TopDog Travel Insurance

7/31/2019 TopDog Travel Insurance

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CONTENTSs.

Page

Summary of cover 3-6

Important information 7

Definition of words 8-10

24-hour emergency medical assistance 11

Health declaration and health exclusions 11-12

General exclusions 12-13

Conditions 13-14

Making a claim 14-15

Making a complaint 16

Cancellation or curtailment charges Section 1 16-17

Emergency medical and associated expenses Section 2 17-18

Loss of passport Section 3 19

Delayed Departure Section 4 19

Hijack & Kidnap Section 5 19-20

Personal possessions Section 6 20-21

Delayed personal possessions Section 7 21

Personal money Section 8 21Personal accident Section 9 22

Missed departure Section 10 22-23

Travel disruption Section 11 23

Personal liability Section 12 23-24

Imprisonment abroad Section 13 24

Legal expenses Section 14 24-25

Winter sports cover Section 15 25-26

Important Telephone numbers 27

2011-2012

YourTravel Insurance

Policy


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STANDARD Cover Limit (up to) Excess Page

Section 1 - Cancellation or curtailment 1,250 200 17-18

* Excursions 150 200* Loss of deposit 100

Section 2 - Emergency medical 10,000,000 200 18-19* In patient benefit 500 (25 per day) Nil* Funeral expenses 2,500 200* Emergency dental 250 200

* Excursions 150 200* Cover within your home country 1,000 200

Section 3 - Loss of passport 300 200 20

Section 4 - Delayed departure 20

*(20 first 12 hours, 10 each extra 12 hours) n/a n/a* Abandonment n/a n/a

Section 5 - Hijack & kidnap 20-21

*(50 first 24 hours, 50 each extra 24 hours) n/a n/a

Section 6 - Personal possessions 1,000 200 21-22

* Valuables 300 200* Single article, pair or set 200 200* Tobacco, alcohol, fragrances and perfumes 50 200* Possessions lost,damaged or stolen from a

beach or pool-side 100 200* Sunglasses or prescription glasses 150 200

Section 7 - Delayed personal possessions n/a n/a 22* more than 12 hours but less than 48 hours n/a n/a

Section 8 - Personal money 300 200 22* Cash 200 200* if you are less than 18 years old 50 200

Section 9 - Personal accident 5,000 Nil 23* Death 5,000 Nil* Permanent loss 5,000 Nil

* Physical disablement 5,000 Nil* if you are less than 18 years old 1,000 Nil

Section 10 - Missed departure n/a n/a 23-24

Section 11 - Travel disruption n/a n/a 24

Section 12 - Personal liability 2,000,000 200 24-25

Section 13 - Imprisonment abroad 25

* Economy class air ticket n/a n/a* Accommodation costs n/a n/a

Section 14 - Legal expenses 5,000 Nil 25-26* In total for all insured persons 10,000 Nil

Optional Winter sports 26-27

Section 15 - Ski pack 500 200Section 15 - Ski equipment 500 200Section 15 - * Single article limit 200 200

Section 15 - Piste closureSection 15 - * Extra transport or lift passes to ski at another

resort 200 (20 per day) Nil* If no other resort is available 150 (30 per day) Nil

PREMIER Cover Limit (up to) Excess Page


* Excursions 150 50

* Loss of deposit 25

Section 2 - Emergency medical 10,000,000 50 18-19

* In patient benefit 500 (25 per day) Nil

* Funeral expenses 2,500 50

* Emergency dental 250 50

* Excursions 150 50

* Cover within your home country 1,000 50



*(20 first 12 hours, 10 each extra 12 hours) 300 Nil

* Abandonment 1,000 50



Section 6 - Personal possessions 1,500 50 21-22

* Valuables 300 50

* Single article, pair or set 200 50

* Tobacco, alcohol, fragrances and perfumes 50 50

* Possessions lost,damaged or stolen from a

beach or pool-side 100 50

* Sunglasses or prescription glasses 150 50

Section 7 - Delayed personal possessions 100 Nil 22* more than 12 hours but less than 48 hours 50 Nil

Section 8 - Personal money 500 50 22

* Cash 200 50

* if you are less than 18 years old 50 50

Section 9 - Personal accident 10,000 Nil 23

* Death 10,000 Nil

* Permanent loss 10,000 Nil

* Physical disablement 10,000 Nil

* if you are less than 18 years old 1,000 Nil

Section 10 - Missed departure 500 Nil 23-24

Section 11 - Travel disruption 500 Nil 24



* Economy class air ticket n/a n/a

* Accommodation costs n/a n/a



Section 15 - Ski pack 500 50

Section 15 - Ski equipment 500 50Section 15 - * Single article limit 200 50

Section 15 - Piste closure

Section 15 - * Extra transport or lift passes to ski at another

resort 200 (20 per day) Nil

* If no other resort is available 150 (30 per day) Nil

SUMMARY OF COVER

The following is only a summary of the main cover limits. You should read the rest of this policy forthe full terms and conditions.

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The above benefits are the maximum payable after the deduction of the relevant excess.Note: Some sections of cover also have extra sub limits, for example the personal possessions section hasa single article and valuables limit.

The above benefits are the maximum payable after the deduction of the relevant excess.Note: Some sections of cover also have extra sub limits, for example the personal possessions section has

a single article and valuables limit.


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GAP YEAR Cover Limit (up to) Excess Page


* Excursions 150 200

* Loss of deposit 25

Section 2 - Emergency medical 10,000,000 200 18-19

* In patient benefit 500 (25 per day) Nil

* Funeral expenses 2,500 Nil

* Emergency dental 250 Nil

* Excursions 150 Nil

* Cover within your home country 1,000 Nil





*(50 first 24 hours, 50 each extra 24 hours) 5,000 Nil

Section 6 - Personal possessions (Optional) 1,000 200 21-22

* Valuables 300 200

* Single article, pair or set 200 200

* Tobacco, alcohol, fragrannces and perfumes 50 200

* Possessions lost,damaged or stolen from a

beach or pool-side 100 200

* Sunglasses or prescription glasses 150 200

Section 7 - Delayed personal possessions n/a n/a 22

* more than 12 hours but less than 48 hours n/a n/a

Section 8 - Personal money 300 200 22

* Cash 200 200

* if you are less than 18 years old 50 200Section 9 - Personal accident 5,000 Nil 23

* Death 5,000 Nil

* Permanent loss 5,000 Nil

* Physical disablement 5,000 Nil

* if you are less than 18 years old 1,000 Nil


Section 11 - Travel disruption n/a n/a 24



* Economy class air ticket 350 n/a

* Accommodation costs 150 (50 per day) n/a



Section 15 - Ski pack 500 200

Section 15 - Ski equipment 500 200Section 15 - * Single article limit 200 200

Section 15 - Piste closure

Section 15 - * Extra transport or lift passes to ski at another

resort 200 (20 per day) Nil

* If no other resort is available 150 (30 per day) Nil


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ECONOMY Cover Limit (up to) Excess Page

Section 1 - Cancellation or curtailment 750 300 17-18

* Excursions 150 300* Loss of deposit 100

Section 2 - Emergency medical 10,000,000 300 18-19* In patient benefit 250 (25 per day) Nil* Funeral expenses 2,500 300* Emergency dental 250 300

* Excursions 150 300* Cover within your home country 1,000 300






Section 6 - Personal possessions 750 300 21-22

* Valuables 200 300* Single article, pair or set 100 300* Tobacco, alcohol, etc 50 300* Possessions lost,damaged or stolen from a

beach or pool-side 100 300* Sunglasses or prescription glasses n/a n/a

Section 7 - Delayed personal possessions n/a n/a 22* more than 12 hours but less than 48 hours n/a n/a

Section 8 - Personal money 300 300 22* Cash 200 300* if you are less than 18 years old 50 300

Section 9 - Personal accident 5,000 Nil 23* Death 5,000 Nil* Permanent loss 5,000 Nil

* Physical disablement 5,000 Nil* if you are less than 18 years old 1,000 Nil


Section 11 - Travel disruption n/a Nil 24



* Economy class air ticket n/a n/a* Accommodation costs n/a n/a



Section 15 - Ski pack 500 300Section 15 - Ski equipment 500 300Section 15 - * Single article limit 200 300

Section 15 - Piste closureSection 15 - * Extra transport or lift passes to ski at another

resort 200 (20 per day) Nil* If no other resort is available 150 (30 per day) Nil



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DEFINITION OF WORDS

When the following words and phrases appear in the policy document or policy schedule, theyhave the meanings given below. These words are highlighted by the use of bold print.

