Summary of cover

Age Concern Travel Insurance includes the following features and benefits‚ which are explained in detail in your policy booklet. Remember there is no upper age limit and you can cover your pre - existing medical conditions wherever possible.

Section	Cover	Limits per person
1	Cancellation‚ Loss of Deposit or Curtailment	£4‚000††
C	Replacement carer expenses	£500
2	Medical & Emergency Expenses (NOT UK TRIPS)	£10‚000‚000†
	UK Trip Non - Medical Emergency Expenses	£10‚000†
1.f	Hospital Inconvenience Benefit	£25/£100 per day up to £500/£2‚500^a
1.g	UK Outpatient costs on returning home (NOT UK TRIPS)	£250
3	Property and Money - overall	£4‚000
A	Personal possessions	£2‚500††
	Single items / pair / set limit	£300
	valuables limit	£600
	sports equipment	£300
B	Delayed Baggage (emergency purchases) after 9 hours delay	£200
C	Money & Travel Documents	£1‚000††
	Cash limit	£300
D	Medical Equipment etc (e.g walking frames‚ wheel chairs	£1‚000††
	and including loaned items)
	Single items / pair / set limit	£500
4	Personal Liability	£2‚000‚000^b
5	Personal Accident
	Death and Permanent Disablement (Under 16's and over	£15‚000
	70 year olds - death benefit limited to £5‚000)
6	Legal Expenses	£25‚000
7	Unexpected Events - overall	£4‚000
A	Travel Disruption	£1‚000††
B	Travel Delay (NOT UK TRIPS)	£100
	Each 8 hours delay	£20
	or you decide to cancel after 12 hours	£4‚000††
C	Kidnap / Hijack	£100 per day up to £2‚500
D	Mugging (involving hospitalisation)	A flat sum of £250
E	Natural Catastrophe (e.g storm‚ flood‚ fire)	£500
	additional accommodation / travel expenses
8	Bond Plus Financial Failure protection limited per person	£1‚500

Section	Winter sports extension	Limits per person
9	Single Trip - Included only if shown on your Schedule Annual Multi- trip - included up to 17 days in total during policy year
A	Ski equipment	£600††
	Pair / set limit	£300
	Hired equipment limit	£150
B	Loss of Ski Pack	£300
C	Ski equipment hire	£30 per day up to £300
D	Piste closure (NOT UK TRIPS)	£30 per day up to £300
E	Avalanche	£300

The following excesses apply as marked:

† £75 excess (except £25 excess for UK trip non medical emergency expenses).
†† £50 excess (£15 excess for loss of deposit or holidays under £100 total cost).
^a £100 per day (£2500 maximum) if treatment is received in a state hospital in the following countries‚ and your medical costs are reduced by using the EHIC; Andorra‚ Balearics‚ Canary Islands‚ Cyprus‚ Greece‚ Malta‚ Spain and Turkey.
^b £250 excess in respect of damage to rented holiday accommodation. Note: Only one excess will apply per claim event and no more than two excesses per couple/family).

How to buy

Call 0845 600 3348* (Please quote ref: ALL 721); lines are open 8am - 8pm Monday to Friday‚ 9am - 5pm Saturday
Visit your local trading Age Concern ** to talk to someone face to face
Buy online

* If you call 0845 for travel insurance‚ you will be dealing with Fortis Insurance Limited‚ which provides and manages Age Concern Travel Insurance.

** Not all Age Concerns offer all Age Concern products. Please check (by telephoning your local office) before arranging a visit.

If you contact an Age Concern office‚ you will be dealing with an Appointed Representative of Age Concern Enterprises Ltd. (ACEnt)‚ 3 - 10 Melton Street‚ London NW1 2EB.

ACEnt is authorised and regulated by the Financial Services Authority (FSA) for Insurance mediation and Fortis Insurance Limited is authorised and regulated by the Financial Services Authority. ACEnt and Fortis Insurance Limited are not in the same group of companies.

Medical exclusions may apply and acceptance is not guaranteed. Terms‚ conditions and exclusions apply to this insurance.

Ref: T593V5JAN09

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Summary of cover

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