Customer support
Thinking ahead
Our comprehensive holiday insurance package is provided for us by leading experts Holiday Extras and underwritten by Mapfre Assistance. This great policy offers a very high level of cover for your holiday. Excellent value for money and total peace of mind – that really is a great deal!
Page & Moy act as an Appointed Representative of Holidays Extras Travel Insurance who are authorised and regulated by the financial services authority.
Whilst we believe that our policies represent a perfect balance between premium costs and the high level of cover provided, we do not insist that customers take out our insurance. However it is a condition of booking that you have adequate insurance if you are travelling outside the UK.
In accordance with the ‘General Business Code of Practice’ we are pleased to show opposite the most important features of our policy. Full information will be sent with your policy document. You then have a 14 day ‘cooling off’ period. During that time you may return the documents and have a full refund of your premiums if you are dissatisfied with the cover it provides.
Just compare our policy – our small print’s worth reading!
- Check headline rates carefully against prices quoted
- Beware low ‘lead-in’ prices which are not widely available
- Compare cover item by item
- Check medical cover especially carefully
- Take extra care with medical cover when visiting expensive areas such as America
- Watch out for premiums, which are only cheaper because of a high excess
- High excess means that many of your claims would be excluded anyway!
If you are insured with us:
- You can phone our emergency number from anywhere in the world
- Our offices are manned 24 hours a day, every day
- Our staff are in a better position to provide assistance
- We provide a direct-dial number, which will connect you to an organisation who will provide expert advice and guidance
- We can provide you with support for your claim and help your negotiations with the insurance company
Medical declaration
It is important that you declare all medical conditions for yourself and anyone insured on your policy. If you make a claim for a pre-existing medical condition that you have not declared and has not been agreed in writing, your claim will be declined. You will not be covered under this policy for any Cancellation, Curtailment, Trip Interruption, Additional Accommodation and Travelling costs, Medical Expenses and Repatriation, Hospital Benefit or Personal Accident claims arising directly or indirectly from:
A) AT THE TIME OF TAKING OUT THIS POLICY:
i) Any medical condition you have, or have had, that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow-up/check-up has been required or received during the 2 years prior to the commencement of cover under this policy.
ii) Any cancer, respiratory, cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under this policy, unless shown on the Automatically Accepted Minor Conditions list.
Unless you have contacted Holiday Extras and they have agreed, in writing, to cover you. when you contact the Holiday extras medical screening line on 0845 458 0748, you must provide details of all medical conditions. Lines are open during normal office hours.
If you have medical conditions and they are all within the table of Automatically Accepted Minor Conditions these will be covered under the policy without the need to contact us and without additional charge provided:
- the insured person is not awaiting surgery for the condition, and
- the insured person has been fully discharged from any post-operative follow-up, and
- the insured person meets the criteria stated next to the condition.
You must declare ALL medical conditions if:
a. an insured person has any medical condition which is not in the Automatically Accepted Minor Conditions list, and/or
b. an insured person has any in the Automatically Accepted Minor Conditions list which is awaiting surgery or the insured person has not been discharged from any post operative follow up, and/or
c. an insured person does not meet the criteria stated next to the condition, and/or
d. an insured person has more than one of the conditions listed in NOTE 1 at the end of the list of conditions.
iii) Any medical condition for which you, a Close Relative, a travelling companion or a person with whom you intend to stay whilst on your trip have received a terminal prognosis.
iv) Any medical condition for which you, a Close Relative, a travelling companion or a person with whom you intend to stay whilst on your trip are aware of but have not had a diagnosis.
v) Any medical condition for which you, a Close Relative, a travelling companion or a person with whom you intend to stay whilst on your trip are on a waiting list for or have knowledge of the need for surgery, treatment or investigation at a hospital, clinic or nursing home.
B) AT ANY TIME:
i) Any medical condition you have in respect of which a medical practitioner has advised not to travel (or would have done so had you sought his/her advice), but despite which you still travel.
ii) Any surgery, treatment or investigations for which you intend to travel outside of your home area to receive (including expenses incurred due to the discovery of other medical conditions during and/or complications arising from these procedures).
iii) Any medical condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner.
iv) Your travel against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
Important limitations
You must be a UK resident, and aged under 86 at the time of taking out this policy.
You will not be covered for any Cancellation, Curtailment or Trip Interruption claims for any medical condition affecting you, a Close Relative or a travelling companion that you are aware of at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip.
This policy will not cover any Cancellation, Curtailment or Trip Interruption claims arising directly or indirectly from any pre-existing medical condition known to you before the start of the period of insurance affecting a close relative or travelling companion who is not insured under this policy, or a person with whom you intend to stay whilst on your trip if:
- They had received a terminal prognosis at the start of the period of insurance, or
- They were on a waiting list for, or knew they needed surgery, inpatient treatment or investigation at any hospital or clinic at the start of the period of insurance, or
- They were aware of a medical condition or suffering from symptoms but had not had a diagnosis at the start of the period of insurance, or
- They have had surgery, inpatient treatment or hospital consultations in the 90 days before the start of the period of insurance.
| Section | Maximum Limit | Excess |
|---|---|---|
| Cancellation and Curtailment | Up to £5,000 | £75 |
| Medical Expenses and Emergency Repatriation | Up to £5,000,000 | £100 |
| Hospital benefit | £15 per day up to £600 | Nil |
| Baggage & Personal Effects | Up to £1,500 £250 single item limit £200 valuables limit |
£75 |
| Delayed Baggage | £100 after 12 hrs | Nil |
| Money & Document | Up to £300 £100 cash limit (£50 Under 18) |
£75 |
| Travel Delay | £20 for the 1st 8 hrs then £20 per 12 hours up to £60 | Nil |
| Holiday Abandonment | Up to £500 after 8 hour delay | £75 |
| Missed Departure | Europe – Up to £300 Worldwide – Up to £600 |
£75 |
| Personal Accident Permanent Total Disablement Loss of limb(s)/eye(s) Death Death under 16 years |
£25,000 £25,000 £10,000 £1,000 |
Nil |
| Personal Liability | Up to £2,000,000 | Nil |
| Legal Expenses | Up to £25,000 | Nil |
NB: A statement of cover will be sent with your confirmation of booking. If required, a copy will be sent on request prior to booking. Details valid for policies issued up to 31 August 2010 for trips starting on or before 31 July 2011.
