1. Am I covered if I am pregnant?
Yes, cover is provided for complications of pregnancy. Pregnany itself is not deemed to be an illness or pre existing medical condition. Cover will only arise if a complication of pregnancy occurs. Please refer to the meaning of words in the policy wording for the definition of complications of pregnancy. Please note that if the due date coincides with the time of travel there is no cover under this policy.
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2. What is a policy Excess?
Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to NIL if you have used an EHIC (Formally E111) to reduce your medical expenses bill or paid the Excess Waiver upgrade.
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3. What is a Pre-existing Medical Condition?
1. Any past of current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or follow up/check-up has been required or received during the 2 years prior to the commencement of cover under the policy and/or prior to any Trip, and
2. any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) that has occurred at any time prior to the commencement of cover under the policy and/or prior to any Trip. This policy will not cover any claims under section 1 (Medical Emergency & Repatriation) or section 5 (Cancellation & Curtailment) arising directly or indirectly from a Pre-existing Medical Condition.
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4. How do I make a claim?
To Claim, phone Direct Travel Group Services claims helpline on 0844 412 4296 quoting 03943A/INSUREFOR.

Please note that it is a condition of your policy that you notify us of your intention to make a claim within 45 days of your return date.

When you contact us please ensure that you have the following information available to you as we will require it to process your claims.

Master policy reference of 03943A/Insurefor
Your policy number
Date of purchase of your policy
Travel itinery
Country and resort you visited or intended to visit
Actual or intended travel dates
Incident date
Brief circumstances of your claim
Value of your claim

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5. How many children can I insure on a Family policy?
Any number of dependant children (in full-time education and residing with you including foster children) under the age of 18.
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6.What are the Terms and Conditions?
Terms and Conditions are another expression for the Policy Wording. You need to read the Policy Wording carefully because it sets out the cover that you have purchased and also the conditions that you need to meet in order to make a claim.
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7. What are my cancellation rights?
If after reading the policy wording you decide the terms of the insurance contract does not meet your requirements you can, WITHIN 14 DAYS OF THE DATE YOU RECEIVED YOUR DOCUMENTS, return it for a full refund. No refunds will be given for policies cancelled outside 14 days.
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8. What do Winter Sports cover?
Provided you have paid the Winter Sports upgrade, you are covered for: ski equipment, piste closure, avalanche cover, ski pass costs up to the limits shown on the summary of cover. Activities covered are:
Guided cross country skiing
Mono skiing
Off-piste skiing or snow-boarding (in areas designated safe by resort management)
Recreational racing
Skiing
Snow-boarding
Snow sledging

The following Winter Sports are not covered under any circumstances:
Freestyle skiing
Heli-skiing
Ice hockey
Luging
Off-piste skiing or snowboarding (in areas designated as unsafe by resort management)
Off-piste skiing or snowboarding (where there is an avalance warning in place)
Parapenting
Ski acrobatics and stunting
Ski bob racing
Ski-doing
Ski flying
Ski jumping
Ski racing or training
Skeleton/bobsleigh
Snow mobiling
Tobogganing
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9. What do I do if I need medical assistance when travelling?
Please notify the Assistance Company immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay (you should first check that the circumstances are covered by your policy). Please contact the Assistance company on the numbers shown below, giving your name, Certificate number, scheme name INSUREFOR and reference 03943A.

Inpatient treatment, anywhere in the world you must contact
One Assist
Tel: +44 (0)113 318 8123

Outpatient treatment, anywhere in the world, excluding North America, The United Kingdom, Channel Islands and Isle of Man you must contact
Healthwatch S.A Tel: +44 (0)113 318 0124

Outpatient treatment, in North America, The United Kingdom, Channel Islands and Isle of Man you must contact
One Assist Tel: +44 (0)113 318 8123

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10. Can we travel independently on our Couple/Family travel insurance policy?
Each adult can travel independently, however, children must travel with an insured adult.
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11. How often can I travel on an Annual Multi Trip policy?
The policy lasts for the complete 12 months, and you can take as many trips/holidays as you wish during the year. Any individual trip or holiday must not last longer than 31 days (45, 62 or 92 days if the appropriate additional premium is paid). If a trip is for a longer period you will need to purchase a Single Trip policy for that particular trip. 17 days Winter Sports cover can be added for an additional premium and Business Cover & Golf Cover, for a maximum of 31 days in total for the whole year, are available at an additional premium. Please contact Insurefor.com on 0844 482 0662
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12. What is the difference between Economy, Standard and Premier cover?
These are the different levels of cover offered under this policy. Economy offers the least cover, with the highest excess for the cheapest premium. Standard offers a wider range of cover at higher levels with a reasonable excess and is priced reasonably. Premier cover provides the widest range of cover and the highest levels of protection for you and requires you to pay the least amount of excess. As a result Premier cover is the more expensive choice.
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13. How is my policy delivered?
Your policy is emailed directly to your email address shortly after being issued. Please note that some internet providers filter our automated e-mails as SPAM so please check your SPAM/junk folder if the e-mail has not been received. Alternatively for a small postage charge, your documents can be delivered by post.
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14. Do you offer cover for over 65s?
Yes we do. The maximum age for taking this policy out is 79 at the commencement of the policy for both single trips and annual mutli trips. If you want an extended stay policy then the maximum age is reduced to 45.

