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Insurance Terms and Conditions for Republic of Ireland departures
Mondial travel insurance
Important
This policy is available to residents of the Republic of Ireland only. Cover only applies when all or part of your travel arrangements are booked through TUI Travel plc.
Existing medical conditions are not covered unless you have declared them to, and they have been accepted in writing by the insurer.
Please make sure you read this policy and take it with you when you travel.
Contents
Important information about your travel insurance policy
Summary of cover
Health declaration and health exclusions
General exclusions
Sports and leisure activities
24-hour emergency medical assistance
Making a claim
24-hour personal assistance
Making a complaint
Reciprocal health arrangements
Before You Go
Section 1 - Emergency medical and associated expenses
Section 2 - Cancelling or cutting short your trip
Section 3 - Personal belongings
Section 4 - Personal money
Section 5 - Loss of passport
Section 6 - Delayed personal belongings
Section 7 - Missed departure
Section 8 - Delayed departure
Section 9 - Personal accident
Section 10 - Personal liability
Section 11 - Legal expenses
Section 12 - Hijacking
Section 13 - Mugging
Section 14 - Catastrophe
Section 15 - Home care
Section 16 - Home help
Section 17 - Pet care
Section 18 - Winter sports
Section 19 - Golf extension
Section 20 - Wedding extension
Legal and regulatory information
Glossary
IMPORTANT INFORMATION about your Travel Insurance Policy
Thank you for buying Mondial travel insurance.
Your cover
Your booking confirmation shows the cover you have chosen, the people who are covered and any special terms or conditions that may apply. Please check it carefully.
In return for you paying us the insurance premium, we will pay up to the maximum amount shown in the ‘Summary of cover’, for any claim covered under this policy during the period of insurance.
Note
Your policy does not cover everything. You should read this policy
carefully to make sure it provides the cover you need.
Certain words have a special meaning and are highlighted in bold print throughout the policy. The full meanings of these words are explained in the ‘Glossary’ at the end of this policy or within the sections where they appear.
If there is anything you do not understand, please call us on ROI +353 1619 3634 or write to Mondial Assistance (UK) Limited, Mondial House, 102 George Street, Croydon, CR9 1AJ, United Kingdom.
Your duty
You must:
• take all reasonable steps to protect yourself and your property; and
• tell us about anything that could affect your cover or your decision
to take or continue with your trip.
If you do not tell us about something that may be relevant, we may refuse your claims. If you are not sure if something is relevant, please tell us anyway and keep a record of all extra information you give us.
Cancellation rights
If your cover does not meet your requirements, please notify us within 14 days of receiving your booking confirmation and return all your documents for a refund of your premium.
You can contact your original issuing agent whose contact details are shown on your booking confirmation.
If during this 14-day period, you have travelled, made a claim or intend to make a claim, then we can recover all costs that you have used for those services.
Please note that your cancellation rights are no longer valid after this
initial 14-day period.
Summary of cover
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 policy booklet for the full terms and conditions.
| Section of cover | Maximum amount we will pay | Excess | |
| 1 | Emergency medical and
associated expenses Extra travel and accommodation Emergency dental treatment Funeral expenses Excursions Hospital benefit Search and rescue |
€6.5 million |
€125
|
| 2 | Cancelling or cutting
short your trip |
€4,000* |
€125 |
| 3 | Personal belongings Single item pair or set Valuables Tobacco, alcohol and fragrances (perfumes and so on) |
€1,500 |
€125 |
| 4 | Personal money Cash |
€250 |
€125 |
| 5 | Loss of passport | €400 | No excess |
| 6 | Delayed personal
belongings Essential replacement Items |
€65 | No excess |
| 7 | Missed Departure | €400 | No excess |
| 8 | Delayed departure Abandoning your trip |
€75 (€25 after
every full 12 hours
delay then €15 for each extra 12 hour delay.) |
No excess €125 |
| 9 | Personal accident Permanent loss of sight
or limb |
|
No excess |
| 10 | Personal liability | €1.5 million | No excess |
| 11 | Legal Expenses | €15,000 Maximum €30,000 for each policy |
No excess |
| 12 | Hijacking |
€2,000 (€150 a day) | No excess |
| 13 | Mugging |
€2,000 (€150 a day) | No excess |
| 14 | Catastrophe |
€800 | No excess |
| 15 | Home care |
€650 | No excess |
| 16 | Home help |
€300 |
No excess |
| 17 | Pet Care | €650 (€25 a day) | No excess |
Extra cover (only applies when shown on your booking confirmation)
| Section of Cover | Maximum amount we will pay | Excess | |
| 18 | Winter Sports |
€450 €300 €320 (€20 a day) €350 €300 (€30 a day) €300 |
No excess |
| 19 | Golf extension |
|
No excess |
| 20 | Wedding extension Wedding rings Wedding gifts Wedding clothes Wedding photographs and video |
€300 each ring €1,500 each couple €2,000 each couple €1,000 each couple |
€125 €125 €125 €125 |
Notes
Maximum amount we will pay
The most we will pay for each insured person for each trip, unless
it says otherwise.
Excess and Excess Waiver
The amount we will take off for each insured person, for each
section, for each incident claimed for. If you have paid an extra
premium for excess waiver cover, the excess will not apply.
Medical treatment in the UK
There is no cover for medical costs you pay in the UK, except for
emergency dental treatment, or trips to the Channel Islands where
UK National Health Service (NHS) treatment is not available.
Health declaration and health exclusions
If you make a claim arising from a medical condition that has not been declared and accepted by us, it is unlikely that your claim will be paid.
These apply to ‘Section 1 - Emergency medical and associated expenses’ and
‘Section 2 - Cancelling or cutting short your trip’.
It is very important that you read the following
and declare any existing medical conditions to us.
1 You will not be covered for any directly or indirectly related claims arising
from the following if at the time of taking out this insurance, you:
a have been prescribed any medication, received any treatment or
had a consultation with a doctor or hospital specialist in the
past 12 months for any medical condition;
b have ever been diagnosed with or treated for any of the
following, before you bought your policy:
• any cardiovascular problems for example, heart attack, angina, chest pain or palpitations;
• any other heart condition;
• hypertension (raised blood pressure);
• blood clots;
• raised cholesterol; or
• any cerebrovascular problems for example stroke, transient ischaemic attack (TIA) or brain haemorrhage.
c are awaiting treatment for any medical condition or the results of any medical tests or investigations.
Unless
You have declared any existing medical conditions to us and we have accepted cover.
You should contact us as soon as possible after booking your trip at
www.mondialhealthscreen.co.ukor by calling ROI +353 1619 3635 to declare a medical condition or conditions;
This confidential service will be able to confirm if cover can be provided for your medical conditions.
If necessary, we may need you to get extra medical information
(at your cost) from your doctor to see if cover applies. Based on our
assessment of the medical information supplied, we will decide if cover
can be offered, if further terms should be imposed or if cover is offered
subject to payment of an additional premium.
If an additional premium is required, cover will not start until full
payment has been received by us and written confirmation given by us.
If we are unable to cover the medical condition (or conditions), this will
mean that you and any other person insured by us will not be covered
for any directly or indirectly related claims arising from the medical condition (or conditions). This may even
apply if the person with the medical condition (or conditions) purchases
cover from another provider.
Each person insured by us would still be covered for any unrelated
medical condition (or conditions) and other sections of cover subject to
the terms and conditions of this policy.
2 You must be healthy, fit to travel and able to undertake your planned trip.
3
You will not be covered if you travel against the advice of a doctor or where you would have been if you had sought their advice
before beginning your trip.
4
You will not be covered if you know you will need medical
treatment or consultation at any medical facility during your trip.
5
You will not be covered if you had any undiagnosed symptoms for
which you were awaiting investigations or consultations or the
results of investigations and where the underlying cause had not
been established.
6
You will not be covered if you are travelling specifically for the
purpose of obtaining and / or receiving any elective surgery,
procedure or hospital treatment.
Note
This is not a private medical insurance policy and only gives
cover for emergency medical treatment in the event of
accident or unexpected illness occurring during your trip.
General Exclusions
These exclusions apply to the whole of your policy.
