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ETIHAD TRAVEL INSURANCE POLICY DOCUMENTATIONINDEXIntroduction and table of benefits page 2Page 16Section C – Cutting your trip shortPage 2IntroductionPage 17Section D1 – Missed departurePage 2Table of benefitsPage 17Section D2 – Missed connectionPolicy summary pages 3 to 6Page 17Section E1 – Travel delayPolicy wording pages 7 to 21Page 17Section E2 – Abandoning your tripPage 7General information about this insurancePage 18Section F1 – Personal belongings and baggagePage 8Important things you need to know before you travelPage 18Section F2 – Delayed baggagePage 9Cancellations and refundsPage 18Section F3 – Personal moneyPage 9Age limitsPage 18Section F4 – Passport and travel documentsPage 9Cover options availablePage 19Section G – Personal accidentPage 10Geographical areasPage 20Section H – Personal liabilityPage 10Medical and other emergenciesPage 20Section I – Legal expensesPage 10How to make a claimPage 20Section J – HijackPage 11How to make a complaintPage 11General definitionsOther services page 21Page 12General conditionsPage 21Page 13General exclusionsPage 14Section A – Cancelling your tripPage 14Section B1 – Emergency medical and other expensesoutside of the United KingdomPage 15Section B2 – Expenses within the United KingdomPage 16Section B3 – Hospital benefitPage 16Section B4 – Mugging benefitSummary of important contact details
INTRODUCTIONWelcome to Travel InsurancePlease note: Other than headings and subheadings, terms shown in bold in this policy have the meanings given to them in the General definitionssection on pages 12 and 13.This policy document is only valid when issued in conjunction with a certificate of insurance and provided the required insurance premium hasbeen paid.The following cover is provided for each insured person. It is important that you refer to the individual sections of cover for full details of what youare entitled to should you need to make a claim. The sum insured and the excess applicable to any claim made will depend upon the level ofinsurance you have purchased. Your certificate of insurance will also show whether you have purchased any additional sections of cover asoutlined in the following tables.Table of benefitsSectionBenefitsACancelling your tripB1Emergency medical expenses outside of the United KingdomEmergency dental treatment outside of the United KingdomB2Expenses within the United KingdomB3Hospital benefitB4CMugging benefitCutting your trip shortD1D2Missed departureMissed connectionE1Travel delayE2F1Abandoning your tripPersonal belongings and baggageIncluding: Single article limit/pair or set of items limitIncluding: Valuables and electronic/other equipment limitIncluding: Property in a motor vehicle limitDelayed baggageF2Sum insured up to:Excess* 6,000 40 5,000,000 300 65nil 10,000 30 for every 24hours up to max 2,700 65 500 6,000Nil 40 500 500 20 after each 12hours delay up to 300 40 40 6,000 6,000 500 300 100 190 for a 6 hourdelay up to 190 40 40NilNilNilF3Personal moneyIncluding: Cash limitIncluding: Cash limit (aged under 18) 300 200 150 40F4Passport and travel documentsPersonal accident:Loss of limbLoss of sightPermanent total disablementDeath benefit (aged 18 to 64)Death benefit (aged under 18 or over 64) 300 40 30,000 30,000 30,000 30,000 2,000NilNilNilNilNilGHPersonal liability 2,000,000 250IJLegal expensesHijack 10,000 350 per 24 hoursup to maximum 10,000NilNil* ExcessIf you need to make a claim under the sections listed in the table above, we will deduct the amount shown in respect of the policy excess from thesum we pay you for any valid claim. The excess will apply to each and every person claiming and to each incident and to each section of the policyunder which a claim is made.2
POLICY SUMMARYInsurance ProviderThis insurance is provided by Etihad AIRWAYS P.J.S.C and underwritten by AIG Europe Limited. Etihad is an appointed representative of AIGEurope Limited.Purpose of the InsuranceThe purpose of this travel insurance policy is to provide cover for losses arising as a result of specified events that occur before or during a trip,including: emergency medical expenses, theft or loss of baggage and cancellation. The cover provided is subject to certain limits and excesses, asset out in the Table of benefits (see page 2 of this document).Significant Features, Conditions and ExclusionsThe cover provided is subject to certain conditions and exclusions. The table below sets out the significant features of the cover and theconditions and exclusions that apply. To ensure the policy is suitable for you, you are advised to read the Policy Wording which sets out all of thefeatures, conditions and exclusions.Significant FeaturesConditions and ExclusionsPolicy WordingReferenceEmergency Medical ExpensesThe cover provided includes: Emergency medical, surgical and hospital treatment and ambulance costs; Additional accommodation and travel expenses if you cannot return to the UnitedKingdom as scheduled; and Repatriation to the United Kingdom if