UK
Multitrip.com - Travel Insurance Policy Summary
This summary is designed to help you to understand the insurance by setting out its significant key features, benefits, limitations and exclusions. This summary does not form
part of the policy. You will need to read the policy wording, a copy of which is available to you, for full details of the terms of the insurance.
The Insurer
This insurance is underwritten by MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, Sociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London
EC3M 7HS. Company Number: FC021974. Branch Number BR008042. Trading under the name MAPFRE Assistance.
We (MAPFRE Asistencia) are authorised by the Dirección General de Seguros y Fondos de Pensiones and are subject to limited regulation by the Financial Conduct Authority and
the Prudential Regulation Authority. Details about the extent of regulation by the Financial Conduct Authority and the Prudential Regulation Authority are available on request.
MAPFRE Asistencia Compañía Internacional de Seguros y Reaseguros, S.A. branch in the United Kingdom (trading as MAPFRE Assistance) has registered offices at 5th Floor,
Alpha House, 24a Lime Street, London EC3M 7HS. MAPFRE Asistencia main office is based in Spain which forms part of the EEA (European Economic Area) as a member state.
The Kingdom of Spain is responsible for controlling the insurance activity of MAPFRE Asistencia S.A., through the Spanish Ministry of Economy and the Treasury, and specifically
the General Directorate for Insurance Matters and Pensions Fund (Dirección General de Seguros y Fondos de Pensiones). Its branch in the United Kingdom is also under the
United Kingdom FCA (Financial Conduct Authority) and PRA (Prudential Regulation Authority) supervision in certain situations according to the European Union Regulation.
Type of Insurance and Cover
The policy provides a range of travel insurance covers. The main ones are summarised in the table below. The limits of cover and excesses that apply in the event of a claim
will depend on the product you choose. These will be shown when you make your product selection and then confirmed in your policy schedule.
Significant Features Significant Exclusions Policy Wording
Cover and Benefits and Limitations Reference
Cancellation or Curtailment Provides cover for unused travel and To be able to claim, the reason why the trip is being Insurance – Section A (page 12-13),
Charges accommodation expenses which you cancelled or cut short must be necessary and Travel Insurance Policy Schedule (page
have paid, or agreed to pay under unavoidable and must fall into one of the reasons 2-3),
contract which you cannot get back if it is listed in the policy. For example, if a person insured Important Conditions Relating to Health
necessary to cancel or cut short your trip. under this policy becomes ill or is injured or dies. (page 7-8),
General Conditions (page 8)
You must obtain prior approval of the Emergency General Exclusions (page 9)
Assistance Service before curtailment of your trip. +44 Claims Conditions (page 9-10)
203 362 2423
Emergency Medical and Provides cover for costs arising in the To be able to claim, the medical treatment must be Insurance – Section B (page 13-14)
Other Expenses event of illness, bodily injury or death required in an emergency and cannot wait until you Travel Insurance Policy Schedule (page 2-3)
during the trip and where necessary have returned to your home area. Important Conditions Relating to Health
the provision of emergency medical (page 7-8)
assistance. Medical cover does not apply to treatment received in General Conditions (page 8)
your home area. General Exclusions (page 9)
Claims Conditions (page 9-10)
You must give notice immediately to the Emergency
Assistance Service by phoning +44 203 362 2423
informing them of any bodily injury or illness that
necessitates your admittance to hospital as an in-
patient or before any arrangements are made for your
repatriation.
Hospital Benefit Provides a payment for each complete To be able to claim, the confinement must be at the Insurance – Section C (page 14)
24 hours spent in a hospital as an order of a Medical Practitioner outside your home area Travel Insurance Policy Schedule (page 2-3)
in-patient or if you are confined to and as a result of a bodily injury or illness. Important Conditions Relating to Health
your accommodation as a result of a (page 7-8)
compulsory quarantine order. You must also contact our Emergency Assistance General Conditions (page 8)
Service on +44 203 362 2423 as soon as possible to General Exclusions (page 9)
advise of the required confinement. Claims Conditions (page 9-10)
Personal Belongings, Provides cover for the accidental loss, A written report from the police or transport carrier is Insurance – Section E and Section F (page
Money and Baggage theft or damage of personal belongings, required in order to support a claim for loss, theft or 14-15)
including passport, other documents, damage. This must be obtained within 24 hours of the Travel Insurance Policy Schedule (page 2-3)
money and baggage during the trip. incident. General Conditions (page 8)
General Exclusions (page 9)
Belongings must not be left unattended and cover is Claims Conditions (page 9-10)
not provided for personal belongings stolen from an
unattended vehicle unless the theft occurs between
8am and 9pm (local time), the personal belongings are
in the locked boot (or out of view if no boot is available)
and there is evidence of forced entry.