We will provide the services and benefits described in this policy to persons who habitually reside in the UK area (ie have their main home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy).
Insurance premiums are per person
Age bands relate to date on which holiday is booked
| Duration | Aged 64 or under | Aged 65 to 74 | Aged 75 to 85 |
|---|---|---|---|
| UK | |||
| Up to 4 days | £16 | £21 | £26 |
| Up to 6 days | £19 | £26 | £32 |
| Europe, Morocco, Tunisia, Egypt and Turkey | |||
| Up to 4 days | £27 | £47 | £58 |
| Up to 5 days | £33 | £53 | £63 |
| Up to 6 days | £38 | £60 | £70 |
| Up to 8 days | £43 | £65 | £76 |
| Up to 10 days | £45 | £67 | £78 |
| Up to 15 days | £49 | £71 | £82 |
| Worldwide (excluding America, Canada, Cuba & Mexico) | |||
| Up to 5 days | £62 | £105 | £126 |
| Up to 9 days | £72 | £125 | £146 |
| Up to 11 days | £75 | £129 | £150 |
| Up to 13 days | £77 | £132 | £153 |
| Up to 15 days | £80 | £137 | £158 |
| Up to 17 days | £83 | £141 | £162 |
| Up to 19 days | £86 | £146 | £167 |
| Up to 21 days | £89 | £153 | £174 |
| Up to 23 days | £92 | £162 | £183 |
| America, Canada, Cuba & Mexico | |||
| Up to 5 days | £71 | £121 | £145 |
| Up to 9 days | £83 | £144 | £168 |
| Up to 11 days | £86 | £148 | £168 |
| Up to 13 days | £88 | £152 | £176 |
| Up to 15 days | £91 | £158 | £182 |
| Up to 17 days | £96 | £162 | £186 |
| Up to 19 days | £99 | £168 | £192 |
| Up to 21 days | £103 | £176 | £201 |
| Up to 23 days | £106 | £186 | £210 |
Premiums for extended stays over 30 days are per week or part thereof:
| UK, Europe & Worldwide | America, Canada, Cuba & Mexico & the Caribbean | |
|---|---|---|
| Aged 64 or under: | £20 | £23 |
| Aged 65 to 74: | £42 | £48 |
| Aged 75 to 85: | £52 | £60 |
We regret that Mapfre Assistance are unable to provide insurance for any customer aged 86 and over at the date of booking.
All Premiums include Government imposed 20% Insurance Premium Tax.
Avoid the Excess from £9 (aged 64 and under) £18 (65-74) £27(75-plus)
The policy excesses are applied per person and for each separate part of any claim. These excesses can quickly mount up to become a significant sum. If you add from just £9 per person to the premiums shown, you will avoid any excesses being applied.
Dangerous sports
It’s particularly important to ensure that you are fully covered for all of the activities that you plan to undertake on your holiday. If you’ve purchased a holiday insurance policy from us, you should be aware that you won’t be covered for any claims connected with the following activities:
- Abseiling
- American Football
- Animal Conservation/ Game Reserve Work
- Boxing
- Bungee Jumping
- Canoeing /Kayaking
- Canyoning
- Caving / Cave Diving
- Clay Pigeon Shooting
- Cross Channel Swimming
- Dry Skiing
- Dune Safari with 4x4
- Fencing
- Flying as a Pilot
- Gliding
- Gymnastics
- Handball
- Hang Gliding
- High Diving
- Horse Jumping
- Horse Racing
- Hot Air Ballooning
- Hunting / Shooting
- Hunting on horseback
- Hurling
- Hydro Zorbing / Zorbing
- Ice Sailing / Ice Windsurfing
- Jet boating
- Jet skiing
- Kite Surfing / landboarding / buggying
- Lacrosse
- Marathons
- Martial Arts
- Microlighting
- Motorcycling
- Motor racing
- Mountain biking
- Mountain boarding
- Mountaineering
- Paintballing
- Parachuting /
- Parapenting
- Paragliding
- Parasailing
- Parascending
- Point-to-point
- Polo
- Potholling
- Professional Sport
- Quad biking
- Rock Climbing
- Rock Scrambling
- Rowing
- Rugby
- Sand Boarding / sail boarding
- Sand Yachting
- Shark Feeding / Cage Diving
- Scuba Diving
- Skidoo
- Skiing
- Sky Diving
- Snowmobiling
- Steeplechasing
- Surfing
- Team Sports played competitively
- Wakeboarding
- War Games
- Water Skiing
- White / Black water rafting
- Weight Lifting
- Wrestling
- Yachting
If you intend to undertake any of these activities or other activities which have an increased level of risk, either as part of the holiday package bought or independently then you are responsible for ensuring that the insurance cover you have is sufficient.
If you have purchased your holiday insurance policy from us, it’s possible to increase the level of cover to include participation in these activities for an additional premium of £10 per person.
If you’d like to take this additional cover, please email us at services@pageandmoytravelgroup.com or you can call us on 0844 567 8844. If you’ve arranged your insurance through an alternative provider then you must ensure that the cover provided covers the activities listed above and any other activities which you plan to participate in.