it is medically necessary.Pages 14 and 15,Section B1Significant Conditions: If you need inpatient medical treatment, you must contact the Medical EmergencyAssistance Company, AIG Travel immediately on phone number 44 (0) 1273 747602; and Additional accommodation and travel expenses and repatriation costs must beapproved in advance by AIG Travel.Page 10,‘Medical andOtherEmergencies’The following limits andexcesses apply per person, perincident:Sum insured up to: 5,000,000( 65 excess)Cancellation and Cutting YourTrip ShortThe following limits andexcesses apply per person, perincident:Sum insured up to:Up to 6,000 ( 40 excess)Significant Exclusions:Cover is not provided if: The claim relates to any heart condition, any circulatory condition, any respiratorycondition or any cancerous condition which you knew about when you bought thisinsurance; The claim relates to you having a medical condition for which you are takingprescribed medication or you have seen a medical specialist or needed inpatienttreatment within the last 12 months when you bought this insurance; You are travelling against medical advice or with the intention of receiving medicaltreatment; You are receiving or waiting for medical investigation or treatment for anyundiagnosed condition or set of symptoms when you buy this insurance and/or atthe time of commencing travel or you have been given a terminal prognosis; or The claim relates to pregnancy or childbirth if you are more than 26 weekspregnant at the start of or during your trip.Cover is provided for loss of travel and accommodation expenses you have paid or haveagreed to pay under contract, and which you cannot get back, if it is necessary andunavoidable for you to cancel or cut short your trip for specified reasons, including: You dying, becoming seriously ill or being injured; The death, injury or serious illness of a relative, business associate or a person withwhom you have booked to travel, or a relative or friend with whom you plan tostay during your trip.Significant Conditions:If it is necessary for you to cut short your trip and return to the United Kingdom,you must contact AIG Travel immediately.Page 8,‘Health Conditions’Page 13General Exclusion,number 1Pages 14 and 16,Sections A and CPage 10,‘Medical andOtherEmergencies’3
Significant FeaturesConditions and ExclusionsPolicy WordingReferenceSignificant Exclusions:Cover is not provided if: The reason for cancellation or cutting short your trip relates to a medical conditionor illness which you knew about when you purchased this insurance and whichcould reasonably be expected to lead to a claim.Pages 8,‘Health Conditions’Your Personal Belongings andBaggageCover is provided for loss, theft or damage to personal belongings and baggage ownedby you (not borrowed or rented) during your trip.Pages 13 and 14,GeneralExclusions,number 1 and 2Page 18,Section F1The following limits andexcesses apply per person, perincident (please see the Tableof Benefits for the limit for anyone item/set or pair of itemsand for valuables andelectronic/other equipment):Significant Conditions: In the event of a claim an allowance may be made in respect of wear and tear andloss of value; and In the event of a claim you must provide receipts or other proof of ownershipwherever possible for the items being claimed.Page 11,GeneralDefinitions,‘Pair or set ofitems’Significant Exclusions:Cover is not provided if: You do not report the loss or theft of belongings or baggage to the police within 24hours of discovering it and do not obtain a written police report; You leave your belongings or baggage unattended in a public place; The loss, theft or damage occurs whilst your belongings or baggage are in thecustody of the airline or transport company unless you report this to the carrierwithin 24 hours of discovering it and get a written report (a property irregularityreport will be required if the loss, theft or damage takes place whilst in the care ofan airline); The loss, theft or damage to valuables and electronic/other equipment occurswhilst not being carried in your hand luggage while you are travelling on publictransport or on an aircraft; or The loss, theft or damage to mobile phones (including smart phones and tabletcomputers), contact or corneal lenses, sunglasses, prescription glasses orspectacles, dentures, hearing aids, artificial limbs, paintings, household equipment,bicycles and their accessories, motor vehicles and their accessories (this wouldinclude keys), marine craft and equipment or items of a perishable nature.Cover is provided for cash and traveller’s cheques lost or stolen during your trip.Page 12,GeneralDefinitions,‘unattended’ and‘valuables andelectronic/otherequipment ’Sum insured up to:Up to 6,000 ( 40 excess)Items left in a locked motorvehicle: 100 per insured personYour Personal MoneyThe following limits andexcesses apply per person, perincident(please see the Table ofBenefits for cash limits forpersons 17 years of age orunder):Sum insured up to:Up to 300 ( 200 cash limit, 45 excess)Significant Conditions: In the event of a claim, you must be able to provide evidence of ownership andvalue (for example, receipts, bank statements or cash-withdrawal slips).Pages 18 and 19,Section F3Significant Exclusions:Cover is not provided if: You do not report the loss or theft of personal money to the police within 24 hoursof discovering it and do not obtain a written police report; or At the time of loss or theft, the personal money was not carried with you or held ina locked safety deposit facility.4