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Significant Features Significant Exclusions Policy Wording
Cover and Benefits and Limitations Reference
Missed Departure Provides cover for reimbursement of To be able to claim, the missed departure must be Insurance – Section I (page 16)
reasonable additional accommodation due to the failure of other scheduled public transport, Travel Insurance Policy Schedule (page 2-3)
and travel costs incurred in reaching an accident/breakdown affecting the vehicle in which General Conditions (page 8)
your overseas destination or returning you are travelling or strike, industrial action or adverse General Exclusions (page 9)
to the United Kingdom, if you miss your weather conditions. Claims Conditions (page 9-10)
scheduled departure from the United
Kingdom or on the final part of your You must obtain written confirmation for the reason for
return journey to the United Kingdom. delay from the Police or breakdown service, if the delay
occurs on a motorway or dual carriageway road.
Delayed departure and Provides cover if the aircraft, sea To be able to claim, you must have checked-in for Insurance – Sections K1 and K2 (page 17)
Abandoning your trip. vessel, train or coach on which you are your trip at or before the recommended time and get Travel Insurance Policy Schedule (page 2-3)
booked to travel is delayed at the final a written statement from the appropriate transport General Conditions (page 8)
departure point from or to the United company or authority confirming the reason for the General Exclusions (page 9)
Kingdom because of a strike or industrial delay and how long it lasted. Claims Conditions (page 9-10)
action, adverse weather conditions or
a mechanical breakdown by at least 12 For any specific incident, you may be able to claim
hours or if you have to abandon your under either delayed departure or abandoning your
outward trip as a result of a delay lasting trip, but not under both.
more than 24 hours.
Personal Accident Provides cover if you sustain a bodily To be able to claim, the injury must not have arisen Insurance – Section D (page 14)
injury which results in your death, loss due to your failure to comply with the policy’s Important Conditions Relating to Health
of limb, loss of sight or permanent total ‘Important conditions relating to Health.’ (page 7-8)
disablement. General Exclusions (page 9)
Policy Schedule (page 2-3)
Personal Liability Provides cover if you become legally Third parties do not include any person in your Insurance – Section G (page 15-16)
liable to pay compensation for bodily employment or who is a close relative, or member of Policy Schedule (page 2-3)
injury, illness or disease (including death) your household or travelling companion. General Exclusions (page 9)
caused to third parties, or damage to Claims Conditions (page 9-10)
their property. The policy does not cover the excess amount as stated
on your policy schedule for any damage you cause to
temporary holiday accommodation.
Other Significant Limitations and Exclusions Policy Wording Reference
Medical Conditions If you or any other person insured on your policy have, at the time of taking out this insurance Important Conditions Relating to Health
existing prior to purchasing (or upon renewal of your policy) in the last two years suffered from or received medical advice, (page 7-8)
or renewing this policy treatment or medication for: General Exclusions (page 9)
-- any heart- related conditions; or
-- any blood circulatory condition (including, but not limited to, high blood pressure, hypertension
or high cholesterol); or
-- any diabetic condition; or
-- any breathing condition; or
-- any psychiatric or psychological condition (including anxiety or depression); or
-- had treatment for cancer; or
-- any neurological condition including, but not limited to, Stroke, Brain Haemorrhage or Epilepsy
Or been referred to or seen a GP, hospital doctor or surgeon, needed in-patient medical treatment
in hospital for any other condition in the last 12 months, you will need to declare this to the medical
screening line by phoning 0844 871 0288 unless each insured person has only one of the medical
conditions listed in the Important Conditions of Health section of the policy wording.
Unless accepted by us, no cover would be available should a claim arise directly or indirectly from
the condition concerned. A separate premium may be payable to the medical screening line to
provide cover for the medical conditions.
