Your Travel Plus Pack

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2 Your Travel Plus Pack

Welcome to your Travel Plus Pack

Enjoy more comfort and reassurance while you’re away with

Worldwide Travel Insurance¹, Comprehensive UK and European RAC

Cover, access to airport lounges around the world as well as discounts

on airport parking and airport hotels. All for £18.00 a month.

Don’t forget to save the phone numbers below in your mobile phone

so they’re always to hand when you need them.

Features you can enjoy now

Worldwide Family

Travel Insurance

Whether you’re skiing on the slopes

at Chamonix or exploring the Great

Barrier Reef, you and your family¹ are

covered. Includes a 24-hour medical

emergency support line.

If you or your family have a

pre-existing medical condition:

Call us on 0800 404 6852* to check

whether it can be covered².

RAC Comprehensive

Breakdown Cover

You can relax when you drive as you

now have RAC Roadside Recovery, At

Home & Onward Travel in the UK –

and breakdown cover in Europe.

For assistance 24/7, 365 days a year:

From the UK, call 0800 051 2298*

When travelling in Europe, call

+44 161 452 3205* .

Airport Services

Airport Lounge Access

You’ll be welcomed into more than 800

airport lounges worldwide, to

start your journey in a relaxed

environment. You have 6 visits every

year to use yourself or share with

your family and friends³.

To register, download our app,

which can be found through

iTunes or Google Play, called

Traveller Plus App or visit

barclays.dragonpasstraveller.com

or call 03 332 205 599*.

Airport Parking and

Airport Hotels Discounts

Get your holiday off to a great start with

Airport Parking & Hotels (APH) and save

up to 20% off standard prices on airport

parking & hotels at major UK airports.

Book online: Simply visit

www.partners.aph.com/tplus

Call: 01342 859548 quoting

‘TPLUS’*

Each account holder and his/her domestic partner must be under 80 years of age at the start of any trip to qualify for travel

insurance. Covers children under 18 years of age (under 23 years of age if still in full time education and living at home outside of

term time) travelling with the account holder or his/her domestic partner. All trips must start and end in the UK and last no longer

than 31 days.

Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted by

our Medical Risk Assessment team.

Additional lounge visits can be purchased via your Traveller Plus App, or by calling us on 03 332 205 599*. Some lounges restrict the

entry of children, so please check beforehand.

Things to know

Your new Travel Plus Pack

This product meets the demands and needs of

someone who requires Travel Insurance and/or

Breakdown Cover and does not already have cover or

is not happy with their existing cover.

Check you’re not covered elsewhere

To avoid paying for cover you don’t need, it’s

worth checking that you don’t already have similar

or overlapping cover on other packaged accounts or

policies.

Multi Pack Discount

When you add more than one Pack to the same

account, you’ll receive our multi-Pack discount of

£2 per month for each additional Pack you add.

Changed your mind?

If you decide you don’t want this Travel Plus Pack,

you have a statutory 14 day cooling off period in

which to cancel. This period begins on the date

your Travel Plus Pack is added to your Qualifying

Account or the date you receive your policy

document, whichever is the later. If you cancel

within this period and have paid your ﬁrst monthly

Travel Plus Pack fee, it will be refunded provided

you have not travelled and there has been no claim

or incident likely to give rise to a claim under your

Worldwide Travel Insurance or RAC Comprehensive

Breakdown Cover.

You’ll ﬁnd terms, conditions and exclusions for the features included in

your Travel Plus Pack on the following pages (please read them carefully

so you’ll know what’s covered – and what’s not).

Travel Plus Pack Airport Services - Please refer to your travel

terms and conditions in a separate booklet

4 Adding a Pack to your Current Account

6 Worldwide Travel Insurance - terms, conditions and exclusions

51 RAC Comprehensive Breakdown Cover

71 Arranged Overdraft interest charges

72 About Our Insurance Services

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Your Travel Plus Pack 3

Welcome to your Travel Plus Pack

Enjoy more comfort and reassurance while you’re away with

Worldwide Travel Insurance¹, Comprehensive UK and European RAC

Cover, access to airport lounges around the world as well as discounts

on airport parking and airport hotels. All for £18.00 a month.

Don’t forget to save the phone numbers below in your mobile phone

so they’re always to hand when you need them.

Features you can enjoy now

Airport Services

Airport Lounge Access

You’ll be welcomed into more than 800

airport lounges worldwide, to

start your journey in a relaxed

environment. You have 6 visits every

year to use yourself or share with

your family and friends³.

To register, download our app,

which can be found through

iTunes or Google Play, called

Traveller Plus App or visit

barclays.dragonpasstraveller.com

or call 03 332 205 599*.

Airport Parking and

Airport Hotels Discounts

Get your holiday off to a great start with

Airport Parking & Hotels (APH) and save

up to 20% off standard prices on airport

parking & hotels at major UK airports.

Book online: Simply visit

www.partners.aph.com/tplus

Call: 01342 859548 quoting

‘TPLUS’*

Each account holder and his/her domestic partner must be under 80 years of age at the start of any trip to qualify for travel

insurance. Covers children under 18 years of age (under 23 years of age if still in full time education and living at home outside of

term time) travelling with the account holder or his/her domestic partner. All trips must start and end in the UK and last no longer

than 31 days.

Pre-existing medical conditions are not covered at any time under this policy unless they have been disclosed to and accepted by

our Medical Risk Assessment team.

Additional lounge visits can be purchased via your Traveller Plus App, or by calling us on 03 332 205 599*. Some lounges restrict the

entry of children, so please check beforehand.

Things to know

Your new Travel Plus Pack

This product meets the demands and needs of

someone who requires Travel Insurance and/or

Breakdown Cover and does not already have cover or

is not happy with their existing cover.

Check you’re not covered elsewhere

To avoid paying for cover you don’t need, it’s

worth checking that you don’t already have similar

or overlapping cover on other packaged accounts or

policies.

Multi Pack Discount

When you add more than one Pack to the same

account, you’ll receive our multi-Pack discount of

£2 per month for each additional Pack you add.

Changed your mind?

If you decide you don’t want this Travel Plus Pack,

you have a statutory 14 day cooling off period in

which to cancel. This period begins on the date

your Travel Plus Pack is added to your Qualifying

Account or the date you receive your policy

document, whichever is the later. If you cancel

within this period and have paid your ﬁrst monthly

Travel Plus Pack fee, it will be refunded provided

you have not travelled and there has been no claim

or incident likely to give rise to a claim under your

Worldwide Travel Insurance or RAC Comprehensive

Breakdown Cover.

For your cancellation rights outside the 14 day

cooling off period please refer to the ’Changing or

ending a Pack’ wording contained in the ’Adding a

Pack to your Current Account’ terms and

conditions at the front of this Welcome Pack.

Minimum term

Unless you cancel within the 14 day cooling off

period, you must hold this Pack for a minimum

term of six months from it being added to your

Qualifying Account, after which you can cancel

the Pack at any time. There are some exceptions

to this. For more information please refer to the

’Changing or ending a Pack’ wording contained in

the ’Adding a Pack to your Current Account’ terms

and conditions section at the front of this Welcome

Pack.

To cancel, contact us on 0345 7 345 345, visit

your nearest Barclays Branch or tell us by writing to

Barclays, Leicester LE87 2BB.

Remember, your account is available without a

Pack, and with no monthly account fee.

You’ll ﬁnd terms, conditions and exclusions for the features included in

your Travel Plus Pack on the following pages (please read them carefully

so you’ll know what’s covered – and what’s not).

Travel Plus Pack Airport Services - Please refer to your travel

terms and conditions in a separate booklet

4 Adding a Pack to your Current Account

6 Worldwide Travel Insurance - terms, conditions and exclusions

51 RAC Comprehensive Breakdown Cover

71 Arranged Overdraft Interest Charges

72 About Our Insurance Services

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4 Your Travel Plus Pack

Adding a Pack to your Current Account

A Pack is a set of services (such as insurance)

that can be added to a qualifying current

account. You can do this in the Barclays

app or Online Banking, by calling us or

visiting a branch. These terms cover your

Pack and supplement and amend the Retail

Customer Agreement, which can be found

in our ’Barclays and You’ leaﬂet. If there’s

inconsistency between these and the

Customer Agreement, these terms take priority

in relation to the Packs.

The beneﬁts and services in the Packs may be

provided to you by another provider within the

Barclays Group of companies or by a provider

outside that group.

What’s a qualifying account?

You can only add a Pack to a Barclays Bank

Account, Barclays Basic Current Account,

Student Additions, Higher Education Account

or Premier Current Account or if you have

another account with us that we tell you is a

qualifying account.

Eligibility for Pack beneﬁts

Before choosing a Pack, you should check that

you are eligible for the beneﬁts under each

policy or feature (we will provide information

to help you do this). For instance, you may not

be eligible to claim for certain beneﬁts because

of your age, you have a pre-existing medical

condition or some activities or equipment may

not be covered. You will only be covered by any

of the insurance beneﬁts of Packs if you are a

UK resident. To count as UK resident, you must

spend at least 183 days a year within the UK.

What you pay

You pay a monthly fee for each Pack that

you add to a qualifying current account.

You’ll ﬁnd the current fees in the ’Barclays

Tariff for Personal Customers’, which is

available in branch, by calling us or at

barclays.co.uk/rca. No part of a Pack fee

is attributable to any particular beneﬁt or

service in your Pack. You will not be entitled

to a refund or reduction in the Pack Fee if you

choose not to use a beneﬁt or service, you’re

not eligible for a beneﬁt or service, or it’s not

otherwise available to you.

You may be able to add additional features to the

services included in a Pack and we’ll tell you what

these cost before you choose to add them.

Removing a Pack

When you can remove a Pack:

For most Packs, you can cancel or change

the Pack at any time. However, if you took

out a Travel Pack or Travel Plus Pack on or

after 1 September 2016, you must keep it for

six months from that date, and pay the Pack

fee for those six months. See below for more

information about the Travel or Travel Plus

Pack.

We may not let you re-select the same Pack for

a certain period after you cancel or change it.

We’ll tell you if any restrictions apply when you

cancel or change the Pack.

You can cancel your Pack by calling us, visiting

a branch or by writing to Barclays, Leicester

LE87 2BB.

When we can change or remove a Pack:

We may remove a Pack from your account if

you don’t pay the monthly Pack fee twice in a

row, if your account becomes inactive for six

months, it is no longer a qualifying account or

for the reasons set out in the Retail Customer

Agreement.

We can also close your account or remove a

Pack by giving you at least two months’ notice

in writing for any reason.

What happens when a Pack is removed?

If you cancel or we remove a Pack, you’ll no

longer be entitled to the beneﬁts or services

included in it. When the last Pack is removed

from your qualifying account, you’ll no longer

be entitled to any interest free arranged

overdraft that may have been made available

to you with the Packs.

Travel Pack and Travel Plus Packs

You must have a Travel Pack or Travel Plus Pack

for a minimum term of six months from it being

added to your qualifying account, after which

you can cancel the Pack at any time. There are

some exceptions to this requirement:

• You cancel the Pack during the 14 day

cooling-off period. This starts the day you

receive your Welcome Pack

• You close your qualifying account

• You experience ﬁnancial hardship due to a

signiﬁcant change in personal circumstances,

for example, you’re declared bankrupt

• You’re no longer resident in the UK, or you

reach 80 years of age

• Serious ill health, injury or mental incapacity

that prevents you from travelling or death of

an account holder

• You want to remove it after we have notiﬁed

you of an unfavourable change to the terms

of the Pack you hold, such as an increase in

price or a change in what the Pack provides

• We remove the Pack or close your qualifying

account for the reasons set out above.

When we can make changes to Packs

We review the Packs from time to time and may

make changes to them, including the beneﬁts

and services included in a Pack or the providers

of these or the Monthly fee. We may also make

changes to the terms on which each beneﬁt is

provided (such as changes to the terms of an

individual policy). We’ll give you

30 days’ personal notice before any changes

like these.

If we make changes to a Pack, we may provide

information about you to any new provider to

make sure there is no interruption in the beneﬁt

or service you receive. The new provider will

use your information to provide you with the

beneﬁts and services.

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Your Travel Plus Pack 5

Adding a Pack to your Current Account

You may be able to add additional features to the

services included in a Pack and we’ll tell you what

these cost before you choose to add them.

Removing a Pack

When you can remove a Pack:

For most Packs, you can cancel or change

the Pack at any time. However, if you took

out a Travel Pack or Travel Plus Pack on or

after 1 September 2016, you must keep it for

six months from that date, and pay the Pack

fee for those six months. See below for more

information about the Travel or Travel Plus

Pack.

We may not let you re-select the same Pack for

a certain period after you cancel or change it.

We’ll tell you if any restrictions apply when you

cancel or change the Pack.

You can cancel your Pack by calling us, visiting

a branch or by writing to Barclays, Leicester

LE87 2BB.

When we can change or remove a Pack:

We may remove a Pack from your account if

you don’t pay the monthly Pack fee twice in a

row, if your account becomes inactive for six

months, it is no longer a qualifying account or

for the reasons set out in the Retail Customer

Agreement.

