The policy wording is made up of the policy wording, the policy schedule and if they apply a pre-existing medical conditions endorsement. The policy wording gives the coverage detail section by section. The policy schedule tells you the territorial scope of the trip, the policy period, who is traveling and what cover choices you have selected. For instance if you have asked for winter sports cover or business cover.

If you have chosen to insure a higher cancellation limit under either standard or premier cover options. If you have selected to exclude personal possessions cover because you already have that insured else where.

If under standard or premier cover you have advised us of a pre-existing medical conditions and we have agreed to cover that then a medical conditions endorsement will be applied to the wording. If you have declined that pre-existing medical conditions cover then we will issue an endorsement to that effect.

For full policy conditions, including restrictions and exclusions, please always refer to the policy terms and conditions booklet

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