialists can be contacted by telephone 24 hours a day, 7 days a week to help you in the event of an emergency and to liaise on your behalf with our in-house medical team.

nib International Assistance will also work closely with the claims department to assess your entitlement to financial assistance.

Our team is connected with a global network that provides:

  • Medical care;

  • Medical transfer to a hospital or repatriation to Ireland where necessary;

  • Guidance and support even if your loss may not be covered by the policy;

  • Access to general policy and coverage advice, and

  • Access to translation services.

How to contact nib International Assistance

Please contact the nib International Assistance team using the contact details below:

Phone

+353 21 237 8011

1800 11 11 11 (within Ireland)

Email [email protected]

Private Medical Insurance (PMI)

This travel insurance provides accident and emergency cover only and is not a private medical insurance (PMI) policy. This travel insurance only provides cover if there is a sudden and unexpected accident causing you injury or if you suddenly become ill during your trip. It will not cover all of your medical expenses, particularly for medical treatment not considered necessary by our medical specialists, and it will not cover any medical treatment while in Ireland.

Cover available under this travel insurance policy is in excess of the cover provided by your private medical cover.

If you require any medical treatment during your trip while outside of Ireland, you will first need to contact your PMI provider (if applicable) and follow their emergency medical procedures and their claims procedures. Where your PMI provider cannot provide assistance, please contact our 24-hour Emergency Assistance Team before incurring medical costs. Also, please provide us with details of your PMI provider to help us co-ordinate your care.

The attending medical practitioner and our emergency assistance team, on the advice of a medical practitioner appointed by us, may indicate that your medical treatment or surgery can be reasonably delayed until your return home, in which case, the treatment or surgery will not be covered by the plan. Any expenses incurred within Ireland, even if related to an event which happened outside of Ireland, are excluded from coverage.

If you received a travel premium discount at the time of purchase because you indicated you had private medical cover for the period of insurance and that PMI policy was not active when an event occurred and caused you to claim under this travel policy, we have the right to deny your claim or reduce the settlement amount of that claim.

Reciprocal health agreements

If you are travelling to a country in the EU, you will need a European Health Insurance Card (EHIC) to receive healthcare under reciprocal health arrangements. Apply by contacting your local health office, doctor or online at http://www.ehic.ie. Application forms are also available at the post office. If you are travelling in Australia and require medical treatment, you must enrol with Medicare. For more information on Medicare visit www.humanservices.gov.au.

Where it is determined cover under this travel policy applies, we will pay for private treatment only if there is no appropriate reciprocal health agreement in existence between the governments of Ireland and the country in which you receive treatment and no public service is available. In any case, we will only pay for private medical care where approval has been given by nib International Assistance. We also reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate or to repatriate you back to Ireland.

In the event you require medical treatment that you intend to claim for under this policy, we or our representatives will require sufficient and appropriate access to your medical records and information in order to process your claim.

Our agreement with you

This policy is underwritten by XL Insurance Company SE. XL Insurance Company SE is part of AXA XL, a division of AXA. This policy is an agreement between you and us, made up of:

  • this SuperValu Travel Insurance Policy Wording; and

  • your Certificate of Insurance, which sets out the cover you’ve chosen and any terms specific to you; and

  • any other documentation we issue to you which contains or amends the terms and conditions of your cover.

The cover under this policy is provided during the period of insurance, once you’ve paid us your premium. There are also:

  • conditions and exclusions which apply to specific covers or sections;

  • General exclusions, which apply to any claim you make;

  • general conditions, which set out your responsibilities under this policy;

  • Claims conditions, which set out our rights and your responsibilities when you make a claim; and

  • other terms which set out how this policy operates.

The cost of this policy

The total premium is the amount we charge you for this policy. It includes the amount we have calculated for the risk, commission and taxes and government charges applicable. The premium will be shown on the Certificate of Insurance.

This policy is only valid when you pay the premium and we issue a Certificate of Insurance to you.

Selecting your destinations

You need to select all countries and regions in which you intend to spend more than 24 hours. If you don’t nominate the destination countries (or regions for the Annual Multi Trip plan) for your trip, any claim under the policy relating to that undisclosed destination country or region may be reduced to nil.

Information you give to us

In deciding whether to accept this policy, we have relied on the information you have given to us. When we ask you questions that are relevant to our decision to insure you and on what terms, you must take care to ensure your answers are accurate and complete, and must tell us anything that you know and that a reasonable person in the circumstances would include in answering the questions.

When amending or extending your contract of insurance, we will ask you specific questions about any change in your circumstances. You must take care to ensure your answers are accurate and complete, and tell us about any change to something you have previously told us, otherwise you will be taken to have told us that there is no change. You have this duty until we agree to insure, amend or extend the contract.

If you provide inaccurate or misleading information that we rely on, we may refuse to pay the claim or avoid the policy: See Fraudulent claims.

Cooling-off period

Cancelling within the cooling-off period

You have 21 days from the day you buy your policy to decide if the cover is right for you. If it’s not, you can cancel your policy within this ‘cooling-off period’, and we’ll give you a full refund of your premium provided that:

  • you haven’t started your trip; and

  • you haven’t made a claim; and

  • you don’t intend to make a claim or exercise any other right under your policy.

To cancel your policy within the cooling-off period, contact our representative. Your refund will be processed within 5 business days.

Cancelling outside the cooling-off period

If you request to cancel your policy outside the cooling-off period, and:

  • you haven’t started your trip; and

  • you haven’t made a claim; and

  • you don’t intend to make a claim or exercise any other right under your policy,

we may, at our discretion, refund that part of your premium paid for the unused period of insurance; we may charge an administration fee to do so.

Changing your policy

Changes to this policy only become effective when we agree to them and send you a new Certificate of Insurance detailing the change.

If you wish to change your personal details or travel dates after your Certificate of Insurance has been issued, please contact us for approval; we may require additional information to review the change request.

Changes to your travel plans

You must tell us as soon as possible if circumstances occur, or if changes or alterations are intended or made, which increase the risk of loss, damage or injury. This may result in changes to your cover. An example of this would be if you intend to spend more than 24 hours in a destination not listed on your Certificate of Insurance.

Extending your policy

Depending on your circumstances, if you want to change the dates of your cover, you’ll need to either extend your policy or buy a new one (for the additional days). Here’s when you can extend your policy:

  • if all travellers are currently within the plan age limits – such as if you are travelling with accompanying children who are still under 25;

  • if you haven’t claimed and don’t intend to claim under an event that has already occurred;

  • if your health (and any other relevant circumstances that might foreseeably lead to a claim) hasn’t changed.

You can only extend a Single Trip policy up to a maximum of 45 days from the original departure date shown on your Certificate of Insurance.

You cannot extend the 45 day trip duration of the Annual Multi Trip Plans; however, you can apply for a Standard or Premium Single Trip policy to cover the additional dates, provided that you meet the eligibility requirements for that policy.

Automatic extension

If the scheduled public transport you’re travelling on is delayed, or your trip is delayed by an event for which you are covered under this policy, the period of insurance will automatically be extended beyond the period of your original trip. This extension lasts until you’re capable of travelling to your final destination via the most efficient and direct route, including the journey there, or for a period of 6 months beyond the period of insurance, whichever happens first.

Paying your premium

You must pay your premium (which includes commission, stamp duty and Government Levy if applicable) at the time you take out this policy.

Your premium is set out on your Certificate of Insurance.

Excesses

An excess is an amount you must pay once for each claim you make, except for benefit sections which state: “No excess applies to claims under this benefit”. The excess is deducted from any claim payment we make to you. If you make more than one claim under your policy, the excess will apply once to each insured person per event, regardless of the number of policy sections they claim under for that event.

When you apply for insurance, we will let you know the applicable premium you have to pay, and your excess will be shown on your Certificate of Insurance. Depending on your plan, you may vary your excess. Refer to the section Variable excess option under Additional options to purchase.

How much we’ll pay

The most we’ll pay for a claim is the applicable limit set out in the Schedule of benefits for the plan you have purchased and for the cover or section you’re claiming under, less any excess and depreciation, where applicable. For more information about excesses, refer to the section Excesses; for more information on depreciation, refer to the Luggage and personal effects section which explains how we calculate depreciation.

When does the policy begin and end?

Your policy will be valid for the period of insurance once you’ve paid your premium and you’ve been provided with a Certificate of Insurance. Cover under the Standard and Premium Annual Multi Trip Plans is available for any trip to be taken during the period of insurance, for up to 45 continuous days each trip. The policy is not a renewable contract of insurance.

When does Cancellation cover begin and end?

  • For a Single Trip Plan, your cover under the benefit section Cancellation or holiday rearrangement costs (and events 1 to 4 in Section N: Coronavirus travel costs under the Premium Plan) begins from the time your Certificate of Insurance is issued and ends the earlier of:

    • the time when you return to your home in Ireland; or

    • the end of the 45th day of your trip; or

    • the end of the period of insurance.

  • For an Annual Multi Trip Plan, for each trip, your cover under the benefit section Cancellation or holiday rearrangement costs (and events 1 to 4 in Section N: Coronavirus travel costs under the Premium Plan) begins from the time the Certificate of Insurance is issued and ends the earlier of:

    • the time you return to your home in Ireland; or

    • the end of the 45th day of your trip; or

    • the end of the period of insurance.

When does cover for all other benefits begin and end?

  • For a Single Trip Plan, your cover under all other benefits and events begins when you leave your home in Ireland to begin your trip or the departure date of the trip shown on your Certificate of Insurance, whichever happens last. Cover ends the earlier of:

    • the time when you return to your home in Ireland; or

    • the end of the 45th day of your trip; or

    • the end of the period of insurance.

  • For an Annual Multi Trip Plan, for each trip, your cover under all other benefits and events begins during the period of insurance shown on your Certificate of Insurance from the time you leave your home in Ireland to begin your trip. Cover ends the earlier of:

    • the time you return to your home in Ireland; or

    • the end of the 45th day of your trip; or

    • the end of the period of insurance.