Accident

An unexpected event caused by something external and visible, which results in physical bodilyinjury, leading to total and permanent loss of sight, total and permanent loss of use of a limb orpermanent disablement or death, within a year of the incident.

Appointed adviserThe solicitor or appropriately qualified person, firm or company, including us, who is chosen toact for you in your claim for compensation.

Area of coverYou will not be covered if you travel outside the area you have chosen as shown on your policyschedule.

United KingdomGreat Britain, Northern Ireland and the Isle of Man.

EuropeAlbania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria,Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt,Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including GreekIslands), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia & Sicily), Latvia,Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro,Morocco, Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland, Portugal(including Azores & Madeira), Romania, Russia (European), San Marino, Serbia (including Kosovo),Slovakia, Slovenia, Spain (including Balearic and Canary Islands), Sweden, Switzerland, Tunisia,Turkey, Ukraine, United Kingdom and Vatican City.

Worldwide excluding USA, Canada & the CaribbeanWorldwide, excluding United States of America, Canada and all islands in the Caribbean Sea andthe Bahamas.

Worldwide including USA, Canada & the CaribbeanAll countries worldwide.

Business associateAny person in your home country that you work closely with, whose absence from work meansthat the director of your business needs you to cancel or curtail your journey.

Channel IslandsJersey, Guernsey, Sark, Alderney and Herm.

CoupleFor annual multi-trip cover, two adults who have been permanently living together at the sameaddress for more than six months.

DoctorA legally qualified doctor holding the necessary certification in the country in which they arecurrently practicing, other than you or a relative.

Departure pointThe international airport, international train station or port where your outwardjourney to yourdestination begins, and where your finaljourney backhome begins (including any connectingtransport you take later).

Excess

The deduction we will make from the amount otherwise payable under this policy for eachperson insured, for each section, for each claim incident. For example a couple that both havepersonal possessions stolen from their bag and both incur a medical expense during the same

journey, will have a total of four excesses deducted. Two of these will be for the two claims underSection 6 (possessions) and two of these will be for the two claims under section 2 (medical).

FamilyTwo adults and all of their children (including foster children) aged 17 and under if in full timeeducation. All persons must live at the same address. Each adult can travel independently,however, all insured children must travel with at least one of the insured adults.

Hazardous activityThe following activities are automatically covered:

badminton, banana boating, cricket, cycling, deep sea fishing, fell walking, glacier walking,golf, hiking, horse riding (not competitions, show jumping, hunting, eventing, polo or rodeo),hot air ballooning (organised pleasure rides only), jet skiing, marathon running, mountainbiking, netball, orienteering, parascending over water, ringos, running, safari trekking in avehicle (must be an organised tour), scuba diving to a depth of 30 metres (if you hold acertificate of proficiency or you are diving with a qualified instructor), snorkelling, surfing,

swimming, swimming with dolphins / elephants, trekking, volleyball, wakeboarding, walking,water skiing, windsurfing, zip lining (safety harness must be worn) and zorbing.

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IMPORTANT INFORMATION

Thank you for taking out TopDog Insurance Travel Insurance with us.

Your policy schedule shows the sections of the policy you have chosen, the people who arecovered and any special terms or conditions that may apply.

Your policy does not cover everything. You should read this policy carefully to make sure itprovides the cover you need. If there is anything you do not understand, you should callTopDog Insurance Travel Insurance on 0845 618 0379 or write to us at 109 Elmers End Road,Beckenham, Kent, BR3 4SY.

InsurerTopDog Insurance Travel Insurance is underwritten by Mapfre Asistencia Compania Internacional deSeguros y Reaseguros Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HSCompany number: FC021974. Branch Number BR008042. Trading under the name Mapfre Assistance.

Mapfre Asistencia are authorised by Direccion General de Seguros and subject to limited regulation by

the Financial Services Authority. Details about the extent of our regulation by the Financial ServicesAuthority are available from us on request.

How your policy worksYour policy and policy schedule is a contract between you and us. We will pay for any claim you makewhich is covered by this policy and happens during the period of insurance. Unless specificallymentioned the benefits and exclusions within each section apply to each person insured. Your policydoes not cover all possible events and expenses.

Certain words have a special meaning as shown under the heading Definition of words. These wordshave been highlighted by the use of bold print throughout the policy document.

Telling us about relevant factsBefore you travel you must tell us about anything that may affect your cover. If you are not surewhether something is relevant, you must tell us anyway. You should keep a record of any extrainformation you give us. If you do not tell us about something that may be relevant, your cover may berefused and we may not cover any related claims.

Cancellation rightsIf your cover does not meet your requirements, please notify TopDog Insurance within 14 days ofreceiving your policy schedule and return all your documents for a refund of your premium.

You must contact TopDog Insurance on 0845 618 0379 within your home country, +44 845 618 0379outside of your home country or [email protected].

If during this 14 day period you have travelled, made a claim or intend to make a claim then we canrecover all costs that you have used for those services.

Please note that your cancellation rights are no longer valid after this initial 14 day period.

Policy excessUnder some sections of your policy, you will have to pay an excess. This means that you will beresponsible for paying the first part of the claim for each person insured, for each section, for eachincident. The amount you have to pay is the excess.

Data protectionInformation about your policy may be shared between Citybond Holdings plc and Mapfre Assistance forunderwriting purposes.

You should understand that the sensitive health and other information you provide will be used by us,our representatives (if appropriate), the insurer, other insurers and industry governing bodies andregulators to process your insurance, handle claims and prevent fraud. This may involve transferringinformation to other countries (some of which may have limited or no data protection laws). We havetaken steps to ensure your information is held securely.

Financial Services Compensation Scheme (FSCS)For your added protection, the insurer is covered by the UK FSCS. You may be entitled tocompensation from the scheme if the insurer cannot meet its obligations. This depends on the type ofbusiness and the circumstances of the claim.

Insurance cover provides protection for 90% of the claim, without any upper limit.

Further information about the compensation scheme arrangements is available from the FSCS,telephone number UK +44 20 7892 7300, or by visiting their website at www.fscs.org.uk.

Governing lawUnless agreed otherwise, English law will apply and all communications and documentation in relationto this policy will be in English. In the event of a dispute concerning this policy the English courts shallhave exclusive jurisdiction.

Contracts (Rights of Third Parties) Act 1999We, the insurer and you do not intend any term of this contract to be enforceable by any third partypursuant to the Contracts (Rights of Third Parties) Act 1999.

Renewal of your insurance coverIf you have annual multi-trip cover, Citybond Holdings plc will send you a renewal notice prior to theexpiry of the period of insurance as shown on your policy schedule.

The terms of your cover and the premium rates may be varied by us at the renewal date. CitybondHoldings plc will give you at least 21 days written notice before the renewal date should this happen.


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For single trip, gap year and annual multi-trip cover

All cover ends on the expiry date shown on your policy schedule, unless you cannot finish yourjourney as planned because of death, injury or illness or there is a delay to the public transportsystem that cannot be avoided. In these circumstances we will extend cover free of charge untilyou can reasonably finish thatjourney.

