Customer services Health declaration 24-hr Emergency ...

1 Important contact details Customer services : Contact your local Hays Travel adviser Health declaration (to declare a medical 020 8603 9691. condition or change in your circumstances). 24-hr Emergency medical assistance: UK +44 (0)20 8603 9689. (for medical Emergency or curtailment requests). 24-hr Legal helpline: UK +44 (0)20 8603 9804. Claims: 020 8603 9688. Gold and Silver In a life or death situation call the Emergency services in the country you are visiting for example 112 within the European Union or 911 in the USA. Travel Insurance Please read this policy and carry it with you during your journey This policy is available in large print, audio and Braille. Please contact your local Hays Travel adviser and we will be Cover is only available if you are a resident of pleased to organise an the UK, the Channel Islands or the Isle of Man.

2 Alternative version for you. Existing medical conditions are not covered unless they have been declared to and accepted in writing by the Insurer. Please see full requirements on pages 11-12. Hays Travel Limited is an Appointed Representative of rush Insurance services Limited, Registered address Beckwith House, 1 Wellington Road North, Stockport SK4 1AF Registered Hays Travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance. Allianz Global Assistance is a trading name of AWP Assistance UK Ltd, 102 George Street, Croydon CR9 6HD. rush Insurance services Limited and AWP Assistance UK Ltd are authorised and regulated by the Financial Conduct Authority.

3 AWP P&C SA is duly authorised in France and the United Kingdom and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority. Allianz Global Assistance acts as an agent for AWP P&C SA. for the receipt of Customer money, settling claims and handling premium refunds. Hays Travel Limited and rush Insurance services Limited act as agents for AWP P&C SA for the receipt of Customer money and handling premium refunds. Ref: 7008 TVL (1) 07/18. Contents Summary of cover Page number The following table shows the maximum amount we will pay and policy excesses for each section of cover. You should read the rest of this booklet for the full terms and conditions.

4 Summary of cover 1-3. Important information 4-5 Section/Cover Silver cover Excess Gold cover Excess limits (up to) limits (up to). Definition of words 6-9. 1. Cancellation or curtailment s 5,000 n 125 s 5,000 n N/A. 24-hour Emergency medical assistance 9. 2. Emergency medical and associated 7 million n 100 10 million n N/A. Reciprocal Health arrangements 10. expenses Health declaration and Health exclusions 11-12 Funeral expenses 5,000 5,000. General exclusions 13 Dental 250 250. Conditions 14 In-patient benefit 20/day max. 200 20/day max. 200. Cover within your home country 1,000 1,000. Sports and leisure activities 15-17. 3. Loss of passport Making a claim 18-20 Issuing temporary passport 50 Nil 50 N/A.

5 Making a complaint 21 Costs to collect temporary passport 200 Nil 200 N/A. Cancellation or curtailment charges Section 1 22-23 4. Delayed possessions 75/day max. 250 Nil 75/day max. 250 N/A. Emergency medical and associated expenses Section 2 24-25 5. Personal possessions (optional) 1,500 50 1,500 N/A. Loss of passport Section 3 26 Clothing 600 600. Cosmetics 100 100. Delayed personal possessions Section 4 26. Electrical and photographic equipment 200 200. Personal possessions Section 5 27 Eye wear 100 100. Personal money Section 6 28 Footwear 50 50. Personal accident Section 7 29 Luggage 200 200. Valuables 250 250. Missed departure Section 8 30. Unreceipted items limit 50/item max.

6 150 50/item max. 150. Delayed departure Section 9 31. 6. Personal money (optional). Personal liability Section 10 32 Cash (19 years and over) 500 50 500 N/A. Cash (18 years and under) 50 Nil 50 N/A. Legal expenses Section 11 33. 7. Personal accident Nil N/A. Catastrophe Section 12 34. Death Hijack Section 13 34 - 19 to 74 years inclusive 10,000 10,000. Winter sports cover Section 14 35 - 18 and under or 75 and over 5,000 5,000. Loss of limb / sight 20,000 20,000. Golf cover Section 15 36. Permanent total disablement Business cover Section 16 37 - 19 to 74 years inclusive 20,000 20,000. Wedding cover Section 17 38 - 18 and under or 75 and over No cover No cover Cruise cover Section 18 39 8.

7 Missed departure 1,000 50 1,000 N/A. 9. Delayed departure Delay 25/12 hrs, max. 400 Nil 25/12 hrs, max. 400 N/A. Abandonment s 5,000 after 24 hrs 100 s 5,000 after 24 hrs N/A. 10. Personal liability 2 million 200* 2 million N/A. 11. Legal expenses 25,000 Nil 25,000 N/A. 12. Catastrophe 100/day max. 1,000 Nil 100/day max. 1,000 N/A. 13. Hijack 100/day max. 1,000 Nil 100/day max. 1,000 N/A. 2 1. Additional covers Notes Journey limits (annual multi-trip cover only). Section/Cover Silver cover Excess Gold cover Excess Annual multi-trip cover is for short trips of 31 days or less per trip only unless you have paid the additional limits (up to) limits (up to). premium to extend cover and this is shown on your insurance confirmation.

8 There is absolutely no cover offered 14. Winter sports cover by this policy whatsoever for trips which are longer than the limit you have paid for per trip. This would include Ski pack 50/day max. 500 Nil 50/day max. 500 N/A not insuring you for any part of a trip that is longer than this limit. Delayed ski equipment 50/day max. 500 Nil 50/day max. 500 N/A * n Excess / Additional screening excess Ski equipment 500 50 500 N/A If you have chosen Gold cover, you will not have to pay the standard excess. However you still have to pay - unreceipted items limit 50/item max. 150 50/item max. 150 the 350 additional screening excess if this is applicable. Piste closure 50/day max. 500 Nil 50/day max.

9 500 N/A If you have made a medical screening declaration and have to pay an additional screening excess, claims under Avalanche cover 50/day max. 500 Nil 50/day max. 500 N/A Cancellation and Curtailment - Section 1 and Emergency medical and associated expenses - Section 2 will have this 350 deduction made in addition to the standard excess applicable. 15. Golf cover Where claims relate to damage of your journey accommodation, the excess under Personal liability - Section 10. Green fees 50/day max. 300 Nil 50/day max. 300 N/A is increased to 250. Delayed golf equipment 100/day max. 300 Nil 100/day max. 300 N/A Level of cover Golf equipment 1,500 50 1,500 N/A The level of cover and optional sections you have chosen will be shown on your insurance confirmation.

10 - single article limit 250 250 s Increased journey cost limit - unreceipted items limit 50/item max. 150 50/item max. 150 If the value of your journey is over 5,000 per person, you can pay an extra premium to increase the cancellation Hole in one cover 75 Nil 75 N/A and curtailment cover under section 1 and the abandonment cover limit under section 9 in 1,000 increments (up to a maximum 20,000). Please contact your Hays Travel adviser for more information. The increased limits 16. Business cover will apply once the extra premium has been paid and shown on your insurance confirmation. Delayed business equipment 150/day max. 500 N/A 150/day max. 500 N/A. Business equipment 1,500 100 1,500 N/A.