1 We will not pay any claim directly or indirectly caused by the following.
a Something you knew about that could affect your cover or your decision to take or continue with your trip. For example:
i your health or the health of a travelling companion (see ‘Health declaration and health exclusions’;
ii strikes or other transport problems; or
iii redundancy.
b War, invasion, act of foreign enemy, hostilities (whether war is
declared or not), civil war, civil commotion, rebellion, revolution,
insurrection, military force, coup d’etat or weapons of mass
destruction (for example, nuclear, chemical or biological).
c You not enjoying your trip or not wanting to travel.
d You making a fraudulent claim. We may in these instances
report the matter to the police.
e The effect of your alcohol, solvent or drug dependency or long
term abuse.
f You being under the influence of solvents or drugs, or doing
anything as a result of using these substances (except drugs
prescribed by a doctor but not for the treatment of drug
addiction).
g You not following any advice or recommendations made by the
Department of Foreign Affairs, World Health Organisation or any government or other
official authority. This includes where certain vaccinations or
other preventative measures (such as malaria tablets) are
recommended. Also see ‘Before you go’ for more
information on how the Department of Foreign Affairs can
help you.
h You taking part in a sports or leisure activity that is not listed or
confirmed in writing as covered.
iYou taking part in a winter sport unless you have paid the extra
premium to include this cover and the activity is listed or
confirmed in writing as covered.
j You travelling outside the area of cover shown on your booking confirmation.
k You committing suicide, injuring yourself or deliberately putting yourself at risk (unless you were trying to save another
person’s life).
l You carrying out any illegal, malicious or criminal acts (including
those where you are under the influence of alcohol), or you breaking the local road traffic regulations.
m You travelling on a motor cycle, unless the rider holds an
appropriate and valid licence and both of you are wearing crash
helmets.
n Travelling in an aircraft, unless you are a passenger in a
fully-licensed, passenger-carrying aircraft.
o Changes in the currency exchange rate.
p Your property being held, taken, destroyed or damaged under
the order of any government or customs officials.
q Ionising radiation or radioactive contamination from nuclear fuel
or nuclear waste or any risk from nuclear equipment.
2 We will not pay claims (except under ‘Section 9 - Personal accident’) for something that is covered by another insurance policy or could be made from someone else. In these circumstances we will only pay our share of the claim.
3 We will not pay any claim for losses that are not directly covered by
the terms of this policy (for example, loss of earnings due to you not being able to work following an illness or injury during your trip, or replacing locks if you lose your keys).
Standard sports and leisure activities
• The following activities are covered at no extra premium.
Abseiling, archery, athletics, ballooning - hot air (organised pleasure rides only), banana boating, bungee jumping, canoeing (up to grade 2 rivers only not white water), climbing wall, cricket, deep sea fishing, football or soccer (children’s club in resort only), glacier walking, golf, high rope activities, hiking (trekking and walking), hockey (under 16’s using plastic sticks), horse riding (not competitions, racing, jumping, hunting, eventing, polo or rodeo), hot air ballooning (organised pleasure rides only), ice skating or blade skating (not speed skating), kayaking (up to grade 2 rivers only, not white water), mountain biking, parascending or parasailing (over water), pony trekking, rap jumping, ringos, roller skating or roller blading (wearing pads and helmets), rowing, sail boarding or windsurfing, safari trekking in a vehicle (organised tour), safari trekking on foot (organised tour), scuba diving to 30m, sledging (pulled by dogs or horses or reindeer as a passenger), snorkelling, surfing, tug of war, volley ball, wake-boarding, water polo, water-skiing, white water rafting (up to grade 3 river), windsurfing or sail boarding, zip-trekking (including over snow), zorbing.
• The following activities are also covered however, cover under
‘Section 10 - Personal liability’ does not apply.
Camel riding, catamaran sailing (if qualified), clay pigeon shooting,
dinghy sailing, elephant riding, go karting, jet boating, jet skiing,
paint balling (wearing eye protection), quad biking, rifle range
shooting, sailing (if qualified and in territorial waters only),
shooting, ski dooing, small bore target shooting, snow mobiling,
yachting (if qualified in territorial waters only),
‘Category A’ sports and leisure activities:
• The following activities are only covered when the extra
premium has been paid for Category A activities.
Dry slope skiing, football or soccer (other than children’s club in
resort), hockey, kite surfing, sand dune surfing or skiing, soccer or
football (other than children’s club in resort), street hockey
(wearing pads and helmets).
• The following activities are also covered when the extra
premium has been paid for Category A activities. However, cover
under ‘Section 10 - Personal liability’ does not apply.
Fencing.
‘Category B’ sports and leisure activities
• The following activities are only covered when the extra
premium has been paid for Category B activities.
American football, rugby, summer (or grass) tobogganing.
‘Category X’ sports and leisure activities
• Your policy does not provide any cover for the following
activities.
Base jumping, black water rafting, bouldering, boxing, canyoning,
caving or pot holing, cave tubing or cave diving, flying (except
passengers in licensed passenger carrying aircraft), free
mountaineering, gliding (no cover for crewing or piloting), hang
gliding, high diving (over 5 metres), hunting (fox or drag),
hydrospeeding, martial arts, micro lighting, motor rallying or motor
sport (all types on land or water), motorbike scrambling or dirt
biking (and any other off road motorbiking), mountaineering (using
ropes or guides), parachuting, paragliding or parapenting,
paragliding, parascending or parasailing (over land), pot holing or
caving, riding on a luge, river bugging, rock climbing, rodeo, shark
diving (in cage), sky diving or sky surfing, water ski jumping, white
water canoeing, white water sledging or hydrospeeding.
There is also no cover for:
- taking part in a sporting activity where the organiser's guidelines
have not been followed;
- any professional sporting activity;
- any kind of racing, except racing on foot; or
- any kind of manual work.
We may be able to cover you for other activities that are not listed. Please contact us on 01619 3634 (textphone: UK +44 20 8666 9562).You may need to pay an extra premium.
Standard winter sports activities
• If you have chosen to include winter sports cover and this is
shown on your booking confirmation, the following activities
are automatically covered.
Skiing (including on dry slopes and indoor ski centres),
snowboarding, big-foot skiing, cross-country skiing, glacier skiing,
monoskiing, off-piste skiing or snowboarding (as long as you are
skiing within the ski area boundaries of a recognised ski resort and
following ski patrol guidelines), sledging, snow blading, snow
tubing, and tobogganing.
‘Category B’ winter sports activities
• The following activities are only covered when the extra premium has been paid for Category B winter sports activities.
Bobsleighing, heli-skiing and ice hockey.
‘Category X’ winter sports activities
• Your policy does not provide any cover for the following
activities.
Cat-skiing, skeleton sledding, ski acrobatics, ski-flying, ski jumping,
ski racing, ski stunting or snowcat skiing, or riding on a luge.
There is also no cover for:
- taking part in a winter sports activity where the organiser's
guidelines have not been followed;
- any professional winter sports activity; or
- any kind of racing.
We may be able to cover you for other activities that are not listed.
Please contact us on 01619 3634 (textphone: UK +44 20 8666 9562).You may need to pay an extra premium.
24-hour emergency medical assistance
Phone: UK +44 20 8603 9910 (from outside the UK)
Textphone: UK +44 20 8666 9562, Fax: UK +44 20 8603 0204
Phone: 020 8603 9910 (from within the UK)
Textphone: 020 8666 9562, Fax: 020 8603 0204
E-mail: international_dept@mondial-assistance.co.uk
Quote Mondial travel insurance (TUI Ireland) and your booking reference.
You must contact us immediately about any serious illness or accident where you have to go into hospital, return home early or extend your stay.
We are open 24 hours a day, 365 days a year.
For minor illnesses or accidents needing simple outpatient treatment where the medical expenses are
under €300, please pay the bills, keep the receipts and
make a claim when you return home.
If you need to make a claim arising from a medical condition that has not been declared and accepted by us, it is unlikely that your claim will be paid.
Emergency medical assistance service
Our experienced multi lingual medical assistance team will take full
details of the emergency and can help in the following ways.
• Contacting hospitals and the doctors who are treating you.
• Monitoring your treatment with our medical advisers.
• Contacting your doctor to confirm your medical history, where
necessary.
• Making sure hospital and medical bills are guaranteed, where you have a valid claim.
• Making sure relatives or travelling companions are kept up to
date.
• Arranging travel and accommodation for someone to stay with you (where medically necessary).
• Deciding and arranging the most suitable, practical and reasonable
way to bring you back home. This will normally be by regular airline
or road ambulance but, where medically necessary, an air
ambulance or air taxi with trained medical escorts will be organised.
We can also arrange for you to be admitted into a UK hospital in the Republic of Ireland.
Note
This is not a private medical insurance policy and only gives cover
for emergency medical treatment if you have an accident or suffer
an unexpected illness.
Claim forms can be downloaded from the website: www.mondialtravelclaims.com
Alternatively,
Phone: 01619 3633
Textphone: UK +44 20 8666 9562
(Lines are open 9am to 4pm, Monday to Friday) or
E-mail: travel_claims@mondial-assistance.co.uk
Quote Mondial travel insurance (TUI Ireland) and your booking reference.
