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Travel Insurance Help & FAQs |
About this Web Site
Viewing Your Policy Documents
Cookies - how to enable
About the Insurance
Business
Destination
Excess Waiver
Golf Cover
Medical Conditions
Special Sports and Activities
Start Date
Travel Party
Trip Type
Wedding Cover
Winter Sports Cover |
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Special Sports and Activities
This policy specifically excludes participating in or practising for certain sports & activities. Sports and activities are either included free of charge, included at additional charge or excluded altogether. Sports & activities cover can only be added before departure from Your Home Country. Please select the relevant activities during the quotation process.
This Policy will provide cover free of charge when engaging in the following sports and activities on an occasional, non-competitive and non-professional basis during the trip:
Athletics
Badminton
Baseball
Basketball
BMX
Cycling
Bowls
Cricket
Cross Country Running
Curling
Cycling
Fell Running
Golf
Heptathlon
Hiking (under 2,000 metres altitude)
Jogging
Netball
Orienteering
Rambling
Roller Blading (Line Skating / Skate boarding)
Rounders
Running, Sprint / Long Distance
Safari (organised, no guns)
Scuba Diving (max depth 30 metres - qualified)
Skateboarding
Snorkelling
Squash
Tennis
Trekking (under 2,000 metres altitude)
Triathlon
Volleyball
Water Polo
Windsurfing
Yachting (crewing) - inside territorial waters
The following sports and activities will also be covered free of charge but no cover will apply in respect of any Personal Accident or Personal Liability claims:
Archery
Boxing Training (no contact)
Camel/Elephant Riding/Trekking
Canoeing/Kayaking (inland/coastal)
Field Hockey
Fishing (Fresh water and deep sea)
Flying as a passenger (private/small aircraft)
Football
Gaelic Football (non competitive)
Go Karting ( recreational use)
Hiking (over 2,000 but under 6,000 metres altitude)
Horse Riding (no Polo, Hunting, Jumping)
Parascending (over water)
Roller hockey/Street hockey
Trekking (over 2,000 but under 6,000 metres altitude)
White/Black Water Rafting (Grade 1 to 4)
The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims:
Abseiling
Animal Conservation/Game Reserve work
Canoeing/Kayaking (white water)
Clay pigeon shooting
Cross Channel swimming
Dry skiing
Fencing
Gymnastics
Handball
High Diving
Hot Air Ballooning
Jet Boating
Jet Skiing
Kite surfing/landboarding/Buggying
Lacrosse
Marathons
Martial Arts (Training only)
Motorcycling (under 50cc - no racing)
Mountain Biking
Mountain Boarding
Paintballing
Rowing (inland/coastal)
Sailboarding/Sandboarding
Scuba Diving (max depth 30 metres unqualified)
Scuba Diving (max depth 40 metres qualified)
Surfing
Wake Boarding
War Games (non-armed forces)
Water Skiing
Weight Lifting
Zorbing/Hydroboarding
The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims, and the policy excess will be increased to £250 (€350) under the Medical Emergency & Repatriation Section of the policy:
American Football
Bungee Jump (up to 3)
Gliding
Hang Gliding
Motorcycling (over 50cc - no racing)
Parachuting
Parapenting
Parascending (over land)
Rugby
Sand Yachting
Sky Diving
White/Black Water Rafting (Grade 5 to 6)
Yachting (crewing) - outside territorial waters
This policy will not provide cover for any claims arising directly or indirectly from engaging in or practising the following sports & activities:
Boxing
Canyoning
Caving, Cave Diving
Flying as a pilot
Horse Jumping
Horse Racing
Hunting / Shooting
Hunting-on-horseback
Hurling
Martial Arts (Competition)
Microlighting
Motor Racing (all types)
Mountaineering
Parasailing
Point to Point
Polo
Potholing
Professional Sports
Quad Biking
Rock Climbing
Rock Scrambling
Shark feeding/cage diving
Steeplechasing
Team Sports played in competitive contests
Wrestling
Yachting (racing) |
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Business Cover
The Business Cover option insures your business equipment, computer equipment, samples, money, cash and additional business related eventualities.
