HEALTH CONDITIONS

This insurance excludes any claim arising directly or indirectly from your failure to seek medical advice on the advisability of undertaking the Trip when you have received in-patient hospital treatment during the 6 months prior to taking out the insurance or where at the time of taking out the insurance you or any person whose condition gives rise to a claim:
a. is expected to give birth within two months of the expiry of this insurance;
b. is receiving or on a waiting list for in-patient hospital or clinic treatment;
c. is traveling against the advice of a medical practitioner or for the purpose of obtaining medical treatment abroad;
d. has received a terminal prognosis
e. have at any point in the last five years received inpatient treatment for any heart or circulatory condition; any lung or breathing condition other than mild well controlled asthma suffered in isolation; or any cancerous condition.

Material Facts

All material facts must be disclosed to the Underwriter at the time of taking out this Insurance. Failure to do so may result in the Underwriter's non-liability for claims. A material fact is any fact known to you which is likely to influence the Underwriter in the acceptance or assessment of the insurance. If you are in any doubt as to whether a fact is 'material' then, for your own protection, it should be disclosed. All information provided in purchasing this insurance shall form the basis of the contract. You should keep a record (including copies of letters) of all information provided to the Issuing Agent for the purpose of entering into this contract.

Your Cover

You will be insured for risks associated with cancellation from the moment payment is cleared while the remainder of the policy will come into effect at the date of departure you have notified us of on this application form (Single Trip policies only). On annual multi trip policies the cancellation cover will commence from the date shown on your validation certificate.
A copy of the policy schedule detailing the terms and conditions of the insurance may be found on this web site. Please read the travel insurance document carefully.

MONEY BACK GUARANTEE / COOLING-OFF PERIOD

If you are not happy with your travel insurance policy, you may return it to Travel Insurance Direct within 14 days of issue and we will refund your premium in full, provided you have not traveled and no claims have been made. Please contact us on (number Chris) for more details.

This does not affect your statutory rights as a consumer.

By entering into a contract of insurance you will take on certain obligations and grant certain powers to the insurer. Nothing in this contract affects your statutory rights as a consumer.