Or, you can ask for a claim form by writing to:
Travel Claims
Mondial travel insurance
PO Box 1900
Croydon
CR90 9BA
United Kingdom
Claims service
Please fill in and return the claim form with all the information and
documents we have asked for, as soon as possible.
For all claims we will need the following.
• Your trip booking invoice (or invoices) and travel documents
showing the dates and times of travel.
• Original receipts and accounts for all out-of-pocket expenses you have paid.
• Original bills or invoices.
• Details of any other insurance you may have that may cover the
same loss, such as home or private medical insurance policies.
• As much evidence as possible to support your claim.
Note
You will often need to gather some information about your claim
while you are away.
Under each section of cover there is a box called ‘What we will need
if you make a claim’. This gives details of the extra information we need for each type of claim.
24-hour personal assistance
We will help (where possible) to give you all the emergency contact
numbers you need to report lost or stolen items while you are on your trip. This includes
• contact numbers of the bank or building society that you haveyour debit or credit card with;
• contact numbers for your mobile phone network provider;
• contact numbers for International directory enquiries;
• contact numbers to arrange an emergency fund transfer from a
friend or family member;
• details of who to contact to arrange an emergency passport;
• basic assistance on availability of local medical services, if your holiday representative cannot help.
Phone: UK +44 8603 9910 (from outside the UK)
Textphone: UK +44 20 8666 9562, Fax: +44 20 8603 0204
Phone: 020 8603 9910 (from within the UK)
Textphone: 020 8666 9562, Fax: 020 8603 0204
E-mail: international_dept@mondial-assistance.co.uk
Quote Mondial travel insurance (TUI Ireland) and your booking reference.
We are open 24 hours a day, 365 days a year.
We always aim to provide you with first-class service. However, we know that things can sometimes go wrong and there may be times when you feel we have not done so. If this is the case, please tell us, so that we can do our best to sort out the problem.
Please write to:
The Quality Standards Manager
Mondial Assistance Europe NV
C/O Mondial House
102 George Street
Croydon
CR9 1AJ
United Kingdom
Telephone: +44 20 8603 9853
To help us deal with your complaint as quickly and efficiently as
possible, please tell us your name, address, phone number, booking
reference and claim reference and enclose copies of relevant
correspondence.
If you are not satisfied with our final response, you can refer the
matter to the UK Financial Ombudsman Service.
If you make a complaint, your legal rights will not be affected.
Reciprocal health arrangements
European Health Insurance Card (EHIC)
• If you are travelling to other EU or European Economic Area (EEA) countries we would advise you to obtain the European Health Insurance Card (EHIC) which will entitle you to certain free health arrangements in the EEA.
• Information about EHIC can be obtained from the Health Service Executive. Visit www.hse.ie or call the HSE info Line on 1850 24 1850.
Australia
• When travelling to Australia, you can enrol in Medicare which will
entitle you to hospital treatments and medicines at a reduced cost.You can do this by contacting a local Medicare office in Australia.
• If you want to claim a refund of costs under the Medicare scheme, you must do this before you leave Australia. For more information
on Medicare visit www.medicareaustralia.gov.au or e-mail medicare@medicareaustralia.gov.au.
If you make use of these arrangements or any other worldwide
reciprocal health arrangement which reduces your medical expenses,you will not have to pay an excess.
Before You Go
We are working with the Department of Foreign Affairs to help Irish travellers stay safe while abroad.
Before you travel abroad, visit the Department of Foreign Affairs
website at www.foreignaffairs.gov.ie. It is packed with essential travel
advice and tips, plus up-to-date information about different countries.
Note
You will not be covered under this policy if you do not follow any advice
or recommendations made by the Department of Foreign Affairs.
Section 1 - Emergency medical and associated expenses
If you are taken into hospital or you think you may have to come home early or extend your trip, you must contact us immediately. Phone UK +44 20 8603 9910 (from outside the UK) or 020 8603 9910 (from within the UK).
What you are covered for
We will pay you or your personal representatives up to the amount
shown in the summary of cover for the following necessary and unforseen emergency
expenses if you die, are injured have an accident or are taken ill during your trip.
Treatment
• Medical, surgical, medication costs, hospital, nursing home or
nursing services.
Extra travel and accommodation
• Extra travel and accommodation for you and any one other person
who stays or travels with you or to you from the Republic of Ireland when
medically necessary. This includes your repatriation to your home if medically necessary.
Funeral expenses
• Transporting your body or ashes to your home or for your funeral
expenses, in the place where you die outside the Republic of Ireland.
Search and rescue
• Mountain search and rescue services when medically necessary.
We will also pay up to the amount shown in the summary of cover for
the following:
Hospital benefit
• If you are in hospital as an inpatient during your trip as well as any
fees or charges paid under ‘Treatment’.
Dental
• For emergency dental treatment to relieve sudden pain.
Excursions
• For your excursions that have been paid for and that cannot be
recovered from anywhere else, if you get written advice from a doctor that you cannot go on them, because of an injury or illness
during your trip.
What you are not covered for
• Any medical condition set out under ‘Health declaration and health exclusions’, unless you have declared it and we have
accepted it.
• The policy excess as shown in the summary of cover.
• Any claim where you do not take your prescribed medication or
follow vaccinations or other preventative measures (such as
malaria tablets) as recommended by:
- your doctor before you travel;
- the doctor treating you while you are away.
- the Foreign and Commonwealth Office, World Health
Organisation or any government or other official authority.
• The cost of:
- services or treatment that we have not agreed, and, in the
opinion of the doctor treating you or our medical advisers
(or both), can wait until you return to the Republic of Ireland;
- treatment which is not directly related to the illness or injury
that caused the claim;
- taxi fares and phone calls (including mobile calls);
- meals, beverages and car hire, unless agreed by us;
- having a single or private room, unless agreed by us;
- replacing any medication you were using when you began your trip;
- travel and accommodation of a higher standard than those originally booked for your trip, unless agreed by us;
- travel and accommodation for more than one person to stay
with you or travel to be with you from the Republic of Ireland, if medically
necessary;
- services or treatments you receive within the Republic of Ireland (except
emergency dental treatment);
- your burial or cremation within the Republic of Ireland or the UK; or
- dental work not needed in an emergency, replacing or
repairing false teeth or artificial teeth (such as crowns), or any
work involving the use of precious metals.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 1
• This is not a private medical insurance policy and only gives cover
for emergency medical treatment if you have an accident or suffer
an unexpected illness.
• With you or your Personal Representative's written permission, we will contact your doctor to
confirm your medical history to help us deal with any claim. We can also ask for you to be medically examined or for a postmortem
to be carried out if you die.
• To help us to recover any payment we have made under this policy,we can ask you to give us information and fill in any forms
(including Department of Social and Family Affairs forms). We can also take legal action in your name (but at our expense).
• If your claim is reduced because you used a European Health
Insurance Card (EHIC) or any other reciprocal health arrangement, you will not have to pay the excess.
• If our medical advisers think it is medically necessary to bring you back home, we will decide on the most suitable, practical and reasonable way to do this. This will normally be by regular airline or road ambulance, but where medically necessary, an air ambulance or air taxi with trained medical escorts will be arranged. We can also arrange for you to be admitted into a hospital in the Republic of Ireland.
• The doctor treating you must provide a certificate confirming that you are fit to travel. Without this, airlines can refuse to carry any ill or injured person.
• If you refuse treatment or refuse to return home to the Republic of Ireland when the doctor treating you and our medical advisers agree that you are fit to travel, we will not pay any further costs or expenses and all cover for this trip will end unless we agree otherwise.
The only exception to this is where your illness or injury is during a
long trip, you are discharged from hospital and both the doctors treating you and our medical advisers agreed that you are fit to
continue with your booked trip. In this situation, we will continue
cover, as long as the maximum costs relating to this illness or injury
(for example, for outpatient appointments) are no more than we would have paid to bring you back home early.
• If there is a dispute between our medical advisers and the doctor treating you, we will ask for an independent medical opinion.
What we will need if you make a claim
• Medical evidence from the doctor treating you to confirm the illness or injury and treatment given, including the dates you were admitted to and discharged from hospital (if appropriate).
• A medical certificate if you cannot go on any pre-booked excursions because of illness or injury.
• Original receipts and accounts for all medical treatment and other expenses you have paid or have agreed to pay.
• General information set out in the ‘Making a claim’ section.
Section 2 – Cancelling or cutting short your trip
If you think you may have to come home early, you must contactus immediately. Phone UK +44 20 8603 9910 (from outside the UK) or 020 8603 9910 (from within the UK).
