For policies purchased between 24 April 2019 and 13 April 2020:
IMPORTANT INFORMATION ABOUT CORONAVIRUS (COVID-19 including mutations) AND AGEAS TRAVEL INSURANCE
Because the World Health Organisation declared the ongoing Coronavirus (COVID-19) outbreak a pandemic on 11 March 2020 this is now a known event. This affects the cover provided by Ageas Travel Insurance policies. Any policies purchased on or after 14 March 2020 will not include cover under any section (apart from the Medical Expenses section ) for claims directly or indirectly caused by the Coronavirus (COVID-19). This includes any preventative containment or delay measures. For any policies issued before 14 March 2020 cover remains as per the policy terms and conditions.
These policies will not provide any cover if the Foreign and Commonwealth Office (FCO) are advising against all but essential travel to your destination. In the present circumstances as the FCO advice on foreign travel is susceptible to rapid and significant change, we strongly recommend that you visit the FCO website to check the up to date advice against your actual or potential travel plans. You can check whether your destination is on the exempt countries list here.
Am I covered if I need emergency medical treatment and get sent to a private facility?
This is not a private health insurance policy. The Insurer will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and the Insurer reserves the right to organise a transfer from a private medical facility to a public medical facility where appropriate. If you are taken/or go to a private medical facility, costs that arise will only be covered if you have contacted the emergency medical assistance company and any treatment has been authorised by them.
Am I covered if I am pregnant?
Pregnancy is not deemed to be an illness and therefore is only covered if complications arise with the pregnancy. However note that airlines may not carry a pregnant woman flying around her due date. There is no cover under the policy if an airline refuses to board the passenger.
What is a policy excess?
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used an EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver upgrade.
What is a Pre-existing Medical Condition?
For the purposes of this insurance, a pre-existing medical condition is considered to be:
- Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation;
- Any illness for which you have received a terminal prognosis or any heart, heart-related or circulatory condition; or any respiratory condition or a
Co-operative Travel Insurance is arranged and administered by ROCK Insurance Group.
ROCK Insurance Group is a trading style of Rock Insurance Services Limited who is authorised and regulated by the Financial Conduct Authority (FCA No. 300317)..