LimitationsPolicy WordingReferenceExcludedcountriesThe geographical area which you are entitled to travel to is shown on your certificate of insurance. AIG issubject to compliance with US sanctions laws. For this reason, this policy does not cover any claims, loss,injury, damage or liability, benefits or services directly or indirectly arising from or relating to a plannedor actual trip to or through Cuba, Iran, Syria, Sudan, North Korea or the Crimea region.ExcludedIndividualsand entitiesThis policy will not cover any claims loss, injury, damage or legal liability sustained directly or indirectly byany individual or entity identified on any applicable government watch lists as a supporter of terrorism,narcotics or human trafficking, piracy, proliferation of weapons of mass destruction, organised crime,malicious cyber activity, or human rights abuses. Lastly, no cover is provided for claims arising as a directresult of a situation highlighted by the Foreign and Commonwealth Office (FCO) where you have travelledto a specific country or to an area where, prior to your trip commencing, the FCO have advised against all(but essential) travel.To be eligible for cover all persons must be 75 years of age or under at the date of buying this insurance.The person buying this insurance must be 18 years of age or over at the date of purchase.This policy offers coverage only to individuals ordinarily resident in the United Kingdom and is notavailable to non-residents of the United Kingdom.You and all other insured persons must have your main home in the UK, have a UK National Insurancenumber (where aged 16 years or over) and be registered with a doctor in the UK at the time you buy thispolicy. Residents of the Channel Islands and Isle of Man must have their main home in the ChannelIslands or the Isle of Man respectively and be registered with a local doctor.You must contact the AIG Travel Customer Services Department by e-mailing etihaduk@aig.com if youare planning to participate in a sport or activity which is not shown in the list of covered activities onpages 9 and 10 of the policy wording. Please note that if using a two-wheeled motor vehicle as a driver orpassenger you must wear a crash helmet and the driver must hold a licence permitting him or her todrive the two-wheeled motor vehicle under the laws of the country in which you are travelling (if such alicence is required under the laws of that country).Age LimitsResidencySports andActivitiesLaw andJurisdictionThis policy will be governed by English law and you and we agree to submit to the courts of England andWales to determine any dispute arising under or in connection with it, unless you reside in Scotland,Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and itscourts will have exclusive jurisdiction, unless agreed to the contrary by us before the start date of yourpolicy. The terms and conditions of this policy will only be available in English and all communicationrelating to this policy will be in English.Page 10,‘GeographicalAreas’ and Page14, GeneralExclusions,numbers 4,5 and13Page 9,‘Age Limits’Page 8,‘Residency’Pages 8 and 9,‘Sports andActivities’ andPage 14, GeneralExclusions,numbers 10 and17Page 7, 'Law andJurisdiction'Period of InsuranceCover for the cancellation benefit starts at the time you book the trip or pay the insurance premium, whichever is later. Cover for the cancellationbenefit ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in the United Kingdom (but notearlier than 24 hours before the booked departure time) or from the first day of the period of cover as shown on your certificate of insurance,whichever is the later.Cover ends when you return to your home address in the United Kingdom (but not later than 24 hours after your return to the United Kingdom) orat the end of the period of cover as shown on your certificate of insurance, whichever is earlier.Cover cannot start after you have left the United Kingdom. Each trip must begin and end in the United Kingdom. No cover is provided for one waytrips. The start and end dates of your trip are set out on your certificate of insurance.CancellationIf this cover is not suitable for you and you want to cancel your policy, the policyholder must contact the AIG Travel Customer Services Departmentwithin 14 days of buying your policy or the date you receive your policy documents.Provided you have not travelled and have not made a claim before you ask to cancel your policy we will refund the premium the policyholder haspaid within 30 days of the date you contact the AIG Travel Customer Services Department.To obtain a refund please phone 0333 300 0150, email etihaduk@aig.com or write to AIG Travel Customer Service Department, PO Box 2157,Shoreham by Sea, West Sussex BN43 5DH.Claim NotificationYou can make a claim by contacting:AIG Travel Claims, PO Box 45, Feltham, TW13 9EHPhone: 0330 123 3126 Fax: 01273 376 935 E-mail: uk.claims@aig.com5