Meaning of words in section 2
Redundancy / redundant
Loss of permanent paid employment (except in cases of voluntary redundancy), after continuously working with the same employer for
at least two years if you are aged 18 and over or 65 and under.
What you are covered for
We will pay up to the limit shown in the summary of cover if you have to cancel or cut short your trip in the following necessary and unavoidable circumstances.
Cancellation
If you have to cancel your trip for the following reasons which were
not known at the time you bought your policy or booked your trip (whichever is later).
• The death, serious injury or serious illness of you, someone you were going to stay with, a travelling companion, or a close relative
or business colleague of you or a travelling companion.
• You or a travelling companion is called for jury service in the Republic of Ireland or as a witness in a court in the Republic of Ireland.
• You or a travelling companion is needed by the police following a
burglary, or damage caused by serious fire, storm, flood, explosion,
subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the Republic of Ireland.
• You or a travelling companion being advised not to travel by a doctor as a result of pregnancy.
• You or a travelling companion cannot comply with the transport
providers terms and conditions of carriage, because of a pregnancy
that you find out about after you bought your policy.
• You are a member of the Armed Forces, Police, Fire, Nursing or
Ambulance services or work for another
Government Department, and your employer withdraws your previously agreed leave for
operational reasons.
• Your redundancy.
Cutting short your trip
You cut short your trip for the following reasons which were not
known at the time you began your trip.
• Anything mentioned under ‘Cancellation’ except redundancy.
• You are injured or ill and are in hospital for the rest of your trip.
What you are not covered for
Under Cancellation and Cutting short your trip
• Any medical condition set out under ‘Health declaration and health exclusions’, unless you have declared it and we have
accepted it.
• The policy excess as shown in the summary of cover.
• Anything caused by:
- you not having the correct passport or visa;
- your transport provider's refusal to allow you to travel for
whatever reason;
- you not wanting to travel or not enjoying your trip; or
- the company or person you booked the trip with (or their
agents) being made bankrupt.
• Something the company or person you booked the trip with (or
their agents) are responsible for.
• More than the minimum market value of equivalent admission or
travel tickets, if you originally bought them using an airline
mileage or similar points reward scheme.
Under Cancellation
• Any extra cancellation charges, because you did not tell the
company or person you booked the trip with, as soon as you knew you had to cancel.
• You not being able to afford the trip, except where you are made
redundant and were only made aware of this after the date you bought your policy or booked your trip (whichever is later).
Under Cutting short your trip
• Cutting short your trip, unless we have agreed.
• Costs for you to come home because of illness or injury whenyou did not get a medical certificate from the doctor treating you that says it was medically necessary for you to come home
and we agreed to this.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 2
Cancellation
• You must cancel the trip as soon as you know you are unable to go.
Cutting short your trip
• You must contact the 24-hour emergency assistance service before you return home and they must agree to the reason for cutting
the trip short.
• If you have to cut short your trip, we will work out the unused
value of your trip from the date it is necessary for you to return
home early to the Republic of Ireland or the date you go into hospital as an
inpatient, for the rest of your trip.
• We will pay unused trip costs (but not your unused return travel
tickets if we paid for new tickets) based on each complete 24-hour
period you have lost.
What we will need if you make a claim
• Your original cancellation invoice (or invoices) showing all
cancellation charges.
• Full details of the reason why you had to cancel or cut short your trip.
• A medical certificate, filled in by the doctor treating you (cutting
short your trip) or your doctor in the Republic of Ireland (cancellation) confirming the
illness or injury of the person causing you to cancel or cut short your trip.
• A certified copy of the death certificate, where appropriate.
• General information set out in the ‘Making a claim’ section.
Section 3 – Personal Belongings
Meaning of words in section 3
Fragile items
China, glass, pottery or other fragile items that are likely to break
easily.
Pair or set
A number of items of personal belongings that belong together or
can be used together (for example, matching necklace and earrings,
photographic equipment or a set of golf clubs).
Personal belongings
Luggage, clothes, valuables, sports equipment (not including ski
equipment) and any other items that you wear, use or carry that
belongs to you or that you are legally responsible for.
Unattended
Personal belongings that are not in your full view unless they are
locked in the accommodation you are using on your trip or they are
out of sight in the locked boot, locked roof box or in the glove
compartment or covered luggage area of a locked motor vehicle.
Valuables
Jewellery, watches, items made of or containing precious metals, or
precious or semi-precious stones, furs, binoculars, telescopes,
computer games, any kind of photographic, audio, video, computer,
television, fax and phone equipment (including mobile phones,
memory sticks and cards), personal media players (including MP3s
and MP4s), PDAs, satellite navigation equipment, electronic games,
TVs and CDs, mini discs, DVDs, cartridges, video and audio tapes.
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover if your personal belongings are lost, stolen or damaged.
What you are not covered for
• The policy excess as shown in the summary of cover.
• Loss or theft of personal belongings, unless you have reported
it to the police within 24 hours of discovery and been given a
written police report.
• Loss or theft of, or damage to, the following:
- personal belongings while in the possession of your transport
provider, unless you have reported it to them within seven days
of discovery and they have given you a property irregularity
report (PIR) or other similar written confirmation detailing:
- the damage;
- the temporary loss; and / or
- the permanent loss;
- items where you are unable to provide receipts or other
proof that you bought or own the items and proof of the
value;
- unattended personal belongings;
- valuables, unless they are on your person, locked in a safe
or safety deposit box (if one is available) or locked in the
accommodation you are using on your trip;
- valuables packed in suitcases, trunks or similar containers.
- valuables left in a motor vehicle;
- any films, tapes, cassettes, computer games, electronic
games, mini-discs, DVDs, video and audio tapes, cartridges or
discs, that are not pre-recorded and released for public
purchase.
• More than the value of the part of the pair or set that is lost,
stolen or damaged.
• Claims for more than one mobile phone for each insured person.
• Breakage or damage to:
- fragile items; or
- sports equipment while it is being used.
• Loss or damage due to wear and tear and the process of
cleaning.
• Damage caused by the contents of bottles or other containers
leaking or breaking.
• The cost of replacing or repairing false teeth.
• More than €50 for tobacco, alcohol, fragrances and perfumes.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 3
• This policy covers the value of the items at the time they were
lost or stolen, and not the cost of replacing them. This means we will take off an amount for wear and tear from the original
cost. We may choose to repair the item or replace it with an
equivalent item.
• There is a limit for single items (or pair or set of items) and a valuables limit, and this policy may not provide enough cover for
expensive items such as jewellery or computer, audio or
photographic equipment. These items can usually be insured under
the ‘All risks’ section of your home contents policy.
• If your personal belongings are lost, stolen or damaged while in the possession of the transport provider, you must get a property irregularity report
(PIR) or other similar written confirmation from them within seven days of discovery detailing:
- the damage;
- the temporary loss; and / or
- the permanent loss.
You might be able to claim directly with the transport provider, by writing to them
within 21 days of the damage or loss.
• You should keep any damaged items as we may need to inspect
them. If we make a payment, or we replace an item, the damaged
item will then belong to us.
What we will need if you make a claim
• A written police report confirming full details of the loss or theft.
• A written report from your travel representative or accommodation
manager, if appropriate.
• A property irregularity report (PIR) or other similar written
confirmation from the transport provider detailing
- the damage;
- the temporary loss; and / or
- the permanent loss.
• For lost, stolen or damaged items, original receipts or other suitable
proof that you bought or own the items, and proof of the value .
• An estimate of the costs of repairing all damaged items.
• General information set out in the ‘Making a claim’ section.
Meaning of words in section 4
Personal money
Cash, cards, tickets or vouchers which have a monetary value (for
example phone-cards, gift vouchers, admission and travel tickets).
These must all be held for private and not business purposes.
Cash
Coins and notes that can legally be used as currency in any country.
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover if your personal money is lost, stolen or damaged.
What you are not covered for
• The policy excess as shown in the summary of cover.
• Loss or theft of personal money unless:
- you have reported it to the police within 24 hours of
discovery and been given a written police report;
- it is on your person, locked in a safe or safety deposit box (if
one is available) or locked in the accommodation you are
using on your trip; or
- you are able to provide foreign exchange receipts, withdrawal
slips or statements from a bank or bureau de change
confirming the amount, currency and when and where you got the cash.
• Loss caused by a reduction in exchange rates or shortage caused
by mistakes in exchanging currency.
• Loss or theft of travellers cheques if a replacement service is
provided.
• More than the minimum market value of equivalent admission or
travel tickets, if you originally bought them using an airline
mileage or similar points reward scheme.