No section of this policy shall apply in respect of any person who has reached the age of 80 years at the commencement of the Period of Insurance for Single Trip or Annual Multi-trip policies and in respect of any person who has reached the age of 46 years at the commencement of the period of insurance for Extended Stay policies. If you are outside this age range please contact Insurefor.com on 0844 482 0662
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15. Do you cover non-UK residents?
You need to live in the United Kingdom, Isle of Man or the Channel Islands and have not spent more than 6 months abroad in the year prior to purchasing the policy. If you are outside this limit then please contact Insurefor.com on 0844 482 0662.
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16. Can I go scuba diving when travelling?
Scuba diving to a depth of 30 metres if you hold a certificate of proficiency or are diving with a qualified instructor is included within the cover automatically. The policy can be upgraded to include scuba diving to a depth of 50 meters for an additional premium.
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17. Can children purchase cover if they are under the age of 18?
Yes, but they must pay the adult premium for their cover, they will also need signed consent from their parents. The policy can only be issued by calling Insurefor.com on 0844 482 0662.
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18. What products do you offer?
Single Trip policies
Annual Multi Trip policies with maximum trip duration of 31 days
Annual Multi Trip policies with maximum trip duration of 45 days
Annual Multi Trip policies with maximum trip duration of 62 days
Annual Multi Trip policies with maximum trip duration of 92 days
Extended Stay Policies
For Individuals, Couples and Families (including Single Parent Family)
Including optional covers for Winter Sports, Golf and Business Travel
Economy, Standard and Premier levels of cover
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19. What credit/debit cards do you accept?
We accept Visa, MasterCard, Maestro/Switch, Solo, Visa Electron, Delta and American Express.
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20. Can I pay by cheque?
We are only able to accept cheques for policies over the value of £100. The policy will be set up when the cheque has been cleared through our bank. Please contact Insurefor.com on 0844 482 0662
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21. What happens if my bag is stolen with all my travel documents and money whilst I am travelling?
You must report theft or losses to the police or relevant authority within 24 hours of the event and obtain a written report. These reports are the only proof that the loss/theft did actually occur. Without them Fortis Insurance cannot make any payment to you. If you leave luggage and personal items unattended in a public place then Fortis Insurance cannot be held responsible for any resultant claim. You should always take reasonable care to look after your property and treat it as if it were not insured. There is no cover for cash or valuables left in an unattended vehicle at any time, even if the vehicle is locked.
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22. Are my glasses covered?
Yes, there is cover for glasses on our policies, they are included as valuables. However, the maximum amount that will be paid for sunglasses or prescription glasses of any kind is £150.
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23. When do I need to purchase my travel insurance?
At the time of booking your travel arrangements to make sure that you have cancellation cover in place for that particular trip.

If your travel arrangements change then you must call Insurefor.com immediately on 0844 482 0662. You must be able to provide the correct Period of Insurance on your documentation in the event of a claim.