Waiting period

If at the time you buy your policy (ie, the policy “Issue date” noted on your Certificate of Insurance) you’ve already started travelling:

  • a 72-hour waiting period applies before any cover for any events begins. This means there is no cover under this policy for any events that occur within the first 72 hours of buying your policy. Cover only begins after the 72-hour waiting period, and cover is only for events first occurring after the 72-hour waiting period; and

  • if you select a trip departure date that starts later than 72 hours after buying your policy:

    • cover under the benefit section Cancellation or holiday rearrangement costs (and events 1 to 4 in Section N: Coronavirus travel costs under the Premium Plan) begins after the 72-hour waiting period for any events that first occur after the 72-hour waiting period; and

    • cover for all other benefits and events begins from the trip departure date shown on your Certificate of Insurance for events that first occur after the trip departure date.

If your policy will expire while you are travelling, and you purchase a new policy from us before your policy expires (at 11.59pm GMT) on the return date shown on your Certificate of Insurance, the waiting period will not apply to that new policy, provided that there is no gap between the periods of insurance.

Additional options to purchase

We offer the following options for you to purchase. These options can be added with payment of an additional premium and will be shown on your Certificate of Insurance when you purchase your policy.

Winter sports cover option

This option is available with the Standard and Premium Plans with payment of an additional premium. When chosen, this option is shown on your Certificate of Insurance. Applicable limits are applied per insured person.

If you’ll be taking part in winter sports on your trip, you must select the Winter sports cover option when you buy your policy to receive the cover offered under all sections of your travel plan. You will also receive the following benefits:

Benefit

Standard Plan (applicable limits per insured person)

Premium Plan (applicable limits per insured person)

Any claim arising from participation in winter sports

Up to the per insured person limit of the relevant section.

Up to the per insured person limit of the relevant section.

Ski lift passes

€300; limit €30 per day

€500; limit €50 per day

Ski run closure

€300; limit €30 per day

€500; limit €50 per day

Hire replacement snow equipment

€300; limit €30 per day

€500; limit €50 per day

Refer to Section M: Winter sports cover for further cover details with this option.

Additional rental vehicle insurance excess option

This option is available with the Standard and Premium Plans with payment of an additional premium. When chosen, this option is shown on your Certificate of Insurance.

We have automatically included a limit of cover for rental vehicle insurance excess under the Premium Plan; however, to increase this limit, you must pay an additional premium at time of purchase.

This insurance does not provide cover for your liability arising out of your use of a rental vehicle. Please ensure you have liability insurance adequate for the country(ies) where you will be using the rental vehicle.

Refer to Section D: Rental vehicle expenses cover for further cover details with this option.

Specified items option

This option is available on the Standard and Premium Plans. Specified items are shown on your Certificate of Insurance.

You can cover items worth more than the luggage item limit shown for your plan by specifying the item(s) and paying an additional amount. Items separately insured under this Specified items option are covered up to the amount you specify, subject to the following limits, and will be shown on your Certificate of Insurance:

  • Maximum individual specified item limit: €400 on the Standard Plan; €600 on the Premium Plan.

  • Maximum total for all specified items: €2,000 on the Standard Plan; €3,000 on the Premium Plan.

You must insure the total value per item. Please ensure you have proof of value (not more than 12 months old) of any item you specify. This will be required should you make a claim. Depreciation does not apply to specified items in the event of a claim. Cover for specified items is subject to the terms and conditions as detailed under the section Luggage and personal effects.

Variable excess option

When you apply for insurance, we will let you know the applicable premium you have to pay. The premium and any excess applicable to your selected plan will be shown on your Certificate of Insurance.

Where a plan allows you to vary the excess, your premium will be adjusted accordingly; the lower the excess you select, the higher your premium will be.

Refer to the section Excesses for more information on how excesses work.

Existing medical conditions

We automatically cover you for certain existing medical conditions listed under the section Automatically covered conditions.

What’s an existing medical condition?

An existing medical condition is any injury or illness for which, in the 12 months prior to policy purchase, you have:

  • had symptoms; or

  • been diagnosed; or

  • been prescribed medication; or

  • received (or are waiting for) medical treatment; or

  • received (or are waiting for) tests, investigations or specialist consultation; or

  • received or been advised to attend a follow-up consultation; or

  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling party or a close relative.

IMPORTANT: If you have an existing medical condition that’s not automatically covered under your policy (as further described below), then you won’t be covered for any claim that arises in relation to that existing medical condition.

Automatically covered conditions

We automatically cover you for the existing medical conditions listed in the table below, provided that you satisfy all criteria listed for that condition. You must read this section together with the General exclusions, as these may affect your cover. This cover only applies to you; it does not apply to a member of your travelling party nor to your close relatives who are not listed on your Certificate of Insurance.

Medical condition Criteria
Acne

You haven’t received treatment for your Acne from a medical practitioner in the three months prior to buying your policy.

Allergies

You follow advice in accordance with your medical practitioner (such as to carry EpiPen’s, antihistamines/ other preventative medication at all times) and, at the date you buy your policy, you:

  • have no other known or underlying respiratory conditions or diseases (for example, Asthma); and

  • have not required treatment from a medical practitioner for your allergies in the last six months.

Anaemia (Iron Deficiency) No criteria apply.
Asthma

At the date you buy your policy, you:

  • are under 60 years of age;

  • have no other known or underlying respiratory conditions (including Sleep Apnoea);

  • haven’t required cortisone medication, except taken by inhaler or puffer; and

  • haven’t required hospitalisation for Asthma in the last two years, including as an outpatient.

Bell’s Palsy No criteria apply.
Benign Positional Vertigo

At the date you buy your policy, you haven’t required hospitalisation for Benign Positional Vertigo in the last two years, including as an outpatient.

Bunions

At the date you buy your policy, you haven’t had surgery for Bunions in the last three months and have no surgery planned.

Carpal Tunnel Syndrome

At the date you buy your policy, you haven’t had surgery for Carpal Tunnel Syndrome in the last three months and have no surgery planned.

Cataracts

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Cataracts in the last three months, and have no surgery planned.

Coeliac Disease

At the date you buy your policy, you haven’t required hospitalisation for Coeliac Disease in the last two years, including as an outpatient.

Congenital Blindness No criteria apply.
Congenital Deafness No criteria apply.

Diabetes Mellitus (Types I and II)

At the date you buy your policy, you:

  • were diagnosed more than six months ago;

  • haven’t had any complications in the last six months;

  • have no eye, kidney, nerve or vascular complications;

  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and

  • have no known cardiovascular/ coronary heart disease.

Dry Eye Syndrome No criteria apply.
Ear Grommets

At the date you buy your policy, you have no current ear infection.

Epilepsy

At the date you buy your policy, you’ve:

  • no underlying medical conditions (for example, previous head trauma, stroke);

  • not changed your medication regime for Epilepsy in the last 12 months; and

  • not required hospitalisation for Epilepsy in the last two years, including as an outpatient.

Folate Deficiency No criteria apply.
Gastric Reflux

Your Gastric Reflux doesn’t relate to another underlying diagnosis (examples: hernia or gastric ulcer).

Glaucoma

At the date you buy your policy, you have no ongoing complications, haven’t had surgery for Glaucoma in the last three months, and have no surgery planned.

Goitre

The underlying medical cause excludes tumour.

Grave’s Disease

At the date you buy your policy, you haven’t received treatment from a medical practitioner for Grave’s Disease in the last six months.

Hashimoto’s Disease

The underlying medical cause excludes tumour.

Hiatus Hernia

At the date you buy your policy, you haven’t had surgery for Hiatus Hernia in the last six months and have no surgery planned.

Hypercholester­olemia/ Hyper­lipidaemia (High Cholesterol / High Lipids)

Provided you have no cardiovascular/ coronary heart disease.

Hypertension (High Blood Pressure)

At the date you buy your policy:

  • you have no known cardiovascular/coronary heart disease; and

  • your current blood pressure reading is lower than 165/95.

Hypothyroidism (underactive thyroid)

The underlying medical cause excludes tumour.

Hyperthyroidism (overactive thyroid)

The underlying medical cause excludes tumour.

Impaired Glucose Tolerance

At the date you buy your policy, you:

  • were diagnosed more than six months ago;

  • haven’t had any complications in the last six months;

  • have no eye, kidney, nerve or vascular complications;

  • have a blood sugar level reading between 4 and 12 or a HbA1C score of 9% or less; and

  • have no known cardiovascular/ coronary heart disease.

Incontinence

You have no underlying gastrointestinal or urinary condition.

Insulin Resistance

At the date you buy your policy, you’ve:

  • no known cardiovascular/coronary heart disease; and

  • not required hospitalisation for Insulin Resistance in the last two years, including as an outpatient.

Iron Deficiency No criteria apply.
Macular Degeneration No criteria apply.
Migraine

You haven’t required hospitalisation for Migraines in the two years prior to buying your policy, including as an outpatient.

Nocturnal Cramps No criteria apply.
Osteoporosis/ Osteopenia

At the date you buy your policy, you:

  • haven’t had any fractures;

  • don’t require more than one medication for this condition; and

  • have no other conditions involving the neck or back.

Pernicious Anaemia No criteria apply.
Plantar Fasciitis

At the date you buy your policy, you haven’t had surgery for Plantar Fasciitis in the last three months, and have no surgery planned.

Raynaud’s Disease

At the date you buy your policy, you haven’t required treatment by a medical practitioner for Raynaud’s Disease in the last six months.

Sleep Apnoea

At the date you buy your policy, you:

  • have no other known or underlying respiratory conditions (including Asthma); and

  • haven’t required hospitalisation for Sleep Apnoea in the last two years, including as an outpatient.

Solar Keratosis

Your condition has been confirmed as benign.

Trigeminal Neuralgia

You haven’t required treatment by a medical practitioner for Trigeminal Neuralgia in six months prior to buying your policy.

Trigger Finger

At the date you buy your policy, you haven’t had surgery for Trigger Finger in the last three months, and have no surgery planned.

Vitamin B12 Deficiency No criteria apply.

Changes in your health before travelling

If you develop a new medical condition (or the symptoms of one) after you buy your policy but before you depart on your trip, you must check with your medical practitioner for written confirmation that you’re fit to travel. If you don’t get your medical practitioner’s written confirmation before you travel, and/or are unfit to travel due to your medical condition, you won’t be covered for any claim that arises from that condition if you still travel.

Don’t forget, if you had symptoms of a condition or were undergoing investigations for it at the time you bought your policy, we consider that to be an existing medical condition.

