Your mother (in-law), father (in-law), step parent (in-law), sister (in-law), brother (in-law), wife, husband, fiancé, partner, son (in-law),daughter (in-law), step child, foster child, grandparent or grandchild, uncle, aunt, step brother, step sister.

Accident An unexpected event caused by something external and visible, which results in physical bodily injury, leading to total and permanent loss of sight, total and permanent loss of use of a limb or permanent disablement or death, within a year of the incident.

Worldwode including - United Sates of America, Canada and the Caribbean Worldwide excluding - United States of America, Canada, and the Caribbean Schengen countries  - Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France,Germany, Greece, Hungary, Iceland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portu [..]

Any person in your home country that you work closely with, whose absence from work means that the director of your business needs you to cancel or curtail your journey.

The document issued by the insurer that is used to verify the existence of your travel insurance.

The airport where your journey from your home country to your destination begins and where the final part of your journey back to your home country begins.

A legally qualified doctor holding the necessary certification in the country in which they are currently practising, other than you or a close relative.

Medical condition resulting from sickness or accident and requiring emergency hospital admission, and for which delay in treatment beyond the next official working day could reasonably be expected to result in significant and permanent impairment to the life, health, bodily functions and or organ of the person insured.

The deduction we will make from the amount otherwise payable under this policy for each insured person, for each section, for each claim incident.

Two adults aged 65 and under and up to 8 of their children (including step children and foster children) aged 16 and under (21 and under if they are in full time education) when the appropriate premium has been paid. All persons must live at the same address and be travelling together. All ages referred to are at the date of travel. For annual mult [..]