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24. What do I need to take on holiday with me?
Please ensure that you take a copy of your certificate of insurance and a copy of the full policy wording - these documents contain important numbers that you may require whilst travelling.
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25. Are my golf clubs covered?
Yes, up to £1,500 with Premier policies (£1,000 with Standard policies) with a Single Club or Item of Golf Equipment limit of £500, provided you have paid the additional premium for the Golf Cover extension.
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26. Am I covered for cancellation?
If you have paid the appropriate premium, you are covered for cancellation of your holiday for the reasons stated in the policy wordings. You may be able to claim (subject to the policy terms and conditions) for any travel or accommodation costs that you have either already paid or are contracted to pay, that you cannot reclaim from the tour operator.
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27. What is an Excess Waiver?
If your policy includes the Excess Waiver, you will not need to pay the excess on any claim. The Excess Waiver must be purchased at the time of booking the insurance and cannot be added on later. Please contact Insurefor.com on 0844 482 0662
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28. What is an EHIC (formally E111)?
If you intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland, we would advise you to obtain a Form CM1 from your local main Post Office. On returning this, duly completed, to the main Post Office you will be issued with a European Health Insurance Card (EHIC), which will entitle you to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. SA40).
NB: In the event that you have used the EHIC to effectively reduce the cost or your treatment or medicines; then you will not have to pay an Excess in relation to any medical related claims.
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29. What vaccinations do I need?
You should check with your doctor as soon as possible. Your doctor will be best advised to tell you what vaccinations are required, if any.
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30. Can I change my policy?
We can change your policy within 14 days of purchase (except to add on excess waiver), after this you will only be able to make administration changes such as departure / return dates, extend the policy to cover Special Sports & Activities or upgrade the benefit levels within the policy. Please contact Insurefor.com on 0844 482 0662.
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31. Which Special Sports and Activities are covered at no additional premium?
Abseiling (within organiser's guidelines)
Angling
Archery
Athletics
Badminton
Ballooning - hot air (organised pleasure rides only)
Banana boating
Baseball
Basket Ball
Boardsailing
Bowling
Bungee Jumping (within organiser's guidelines)
Canoeing (up to grade 2 rivers only)
Climbing (on a climbing wall only)
Cricket
Curling
Cycling (no BMX or mountain biking)
Deep sea fishing
Fell walking
Fishing
Glacier walking
Gliding (no cover for crewing or piloting)
Golf
Gymnastics
Handball
Heptathlon
Hiking/trekking/walking (below 4000 metres)
Horse riding (Excl competitions / racing / jumping / hunting)
Hot air ballooning (organised pleasure rides only)
Ice skating
Indoor climbing (on climbing wall )
Kayaking (up to grade 2 rivers only)
Kite surfing
Marathon running
Motor cycling (up to 125cc)
Mountain biking
Netball
Non competitive football/soccer
Organised safari without guns
Orienteering
Overland trips
Parascending over water
Pony trekking
Raquetball
Rackets
Rambling
Rap jumping (within organiser's guidelines)
Ringos
Roller skating/ blading (wearing pads & helmets)
Rounders
Rowing (except racing)
Running
Safari trekking in a vehicle (must be an organised tour)
Safari trekking on foot (must be an organised tour)
Sailboarding
Scuba diving to a depth of 30 metres (within organiser's guidelines)
Sea kayaking
Skate boarding (wearing pads and helmets)
Sledging - pulled by horse or reindeer as a passenger
Snorkelling
Softball
Squash
Surfing
Table tennis
Ten pin bowling
Tennis
Tubing
Tug of war
Volley ball
Wakeboarding
Water Polo
Water skiing
White water rafting (within organiser's guidelines)
Windsurfing
Zorbing
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32. Which Special Sports and Activities are covered at no additional premium but where there is no cover in respect of any Personal Accident and Personal Liability sections?
Camel riding
Catamaran sailing (if qualified)
Clay pigeon shooting
Dinghy sailing
Go Karting (within organiser's guidelines)
Jet boating (no racing)
Jet skiing (no racing)
Paint balling (wearing eye protection)
Rifle range shooting
Sailing / yachting offshore (recreational, crewing, no racing)
Shooting (within organiser's guidelines)
Small bore target shooting (within organiser's guidelines)
War games (wearing eye protection)
Yachting (if qualified)
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33. Which Special Sports & Activities are covered with an additional premium?
American football
Climbing up to 4000 metres
Dry slope skiing
Endurance tests
Fives
Football - American
High altitude trekking
Hiking / trekking / walking (above 4000 metres)
Hockey
Lacrosse
Langlauf
Organised safari with guns
Outdoor endurance events
Parascending - over land
Rugby
Sand dune surfing / skiing
Scuba diving between 30m - 50m (within organiser's guidelines)
Speed skating
Street hockey (wearing pads and helmets)
Summer tobogganing
Trampolining
Trekking high altitude
White water canoeing (up to grade 4 only)
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34. Which Special Sports & Activities are covered with an additional premium, but where there is no cover in respect of any Personal Accident and Personal Liability sections?
Fencing (within organiser's guidelines)
Gaelic football
Hurling
Polo
Sailing / yachting inshore (recreational crewing, no racing)
Sailing / yachting offshore (recreational, no racing)
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35. Which Special Sports and Activities are not covered under any circumstances?
Adventure racing
Base jumping
Biathlon
Big game hunting
Black water rafting
BMX riding - stunt / obstacle
Bouldering
Boxing
Canyoning
Cave tubing
Caving and Pot holing
Climbing over 4000 metres
Cycle Racing
Cyclo cross
Drag racing
Flying (except passengers in licensed passenger carrying aircraft)
Free mountaineering
Hang gliding
Harness racing
High diving (over 5 metres)
Hunting (Fox / drag)
Jousting
Judo
Karate
Kendo
Manual work
Martial arts
Micro lighting
Modern pentathlon
Motor cycle racing
Motor racing
Motor rallying
Mountaineering (over 4000 metres)
Parachuting
Paragliding / parapenting
Potholing / caving
Powerboat racing
Power lifting
Professional Sports of any kind
Quad biking
River bugging
Rock climbing
Rodeo
Roller hockey
Shark diving (in cage)
Sky diving
Speed trial / time trial
Time trial / speed trial
Triathlon
Water ski jumping
Weight lifting
Wrestling
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36. What does "No cover will apply in respect of Personal Accident and Personal Liability" in Q32 & Q34 mean?
Personal Accident - No cover will apply, if You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or disablement.
Personal Liability - No cover will apply, if in the course of a Trip You become liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property.
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37. Will this policy cover me if my Trip has been Dynamically Packaged?
Yes, cover is provided irrespective of how your Trip / holiday has been packaged together.
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