Please read the general exclusions that also apply.
What we will need if you make a claim
• A written police report confirming full details of the loss or theft.
• A written report from your travel representative or accommodation
manager, if appropriate.
• Original foreign exchange receipts, cash withdrawal slips or
statements from a bank or bureau de change confirming the amount,
currency and when and where you got the cash.
• General information set out in the ‘Making a claim’ section.
Section 5 - Loss of passport
What you are covered for
We will pay up to the limit shown in the summary of cover for the
following if your passport is lost or stolen during your trip.
• A temporary replacement passport.
• Any extra costs for travel and accommodation.
• The remaining value of your original passport.
What you are not covered for
Any claim, unless you get a letter from the local embassy or
consulate you reported the loss to.
Special conditions and notes applying to section 5
The remaining value of your passport will be based on the current
cost of a new passport and how long your original passport would
have been valid for.
What we will need if you make a claim
• Written confirmation from the local embassy or consulate where
the loss happened, which gives details of the date the passport
was lost, and when it was reported and replaced. You should also
get a written report from the police.
• Original receipts and accounts for the temporary passport and, if
appropriate, any extra costs for travel and accommodation.
• General information set out in the ‘Making a claim’ section.
Section 6 - Delayed personal belongings
Meaning of words in section 6
Personal belongings
Luggage, clothes, valuables, sports equipment (not including ski equipment) and any other items that you wear, use or carry that
belong to you or that you are legally responsible for.
Valuables
Jewellery, watches, items made of or containing precious metals, or
precious or semi-precious stones, furs, binoculars, telescopes,
computer games, any kind of photographic, audio, video, computer,
television, fax and phone equipment (including mobile phones,
memory sticks and cards), personal media players (including MP3s
and MP4s), PDAs, satellite navigation equipment, electronic games,
TVs and CDs, minidiscs, DVDs, cartridges, video and audio tapes.
What you are covered for
We will pay up to the limit shown in the summary of cover for essential
replacement items, if your personal belongings are temporarily lost or
delayed by your transport provider on your outward trip for more than
12 hours after you arrive at your destination.
What you _ are not covered for
• Temporary loss or delay of valuables
• Temporary loss or delay of personal belongings on your return trip to the Republic of Ireland.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 6
• You must get a property irregularity report (PIR) or other similar
written confirmation from the transport provider within seven days of discovery detailing the temporary loss. You might be able to claim
directly with the transport provider, by writing to them within 21 days of the temporary loss.
• If the items are permanently lost, we will take off any amount that you are due to be paid under this section from the final claim
settlement under ‘Section 3 - Personal belongings’.
What we will need if you make a claim
• A property irregularity report (PIR) or other similar written
confirmation from the transport provider detailing the temporary loss.
• Receipts for essential replacement items that you buy.
• General information set out in the ‘Making a claim’ section.
Meaning of words in section 7
Departure point
The airport, station or port where;
• your outward trip to your destination begins;
• any connecting or other pre-booked flights or other transport
begins if your trip has more than one destination or connection; or
• your return trip back home begins (including any connecting
transport you take later).
What you are covered for
We will pay up to the limit shown in the summary of cover for the
extra cost of travel and accommodation if you miss your booked
departure because you do not get to your departure point on time
as a result of:
• public transport (including scheduled flights) not running to its
timetable; or
• the vehicle you are travelling having an accident or breaking down; or
• the vehicle you are travelling in being involved in a traffic jam.
What you are not covered for
• Any claim;
- if you did not leave enough time to arrive at your departure
point;
- if you have made travel arrangements independently from
those included on your package holiday, and not left more
than three hours between the arrival of your flight or other
transport and the departure of any connecting flight or other
transport;
- if you could reasonably have made other travel arrangements
to reach your departure point in time; or
- unless you get written confirmation of the reason for the
delay.
• Any delay or failure of public transport caused by a riot, strike or
industrial action which began or was announced before you bought your policy or booked your trip (whichever is later).
Please read the general exclusions that also apply.
Special conditions and notes applying to section 7
You must get written confirmation of the reason for the delay - for
example, a breakdown service report if your vehicle breaks down,
police confirmation of unexpected motorway or road closures, or a
public transport provider’s confirmation that the service did not run
on time.
What we will need if you make a claim
• Full details of the circumstances causing you to miss your departure.
• Written confirmation of the reason for the delay - for example, a
breakdown service report if your vehicle breaks down, police
confirmation of unexpected motorway or road closures or public
transport provider’s confirmation that the service did not run on
time.
• General information set out in the ‘Making a claim’ section.
Meaning of words in section 8
Departure point
The airport, station or port where;
• your outward trip to your destination begins;
• any connecting or other pre-booked flights or other transport
begins if your trip has more than one destination or connection; or
• your return trip back home begins (including any connecting
transport you take later).
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover
for the following.
Delayed departure
• Your booked transport is delayed at the departure point for more
than 12 hours because of:
- a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural
defect.
Abandoning your trip
• You abandon your trip, after you have been delayed for more
than 12 hours at your outward departure point because of
reasons decribed under ‘Delayed departure’ above.
What you are not covered for
Under ‘Delayed departure’ and ‘Abandoning your trip’.
• Claims for both delayed departure and an abandoned trip.
• Anything that is caused by you not checking in at the departure
point when you should have done.
• Any delay caused by a strike or industrial action which began or
was announced before you booked your trip or bought your policy (whichever is later).
• Any claim where you do not get written confirmation from the
transport provider of the reason for the delay
and the actual departure time.
Under ‘Abandoning your trip’
• The policy excess as shown in the summary of cover.
• Claims unless the actual departure time was more than 12 hours
later than the time shown in your trip booking.
• More than the minimum market value of equivalent admission or
travel tickets, if you originally bought them using an airline
mileage or similar points reward scheme.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 8
You can only claim for either delayed departure or abandoning your trip.
What we will need if you make a claim
• Written confirmation from the transport provider or their handling
agent, which gives details of the scheduled and actual departure
times and why the departure was delayed.
• For abandoning your trip claims we will also need all the
information set out under ‘Section 2 - Cancelling or cutting short your trip’.
• General information set out in the ‘Making a claim’ section.
Section 9 - Personal accident
Meaning of words in section 9
Accident
An unexpected event caused by something external and visible, that
causes a physical bodily injury which, within 12 months, results in one
of the following.
• Death.
• Total and permanent loss of sight in one or both eyes.
• Total and permanent loss of use of a limb.
• Permanent and total disablement.
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover if you have an accident during your trip.
What you are not covered for
• Any claim that has not arisen as a result of an accident.
• Any claim you make more than one year after the accident.
• More than one of the payments shown in the summary of cover,
resulting from the same accident.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 9
We will make death benefit payments to your personal representative.
What we will need, if you make a claim
• A detailed account of the circumstances surrounding the accident,
including photographs and video evidence, police report, witness
details and statements, where appropriate.
• Medical evidence from the doctor who has treated you, to confirm
the seriousness of the injury and treatment given (including dates
of when you were admitted to and discharged from hospital).
• A certified copy of the death certificate, if appropriate.
• General information set out in the ‘Making a claim’ section.
Section 10 - Personal liability
What you are covered for
We will pay up to the limit shown in the summary of cover if you accidentally injure someone or damage someone else’s property and
are legally liable.
What you are not covered for
• Any fines or exemplary damages (fines that punish, or aim to punish, the person responsible, rather than awarding
compensation to the victim) you have to pay.
• Liability arising from any of the following.
- Death or injury of people who work for you, a travelling companion or a member of your family.
- Loss of or damage to property, including temporary holiday accommodation, that is owned by you, a travelling companion, a member of your family or someone who works for you.
- Your business, trade, profession, job or any other activity you do for financial benefit.
- Your involvement in manual work of any kind
- You owning, using or having control of;
- animals;
- firearms (except sporting guns used in a controlled environment and suitably supervised - for example, clay pigeon shooting);
- motorised or mechanical vehicles and any trailers attached to them;
- aircraft; or
- motorised watercraft or sailing vessels (see ‘Special conditions and notes applying to section 10’ if your trip is
an organised boating or sailing holiday).
Please read the general exclusions that also apply.
Special conditions and notes applying to section 10
If you are using a motorised or mechanical vehicle while on your trip, you must make sure that you get the necessary insurance as this is
not covered under this policy.
You or your personal representatives must tell us as soon as you or your personal representatives are aware of a possible legal claim, prosecution,
inquest or injury, which might lead to a claim under this section.
You must not negotiate, pay, settle, admit or deny any liability to
anyone else, without first getting our written permission.
If your trip is an organised boating or sailing holiday, you will only be
covered for loss or damage that happens when the boat is not moving.