Pregnancy

If you’re pregnant at the time you buy your policy, or fall pregnant afterwards, you’ll have cover under the benefits of this policy for any event that arises from your pregnancy, provided that the event that causes your claim:

  • is covered by this policy;

  • is a pregnancy-related illness; and

  • occurs up to the end of the 26th week of a single pregnancy (or the 19th week of a multiple pregnancy).

Further, pregnancy-related illnesses such as hyperemesis (severe morning sickness), gestational diabetes, and any other pregnancy-related illness must:

  • have first developed unexpectedly after you bought your policy, and

  • not be related to any previous pregnancy-related illness you had prior to buying your policy.

These conditions apply whether you fall pregnant naturally or with medical assistance (for example, through IVF).

Also, you should plan your trip so you’re home by the end of the 26th week for single pregnancies (or the end of the 19th week for multiple pregnancies). If you don’t, and something happens, you won’t be covered.

Definitions

The words and terms in bold throughout this policy have special meanings set out below. Plurals and other forms of these words shall have the same meaning as in the singular form.

Where other words and terms are only used in one section of the policy, we’ll describe their special meaning in that section.

Word or term Meaning
Baby/child travel equipment

a car seat base, infant car seat, booster seat or fully collapsible buggy/stroller which is owned by you.

Carrier(s)

the scheduled airline, vessel, train, or motor coach public transport provider with whom you are to travel to or from your intended destination.

Children

your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:

  • under 25 years of age, and

  • working less than 30 hours per week.

Close contact
  • face-to-face contact in any setting with a confirmed or probable case, for 15 minutes or more. This is cumulative over the course of one week. It starts from 48 hours before the onset of symptoms in the confirmed or probable case; or

  • sharing of a closed space with a confirmed or probable case for a prolonged period (e.g. more than 2 hours). This is in the period extending from 48 hours before onset of symptoms in the confirmed or probable case.

Close relative(s)

a relative of yours or of a member of your travelling party, who is resident in Ireland. It means a spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchildren, grandparent, stepparent, stepchildren, fiance or fiancee, or legal guardian.

Coronavirus

the SARS-CoV-2 virus, and any disease caused directly by this virus, including COVID-19.

Electronic equipment

personal and portable game consoles, media players, satellite navigation units, wearable technology, headphones.

Existing medical condition(s)

any illness or injury for which, in the 12 months prior to policy purchase, you have:

  • had symptoms; or

  • been diagnosed; or

  • been prescribed medication; or

  • received (or are waiting for) medical treatment; or

  • received (or are waiting for) tests, investigations or specialist consultation; or

  • received or been advised to attend a follow-up consultation; or

  • had surgery or attended a hospital or clinic (as an outpatient or inpatient).

It also includes any chronic or ongoing medical condition or terminal illness.

This definition applies to you, your travelling party or a close relative.

Financial default

the insolvency, bankruptcy, provisional liquidation, financial collapse, appointment of receivers or any other form of insolvency administration of any person, company, or organisation.

Home in Ireland

your usual residential address in Ireland. If you do not travel directly to your home in Ireland at the completion of your trip, it means the point of arrival of your pre-paid scheduled public transport or an Irish hospital if we repatriate you.

Illness

any disease or sickness affecting the body or mind.

Injury

a bodily injury that is caused solely and directly by external and visible means as a result of an accident and which does not result from an illness.

Ireland the Republic of Ireland.
Medical practitioner

a medical professional registered and certified by the National and/or State Health Board either in Ireland or in the country in which you are being treated whilst on your trip, and who is licensed to provide treatment, medication/prescriptions and medical opinions and reports – for example doctors, physiotherapists, dentists, psychologists and psychiatrists.

A medical practitioner does not include a person who is related to you or a member of your travelling party.

Our representative

an intermediary and their employees appointed by us as our agent to issue or vary nib travel insurance products on our behalf.

Period of insurance

the period of cover specified in the Certificate of Insurance.

Personal computer

laptops, notebooks, tablets, other personal hand-held wireless devices that convey data or information (excluding smartphones).

Professional sporting activity

a sporting activity where you are paid to participate, appear or train or where you receive sponsorship, income or prize money, regardless of whether or not you are a professional sportsperson.

Rental vehicle

any 4-wheeled motorised vehicle with a gross vehicle mass less than 4.5 tonnes that you:

  • hire from a registered rental vehicle company; and

  • have a rental vehicle agreement in writing.

Resident(s) of Ireland

a citizen or permanent resident of Ireland; all with unrestricted right of entry into Ireland and access to long-term medical care in Ireland.

Scheduled public transport

publicly available flights, cruises, rail services, bus services, ferries that run to a published timetable.

Terrorist act/ Terrorism

an act or threat of violence of any person or group, organisation or government committed for political, religious, ideological or similar purposes, including the intention to influence any government and/or to put the public in fear.

Total permanent disability

permanent and total loss of sight in one or both eyes, or permanent and total loss of use of one or more limbs.

Travelling party

you and any travelling companion who has made arrangements to accompany you for at least 50% of your trip.

Trip(s)

In the case of a Standard and Premium Single Trip Plan, ‘trip’ means travel up to 45 days in duration during the period between the departure date and the return date listed on your Certificate of Insurance. The trip must start and/or end at your home in Ireland.

In the case of the Standard and Premium Annual Multi Trip Plan: ‘trip(s)’ means any travel up to 45 days in duration during your period of insurance between the departure date and return date shown on your Certificate of Insurance. Each trip must:

  • Start and end at your home in Ireland, and

  • Include travel overnight by either pre-paid scheduled public transport or hire car.

The period of travel cannot be altered without our consent.

Unattended

leaving your luggage or personal effects either with a person who is not a member of your travelling party, or, in a public place where it can be taken without your knowledge or at a distance from which you cannot prevent it from being taken.

We, our(s), us

XL Insurance Company SE, who deal with you through their agent, nib Travel Services Europe Limited.

Winter sports

winter skiing and snowboarding on and off piste, back country skiing and snowboarding, snowmobiling, tobogganing, cross-country skiing, telemark skiing.

You, your, yours, yourself

the people listed in the Certificate of Insurance.

Section A: Cancellation and additional expenses

This section is divided into different benefits which apply depending on the plan you have chosen.

You must read this section together with the General exclusions as these may affect your cover.

What are the events that will be covered under this section?

We will cover you under Section A: Cancellation and additional expenses in respect of your planned trip if one of the following events occurs after the issue of the Certificate of Insurance:

  1. you are unable to start or finish the trip because of the death, sudden serious illness or serious injury arising before or during the trip of:

    1. you; or

    2. a member of your travelling party; or

    3. a close relative who is a resident of Ireland.

    However, before we will cover you, you must provide us with proof that:

    • in the case of you or a member of your travelling party, you or the member of your travelling party were certified medically unfit to travel by a medical practitioner; or the death has occurred, or

    • in the case of a close relative, the death has occurred, or the illness or injury required hospitalisation or for you to care for them.

  2. your pre-paid scheduled public transport services or pre-paid tour have been cancelled or restricted because of severe weather, natural disaster, riot, strike, civil insurrection, or hijacking.

  3. a member of the travelling party is summoned to jury duty or to give evidence in a court of law.

  4. you have been involved in, or your travel arrangements have been cancelled or delayed by, a motor vehicle, railway, air or marine accident. You must have written confirmation of the accident from an official body or other independent evidence of the accident in the country where the accident happened.

  5. the cancellation of pre-arranged leave by an employer for a member of your travelling party who is a permanent employee of Garda Siochana, fire, ambulance or emergency services.

  6. a member of your travelling party has been affected by any form of insolvency, administration or bankruptcy of their employer.

Cancellation or holiday rearrangement costs

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

If you have to cancel or rearrange your trip because of one of the reasons listed under What are the events that will be covered under this section, we will pay either:

  1. the non-refundable portion of your pre-paid travel arrangements and cancellation fees charged; or

  2. the cost to rearrange your trip, provided that the cost is not greater than the amount that would have been incurred had you cancelled the trip,

for anyone listed on your Certificate of Insurance.

What is not covered?
  1. We will not pay for any event other than those listed as covered under What are the events that will be covered under this section?.

  2. We will not pay for any unused pre-paid transport costs where we have repatriated you a distance equivalent to, or greater than, the total distance remaining on your itinerary at the point of repatriation. Where the total distance of the repatriation is less than the unused travel arrangements, we will calculate your entitlement on a pro-rata basis, taking into account the cost of your original ticket.

  3. We will not pay for any pre-paid winter sports arrangements on the Standard and Premium Plans, unless you have purchased the Winter sports cover option and this option is shown on your Certificate of Insurance.

  4. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

  5. We will not pay for any non-refundable costs for anyone not named on your policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

If you paid for any part of your trip using loyalty points, we will pay for lost Frequent Flyer Points or similar reward points.

The amount we will pay is calculated as follows:

  1. the cost of the equivalent class airline ticket, based on the best available advance purchase airfare for the same season of the following year, less your financial contribution towards the airline ticket;

  2. multiplied by the total amount of points lost;

  3. divided by the total amount of points redeemed to obtain the airline ticket.

Example:

Equivalent class advance purchase airfare = €1,000

Points lost = 5,000

Points redeemed to obtain original ticket = 20,000

Claimable amount = €1,000 x (5,000/20,000) = €250

We will not pay for your Frequent Flyer Points or similar reward points if you are able to recover the points or their value from any source.

Emergency travel arrangements and accommodation expenses

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for expenses you incur for reasonable additional travel, accommodation, meals, internet use and emergency telephone calls, if you have to interrupt your trip after it has begun, because of an event set out under What are the events that will be covered under this section?.

What is not covered?
  1. We will not pay for any event other than those listed under What are the events that will be covered under this section?.

  2. Any additional travel you undertake must be at the fare class that you originally chose, except where written approval is provided by us.

  3. If the interruption to your trip requires repatriation or an early return to Ireland, you must not organise any additional travel or accommodation without prior consent from us.

  4. If you return to your home in Ireland because of the interruption and you did not have a return ticket at the time of the event that causes a claim under this section, we will deduct from the amount we pay you the cost of an economy class airfare at the carrier’s regular published rates for the return journey.

  5. We will not pay for any expenses you incur to resume your trip after you have returned to your home in Ireland.

  6. We will not pay for additional accommodation where you have claimed for cancelled accommodation expenses covering the same period of time.

