American Express Travel Insurance Review

Children are classed as aged under 18 years old and either living with you or in full time education, or under 21 years old and in full time education.

On first date of cover:-

79 or under for Single Trip

65 or under for Annual Multi Trip

Trip Duration on Single Trip Policies is 93 Days.  Annual Trip Duration varies depending on the policy purchased:-

•  Bronze cover allows trips of up to 32 days, to a maximum of 120 days in each period of insurance.
•  Silver cover allows trips of up to 32 days, to a maximum of 150 days in each period of insurance.
•  Gold cover allows trips of up to 45 days, to a maximum of 183 days in each period of insurance.

You will be covered for the defined winter sports activities on trips up to an overall maximum of:
• under Bronze and Silver Cover no more than 18 days in total per trip each period of insurance,
and
• under Gold Cover no more than 21 days in total per trip each period of insurance.

Winter Sports cover is not available to anyone aged 66 years or over.

Group - not offered

Family means, you - the main policy holder, your spouse or partner (with whom you are and have been living with for the past six months) and your or their children who on the first day of the period of insurance are under 18 years old and either living with you or in full time education, or under 21 years old and in full time education.

EHIC not Mandatory but recommended if traveling to the EU. If you are travelling to Australia or New Zealand you should enrol with Medicare if seeking treatment.

There are over 30 activities covered as standard in Group A on this policy, with additional activities split into Groups B and C that can be purchased at additional premium,  personal accident and legal liability are excluded.   There is also a list of excluded activities.

It is important that you check the list of activities excluded, before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

Policy states “Any claim resulting from you attempting or committing suicide; deliberately injuring yourself; using any drug not prescribed by a registered medical practitioner, being addicted to any drugs, or abusing solvents, drugs, or alcohol, or being under the influence of drugs, solvents, or alcohol.”

Not Covered under this policy.

If you have a pre-existing medical condition you must make a medical health declaration before each period of insurance and on each annual renewal. In addition, if there are any changes in your health or prescribed medication you must notify us and update your medical health declaration prior to booking any trip or departing on any trip. All changes must be declared to us and accepted in writing before cover can continue.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit. Our latest guide on taking medicines abroad has some useful hints and tips

You are excluded from any claim for Emergency Medical  Repatriation (if included on your policy)- arising from pregnancy related conditions not due to complications of pregnancy which first arise after departing on your trip.

In other words, if a pregnancy related condition was apparent before you left for your holiday, you would not be covered.  However, if a condition arose after you had travelled you would be covered for Emergency Medical and Repatriation (if included on your policy).

Manual Labour is excluded under this policy.  This is defined as:-Any work above ground level; work using cutting tools, power tools and machinery; work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant; undertaking work of a plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind, with the exception of bar and restaurant work, wait staff, chalet, maid, au pair and child care, and occasional light manual work at ground level including retail work and fruit picking.

If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

The Insured Person shall produce an original receipt, proof of ownership or insurance valuation (obtained prior to the loss) of the items lost, stolen or damaged.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

This insurance will not cover you for any claim arising from war; invasion; act of a foreign enemy; hostilities (whether war be declared or not); civil war; rebellion; terrorism; revolution; insurrection; civil commotion assuming the proportions of or amounting to an uprising; military or usurped power; you taking part in civil commotion or riot of any kind but this exclusion shall not apply to losses under Section 2 ? Medical Emergency & Repatriation Service unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.

Not covered under this policy.

You must be a permanent resident of, and registered with a General Practitioner in, the United Kingdom.