Your Right to ComplainWe believe you deserve a courteous, fair and prompt service. If there is any occasion when our service does not meet your expectations pleasecontact us using the appropriate contact details below, providing the Policy/Claim Number and the name of the Policyholder/Insured Person tohelp us deal to with your comments quickly.Customer RelationsEtihad AIRWAYSP.O Box 2157Shoreham by SeaBN43 9DHPhone (claims): 0330 123 3126Phone (non-claims): 0333 300 0150E-mail: ukcustomerrelations@aig.comWe will acknowledge the complaint within 5 business days of receiving it, keep you informed of progress and do our best to resolve matters toyour satisfaction within 8 weeks. If we are unable to do this you may be entitled to refer the complaint to the Financial Ombudsman Service whowill review your case. We will provide full details of how to do this when we provide our final response letter addressing the issues raised.Please note: The Financial Ombudsman Service may not be able to consider a complaint if you have not provided us with the opportunity toresolve it previously. The Financial Ombudsman Service address is:The Financial Ombudsman ServiceExchange Tower, London, E14 9SRWebsite: www.financial-ombudsman.org.ukE-mail: complaint.info@financial-ombudsman.org.ukPhone: 0800 023 4567 (calls are normally free for people phoning from a fixed line) or 0300 123 9123 (calls are charged at the same rate as 01 or02 numbers on mobile tariffs)If you wish to complain about an insurance policy purchased online you may be able to use the European Commission’s Online Dispute Resolutionplatform, which can be found at the following address: http://ec.europa.eu/consumers/odr/.Following this complaint procedure does not affect your right to take legal action.Are we covered by the Financial Services Compensation Scheme (FSCS)?AIG Europe Limited is covered by the FSCS. If we are unable to meet our financial obligations you may be entitled to compensation from thescheme, depending on the type of insurance and the circumstances of the claim.Further information about compensation scheme arrangements is available at www.fscs.org.uk and on 0207 741 4100 or 0800 678 1100.6
POLICY WORDINGGENERAL INFORMATION ABOUT THIS INSURANCEInsurance providerThis insurance is provided by Etihad AIRWAYS P.J.S.C . EtihadAIRWAYS P.J.S.C address : New Airport Road, Khalifa City A, PO Box35566, Abu Dhabi, UAE.The insurance is underwritten by AIG Europe Limited. Etihad is anappointed representative of AIG Europe Limited.AIG Europe Limited is authorised by the Prudential RegulationAuthority and regulated by the Financial Conduct Authority and thePrudential Regulation Authority (FRN 202628). This can be checkedby visiting the FS Register (https://register.fca.org.uk/).AIG Europe Limited is registered in England: company number1486260. Registered address: The AIG Building, 58 Fenchurch Street,London EC3M 4AB.AIG Travel Europe Limited provides policy administration on behalfof AIG Europe Limited. AIG Travel Europe Limited is registered inEngland: company number 03960626. Registered address: The AIGBuilding, 58 Fenchurch Street, London EC3M 4AB.AIG Travel EMEA Limited provides claims handling and medicalassistance services on behalf of AIG Europe Limited. AIG TravelEMEA Limited is registered in England: company number 1728011.Registered address: Unit 21, Cecil Pashley Way, Shoreham Airport,Shoreham-by-Sea, West Sussex, BN43 5FF.AIG Travel is a trading name of AIG Travel EMEA Limited and AIGTravel Europe Limited.Your travel insuranceThis policy wording along with your certificate of insurance and anyappropriate endorsements forms the basis of your contract ofinsurance with us. Together, these documents explain and detailwhat you are covered for and what you are not covered for.Please read this policy wording to make sure that the cover meetsyour needs and please check the details outlined within yourcertificate of insurance and any applicable endorsements to makesure that the information shown is correct.Law and jurisdictionThis policy will be governed by English law and the policyholder,insured persons and we agree to submit to the courts of Englandand Wales to determine any dispute arising under or in connectionwith it, unless the relevant insured person resides in Scotland,Northern Ireland or the Isle of Man, in which case the law applicableto that jurisdiction will apply and its courts will have exclusivejurisdiction, unless agreed to the contrary by the policyholder andus before the commencement date.The terms and conditions of this policy will only be available inEnglish and all communication relating to this policy will be inEnglish.Financial Services Compensation Scheme (FSCS)AIG Europe Limited is covered by the FSCS. If we are unable to meetour financial obligations you may be entitled to compensation fromthe scheme, depending on the type of insurance and thecircumstances of the claim.Further information about compensation scheme arrangements isavailable at www.fscs.org.uk and on 0207 741 4100, or 0800 6781100.How we use personal informationWe are committed to protecting the privacy of customers, claimantsand other business contacts.