  7. We will not pay for accommodation expenses for periods where you have not forfeited pre-paid accommodation arrangements, except as set out under Post-hospital accommodation, or if you are past your planned return date and we agree that you are unfit to travel.

  8. There is no cover under this section where you have made a claim for the same event under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Post-hospital accommodation

You are covered for this benefit under the Standard and Premium Plans.

When does the cover begin and end?

The cover under this benefit begins when you leave hospital and ends when your medical practitioner deems you are fit to resume your trip, or after 5 days, whichever occurs first.

What is covered?

We will cover you if you are hospitalised outside Ireland for more than 48 hours because of an illness or injury which first happened while you were outside Ireland on your trip, and you need accommodation to recover from your illness or injury after you leave hospital. Before we will pay this, you must have written consent from us.

What is not covered?
  1. We will not pay for post-hospitalisation accommodation expenses when you have also made a claim for cancelled accommodation expenses covering the same period of time.

  2. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section B: Medical expenses

This section is divided into different benefits which apply depending on the plan you have chosen.

You must read this section together with the General exclusions as these may affect your cover.

Medical expenses abroad

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for:

  1. reasonable and necessary emergency medical, hospital and ambulance expenses that you incur as a result of your death or your new illness or injury, or automatically covered condition;

  2. a return economy class airfare and reasonable accommodation for a friend or relative to travel directly to you, if you are hospitalised with a sudden, life-threatening injury or illness during your trip;

  3. dental treatment expenses you incur as a result of an injury to healthy natural teeth and which cannot be delayed until your return to your home in Ireland.

All treatment must be provided by a qualified and registered medical practitioner in the country you are being treated in.

Where you need treatment for an injury by a physiotherapist, chiropractor or osteopath, you may have the first 3 treatments without asking us. Any treatments after that must be with our consent.

All expenses under this section must be incurred within 12 months of the date of the illness or injury.

Conditions relating to cover

Cover available under this travel insurance policy is in excess of the cover provided by your private medical cover. Where you have private medical insurance, also refer to Private Medical Insurance (PMI).

What is not covered?
  1. There is no cover for any medical, hospital, dental or ambulance expenses you incur in Ireland. We cannot cover these because we are not allowed to do so by law.

  2. There is no cover for medical expenses if you travelled with the intention of receiving medical treatment.

  3. There is no cover under this benefit because of an illness or injury, the signs and symptoms of which you first became aware of after you purchased your policy but before you started your trip, where you did not obtain certification from your medical practitioner that you were medically fit to travel.

  4. There is no cover for any person born after the date that the Certificate of Insurance was issued, unless you advised us and we agreed to provide cover.

  5. There is no cover for damage to dentures or dental prostheses under this section. Refer to the Luggage and personal effects section for cover that may be available.

  6. There is no cover for dental expenses to treat gingivitis, decay, normal wear and tear or the normal maintenance of dental health.

  7. There is no cover for crowns, caps, whitening, cleaning, scaling, creation of a new dental bridge or dental implants.

  8. There is no cover for any existing medical condition unless the medical condition is an automatically covered condition and you satisfy all criteria listed for that condition.

  9. There is no cover for ongoing payments under this benefit if we decide that you are capable of being repatriated to Ireland. If you do not agree to return to Ireland to continue your medical treatment, ongoing cover will be limited to what we determine would have been the cost to return you to Ireland.

  10. There is no cover for any amount recovered under a reciprocal health agreement with any country.

  11. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

  12. There is no cover for any medical, hospital or dental expenses which can be delayed in the opinion of the doctor treating you until you return to Ireland.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person, subject to the following:

  • Medical expenses to treat an illness or injury must be reasonable and medically necessary,

  • The most we will pay for a dental injury event requiring only dental treatment is €350.

Hospital compensation

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you if you are hospitalised outside Ireland for more than 48 continuous hours because of an illness or injury which first happened while you were outside Ireland on your trip.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Dental expenses due to sudden and acute pain

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for dental treatment expenses you incur outside Ireland to relieve sudden and acute dental pain.

We will pay expenses which we believe are reasonable and necessary to treat the pain. Before we will pay this, you must give us written certification from your treating dentist that treatment is necessary to alleviate your pain. Any treatment you receive must be given by a dentist or oral surgeon who is registered to practice in the country where you receive treatment.

What is not covered?
  1. There is no cover for dental expenses incurred to treat gingivitis, normal wear and tear or the normal maintenance of dental health.

  2. There is also no cover for any dental expenses you incur in Ireland.

  3. There is no cover for crowns, caps, whitening, cleaning, scaling, creation of a new dental bridge or dental implants.

  4. There is no cover for cosmetic dentistry.

  5. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Medical evacuation and repatriation

You are covered for this benefit under the Standard and Premium Plans.

You must read this section together with the General exclusions as these may affect your cover.

What is covered?

We will cover you if you have to interrupt your trip after it has begun because you have suffered an illness or injury while you are on your trip, and in our opinion you need to be evacuated or repatriated. We will pay expenses which we believe are reasonable and necessary to bring you back to your home in Ireland. The decision to evacuate or repatriate you is ours, and we will not pay for any evacuation or repatriation expenses unless it is medically justified, and you have received our consent.

We will pay for expenses for transporting your remains to a funeral home in Ireland if you die during the trip.

We will either:

  • return you to your home in Ireland with a medical attendant; or

  • pay for a return economy class airfare, reasonable accommodation and additional expenses for a friend or relative to fly to, remain with and escort you in place of a medical attendant; or

  • return you to your home in Ireland without an attendant.

Conditions relating to cover

Cover available under this travel insurance policy is in excess of the cover provided by your private medical cover. Where you have private medical insurance, also refer to Private Medical Insurance (PMI).

What is not covered?
  1. We will not cover you if you evacuate or repatriate when it is not medically necessary or without our consent.

  2. There is no cover under this benefit because of an illness or injury, the signs and symptoms of which you first became aware of after you purchased your policy but before you started your trip, where you did not obtain certification from your medical practitioner that you were fit to travel.

  3. We will not pay for any expenses you incur to resume your trip after you have returned to your home in Ireland.

  4. For repatriation, we will not pay more than the cost of repatriation to your home in Ireland.

  5. Any additional costs for travel you undertake that is not at the fare class that you originally chose, unless undertaken with our consent.

  6. If you do not have a return ticket at the time of the event that causes a claim under this section, we will deduct from the amount we pay you the cost of an economy class airfare at the carrier’s regular published rates for the return journey.

  7. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section C: Extra travel cover

This section is divided into different benefits which apply depending on the plan you have chosen.

You must read this section together with the General exclusions as these may affect your cover.

Travel delay

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you if during your trip any individual leg of your prepaid, scheduled public transport is delayed for at least 6 hours due to an unforeseen reason outside your control.

We will cover you for:

  1. the reasonable cost of rearranging your travel arrangements to resume your pre-paid arrangements; and

  2. the cost of reasonable additional accommodation and meals.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Emergency accommodation due to terrorism

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you after your trip has begun for expenses you incur for necessary emergency accommodation if your trip is interrupted due to a terrorist act.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Emergency expenses to avoid disaster

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

During your trip, we will cover you for reasonable additional travel arrangements you make within 48 hours of a public warning being issued in the mass media of severe weather, natural disaster, riot, strike or civil insurrection that will directly impact your travel arrangements.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Early return home

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you if your usual place of residence or business premises in Ireland has been destroyed or rendered insecure due to a natural disaster, fire or malicious damage. Cover is limited to the additional expenses incurred in returning you to the nearest practical accommodation to your home in Ireland.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section D: Rental vehicle expenses

This section is divided into different benefits which apply depending on the plan you have chosen.

You must read this section together with the General exclusions as these may affect your cover.

Rental vehicle insurance excess

No excess applies to claims under this benefit.

You are covered for this benefit under the Premium Plan; you are only covered for this benefit under the Standard Plan if you select the Rental vehicle insurance excess option.

What is covered?

We will cover you for the rental vehicle insurance excess, or the cost of repairing the vehicle, whichever is lower, if:

  • you rent a vehicle from a rental company;

  • it is damaged by accident, storm, fire or theft; and

  • you are a nominated driver on the Rental Vehicle Agreement.

For this benefit to apply, the rental vehicle must have comprehensive motor vehicle insurance for the period of hire.

What is not covered?
  • This cover is not in place of rental vehicle insurance and only provides cover for the excess component up to the applicable limit.

  • There is no cover for your liability resulting out of your use of a mechanically propelled vehicle (e.g. motor vehicle or motor cycle).

  • There is no cover where the loss event is not covered by the rental vehicle’s comprehensive motor vehicle insurance.

  • There is no cover for costs charged by the rental company for administration fees or loss of use fees.

What is the most we will pay?

The most we will pay for all claims under this benefit is the policy limit shown in the Schedule of benefits. Where you have purchased the Additional rental vehicle insurance excess option, we will pay up to the chosen policy limit for Rental vehicle insurance excess shown on your Certificate of Insurance.

Return of rental vehicle

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will pay towards the cost of returning your rental vehicle to the nearest depot, including airport concession charges, if due to a claimable event covered by any section of this policy you are unable to do so during your trip.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is the policy limit shown in the Schedule of benefits for your chosen plan. Limits apply per policy for all claims under this benefit.

Section E: Luggage

This section is divided into different benefits which apply depending on the plan you have chosen.

You must read this section together with the General exclusions as these may affect your cover.

Luggage and personal effects

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for each of the following:

  1. accidental loss, theft of, or damage to, your luggage or personal effects including things you buy during the trip, while they are accompanying you during your trip.

  2. loss of, or damage to, dentures or dental prostheses whilst not on your person during your trip.

  3. the cost of medical consultation fees you incur to replace prescription medication which is accidentally lost, stolen or damaged, together with the cost of the medication itself.

  4. theft of, or damage to, your luggage or personal effects while they are left in a locked motor vehicle or a motor home during daylight hours and there is forced entry into the vehicle.

  5. theft of, or damage to, your luggage or personal effects while they are left in a locked storage facility and there is forced entry into the facility.

In the event of a claim under this Luggage and personal effects section, we will reinstate the applicable limit for one other event under this section that arises from any other set of circumstances.