What we will need if you make a claim
• A detailed account of the circumstances surrounding the claim
including photographs, video and medical evidence, where
appropriate.
• Full details of any police report and witnesses (providing written
statements where available).
• Any writ, summons or other correspondence you receive from
anyone else about your claim.
• General information set out in the ‘Making a claim’ section.
Meaning of words in section 11
The solicitor or appropriately qualified person, firm or company,
including us, who is chosen to act for you in your claim for
compensation.
Legal action
Work carried out to support a claim that we have agreed to. This
includes settlement negotiations, hearings in a civil court, arbitration
and any appeals resulting from these hearings, but not any
applications you make;
• to the European Court of Justice, European Court of Human
Rights or a similar international organisation; or
• to enforce a judgment or legally binding decision.
Legal costs
• Fees or related expenses (including any appropriate taxes) we agree to pay in connection with your legal action.
• Any costs which you are ordered to pay by a court or arbitrator
(other than damages, fines and penalties).
• Reasonable extra travel and accommodation costs if you have to
go to a foreign court in connection with your legal action
What you are covered for
We will pay up to the limit shown in the summary of cover for you or your personal representative to have an appointed adviser take legal
action to claim damages or compensation for negligence against
someone else, if you are ill, injured or die.
What you are not covered for
Any claim;
• not reported to us within 90 days after the event causing the
claim:
• where we think a reasonable settlement is unlikely or where the
cost of the legal action could be more than the settlement;
• involving legal action between members of the same household,
a relative, a travelling companion, or one of your employees;
• where another insurer or service provider has refused your claim
or where there is a shortfall in the cover they provide; or
• against a travel agent, trip provider or carrier, us, the insurer,
another insured person by this policy or our agents.
Legal costs:
• for legal action, or legal costs that we have not agreed to;
• if you refuse a reasonable settlement for your claim (in this
case, you should use alternative resolution facilities, such as
mediation);
• if you withdraw from a claim without our agreement (in this
case, you must repay any legal costs that we have paid and all legal costs will become your responsibility);
• you have to pay under a contingency fee arrangement (an
arrangement where the appointed adviser takes a percentage
of any compensation awarded, as their fee);
• awarded as a personal penalty against you or the appointed
adviser (for example, for not keeping to court rules); or
• for bringing legal action in more than one country for the same
event.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 11
• We will nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be
referred to an alternative resolution facility, such as mediation.
• You must carry out your claim in whatever way the appointed
adviser suggests.
• You must keep us and the appointed adviser fully aware of all
facts and correspondence you receive, including any claim
settlement offers you are made.
• You should not reply to any correspondence from anyone else
about your claim, without our written permission.
• We can take legal action in your name (but at our expense) and
ask you to give us details and fill in any forms (including
Department of Foreign Affairs forms), which will help us to
recover any payment we have made under this policy.
• We will not be bound by any promises or guarantees you give to
the appointed adviser or any other person about paying fees or
expenses, without our permission.
• We can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of the legal action could be more than the settlement.
• You or your personal representative must repay us the legal costs from the compensation received. Any repayment will not be more
than half of the total amount of compensation.
What we will need if you make a claim
• A detailed account of the circumstances surrounding the claim,
including photographs and video evidence (if available within 90
days of the event causing the claim).
• Any writ, summons or other correspondence you receive from
anyone else about your claim.
• Full details of any witnesses, providing written statements where
available.
• General information set out in the ‘Making a claim’ section.
Section 12 - Hijacking
What you are covered for
We will pay up to the limit shown in the summary of cover if you are
held hostage.
What you are not covered for
• Any claim that cannot be confirmed by an independent source.
Please read the general exclusions that also apply.
What we will need if you make a claim
• Written evidence from an independent source confirming full details
of the hijacking and how long you were held hostage
• General information set out in the ‘Making a claim’ section.
What you are covered for
We will pay up to the limit shown in the summary of cover if you are mugged and treated as an inpatient in hospital.
What you are not covered for
• Any incident that you have not reported to the police and been
given a written report.
• Claims where you are treated as an outpatient or where you were an inpatient for less than 24 hours.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 13
Payments under this section are added to the cover under ‘Section 1 -
Emergency medical and associated expenses’.
What we will need if you make a claim
• A written police report confirming the mugging.
• Medical evidence from the doctor who treated you, to confirm the
injury and treatment given (including the dates you were admitted
to and discharged from hospital).
• General information set out in the ‘Making a claim’ section.
What you are covered for
We will pay up to the limit shown in the summary of cover if you are forced to change any part of your trip booking due to fire, lightning, explosion, earthquake, storm, avalanche, hurricane, flood or medical epidemic.
What you are not covered for
• Any claim where the local or national authorities confirm that it
is safe to travel to or stay in the area.
• Expenses that you can claim from elsewhere.
Please read the general exclusions that also apply.
What we will need if you make a claim
• Written evidence from the local or national authorities confirming
full details of the catastrophe.
• Original receipts and invoices for any extra costs for travel and
accommodation.
• General information set out in the ‘Making a claim’ section.
Section 15 - Home care
You can call our 24-hour Homecare helpline 365 days a year for assistance if a problem occurs at your home during your trip on:
From within the UK: Phone 020 8603 9909
Textphone 020 8666 9562
From outside the UK: Phone UK +44 20 8603 9909
Textphone UK +44 20 8666 9562
Please give us your booking reference number. Say that you are a
insured with Mondial travel insurance (TUI Ireland).
What you are covered for
We will pay up to the limit shown in the summary of cover to make your home secure following a fire, water leak or burglary at your home, while you are on your trip.
What you are not covered for
• Any work which we have not authorised.
• Repairs to the central heating system where it has not been
regularly serviced according to the manufacturer's instructions.
• Repairs where the fault occurs outside the boundaries of your home.
• Any claim directly or indirectly relating to
- hard water scale deposits;
- subsidence, landslip or heave;
- damage incurred in getting into your home;
- damage to the home contents; or
- claims that are as a result of a repair that we had arranged.
Please read the general exclusions that also apply.
What we will need if you make a claim
• Written confirmation from the company repairing your home confirming costs resulting from either fire, flood, or theft.
Section 16 - Home help
What you are covered for
We will pay up to the limit shown in the summary of cover if you need
home help when you return to the Republic of Ireland, or when you leave hospital in
the Republic of Ireland, after an illness or injury during your trip.
What you are not covered for
• Any claim;
- that has nothing to do with the illness or injury, that
happened during your trip;
- if we have not agreed to pay for a claim under ‘Section 1 -
Emergency medical and associated expenses’ relating to the
same accident or illness; or
- where you needed home help before you began your trip.
Please read the general exclusions that also apply.
What we will need if you make a claim
• Medical evidence from your doctor in the Republic of Ireland treating you to
confirm your illness or injury needs home help assistance.
What you are covered for
We will pay up to the limit shown in the summary of cover if for extra
kennel or cattery costs if your return trip is delayed because of death,
illness or injury or if your booked transport is late in arriving home.
What you are not covered for
Please read the general exclusions that also apply.
What we will need if you make a claim
• Original receipts or invoices for extra costs.
• Written confirmation from the transport provider or their handling
agent, which gives details of the scheduled and actual arrival times
and why the transport was delayed, if appropriate.
• Medical evidence from the doctor who treated you, to confirm the
injury and treatment given (including the dates you were admitted
to and discharged from hospital).
• A certified copy of the death certificate, where appropriate.
• General information set out in the ‘Making a claim’ section.
This section of cover only applies if you have chosen to include it and paid the extra premium. Your booking confirmation will confirm if you have this cover.
Meaning of words in section 18
Ski equipment
Skis, snowboards, boots, bindings, poles and ice skates. Items that you have hired or borrowed and are legally responsible for are also covered.
Ski pack
Hired ski equipment, ski school fees and lift passes.
Winter sports
See Sports and leisure activities section for a full description of the activities covered.
What you are covered for
We will pay you up to the limit (or limits) shown in the summary of
cover for the following.
Ski equipment
• If your ski equipment is lost, stolen or damaged during your trip.
Hire of other ski equipment
• Costs to hire other ski equipment if yours is;
- temporarily delayed or lost on your outward trip for more than
12 hours after your arrival;
- lost, stolen or damaged.
Ski pack
• If you have no choice but to cancel or cut short your trip.
• If you cannot ski because of an illness or injury.
Piste closure
• If you are unable to ski or snowboard at your pre-booked resort
due to bad weather conditions.
Avalanche
• If you need extra travel and accommodation to get to your pre-booked resort or return home because of an avalanche.