Full cover limits are shown in the summary of cover. |
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Destination
UK
Great Britain, Northern Ireland and the Republic of Ireland for residents of the Republic of Ireland. Please note that due to recent legislative changes to the reciprocal health agreements with mainland U.K., the Isle of Man and Channel Islands are now considered separate countries outside of the UK and must be rated as ‘Europe’ for the purpose of this insurance. UK trips must be pre-booked for a minimum of 3 consecutive night’s accommodation.
Europe
Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Isle of Man, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, Ukraine, UK Area and Vatican City.
Worldwide Excluding USA/Canada/Caribbean
All countries Worldwide, excluding the United States, Canada, Bermuda and the Caribbean.
Worldwide Including USA/Canada/Caribbean
All countries Worldwide. |
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Excess Waiver
The Policy Excess is reduced to nil when you select the Excess Waiver option. If you select this option, the premium displayed will include the price for Excess Waiver.
An additional Policy Excess applies to the following covers and this will still apply, even if you select Excess Waiver:
Medical Emergency & Repatriation
- In the event of an injury occurring as a result of voluntary Manual Work the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
- When you are engaging in certain Special Sports and Activities (as shown under the Optional Special Sports and Activities Section of this policy) the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
Emergency Dental Treatment
- When you are engaging in certain Special Sports and Activities (as shown under the Optional Special Sports and Activities Section of this policy) the policy excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
To select Excess Waiver, simply click the Excess Waiver Box. |
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Golf Cover
The golf cover extension insures your golf equipment and provides for golf equipment hire in the event of loss or damage to your own clubs. Please note that golf equipment is not covered whilst in use.
Golf equipment over three years old is not covered. Full details of the golf cover extension are in the summary of cover. |
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Medical Conditions
If you have a pre-existing medical condition, you can still buy insurance with Planet Earth.
Please note the following guidelines:
- Buy your Planet Earth policy as normal, at the premium displayed on your screen
- Phone the Medical Screening Helpline on 0844 338 5843 to apply to extend your cover for the pre-existing medical condition
- If you buy the insurance and do not phone the Medical Screening Helpline, pre-existing medical conditions will NOT be covered under the policy. For instance, if you have a pre-existing heart condition and suffer a heart attack on holiday, then any resulting claim will not be covered.
- The Medical Screening Helpline will consider the medical condition and decide whether or not to offer cover for that condition. If they do offer cover, they will give you a premium quotation and you can decide whether or not to buy the extended cover.
- You do not have to phone the Medical Screening Helpline or buy the extended cover. The Planet Earth policy will still be valid if you do not. However, any claims resulting from the pre-existing medical condition will not be covered unless the extended cover is bought.
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When should I start the insurance?
For single trip insurance, the start date should be the day you leave home to start your outward journey.
For Annual Multi-Trip insurance, the start date should be the first day you want cover to start. Bear in mind that if you have already booked a trip, you will need the insurance to start straight away so that you have the benefit of cancellation cover.
When does the insurance end?
For single trip insurance, the end date should be the day you arrive home. Remember that this will be UK local time.
For Annual Multi-Trip insurance, cover expires on Midnight 12 months after the policy start date. |
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Travel Insurance Start Date
Choosing the right travel party type can save you money. There are discounts for couples, families and groups of people travelling together.
Single Person
Single person cover is for individuals travelling on their own.
Couple
A couple is any 2 people over the age of 18 years who live together in a domestic relationship at the same address whether married or cohabiting (as if husband and wife) regardless of gender. Couples may travel independently of one another.
Family
- A maximum of 4 dependents under the age of 18 at the date the insurance commences, travelling with their parents or legal guardian.
