Health Conditions
This policy contains conditions relating to the health of the people travelling and anyone upon whose health the trip may depend. You must declare to the Optimum medical helpline any of the following:
- You are aware of any reason the trip could be cancelled or curtailed or of any medical condition which could result in a claim
- You have any pre-existing medical conditions, take prescribed medication on a regular basis or have received any hospital treatment within the past 12 months
- You are awaiting the results of tests or investigations for a medical condition
- You are travelling against the advice of a medical practitioner or in order to get medical treatment
- Have been diagnosed as having a terminal illness
- You are on a waiting list for hospital treatment
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 of 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.
YourCover
On a Single Trip policy cancellation cover will start immediately. Cancellation cover on Annual Multi Trip policy does not start until the policy starts. 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.
Cooling Off Period
If you are not happy with the terms and conditions of your policy you are entitled to a full refund within 14 days of receipt of your documents, provided you have not travelled and no claims have been recorded.