We can also close your account or remove a

Pack by giving you at least two months’ notice

in writing for any reason.

What happens when a Pack is removed?

If you cancel or we remove a Pack, you’ll no

longer be entitled to the beneﬁts or services

included in it. When the last Pack is removed

from your qualifying account, you’ll no longer

be entitled to any interest free arranged

overdraft that may have been made available

to you with the Packs.

Travel Pack and Travel Plus Packs

You must have a Travel Pack or Travel Plus Pack

for a minimum term of six months from it being

added to your qualifying account, after which

you can cancel the Pack at any time. There are

some exceptions to this requirement:

• You cancel the Pack during the 14 day

cooling-off period. This starts the day you

receive your Welcome Pack

• You close your qualifying account

• You experience ﬁnancial hardship due to a

signiﬁcant change in personal circumstances,

for example, you’re declared bankrupt

• You’re no longer resident in the UK, or you

reach 80 years of age

• Serious ill health, injury or mental incapacity

that prevents you from travelling or death of

an account holder

• You want to remove it after we have notiﬁed

you of an unfavourable change to the terms

of the Pack you hold, such as an increase in

price or a change in what the Pack provides

• We remove the Pack or close your qualifying

account for the reasons set out above.

When we can make changes to Packs

We review the Packs from time to time and may

make changes to them, including the beneﬁts

and services included in a Pack or the providers

of these or the Monthly fee. We may also make

changes to the terms on which each beneﬁt

is provided (such as changes to the terms of

an individual policy). We’ll give you 30 days’

personal notice before any changes like these.

If we make changes to a Pack, we may provide

information about you to any new provider to

make sure there is no interruption in the beneﬁt

or service you receive. The new provider will

use your information to provide you with the

beneﬁts and services.

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6 Your Travel Plus Pack

Welcome to your Barclays Worldwide

Travel Insurance

Please take time to read this policy document as it contains important information. To help you understand

what you are covered for at a glance – we’ve highlighted some common questions below. If you have

a question and cannot ﬁnd the answer either below or in the policy wording, or are in any doubt about

whether or not you are insured for a particular purpose, please contact Customer Services on page 7.

Who is covered by this policy?

Cover is for any named account holder and their domestic

partner living at the same address (providing you are both

under 80 years of age at the start date of your trip). Your

children are covered when travelling with you if they are

under 18 years of age (or under 23 if in full time education

and living with you outside of term time).

All insured persons must be residents of the UK.

Do I need to tell you that I am travelling?

As long as you have told us about any relevant pre-existing

medical conditions you do not need to register with us or

tell us that you are travelling.

Do you need to know about pre-existing

medical conditions?

Yes. Please call the Medical Risk Assessment Helpline to

tell them if you, or any other insured persons, have received

advice, medication or treatment for any serious, chronic or

recurring illness, injury or disease. Failure to disclose before

booking trips or travelling will result in no cover for claims

arising from undisclosed conditions. See the ‘Your health’

section on page 24 for full details of when and what you

must declare.

Do you need to know if any travel plans

are reliant on the health of a travelling

companion or a close relative not insured

by this policy?

Yes. You must tell us if a close relative, travelling

companion or close business colleague (whether travelling

or not and upon whose good health your trip depends) has

any serious illness, injury or disease. See the ‘Your health

and the health of others section’ for full details of when

and what you must declare.

What is the maximum trip length?

Trips should be no longer than 31 days and must start and

end in the UK. However, when booking your trip, you may

be able to purchase an upgrade to cover an extended

duration.

What upgrades are available on

this policy?

For an additional cost the following upgrades are available:

• Extended trip duration up to a maximum of 90 days

• Increased cancellation cover to £10,000 per person

• Increased cover for Golf equipment and fees

• Extended baggage cover up to £2,500.

For further information please call the Upgrade number

shown overleaf.

Are holidays in the UK covered?

Yes. Holidays in the UK need to involve a stay of two or

more consecutive nights in pre-booked holiday

accommodation (excludes residential properties belonging

to family or friends).

Are winter sports holidays covered?

Yes. Winter sports holidays are covered for up to a

maximum of 31 days in total in any calendar year.

Can I claim for cancellation of my trip if I

have a problem with my travel documents

e.g. my passport is out of date/not arrived

in time or visa is invalid?

No, there is no cover under this policy for problems with

your travel documents before you leave. You should check

the local government embassy and the Foreign &

Commonwealth Ofﬁce website for the entry requirements

of the country you intend to visit, before you book your trip.

Travel Insurance Helplines

Medical Risk Assessment 0800 404 6852*

You must tell us about any pre-existing medical

conditions. Please see the Medical Declaration

section.

Lines are open 8am-8pm Monday to Friday,

9am-5pm Saturday.

Upgrades 0800 015 7350*

Use this number for all general policy enquiries.

Details of upgrades available are listed within

Helpful and Important information about your

insurance – amendments to your cover

• to obtain a quote call the upgrade helpline and

tell them you are a Barclays Worldwide Travel

Insurance customer.

Lines are open 8am – 10pm Monday to Friday,

8am to 6pm Saturday and 10am to 4pm Sunday.

Customer Services

Policy documentation is available in large print,

audio and Braille. If you require any of these

formats please contact us on 0800 400 100*

For a list of frequently asked questions, please

see aviva.co.uk/barclaystravelpackFAQ .

If you are unable to ﬁnd the information you

require, call us on 0800 404 6855*.

Lines are open 8am to 10pm Monday to Friday,

8am to 6pm Saturday and 10am to 4pm Sunday.

24-hour Medical Emergency Assistance

If you are injured or fall ill while you are away,

contact this helpline.

In case of medical emergency (UK) call

0800 404 6853 * (fax 01603 604 962)

In case of medical emergency (Worldwide)

call (+44) 1603 604 961

Travel Claims 0800 404 6856*

Use this number or website

(https://travelpacks.myclaimshub.co.uk/claim)

to report any travel claims, which are not as a

result of a medical emergency.

From outside the UK call (+44) 1603 604 964

Legal Expenses Claims & Advice

0800 404 6857*

Use this number to report any legal expenses

claim or if you require advice for any personal legal

problem that may lead to a claim under the policy.

Lines are open 24 hours a day.

Travel Assistant 0800 404 6854*

This helpline can assist you with a wide range of

travel advice before and while you are away.

Please do not call this number for policy queries,

changes or claims.

Lines are open 24 hours a day.

*Telephone Call Recording

For our joint protection calls may be recorded

and/or monitored.

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Your Travel Plus Pack 7

Welcome to your Barclays Worldwide

Travel Insurance

Please take time to read this policy document as it contains important information. To help you understand

what you are covered for at a glance – we’ve highlighted some common questions below. If you have

a question and cannot ﬁnd the answer either below or in the policy wording, or are in any doubt about

whether or not you are insured for a particular purpose, please contact Customer Services on page 7.

Who is covered by this policy?

Cover is for any named account holder and their domestic

partner living at the same address (providing you are both

under 80 years of age at the start date of your trip). Your

children are covered when travelling with you if they are

under 18 years of age (or under 23 if in full time education

and living with you outside of term time).

All insured persons must be residents of the UK.

Do I need to tell you that I am travelling?

As long as you have told us about any relevant pre-existing

medical conditions you do not need to register with us or

tell us that you are travelling.

Do you need to know about pre-existing

medical conditions?

Yes. Please call the Medical Risk Assessment Helpline to

tell them if you, or any other insured persons, have received

advice, medication or treatment for any serious, chronic or

recurring illness, injury or disease. Failure to disclose before

booking trips or travelling will result in no cover for claims

arising from undisclosed conditions. See the ‘Your health’

section on page 23 for full details of when and what you

must declare.

Do you need to know if any travel plans

are reliant on the health of a travelling

companion or a close relative not insured

by this policy?

Yes. You must tell us if a close relative, travelling

companion or close business colleague (whether travelling

or not and upon whose good health your trip depends) has

any serious illness, injury or disease. See the ‘Your health

and the health of others section’ for full details of when

and what you must declare.

What is the maximum trip length?

Trips should be no longer than 31 days and must start and

end in the UK. However, when booking your trip, you may

be able to purchase an upgrade to cover an extended

duration.

What upgrades are available on

this policy?

For an additional cost the following upgrades are available:

• Extended trip duration up to a maximum of 90 days

• Increased cancellation cover to £10,000 per person

• Increased cover for Golf equipment and fees

• Extended baggage cover up to £2,500.

For further information please call the Upgrade number

shown overleaf.

Are holidays in the UK covered?

Yes. Holidays in the UK need to involve a stay of two or

more consecutive nights in pre-booked holiday

accommodation (excludes residential properties belonging

to family or friends).

Are winter sports holidays covered?

Yes. Winter sports holidays are covered for up to a

maximum of 31 days in total in any calendar year.

Can I claim for cancellation of my trip if I

have a problem with my travel documents

e.g. my passport is out of date/not arrived

in time or visa is invalid?

No, there is no cover under this policy for problems with

your travel documents before you leave. You should check

the local government embassy and the Foreign &

Commonwealth Ofﬁce website for the entry requirements

of the country you intend to visit, before you book your trip.

Travel Insurance Helplines

Medical Risk Assessment 0800 404 6852*

You must tell us about any pre-existing medical

conditions. Please see the Medical Declaration

section.

Lines are open 8am-8pm Monday to Friday,

9am-5pm Saturday.

Upgrades 0800 015 7350*

Use this number for all general policy enquiries.

Details of upgrades available are listed within

Helpful and Important information about your

insurance – amendments to your cover

• to obtain a quote call the upgrade helpline and

tell them you are a Barclays Worldwide Travel

Insurance customer.

Lines are open 8am – 10pm Monday to Friday,

8am to 6pm Saturday and 10am to 4pm Sunday.

Customer Services

Policy documentation is available in large print,

audio and Braille. If you require any of these

formats please contact us on 0800 400 100*

For a list of frequently asked questions, please

see aviva.co.uk/barclaystravelpackFAQ .

If you are unable to ﬁnd the information you

require, call us on 0800 404 6855*.

Lines are open 8am to 10pm Monday to Friday,

8am to 6pm Saturday and 10am to 4pm Sunday.

24-hour Medical Emergency Assistance

If you are injured or fall ill while you are away,

contact this helpline.

In case of medical emergency (UK) call

0800 404 6853 * (fax 01603 604 962)

In case of medical emergency (Worldwide)

call (+44) 1603 604 961

Travel Claims 0800 404 6856*

Use this number or website

(https://travelpacks.myclaimshub.co.uk/claim)

to report any travel claims, which are not as a

result of a medical emergency.

From outside the UK call (+44) 1603 604 964

Legal Expenses Claims & Advice

0800 404 6857*

Use this number to report any legal expenses

claim or if you require advice for any personal legal

problem that may lead to a claim under the policy.

Lines are open 24 hours a day.

Travel Assistant 0800 404 6854*

This helpline can assist you with a wide range of

travel advice before and while you are away.

Please do not call this number for policy queries,

changes or claims.

Lines are open 24 hours a day.

*Telephone Call Recording

For our joint protection calls may be recorded

and/or monitored.

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8 Your Travel Plus Pack

Travel Assistant

Travel Assistant is a helpline service that helps you

sort out all kinds of travel problems. Before you go,

and while you are away, Travel Assistant can help

you with a wide range of travel advice, from

information on the country or countries you are

visiting to sorting out emergencies abroad.

The Travel Assistant helpline service is available

24 hours a day.

To use the service, please call the helpline

0800 404 6854*.

Please do not call this number for policy queries or

changes.

Advice before you travel

The Travel Assistant helpline service will give you

advice on:

1. any visa and entry permits you may need;

2. any necessary vaccination and inoculation

requirements, and where you can get them

done;

3. what you should take with you regarding ﬁrst

aid and health;

4. what currencies and travellers’ cheques to

take with you, and what the current exchange

rates are;

5. the languages spoken, the time zones and

details of countries you plan to visit; and

6. import and export allowances for tourists.

Travel Assistant during your trip

The Travel Assistant helpline will also be able to

help you while you are on a trip by giving advice

and guidance:

• on how to replace lost or stolen passports,

driving licences, air tickets, or other travel

documents;

• on how to trace your luggage with the airline

operator if it is delayed or lost;

• on why, how, where and when you should

contact local Embassies or Consulates;

• on how to transfer money out to you if you need

it; and

• to relatives, friends or employers if you are

unfortunate enough to go into hospital.

Other emergency services while travelling

• A ’phone home’ service if there is an emergency.

• A translation and interpretation service if you

need it.

Please note: there is no charge for the provision

of the advice, guidance and other emergency

services shown above which we provide to you while

travelling. However, if you wish us to obtain goods

or services on your behalf that are not covered by a

claim under this policy, you will need to pay any fees

the provider charges and you will need to adhere to

the provider’s terms and conditions.

24-hour Worldwide Medical

Emergency Assistance Service

We will pay the cost of the Medical Emergency

Assistance Service provided under this insurance.

The service will be governed by the terms,

conditions and exclusions in this Travel Insurance

policy and will be operated by our appointed

Medical Emergency Assistance provider.