What is not covered?

There is no cover under this section for any of the following:

  1. accidental loss or damage to or theft of:

    1. cash, bank or currency notes, cheques or negotiable instruments other than allowed for under the Stolen cash section;

    2. fragile or brittle items (eg. glass or china), except loss or damage caused by fire, or by accident to the transport carrying them;

    3. damage to computer, tablet or smartphone screens at any time;

    4. damage to software or applications;

    5. luggage or personal effects that are being transported independently of you;

    6. property that you leave unattended or that occurs because you do not take reasonable care to protect it;

    7. luggage or personal effects for which you are entitled to compensation from the carrier;

    8. personal computers, smartphones, communication or photographic equipment, electronic equipment, jewellery or watches left unattended by you in a motor vehicle or a motor home for any length of time, even if they are locked in the motor vehicle or motor home;

    9. luggage or personal effects left unattended by you during non-daylight hours in a motor vehicle or a motor home for any length of time;

    10. luggage or personal effects left unattended by you in a tent or caravan for any length of time;

    11. personal computers, smartphones, communication or photographic equipment, electronic equipment, jewellery or watches checked in as luggage;

    12. trade items, trade samples or your tools of trade or profession;

    13. gold or precious metals, precious unset or uncut gemstones;

    14. watercraft of any type (excluding theft of surfboards or damage to surfboards whilst in the custody of a carrier);

    15. a drone i.e. an aircraft without a human pilot aboard;

    16. sporting equipment whilst in use;

    17. winter sports equipment unless you have selected the Winter sports cover option and paid the additional premium;

    18. luggage or personal effects that have been left in a locked storage facility for greater than 48 hours.

  2. wear and tear or depreciation of property or damage by the action of insects or vermin, mildew, humidity, rust or corrosion.

  3. mechanical or electrical breakdown, or malfunction repair costs.

  4. where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person. We will not pay more than the original price you paid for an item, even if the applicable limit set out in the Schedule of benefits is higher.

We will choose between:

  • paying you the original purchase price of the item in cash, less an allowance for depreciation which is outlined in the table below, unless you nominated to specify the item on your policy before you left on your trip and you paid the additional premium; or

  • repairing or replacing your items to a condition no better than their condition at the time of loss, damage or theft.

The limits for specific items are set out in the Schedule of benefits and depend on the plan you have chosen, unless you have separately insured an item under the Specified items option.

A pair or related set of items are considered to be one item (for example, a camera and its lenses (attached or not), tripod and accessories, a chain and pendant, or a pair of hearing aids) unless each individual item has been separately insured under the Specified items option.

If you have separately insured an item under the Specified items option, depreciation does not apply. In the event of a claim you must provide us with a receipt or valuation which is dated from before you specified the item on your policy. If you are not able to supply this, the item(s) will be settled in accordance with the items limits listed in the Schedule of benefits, and the additional premium you paid to specify the item will be reimbursed to you.

Items separately insured under the Specified items option are covered up to the amount specified and will not be deducted from the total luggage limit set out in the Schedule of benefits.

Depreciation

The nominated depreciation rate will apply to each year of age up to a maximum of 80% of the original purchase price of that item.

Depreciation amounts
10%

Camping, sporting and leisure equipment (not leisure clothing), and musical instruments.

15%

Clothing, footwear, personal effects, luggage, prescription glasses, sunglasses, costume jewellery and books.

20%

Personal computer, communication or photographic equipment, electronic equipment, mobile phones, smart phones, CDs and DVDs.

50%

Toiletries including skin care, makeup, perfume, medication.

Items not listed above will also be subject to depreciation at our reasonable discretion.

Section F: Emergency luggage

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you towards the cost of purchasing essential articles such as clothing, toiletries and personal requisites if your accompanied luggage is delayed, misdirected or temporarily misplaced by the carrier for a period in excess of 10 hours during your trip. If your luggage is not recovered, the amount paid by us for the loss will be reduced by the total of any amounts paid for under this section.

What is not covered?
  1. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

  2. There is no cover for purchase of jewellery, perfume, fragrances or alcohol.

  3. This benefit does not apply on the leg of your trip that returns you to your home in Ireland.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

If after 72 hours your accompanied luggage is still missing, the applicable limit for this benefit is doubled.

Section G: Stolen cash

No excess applies to claims under this benefit.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for the loss of cash that was either carried on your person at the time of loss or secured in a locked safe, provided that you reported the loss to the police within 12 hours of becoming aware of the loss and obtained a written police report.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section H: Hiring replacement golf or baby/child travel equipment

No excess applies to claims under this benefit.

You are covered for this benefit under Standard and Premium Plans.

What is covered?

If your golf equipment or baby/child travel equipment is accidentally lost, delayed or damaged whilst in the care of a carrier making it unusable during your trip, we will pay for the cost of hiring replacement equipment, for each day as shown in the Schedule of benefits.

After any incident or occurrence which may lead to a claim under this section, you must:

  1. obtain written confirmation from the carrier as to the exact nature and length of time temporarily lost;

  2. obtain a Property Irregularity Report from the carrier;

  3. give formal written notice of the claim to the carrier within the time limit contained in their conditions of carriage (please retain a copy);

  4. retain all travel tickets and tags for submission if a claim is to be made under this cover.

If you do not comply with these conditions it may impact your ability to make a claim under this policy.

What is not covered?
  1. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

  2. There is no cover for loss or damage due to delay, confiscation or detention by customs or other authority.

  3. This benefit does not apply on the leg of your trip that returns you to your home in Ireland.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section I: Replacement passports and travel documents

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will pay for the cost of reissuing or replacing your travel or personal documents, drivers licence, travellers’ cheques, passport, or debit or credit cards, after they have been stolen, accidentally lost or damaged during your trip.

We will also cover the reasonable cost of you travelling to the nearest location where the documents can be replaced. You must comply with any conditions of the issuing body of the travel documents, travellers’ cheques, passport, or debit or credit cards.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section J: Fraudulent use of credit or debit cards

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you for the fraudulent use of your credit or debit card if it was accidentally lost, skimmed or stolen during your trip. You must comply with any conditions of the issuing body of the credit or debit card for cover to apply.

What is not covered?
  1. There is no cover under this benefit if the credit or debit cards are fraudulently used by you, your relative or a travelling companion.

  2. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

  3. There is no cover for any costs incurred in the replacement or return of the lost or stolen card.

  4. There is no cover for claims occurring outside of 31 days from the date of return to Ireland.

  5. There is no cover for claims where the card’s pin is written down or kept in proximity to the card.

  6. There is no cover where you can or could have recovered your losses from another source.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section K: Personal accident

You must read this section together with the General exclusions as these may affect your cover.

Accidental death

No excess applies to claims under this section.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will pay your estate if during your trip:

  • you suffer an injury which results in your death within 12 months of the injury being sustained; or

  • you disappear because your means of transport disappeared, sank or was wrecked, and your body has still not been found 12 months after your disappearance.

What is not covered?
  1. There is no cover if your death is due to an illness or your suicide.

  2. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Funeral expenses abroad

No excess applies to claims under this section.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will pay for expenses for your burial or cremation outside of Ireland if you die during your trip abroad.

What is not covered?

There is no cover where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Total permanent disability

No excess applies to claims under this section.

You are covered for this benefit under the Standard and Premium Plans.

What is covered?

We will cover you if during your trip you suffer an injury and as a result of that injury you suffer total permanent disability within 12 months of sustaining the injury.

What is not covered?
  1. There is no cover if you suffer total permanent disability as a result of an illness.

  2. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section L: Personal liability

You are covered for this benefit under the Standard and Premium Plans.

You must read this section together with the General exclusions as these may affect your cover.

What is covered?

We will pay you for your legal liability to pay damages or compensation because your negligence during the trip causes:

  1. injury to a person who is not a member of your family or travelling party; or

  2. loss or damage to property that is not owned by you or a member of your family or travelling party, or which is not in your or their custody or control.

  3. loss of or damage to temporary holiday accommodation that does not belong to you or any member of your family, household, employee or travelling party.

After any incident or occurrence which may lead to a claim under this section, you must:

  1. not admit liability;

  2. not offer to pay for any damage;

  3. co-operate with us fully and provide all information we require;

  4. obtain and provide to us names and addresses of any injured parties and any witnesses;

  5. as soon as practicably possible, send us every item of correspondence and legal documents you have as well as details of any conversations relating to that liability; and

  6. not appoint legal representation without our written permission.

If you do not comply with these conditions it may impact your ability to make a claim under this policy.

We will also pay your legal costs in relation to that liability provided that you have obtained our prior written permission to appoint legal representation and costs and expenses are incurred with our prior written consent.

What is not covered?
  1. There is no cover for any liability:

    1. arising out of your trade, business or profession; or

    2. for injury to an employee arising out of, or in the course of, their employment by you; or

    3. arising out of your unlawful, wilful or malicious act; or

    4. arising out of your ownership, possession or use (including as a passenger) of a mechanically propelled vehicle for example, motor vehicle, motor cycle, aircraft or watercraft; or firearm; or

    5. arising out of you passing on an illness to another person; or

    6. covered under any other insurance; or

    7. for racing of any kind; or

    8. which you incur as a result of an agreement that you made which would not exist in the absence of that agreement (contractual liability).

  2. There is no cover for any fines and punitive damages.

  3. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan. Limits apply per insured person.

Section M: Winter sports cover (optional cover)

Section M: Winter sports cover only applies if you have purchased the Winter sports cover option. This option is available with the Standard and Premium Plans.

When you buy the Winter sports cover option (which will be shown on your Certificate of Insurance) you have cover under the other benefit sections for the plan you have chosen when you’re participating in a winter sport.

The following Winter sports cover benefits are also available when you purchase the Winter sports cover option.

You must read this section together with the General exclusions as these may affect your cover.

Ski lift passes

No excess applies to claims under this benefit.

What is covered?

We will cover you for non-refundable, pre-paid ski lift passes or ski equipment hire or tuition fees that cannot be used due to your illness or injury sustained during your trip.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Winter sports cover option. Limits apply per insured person.

Ski run closure

No excess applies to claims under this benefit.

What is covered?

We will pay you if you are prevented from skiing at a pre-booked ski resort for more than 24 continuous hours during your trip, because insufficient snow, too much snow or high winds caused a total closure of the lift system.