Personal money

Cash, cheques, postal and money orders, current postage stamps, travellers cheques, couponsor vouchers which have a monetary value, admission tickets and travel tickets, all held for privateand not business purposes.

Personal possessions

Each of your suitcases, trunks and similar containers (including their contents) and articles wornor carried by you (including your valuables and passport).

Pre-existing medical condition

Any serious or recurring medical condition which has been previously diagnosed, investigated or

treated in any way, at any time prior to travel, even if this condition is currently considered to bestable and under control.

Redundancy

Loss of permanent paid employment (except voluntary redundancy), after a continuous workingperiod of two years with the same employer if you are aged 18 and over or 65 and under.

Relative

Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife,husband, son (in-law), daughter (in-law), step child, foster child, grandparent, grandchild, partner(including common law and civil partnerships) or fianc(e).

Resident

A person who has their main home in the UK, the Channel Islands or the Isle of Man and hasnot spent more than six months abroad during the year before the policy was issued andregistered with a doctor in the UK, the Channel Islands or the Isle of Man.

Single parent family

One adult and all of their children (including foster children) aged 17 and under if in full timeeducation. All persons must live at the same address. The adult can travel independently,however, all insured children must travel with the insured adult.

Ski equipment

This consists of skis, poles, boots, bindings, snowboards or ice skates.

Ski pack

Hired ski equipment, ski school fees and lift passes.

Stopover

Clients purchasing policies for Worldwide (excluding USA) area are able to stopover in Worldwide(including USA) area for a limited period of 24 hours, applicable to both the outward and return

journey.

Travelling companion

Any person that has booked to travel with you on your journey.

United Kingdom (UK)

England, Scotland, Wales and Northern Ireland.

Valuables

Jewellery, watches, items made of or containing precious metals or semi/precious stones, furs,binoculars, telescopes, computer games, any kind of photographic, audio, video, computer,television, MP3 players, PDAs, electronic games, TVs and all data storage media (e.g. cds, dvds

and so on).We, our, us

Mapfre Assistance, 5th Floor, Alpha House, 24a Lime Street, London, EC3M 7HS.

Winter sports

The following activities are covered if you have paid the appropriate additional premium forwinter sports cover, and you are 65 years of age or under:

Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing,sledging, snow blading and tobogganing.

Off piste skiing is covered when you are skiing within the ski area boundaries of a recognisedski resort and following ski patrol guidelines.

There is no cover for:

Bobsleighing, heli skiing, luging, ski acrobatics, ski flying, ski jumping, ski racing, ski stuntingor snow cat skiing.

We may be able to cover you for other activities that are not listed. Please contact TopDogInsurance Travel Insurance on 0845 618 0379. An extra premium may need to be paid.

You, your, person insured

Each person shown on the policy schedule, for whom the appropriate insurance premium hasbeen paid.

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There is no cover for:

any recreational activity over 3,000 metres.

any professional sporting activity; or

any kind of racing except racing on foot; or

any kind of manual work.

Wemay be able to coveryoufor other activities that are not listed. Please call TopDog InsuranceTravel Insurance on0845 618 0379. Terms and conditions may apply.

HomeYour usual place of residence in the UK, the Channel Islands or the Isle of Man.

JourneyA trip that takes place during the period of cover which begins when you leave home and endswhen you get backhome or to a hospital or nursing home in your home country, whichever isearlier.

For single trip cover

- you will only be covered if you are aged 75 years or under at the date your policy wasissued.

- any other trip which begins after you get back is not covered.

- a trip which is booked to last longer than 31 days is not covered.

- if you have purchased Worldwide excluding USA, Canada and the Caribbean cover, you arecovered for a stopover.

For annual multi-trip cover

- you will only be covered if you are aged 75 or under at the start date of your policy.

- a trip which is booked to last longer than 31 days is not covered, unless we agree otherwisein writing.

- trips within your home country must be for at least 3 nights and have:

i - pre-booked transport or accommodation;

or

ii - be more than 25 miles from your home (unless it involves a sea crossing).

- if you have purchased Worldwide excluding USA, Canada and the Caribbean cover, you arecovered for a stopover.

- Winter sports cover may be included up to 17 days during the period of insurance, for eachperson aged up to and including 65 years of age, upon payment of the appropriate additionalpremium.

For gap year cover

you will only be covered if you are 45 years or under at the date your policy was issued.

any other trip which begins after you get back is not covered.

a trip which is booked to last longer than 18 months is not covered.

this cover allows you to return to your home country for short term visits of up to two weeks,as long as they are not subject to a claim. Cover is temporarily suspended for the duration ofthese visits.

Legal actionWork carried out to support a claim that we have agreed to. This includes settlementnegotiations, hearings in a civil court, arbitration and any appeals resulting from such hearingsother than an application by you:

to the European Court of Justice, European Court of Human Rights or similar Internationalbody; or

to enforce a judgment or legally binding decision.

Legal costsFees, costs and expenses (including Value Added Tax or equivalent local goods and services tax)which we agree to pay for you in connection with legal action. Also, any costs which you areordered to pay by a court or arbitrator (other than damages, fines and penalties) or any othercosts we agree to pay.

Pair or set

A number of items of personal possessions (not including ski equipment) that belong togetheror can be used together.

Period of Insurance For single trip and gap year cover

Cancellation cover begins from the issue date shown on your policy schedule and ends at thebeginning of your journey. The cover for all other sections starts at the beginning of your

journey and finishes at the end of your journey.

For annual multi-trip cover

Cancellation cover begins on the start date shown on your policy schedule or the date youbooked your journey, whichever is the later and ends at the beginning of your journey. Thecover for all other sections starts at the beginning of your journey and finishes at the end ofyour journey.


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b. have ever been diagnosed with or treated for any of the following:

i. any heart condition;

ii. any circulatory condition (problems with blood flow, including strokes, high bloodpressure, and cholesterol);

iii. any psychological condition (including depression and anxiety);

c. are waiting for an operation, any other hospital treatment, or any medical investigations,tests, or results;

d. are waiting for a consultation with a hospital doctor (other than your GP) for any pre-existing medical condition or symptoms, other than for regular check-ups for a stablecondition;

e. have been given a terminal prognosis by a doctor.

2. If we are unable to cover a pre-existing medical condition, this will mean that you and any

other person insured by us will not be covered for any directly related claims arising from thecondition.

3. We will not pay any directly related claims if at any time you:

a. travel against the advice of a doctor or where you would have been advised against travelif you had sought their advice before beginning of your journey;

b. incur costs for medical treatment or consultation at any medical facility during your journeythat you knew would be required before travelling;

c. are travelling specifically for the purpose of obtaining and / or receiving any elective surgery,procedure or hospital treatment;

d. are not taking the recommended treatment or prescribed medication as directed by adoctor;

e. travel against health requirements stipulated by the carrier, their handling agents or anyother public transport provider.

Important limitations Cancelling and cutting short your holiday

This policy will not cover any claims for cancellation or curtailment charges that result directlyfrom any pre-existing medical condition you knew about before the policy started, and thataffects:

a relative who is not travelling and is not insured under this policy;

someone travelling with you who is not insured under this policy; or

a person you plan to stay with on your journey.

You will not be covered if during the 90 days before this policy started, they:

needed surgery, inpatient treatment or hospital consultations;

needed any treatment or prescribed medication; or

were on a waiting list for, or knew they needed surgery, inpatient treatment or tests at anyhospital or clinic when this policy started; or

had been diagnosed with a terminal condition (that will cause their death) before this policystarted.

You should also refer to the General exclusions on pages 12 & 13.

GENERAL EXCLUSIONS

The following exclusions apply to the whole of your policy:

We will not cover you for any claim arising from, or relating to, the following:

1. A relevant fact that you knew about before you travelled, unless we agreed to it in writing.

2. War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civilcommotion, rebellion, revolution, insurrection, military force, coup detat, terrorism, weaponsof mass destruction.