If you need help, please phone Medical Emergency

Assistance helpline (+44) 1603 604 961 from

abroad.

An experienced Medical Emergency Assistance

co-ordinator will deal with your enquiry and make

sure that:

1. where necessary, hospitals are contacted;

2. necessary medical fees are guaranteed; and

3. medical advisers are consulted.

If any illness or injury means that you need to go

into hospital as an in-patient or you are told by

the treating doctor that you are going to need

tests or investigations as an out-patient, you

must contact the helpline before you make any

arrangements. If this is not possible because

the condition is serious, you must contact the

helpline as soon as possible after you go into

hospital.

If you need to return home for any reason,

it is also important that you contact the

helpline before you make any return journey

arrangements. It may affect your claim if you do

not contact the Medical Emergency Assistance

helpline.

Table of Beneﬁts

Section What are the main beneﬁts

and features?

What are the signiﬁcant or unusual

exclusions or limitations?

Limit per

person

Excess per

person

Cancellation Refund of your own personal

travel and accommodation

costs that you cannot get

back.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any possible reasons that you were

aware of that could prevent you

from travelling when you added the

Travel Plus Pack to your Qualifying

Account or booked a trip

(whichever is later).

£5,000 £50

(£20 loss of

deposit)

Missed

Connections

Cover for extra travel and

accommodation costs if you

miss your departure from or

to the UK or a connecting

ﬂight outside of the UK.

We will not pay any claim:

• where you have not allowed

sufﬁcient time, or done everything

you can, to get to your departure

point for the time speciﬁed on your

ticket/itinerary

• if your holiday is solely within the

UK.

£1,000 Nil

Travel Delay

after check in

Cover if the scheduled public

transport on which you are

booked to travel is delayed

for 12 hours or more.

• Any claim for travel delay in

relation to a journey that has not

been pre-booked.

£50 each

12 hours to a

max. £250

Nil

Abandoning

your holiday

Refund of your own unused

personal travel and

accommodation costs that

you cannot get back and,

where applicable, costs to

return home.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any possible reasons that you were

aware of that could prevent you

from travelling when you added

the Travel Plus Pack to your

Qualifying Account or booked a

trip

(whichever is later).

£5,000 £50

Emergency

Medical

Treatment

and

Associated

Expenses

Cover for emergency medical

treatment and, if necessary,

repatriation.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any claim for a medical condition

you were planning to get medical

treatment for during your trip.

£10,000,000

Lower limits

apply for some

associated

expenses.

£50

Accidental

Death and

Permanent

Injury Cover

Death or loss of limbs/sight

or permanent total

disablement following

accidental injury.

Sickness, disease, nervous shock or a

naturally occurring condition or

degenerative process.

£50,000

(£3,000 for

death if aged

under 16)

Nil

Personal

Liability

Cover if you cause accidental

injury or death to third

parties or damage to their

property.

Your job or the use of animals,

ﬁrearms, motorised vehicles, vessels

or aircraft.

£2,000,000 £50 for incidents

arising from

the occupation

of temporary

holiday

accommodation

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Your Travel Plus Pack 9

Travel Assistant

Please note: there is no charge for the provision

of the advice, guidance and other emergency

services shown above which we provide to you while

travelling. However, if you wish us to obtain goods

or services on your behalf that are not covered by a

claim under this policy, you will need to pay any fees

the provider charges and you will need to adhere to

the provider’s terms and conditions.

24-hour Worldwide Medical

Emergency Assistance Service

We will pay the cost of the Medical Emergency

Assistance Service provided under this insurance.

The service will be governed by the terms,

conditions and exclusions in this Travel Insurance

policy and will be operated by our appointed

Medical Emergency Assistance provider.

If you need help, please phone Medical Emergency

Assistance helpline (+44) 1603 604 961 from

abroad.

An experienced Medical Emergency Assistance

co-ordinator will deal with your enquiry and make

sure that:

1. where necessary, hospitals are contacted;

2. necessary medical fees are guaranteed; and

3. medical advisers are consulted.

If any illness or injury means that you need to go

into hospital as an in-patient or you are told by

the treating doctor that you are going to need

tests or investigations as an out-patient, you

must contact the helpline before you make any

arrangements. If this is not possible because

the condition is serious, you must contact the

helpline as soon as possible after you go into

hospital.

If you need to return home for any reason,

it is also important that you contact the

helpline before you make any return journey

arrangements. It may affect your claim if you do

not contact the Medical Emergency Assistance

helpline.

Table of Beneﬁts

Section What are the main beneﬁts

and features?

What are the signiﬁcant or unusual

exclusions or limitations?

Limit per

person

Excess per

person

Cancellation Refund of your own personal

travel and accommodation

costs that you cannot get

back.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any possible reasons that you were

aware of that could prevent you

from travelling when you added the

Travel Plus Pack to your Qualifying

Account or booked a trip

(whichever is later).

£5,000 £50

(£20 loss of

deposit)

Missed

Connections

Cover for extra travel and

accommodation costs if you

miss your departure from or

to the UK or a connecting

ﬂight outside of the UK.

We will not pay any claim:

• where you have not allowed

sufﬁcient time, or done everything

you can, to get to your departure

point for the time speciﬁed on your

ticket/itinerary

• if your holiday is solely within the

UK.

£1,000 Nil

Travel Delay

after check in

Cover if the scheduled public

transport on which you are

booked to travel is delayed

for 12 hours or more.

• Any claim for travel delay in

relation to a journey that has not

been pre-booked.

£50 each

12 hours to a

max. £250

Nil

Abandoning

your holiday

Refund of your own unused

personal travel and

accommodation costs that

you cannot get back and,

where applicable, costs to

return home.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any possible reasons that you were

aware of that could prevent you

from travelling when you added

the Travel Plus Pack to your

Qualifying Account or booked a

trip

(whichever is later).

£5,000 £50

Emergency

Medical

Treatment

and

Associated

Expenses

Cover for emergency medical

treatment and, if necessary,

repatriation.

We will not pay claims for:

• Pre-existing medical conditions,

unless disclosed to and accepted

by us.

• Any claim for a medical condition

you were planning to get medical

treatment for during your trip.

£10,000,000

Lower limits

apply for some

associated

expenses.

£50

Accidental

Death and

Permanent

Injury Cover

Death or loss of limbs/sight

or permanent total

disablement following

accidental injury.

Sickness, disease, nervous shock or a

naturally occurring condition or

degenerative process.

£50,000

(£3,000 for

death if aged

under 16)

Nil

Personal

Liability

Cover if you cause accidental

injury or death to third

parties or damage to their

property.

Your job or the use of animals,

ﬁrearms, motorised vehicles, vessels

or aircraft.

£2,000,000 £50 for incidents

arising from

the occupation

of temporary

holiday

accommodation

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10 Your Travel Plus Pack

Section What are the main

beneﬁts and features?

What are the signiﬁcant or

unusual exclusions or limitations?

Limit per

person

Excess per

person

Enforced

Stay Abroad

Cover if you are unable

to return home on your

scheduled return date

due to the airspace being

closed or an airport or port

that you

are due to travel from or

through being closed.

Any payment if you have not

purchased a return ticket or

conﬁrmed your return date with your

travel provider before the claim arises.

£100 each 24

hours to a max.

of £1,500 OR

£1,000 towards

cost to return

home

Nil

Catastrophe

Cover

Cover for extra

accommodation and/or

transport costs if you are

forced to move from your

independently booked

accommodation, due to

one of the reasons stated in

the policy wording.

Any claim where the catastrophe

had already occurred when the

Travel

Plus Pack had been added to the

Qualifying Account or the trip was

booked (whichever is later).

£750 Nil

Legal

Expenses

and Advice

Cover to pursue a civil claim

if you suffer personal injury

or death during your trip.

Any costs incurred before your claim

has been accepted.

Claims registered more than 180

days after the incident occurred.

£50,000 Nil

Hijack A beneﬁt for each 24 hours

that you cannot reach

your destination as a result

of the transport you are

travelling on being hijacked

during your trip.

Maximum

£1,000

Beneﬁt for each

24 hour period

£50

Nil

Mugging A beneﬁt for each 24 hours

that you receive in-patient

treatment due to injury

caused by a mugging

during your trip.

We will not pay claims where the

incident has not been reported to

the police.

Maximum

£1,000

Beneﬁt for each

24 hour period

£50

Nil

Pet Care A beneﬁt for each 24 hours

that your cat or dog

receives in-patient

veterinary treatment

as a result of suffering

accidental injury whilst

being cared for in the UK

during your trip.

We will not pay any claim if you do

not have written conﬁrmation from

the vet giving details of the injury

or accident and the number of days

that your cat or dog has been an

in-patient.

£250

Beneﬁt for each

24 hour period

£25

Nil

Personal

Money

Cover for loss or theft of

your personal money.

Any incident not reported to the

police within 24 hours of discovery.

Money or valuables not carried in

your hand baggage whilst you are

in transit.

£500

Limits: £500

cash or bank

notes. £100 for

under 16’s

£50

Personal

Baggage

cover

Cover for loss, theft or

damage to your personal

belongings, baggage and

valuables.

Theft claims from locked property

when there is no evidence of forcible

and violent entry.

£1,500

Limits: single

article and total

valuables £400

£50

Section What are the main

beneﬁts and features?

What are the signiﬁcant or

unusual exclusions or limitations?

Limit per

person

Excess per

person

Emergency

Travel

document

expenses

Cover for additional travel,

accommodation and

communication expenses

you need to pay during your

trip to obtain a temporary

passport or Visa if yours

is lost or stolen while you

are abroad, and, where

applicable, costs to return

home.

The cost of purchasing a new

replacement passport or visa

£750 Nil

Delayed

Baggage

A beneﬁt for temporary loss

of baggage for more than

12 hours on your outward

journey.

Any claim for baggage delayed or

detained by customs or other

ofﬁcials

£150 Nil

Winter

Sports cover

Cover for loss, theft or

damage to winter sports

equipment. Also covers

additional beneﬁts for

avalanche, ski pack, piste

closures or injury or illness.

• Winter sports equipment left in a

motor vehicle. Theft claims from

locked property when there is no

evidence of forcible and violent

entry.

• Damage to Winter sports

equipment while in use

£500 equipment

£200 avalanche

delay

£300 piste

closure

£500 ski pack

£50

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Your Travel Plus Pack 11

Section What are the main

beneﬁts and features?

What are the signiﬁcant or

unusual exclusions or limitations?

Limit per

person

Excess per

person

Enforced

Stay Abroad

Cover if you are unable

to return home on your

scheduled return date

due to the airspace being

closed or an airport or port

that you

are due to travel from or

through being closed.

Any payment if you have not

purchased a return ticket or

conﬁrmed your return date with your

travel provider before the claim arises.

£100 each 24

hours to a max.

of £1,500 OR

£1,000 towards

cost to return

home

Nil

Catastrophe

Cover

Cover for extra

accommodation and/or

transport costs if you are

forced to move from your

independently booked

accommodation, due to

one of the reasons stated in

the policy wording.

Any claim where the catastrophe

had already occurred when the

Travel

Plus Pack had been added to the

Qualifying Account or the trip was

booked (whichever is later).

£750 Nil

Legal

Expenses

and Advice

Cover to pursue a civil claim

if you suffer personal injury

or death during your trip.

Any costs incurred before your claim

has been accepted.

Claims registered more than 180

days after the incident occurred.

£50,000 Nil

Hijack A beneﬁt for each 24 hours

that you cannot reach

your destination as a result

of the transport you are

travelling on being hijacked

during your trip.

Maximum

£1,000

Beneﬁt for each

24 hour period

£50

Nil

Mugging A beneﬁt for each 24 hours

that you receive in-patient

treatment due to injury

caused by a mugging

during your trip.

We will not pay claims where the

incident has not been reported to

the police.

Maximum

£1,000

Beneﬁt for each

24 hour period

£50

Nil

Pet Care A beneﬁt for each 24 hours

that your cat or dog

receives in-patient

veterinary treatment

as a result of suffering

accidental injury whilst

being cared for in the UK

during your trip.

We will not pay any claim if you do

not have written conﬁrmation from

the vet giving details of the injury

or accident and the number of days

that your cat or dog has been an

in-patient.

£250

Beneﬁt for each

24 hour period

£25

Nil

Personal

Money

Cover for loss or theft of

your personal money.

Any incident not reported to the

police within 24 hours of discovery.

Money or valuables not carried in

your hand baggage whilst you are

in transit.

£500

Limits: £500

cash or bank

notes. £100 for

under 16’s

£50

Personal

Baggage

cover

Cover for loss, theft or

damage to your personal

belongings, baggage and

valuables.

Theft claims from locked property

when there is no evidence of forcible

and violent entry.

£1,500

Limits: single

article and total

valuables £400

£50

Section What are the main

beneﬁts and features?

What are the signiﬁcant or

unusual exclusions or limitations?

Limit per

person

Excess per

person

Emergency

Travel

document

expenses

Cover for additional travel,

accommodation and

communication expenses

you need to pay during your

trip to obtain a temporary

passport or Visa if yours

is lost or stolen while you

are abroad, and, where

applicable, costs to return

home.