What is not covered?
  1. We will not cover you for claims in respect of ski resorts that do not have skiing facilities at least 1,000 metres above sea level. We will not cover you for claims that arise due to insufficient snow in Northern hemisphere ski resorts outside the period 15 December to 31 March, or in Southern hemisphere ski resorts outside the period 1 July to 30 September.

  2. There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Winter sports cover option. Limits apply per insured person.

Hire replacement snow equipment

No excess applies to claims under this benefit.

What is covered?

We will pay you the reasonable cost of hiring replacement equipment if your winter skiing equipment is lost, delayed or damaged during your trip.

What is not covered?

There is no cover under this section where you have made a claim for the same costs under any other section of the policy.

What is the most we will pay?

The most we will pay for this benefit is shown in the Winter sports cover option. Limits apply per insured person.

Section N: Coronavirus travel costs

You are covered for this benefit under the Premium Plan.

You must read this section together with the General exclusions as these may affect your cover.

For details of the cover available for medical expenses outside of Ireland and medical repatriation/evacuation, see Medical expenses abroad, Hospital compensation, and Medical evacuation and repatriation under Section B: Medical expenses.

What is covered?

This Section N covers you if:

  1. You or a member of your travelling party are diagnosed with coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements. The attending medical practitioner must certify that, due to the diagnosis, you are medically unfit to continue with your original travel plans. The diagnosis of coronavirus must be made after policy purchase.

  2. Your close relative in Ireland is hospitalised or dies due to coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements. The diagnosis of coronavirus must be made after policy purchase.

  3. You or a member of your travelling party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-approved leave is cancelled by the employer due to coronavirus, we will pay the non-refundable portion of your pre-paid travel arrangements.

  4. You are unable to stay at your pre-booked accommodation due to it being closed for cleaning following a confirmed case of coronavirus, we will pay for your reasonable additional travel and accommodation nearby. You must provide written confirmation of the closure from the provider.

  5. During your trip you are denied boarding on your scheduled public transport due to you being suspected of being infected with coronavirus, we will pay for your reasonable additional travel, meals and accommodation. You must provide written confirmation from the carrier or relevant authority.

  6. During your trip, you or a member of your travelling party are confined to compulsory quarantine as a result of your or their diagnosis of, or confirmed close contact with a case of, coronavirus, we will pay for your reasonable additional travel, meals and accommodation, including in-room entertainment. To be covered, the attending registered medical practitioner or local health authority must advise us in writing that your quarantine is necessary.

  7. During your trip, you are unable to take care of your dependent children due to you being diagnosed with coronavirus, we will pay your reasonable additional childcare costs for a registered or appropriately qualified childcare worker to take care of your dependent children who would otherwise have been in your full-time care.

  8. During your trip, you are diagnosed with coronavirus, we will pay your reasonable additional pet care services, including kennel and cattery boarding fees or professional pet sitting services, in Ireland.

You may need to provide us with your receipts and written confirmation of any compensation offered or denied.

What is not covered?

We will not pay a claim or loss that arises because of any of the following:

  1. You buy a policy, make or undertake travel arrangements when you are aware, or should have been aware, of circumstances that may impact your travel plans, or knowingly putting yourself in a situation of unreasonable risk, such as:

    1. you know you will be unable to avoid close contact with a case of coronavirus during your trip; or

    2. you are medically unfit to travel; or

    3. you travel against medical advice; or

    4. when you know you will have to consult a medical practitioner during your trip.

  2. You fail to promptly cancel or rearrange your travel plans after an event in this section impacts your trip, and you incur extra costs.

  3. You neglect to observe appropriate government, health department, and World Health Organisation preventative and precautionary measures, including any relevant vaccinations, hygiene or social distancing guidelines.

  4. Your or a member of your travelling party’s change of mind, disinclination or reluctance to travel.

  5. Any expenses where you’re unable to provide written documentation confirming the incident, or where you can’t provide proof of your expenses, including original receipts, if we ask for them.

  6. Additional travel and accommodation expenses above the standard originally booked, unless approved by us.

  7. Expenses you incur after you return to your home in Ireland.

  8. Additional accommodation expenses, where you claim for cancelled accommodation expenses covering the same period of time; or any expenses where you have made a claim for the same costs under any other section of the policy.

  9. Any quarantine that is broadly imposed by a government or other official body and which is not as a result of your or a member of your travelling party’s diagnosis of, or close contact with a case of, coronavirus.

What is the most we will pay?

We will not pay more than €1,500 per insured person per policy for all trips combined during the period of insurance. The most we will pay for this benefit is shown in the Schedule of benefits for your chosen plan.

General exclusions

These general exclusions apply to all sections of this policy.

You should read these general exclusions, together with the cover and the specific exclusions referred to under each section of cover.

There is no cover under any section of this policy for any claim arising directly or indirectly because of any of the following:

  1. You travel:

    1. even though you know you are medically unfit to travel; or

    2. against medical advice; or

    3. when you know you will have to consult a medical practitioner; or

    4. for the purpose of obtaining medical advice or treatment, or

    5. without complying with or against a directive, recommendation, or warning from the World Health Organisation, including your failure to obtain any recommended vaccines, inoculations or medications prior to your trip.

  2. You fail to maintain a course of treatment you were on at the time your trip commenced.

  3. Elective or cosmetic treatment or surgery that is not medically necessary, and/or their complications.

  4. Participation in a clinical trial and/or their complications.

  5. Gastric banding, gastric sleeve or gastric bypass surgery and/or their complications.

  6. An existing medical condition. This exclusion will not apply if your medical condition is one that is automatically covered.

  7. Any illness or death that results from or relates to a terminal prognosis that was made prior to the issue of the Certificate of Insurance.

  8. The birth of a child, at any gestation, regardless of the cause.

  9. Any pregnancy-related illness of the mother after the 26th week of gestation of a single pregnancy (or the 19th week of a multiple pregnancy).

  10. Any medical treatment or care that is not required as an emergency, or any alternative therapy, health spa or rehabilitation centre, unless it has been agreed to by us.

  11. A member of the travelling party decides to alter their plans or not to continue with the trip.

  12. A member of the travelling party:

    1. does not follow official laws or warnings from a governmental authority or organisation, or any other relevant or local authority.

    2. intentionally and recklessly places themselves in circumstances, or undertakes activities which pose a risk to their personal safety (except in an attempt to save a human life); or

    3. deliberately injures themselves; or

    4. is intoxicated by or is addicted to alcohol or a drug, except a drug taken in accordance with the advice of a registered medical practitioner; or

    5. takes part in a riot or civil commotion; or

    6. hunts, plays polo, races (except on foot), mountaineers, paraglides, rock climbs, abseils, participates in base jumping, running with the bulls, or pot holing; or

    7. travels in international waters in a private sail vessel or privately registered sail vessel; or

    8. participates in, or trains for, a professional sporting activity; or

    9. scuba dives unless you hold an open water diving licence, or you were diving under licensed instruction; or

    10. rides a motor cycle, moped or motor scooter, either as the person in control or as a pillion passenger:

      1. with an engine capacity greater than 250cc, or

      2. when not wearing a helmet, or

      3. where the person in control does not have a full motorcycle licence that is valid both in the country of travel and in their country of residence.

    11. rides an all-terrain vehicle or quad bike, either as the person in control or as a pillion passenger.

    12. participates in activities on snow or ice, other than winter sports activities if you have purchased the Winter sports cover option, where available.

    13. participates in any competitive record attempts involving aerial devices or aircraft.

  13. A loss which is recoverable under a scheme that provides coverage for any medical treatment; for example, VHI, LAYA, Irish Life & Health, private medical insurance, a national reciprocal health fund or scheme, workers’ compensation scheme, travel compensation fund or accident compensation scheme. We will not pay for private medical care when reciprocal health cover is available and accessible. In any case, we will only pay for private medical care where approval has been given by nib International Assistance.

  14. Any consequential loss, or loss of enjoyment; compensation or financial losses that are not specifically covered.

  15. A loss caused by, or in any way connected with a malicious, criminal or dishonest act by a member of the travelling party or by a person with whom you are in collusion.

  16. You act fraudulently in any way or encourage anyone else to give us fraudulent information.

  17. A loss caused by, or in any way connected with, war, invasion, act of a foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, military or usurped power or civil insurrection, except as provided for in the section Emergency expenses to avoid disaster.

  18. A loss caused by, or in any way connected with the use, existence or escape of nuclear materials, biological and or chemical materials, or ionising radiation from, or contamination by, radioactivity from any nuclear fuel, or nuclear waste from the combustion of nuclear fuel.

  19. A loss caused by, or in any way connected with any government intervention, prohibition, or regulation. This exclusion does not apply to claims under Section N: Coronavirus travel costs. Please refer to Section N for specific exclusions regarding coronavirus travel costs.

  20. A government authority seizing, withholding or destroying anything of yours or any government not allowing you to enter or to stay in that country.

  21. An act or threat of terrorism. This exclusion does not apply to Cancellation and additional expenses event 2 for hijacking in What are the events that will be covered under this section; Medical expenses abroad; Emergency accommodation due to terrorism; Luggage and personal effects; Medical evacuation and repatriation for the cost of repatriation to or within Ireland, if the carrier requires you to be brought back with a medical escort.

  22. Cancellation, delay or rescheduling of your scheduled public transport on the part of the carrier for operational reasons, mechanical breakdown or maintenance. This exclusion does not apply to the Travel delay section.

  23. You fail to take reasonable precautions to avoid a financial loss after a public warning of a strike, riot, civil commotion, or natural disaster.

  24. You operate a rental vehicle in violation of the rental agreement.

  25. The financial default of a travel agent, scheduled serviced airlines, hotel and resort operators, car and campervan hire companies, cruise lines, railway operators and theme park operators to the extent that your loss is covered by a scheme or fund (not a contract of insurance), or would be covered but for this insurance.

  26. The financial default of any person, company or organisation involved in your travel arrangements and that financial default occurred prior to the issue of the Certificate of Insurance.

  27. A loss which occurs in excess of 45 days of any one trip.

  28. Credit card conversion fees or any other bank charges.

  29. An event that occurs during any waiting period that applies to your policy.

  30. Travelling or planning to travel to a country or region that is the subject of a ‘Do not travel’ warning issued by the Department of Foreign Affairs and Trade for Ireland.