3. Any epidemic or pandemic.

4. You not following any advice or recommendation made by the Foreign and CommonwealthOffice, World Health Organisation or any government or other official authority. This includeswhere certain vaccinations or other preventative measures (such as malaria tablets) arerecommended.

5. Your property being held, taken, destroyed or damaged under the order of any government

or customs officials.

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24-HOUR EMERGENCY MEDICAL ASSISTANCE

Please tell us immediately about any serious illness or accident abroad where you have to gointo hospital or you may have to return home early or extend your stay because of any illnessor injury. If you are unable to do this because the condition is life, limb, sight or organthreatening, you should contact us as soon as you can. You must also tell us if your medicalexpenses are over 250. If you are claiming for a minor illness or accident you should, wherepossible, pay the costs and reclaim the money from us when you return. You can call 24 hoursa day 365 days a year.

From outside your home country phone +44 20 7748 0670

From within your home country phone 020 7748 0670

Please give us your age and your policy number. Say that you are insured with TopDogInsurance Travel Insurance. Below are some of the ways the 24-hour emergency medicalassistance service can help.

Confirmation of payment

We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you havea valid claim.

Repatriation

If our medical advisers think it would be in your medical interests to bring you back toyour home or to a hospital or nursing home in your home country, you will normally betransferred by regular airline or road ambulance. Where medically necessary in very serious orurgent cases, we will use an air ambulance. We will consult the treating doctor and ourmedical advisers first. If you need to go home early, the treating doctor must provide acertificate confirming that you are fit to travel. Without this the airline can refuse to carry anysick or injured person.

You can contact us at any time day or night. You will be answered by one of our experiencedassistance co-ordinators who you should give all relevant information to. Please make sure youhave details of your policy before you phone.

Reciprocal health arrangements

European Health Insurance Card (EHIC) the replacement for the E111

The EHIC enti tles you to reduced cost, sometimes free, medical treatment that becomesnecessary while you are in a European Economic Area (EEA) country or Switzerland.The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein andNorway.

The card gives access to state provided medical treatment only. Remember, this might notcover all the things you would expect to get free of charge from the NHS in the UK. You mayhave to make a contribution to the cost of your care.

You may apply for an EHIC online at www.dh.gov.uk/travellers or by calling 0845 6062030. Application forms are also available from the Post Office.

Australia

If you are travelling to Australia you can enrol in Medicare which will entitle you tosubsidised hospital treatments and medicines. You can do this by contacting a local Medicareoffice in Australia.

All claims for refunds under the Medicare scheme must be made before you leave Australia.For more information on Medicare visit: www.medicareaustralia.gov.au or email:[email protected] .

If you make use of these arrangements or any other worldwide reciprocal health arrangementwhich reduces your medical expenses, you will not have to pay an excess.

HEALTH DECLARATION AND HEALTH EXCLUSIONS

These apply to the Cancellation or curtailment charges, Emergency medical and associatedexpenses and Personal accident sections.

It is very important that you read and understand the following.

1. We will not pay any directly related claims if at the time of taking out this insurance or whenbooking ajourney under an annual multi trip policy you:

a. have been prescribed medication, received treatment or had a consultation with a doctor or

hospital specialist for any pre-existing medical condition in the past 2 years;


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We have the right to do the following

1. Cancel the policy if you do not tell us about a relevant fact or if you tell us something that isnot true, which influences our decision as to whether cover can be offered or not.

2. Cancel the policy and make no payment if you make a fraudulent claim. We may in theseinstances report the matter to the police.

3. Only cover you for the whole of your journey and not issue a policy if you have started yourjourney.

4. Take over and deal with, in your name, any claim you make under this policy.

5. Take legal action in your name (but at our expense) and askyou to give us details and fill inany forms (including Department for Work and Pensions forms), which will help us to recoverany payment we have made under this policy.

6. With you or your Personal Representatives permission, get information from your medicalrecords to help us or our representatives deal with any claim. This could include a request foryou to be medically examined or for a post mortem to be carried out in the event of your

death. We will not give personal information about you to any other organisation without yourspecific agreement.

7. Send you home at any time during your journey if you are taken ill or injured. We will onlydo this if the doctor treating you and our medical advisers agree. If there is a dispute, we willask for an independent medical opinion.

8. Not accept liability for costs incurred for repatriation or treatment if you refuse to follow advicefrom the treating doctor and our medical advisers.

9. Only refund or transfer your premium if you decide that the policy does not meet your needsand you have contacted us within 14 days from the date you receive your policy and policyschedule. We can recover all costs that you have used if you have travelled or made a claimor intend to make a claim.

10. Not to pay any claim on this policy (except under the Personal accident section) for any amountscovered by another insurance. In these circumstances we will only pay our share of the claim.

11. I f you cancel or cut short your journey:

All cover provided on your single trip policy will be cancelled without refunding your premium.

All cover provided on your annual multi-trip policy for that journey will be cancelledwithout refunding your premium.

12. Askyou to pay us back any amounts that we have paid to you which are not covered by thispolicy.

MAKING A CLAIM

To obtain a claim form:

Phone 020 7748 0669.

Write to: TopDog Insurance travel insurance claims department, Maitland House, Warrior Square,Southend-on-Sea, Essex, SS1 2JY.

You should fill in the form and send it to us as soon as possible with all the information anddocuments we ask for. It is essential that you provide us with as much detail as possible to enableus to handle your claim quickly. Please keep photocopies of all information you send us.

You will need to obtain some information about your claim while you are away. Below is a list ofthe documents we will need in order to deal with your claim.

For all claims

Your originaljourney booking invoice(s) and travel documents showing the dates and times oftravel.

Original receipts and accounts for all out-of-pocket expenses you have to pay.

Original bills or invoices you are asked to pay.

Details of any other insurance you may have that may cover the same loss, such as householdor private medical.

As much evidence as possible to support your claim.

Cancellation or curtailment

If you need to curtail your journey call within your home country 020 7748 0670, outsideyour home country +44 20 7748 0670 immediately to get our prior agreement.

Original cancellation invoice(s) detailing all cancellation charges incurred.

For claims relating to illness or injury a medical certificate will need to be completed by thetreating doctor. A certified copy of the death certificate is required in the event of death.

If your claim results from any other circumstances, please provide evidence of thesecircumstances.

Medical expenses

Always contact our 24-hour emergency medical service when you are hospitalised, requirerepatriation or where medical fees are likely to exceed 250.

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6. Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or anyrisk from nuclear equipment.

7. Any currency exchange rate changes.

8. The failure or fear of failure or inability of any equipment or any computer program,whether or not you own it, to recognise or to correctly interpret or process any date as thetrue or correct date, or to continue to function correctly beyond that date (except under theEmergency medical and associated expenses and Personal accident sections).

9. You acting in an illegal or malicious way.

10. You acting in a fraudulent manner.

11. Any loss caused as a direct or indirect result of anything you are claiming for, for examplephone call, meals, taxi fares, loss of earnings, unless it says different ly in the policy.

12. You climbing on top of, or jumping from a vehicle or jumping from a building or balcony, orclimbing or moving from any external part of any building to another (apart from stairs,

ramps or walkways) and falling regardless of the height, unless your life is in danger oryou are attempting to save human life.

13. You drinking too much alcohol, or any form of alcohol abuse, where it is reasonablyforeseeable that such consumption could result in a serious impairment of your facultiesand/or judgement resulting in a claim. We do not expect you to avoid alcohol on your tripsor holidays but we will not cover any claims arising because you have drunk so muchalcohol that your judgement is seriously affected and you need to make a claim as aresult.

14. Your wilfully self-inflicted injury or illness, suicide or attempted suicide, sexuallytransmitted diseases, solvent abuse, drug use (other than drugs taken in accordance withtreatment prescribed and directed by a medical practitioner, but not for the treatment ofdrug ddiction), and putting yourself at needless risk (except in an attempt to save humanlife).

