Email: enquiries@justamerica.co.uk
UK Reservations: 01489 892329

 
2007 Holiday Insurance

We strongly recommend that all of our clients take adequate travel insurance before travelling to North America. We suggest that you establish your eligibility for travel insurance before booking your holiday as you may find yourself committed to the holiday, but unable to secure cover due to an existing medical problem. Holiday Extras Travel Insurance is arranged by Holiday Extras Ltd., with Fortis Insurance Ltd.  This insurance is only valid for trips starting and ending in the UK.  This insurance is only valid if you take it out before 30 November 2007.  If you have Premier cover your trip must start on or before 31 October 2008.  If you have Annual Multi-Trip Insurance, this insurance is valid for trips which start during the period of one year from the start date which must be on or before 30 November 2007.   Full details of the cover can be provided by Just America prior to you booking your holiday.

 
Summary of cover - Limits and Excess per person - Premier Single Trip Cover

 
Loss of Deposit or Cancellation/
Curtailment
Delayed departure or arrival
 
Missed
Departure
 
Medical &
other expenses
 
Personal Accident 
 
Baggage & Personal belongings

Delayed
Baggage

Personal Money & Passport 

 

Personal
liability
 
Legal
expenses
 
Winter Sports (if you have this cover)
 
Premier
Cover
5,000

100
 

Up to
600
5m
Up to 25,000 
Up to
1,500
 
100
Up to
300 (Cash 100)
 
2m

Up to
25,000

Up to 350 

Excess
75
75 
75 (100 if over 64)
75 
 
75
 
 
 75

  Summary of cover - Limits and Excess per person - Worldwide Annual Multi-Trip Cover


 
Loss of Deposit or Cancellation/
Curtailment
Delayed departure or arrival
 
Missed
Departure
 
Medical &
other expenses
 
Personal Accident 
 
Baggage & Personal belongings

Delayed
Baggage

Personal Money & Passport 
Personal
liability
 
Legal
expenses
 
Winter Sports (if you have this cover)
 
Worldwide
Annual Cover
3,000

100
 

Up to
600
5m
Up to 10,000 
Up to
1,500
 
100
Up to
300 (Cash 100)
 
2m

Up to
25,000

Up to 350 

Excess
75
75 
75 (100 if over 64)
75 
 
75
 
 
 75

This is a summary of the cover provided for each person named on the validation slip.  Full details are available on request from Just America.  For Premier Cover, cancellation cover starts when this insurance is issued;  for Annual Multi-Trip, cancellation cover will begin from the start date given on the validation slip. All other cover starts when you leave home or 24 hours before the start of your trip, whichever is later, and continues until you return to your usual address.  If you are delayed coming home because of public transport problems or as a result of a medical claim which you have reported, Fortis Insurance Ltd will automatically extend your cover by up to 31 days.

Premier Cover Single Trip 

Duration

Personal Insurance

65-69 yrs

70 yrs plus

1-5 days

35.00

70.00

105.00

6-10 days

42.00

84.00

126.00

11-17 days

50.00

100.00

150.00

18-23 days

61.00

122.00

183.00

24-31 days

64.00

128.00

192.00

Extra week*

16.00

32.00

48.00

Excess waiver

7.50

15.00

22.50

Children under 2 

Free

 

 

Children 2-17 yrs

25%

 

 

Annual Multi-Trip 

 

Max. duration of any trip 31 days 

Max. duration of any trip 60 days

Personal

82.00

125.00
Single Parent family 

82.00

125.00

Couple

130.00

185.00

Family

130.00

185.00

Business Supplement

25.00 

25.00


Winter Sports - Double Premium

*Maximum duration of trip 185 days.

Excess Waiver Protection. Without Excess Waiver Protection you pay the 1st 75 of the claim. By adding Excess Waiver Protection you eliminate the excess so that in the event of a claim nothing is deducted.

Senior Citizens aged 65-69 years the single trip and annual insurance premium is doubled. The excess for medical cancellation and curtailment claims is 100.

Senior Citizens over 69 years the single trip insurance premium is tripled.  Annual Multi-Trip Insurance is not available to anyone over 69 years.

Winter Sports: Double the premium. Annual Multi-Trip insurance  includes up to 17 days winter sports per year.

Travelling on business: There is a supplement of 25 to add to the Annual Multi-Trip insurance premium if you require cover whilst travelling on business.

All age loadings apply to age at date of issue (not date of travel).


This is only a summery of cover - full details of our travel insurance is available on request.

      EXISTING HEALTH CONDITIONS
You must keep to the following conditions to have the full protection of your policy.  If you do not the policy may be cancelled or your claim refused, or the amount of any payment claimed may be reduced.
A. Pre-existing medical conditions
You will not be covered under the following sections in the circumstances shown below. section 5 - Medical and other expenses (including Hospital Benefit), section 1 - Loss of deposit or cancellation, section 2 - Curtailment, section 6 - Personal Accident or section 10 - Personal Liability.
Cover will not be provided if you have:
* Ever had any respiratory condition (relating to the lungs or breathing), heart condition, stroke or cancer, for which you have ever received treatment (treatment includes surgery, tests, or investigations by a doctor, consultant or specialist, and prescribed drugs or medication): or
* had any medical condition within the last 12 months for which you have received surgery, in-patient treatment or investigations in a hospital or clinic, or for which you are taking prescribed medication.  However, you can call the medical helpline on 0845 345 8107 or visit www.screeningmadesimple.com/HEX06 and they may agree to provide cover, but the medical staff will confirm this in writing.
B. Waiting Lists and tests.
If you are on a waiting list for, or know that you need, surgery, in-patient treatment or tests at a hospital, clinic or nursing home, cover will not be provided under the following sections of the policy for claims arising from that need.  Section 5 - Medical and other expenses (including Hospital Benefit), section 1 - Loss of Deposit or Cancellation, section 2 - Curtailment, section 6 - Personal Accident, or section 10 - Personal Liability.  If your treatment is completed, or if you receive the results of tests after your insurance has been issued - but before your trip starts, you should call the medical helpline.
C. Important Conditions
This insurance will not cover the following circumstances. At the time of taking the policy out if you:
1. Have a terminal illness;
2. Have not been permanently living in the UK for at least the last 12 months.
3. Are 70 or over and buying a Worldwide Multi-Trip policy.
At any time if you:
1. are travelling to get medical treatment abroad;
2. are expecting to give birth before you arrive home or within eight weeks of arriving home;
3. are not registered with a UK doctor; or
4. are taking a one-way trip.

Close relatives, Business Partners or anyone else who is not travelling but whose health may affect the trip.
If at the time of taking out the insurance (or booking the trip if later) they had a medical condition for which they: were receiving treatment in hospital; were waiting for a hospital consultation or treatment; or had been given a terminal prognosis or been told that their condition is likely to get worse in the next 12 months; we will not pay for any claim which has anything to do with the medical condition of that relative or business partner.

If you need to call the screening line, do so as soon as possible.  You have 14 days to return this policy if it's not suitable.

IMPORTANT ADVICE

If you cancel your holiday because of something you knew about but did not tell the insurance company when you took out this insurance (such as a sick relative), you may not be covered if you make a claim because of it.

* Don't travel with more money or valuables than you need.
* If you make any payments, you must get receipts or bills.
* If you need to cut your holiday short you must call Assistance International before making any arrangements.
* If you need medical treatment you must call Assistance International first, or with 24 hours of treatment.
* If you need to claim for lost, stolen or damaged property you must get a report from the police or the airline or carrier involved.
If you need help in a medical emergency please call Assistance International 24-hour worldwide emergency service               +44 23 8064 4633

 

 
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