  31. A loss caused by, or in any way connected with, an epidemic, pandemic or World Health Organisation declaration of a public health emergency of international concern. This exclusion does not apply to:

    1. Section B: Medical expenses abroad;

    2. Section B: Hospital compensation;

    3. Section B: Medical evacuation and repatriation;

    4. Section K: Funeral expenses abroad; and

    5. Section N: Coronavirus travel costs.

  32. Travelling or planning to travel when you knew, or should have known, at the time of policy purchase of circumstances that could result in a claim; or making travel arrangements after you knew, or should have known your trip may be affected by circumstances that result in a claim. This exclusion does not apply to claims under Section N: Coronavirus travel costs as there are specific exclusions regarding coronavirus travel costs. Please refer to Section N for specific exclusions regarding coronavirus travel costs.

Sanctions limitation and exclusion clause

We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation of the United Nations, the European Union, the United Kingdom or the United States of America.

Claims conditions

This section describes what you should and should not do, as well as conditions that apply when you make a claim and at the time loss or damage occurs which is likely to give rise to a claim.

If you do not comply with these conditions it may impact your ability to make a claim under this policy.

What you must do in the event of a claim or incident

  1. Prevent further loss or damage if it is safe to do so;

  2. If something was lost, stolen or vandalised, within 24 hours report it to the local police, transport provider, hotel, tour guide or other authority and get a copy of the report;

  3. If there were any witnesses, get their details and a written statement where possible;

  4. In the case of an emergency, call our 24-hour Emergency Assistance Team;

  5. Contact us to submit your claim as soon as you can. Refer to How to make a claim. You can download a claim form from our website or we can send you one;

  6. Where you have private medical insurance, you will first need to contact your PMI provider and follow their emergency medical procedures and their claims procedures. Where your PMI provider can no longer provide assistance, contact our 24-hour Emergency Assistance Team before incurring medical costs. Also provide us with details of your PMI provider to help us co-ordinate your care. Additional information is found under Private Medical Insurance (PMI);

  7. Give us any documents, letters or notices relating to a claim or possible claim, medical certificates, itemised medical accounts, original receipts, rental agreements, repair quotes, ticket and luggage checks or information that we reasonably ask for. This will be at your expense;

  8. If you become sick or injured, see a medical practitioner as soon as you are aware of signs or symptoms of the condition and request a written report;

  9. If your luggage is lost, delayed or damaged by the carrier, report this to them within 3 days and send to us a copy of the property irregularity report, along with details of any settlement that they make in relation to the loss or damage.

What you must not do in the event of a claim or incident

  1. Make any promise or offer of payment, or admit fault to anyone (except in a court or to the police), or become involved in any litigation in respect of an event that may result in a claim under this policy, without our consent;

  2. Offer or negotiate to pay a claim or make repairs;

  3. Dispose of damaged items unless we’ve said you can;

  4. Delay telling us about an incident, as it may reduce the amount we pay for your claim;

  5. Give us false or misleading information.

Claims information

Fraudulent claims

If your claim contains information that is false or misleading in any material respect and you either know or consciously disregard that it is false or misleading, we:

  • May report the matter to police;

  • Will be entitled to refuse to pay the claim and/or receive a full refund if the claim has been paid;

  • May (by notice to you) avoid the policy, in which case coverage under the policy will be treated as having terminated with effect from the date of the submission of the claim (such avoidance will apply to any claim made after that date but will not affect a valid claim already made under the policy);

  • Need not return any of the premiums paid under the policy.

These remedies will not be available against anyone else insured under the policy who was not implicated in the fraud.

How to make a claim

Please contact us as soon as you can. You can download a claim form from our website or we can send you one. You must provide your full cooperation at all times, and answer all queries on the claim form completely and truthfully.

If you do not comply with these conditions it may impact your ability to make a claim under this policy.

Managing and settling claims

nib Travel Services, our claims team, is authorised by us to handle your claims under this policy on our behalf.

Our claims team will work directly with you while assessing your claim. They will:

  1. Confirm receipt of your claim within 5 business days, provide you with a claim number and allocate a case manager to your claim.

  2. Inform you in writing within 5 business days of receipt if additional information is required.

  3. Process your claim within 5 business days of receiving all necessary supporting documentation. They’ll determine which expenses are covered (or not covered), calculate the settlement value of your claim less any applicable excess, and inform you in writing.

  4. Deposit approved payments into your Ireland bank account, unless you authorise a payment to someone else. We are not responsible for your bank fees or charges applicable to this payment.

  5. Pay you in Euros on the basis of the exchange rate that applied at the time of the event that gave rise to the claim.

We will not pay more than your actual loss.

We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.

Other insurance and contribution

You must notify us of any other insurance which will or may, whether in whole or in part, cover any loss insured under your policy, including any private medical insurance (PMI) you hold which covers you for medical expenses outside of Ireland.

If at the time of any loss, damage or liability there’s any other insurance (whether effected by you or by any other person) which covers the same loss, damage or liability you must provide us with any reasonable assistance we require to make a claim for contribution from any other insurer(s).

Seeking compensation

If your loss has been caused by someone else, for example, your luggage is damaged by a carrier, you are required to make a claim with the responsible party and provide documentation of that claim to us. If they do not pay you the full amount of your claim and your claim is covered under your policy, we will make up the difference. You must claim from them first.

If we have a claim against someone in relation to the money we have to pay under this policy, you must do everything you can to help us recover that money in legal proceedings. If you are aware of any third party that you or we may recover money from, you must inform us of such third party.

Providing proof

You must be able to prove to us you’ve suffered a loss covered by your policy before we’ll pay you for it. We may ask you for this proof if you make a claim under your policy. So your claim can be assessed quickly, make sure you keep the following:

  • proof that you owned the item; and

  • proof of its value and age.

You should keep all relevant receipts, accounts, valuations and police or medical reports. We will not pay any claim when the only proof of ownership is:

  • a photograph; or

  • a photocopy of any documentation; or

  • a copy of the user’s manual downloaded from the internet;

unless you also submit a Statutory Declaration.

If you cannot provide the evidence or proof that we ask for we may not pay you.

Salvage

We’re entitled to obtain and retain any items or materials salvaged or recovered after you make, and we agree, to pay a claim by replacing or paying to replace any items or materials. We may sell the items or materials and keep the proceeds. We may choose to sell the items or materials to you, provided you agree to pay market price.

Subrogation, recovery action and uninsured loss

We may at any time, at our expense and in your name, use all legal means available to you of securing reimbursement for loss or damage arising under your policy in accordance with the provisions of section 23 of the Consumer Insurance Contracts Act 2019. In the event we do so, you agree to give all reasonable assistance for that purpose.

If you’ve suffered loss that wasn’t covered by your policy as a result of the incident, we may offer to attempt to recover this. You may also specifically ask us to recover this for you. You’ll need to give us documents supporting your loss. Before we include any uninsured loss in the recovery action, we’ll also ask you to agree to the basis on which we’ll handle your recovery action. You may need to contribute to legal costs in some circumstances.

Preventing our right of recovery

If you’ve agreed not to seek compensation from any person liable to compensate you for loss, damage or liability covered by your policy, we won’t cover you for that loss, damage or liability.

Other Important Information

Privacy

This section is a summary of our Privacy Notice, available here.

Who are we?

nib Travel Services Europe Limited is part of a group of companies whose parent company is nib holdings limited.

We have a Group Privacy Policy which contains information about the general use of personal data by the group, available on request or here.

In order to provide you with your insurance policy, we may use your information in ways different to those explained in the Group Privacy Policy. Set out below is a summary of your specific Privacy Notice from us; where this conflicts with the Group Privacy Policy the information in the Privacy Notice prevails.

Our insurer is XL Insurance Company SE; please see their full privacy notice at: https://axaxl.com/privacy-and-cookies.

(In this Privacy section, “we”, “us” and “our” refer collectively to nib Travel Services Europe Limited and nib holdings limited.)

What data do we collect about you?

  • personal data from you about yourself, including data like your name, age, gender, contact details, bank account and credit card details.

  • your data through our claims and complaints processes.

  • special categories of personal data including health information, such as information about your medical conditions and treatment.

  • credit card details and other identifying information in order to process orders and provide customer service.

When you provide personal data about other individuals, we rely on you to have made them aware that you are providing the information to us and of the Privacy Notice.

How do we collect personal data?

  • From you, such as when you:

    • submit an enquiry through our website or request information from us

    • enter into any competitions, scholarships or promotions we may run

    • submit an application for insurance or make a claim

    • download a PDF guide

    • browse our website (or associated websites), use our mobile apps or when you speak with us by telephone or through social media networks.

  • From others, such as where you have consent or as required by law

  • Where you give us personal (including health) data about others, we rely on your having consent to do so and informing those people about the content of our Privacy Notice.

What do we do with your personal data? How long do we keep it for?

We use your personal information to provide you with your insurance policy and our insurance services in relation to that policy. This includes providing you with a quote; arranging and managing your travel insurance and insurance-related services; providing you with emergency assistance; managing, processing and investigating claims; and managing your and our rights and obligations in relation to the insurance.

We will only use your data for the purpose we collected it, unless we reasonably consider we need to use it for another reason related to our original purpose. If we want to use your data for an unrelated purpose, we will ask for your consent.

We will only hold your personal information for as long as necessary for any purpose for which it may be used or disclosed, or to comply with any legal or ethical reporting or retention requirements. Where personal data is no longer needed by us for any purpose and as soon as the law permits, we will use secure methods to destroy or de-identify that data.

What is the basis for our use of personal data?

We process your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Where relevant, complete necessary pre-contractual checks to ensure we can assess your ability to purchase the insurance product.

  • To fulfil our contractual obligations with you.

  • Where we need to comply with a legal obligation, such as reporting obligations, liaising with regulatory and government authorities.

  • Where you have provided us with your express consent.

  • Where it is necessary for our legitimate interests such as to improve our services, to ensure we price our products appropriately, to manage risk, to manage our business efficiently, to perform audits, and to maintain accurate records. We will balance these needs against your fundamental rights and freedoms and ensure there are safeguards to ensure your privacy is protected.

  • To exercise our legal rights as necessary, such as to detect, prevent and respond to fraud claims, intellectual property infringement claims or violations of law.