15. Your participation in or practice of any other sport or hazardous activity, manual work orracing unless:

a. specified in the list on page 9 or

b. shown as covered in your schedule.16. Your participation in winter sports unless the appropriate winter sports premium has

been paid, and you are under the age of 66 prior to the commencement of the period ofinsurance in which case cover will apply under those sections shown as covered forwinter sports in your schedule for:

a. the winter sports specified in the list on page 11 and

b. any other winter sports shown as covered in your schedule for a period of no morethan 17 days in total in each period of insurance under annual multi trip policies, forthe period of thejourney under single trip policies, and for the period specified on theschedule for gap year policies.

CONDITIONS

The following conditions apply to the whole of your policy. Please read these carefully as we canonly pay your claim if you meet these:

1. You are a resident of the UK, the Channel Islands or the Isle of Man.

2. You take reasonable care to protect yourself and your property against accident, injury, lossand damage and act as if you are not insured and to minimise any potential claim.

3. You have a valid policy schedule.

4. You accept that we will not extend the period of insurance:

for single trip cover if the original policy plus any extensions have either ended, been inforce for longer than 31 days or you know you will be making a claim.

for annual multi-trip cover beyond the expiry of your policy

for gap year cover if the original policy plus any extensions have either ended, been in forcefor longer than 18 months or you know you will be making a claim.

5. You contact us as soon as possible with full details of anything which may result in a claim andgive us all the information we ask for. Please see section Making a claim on page 15-16 formore information.

6. You accept that no alterations to the terms and conditions of the policy apply, unless weconfirm them in writing to you.

7. You are not aged:

76 years or over at the date your policy was issued if you are a single trip or annual multi-trip policyholder.

46 years or over at the date your policy was issued if you are a gap year policyholder.


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MAKING A COMPLAINT

We aim to provide you with a first class policy and service. However, there may be times whenyou feel we have not done so. If this is the case, please tell us about it so that we can do ourbest to solve the problem. If you make a complaint your legal rights will not be affected.

If You have a complaint regarding the service provided by TopDog Insurance, pleasecontact them on 0845 618 0379 within your home country, +44 845 618 0379 outside of yourhome country or [email protected]

If You have a complaint regarding Claims or Emergency Medical Assistance matters, please write to:

The Customer Relations ManagerFlexicover Direct Claims DepartmentMaitland HouseWarrior SquareSouthend-on-SeaEssexSS1 2JY.Phone: 020 7748 0669

Please supply us with your name, address, policy number and claim number where applicableand enclose copies of relevant correspondence as this will help us to deal with your complaint, inthe shortest possible time.

If you are not satisfied with our final response you can refer the matter to the UK FinancialOmbudsman Service for independent arbitration.

CANCELLATION OR CURTAILMENT CHARGES - SECTION 1If you thinkyou may have to cut your journey short (curtail), we must be told immediately. Seeunder the heading 24-hour emergency medical assistance on page 12 for more information.

WHAT YOU ARE COVERED FOR

We will pay you up to the amount shown in the summary of cover, for your part of unusedpersonal accommodation, transport charges and other travel expenses which have been paid orwhere there is a contract to pay that cannot be recovered from anywhere else.

We will provide this cover in the following necessary and unavoidable circumstances:Cancellation

If you cancel your journey before it begins because one of the following happens:

The death, serious injury or serious illness of you, someone you were going to stay with, atravelling companion, or a relative of you or a travelling companion.

You or a travelling companion is called for jury service in your home country or as awitness in a court in your home country.

You or a travelling companion is needed by the police following a burglary, or damage causedby serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft orvehicle at your homeor their home or usual place of business in your home country.

Your redundancy.

Curtailment

You cut your journey short (curtail) after it has begun because of one of the following:

Anything mentioned in Cancellation except redundancy.

You are injured or ill and are in hospital for the rest of your journey.

Note

We will calculate curtailment claims from the date it is necessary for you to return to your homecountry or the date you are hospitalised as an in-patient, for the rest of your journey. We willpay unused personal accommodation and other travel expenses based on each 24-hour periodyou have lost. If you need to be repatriated, we will not refund the cost of your unused returntravel tickets. We will put the value of these tickets towards the extra transport costs we have topay.

WHAT YOU ARE NOT COVERED FOR

Under Cancellation and Curtailment

The excess as shown in the summary of cover.

The cost of Airport Departure Duty (whether irrecoverable or not).

Any condition stated under Health declaration and health exclusions on pages 12-13.

More than the minimum market value of equivalent travel tickets, if your travel tickets have beenpaid for using an airline mileage reward scheme.

Anything caused by:

- you not having the correct passport or visa;

- your carriers refusal to allow you to travel for whatever reason;

- any restriction caused by the law of any country or people enforcing these laws;

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Medical evidence from the treating doctor to confirm the illness or injury and treatment givenincluding hospital admission and discharge dates, if this applies.

If you are advised by a doctor at your resort that you cannot go on your pre-bookedexcursions because of medical reasons, you should obtain a medical certificate from themconfirming this.

If your passport is lost, stolen or destroyed

Written confirmation from the Consulate where the loss happened detailing the date of loss,notification of loss and replacement together with a written report from the police.

Delayed departure

Written confirmation from the airline or other carrier or their handling agent of the scheduledand actual departure times and why the departure was delayed.

Personal possessions and Personal money

Report the theft, damage or loss to the police within 24 hours of discovery and ask them for awritten police report.

If appropriate, you should also report the theft, damage or loss to your courier or hotel /apartment manager and ask for a written report.

Original receipts, vouchers or other suitable evidence of purchase/ ownership/value for lost,stolen or damaged personal possessions.

Confirmation, such as foreign exchange receipts and withdrawal slips, from your bank orbureau de change for issuing foreign currency, or suitable evidence for Sterling.

Keep any damaged items as we may need to inspect them. If we make a payment, or wereplace an item, the item will then belong to us.

Obtain an estimate for repair for all damaged items.

For loss or damage in transit claims, including delayed possessions

Please obtain a Property Irregularity Report (PIR) from the airline or a carriers report from therail company, shipping line or their handling agent. This should be done within 7 days of thedelay/loss/damage. You have 21 days to write to the airline confirming details of essentialreplacement items purchased.

Personal accident

Detailed account of the circumstances surrounding the event (including photographs andvideo evidence if this applies).

Medical evidence from the treating doctor to confirm the extent of the injury and treatmentgiven including hospital admission/discharge.

Full details of any witnesses, providing written statements where available.

A certified copy of the death certificate if this applies.

Personal liability

A detailed account of the circumstances surrounding the claim (including photographs andvideo evidence if this applies).

Any writ, summons or other correspondence received from any third party. Please note thatyou should not admit liability, offer to make any payment or correspond with any third partywithout our written consent.

Full details of any witnesses, providing written statements where available.

Legal expenses

Detailed account of the circumstances surrounding the event (including photographs andvideo evidence if this applies) within 90 days of the event causing your claim.

Any writ, summons or other correspondence received from any third party. Please note thatyou should not reply to any correspondence from a third party without our written consent.

Full details of any witnesses, providing written statements where available.Winter sports

Ski pack

Medical evidence from the treating doctor to confirm the illness or injury and treatment givenincluding hospital admission/discharge if this applies.

If you are advised by a doctor at your resort that you cannot take part in your pre-bookedski activities because of medical reasons, you should obtain a medical certificate from themconfirming this.

Ski equipment

All appropriate evidence requested under the heading Personal possessions and Personalmoney in this section.

All hire receipts and luggage labels/tags.

A written report from your airline or other carrier if your ski equipment is delayed ormisdirected.

Piste closure

Written confirmation from your tour operator, the local piste authority or ski lift operatorconfirming the reason for the closure and duration.


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Search and rescue

Mountain search and rescue services when deemed medically necessary.