“Personal Information” identifies and relates to you or otherindividuals (e.g. your dependants). By providing PersonalInformation you give permission for its use as described below. Ifyou provide Personal Information about another individual, youconfirm that you are authorised to provide it for use as describedbelow.The types of Personal Information we may collect and why depending on our relationship with you, Personal Informationcollected may include: identification and contact information,payment card and bank account, credit reference and scoringinformation, sensitive information about health or medicalcondition, and other Personal Information provided by you.Personal Information may be used for the following purposes: Insurance administration, e.g. communications, claimsprocessing and payment Decision-making on provision of insurance cover and paymentplan eligibility Assistance and advice on medical and travel matters Management and audit of our business operations Prevention, detection and investigation of crime, e.g. fraud andmoney laundering Establishment and defence of legal rights Legal and regulatory compliance, including compliance withlaws outside your country of residence Monitoring and recording of telephone calls for quality, trainingand security purposes Marketing, market research and analysisTo opt-out of marketing communications contact us by e-mail at:AIGDirect.Queries@aig.com or by writing to: Marketing PreferenceTeam, AIG Direct, Norfolk House, Wellesley Road, Croydon, CR0 1LH,United Kingdom. If you opt-out we may still send you otherimportant communications, e.g. communications relating toadministration of your insurance policy or claim.Sharing of Personal Information - for the above purposes PersonalInformation may be shared with our group companies, brokers andother distribution parties, insurers and reinsurers, credit referenceagencies, healthcare professionals and other service providers.Personal Information will be shared with other third parties(including government authorities) if required by law. PersonalInformation (including details of injuries) may be recorded on claimsregisters shared with other insurers. We are required to register allthird party claims for compensation relating to bodily injury toworkers’ compensation boards. We may search these registers todetect and prevent fraud or to validate your claims history or that ofany other person or property likely to be involved in the policy orclaim. Personal Information may be shared with prospectivepurchasers and purchasers, and transferred upon a sale of ourcompany or transfer of business assets.International transfer – due to the global nature of our businessPersonal Information may be transferred to parties located in othercountries, including the United States and other countries withdifferent data protection laws than in your country of residence.Security and retention of Personal Information - appropriate legaland security measures are used to protect Personal Information.Our service providers are also selected carefully and required to useappropriate protective measures. Personal Information will beretained for the period necessary to fulfil the purposes describedabove.7
Requests or questions - to request access or correct inaccuratePersonal Information, or to request the deletion or suppression ofPersonal Information, or object to its use, please e-mail:DataProtectionOfficer@aig.com or write to Data Protection Officer,AIG Europe Limited, The AIG Building, 58 Fenchurch Street, LondonEC3M 4AB. More details about our use of Personal Information canbe found in our full Privacy Policy at www.aigdirect.co.uk/privacypolicy or you may request a copy using the contact details above.Ifyou have any questionsIf you have any questions about the cover provided under this policyor you would like more information, please contact the AIG TravelCustomer Services Department by phoning 0333 300 0150 or by emailing etihaduk@aig.com.IMPORTANT THINGS YOU NEED TO KNOWBEFORE YOU TRAVELHealth conditionsThis policy contains conditions relating to your health. In particular,claims will not be covered where at the time of purchasing thisinsurance any insured person has suffered from or received anyform of medical advice or treatment or medication for any of thefollowing conditions: any heart or circulatory condition; or any respiratory condition; or any cancerous condition.In addition, claims will not be covered where at the