The cost of purchasing a new

replacement passport or visa

£750 Nil

Delayed

Baggage

A beneﬁt for temporary loss

of baggage for more than

12 hours on your outward

journey.

Any claim for baggage delayed or

detained by customs or other

ofﬁcials

£150 Nil

Winter

Sports cover

Cover for loss, theft or

damage to winter sports

equipment. Also covers

additional beneﬁts for

avalanche, ski pack, piste

closures or injury or illness.

• Winter sports equipment left in a

motor vehicle. Theft claims from

locked property when there is no

evidence of forcible and violent

entry.

• Damage to Winter sports

equipment while in use

£500 equipment

£200 avalanche

delay

£300 piste

closure

£500 ski pack

£50

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12 Your Travel Plus Pack

Policy cover

Deﬁnitions

Wherever the following words or phrases appear in bold in this policy, they will have the following meanings.

abandon/abandonment Returning to the UK before your scheduled return date (including being transported

back by us to a UK hospital), or being an in-patient in hospital for more than 24 hours

during your trip.

account holder Any person named as an account holder on the Qualifying Account, who is under 80

years of age at the start date of the trip.

Barclays Bank UK PLC

Barclays Bank UK PLC, Registered in England number: 9740322

Registered Ofﬁce: 1 Churchill Place, London E14 5HP.

close business colleague Someone you work with in the UK who has to be in work in order for you to be able to

go on or continue a trip. A senior manager or director of the business must conﬁrm this

in the event of a claim.

close relative Your mother, father, sister, brother, marital/civil or domestic partner who lives with you,

ﬁancé(e), daughter, son, grandparent, grandchild, parent-in-law, daughter-in-law,

son-in-law, brother-in-law, sister-in-law, step-parent, step-child, step-sister,

step-brother, aunt, uncle, cousin, nephew, niece, legal guardian or foster child.

doctor A registered member of the medical profession practising in the UK who is not related to

you or anyone you are travelling with.

excess / excesses The amount(s) as shown that you will have to pay towards any claim by an insured

person under the section. If any one incident results in an insured person claiming

under more than one section of the policy you will only have to pay a maximum of one

excess per insured person.

home Your home address in the UK.

loss of one or more limbs The loss of your hand or foot at or above the wrist or ankle, or the total and permanent

loss of use of your entire hand, arm, foot or leg.

partner The person that the account holder lives with at home in a domestic relationship,

whether married or cohabiting (as if husband and wife), regardless of gender, who is

under 80 years of age at the start date of the trip.

period of insurance Each trip you make, whilst the Travel Plus Pack is in force, will be treated as a separate

period of insurance; individually subject to all policy terms, conditions, warranties and

exclusions.

Cover for each separate trip applies as follows:

• Cancellation cover begins from the date Travel Plus Pack was added to your

Qualifying Account or the date of booking each separate trip (whichever is later) and

ends when you leave your home to start your trip.

• Cover under all other sections starts when you leave your home to begin your trip and

ends when you return home providing that you do not exceed the trip limit.

permanent total

disablement

A permanent and total disability that means you cannot do any kind of job.

personal money

Cash (including foreign currency), travellers’ cheques, non-refundable pre-paid event

and entertainment tickets, travel tickets, passports and driving licences.

point of international

departure

The airport, port or station from which you will undertake international travel from or

into the UK, (this deﬁnition extends to include travel between the UK and the Channel

Islands).

pre-booked holiday

accommodation

A commercially run premises where a fee is charged which has been booked prior to the

departure of your trip, but not including residential properties belonging to family or

friends.

qualifying account

Barclays Bank Account, Barclays Basic Current Account, Student Additions, Higher

Education Account or Premier Current Account to which Travel Plus Pack has been

added

total loss of sight

Complete and permanent loss of sight

travel plus pack

A combined package of insurance, service and/or ﬁnancial features (including Travel

Insurance) that can be added to any Qualifying Account, for a monthly fee.

travelling companion A person you travel with, without whom you cannot make or continue your trip.

trip(s) Journeys beginning and ending in the UK that last no more than 31 days that are either:

• holidays outside the UK; or

• holidays within the UK that include two or more consecutive nights stay in

pre-booked holiday accommodation.

England, Scotland, Wales, Northern Ireland and Isle of Man

UK resident An insured person whose main home is in the UK, who is registered with a doctor in the

UK and who is liable to pay taxes in the UK.

unattended Not in your full view or positioned where you are unable to prevent unauthorised taking

of your property, unless it is left in a locked room or safe. Property left in a motor vehicle

is unattended unless the vehicle is locked and the items are placed out of view in an

enclosed storage compartment, boot or luggage space.

valuables

Jewellery, costume jewellery, watches, items made of or containing gold, silver, precious

metal or precious stones, binoculars, hand held games consoles and equipment, mobile

phones, audio visual, photographic, video camera, computer and television equipment.

We, Us, Our, Insurer

Aviva Insurance Limited. Registered in Scotland, No. 2116.

Registered Ofﬁce: Pitheavlis, Perth PH2 0NH.

Authorised by the Prudential Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation Authority.

winter sports equipment

Skis, snowboard, boots, helmets, bindings or poles.

you/your/yours/yourself/

insured Person

The account holder, his/her partner (providing you are both under 80 years of age at

the start date of your trip) and their dependent children who at the start date of the trip

are under 18 years of age (under 23 years of age if still in full time education and living at

home outside of term time).

Children are only covered:

• when travelling with the account holder, or his/her partner, or

• whilst travelling abroad on their own to visit and stay with close relatives who live

abroad, for the duration of the trip.

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Your Travel Plus Pack 13

Policy cover

Deﬁnitions

Wherever the following words or phrases appear in bold in this policy, they will have the following meanings.

abandon/abandonment Returning to the UK before your scheduled return date (including being transported

back by us to a UK hospital), or being an in-patient in hospital for more than 24 hours

during your trip.

account holder Any person named as an account holder on the Qualifying Account, who is under 80

years of age at the start date of the trip.

Barclays Bank UK PLC

Barclays Bank UK PLC, Registered in England number: 9740322

Registered Ofﬁce: 1 Churchill Place, London E14 5HP.

close business colleague Someone you work with in the UK who has to be in work in order for you to be able to

go on or continue a trip. A senior manager or director of the business must conﬁrm this

in the event of a claim.

close relative Your mother, father, sister, brother, marital/civil or domestic partner who lives with

you,

ﬁancé(e), daughter, son, grandparent, grandchild, parent-in-law, daughter-in-law,

son-in-law, brother-in-law, sister-in-law, step-parent, step-child, step-sister,

step-brother, aunt, uncle, cousin, nephew, niece, legal guardian or foster child.

doctor A registered member of the medical profession practising in the UK who is not related to

you or anyone you are travelling with.

excess / excesses The amount(s) as shown that you will have to pay towards any claim by an

insured

person under the section. If any one incident results in an insured person claiming

under more than one section of the policy you will only have to pay a maximum of one

excess per insured person.

home Your home address in the UK.

loss of one or more limbs The loss of your hand or foot at or above the wrist or ankle, or the total and permanent

loss of use of your entire hand, arm, foot or leg.

partner The person that the account holder lives with at home in a domestic relationship,

whether married or cohabiting (as if husband and wife), regardless of gender, who is

under 80 years of age at the start date of the trip.

period of insurance Each trip you make, whilst the Travel Plus Pack is in force, will be treated as a separate

period of insurance; individually subject to all policy terms, conditions, warranties and

exclusions.

Cover for each separate trip applies as follows:

• Cancellation cover begins from the date Travel Plus Pack was added to your

Qualifying Account or the date of booking each separate trip (whichever is later) and

ends when you leave your home to start your trip.

• Cover under all other sections starts when you leave your home to begin

your trip and

ends when you return home providing that you do not exceed the trip limit.

permanent total

disablement

A permanent and total disability that means you cannot do any kind of job.

personal money

Cash (including foreign currency), travellers’ cheques, non-refundable pre-paid event

and entertainment tickets, travel tickets, passports and driving licences.

point of international

departure

The airport, port or station from which you will undertake international travel from or

into the UK, (this deﬁnition extends to include travel between the UK and the Channel

Islands).

pre-booked holiday

accommodation

A commercially run premises where a fee is charged which has been booked prior to the

departure of your trip, but not including residential properties belonging to family or

friends.

qualifying account

Barclays Bank Account, Barclays Basic Current Account, Student Additions, Higher

Education Account or Premier Current Account to which Travel Plus Pack has been

added

total loss of sight

Complete and permanent loss of sight

travel plus pack

A combined package of insurance, service and/or ﬁnancial features (including Travel

Insurance) that can be added to any Qualifying Account, for a monthly fee.

travelling companion A person you travel with, without whom you cannot make or continue your trip.

trip(s) Journeys beginning and ending in the UK that last no more than 31 days that are either:

• holidays outside the UK; or

• holidays within the UK that include two or more consecutive nights stay in

pre-booked holiday accommodation.

England, Scotland, Wales, Northern Ireland and Isle of Man

UK resident An insured person whose main home is in the UK, who is registered with a doctor in the

UK and who is liable to pay taxes in the UK.

unattended Not in your full view or positioned where you are unable to prevent unauthorised taking

of your property, unless it is left in a locked room or safe. Property left in a motor vehicle

is unattended unless the vehicle is locked and the items are placed out of view in an

enclosed storage compartment, boot or luggage space.

valuables

Jewellery, costume jewellery, watches, items made of or containing gold, silver, precious

metal or precious stones, binoculars, hand held games consoles and equipment, mobile

phones, audio visual, photographic, video camera, computer and television equipment.

We, Us, Our, Insurer

Aviva Insurance Limited. Registered in Scotland, No. 2116.

Registered Ofﬁce: Pitheavlis, Perth PH2 0NH.

Authorised by the Prudential Regulation Authority and regulated by the Financial

Conduct Authority and the Prudential Regulation Authority.

winter sports equipment

Skis, snowboard, boots, helmets, bindings or poles.

you/your/yours/yourself/

insured Person

The account holder, his/her partner (providing you are both under 80 years of age at

the start date of your trip) and their dependent children who at the start date of the trip

are under 18 years of age (under 23 years of age if still in full time education and living at

home outside of term time).

Children are only covered:

• when travelling with the account holder, or his/her partner, or

• whilst travelling abroad on their own to visit and stay with close relatives who live

abroad, for the duration of the trip.

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14 Your Travel Plus Pack

Your Travel Insurance Policy

This Worldwide Travel Insurance is included with

your Travel Plus Pack. Please read this policy

document carefully, keep it in a safe place and take

it with you when you travel. It gives you full details

of what is covered, what is not covered, and the

limits, excesses and conditions of cover.

Information and changes we need to know about

You must take reasonable care to provide complete

and accurate answers to the questions we ask when

you add the Travel Plus Pack to your Qualifying

Account or make changes to your policy.

Please tell the Medical Risk Assessment Team

immediately if there are any changes to your

health or the health of anyone else the trip

depends on (e.g. a travelling companion, or a

close relative even if they are not travelling with

you). Please see the Medical Declaration section of

your policy.

Please call the Upgrade helpline if you are planning

a trip that is over a duration of 31 days.

If you are in any doubt, please contact us.

When we are notiﬁed of a change, we will tell you

if this affects your policy, for example whether we

are able to accept the change and if so, whether the

change will result in revised terms.

If the information provided by you is not complete

and accurate we may:

1. amend the medical underwriting decision(s) for

any declared Pre Existing Condition(s) which

may result in an accepted condition being

excluded, or

2. refuse to pay any claim, or

3. not pay any claim in full, or

4. cancel this policy

depending upon the information that you have

given us.

Children

Dependent children who at the start date of the trip

are under 18 years of age (under 23 years of age if

still in full time education and living at home outside

of term time) are only covered:

i. when travelling with the account holder, or

his/her partner, or

ii. whilst travelling abroad on their own to visit and

stay with close relatives who permanently live

abroad, for the duration of the trip.

Choice of Law

The law of England and Wales will apply to this

contract, unless:

• you and we agree otherwise; or

• at the date of the contract you are a resident of

Scotland, Northern Ireland or the Isle of Man in

which case (in the absence of agreement to the

contrary) the law of that country will apply.

Customers with Disabilities

This policy and other associated documentation is

also available in large print, audio and Braille. If you

require any of these formats please contact

0800 400 100*.

Your Information

Barclays is committed to protecting your personal

data. We will use your information for a number of

different purposes, for example, to manage your

account(s), to provide our products and services to

you and others and to meet our legal and regulatory

obligations. We may also share your information with

our trusted 3rd parties for these purposes. For more

detailed information on how and why we use your

information, including the rights in relation to your

personal data, and our legal grounds for using it,

please go to barclays.co.uk/control-your-data

or you can request a copy from us.

Credit Reference Agencies and Fraud

Prevention Agencies

In order to process your application we will supply

your personal information to credit reference

agencies and fraud prevention agencies and

they will give us information about you, such as

about your ﬁnancial history. We do this to assess

creditworthiness and product suitability, check your

identity, manage your account, trace and recover

debts and prevent criminal activity. These agencies

may in turn share your personal information with

other organisations. If fraud is detected, you could

be refused certain services, ﬁnance or employment.