What is the basis for our use of personal data that is special category data?

We process your heath data where we have a lawful exemption to do so, such as:

  • with your consent,

  • where it is necessary to provide health services,

  • where the law provides insurance exemptions, such as processing of health data of your family members or the health data of those on a group policy.

Please see the Group Privacy Policy for more details.

Will we disclose the data we collect to anyone?

Your personal data (including health data) may be disclosed to third parties, such as:

  • insurance intermediaries, and our representatives;

  • insurers (such as XL Insurance Company SE) or reinsurers;

  • claims handlers, investigators, and cost containment providers;

  • service providers and contractors, including IT service providers and medical and health service providers;

  • law enforcement, regulatory and government entities and courts where we are legally required or authorised to do so;

  • our related companies; and

  • companies we partner with on such programs as co-authoring content, co-promotion of competitions and use to develop targeted marketing campaigns.

If you are a SuperValu customer who has purchased SuperValu Travel Insurance through the website supervalutravelinsurance.ie then we will provide SuperValu Financial Services DAC with the following information:

  • your name and address

  • your SuperValu rewards club membership number

  • the policy you have purchased

  • the date on which you purchased the policy.

Will we share data outside the European Union?

We want to reassure you we never sell personal data to third parties and no third parties have access to your personal data unless the law allows them to do so.

We will always take steps to ensure that any international transfer of data is carefully managed to protect your rights and interests. More information on this framework can be found in the nib Group Privacy Policy.

If we need to share your data with countries outside the EU, such as the UK and Australia, we will do so as allowed to by law, and in ways that protect your data, such as sharing with nib Group companies or contractors under contractual arrangements that protect data.

nib held data is located on servers in Australia and the EU. We have a Data Protection regime in place to oversee the effective and secure processing of your personal data.

What are your rights?

You have certain rights, under the General Data Protection Regulation and the Data Protection Act 2018, in relation to the personal data that we hold about you. These rights are subject to certain exemptions such as public interest (eg prevention of crime) and our interests (eg maintaining legal privilege). Your rights include:

  • the right to access your personal data;

  • the right to rectification/erasure of your personal data;

  • the right to withdraw your consent for us to process data, where this is our basis for processing;

  • the right to restrict or object to the processing of your personal data;

  • the right to complain to your supervisory authority about the use of your personal data; in Ireland, the supervisory authority is the Data Protection Commissioner.

Where we need your consent to process your personal data for certain purposes under the General Data Protection Regulation and the Data Protection Act 2018, we will ask for your consent in accordance with those laws. You may withdraw your consent to such processing at any time.

However, where you (i) withdraw your consent; (ii) fail to provide information requested in order to enter in to the insurance policy (contract) with us; or (iii) fail to provide information required by us to fulfil the contractual obligations with you or statutory obligations; then this is likely to impact our ability to provide your insurance cover and pay claims under the cover.

Please note you may not access or correct personal data of others unless you have been authorised by them or are authorised under law.

How can I contact you or make a complaint about privacy?

Please contact nib in writing at nib Travel Services, 1st Floor, City Quarter, Lapps Quay, Cork, Ireland or at [email protected].

If you have questions or concerns regarding the way in which your personal data has been used by XL Insurance Company SE, please contact: [email protected]. For more information about how XL Insurance Company SE process your personal data, please see their full privacy notice at: https://axaxl.com/privacy-and-cookies.

If you are not satisfied with our response or believe we are not processing your personal data in accordance with the law, you can complain to the Data Protection Commissioner. You can contact them at:

Data Protection Commission, Canal House, Station Road, Portarlington, Co Laois, R32 AP23, Ireland

Phone +353 (0) 761 104 800

Local 1890 25 22 31

If you have a complaint

We are dedicated to providing a high quality service and we want to ensure that we maintain this at all times.

If you’re unhappy with the service provided in relation to this insurance policy, whether by us, nib Travel Services, SuperValu or any affiliate, please contact our Customer Relations team:

Phone: 1800 11 11 11 (local call in Ireland) and +353 21 237 8010 (from overseas)
Email: [email protected]

nib Travel Services Europe Limited
PO Box 912
South Cork DSU
Ireland

The Customer Relations team has an internal disputes resolution (IDR) process through which your complaint will be managed. They will acknowledge each complaint in writing within 5 business days of the complaint being received. They will endeavour to respond to your complaint within 20 business days of receipt. If more time is needed to collect necessary information or complete any further investigation required, they will agree with you a reasonable alternative timeframe.

It is recommended that all supporting documentation be submitted in writing so your costs and the circumstances of your complaint can be verified. You will need to allow our Customer Relations team the full opportunity to investigate and resolve your complaint.

Within 40 business days or as otherwise agreed with you, we will have completed our investigation and will inform you of this in writing. We will advise you what we have done to investigate your complaint, what information we have used to come to our decision, and what our final decision is for your consideration.

If all options to resolve your complaint with us have been exhausted and you are still not satisfied, or if you have not received a final response within 40 business days, you may contact the Financial Services and Pensions Ombudsman’s Bureau as the next step in seeking resolution of your complaint.

You can contact the Financial Services and Pensions Ombudsman’s Bureau as follows:

Financial Services and Pensions Ombudsman’s Bureau
3rd Floor, Lincoln House, Lincoln Place
Dublin 2
D02 VH29 Ireland

Website: www.fspo.ie/

Tel: 01 567 7000 (within Ireland)
Tel: +353 1 567 7000 (from overseas)
Fax: 01 662 0890
E-mail: [email protected]

This service is free of charge.

The European Commission also provides an on-line dispute resolution (ODR) platform that allows consumers to submit their complaint through a central site, which will forward the complaint to the right Alternative Dispute Resolution (ADR) scheme. The ADR scheme for nib Travel Services is the Financial Services and Pensions Ombudsman’s Bureau, which can be contacted directly using the contact details above. For more information about ODR please visit http://ec.europa.eu/odr.

Jurisdiction and choice of law

You and we can choose the law which applies to this policy. We propose that the law of Ireland applies. Unless we and you agree otherwise before the insurance starts, the law of Ireland will apply to this policy.

If a dispute arises in relation to this policy, we and you agree to submit that dispute to the exclusive jurisdiction of the courts of Ireland. We will abide by the final decision of such court or any competent appellate court.

All communications and documentation in relation to this policy shall be in English.

Third Party Rights

This contract of insurance is intended solely for the benefit of you and us. Unless otherwise specifically provided, nothing in this contract of insurance shall be construed to create any duty to, or standard of care with reference to, or any liability to, any person or entity not a party to this contract of insurance.

Insurance Act 1936

All moneys which become or may become due and payable by the insurer under this policy shall, in accordance with Section 93 of the Insurance Act, 1936, be payable and paid in Ireland.

Stamp Duties Consolidation Act 1999

The appropriate stamp duty has been or will be paid in accordance with the provisions of section 5 of the Stamp Duties Consolidation Act 1999.

The insurer and other providers

Benefits under this policy are arranged, managed and administered by nib Travel Services Europe Limited trading as nib Travel Services in Ireland on behalf of us, XL Insurance Company SE (the insurer), pursuant to a binding authority granted by us to nib Travel Services, as detailed in your Certificate of Insurance. nib Travel Services at all times acts as our agent and not your agent.

nib Travel Services Europe Limited trading as nib Travel Services is regulated by the Central Bank of Ireland. nib Travel Services is registered as a private company limited by shares in Ireland under company number 601851. nib Travel Services is a wholly owned subsidiary of nib holdings limited (Australian Company Number 125 633 856).

SuperValu Travel Insurance markets and promotes travel insurance products of nib Travel Services Europe Limited trading as nib Travel Services, 1st Floor, City Quarter, Lapps Quay, Cork, Ireland. SuperValu Financial Services DAC, trading as SuperValu Insurance, is regulated by the Central Bank of Ireland.

XL Insurance Company SE is a European public limited liability company and is regulated by the Central Bank of Ireland. Registered Office 8 St. Stephen’s Green, Dublin 2 D02 VK30, Ireland. Registered in Ireland with the Irish Companies Registration Office under company registration number 641686. You can check this information on the Central Bank of Ireland’s website at www.centralbank.ie which includes a register of all the firms they regulate.

Investor Compensation Scheme

We are a member of the Investor Compensation Scheme, which was formed under the Investor Compensation Act 1998. You may be entitled to compensation from this scheme if the insurer cannot provide the services for which you have paid. The compensation amount will be 90% of your loss up to a maximum of €20,000. Further information is available from www.investorcompensation.ie.

Updating the policy wording

This policy wording is current for the period of insurance outlined on your Certificate of Insurance. We may need to:

  • update this policy wording where required to comply with law:

    • If the changes affect a policy you currently have with us, we may issue you with a new policy wording to update the relevant information; if we do so, we will notify you via your email, phone number and/or via our website at supervalutravelinsurance.ie
  • update policy wording more generally from time to time:

    • We ask that you read the new policy wording in full, as it may differ from the wording of previous policies you had with us; and it may affect your cover or your decision to purchase cover with us.

Responsibility for the document

nib Travel Services Europe Limited, under the direction of XL Insurance Company SE, are responsible for this policy wording.

Date effective: 01 September 2020

Version: SupVal-0920

Contacts

Customer Service

Phone: 1800 11 11 11

Phone: +353 21 237 8010 (outside of Ireland)

Email: [email protected]

Claims

Phone: 1800 11 11 11

Phone: +353 21 237 8010 (outside of Ireland)

Email: [email protected]

nib International Assistance

Phone: 1800 11 11 11

Phone: +353 21 237 8011 (outside of Ireland)

Email: [email protected]

Here for you

SuperValu Travel Insurance markets and promotes travel insurance products of nib Travel Services Europe Limited trading as nib Travel Services, 1st Floor, City Quarter, Lapps Quay, Cork, Ireland. SuperValu Financial Services DAC, t/a SuperValu Insurance is regulated by the Central Bank of Ireland. nib Travel Services Europe Limited trading as nib Travel Services is regulated by the Central Bank of Ireland. nib Travel Services arrange, manage and administer our policies under a binding authority to act on behalf of the insurer, XL Insurance Company SE at 8 St Stephen’s Green, Dublin 2 D02 VK30, Ireland.