What you are not covered for
Under ‘Ski equipment’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 3 - Personal belongings’.
Under ‘Hire of other ski equipment’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 6 - Delayed personal belongings’.
Under ‘Ski pack’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 1 - Emergency medical and
associated expenses’ and within ‘Section 2 - Cancelling or cutting
short your trip’.
Under ‘Piste closure’
• Any compensation for the first full 24 hours at your booked ski
resort.
• Any trip in the UK.
• Any claim unless you have a letter from the ski-lift or ski-school
operators giving the reason for closing the piste and showing the
number of days the piste was closed.
• Claims where your trip provider or other provider has provided
compensation.
• For policies or trips booked less than 14 days before the start of your trip if the ski-lifts or ski-schools in your pre-booked resort
were closed and the resort reports said this would continue.
• Any trip that takes place outside a recognised ski resort or the
official resort opening dates.
Under ‘Avalanche’
• Unless you get a letter from the relevant authority, your trip
provider or other provider confirming the event.
• Claims where your trip provider or other provider has paid
compensation, or extra travel and accommodation costs.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 18
• This policy covers the value of the items at the time they were lost,
and not the cost of replacing them. This means we will take off an
amount for wear and tear from the original cost. We may choose to
repair the item or replace it with an equivalent item.
• There is a limit for single items, and this policy may not provide
enough cover for expensive ski equipment. These items can
usually be insured under the ‘All risks’ section of your home contents policy.
• If your ski equipment is lost, stolen or damaged while in the
possession of the transport provider you must get a property irregularity report
(PIR) or other similar written confirmation from them within seven days of discovery detailing:
- the damage;
- the temporary loss; and / or
- the permanent loss.
You might be able to claim directly with the transport provider, by writing to them
within 21 days of the damage or loss.
• You should keep any damaged items as we may need to inspect
them. If we make a payment, or we replace an item, the damaged
item will then belong to us.
• The special conditions and notes under ‘Section 2 - Cancelling or
cutting short you trip’ also apply to this section of cover.
What we will need if you make a claim
Under ‘Ski equipment’ and under ‘Hire of other ski equipment’
• A written police report confirming full details of the loss or theft.
• If appropriate, a written report from your travel representative or
accommodation manager.
• A property irregularity report (PIR) or other similar written
confirmation from the transport provider detailing :
- the damage;
- the temporary loss; and / or
- the permanent loss.
• For lost, stolen or damaged items, original receipts, vouchers or
other suitable proof that you bought or own the items, and proof
of the value.
• An estimate for repair for all damaged items.
• All hire receipts and luggage labels or tags.
Under ‘Ski pack’
• Medical evidence from the doctor who treated you, to confirm the
illness or injury, including dates of when you were unable to ski.
Under ‘Piste closure’
• A letter from your trip provider, the local piste authority or ski-lift
operator confirming the reason for the closure and how long it was
closed.
Under ‘Avalanche’
• A letter from the local authority, your trip provider or other
provider confirming the event.
For all claims
• General information set out in the ‘Making a claim’ section.
Section 19 - Golf extension
This section of cover only applies if you have chosen to include it and
paid the extra premium. Your booking confirmation will confirm if you have this cover.
Meaning of words in section 19
Golf equipment
Golf clubs, golf bag, golf trolley and golf shoes. Items that you have
hired or borrowed and are legally responsible for are also covered.
Unattended
Golf equipment that is not in your full view unless it is locked
in the accommodation you are using on your trip or it is out of
sight in the locked boot or covered luggage area of a locked motor
vehicle.
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover
for the following.
Golf equipment
• Loss or theft of, or damage to, your golf equipment during your trip.
Hire of other golf equipment
• Costs to hire other golf equipment if yours is:
- temporarily delayed or lost on your outward trip for more than
12 hours after your arrival;
- lost, stolen or damaged.
Green fees
You cannot play golf because:
• you have to cancel or cut short your trip;
• you are delayed in arriving at your resort because of reasons
shown under ‘Section 8 - Delayed departure’;
• you are ill or injured during your trip; or
• the golf course is unexpectedly closed.
Hole in one
You complete a hole in one shot (not including your handicap
allowance) during a round of golf on your trip.
What you are not covered for
Under ‘Golf equipment’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 3 - Personal belongings’.
Under ‘Hire of other golf equipment’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 3 - Personal belongings’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 6 - Delayed personal belongings’.
Under ‘Green fees’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 1 - Emergency medical and other
expenses’
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 2 - Cancelling or cutting short your trip’.
• Anything mentioned under the heading ‘What you are not
covered for’ within ‘Section 8 - Delayed departure’.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 19
• This policy covers the value of the items at the time they were lost
and not the cost of replacing them. This means we will take off an
amount for wear and tear from the original cost. We may choose to
repair the item or replace it with an equivalent item.
• There is a limit for single items and this policy may not provide
enough cover for expensive golf equipment. These items can
usually be insured under the ‘All risks’ section of your home contents policy.
• ‘Section 10 - Personal liability’ is extended to provide cover for
injury, loss or damage caused by ownership or use of a golf buggy
on a golf course.
• If your golf equipment is lost, stolen or damaged while in the
possession of the transport provider, you must get a property irregularity report
(PIR) or other similar written confirmation from
them within seven days of discovery detailing:
- the damage;
- the temporary loss; and / or
- the permanent loss.
You might be able to claim directly with the transport provider, by writing to them
within 21 days of the damage or loss.
• You should keep any damaged items as we may need to inspect
them. If we make a payment, or we replace an item, the damaged
item will then belong to us.
• You cannot make a claim under both this section and ‘Section 6 -
Delayed personal belongings’ for the same reason.
• The special conditions and notes under ‘Section 2 - Cancelling or
cutting short your trip’ also apply to this section of cover.
What we will need if you make a claim
• A written police report confirming full details of the loss or theft.
• A written report from your travel representative or accommodation
manager, if appropriate.
• A property irregularity report (PIR) or other similar written
confirmation from the transport provider detailing:
- the damage;
- the temporary loss; and / or
- the permanent loss.
• For lost, stolen or damaged items, original receipts or other suitable
proof that you bought or own the items, and proof of the value.
• An estimate for repair for all damaged items.
• All hire receipts and luggage labels or tags.
• Written confirmation from the transport provider or their handling
agent, which gives details of the scheduled and actual departure
times and why the departure was delayed, if appropriate.
• Medical evidence from the doctor who treated you, to confirm the
illness or injury, including dates of when you were unable to play
golf.
• Written confirmation from the golf club confirming the date and
time that the course was closed, if appropriate.
• Written confirmation from the golf club confirming the date and
time that you got your hole in one, if appropriate.
• General information set out in the ‘Making a claim’ section.
Section 20 - Wedding extension
This section of cover only applies if you have chosen to include it and
paid the extra premium. Your booking confirmation will confirm if you have this cover.
Meaning of words in section 20
Wedding clothes
The wedding dress, wedding suit, and other accessories including
shoes, make-up, hair styling and flowers all bought especially for the
bride and groom to use on their wedding day.
Wedding gifts
Gifts given to the bride and groom during the trip. These may be sent
before the trip or purchased during the trip.
Wedding rings
The bride and groom’s wedding rings.
What you are covered for
We will pay up to the limit (or limits) shown in the summary of cover
for the following.
Wedding rings, wedding gifts or wedding clothes
Loss or theft of, or damage to your wedding rings, wedding gifts or wedding clothes during your trip.
Replacement photographs or video
Reasonable extra costs to reprint your wedding photographs, replace your wedding video or hire another professional photographer if:
• the booked professional photographer is unable to attend your wedding due to their injury, illness, death or other circumstances
outside their control; or
• the professional photographs or video recording of the wedding
day are lost, damaged or destroyed during your trip or within 14
days of the wedding day.
What you are not covered for
Under ‘Wedding rings, wedding gifts or wedding clothes’
• The policy excess as shown in the summary of cover.
• Anything mentioned under the heading ‘What you are not
covered for’ and within ‘Section 3 - Personal belongings’ or
‘Section 4 - Personal money’.
Under ‘Replacement photographs or video’
• The policy excess as shown in the summary of cover.
• Compensation you can get from the booked photographer or
any other source.
Please read the general exclusions that also apply.
Special conditions and notes applying to section 20
The special conditions and notes under ‘Section 3 - Personal belongings’
and ‘Section 4 - Personal money’ also apply to this section of cover.
What we will need if you make a claim
• A written police report confirming full details of the loss or theft.
• A written report from your travel representative or accommodation manager, if appropriate.
• For lost, stolen or damaged items, original receipts or other suitable
proof that you bought or own the items, and proof of the value.