Once you open an account with us, we will share

account data with the credit reference agencies on

an ongoing basis.

If false or inaccurate information is provided to us

and fraud is identiﬁed, details may be passed to

credit reference and fraud prevention agencies to

prevent fraud and money laundering and to verify

your identity.

The Credit Reference Agency Information Notice

(CRAIN) describes how the three main credit

reference agencies in the UK each use and share

personal data. The CRAIN is available on

the credit

reference agencies’ websites:

• transunion.co.uk/crain

• equifax.co.uk/crain

• experian.co.uk/crain

Or you can ask us for a copy of these.

For more details on how information held by credit

reference agencies and fraud prevention agencies

may be used, please go to

barclays.co.uk/control-your-data or you can

request a copy from us.

Personal Information

The Insurer collects and uses personal information

about you so that we can provide you with a policy

that suits your insurance needs. This notice explains

the most important aspects of how we use your

information but you can get more information

about the terms we use and view our full privacy

policy at www.aviva.co.uk/privacypolicy or

request a copy by writing to us at Aviva, Freepost,

Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est,

Syston, Leicester, LE7 1PD

The data controller responsible for this personal

information is Gresham Insurance company Limited.

Additional controllers include Barclays Bank UK PLC,

who are responsible for the sale and distribution of

the product and any applicable reinsurers.

Personal information we collect and how we use it

The Insurer will use your personal information:-

• to provide you with insurance: we need this to

decide if we can offer insurance to you and if so

on what terms and also to administer your policy

and handle any claims,

• to support legitimate interests that we have as a

business: we need this to manage arrangements

we have with reinsurers, for the detection

and prevention of fraud and to help us better

understand our customers and improve our

customer engagement (this includes customer

analytics and proﬁling),

• to meet any applicable legal or regulatory

obligations: we need this to meet compliance

requirements with our regulators (e.g. Financial

Conduct Authority), to comply with law

enforcement and to manage legal claims; and

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Your Travel Plus Pack 15

Choice of Law

The law of England and Wales will apply to this

contract, unless:

• you and we agree otherwise; or

• at the date of the contract you are a resident of

Scotland, Northern Ireland or the Isle of Man in

which case (in the absence of agreement to the

contrary) the law of that country will apply.

Customers with Disabilities

This policy and other associated documentation is

also available in large print, audio and Braille. If

you

require any of these formats please contact

0800 400 100*.

Your Information

Barclays is committed to protecting your personal

data. We will use your information for a number of

different purposes, for example, to manage your

account(s), to provide our products and services to

you and others and to meet our legal and regulatory

obligations. We may also share your information with

our trusted 3rd parties for these purposes. For more

detailed information on how and why we use your

information, including the rights in relation to your

personal data, and our legal grounds for using it,

please go to barclays.co.uk/control-your-data

or you can request a copy from us.

Credit Reference Agencies and Fraud

Prevention Agencies

In order to process your application we will supply

your personal information to credit reference

agencies and fraud prevention agencies and

they will give us information about you, such as

about your ﬁnancial history. We do this to assess

creditworthiness and product suitability, check your

identity, manage your account, trace and recover

debts and prevent criminal activity. These agencies

may in turn share your personal information with

other organisations. If fraud is detected, you could

be refused certain services, ﬁnance or employment.

Once you open an account with us, we will share

account data with the credit reference agencies on

an ongoing basis.

If false or inaccurate information is provided to us

and fraud is identiﬁed, details may be passed to

credit reference and fraud prevention agencies to

prevent fraud and money laundering and to verify

your identity.

The Credit Reference Agency Information Notice

(CRAIN) describes how the three main credit

reference agencies in the UK each use and share

personal data. The CRAIN is available on

the credit reference agencies’ websites:

• transunion.co.uk/crain

• equifax.co.uk/crain

• experian.co.uk/crain

Or you can ask us for a copy of these.

For more details on how information held by credit

reference agencies and fraud prevention agencies

may be used, please go to

barclays.co.uk/control-your-data or you can

request a copy from us.

Personal Information

The Insurer collects and uses personal information

about you so that we can provide you with a policy

that suits your insurance needs. This notice explains

the most important aspects of how we use your

information but you can get more information

about the terms we use and view our full privacy

policy at www.aviva.co.uk/privacypolicy or

request a copy by writing to us at Aviva, Freepost,

Mailing Exclusion Team, Unit 5, Wanlip Road Ind Est,

Syston, Leicester, LE7 1PD

The data controller responsible for this personal

information is Gresham Insurance company Limited.

Additional controllers include Barclays Bank UK PLC,

who are responsible for the sale and distribution of

the product and any applicable reinsurers.

Personal information we collect and how we use it

The Insurer will use your personal information:-

• to provide you with insurance: we need this to

decide if we can offer insurance to you and if so

on what terms and also to administer your policy

and handle any claims,

• to support legitimate interests that we have as a

business: we need this to manage arrangements

we have with reinsurers, for the detection

and prevention of fraud and to help us better

understand our customers and improve our

customer engagement (this includes customer

analytics and proﬁling),

• to meet any applicable legal or regulatory

obligations: we need this to meet compliance

requirements with our regulators (e.g. Financial

Conduct Authority), to comply with law

enforcement and to manage legal claims; and

• to carry out other activities that are in the public

interest: for example we may need to use personal

information to carry out anti-money laundering

checks.

As well as collecting personal information about you,

we may also use personal information about other

people, for example family members you wish to

insure on a policy. If you are providing information

about another person we expect you to ensure that

they know you are doing so and are content with

their information being provided to us. You might

ﬁnd it helpful to show them this privacy notice and if

they have any concerns please contact us in one of

the ways described below.

The personal information we collect and use will

include name, address, date of birth, and ﬁnancial

information. If a claim is made we will also collect

personal information about the claim from you and

any relevant third parties. We may also need to ask

for details relating to the health or any unspent

offences or criminal convictions of you or somebody

else covered under your policy. We recognise that

information about health and offences or criminal

convictions is particularly sensitive information.

Where appropriate, we will ask for consent to collect

and use this information

If we need your consent to use personal information,

we will make this clear to you when you complete an

application or submit a claim. If you give us consent

to using personal information, you are free to

withdraw this at any time by contacting us . Please

note that if consent to use information is withdrawn

we may not be able to continue to provide the policy

or process claims and we may need to cancel the

policy.

Of course, you don’t have to provide us with any

personal information, but if you don’t provide the

information we need we may not be able to proceed

with your application or any claim you make.

Some of the information we collect as part of this

application may be provided to us by a third party.

This may include information already held about you

within the Barclays Group companies and the Aviva

group, including details from previous quotes and

claims, information we obtain from publicly available

records, our trusted third parties and from industry

databases, including fraud prevention agencies and

databases.

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16 Your Travel Plus Pack

Automated decision making

We carry out automated decision making to

decide whether we can provide insurance to

you and on what terms, deal with claims or

carry out fraud checks. In particular we use an

automated underwriting engine to provide a

quote for this product using the information we

have collected.

How we share your personal information

with others

We may share your personal information:-

• With the Aviva group, our agents and third parties

who provide services to us, your bank and other

insurers (either directly or via those acting for the

insurer such as travel administration companies,

loss adjusters or investigators) to help us

administer our products and services;

• With regulatory bodies and law enforcement

bodies, including the police, e.g. if we are required

to do so to comply with a relevant legal or

regulatory obligation;

• With other organisations including insurers,

public bodies and the police (either directly or

using shared databases) for fraud prevention and

detection purposes;

• With reinsurers who provide reinsurance

services to Aviva and for each other. Reinsurers

will use your data to decide whether to provide

reinsurance cover, assess and deal with

reinsurance claims and to meet legal obligations.

They will keep your data for the period necessary

for these purposes and may need to disclose it to

other companies within their group, their agents

and third party service providers, law enforcement

and regulatory bodies

Some of the organisations we share information with

may be located outside of the European Economic

Area (“EEA”). We’ll always take steps to ensure that

any transfer of information outside of Europe is

carefully managed to protect your privacy rights.

For more information on this please see our Privacy

Policy or contact us.

How long we keep your personal information for

We maintain a retention policy to ensure we

only keep personal information for as long as we

reasonably need it for the purposes explained in this

notice. We need to keep information for the period

necessary to administer your insurance and deal

with claims and queries on your policy. We may also

need to keep information after our relationship with

you has ended, for example to ensure we have an

accurate record in the event of any complaints or

challenges, carry out relevant fraud checks, or where

we are required to do so for legal, regulatory or tax

purposes.

Your rights

You have various rights in relation to your personal

information, including the right to request access

to your personal information, correct any mistakes

on our records, erase or restrict records where they

are no longer required, object to use of personal

information based on legitimate business interests,

ask not to be subject to automated decision making

if the decision produces legal or other signiﬁcant

effects on you, and data portability. For more details

in relation to your rights, including how to exercise

them, please see our full privacy policy or contact us

using the below information.

Contacting us

If you have any questions about how we use

personal information, or if you want to exercise

your rights stated above, please contact our Data

Protection Ofﬁcer by either emailing them at

DATAPRT@aviva.com or writing to them at Aviva,

Level 4, Pitheavlis, Perth. PH2 0NH

If you have a complaint or concern about how we

use your personal information, please contact us

in the ﬁrst instance and we will attempt to resolve

the issue as soon as possible. You also have the

right to lodge a complaint with the Information

Commissioners Ofﬁce at any time.

Telephone Call Recording

For our joint protection calls may be recorded

and/or monitored.

Use of Language

Unless otherwise agreed, the contractual terms and

conditions and other information relating to this

contract will be in English.

Your Cooling off and other Cancellation Rights

You have a statutory 14 day cooling off period in

which to cancel your Worldwide Travel Insurance

contract. This period begins on the date your Travel

Plus Pack is added to your Qualifying Account

or the date you receive your policy document,

whichever is the later. However, as this forms part of

your Travel Plus Pack, cancellation of your Travel

Insurance contract will also require your Travel Plus

Pack to be closed. If you cancel within this period and

have paid your ﬁrst monthly Travel Plus Pack fee, it

will be refunded provided you have not travelled and

there has been no claim or incident likely to give rise

to a claim.

For your

cancellation rights outside of the 14 day

cooling off period please refer to the ’Changing or

ending a Pack’ wording contained in the ’Adding a

Pack to your Current Account’ terms and conditions

contained at the front of this Welcome Pack.

When your Worldwide Travel Insurance ends

The policy will remain in force until the ﬁrst of the

following automatic termination events occur:

The account holder:

• cancels or removes their Travel Plus Pack –

when and how you can do this is set out in the

’Adding a Pack to your Current Account’ terms

and conditions contained at the front of this

Welcome Pack

• closes the Qualifying Account

• reaches 80 years of age

• is no longer a UK resident

Barclays Bank UK PLC removes the Travel Plus

Pack or closes the Qualifying Account for one of

the reasons in the ’Adding a Pack to your Current

Account’ terms and conditions at the front of this

Welcome Pack.

Note: If a joint account holder is not eligible for the

travel insurance cover there will be no refund or

reduction in the Travel Plus Pack fee.

As your circumstances may change over time, it is

important that you review the terms and

conditions of your Worldwide Travel Insurance

regularly to check you remain eligible and that the

cover remains adequate for your needs.

Important Note

Please make sure that you read your policy

carefully. You may not receive any cover or cover

may be reduced if you do not keep to the policy

conditions.

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Your Travel Plus Pack 17

we are required to do so for legal, regulatory or tax

purposes.

Your rights

You have various rights in relation to your personal

information, including the right to request access

to your personal information, correct any mistakes

on our records, erase or restrict records where they

are no longer required, object to use of personal

information based on legitimate business interests,

ask not to be subject to automated decision making

if the decision produces legal or other signiﬁcant

effects on you, and data portability. For more details

in relation to your rights, including how to exercise

them, please see our full privacy policy or contact us

using the below information.

Contacting us

If you have any questions about how we use

personal information, or if you want to exercise

your rights stated above, please contact our Data

Protection Ofﬁcer by either emailing them at

DATAPRT@aviva.com or writing to them at Aviva,

Level 4, Pitheavlis, Perth. PH2 0NH

If you have a complaint or concern about how we

use your personal information, please contact us

in the ﬁrst instance and we will attempt to resolve

the issue as soon as possible. You also have the

right to lodge a complaint with the Information

Commissioners Ofﬁce at any time.

Telephone Call Recording

For our joint protection calls may be recorded

and/or monitored.

Use of Language

Unless otherwise agreed, the contractual terms and

conditions and other information relating to this

contract will be in English.

Your Cooling off and other Cancellation Rights

You have a statutory 14 day cooling off period in

which to cancel your Worldwide Travel Insurance

contract. This period begins on the date

your Travel

Plus Pack is added to your Qualifying Account

or the date you receive your policy document,

whichever is the later. However, as this forms part of

your Travel Plus Pack, cancellation of your

Travel

Insurance contract will also require your Travel Plus

Pack to be closed. If you cancel within this period and

have paid your ﬁrst monthly Travel Plus Pack

fee, it

will be refunded provided you have not travelled and

there has been no claim or incident likely to give rise

to a claim.

