For your accidental bodily injury whilst on your trip, that independently of any other cause, results in your:
Total and permanent loss of sight in one or both eyes, or total loss of physical severance or total and permanent loss of use of one or both hands or feet.
Cancellation
We will pay up to the amount shown in the schedule of cover for your portion of:
1. Pre Paid excursions booked before you go on your trip.
2. Loss of pre-paid accommodation.
3. Pre-paid foreign car hire.
4. Pre Paid transport charges.
That you have paid or agreed to pay and that you cannot recover from any other source if you were forced to cancel your trip because the following unexpected happened before you left home and which you could not have been expected to foresee or avoid:
1. You or anyone insured on this policy became ill with an infectious disease within 14 days of your trip starting (including contracting Covid-19).
2. You, a travel companion, a family member, a close business associate, or the person you were going to stay with became ill (excluding contracting Covid-19), was injured, or died.
3. Your home was burgled or seriously damaged by fire, storm or flood.
4. You or a travel companion were called for jury service or required as a witness in a court of law.
5.You or a travel companion were made redundant.
6. You or a travel companion had leave withdrawn and are in the armed services, medical or nursing professions (in the public sector) or senior employees of the government.
7. As a result of fire, earthquake, storm, flood, riot or civil unrest; the Foreign Commonwealth and Development Ofice (FCDO) or comparable prohibitive regulations by the government of the country you were due to visit and within fifty (50) miles of your chosen destination, change the travel advice to advise against all or all but essential travel.
8. Your passport, or the passport of a travel companion, is stolen seven (7) days before your booked departure.
Curtailment
We will pay up to the amount shown in the schedule of cover for your proportional share of any unused:
1. Pre-paid excursions booked before you go on your trip.
2. Pre-paid accommodation
3. Pre-paid foreign car hire.
4. pre-paid transport charges.
That are directly related to your trip, which you have paid and cannot get back from anyone else in the first instance, or which cannot be transferred or used for another purpose, as well as any additional travel expenses incurred to get you home, if you had to cut short your trip because the following unexpectedly happened after you left home which you could not have been expected to foresee or avoid:
1. You or anyone insured on this policy became ill with an infectious disease during your trip (including contracting Covid-19).
2. You, a travel companion, a family member, a close business associate, or the person you were going to stay with who became ill (excluding contracting Covid-19), was injured or died.
3. Your pre-booked accommodation was damaged by a catastrophe, and alternative accommodation was not provided.
4. You or a travel companion were called for jury service or required as a witness in a court of law; you or a travel companion had to leave withdrawn and are in the armed forces (including reserves and territorial), emergency services, medical or nursing professions (in the public sector) or senior employees of the government.
5. As a result of fire, earthquake, storm, flood, riot or civil unrest; the Foreign, Commonwealth and Development Office (FCDO) or comparable prohibitive regulations by the government of the country you were due to visit and within fifty (50) miles of your chosen destination, change the travel advice to advise against all or all but essential travel.
(Please note: You must use or re-validate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return).
Excess (per person)
JS Gold: £100
JS Platinum: Nil
We will pay for trips outside your home country up to the amount shown in the schedule of cover OR up to £1,000 for trips inside your home country for necessary emergency expenses (that are payable within (6) six months of the event that causes the claim that is resulting from your death, injury or illness) for
1. Customary and reasonable fees or charges for necessary and emergency treatment, to be paid outside your home country for medical, surgical, hospital nursing home or nursing services.
2. Additional travel, accommodation and repatriation costs to be made for, or by, you and for any one other person who is required for medical reasons to stay with you or a child who requires an escort to travel to you from your home country or to travel with you, where it is deemed medically necessary following emergency treatment.
3. Your death outside your home country for local funeral expenses abroad is limited to the amount shown in the schedule of cover.
4. Your death outside your home country for the cost of returning your ashes home or the return of your body to your home in the United Kingdom, Channel Islands, Isle of Man or BFPO.
There is no cover for any expenses incurred in private medical facilities if we have confirmed medically capable public facilities are/were available. We reserve the right to organise a transfer from a private facility to a public medical facility where medically appropriate.
Excess (per person)
JS Silver: £100
JS Gold: £50
JS Platinum: £35
We will pay up to the amount shown on your schedule of cover for each complete 24 hours that you are in a Public Hospital as an in-patient during the period of the trip in addition to the fees.
This payment is meant to help you pay for additional expenses, such as taxi fares and phone calls incurred during your stay in Hospital.
This is in addition to any hospital fees or charges.
For your accidental bodily injury whilst on your trip, that independently of any other cause, results in your:
Death (limited to £2,500 when you are under 18).
We will pay for any amount incurred due to an event occurring during the period of this insurance that is legally liable to pay that relates to an incident caused directly or indirectly by you and that results in
Accidental bodily injury of any person.
Loss of, or damage to property that does not belong to you or any member of your family and is neither in your charge nor control of any member of your family, household or employee or anyone in your service.
Loss of, or damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household or employee or anyone in your service up to the amount shown in the schedule of benefits.
This section does not cover any claim resulting from the ownership or use of motorised vehicles. You need to take out separate motor insurance or another cover if you intend to drive a car or use any other motorised vehicle during your trip.
We will pay up to the amount in the schedule of cover for legal costs and expenses incurred in pursuing claims or compensation and damages due to your death or personal injury whilst on the trip or enquiries relating to your insured trip.
Excess (per person)
JS Gold: £100
JS Platinum: Nil
We will pay up to the amount shown in the schedule of benefits for additional accommodation (room only) and travel expenses up to the same standard as originally booked, incurred in reaching your international destination or returning to your home area if you fail to arrive at any international departure point in time to board the Public Transport on which you are booked to travel for each international leg of the trip as a result of one of the following:
Strike or Industrial Action
Adverse weather conditions
The failure of other Public Transport
An accident or mechanical breakdown of the vehicle in which you are travelling
We will pay up to the amount shown in the schedule to cover each full 12 hours delay if the departure of your international flight, international train or sailing is delayed for more than twelve (12) hours from its scheduled departure time from your international departure point.