JS Insurance blog

As we are experiencing adverse weather conditions in the UK at the moment, this article is a guide as to what you are covered for with a Travel Insurance policy issued by JS Insurance.

As the severe weather conditions continue to affect travel on the roads, rail and at most airports please find below a reminder and clarification on cover that is available under our policies.

Cancellation or Curtailment: No Cover with standard policies

Emergency Medical: Cover does apply

Delayed Departure or Abandonment: Cover does apply with standard policies for delayed flights only. Most policies stipulate a delay of 12 hours before the benefit applies, with abandonment of the trip being allowable after a period of 12 or 24 hours. Customers must have checked in accordingly in order to meet the terms of the policy.

Missed Departure: Cover does apply. Customers wishing to continue their trip due to missing their departure due to road closures, public transport failures or accidents resulting in severe delays can claim for additional transport in order to reach their destination.

Baggage and Baggage Delay: Cover does apply.

Frequently Asked Questions:

I have travelled to my departure point only to find that services have been cancelled, can I claim for my transport costs or abandoned trip?

No, there is no cover for announced cancellation of departures.

My departure was delayed at first and it has now just been cancelled, can I claim for abandonment?

Unless the departure was delayed for the time stated in the policy (usually 12 hours) then no cover is available.

My departure was delayed for 14 hours and hen cancelled, can I claim for my trip?

Providing that the time frame of the policy (usually 12 hours, however some policies stipulate 24 hours) to qualify for abandonment has been reached then yes a claimcan be made for any unused travel and accommodation expenses.

Please check the policy you have purchased or the quote you have received.

JS Insurance has partnered with goodtogoinsurance.com to provide specialist winter sports travel insurance cover for those who may have difficulty obtaining appropriate cover from a standard product, either due to pre-existing medical conditions or age.

• Travel Insurance with Medical Screening
• Cover for medical conditions, up to a high level of severity, even a terminal prognosis
• No age limits on single trip policies

If you are looking for ski insurance or snowboard insurance and you have a pre existing medical condition, then we have a product for you.

Single Trip and Annual Travel Insurance with cover for all kinds of pre existing medical conditions up to a high level of severity, including cancer, heart conditions, diabetes, asthma, mental health conditions and many more.

Our medical travel insurance can provide cover for:

• Cancer, diabetes, asthma, heart conditions, mental health conditions and more
• Up to a high level of severity and even a terminal prognosis
• Cover available to people on a course of chemotherapy or radiotherapy
• Cover for loss of medication & mobility aids
• Cover your travelling companions on the same policy.
• No age limit on our single trip policies

To help us provide you with appropriate cover you will be asked a few simple questions about your condition such as the number of medications you are taking and the last time you visited a doctor. The process is very easy and will only take a few minutes.

So if you suffer from a medical condition and you are planning a Wintersports trip,  get a quote for our medical travel insurance today.