For your cancellation rights outside of the 14 day

cooling off period please refer to the ’Changing or

ending a Pack’ wording contained in the ’Adding a

Pack to your Current Account’ terms and conditions

contained at the front of this Welcome Pack.

When your Worldwide Travel Insurance ends

The policy will remain in force until the ﬁrst of the

following automatic termination events occur:

The account holder:

• cancels or removes their Travel Plus Pack –

when and how you can do this is set out in the

’Adding a Pack to your Current Account’ terms

and conditions contained at the front of this

Welcome Pack

• closes the Qualifying Account

• reaches 80 years of age

• is no longer a UK resident

Barclays Bank UK PLC removes the Travel Plus

Pack or closes the Qualifying Account for one of

the reasons in the ’Adding a Pack to your Current

Account’ terms and conditions at the front of this

Welcome Pack.

Note: If a joint account holder is not eligible for the

travel insurance cover there will be no refund or

reduction in the Travel Plus Pack fee.

As your circumstances may change over time, it is

important that you review the terms and

conditions of your Worldwide Travel Insurance

regularly to check you remain eligible and that the

cover remains adequate for your needs.

Important Note

Please make sure that you read your policy

carefully. You may not receive any cover or cover

may be reduced if you do not keep to the policy

conditions.

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18 Your Travel Plus Pack

General Exclusions and Conditions –

these apply to the whole of your policy

General Exclusions

This policy does not cover the following:

Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected

with any of the following, whether or not contributed to by any other cause or event:

a. war; invasion; act of a foreign enemy; hostilities or warlike operation or operations (whether war has been

declared or not); civil war; revolution, rebellion or insurrection; civil commotion which is of such severity or

magnitude that it can amount to or be likened to an uprising; military power (even if properly authorised by the

duly elected government); usurped power; or

b. any action taken to prevent, control or suppress, or which in any way relates to a) above.

Claims directly or indirectly caused by:

a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning

nuclear fuel; or

b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part

of an assembly; or

c. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

3. Any claim for your death, injury, illness or disability resulting from;

a. your suicide or attempted suicide, or

b. your misuse of alcohol or drugs or your consumption of alcohol or drugs (other than drugs taken under medical

supervision and not for treating alcohol or drug addiction) to an extent which causes immediate or long-term

physical or mental impairment, including impairment to your judgement causing you to take actions you would

not normally have taken, or

c. any exacerbation of an accepted medical condition caused by your misuse of alcohol or drugs.

4. Any claim where during the trip you deliberately put yourself at risk of death, injury, illness or disability (unless you

were trying to save human life).

5. Any loss that is not speciﬁcally described in the cover sections of this policy, e.g. we will not pay for loss of earnings

if you are unable to return to work due to injury or illness during your trip, or any payment which you would

normally have made during your travels.

Claims resulting from any tour operator, travel agent, airline or other service provider becoming insolvent and not

being able or willing to carry out any part of their duty to you.

7. Any claim for an incident which happens during the trip that results from;

a. y o u ﬂying an aircraft or taking part in other aerial activities not listed in the Leisure Activities and Activity Based

Holidays section.

b. you riding or being a passenger on a scooter, moped or motorcycle;

i. 125cc or under; unless you wear a crash helmet and, as a rider, you are fully licensed to use such a vehicle in

the UK

ii. over 125cc; unless this is your mode of transport from the UK and you wear a crash helmet and appropriate

protective clothing; and, as a rider, you are fully licensed and insured to use this vehicle in the UK.

c. you riding or being a passenger on a quad bike, all terrain vehicle or similar on or off road vehicle.

d. you driving any motorised vehicle, unless you are fully licensed to drive such a vehicle in the UK.

e. y o u driving or being a passenger in any motorised vehicle unless you have complied with all laws applying to use

of that vehicle in the country you are visiting, for example, you must wear a seat belt where this is required by

law.

f. your involvement in paid or unpaid manual work or physical labour of any kind, other than Charity and

Conservation work as shown in the Activity Based Holidays and Winter Sports section.

g. you taking part in a leisure activity, activity based holiday or winter sports activity not listed in the Leisure

Activities or Activity Based Holidays and Winter Sports section.

h. you taking part in exploration or scientiﬁc expeditions.

i. Any claim where the purpose of your trip is Business Travel.

j. you sitting on any balcony railing; ledge or wall, regardless of its height; or

you jumping from or climbing on or over any balcony railing; ledge or wall, regardless of its height, unless your

life is in danger (other than Artiﬁcial Wall Climbing listed in the Leisure activities section).

8. Any claim resulting from a tropical disease where you have not had the recommended inoculations and/or taken

the recommended medication.

Any claim for:

• unused travel or accommodation arranged by using air miles, loyalty or points based ownership schemes,

timeshares or similar promotions

• management fees, maintenance costs or exchange fees associated with loyalty or points based ownership

schemes, timeshares or similar promotions

• costs where these are recoverable from your travel and/or accommodation provider

• the refund of any costs you have paid for on behalf of persons not insured under this policy

• administration costs charged by your travel and/or accommodation provider in respect of obtaining a refund for

unused travel and accommodation.

10. Any claim because you do not feel like travelling, or you are not enjoying your trip.

General Conditions

1. The account holder must have added the Travel Plus Pack to the Qualifying Account.

2. You must take reasonable care to provide complete and accurate answers to the questions we ask when you add

Travel Plus Pack to your Qualifying Account and to tell the insurer about your health and the health of anyone

else your travel plans depend on.

Please note that if you fail to tell the insurer about any pre-existing medical conditions this could invalidate your

insurance cover and could mean that part or all of a claim may not be paid. It is therefore very important that you

read the Medical Declaration.

If the information provided by you is not complete and accurate, we may:

• amend the medical underwriting decision(s) for any declared pre-existing condition(s) which may result in an

accepted condition being excluded, or

• refuse to pay any claim, or

• not pay any claim in full, or

• cancel this insurance

depending on the information that you have given us.

3. Our right to cancel

In addition to 2) above, Barclays Bank UK PLC may cancel the Worldwide Travel Insurance immediately on our

behalf by sending at least 7 days’ written notice to your last known postal and/or email address setting out the

reason for cancellation.

Valid reasons include but are not limited to the following:

• Where we have reasonable grounds for thinking you have committed (or attempt) fraud against us.

• Where you fail to co-operate with us or provide us with information or documentation we reasonably require and

this affects our ability to process a claim or defend our interests. See the General Conditions 7, 8, 9 and 10 below.

• Where you have not taken reasonable care to provide complete and accurate answers to the questions we ask as

required in ’Contract of Insurance and Information and Changes We Need To Know About’ section in this policy

booklet and General Condition 2.

• Barclays Bank UK PLC may also cancel this insurance and your Travel Plus Pack in accordance with the terms of

the Barclays Retail Customer Agreement. Please refer to the Retail Customer Agreement for further details.

4. Claims Fraud

If your claim is in any way dishonest or exaggerated we will not pay any beneﬁt under this policy and we may

cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take

legal action against you.

5. You must take reasonable precautions to protect yourself and your property against any accident, injury, theft, loss

or damage.

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Your Travel Plus Pack 19

General Exclusions and Conditions –

these apply to the whole of your policy

This policy does not cover the following:

Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected

with any of the following, whether or not contributed to by any other cause or event:

a. war; invasion; act of a foreign enemy; hostilities or warlike operation or operations (whether war has been

declared or not); civil war; revolution, rebellion or insurrection; civil commotion which is of such severity or

magnitude that it can amount to or be likened to an uprising; military power (even if properly authorised by the

duly elected government); usurped power; or

b. any action taken to prevent, control or suppress, or which in any way relates to a) above.

Claims directly or indirectly caused by:

a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning

nuclear fuel; or

b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part

of an assembly; or

c. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

3. Any claim for your death, injury, illness or disability resulting from;

a. your suicide or attempted suicide, or

b. your misuse of alcohol or drugs or your consumption of alcohol or drugs (other than drugs taken under medical

supervision and not for treating alcohol or drug addiction) to an extent which causes immediate or long-term

physical or mental impairment, including impairment to your judgement causing you to take actions

you would

not normally have taken, or

c. any exacerbation of an accepted medical condition caused by your misuse of alcohol or drugs.

4. Any claim where during the trip you deliberately put yourself at risk of death, injury, illness or disability (unless

you

were trying to save human life).

5. Any loss that is not speciﬁcally described in the cover sections of this policy, e.g. we will not pay for loss of earnings

if you are unable to return to work due to injury or illness during your trip, or any payment which you would

normally have made during your travels.

Claims resulting from any tour operator, travel agent, airline or other service provider becoming insolvent and not

being able or willing to carry out any part of their duty to you.

7. Any claim for an incident which happens during the trip that results from;

a. y o u ﬂying an aircraft or taking part in other aerial activities not listed in the Leisure Activities and Activity Based

Holidays section.

b. you riding or being a passenger on a scooter, moped or motorcycle;

i. 125cc or under; unless you wear a crash helmet and, as a rider, you are fully licensed to use such a vehicle in

the UK

ii. over 125cc; unless this is your mode of transport from the UK and you wear a crash helmet and appropriate

protective clothing; and, as a rider, you are fully licensed and insured to use this vehicle in the UK

c. you riding or being a passenger on a quad bike, all terrain vehicle or similar on or off road vehicle.

d. you driving any motorised vehicle, unless you are fully licensed to drive such a vehicle in the UK.

e. y o u driving or being a passenger in any motorised vehicle unless you have complied with all laws applying to use

of that vehicle in the country you are visiting, for example, you must wear a seat belt where this is required by

law.

f. your involvement in paid or unpaid manual work or physical labour of any kind, other than Charity and

Conservation work as shown in the Activity Based Holidays and Winter Sports section.

g. you taking part in a leisure activity, activity based holiday or winter sports activity not listed in the Leisure

Activities or Activity Based Holidays and Winter Sports section.

h. you taking part in exploration or scientiﬁc expeditions.

i. Any claim where the purpose of your trip is Business Travel.

j. you sitting on any balcony railing; ledge or wall, regardless of its height; or

you jumping from or climbing on or over any balcony railing; ledge or wall, regardless of its height, unless your

life is in danger (other than Artiﬁcial Wall Climbing listed in the Leisure activities section).

8. Any claim resulting from a tropical disease where you have not had the recommended inoculations and/or taken

the recommended medication.

Any claim for:

• unused travel or accommodation arranged by using air miles, loyalty or points based ownership schemes,

timeshares or similar promotions

• management fees, maintenance costs or exchange fees associated with loyalty or points based ownership

schemes, timeshares or similar promotions

• costs where these are recoverable from your travel and/or accommodation provider

• the refund of any costs you have paid for on behalf of persons not insured under this policy

• administration costs charged by your travel and/or accommodation provider in respect of obtaining a refund for

unused travel and accommodation.

10. Any claim because you do not feel like travelling, or you are not enjoying your trip.

General Conditions

1. The account holder must have added the Travel Plus Pack to the Qualifying Account.

2. You must take reasonable care to provide complete and accurate answers to the questions we ask when you add

Travel Plus Pack to your Qualifying Account and to tell the insurer about your health and the health of anyone

else your travel plans depend on.

Please note that if you fail to tell the insurer about any pre-existing medical conditions this could invalidate your

insurance cover and could mean that part or all of a claim may not be paid. It is therefore very important that you

read the Medical Declaration.

If the information provided by you is not complete and accurate, we may:

• amend the medical underwriting decision(s) for any declared pre-existing condition(s) which may result in an

accepted condition being excluded, or

• refuse to pay any claim, or

• not pay any claim in full, or

• cancel this insurance

depending on the information that you have given us.

3. Our right to cancel

In addition to 2) above, Barclays Bank UK PLC may cancel the Worldwide Travel Insurance immediately on our

behalf by sending at least 7 days’ written notice to your last known postal and/or email address setting out the

reason for cancellation.

Valid reasons include but are not limited to the following:

• Where we have reasonable grounds for thinking you have committed (or attempt) fraud against us.

• Where you fail to co-operate with us or provide us with information or documentation we reasonably require and

this affects our ability to process a claim or defend our interests. See the General Conditions 7, 8, 9 and 10 below.

• Where you have not taken reasonable care to provide complete and accurate answers to the questions we ask as

required in ’Contract of Insurance and Information and Changes We Need To Know About’ section in this policy

booklet and General Condition 2.

• Barclays Bank UK PLC may also cancel this insurance and your Travel Plus Pack in accordance with the terms of

the Barclays Retail Customer Agreement. Please refer to the Retail Customer Agreement for further details.

4. Claims Fraud

If your claim is in any way dishonest or exaggerated we will not pay any beneﬁt under this policy and we may

cancel your policy immediately and backdate the cancellation to the date of the fraudulent claim. We may also take

legal action against you.

5. You must take reasonable precautions to protect yourself and your property against any accident, injury, theft, loss

or damage.

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20 Your Travel Plus Pack

6. If we make a payment before cover is conﬁrmed and our claims investigation reveals that no cover exists under the

terms of the policy, you must pay us back any amount we have paid, which you are not covered for.