• An estimate for repair for all damaged items.
• Written confirmation from the wedding photographer, which gives
details of why they could not attend your wedding, and details of
the extra costs to hire a different photographer.
• General information set out in the ‘Making a claim’ section.
Legal and regulatory information
This policy is available to Republic of Ireland residents only.
Insurer
Your Mondial travel insurance is underwritten by Mondial Assistance
Europe NV (during 2011 the insurer will change to AGA International SA) and is administered in the UK by Mondial Assistance (UK) Limited. Mondial Assistance Europe NV customers will have their insurance policies automatically transferred to the new insurer AGA International SA and all terms and conditions of the policy will remain unchanged.
Cancellation rights
If your cover does not meet your requirements, please notify us
within 14 days of receiving your booking confirmation and return allyour documents for a refund of your premium.
You can contact your original issuing agent whose contact details are shown on your booking confirmation.
If during this 14-day period, you have travelled, made a claim or intend to make a claim, then we can recover all costs that you have used for those services.
Please note that your cancellation rights are no longer valid after this
initial 14-day period.
Data protection
Information about your policy may be shared between TUI Travel Plc,
us and the insurer for underwriting and administration purposes.
You should understand that the sensitive health and other
information you provide will be used by us, our representatives, the insurer, other insurers and industry-governing bodies and regulators
to process your insurance, handle claims and prevent fraud. This may
involve transferring information to other countries (some of which may
have limited or no data protection laws). We have taken steps to
ensure your information is held securely.
Your information may be used by us, the insurer and members of the Mondial Assistance Group and shared with TUI Travel Plc for marketing and research purposes, or to inform you from time to time about new products or services. If you do not want to receive marketing information please write to us at Mondial House, 102 George Street, Croydon CR9 1AJ. You have the right to access your personal records.
Financial Services Compensation Scheme (FSCS)
For your added protection, the insurer is covered by the UK FSCS. You may be entitled to compensation from the scheme if the insurer cannot meet
its obligations. This depends on the type of business and the
circumstances of the claim.
Insurance cover provides protection for 90% of the claim, with no upper limit.
Further information about the compensation scheme arrangements is
available from the FSCS telephone number UK +44 020 7892 7300, or by
visiting their website at www.fscs.org.uk.
Governing law
Unless agreed otherwise, Irish law will apply and all communication
in relation to this policy will be in English. In the event of a dispute
concerning this policy, the Irish courts shall have exclusive
jurisdiction.
Third Party Rights
This contract of insurance is intended solely for the benefit of you and
us. Unless otherwise specifically provided, nothing in this contract of
insurance shall be construed to create any duty to, or standard of care
with reference to, or any liability to, any person or entity not a party to
this contract of insurance.
Glossary
When the following words and phrases appear in the policy document
or booking confirmation, they have the meanings given below. These
words appear in bold print.
Area of cover
You will not be covered if you travel outside the area you have chosen,
as shown on your booking confirmation.
• The Republic of Ireland
• Europe
UK, Channel Islands, the Isle of Man, continental Europe, Mediterranean islands, Albania, Algeria,
Andorra, Armenia, Austria, Azerbaijan, Azores, Balearic Islands,
Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary
Islands, Cyprus, Croatia, Czech Republic, Denmark, Estonia,
Faroe Islands, Finland, France, Georgia, Germany, Gibraltar,
Hungary, Iceland, Ireland (Republic of), Isle of Man, Israel, Italy, Kosovo, Lapland, Latvia,
Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway,
Poland, Portugal, Romania, Russia-West of Urals, San Marino,
Serbia, Slovenia, Slovakia, Spain, Sweden, Switzerland, Tunisia,
Turkey and Ukraine.
• Worldwide 1
All countries in the world excluding USA and Canada.
• Worldwide 2
All countries in the world including USA and Canada.
Note Cape Verde and Egypt fall under Worldwide 1 cover
Business colleague
Anyone you work closely with, and whose unexpected absence from
work means that a senior manager or director of your business needs you to cancel or cut short your trip.
Couple
Two adults who have been permanently living together at the same
address for more than six months.
Doctor
A legally qualified doctor who holds the necessary certification in the
country they are currently practising in. This person must not be
related to you or anyone you are travelling with.
Excess, excesses
The amount we will take off for each insured person, for each section,
for each incident claimed for. For example, a couple who both have personal belongings stolen from their room and both have to pay
medical costs during the same trip, will have a total of four excesses taken from the total amount they claim. Two of these excesses will be
for the two claims under ‘Section 1 - Emergency medical and
associated expenses’and two of these will be for the two claims under
under ‘Section 3 - Personal belongings’. If you have paid an extra
premium for excess waiver cover, the excess will not apply.
Family
Two adults and up to four of their children (including foster children)
aged two to 17. Infants aged under two are covered free, if travelling
with an insured adult. All members of the family must live at the same
address (see the note below).
Note: If you are divorced or separated and your children do not live
permanently with you they can still be covered under this policy.
Home
Where you normally live in the Republic of Ireland.
Insurer
Mondial Assistance Europe NV (during 2011 the insurer will be AGA International SA). All Mondial Assistance NV customers will have their insurance policies automatically transferred to the new insurer AGA International SA and all terms and conditions of the policy will remain unchanged.
Period of insurance
• Cancellation cover begins on the issue date shown on your booking confirmation and ends at the beginning of your trip. The
cover for all other sections starts at the beginning of your trip and
finishes at the end of your trip.
• All cover ends on the expiry date shown on your booking
confirmation, unless you cannot finish your trip as planned
because of death, illness or injury or if your booked transport is
delayed and this cannot be avoided. In these circumstances, we will
extend cover free of charge until you can reasonably finish the trip.
Resident
A person who has their main home in the Republic of Ireland, is registered with a doctor in the Republic of Ireland and has not spent more than six months abroad during the
year before the policy was issued.
Travelling companion
Any person who has booked to travel with you on your trip.
Trip
Any return journey (not including business trips) that takes place
during the period of insurance and starts and finishes from your home in the Republic of Ireland.
• Any other trip which begins after you get back is not covered.
• A trip which is booked to last longer than 180 days is not covered.
• A trip which does not involve travel arrangements booked through
TUI Travel plc is not covered.
United Kingdom (UK)
England, Scotland, Wales and Northern Ireland.
We, our, us
Mondial Assistance (UK) Limited who administer the insurance on
behalf of the insurer.
You, your, yourself, insured person
Each person shown on the booking confirmation, who the appropriate
insurance premium has been paid for.
Important contact details
Customer services:
(for queries about your travel insurance):
Phone: ROI +353 1619 3634
E-mail: travelinsurance@mondial-assistance.co.uk
Health declaration:
(to declare a medical condition or change in your circumstances)
Phone: ROI +353 1619 3635
Website: www.mondialhealthscreen.co.uk
24-hour emergency medical assistance:
(for medical emergencies or if you need to cut your trip short):
Phone: UK +44 20 8603 9910
E-mail: international_dept@mondial-assistance.co.uk
Claims:
Phone: ROI +353 1619 3633
E-mail: travel_claims@mondial-assistance.co.uk
Legal expenses:
Phone: UK +44 20 8603 9804
24-hour home care:
Phone: UK: +44 20 8603 9909
24-hour personal assistance:
Phone: UK: +44 20 8603 9910
TUI Travel PLC, Registered address: TUI Travel House, Crawley Business Quarter, Fleming Way, Crawley, West Sussex RH10 9QL Registered in the UK number: 06072876.
Mondial travel insurance is underwritten by NV (during 2011 the insurer will be AGA International SA) and is administered as a branch in the UK by Mondial Assistance (UK) Limited, Registered in England number 1710361 Registered office Mondial House, 102 George Street, Croydon CR9 1AJ.
Mondial Assistance Europe NV is authorised by De Nederlandsche Bank and is regulated by the Central Bank of Ireland for the conduct of Irish business by way of the Freedom of Services into Ireland in accordance with European Union Third non-life directive. (During 2011, AGA International SA is authorised by Authorité de Contrôle Prudentiel in France and is regulated by the Central Bank of Ireland for the conduct of Irish business by way of the Freedom of Services into Ireland in accordance with the European Union Third Non-Life directive).
Mondial Assistance (UK) Limited acts as an agent for Mondial Assistance Europe NV and will act as an agent for AGA International SA for the purpose of settling claims.
TUI Travel PLC will act as agent for Mondial Assistance Europe NV and will act as an agent for AGA International SA with respect to the receipt of customers money and handling premium refunds.
These documents are available in large print,in Braille and on audio.
Please contact us on 020 8603 9689 or 020 8666 9562 (textphone).
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