We will also pay:

In-patient benefit

for each 24-hour period that you are in hospital as an in-patient up to the amount shown inthe summary of cover in total during thejourney as well as any fees or charges paid underTreatment.

This payment is meant to help you pay for additional expenses such as taxi fares and phonecalls incurred by you or your visitors during your stay in hospital.

Dental

Up to the amount shown in the summary of cover for emergency dental treatment to relievesudden pain.

Excursions

Up to the amount shown in the summary of cover in total for your excursions that have beenpaid for before your journey began and that cannot be recovered from anywhere else, if youget written advice from a doctor that you cannot go on them, because of an injury or illnessduring your journey.

2. Cover within your home country

Up to the amount shown in the summary of cover for:

Transport and accommodation

Reasonable extra transport and accommodation costs for you and any one other person whostays or travels with you or to you from within your home country on medical advice; andthe reasonable cost of transporting your ashes or body home.


Under 1. Cover outside your home country except In-patient benefit and Excursions andunder 2. Cover within your home country

The excess as shown in the summary of cover, unless your claim is reduced because you used aEuropean Health Insurance Card or any other reciprocal health arrangement (see Reciprocalhealth arrangements on page 12 for more information). The cost of replacing any medication youwere using when you began your journey.

Under 1. Cover outside your home country and 2. Cover within your home countryAny condition stated under Health declaration and health exclusions on pages 12-13.

Extra transport and accommodation costs which are of a higher standard to those already used onyour journey, unless we agree.

Anything caused by:

- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carryingaircraft);

- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to saveanother persons life);

- the direct or indirect effect of you using alcohol or solvents;

- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and allpersons insured are wearing crash helmets;

Any costs incurred 12 months after the date of your death, injury or illness.

Any costs for taxi fares and telephone calls (including mobile calls) resulting from an incidentclaimed for under this section.

Treatment or services provided by a health spa, convalescent or nursing home or anyrehabilitation centre unless agreed by Mapfre Assistance.

Expenses incurred as a result of a tropical or other disease where you have not had the NHSrecommended inoculations and/or taken the NHS recommended medication.

Any extra costs after the time when, in our medical advisors opinion, you are fit to return to yourhome area (or your final country if you are on a one-way trip).

Under 1. Cover outside your home country - Treatment

Services or treatments you receive within your home country.

Services or treatments you receive which the doctor in attendance and we think can wait untilyou get back to your home country.

Medical costs over 250, in-patient treatment or repatriation which we have not authorised.

The extra costs of having a single or private room in a hospital or nursing home.

The cost of all treatment which is not directly related to the illness or injury that caused the claim.

Under 1. Cover outside your home country - Funeral expenses

Your burial or cremation within your home country.

Under 1. Cover outside your home country - Dental

Replacing or repairing false teeth or artificial teeth (such as crowns).

Dental work involving the use of precious metals

Please refer to Sections General exclusions, Conditions and Making a claim that alsoapply.

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- bankruptcy or liquidation of the company providing your transport or accommodation, theiragents or any person acting for you;

- anything the company providing your transport or accommodation, their agents, any personacting for you or your conference organiser is responsible for;

- your vehicle being stolen or breaking down;

- you not wanting to travel or not enjoying your journey;

- riot, civil commotion, strike or lock-out;



- you being under the influence of drugs (except those prescribed by a doctor but not for thetreatment of drug addiction);

- the direct or indirect effect of you using alcohol or solvents;- the death of any pet or animal;

- the withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily orpermanently), on which you are booked to travel, by the carrier or on the recommendation ororder of any government, civil aviation authority, port authority, rail authority or other similarauthority in any country.

- Redundancy where you have received a warning or notification before you purchased thisinsurance or at the time of booking anyjourney.

- Accommodation costs paid for using any timeshare, holiday property bond or other holidaypoints scheme.

Under Cancellation

Any extra cancellation charges, because you did not tell the company providing your transport oraccommodation, their agents or any person acting for you, as soon as you knew you had tocancel. Financial circumstances or unemployment, except caused by redundancy which you findout about after the date your policy or travel tickets for your journey were bought (whichever isthe later).

Under Curtailment

Cutting short your journey unless we have agreed.

Any costs when you do not get a medical certificate (from the doctor who treated you in the placewhere you were staying) which says it was necessary for you to come home because of death, injuryor illness. Our medical advisers must have agreed with the reason and that you were fit to travel.

The cost of your original pre-booked tickets if you have not used them and we have paid extratransport costs.

You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all personsinsured are wearing crash helmets.

Anything caused by you taking part in a hazardous activity or winter sports unless shown onyour policy schedule.


EMERGENCY MEDICAL AND ASSOCIATED EXPENSES - SECTION 2If you are taken into hospital or you thinkyou may have to come home early or extend your

journey because of illness, injury or accident, or if your medical expenses are over 250 wemust be told immediately - see under the heading 24-hour emergency medical assistance onpage 12 for more information.


We will pay you or your Personal Representatives for the following necessary and unforeseenemergency expenses if you die, are injured, have an accident or are taken ill during your journey.

1. Cover outside your home country

Up to the amount shown in the summary of cover in total for reasonable fees or charges youincur for:

Treatment

Medical, surgical, medication costs, hospital, nursing home or nursing services.

Transport and accommodation

Reasonable extra transport and accommodation costs for you and any one other person whostays or travels with you or to you from your home country on medical advice.

Funeral expenses

The reasonable cost of transporting your body or ashes to your home or we will pay up tothe amount shown in the summary of cover for your funeral expenses, in the place where

you die outside your home country.


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Special conditions relating to claims

The insured person has not engaged in any political or other activity which would prejudice thisinsurance.

The insured person has no family or business connections that could be expected to prejudice thisinsurance or increase Underwriters risk.

All visas and documents are in order.

The insured person must report the matter to the police IMMEDIATELY upon his/her release andprovide us within 30 days of returning from the journey with a police report confirming thathe/she was unlawfully detained and the dates of such detention.


- any claim relating to payment of ransom monies;

- any claim arising out of any act(s) by an insured person which would be considered an offence

by a court of the United Kingdom if committed in the United Kingdom;- any claim where the detainment, internment, hijack or kidnap of an insured person has not

been reported to or investigated by the police or local authority;

- anything mentioned in General Exclusions.


PERSONAL POSSESSIONS - SECTION 6

Your policy schedule will show if this section is excluded.


Up to the amount shown in the summary of cover in total for your personal possessions (thisdoes not include ski equipment) damaged, stolen, lost or destroyed on your journey.

The most we will pay for valuables is the amount shown in the summary of cover in total whether

jointly owned or not. There is also a single article, pair or set limit of the amount shown in thesummary of cover.

The most we will pay for your personal possessions or valuables lost, damaged or stolen froma beach or pool-side is the amount shown in the summary of cover.

The most we will pay for sunglasses or prescription glasses is the amount shown in the summaryof cover.

Note

It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.



More than the part of the pair or set that is stolen, lost or destroyed.

More than the amount shown in the summary of cover for tobacco, alcohol and fragrances andperfumes.

More than the amount shown in the summary of cover for your personal possessions orvaluables lost, damaged or stolen from a beach or pool-side.

More than the amount shown in the summary of cover for sunglasses or prescription glasses.

Breakage of or damage to:

sports equipment while it is being used, fragile articles, audio, video, computer, television, fax andphone equipment.

Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths orvermin.

The cost of replacing or repairing false teeth.

Mobile Phones and mobile phone accessories, prepaid minutes you have not used, mobile rentalcharges or prepayments (for example, a contract phone with free minutes and text messages).

Loss or theft of, or damage to the following.

- Items for which you are unable to provide a receipt or other proof of purchase

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LOSS OF PASSPORT - SECTION 3WHAT YOU ARE COVERED FOR

We will pay the following if your passport is lost, stolen or destroyed on your journey.