7. You must tell us as soon as possible after any injury, illness, incident or redundancy, or if you discover any loss or

damage which may lead to a claim under this policy. You must also tell us if you are aware of any writ, summons or

prosecution. You must send us every communication relating to a claim immediately.

8. You, or any person acting for you, must not negotiate, admit or reject any claim without our permission in writing.

9. We may refuse to pay any expenses for which you cannot provide receipts or bills.

10. You or your legal representative must pay for any relevant certiﬁcates, information and evidence, which we may

need to deal with your claim; for example death or medical certiﬁcates, police reports or purchase receipts. When

there is a claim for injury or illness, we may ask for, and will pay for, any insured person to be medically examined

on our behalf. We may also ask for, and will pay for, a post-mortem examination if any insured person dies.

11.

If, at the time of an incident which results in a claim under this policy, there is any other insurance covering the

same loss, damage, expense or liability, we are entitled to approach that insurer for a contribution towards the

claim, and will only pay our share. This condition does not apply to the Accidental Death and Permanent Injury

Cover or Holiday Disruption Beneﬁt sections.

12. We are entitled to take over and carry out in your name the defence or settlement of any legal action. We may also

take proceedings at our own expense and for our own beneﬁt, but in your name, to recover any payment we have

made under this policy to anyone else.

13. You cannot transfer your rights under this policy.

A person, partnership (whether limited or not) or company who is not insured under the policy has no rights under

the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.

14. If you make a medical claim you will be asked to supply your doctor’s name to enable us to access your medical

records. This will help the treating doctors, and us, to provide you with the most appropriate treatment and assess

whether cover applies. If you do not agree to provide this we may not deal with your claim.

15. For your cancellation rights outside of the 14 day cooling off period please refer to the ’Changing or ending a Pack’

wording contained in the ’Adding a Pack to your Current Account’ terms and conditions contained at the front of

this Welcome Pack.

16. We can, at any time and after taking a fair and reasonable view, make changes to your Travel Insurance terms and

conditions, to reﬂect changes in our expectations of the future likely cost of providing cover. Policy cover may

increase or decrease, but the changes will not be made for the sake of recouping past losses.

When doing so we will only consider one or more of the following:

1. our experience and expectations of the cost of providing this product and/or other Aviva products of a similar

nature.

2. information reasonably available to us on the actual and expected claims experience of insurers of similar

products.

3. widely available economic information such as inﬂation rates and exchange rates.

Additionally, we can, at any time and after taking a fair and reasonable view, make changes to your Travel

Insurance terms and conditions:

a. to reﬂect changes (affecting us or your policy) in the law or regulation or the interpretation of law or regulation,

or changes in taxation.

b. to reﬂect decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice,

with which we intend to comply.

c. in order to make your policy clearer and fairer to you or to rectify any mistakes that may be discovered in due

course.

Changes (together with the reasons for such changes) will be notiﬁed to you in writing at least 30 days in advance.

Helpful and important information

about your insurance

This policy is not a general health or private

medical insurance policy and will only cover you

if you have a sudden and unexpected accident or

become ill.

It does not cover:

• non-emergency treatment, or

• any treatment that you knew you might need

whilst on your trip, or

• claims arising from any pre-existing medical

conditions unless declared to and accepted in

writing by the Medical Risk Assessment

helpline.

It is therefore very important that you read the

Medical Declaration, and provide complete and

accurate information. The Medical Declaration

under this Worldwide Travel Insurance policy

applies from the time you added the Travel Plus

Pack to your Qualifying Account and each time

you book a trip; it applies to all insured persons

and anyone else upon whose good health your

trip depends, even if they are not travelling

with you.

Please read this policy document carefully, keep it in a

safe place and take it with you when you travel. It gives

you

full details of what is covered, what is not covered, and

the limits, excesses and conditions of cover. We will

insure you against loss, damage, legal liability, illness or

bodily injury, which may happen during the period of

insurance providing:

• The account holder has added Travel Plus Pack to a

Qualifying Account

• you are a UK resident

• the trip begins after the date the Travel Plus Pack was

added to the Qualifying Account

• the journey is a round trip beginning and ending in the

UK that lasts no more than 31 days

• the journey is either a holiday:

a. outside the UK; or

b. within the UK, which includes two or more

consecutive nights stay in pre-booked holiday

accommodation.

Amendments to cover

You may be able to upgrade from the standard

cover for the extensions shown below. If you need

an upgrade, please call the Upgrade helpline number

before you book your holiday for further information

and a quotation.

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Your Travel Plus Pack 21

6. If we make a payment before cover is conﬁrmed and our claims investigation reveals that no cover exists under the

terms of the policy, you must pay us back any amount we have paid, which you are not covered for.

7. You must tell us as soon as possible after any injury, illness, incident or redundancy, or if you discover any loss or

damage which may lead to a claim under this policy. You must also tell us if you are aware of any writ, summons or

prosecution. You must send us every communication relating to a claim immediately.

8. You, or any person acting for you, must not negotiate, admit or reject any claim without our permission in writing.

9. We may refuse to pay any expenses for which you cannot provide receipts or bills.

10. You or your legal representative must pay for any relevant certiﬁcates, information and evidence, which

we may

need to deal with your claim; for example death or medical certiﬁcates, police reports or purchase receipts. When

there is a claim for injury or illness, we may ask for, and will pay for, any insured person to be medically examined

on our behalf. We may also ask for, and will pay for, a post-mortem examination if any insured person dies.

11.

If, at the time of an incident which results in a claim under this policy, there is any other insurance covering the

same loss, damage, expense or liability, we are entitled to approach that insurer for a contribution towards the

claim, and will only pay our share. This condition does not apply to the Accidental Death and Permanent Injury

Cover or Holiday Disruption Beneﬁt sections.

12. We are entitled to take over and carry out in your name the defence or settlement of any legal action.

We may also

take proceedings at our own expense and for our own beneﬁt, but in your name, to recover any payment we have

made under this policy to anyone else.

13. You cannot transfer your rights under this policy.

A person, partnership (whether limited or not) or company who is not insured under the policy has no rights under

the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.

14. If you make a medical claim you will be asked to supply your doctor’s name to enable us to access your

medical

records. This will help the treating doctors, and us, to provide you with the most appropriate treatment and assess

whether cover applies. If you do not agree to provide this we may not deal with your claim.

15. For your cancellation rights outside of the 14 day cooling off period please refer to the ’Changing or ending a Pack’

wording contained in the ’Adding a Pack to your Current Account’ terms and conditions contained at the front of

this Welcome Pack.

16. We can, at any time and after taking a fair and reasonable view, make changes to your Travel Insurance terms and

conditions, to reﬂect changes in our expectations of the future likely cost of providing cover. Policy cover may

increase or decrease, but the changes will not be made for the sake of recouping past losses.

When doing so we will only consider one or more of the following:

1. our experience and expectations of the cost of providing this product and/or other Aviva products of a similar

nature.

2. information reasonably available to us on the actual and expected claims experience of insurers of similar

products.

3. widely available economic information such as inﬂation rates and exchange rates.

Additionally, we can, at any time and after taking a fair and reasonable view, make changes to your Travel

Insurance terms and conditions:

a. to reﬂect changes (affecting us or your policy) in the law or regulation or the interpretation of law or regulation,

or changes in taxation.

b. to reﬂect decisions or recommendations of an Ombudsman, regulator or similar person, or any code of practice,

with which we intend to comply.

c. in order to make your policy clearer and fairer to you or to rectify any mistakes that may be discovered in due

course.

Changes (together with the reasons for such changes) will be notiﬁed to you in writing at least 30 days in advance.

Helpful and important information

about your insurance

This policy is not a general health or private

medical insurance policy and will only cover you

if you have a sudden and unexpected accident or

become ill.

It does not cover:

• non-emergency treatment, or

• any treatment that you knew you might need

whilst on your trip, or

• claims arising from any pre-existing medical

conditions unless declared to and accepted in

writing by the Medical Risk Assessment

helpline.

It is therefore very important that you read the

Medical Declaration, and provide complete and

accurate information. The Medical Declaration

under this Worldwide Travel Insurance policy

applies from the time you added the Travel Plus

Pack to your Qualifying Account and each time

you book a trip; it applies to all insured persons

and anyone else upon whose good health your

trip depends, even if they are not travelling

with you.

Please read this policy document carefully, keep it in a

safe place and take it with you when you travel. It gives

you

full details of what is covered, what is not covered, and

the limits, excesses and conditions of cover. We will

insure you against loss, damage, legal liability, illness or

bodily injury, which may happen during the period of

insurance providing:

• The account holder has added Travel Plus Pack to a

Qualifying Account

• you are a UK resident

• the trip begins after the date the Travel Plus Pack was

added to the Qualifying Account

• the journey is a round trip beginning and ending in the

UK that lasts no more than 31 days

• the journey is either a holiday:

a. outside the UK; or

b. within the UK, which includes two or more

consecutive nights stay in pre-booked holiday

accommodation.

Amendments to cover

You may be able to upgrade from the standard

cover for the extensions shown below. If you need

an upgrade, please call the Upgrade helpline number

before you book your holiday for further information

and a quotation.

• Extended Trip Duration – extends your trip

duration from 31 days up to a maximum of

90 days.

• Golf – cover for loss, damage or theft of your golf

clubs and green fees if you are unable to play due

to accident or illness during your trip.

• Extended Baggage cover up to a maximum of

£2,500 per insured person.

• Increased cancellation cover up to a maximum of

£10,000 per insured person.

Automatic cover

The insurance cover automatically applies for each

trip; this means you do not have to contact us

every time you book a trip, unless you need to tell

us about any change to a previously disclosed

medical condition or the diagnosis of a new medical

condition.

Automatic extension of cover

If you cannot get back home before your cover

ends, your insurance will remain in force as follows:

1. up to 14 days if any vehicle you are travelling in

breaks down, or any vehicle, vessel, train or aircraft

in which you are travelling as a ticket holding

passenger is cancelled or delayed; or

2. up to 30 days if you cannot return home due to

your accidental injury or illness or quarantine.

We will also continue to pay for medical treatment

under the Emergency Medical Treatment and

Associated Expenses section for this period or

any extended period that is considered medically

necessary by our Medical Emergency Assistance

provider and agreed by us.

Automatic Termination of Cover

The policy will remain in force until the ﬁrst of the

following automatic termination events occur:

The account holder:

• cancels or removes their Travel Plus Pack -

when and how you can do this is set out in the

’Adding a Pack to your Current Account’ terms

and conditions contained in the front of this

Welcome Pack

• closes the Qualifying Account

• reaches 80 years of age

• is no longer a UK resident

Barclays Bank UK PLC removes the Travel Plus

Pack or closes the Qualifying Account for one of

the reasons contained in the ’Adding a Pack to your

Current Account’ terms and conditions at the front

of this Welcome Pack.

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22 Your Travel Plus Pack

Note: If a joint account holder is not eligible for

the travel insurance cover there will be no refund or

reduction in the Travel Plus Pack fee.

If an insured person is on a trip when we remove

the Pack or close your Qualifying Account in

accordance with the above all cover will cease when

the trip ends.

As your circumstances may change over time,

it is important that you review the terms and

conditions of your Worldwide Travel Insurance

regularly to check you remain eligible and that the

cover remains adequate for your needs.

Children

Dependent children who at the start date of the trip

are under 18 years of age (under 23 years of age if

still in full time education and living at home outside

of term time) are only covered:

• when travelling with the account holder, or

his/her partner, or

• whilst travelling abroad on their own to visit and

stay with close relatives who live abroad, for the

duration of the trip.

Foreign and Commonwealth Ofﬁce (FCO) –

Travel Advice by Country

The FCO provides travel advice to help UK citizens

make judgements about travelling to a particular

country, providing guidance on staying safe whilst

in the country and being aware of ongoing issues

that may interfere with your travel plans.

Please note this policy provides cover for

Cancellation or Abandonment if the FCO has issued

advice against all travel or all but essential travel to

a particular country. In the event of such advice

being issued for your destination, you should

always contact your tour operator/travel agent in

the ﬁrst instance.

If you cannot rearrange your travel or you still wish

to travel, you will have the full beneﬁt of your

insurance so long as you comply with the advice of

the local authorities in the area you are staying, for

example by observing curfew restrictions and

avoiding public gatherings or demonstrations and

you do not put yourself in danger. Speciﬁcally,

please note General Exclusions 1 and 4. Please

note the policy will not cover you for abandonment

if the FCO had advised against travel before you left

the UK.

Terrorism

If you are accidentally caught up in a terrorist

incident when you are travelling, you have cover

for Emergency Medical Treatment and repatriation

costs if you are injured and need medical assistance.

Please see section “Your Health and the Health of

Others” for full terms and conditions.

If the FCO has advised against all travel or all but

essential travel as a result of a terrorist incident at

your destination this policy will provide cover for

cancellation and abandonment of your trip. Please

see sections “Before You Leave Home” and “On Your

Trip” for full terms and conditions.