Cover is not provided for claims arising directly or indirectly from:
A. At the time of taking out this policy:
i. Any medical condition for which you or a close relative or a travelling companion are aware of
but have not had a diagnosis.
ii. Any medical condition for which you or a close relative or a travelling companion have received
a terminal prognosis.
iii. Any medical condition for which you or a close relative or a travelling companion are on a
waiting list for or have the knowledge of the need for surgery, treatment or investigation at a
hospital, clinic or nursing home.
B. At any time
i. Any medical condition you have in respect of which a Medical Practitioner has advised you not to
travel or would have done so had you sought his/her advice but despite this you still travel.
ii. Any surgery, treatment or investigations for which you intend to travel outside of your home
area to receive (including any expenses incurred due to the discovery of other medical
conditions during and/or complications arising from these procedures).
iii. Any medical condition for which you are not taking the recommended treatment or prescribed
medication as directed by a Medical Practitioner.
iv. You travel against any health requirements stipulated by the carrier, their handling agents or
any other Public Transport provider.
Please note that there is no cover for any circumstances you are aware of at the time of taking out
this policy that could reasonably be expected to give rise to a claim on this policy.
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Other Significant Limitations and Exclusions Policy Wording Reference
Age Limits You and any person travelling will not be covered over the following ages: General Conditions (page 8)
• Essential Cover – Up to and including 59 years of age.
• Premier and Premier Plus Cover –79 years (Single Trip cover) or 75 years (Annual Multi Trip cover).
• Backpacker – Up to and including 49 years of age.
• Winter sports optional cover – Essential Cover - up to and including 59 years of age or Premier
and Premier Plus Cover up to and including 65 years of age. (this cover is only applicable if
stated on the validation certificate).
Residency This policy is only available to you if you are permanently resident in the United Kingdom and have Travel Insurance Policy (page 4)
been for the past six months prior to the date of issue.
Cover for Families Family Cover applies up to two adults and any number of their children, step-children or Definitions (page 5-7)
foster children aged under 19 (or under 24 years if living at home and in full time education),
accompanying the parents or legal guardian insured on the same policy travelling on any trip
to the same destination. Under annual multi-trip cover, any child under 16 years cannot travel
independently. Any child 16 years or over is covered to travel independently from their parents
provided they are travelling on an organised school or college trip only and with a responsible
adult 18 years or over.
Sports and Activities Cover is automatically provided for Emergency Medical Expenses and Personal Accident for a Sports and Activities (page 10-11)
range of specified lower risk (Grade 1) sporting and leisure activities. Cover for specified higher General Conditions (page 8)
risk sporting or leisure activities (Grades 2, 3 and 4) is only provided on payment of an additional General Exclusions (page 9)
premium. There are other restrictions in cover and increased excesses as set out in the policy Claims Conditions (page 9-10)
wording.
The policy lists the acceptable sporting and leisure activities for Grades 1, 2, 3 and 4.
Period of Insurance
The period of insurance is the period shown on your policy schedule.
Right of Cancellation
If you wish to cancel your policy, you must notify Multitrip.com within 14 days of receipt of the policy documents (new business) or for annual multi trip policies the renewal date:
• In writing to: info@multitrip.com.
• By telephone: 0333 355 6181.
We will refund the premium paid unless you have made a claim or travelled.
Making a Claim
In the event of a medical emergency whilst abroad, please phone +44 203 362 2423 . You can make any other claim by calling 0203 3622 424
Making a Complaint
If you wish to make a complaint about a claim, please contact the Customer Relations Manager at MAPFRE Assistance
• In writing to: 1 Victoria Street, Bristol Bridge, Bristol, BS1 6AA.
If you have a complaint about the sale of your policy or our website, please contact Customer Relation Manager on: complaints@blueinsurance.co.uk
• In writing to: 1 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.
• By telephone: 0333 355 6181.
Should you remain dissatisfied after you receive a final written response to your complaint, you may refer your case to the Financial Ombudsman Service:
• In writing to: Insurance Division, Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
• By telephone: 0800 023 4567.
• By fax: 020 7964 1001.
Compensation Scheme
The insurer is covered by the Financial Services Compensation Scheme. This provides compensation in case any of its members go out of business or into liquidation and are
unable to meet any valid claims under its policies. Further information can be obtained from the Financial Services Compensation Scheme (www.fscs.org.uk) or by contacting
the FSCS at 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU or by calling 0800 678 1100 or 020 7741 4100.