Costs for issuing a temporary passport

Up to the amount shown in the summary of cover in total for the cost of extra transport,accommodation and administration costs you have to pay to get a temporary passport to enableyou to return to your home country.

Remaining value of original passport

The equivalent cost (based on the current replacement costs) of the period remaining on yourpassport that is lost stolen or destroyed.


The excess as shown in the summary of cover

Please refer to Sections General exclusions, Conditions and Making a claim that also

apply.

DELAYED DEPARTURE - SECTION 4 (PREMIER COVER ONLY)WHAT YOU ARE COVERED FOR

Up to the amount shown in the summary of cover if the international flight, international train orsea vessel you are booked on is delayed at its departure point from the time shown in yourtravel itinerary (plans) because of:

- a serious fire, storm or flood damage to the departure point;

- industrial action;

- bad weather;

- mechanical breakdown of the international train or sea vessel; or

- the grounding of the aircraft due to a mechanical or a structural defect.

We will pay:

Delay

up to the amount shown in the summary of cover in total; or

Abandonment

up to the amount shown in the summary of cover in total for your part of the unused costs of thejourney which have been paid or where there is a contract to pay that cannot be recovered fromanywhere else, if, after you have been delayed for more than 12 hours, you decide to abandonthejourney before you leave the UK.


Under Delay and Abandonment

Anything which is caused by you not checking in at the departure point when you should havedone.

Missed connections.

Compensation unless you get a letter from the airline or other carrier or their handling agent givingthe reason for the delay and showing the scheduled departure time and the actual departure timeof the flight, international train or sea vessel.

Any delay caused by a riot, civil commotion, strike or industrial action which began or wasannounced before your policy or travel tickets for your journey were bought (whichever is later).

The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily orpermanently), on which you are booked to travel, by the carrier or on the recommendation or order

of any government, civil aviation authority, port authority, rail authority or other similar authority inany country.

Any claims arising from volcanic eruptions and/or volcanic ash clouds.

Under Abandonment





apply.

HIJACK & KIDNAP - SECTION 5 (GAP YEAR COVER ONLY)WHAT YOU ARE COVERED FOR

If you are prevented from reaching your scheduled destination as a result of kidnap or hijack of theaircraft or ship in which you are travelling we will pay you for the first full 24 hours of delay and foreach subsequent full 24 hours of delay up to the amount shown in the summary of cover. This benefit

is only payable if no claim is made under Section 1 - (Cancellation or Curtailment charges).


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PERSONAL ACCIDENT - SECTION 9


We will pay you or your Personal Representative one of the following amounts for an accidentduring your journey.

Death

the amount shown in the summary of cover for death. (We will not pay more than the amountshown in the summary of cover if you are aged 18 years or under at the time of the accident.)

Permanent loss

the amount shown in the summary of cover for total and permanent loss of sight in one or botheyes or total and permanent loss of use of one or both hands or feet.

Physical disablement

the amount shown in the summary of cover for a permanent physical disability as a result of whichthere is no paid work which you are able to do. (We will not pay any compensation if you are aged18 years or under at the time of the accident.)

Note

Death benefit payments will be made to your Personal Representatives.


Any claim arising more than one year after the original accident.

Anything caused by:

- your sickness, disease or gradually occurring conditions, physical or mental condition that isgradually getting worse;



- you being under the influence of drugs (except those prescribed by a doctor but not for the

treatment of drug addiction);- the direct or indirect effect of you using alcohol or solvents;

- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and allpersons insured are wearing crash helmets;

- you taking part in any hazardous activity or winter sports unless shown on your policyschedule.

We will not pay more than one of the benefits resulting from the same injury.


MISSED DEPARTURE - SECTION 10


We will pay you up to the amount shown in the summary of cover in total for the cost of extraaccommodation and transport which you have to pay to get to your journey destination or backhome because you do not get to the departure point by the time shown in your travel itinerary(plans) because:

- public transport (including scheduled flights) does not run to its timetable; or

- the vehicle you are travelling in has an accident or breaks down.


Any claim unless you:

- get a letter from the public transport provider (if this applies) confirming that the service didnot run on time

- get confirmation of the delay from the authority who went to the accident or breakdown (if thisapplies) affecting the vehicle you were travelling in

- have allowed time in your travel plans for delays which are expected.


Failure of public transport caused by a riot, civil commotion, strike or industrial action which beganor was announced before you left home or where you could have reasonably made other travel

arrangements.

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- Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video andaudio tapes, cartridges or discs, unless they were pre-recorded, in which case we will pay upto the replacement cost.

- Goods which deteriorate, bottles or cartons, and any damage caused by these items or theircontents.

- Valuables left in a motor vehicle.

- Valuables carried in suitcases, trunks or similar containers unless they are on your personall the time.

- Valuables unless they are on your person or locked in a safe or safety deposit box (if one isavailable) or locked in the accommodation you are using on your journey.

- Contact or corneal lenses, hearing aids, unless following fire or theft.

- Bonds, share certificates, guarantees or documents of any kind.

- Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in

use.- Personal possessions unless they are on your person, locked in the accommodation you

are using on your journey or they are out of sight in the locked boot or covered luggage areaof a locked motor vehicle (no cover for valuables).

- Personal money (see section 8).

- Passport (see section 3).


DELAYED PERSONAL POSSESSIONS - SECTION 7WHAT YOU ARE COVERED FOR

We will pay the following amounts to buy essential replacement items, if your personalpossessions (this does not include valuables or ski equipment) are temporarily lost or stolenon your outwardjourney for a minimum of 12 hours from when you arrived at your destination:

Up to the amount shown in the summary of cover.

NoteYou must send us the receipts for anything that you buy. If the items are permanently lost, we willtake any amount that you are due to be paid under this section from the final claim settlementunder the Personal possessions section. This will only be done when your policy schedule showsyou have Personal possessions and Personal money cover.



PERSONAL MONEY - SECTION 8


Up to the amount shown in the summary of cover for loss or theft of your personal money (butno more than the amount shown in the summary of cover in cash in total, whether jointly owned ornot) while on your journey.

The most we will pay for personal money if you are under 18 years is the amount shown in thesummary of cover.



Reimbursement unless you can provide receipts of the amount you had from the place where yougot the currency.

Loss or theft of personal money, unless it is on your person, locked in a safe or safety depositbox (if one is available) or locked in the accommodation you are using on your journey.

Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchangingcurrency.

Loss or theft of travellers cheques if the place where you got them from provides a replacementservice.

More than the amount shown in the summary of cover for personal money if you are under 18years.




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Note

Inform us as soon as you or your Personal Representatives are aware of a possible prosecution,inquest or fatal injury, which might lead to a claim under this section.

Please do not negotiate, pay, settle, admit or deny any liability to any third party, without ourwritten consent.



Any liability for bodily injury or loss of or damage to property that comes under any of the followingcategories.

- Something which is suffered by anyone employed by you or a relative and is caused by thework they are employed to do.

- Something which is caused by something you deliberately did or did not do.

- Something which is caused by your employment or employment of a relative.

- Something which is caused by you using any firearm or weapon.

- Something which is caused by any animal you own, look after or control.

- Something which you agree to take responsibility for which you would not otherwise havebeen responsible for.

Any contractual liabilities.

Any liability for bodily injury suffered by you, a relative or travelling companion.

Compensation or other costs caused by accidents arising from your ownership or possession ofany of the following.

- The use of any land or building except for the accommodation you are using on yourjourney.

- Motorised or mechanical vehicles and any trailers attached to them.

- Aircraft, motorised watercraft or sailing vessels.


IMPRISONMENT ABROAD - SECTION 13 (GAP YEAR COVER ONLY)


We will pay up to the amount shown in the summary of cover in total for one of your parents tovisit you if you are lawfully imprisoned by the local judiciary during your journey for a period ofat least two weeks and there is no chance of You being released within another two weeks.