Leisure activities and activity based holidays

You are automatically covered for claims arising from

your participation in a number of leisure activities on

an incidental and recreational basis; or if you have

booked an acceptable activity based holiday – see

the Leisure activities, Activity based holidays and

Winter sports activities section for full details.

Policy Limits

Each section of your policy has a limit on the

amount we will pay under that section. Some

sections also include other speciﬁc limits, for

example, for any one item or limits for valuables in

total. Check your policy booklet to see if the cover is

adequate if you want to take expensive items away

with you.

Reasonable Care

You must take the same level of care as you would

take if you did not have this insurance. You must

take all reasonable precautions to protect yourself

and prevent accidents, theft, loss or damage.

Reciprocal Health Agreements

European Union

If you are travelling to countries in the European

Union, Iceland, Liechtenstein, Norway or

Switzerland we strongly advise that you take a

European Health Insurance Card (EHIC) with you.

Application forms can be obtained from the post

ofﬁce or online and should be completed and

validated before you travel. This will allow you to

beneﬁt from the reciprocal health arrangements

which exist with these countries. You should take

reasonable steps to use these arrangements

where possible.

Australia

If you

require medical treatment in Australia, you

must enrol with a local Medicare ofﬁce. Yo u do not

need to enrol on arrival but you must do this after

the ﬁrst occasion you receive treatment. In-patient

and out patient treatment at a public hospital is then

available free of charge. Details of how to enrol and

the free treatment available can be found at

www.humanservices.gov.au by searching for

Medicare forms.

Trip Limit

You

are covered for any trip beginning and ending

in the UK that lasts no more than 31 days; please

make sure that this trip duration is adequate for

your needs before you travel. There is no cover at all

for any trip that is longer than 31 days and we will

not insure any part of any trip that is longer than 31

days unless you have purchased an appropriate trip

extension upgrade before you leave home to begin

your trip.

If you

require cover for an extended duration please

call the Upgrade helpline number shown before you

book your holiday, to ask whether or not we can

extend the trip limit under this policy.

Scooters/Mopeds/Motorcycles

You are automatically covered, as a rider or

passenger, if you hire a scooter, moped or

motorcycle 125cc or under during your trip for

incidental and recreational use, please note General

Exclusion 8b.

Quad Bikes/All Terrain Vehicles (ATV)

No cover exists under this policy for your use of

a quad bike or other ATV, as a rider or passenger,

whether on or off-road.

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Your Travel Plus Pack 23

Terrorism

If you are accidentally caught up in a terrorist

incident when you are travelling, you have cover

for Emergency Medical Treatment and repatriation

costs if you are injured and need medical assistance.

Please see section “Your Health and the Health of

Others” for full terms and conditions.

If the FCO has advised against all travel or all but

essential travel as a result of a terrorist incident at

your destination this policy will provide cover for

cancellation and abandonment of your trip

. Please

see sections “Before You Leave Home” and “On Your

Trip” for full terms and conditions.

Leisure activities and activity based holidays

You are automatically covered for claims arising from

your participation in a number of leisure activities on

an incidental and recreational basis; or if

you have

booked an acceptable activity based holiday – see

the Leisure activities, Activity based holidays and

Winter sports activities section for full details.

Policy Limits

Each section of your policy has a limit on the

amount we will pay under that section. Some

sections also include other speciﬁc limits, for

example, for any one item or limits for valuables

total. Check your policy booklet to see if the cover is

adequate if you want to take expensive items away

with you.

Reasonable Care

You must take the same level of care as

you would

take if you did not have this insurance. You must

take all reasonable precautions to protect yourself

and prevent accidents, theft, loss or damage.

Reciprocal Health Agreements

European Union

If you are travelling to countries in the European

Union, Iceland, Liechtenstein, Norway or

Switzerland we strongly advise that you take a

European Health Insurance Card (EHIC) with you.

Application forms can be obtained from the post

ofﬁce or online and should be completed and

validated before you travel. This will allow you to

beneﬁt from the reciprocal health arrangements

which exist with these countries. You should take

reasonable steps to use these arrangements

where possible.

Australia

If you require medical treatment in Australia, you

must enrol with a local Medicare ofﬁce. Yo u do not

need to enrol on arrival but you must do this after

the ﬁrst occasion you receive treatment. In-patient

and out patient treatment at a public hospital is then

available free of charge. Details of how to enrol and

the free treatment available can be found at

www.humanservices.gov.au by searching for

Medicare forms.

Trip Limit

You are covered for any trip beginning and ending

in the UK that lasts no more than 31 days; please

make sure that this trip duration is adequate for

your needs before you travel. There is no cover at all

for any trip that is longer than 31 days and we will

not insure any part of any trip that is longer than 31

days unless you have purchased an appropriate trip

extension upgrade before you leave home to begin

your trip.

If you require cover for an extended duration please

call the Upgrade helpline number shown before you

book your holiday, to ask whether or not we can

extend the trip limit under this policy.

Scooters/Mopeds/Motorcycles

You are automatically covered, as a rider or

passenger, if you hire a scooter, moped or

motorcycle 125cc or under during your trip for

incidental and recreational use, please note General

Exclusion 8b.

Quad Bikes/All Terrain Vehicles (ATV)

No cover exists under this policy for your use of

a quad bike or other ATV, as a rider or passenger,

whether on or off-road.

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24 Your Travel Plus Pack

Your Health and the Health of Others

Before You Leave Home

Medical Declaration – applicable to each insured person

Cancellation – if you need to cancel your trip

1. You must contact the Medical Risk Assessment helpline number if at the date you added the Travel Plus Pack to

your Qualifying Account or when booking a trip (whichever is later), you:

a. have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the

last 12 months

b. are under investigation or awaiting results for any diagnosed or undiagnosed medical condition

c. are on a waiting list for, or aware of the need for, in-patient treatment for any diagnosed or undiagnosed medical

condition

d. have received a terminal prognosis

e. are travelling against the advice of a doctor or purposely travel without medical advice when it was reasonable for

you to have consulted a doctor

f. know of any close relative, close business colleague, travelling companion or person you plan to stay with,

(and upon whose good health your trip depends), who has a serious illness, injury or disease which could affect

your decision to take or continue your trip.

2. If, between booking a trip and the departure date, you are referred to a Consultant/Specialist, or have been

admitted to a hospital, your policy will cover you for cancellation of your trip.

Please note, however, that if you still wish to travel you must call the Medical Risk Assessment helpline immediately

and they will advise you if you will be covered for Emergency Medical Treatment and Associated Expenses or

abandonment claims relating to this condition.

3. If, between booking a trip and the departure date, anyone upon whose good health your trip depends, such as a

close relative or a travelling companion, is referred to a Consultant/Specialist, or is admitted to a hospital, your

policy will cover you for cancellation of your trip.

Please note, however, that if you still wish to travel you must call the Medical Risk Assessment helpline immediately

and they will advise you if you will be covered for abandonment claims relating to this condition.

4. If you, or anyone upon whose good health your trip depends, is referred to a Consultant/Specialist, or is admitted

to a hospital, after you have booked your trip but prior to paying any ﬁnal balance due for your trip, you must call

the Medical Risk Assessment helpline immediately. We will advise you if you will be covered for claims relating to

this condition.

Please note, if you do not do this, it will affect your claim if you have to cancel your trip before the departure date.

If this happens...

I am due to go on holiday in 10 days and my home has been

badly damaged by a ﬂash ﬂood – can I claim for cancellation?

Am I covered?

Yes, you would be able to claim for cancellation of

your trip.

We will pay for costs that each insured person has paid, and cannot get back, or which legally have to be paid for their

own personal travel and accommodation (including excursions and unused kennel, cattery or professional pet sitter fees

up to a maximum of £250) if, after you added the Travel Plus Pack to your Qualifying Account or booked your trip,

(whichever is later), you unavoidably have to cancel your trip for one of the reasons below

1. You are injured, fall ill, are quarantined or die.

One of the following people is seriously injured, falls seriously ill or dies:

a. a close relative

b. a close business colleague

c. the person you were going to stay with.

3. You are called for jury service or as a witness in a court of law during the period of insurance.

4. You are made redundant.

5. You home is badly damaged by explosion, ﬁre, landslide, or severe/adverse weather.

6. You are a member of Armed Forces, Police, Ambulance, Fire or Nursing Service and authorised leave is cancelled

due to a posting overseas or an unexpected work emergency or at the time of your trip.

7. The police need to talk to you because your home or place of work has been burgled

8. You are prevented from leaving your home on the planned departure date due to severe/adverse weather.

9. You are prevented from starting your trip on the planned departure date due to the cancellation of pre booked

transport as a direct result of:

a. strike or industrial action; or

b. severe/adverse weather; or

c. airspace or an airport or port you are scheduled to travel from or through has been closed; or

d. volcanic ash in the atmosphere

and the carrier or handling agent is unable to provide suitable alternative travel arrangements within 24 hours of the

date and time of the scheduled departure as shown on the ticket/itinerary.

10. If one of the following events occurs or prevents you from travelling within 31 days of your scheduled departure

date:

a. an avalanche, earthquake, explosion, ﬁre, ﬂood, landslide, severe/adverse weather renders your pre-booked

accommodation unreachable or uninhabitable.

b. a Foreign and Commonwealth Ofﬁce advisory notice is in place advising against all travel or all but essential

travel to your destination is still in place.

Or you choose not to travel because;

c. your accommodation is directly affected by a food poisoning outbreak, or the area in which you are staying is

affected by a pandemic or epidemic inﬂuenza.

d. a major incident such as a terrorist attack happens within a 50 mile radius of the area in which you will be staying

and you do not wish to travel.

You will also be covered if a cancellation is unavoidable because your travelling companion is unable to travel due to

one of the reasons listed above.

Special conditions

All claims resulting from injury, illness, quarantine or death must be supported by medical reports obtained at the

time or a death certiﬁcate (or both) indicating the necessity to cancel the trip.

2. All claims must be supported by documentary evidence that you have been unable to obtain a refund from the

travel and/or accommodation provider.

3. You must provide written conﬁrmation from the carrier or handling agent of the actual date and time of the

planned departure and reason for the cancellation and that they were unable to offer suitable alternative travel

arrangements within 24 hours of the date and time of the scheduled departure as shown on the ticket/itinerary.

4. You must provide written conﬁrmation from the accommodation provider and/or the local or national authorities

that the pre-booked accommodation was unreachable or uninhabitable and the reason for this, and that they were

unable to offer suitable alternative accommodation of a similar standard.

5. Where you have been prevented from leaving home due to severe/adverse weather you must provide evidence

that travel was not possible, such as local police, press or trafﬁc reports.

The most we will pay for each insured person is:

The most we will pay for each insured person is £5,000.

Excess

We will not pay the ﬁrst £50 of each insured person’s claim. However, if two or more insured persons cancel the same

trip, the maximum excess under this section will be £100. In the event of a claim for loss of deposit only, we will not pay

the ﬁrst £20 of each insured person’s claim.

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Your Travel Plus Pack 25

Your Health and the Health of Others

Before You Leave Home

Medical Declaration – applicable to each insured person

Cancellation – if you need to cancel your trip

1. You must contact the Medical Risk Assessment helpline number if at the date you added the Travel Plus Pack to

your Qualifying Account or when booking a trip (whichever is later), you:

a. have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the

last 12 months

b. are under investigation or awaiting results for any diagnosed or undiagnosed medical condition

c. are on a waiting list for, or aware of the need for, in-patient treatment for any diagnosed or undiagnosed medical

condition

d. have received a terminal prognosis

e. are travelling against the advice of a doctor or purposely travel without medical advice when it was reasonable for

you to have consulted a doctor

f. know of any close relative, close business colleague, travelling companion or person you plan to stay with,

(and upon whose good health your trip depends), who has a serious illness, injury or disease which could affect

your decision to take or continue your trip.

2. If, between booking a trip and the departure date, you are referred to a Consultant/Specialist, or have been

admitted to a hospital, your policy will cover you for cancellation of your trip.

Please note, however, that if you still wish to travel you must call the Medical Risk Assessment helpline immediately

and they will advise you if you will be covered for Emergency Medical Treatment and Associated Expenses or

abandonment claims relating to this condition.

3. If, between booking a trip and the departure date, anyone upon whose good health your trip depends, such as a

close relative or a travelling companion, is referred to a Consultant/Specialist, or is admitted to a hospital,

your

policy will cover you for cancellation of your trip.

Please note, however, that if you still wish to travel you must call the Medical Risk Assessment helpline immediately

and they will advise you if you will be covered for abandonment claims relating to this condition.

4. If you, or anyone upon whose good health your trip depends, is referred to a Consultant/Specialist, or is admitted

to a hospital, after you have booked your trip but prior to paying any ﬁnal balance due for your trip, you must call

the Medical Risk Assessment helpline immediately. We will advise you if you will be covered for claims relating to

this condition.

Please note, if you do not do this, it will affect your claim if you have to cancel your trip before the departure date.

If this happens...

I am due to go on holiday in 10 days and my home has

been badly damaged by a ﬂash ﬂood – can I claim for

cancellation?

Am I covered?

Yes, you would be able to claim for cancellation of

your

trip.