Your Coverwise
STANDARD
Travel Insurance Policy
Sales Claims Medical Assistance
01903 255 650 0330 024 8315 +44 (0)203 126 4042
V.1.N 05/22
6 Introduction
10 Definitions
15 General conditions applicable to the whole policy
16 Claims conditions
17 Important conditions relating to health
19 What is not covered - applicable to all sections of the policy
21 Sports and activities covered
24 Emergency and medical service
24 Reciprocal health agreements with other countries
25 Section A - Cancellation or curtailment charges
29 Section B - Emergency medical and other expenses
32 Section C - Hospital benefit/New Zealand disability benefit
34 Section D - Personal accident
C O N T E N T S
36 Section E - Baggage
38 Section F - Personal money, passport and documents
40 Section G - Personal liability
42 Section H - Legal expenses and assistance
44 Section I - Ski equipment
45 Section J - Ski equipment hire
47 Section K - Ski pack
47 Section L - Piste closure
48 Section M - Avalanche or landslide cover
50 Section N - Gadget cover
55 Making a complaint
Useful Information
Claim notification
To make a claim under all sections (except Gadget cover) please contact 0330 024 8315
To make a claim for Gadget cover please use the claim notification portal at https://gadgetclaimsAXA.davies-
group.com
Making a complaint
Any complaint you may have, should in the first instance be addressed to the relevant helpline as outlined in
the policy wording.
If the complaint is not resolved, you can approach The Financial Ombudsman Service. Referral to the Financial
Ombudsman will not affect your right to take legal action. Full details of addresses and contact numbers can
be found within the Making a complaint section of the policy wording.
Cancellation period
You are free to cancel this policy at any time. If you wish to cancel within 14 days of receipt of the policy
documents, you may, by writing to us for a full refund providing you have not travelled and no claim has been
made. If you cancel after the first 14 days of receipt of the documents, no premium refund will be made. See
General conditions applicable to the whole policy in the policy wording for full details.
Financial Services Compensation Scheme (FSCS)
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation
from the scheme in the unlikely event we cannot meet our obligations to you. This depends on the type
of insurance and the circumstances of the claim. Further information about the compensation scheme
arrangements is available from the FSCS (www.fscs.org.uk).
Demands and Needs Statement
Single trip – This policy meets the Demands and Needs of a customer wishing to buy a basic travel insurance
policy covering one trip, with exclusions for pre-existing medical conditions.
Annual multi trip - This policy meets the Demands and Needs of a customer intending to travel more than once
within the period of insurance, wishing to buy a basic travel insurance policy with exclusions for pre-existing
medical conditions.
3
Coverwise Standard - AXA Travel
Insurance
This insurance is underwritten by Inter Partner Assistance S.A. directly, and through its branches (and any AXA
group companies IPA appoint) will provide and administer the Benefits and Services available under this policy.
The table shows the maximum amount payable for each insured person after the deduction of the policy
excess (unless otherwise stated). Some sections are optional and these are marked* - your policy schedule will
show if you selected any of these options.
Benefit table
Benefits and excess deductions are per person insured unless stated otherwise in the specific section.
Section Title Limit Excess
A Cancellation or curtailment charges £1,000 £125
B Emergency medical and other £20,000,000 £125
expenses
Infants born following unexpected £150,000 £125
complication of pregnancy (maximum
per event) - for trips to the USA,
Canada or Caribbean
Infants born following unexpected £75,000 £125
complication of pregnancy (maximum
per event) - for trips outside of the
USA, Canada or Caribbean (excluding
your home area)
Emergency dental treatment £1,000 £125
C Hospital benefit/New Zealand £2,000 (£30 per day)/£200 Nil
disability benefit per week
D Personal accident £10,000 (subject to age, Nil
£10,000 death benefit)
E Baggage £1,000 £125
Single article limit £200 £125
Total for all valuables £200 £125
F Personal money, passport and £200 cash (£50 if under 16) £125
documents and £100 other money and
documents
Travel and accommodation costs for £400 Nil
replacement passport
G Personal liability £2,000,000 £200
H Legal expenses and assistance £50,000 £125
I* Ski equipment £300 £125
Single article limit for own ski £150 £125
equipment
Hired ski equipment £200 £125
4
Section Title Limit Excess
J* Ski equipment hire £150 (£15 per day) Nil
K* Ski pack £200 Nil
Lost lift pass £150 Nil
L* Piste closure £150 (£15 per day) Nil
M* Avalanche or landslide cover £200 (£15 per day) Nil
N* Gadget cover £1,000 £50
Any trip that had already begun when you purchased this insurance will not be covered, except where this
policy replaces or you renew an existing annual Coverwise multi trip policy which fell due for renewal during
the trip.
