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Covid-19 Endorsement (Towergate Active)

 

Pandemic/Epidemic Endorsement

**Please note** The Pandemic/Epidemic Endorsement (covering the likes of COVID-19) is included within your travel insurance if your policy renews or you purchased on or after 1st September 2020

If you currently have a policy and it is NOT due to renew until after 1st September 2020 then the Pandemic/Epidemic Endorsement (covering the likes of COVID-19) is NOT applicable to you UNLESS you have contacted us and requested a Mid-Term Adjustment to include within your cover, paid the additional premium and this can be evidenced in the event of a claim.

It is hereby noted and agreed that the Definitions section of your policy shall now include the following definitions:

Epidemic

A contagious disease recognised by the World Health Organization (WHO) or an official government authority in your home country or your journey destination.

Pandemic

An epidemic that is recognised as being a pandemic by the World Health Organization (WHO) or an official government authority in your home country or your journey destination.

Quarantine

Mandatory confinement, intended to stop the spread of a contagious disease to which you or a travelling companion has been exposed.

 

It is further noted and agreed that Section 1 – Cancellation, shall be amended to read as follows:

Covered

You are covered up to the limit as shown on the Summary of Cover for loss of travel and accommodation expenses, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance:

1. injury, serious illness, death of:

a) you

b) any person with whom you are intending to travel

c) any person with whom you are intending to stay;

d) an immediate relative

e) a close business associate of yours.

NOTE: Under a, b & d above only, this will include being diagnosed with an epidemic or pandemic disease, such as COVID-19.

2. you become pregnant after the date you purchased this policy (or booked your trip whichever is later) and you will be more than 26 weeks pregnant at the start of, or during your trip. Or, if you become pregnant after the date you purchased this policy, and your Medical Practitioner advises that you are not fit to travel due to complications in your pregnancy;

3. you being called for jury service, attending court as a witness (but not as an expert witness), or redundancy (for you or for any person with whom you had arranged to travel);

4. your home or place of business being made uninhabitable, within 14 days of travel, or the police asking to see you after theft from your home which occurred within 14 days of travel;

5. your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursing professions, armed forces, police, fire or ambulance services;

6. If you, or any person with whom you are intending to travel are quarantined before your trip by order or other requirement of a government or public authority, based on their suspicion that you specifically, have been exposed to a contagious disease (including an epidemic or a pandemic disease such as COVID-19).  This does not include any quarantine that applies generally or broadly to some or all of a population or geographical area, or that applies based on where you are traveling to, from or through;

7. This section is extended to cover you if you have to cancel your trip as a result of the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO), the World Health Organisation (WHO) or similar body issuing a directive prohibiting all travel or all but essential travel to the country or specific area or event to which you were booked to travel, providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later).

 

It is further noted and agreed that Section 2 – Curtailment, shall be amended to read as follows:

Covered

You are covered up to the limit as shown on the Summary of Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your early return home in the United Kingdom or the date of your hospitalisation as an inpatient, which have not been used and which were paid before your departure from your home in the United Kingdom. You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to a cause listed below.

1. accidental injury, serious illness, death of:

a) you

b) any person with whom you are intending to travel

c) any person with whom you are intending to stay;

d) an immediate relative

e) a close business associate of yours.

NOTE: Under a, b & d above only, this will include being diagnosed with an epidemic or pandemic disease, such as COVID-19.

2. your home being made uninhabitable or the police requesting your presence following a theft from your home;

3. if you have to curtail your trip as a result of the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO), the World Health Organisation (WHO) or similar body recommending evacuation from the country or specific area in which you are travelling, providing the directive came into force after you purchased this insurance and after you have left the United Kingdom to commence the trip (whichever is the later);

4. In respect of Cruise holidays, you are also covered up to the limit as shown on the Summary of Cover for necessary additional travel expenses incurred for you to reach the next docking port in order to re-join the cruise, or to reach the final destination of the cruise, following your temporary illness or injury requiring hospital treatment on dry land.

 

It is further noted and agreed that Section 3 - Emergency Medical Expenses, shall be amended to read as follows:

 

Covered

You are covered up to the limit as shown on the Summary of Cover for costs incurred

A. Outside the United Kingdom for:

1. emergency medical and surgical treatment and hospital charges  (including necessary physiotherapy, authorised by the Emergency Medical Assistance Service);

2. emergency dental treatment, to relieve pain only, limited to amount shown on the Summary of Cover;

3. reasonable and necessary additional accommodation (room only) and travelling expenses home (Economy Class), including those of one relative or friend if you have to be accompanied home on the advice of the attending medical practitioner or if you are a child and require an escort home;

4. in the event of death, reasonable cost for the conveyance of the body or ashes to the United Kingdom (the cost of burial or cremation in the United Kingdom/Home is not included), or local funeral expenses, as per the limit in the Summary of Cover;

5. Any necessary costs you incur from a specialist local rescue organisation for Search and Rescue and emergency transfer to hospital up to the limit in the Summary of Cover, in the event of an accident whilst you are participating in an insured activity provided you have paid the additional premium for that activity and it is shown on your policy schedule. Search and Rescue costs are covered up to 72 hours from the time at which assistance is first summoned.

NOTE: Under 1, 3, & 4 shown above, cover is included where you are diagnosed with an epidemic or pandemic disease, such as COVID-19, as well as you being subject to compulsory quarantine on the orders of a treating medical practitioner.

 

B. Within the United Kingdom (Annual Multi-Trip cover only).

1. reasonable and necessary expenses incurred in respect of your travel home (Economy Class), or additional

accommodation (room only) for you and one relative or friend should you suffer accidental bodily injury, illness or death whist on a trip within the United Kingdom limited to the amount stated on the Summary of Cover.

 

 

It is further noted and agreed that General Exclusion 17., shall be amended to read as follows:

17. any epidemic or pandemic except as expressly covered under Section 1 – Cancellation, Section 2 – Curtailment, and Section 3 - Emergency Medical Expenses.

 

 

All other terms and conditions remain the same. Please ensure you read your policy wording for full details of what you are covered for.

 

This document now forms part of your policy and should be kept safely with your original documentation.