time ofpurchasing this insurance you or any insured person has sufferedfrom any of the following: you have a medical condition for which you are takingprescribed medication; or you have been referred to or seen by a medical specialist orneeded inpatient treatment within the last 12 months.Failure to declare a medical condition will result in claims relating tothe undisclosed condition not being covered. Please refer to Generalexclusion number 1 on page 13 for further information.Health of your relatives, travelling companions insuredelsewhere and business associatesThis policy will not provide cover for claims under Section A(Cancelling your trip) or Section C (Cutting your trip short) arisingfrom any medical condition you knew about at the time ofpurchasing this insurance and that affects a relative, businessassociate, a person who you have booked to travel with or arelative or friend living abroad who you had planned to stay with ifduring the three months before you purchased this policy, they: have been diagnosed with a new medical condition for whichthey need to take prescribed medication; have been referred to or seen by a medical specialist or neededinpatient treatment; are receiving or waiting for medical investigation or treatmentfor any undiagnosed condition or set of symptoms; or have been given a terminal prognosis.Changes to your health after purchasing your policyIf after the policyholder has paid the insurance premium you arediagnosed with a heart condition, a circulatory condition, arespiratory condition, cancer or for any other medical condition youreceive inpatient medical treatment or are placed on a waiting listfor investigation or medical treatment, you do not have a duty todisclose details of your change in circumstances to us before yourtrip.Provided you were not aware of the medical condition and youwere not aware you would need to receive medical treatment orundergo investigations at the date the policyholder paid theinsurance premium, cover will continue under the existing terms ofthe policy. However, if you are no longer able to travel on yourforthcoming trip due to your change in circumstances, you would beentitled to make a claim under Section A (Cancelling your trip) foryour costs which cannot be recovered from elsewhere.Failure to declare a medical condition will result in claims relating tothe undisclosed condition not being covered. Please refer to Generalexclusion number 1 on page 13 for further information.Health agreementsIf you are travelling to a country in the European Union, you shouldtake a European Health Insurance Card (EHIC) with you. Applicationforms to obtain an EHIC are available from your local post office oryou can download an application form from the following website:www.ehic.org.uk. This entitles European citizens to benefit from thehealth agreements which exist between countries in the EuropeanUnion.If you are travelling to Australia or New Zealand and you needmedical treatment, you should enrol with Medicare or theequivalent scheme of these countries. Further information isavailable from the following website: www.hic.gov.au.If you present your EHIC to the treating doctor or hospital if youneed medical treatment within the European Union or you enrolwith Medicare when travelling to Australia or New Zealand, this willsave you paying the policy excess under Section B1 (Emergencymedical and other expenses outside of the United Kingdom) if yourmedical costs are reduced as a result of using your EHIC or Medicarebeing involved.ResidencyThis policy offers coverage only to individuals ordinarily resident inthe United Kingdom and is not available to non-residents of theUnited Kingdom.You and all other insured persons on this policy must have yourmain home in the United Kingdom and have a United KingdomNational Insurance number (if aged 16 years of age or over) and beregistered with a doctor in the United Kingdom at the time you buythis policy.Residents of the Channel Islands and the Isle of Man must havetheir main home in the Channel Islands or Isle of Man respectivelyand be registered with a local doctor.Travel delays - EC RegulationsThis policy is not designed to cover costs which are met under theEC Regulation No. 261/2004. Under this Regulation if you have aconfirmed reservation on a flight, and that flight is delayed bybetween 2 and 4 hours (length of time depends on the length ofyour flight) the airline should offer you meals, refreshments andhotel accommodation. If the delay is more than 5 hours, the airlineshould offer to refund your ticket. The Regulations should apply toall flights, whether budget, chartered or scheduled, originating inthe EU, or flying into th
ETIHAD TRAVEL INSURANCE POLICY DOCUMENTATION . INDEX . Introduction and table of benefits page 2 Page 2 Introduction Page 2 Table of benefits Policy summary pages 3 to 6 Policy wording pages 7 to 21 Page 7 General information about this insurance Page 8 Important things you need to know before you travel Page 9 Cancellations and refunds