The maximum we will pay is:

Up to the amount shown in the summary of cover in total for economy class return air ticketsfor one of your parents to visit you in prison.

Up to the amount shown in the summary of cover in total towards accommodation costs, foryour visiting parent.


- any costs incurred by you in relation to your imprisonment;

- your parents costs before you were in prison for a total of two weeks;

- any amount that can be recovered, by you, from other sources.


LEGAL EXPENSES - SECTION 14


If you die, are ill, or injured during your journey and you or your personal representative takelegal action to claim damages or compensation for negligence against a third party we will dothe following:

Nominate an appointed adviser to act for you. If you and we cannot agree on anappointed adviser, the matter can be referred to an Alternative Resolution Facility.

For each event giving rise to a claim pay up to the amount shown in the summary of cover inlegal costs for legal action for you (but not more than the amount shown in the summary

of cover in total for all persons insured on this policy).

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The withdrawal from service of an aircraft, cross-channel train or sea vessel (temporarily orpermanently), on which you are booked to travel, by the carrier or on the recommendation or orderof any government, civil aviation authority, port authority, rail authority or other similar authority inany country.



apply.

TRAVEL DISRUPTION - SECTION 11WHAT YOU ARE COVERED FOR

We will help arrange and pay up to the amount shown in the summary of cover in total for thefollowing:

On your outward journeyThe cost of alternative transport to get you to your outward departure point if:

- the public transport (including scheduled flights) that you are booked on does not run to itstimetable; or

- the vehicle you are travelling in has an accident or breaks down during your journey.

We will also help arrange for your vehicle to be towed to the nearest garage for repair (if thisapplies).

On your return journey

The cost of alternative transport to get you home, if your transport is delayed at your returndeparture point because of one of the following reasons and you miss your connectingtransport arrangements in your home country:

- a serious fire, storm or flood damage to the departure point;

- industrial act ion;

- bad weather;

- mechanical breakdown of the international train or sea vessel; or

- the grounding of the aircraft due to a mechanical or a structural defect.

We will also help arrange and pay for alternative transport to get you home if having arrived inyour home country one of the following happens:

- public transport (including scheduled flights) does not run to its timetable; or

- your private vehicle you are travelling in (or intending to travel in) fails to start, has anaccident or breaks down during your journey.


Any claim unless you:

- get a letter from the public transport provider (if this applies) giving the reason for the delayand showing the scheduled departure time and the actual departure time of the service.

- get confirmation of the delay from the authority who went to the accident or breakdown (if thisapplies) affecting the vehicle you were travelling in

- have allowed time in your travel plans for delays which are expected.


Failure of public transport caused by a riot, civil commotion, strike or industrial action which began

or was announced before you left home or where you could have reasonably made other travelarrangements.


PERSONAL LIABILITY - SECTION 12If you are hiring a motorised or mechanical vehicle while on your journey you must make sure thatyou get the necessary insurance from the hire company.We do not cover this under our policy.


We will pay up to the amount shown in the summary of cover plus any other costs we agree to inwriting that relate to anything you cause during your journey for which you are legally liable andresults in one of the following.

Bodily injury of any person.

Loss of or damage to property which you do not own and you or a relative have not hired,loaned or borrowed.

Loss of or damage to the accommodation you are using on your journey that does notbelong to you or a relative.


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Note

you must conduct your claim in the way requested by the appointed adviser;

you must keep us and the appointed adviser fully aware of all facts and correspondenceincluding any claim settlement offers made to you;

we will not be bound by any promises or undertakings which you give to the appointedadviser, or which you give to any person about payment of fees or expenses, without ourconsent;

we can withdraw cover after we have agreed to the claim, if we think a reasonablesettlement is unlikely or that the cost of the legal action could be more than the settlement.


Any claim:

- not reported to us within 90 days after the event giving rise to the claim;

- where we think a reasonable settlement is unlikely or where the cost of the legal actioncould be more than the settlement;

- involving legal action between members of the same household, a relative, a travellingcompanion, or one of your employees;

- where another insurer or service provider has refused your claim or where there is a shortfallin the cover they provide;

- against a travel agent, tour operator or carrier,us, the insurer, another person insured by thispolicy or our agent.

Legal costs:

- for legal action that we have not agreed to;

- if you refuse reasonable settlement of your claim. You should use Alternative ResolutionFacilities such as mediation in this situation;

- if you withdraw from a claim without our agreement. If this occurs legal costs that we havebeen paid must be repaid to us and all legal costs will become your responsibility;

- that cannot be recovered by us, you or your appointed adviser, when you receivecompensation. Any repayment will not be more than half of the compensation you receive;

- awarded as a personal penalty against you or the appointed adviser (for example notcomplying with Court rules and protocols);

- for bringing legal action in more than one country for the same event.


WINTER SPORTS COVER - SECTION 15This section is only in force if shown on your policy schedule, you are under 66 years of age priorto the commencement of the period of insurance and you have paid the appropriate wintersports premium.


Ski pack

We will pay up to the amount shown in the summary of cover in total for your ski packcosts thathave been paid for and that cannot be recovered from anywhere else, if:

you

have to cancel or curtailyour journey

. you cannot ski because of an injury or illness during your journey.

Ski equipment

We will pay up to the amount shown in the summary of cover in total for the hire of alternativeski equipment if:

- yours is temporarily lost or stolen on your outwardjourney for more than 12 hours fromwhen you arrived at your destination; or

- yours is damaged, stolen, lost or destroyed on your journey.

We will pay up to the amount shown in the summary of cover in total for your skiequipment (including ski equipment you are legally liable for) and ski pass that is damaged,stolen, lost or destroyed on your journey.

There is also a single article limit of the amount shown in the summary of cover, whether jointlyowned or not.

Note

It will be our decision to pay either:

the cost of repairing your items;

to replace your belongings with equivalent items; or

the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.

Piste closure

We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as aresult of adverse weather conditions.

for each full day up to the amount shown in the summary of cover in total for the cost of extratransport or lift passes to let you ski or snow board at another resort; or

for each full day up to the amount shown in the summary of cover in total if no other resort isavailable.


Under Ski pack

Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Cancellationor curtailment charges - section 1.

Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Emergencymedical and associated expenses - section 2.

Under Ski equipment

Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personalpossessions - section 6.

Under Piste closure

Any compensation for the first full 24 hours at your booked ski resort.

Anyjourney in your home country.

Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason forclosing the piste and showing the number of days the piste was closed during your journey.

Compensation which you can get from your tour operator or anywhere else.

Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy ortravel tickets for your journey were issued, if this is less than 14 days before the beginning of

your journey.Anyjourney that takes place outside a recognised ski resort or the official resort opening dates.


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IMPORTANT TELEPHONE NUMBERS

Customer services: 0845 618 0379

24-hr Emergency medical assistance:Outside your home country: +44 20 7748 0670

Within your home country: 020 7748 0670

Claims: 020 7748 0669

TopDog Insurance Travel Insurance is a division of Citybond Holdings plc. Registered Office:109 Elmers End Road, Beckenham, Kent, BR3 4SY. Registered No: 312208

TopDog Insurance Travel Insurance is underwritten by Mapfre Asistencia Compania Internacionalde Seguros y Reaseguros Sociedad Anonima, 5th Floor, Alpha House, 24a Lime Street, London,

EC3M 7HS. Company number: FC021974. Branch Number BR008042. Trading under the nameof Mapfre Assistance.

Citybond Holdings Plc are authorised and regulated by the Financial Services Authority (FSA).

Mapfre Asistencia are authorised by Direccion General de Seguros and subject to limitedregulation by the Financial Services Authority. Details about the extent of our regulation by theFinancial Services Authority are available from us on request.

Citybond Holdings Plc will act as agent for Mapfre Assistance with respect to the receipt ofcustomer money and handling premium refunds. 18

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