- Infants: Free under the age of 2 years at the date the period of insurance commences but must be accompanied by an insured adult named on the same policy.
Single Parent Family
Maximum of 4 dependents under the age of 18 years at the date the insurance commences, travelling with a parent or legal guardian.
Other
For two or more people travelling together who do not fall into the family categories above.
Dependant children do not need to live with you to be covered under our family insurance, but they must be dependent on a parent or legal guardian.
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Trip Type
Single Trip Travel Insurance
Single trip travel insurance covers you for a single trip during the dates that you specify.
Make sure that you include the day you leave home to start your outward journey and the day you travel back. Cancellation cover will start as soon as you buy your insurance, regardless of the day you leave for your trip.
Annual Multi-Trip Travel Insurance
Annual multi-trip travel insurance covers you for any number of trips during a twelve month period provided the number of days spent abroad does not exceed 183 days.
Make sure you check the maximum duration of any one trip. The standard product provides cover for any number of trips up to a maximum individual trip duration of 31 days. We also offer Annual Multi-Trip policies with individual trip durations of 45, 62 and 91 days. Please select the appropriate product from the drop down.
We recommend that you purchase your annual multi-trip insurance as soon as you have booked your trip to ensure that you have the benefit of holiday cancellation cover.
Note: If You travel for more than the number of days for which You have paid for cover, You will not be covered after the last day for which You have paid |
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Wedding Cover
Wedding cover insures your wedding rings, gifts, attire, photos and videos. Please note that this extension can only be sold to a couple in conjunction with the main policy.
Full details of this insurance are shown in the summary of cover. |
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Winter Sports
This policy specifically excludes participating in or practising for certain winter sports & activities. The policy can be extended to cover some of these activities by paying the additional Winter Sports premium. The policy extensions can only be added before departure from Your Home Country. Please select the relevant activities during the quotation process.
The policy can be extended to cover the following activities by paying an additional premium:
Ice Skating (outdoor)
Skiing (on piste /glacier)
Skiing (off-piste in designated areas only)
Snowboarding (on-piste)
Snowboarding (off-piste in designated areas only)
Tobogganing
The policy can be extended to cover the following activities by paying an additional premium but no cover will apply in respect of any Personal Accident or Personal Liability claims:
Skidoo
Snow Mobiling
This policy will not provide cover for any claims arising directly or indirectly from engaging in or practising the following winter sports & activities:
Bobsleigh
Heli-skiing
Ice Hockey
Luge
Paraskiing
Ski Jumping
Ski Racing
Ski Stunting
Skeleton
Annual Multi-Trip Insurance
Winter Sports cover is included with our Annual Multi-Trip Insurance for travellers up to the age of 65. This covers one trip of up to 17 consecutive days during the period of insurance.
Single Trip Insurance
Winter Sports cover is available for an additional premium. Cover is provided for the duration of your trip. |
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Viewing Your Policy Documents
Some documents on this system use the Adobe Acrobat PDF format. You need Acrobat Reader to view these documents.
Click here to download PDF reader. It is free.
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Enabling
Cookies
Cookies must be enabled
for the Planet Earth System to function correctly. If you are
encountering problems then it is very likely that Cookies are
not enabled in your browser.
To enable cookies on Internet Explorer 5 and 5.5 (For
6+ click here)
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1. Select Internet Options from the Tools
dropdown menu on the main menu bar of your browser. |
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2. Click on the Security tab and then click
on Custom Level |
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3. Make sure that the boxes are checked as
per the screen shot opposite.
4. Click on OK and return to the main browser window.
5. Cookies are now enabled |
| To enable Cookies
on Internet Explorer 6.0+ |
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1. Follow step 1 as per Internet Explorer
5 & 5.5 above then...
2. Select the Privacy Tab from the menu displayed and make sure
the slider is set to Medium.
3. Click on the Advanced button and make sure that 'Overide automatic
Cookie handling' is not checked (see screen shot below)
4. Cookies are now enabled |
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