CANNON INSURANCE LIMITED - TRAVEL PROTECT

Terms & Conditions

I. Travel Insurance Policy Terms & Conditions

a. GENERAL DEFINITIONS

For the purposes of this Policy, these terms shall be understood as follows:

ACCIDENT
The bodily injury sustained during the life of the contract, which derives from a violent, sudden, external cause and one that is not intended by the Insured. The following will also be construed to be accidents:

Asphyxia or injuries as a consequence of gases or vapours, immersion or submersion, or from the consumption of liquid or solid matter other than foodstuffs.
Infections resulting from an accident covered by the policy.
Injuries that are a consequence of surgical operations or medical treatments resulting from an accident covered by the policy.
The injuries sustained as a result of self-defense.
Save express agreement to the contrary, for the purposes of this policy, an "accident" shall not be deemed to include heart attacks and other similar cardiovascular or cerebrovascular episodes.

ACCOMPANYING INSURED
Natural person accompanying the Insured and who is also insured for the same trip by the Company, either through the same policy, or through a different one.

BENEFICIARY
Person or persons considered by the Policyholder or, where applicable, the Insured, to be entitled to receive any assistance duly covered or, where applicable, the amount corresponding to any indemnity provided for under the terms of the contracted policy.

CLAIM
Any event whose consequences are totally or partially covered by the guarantees of this policy. The collection of damages arising out of one event constitutes one loss/accident.

CLOSE RELATIVES
Close relatives refers only to spouses, common-law partners, children, parents, grandparents, siblings and parents, sons, daughters, brothers and sisters-in-law of the Insured, save specific provisions of each Cover or Guarantee. In addition to this, the Insured’s legal guardians shall be included in this definition.

COLLECTIVE POLICY
Document whereby the Policyholder, normally a legal person, takes out coverage for certain specific Insured and/or Beneficiaries, who are normally clients or employees of the Policyholder. The Policyholder contracts coverage with the Insurer, with its stated limitations and exclusions, for the risks that the Policyholder wishes the Insurer to protect to the declared Insured parties and/or Beneficiaries. The Policyholder assumes responsibility for informing the Insured and/or Beneficiaries of the cover, limitations and/or exclusions of the policy thus contracted.

DANGEROUS SPORTS

Participation in the following activities will not be covered under any circumstances by this Policy unless the additional extension has been contracted: fighting or self-defense sports, professional or semi-professional sports activities, races of any kind other than on foot, mountain expeditions, deep sea diving (depth greater than 40 meters), sailing at sea in Solitary and / or out of territorial waters, ski jumping, free climbing and no ropes, motor sports, use of firearms or otherwise, and any other sport involving an exceptional risk of accidents.
Participation in the following activities could be covered if the corresponding additional premium is paid: abseiling, mountain biking off-road, ice hockey, canyoning, skydiving, bobsleigh, aviation other than as a passenger with a regular flight ticket, non-motorized flight, hang gliding, Flying in ultralight, rodelen, downhill skiing and Langlaufen on open public roads normally signposted, snowboarding, \'big foot\' skiing, mono skiing and any sport that poses an additional risk of accident. American football, rugby, bungee jumping, speleology, horse riding, trekking above 2,500 meters, mountaineering with the use of ropes, rock climbing with ropes, diving (up to a depth of 40 meters), rafting , Water skiing, off-piste skiing and off-piste snowboarding (always accompanied by a guide or instructor)
Participation in competitions or tournaments organized by sports federations or similar organizations is not included in the coverage of this policy

GEOGRAPHICAL SCOPE
Geographical area over which the trip stipulated in the contract takes place and in which any incidents which occur shall be duly covered. This shall be duly stated in the Specific or Special Conditions of the policy.

ILLNESS
Any change in health diagnosed and confirmed by a legally recognised doctor during the life of the policy

INSURED
The natural person identified in the Specific Conditions of the Policy, and who is entitled, where fitting, to the rights derived from the contract.

INSURED AMOUNT
The amount set forth in the Specific Conditions of the policy and which represents the maximum value of the compensation for each cover section.

INSURER OR COMPANY
CANNON INSURANCE LIMITED referred as \'Company\' throughout these General Conditions who assumes the coverage of the risks that are the object of the contract according to the conditions of the policy.

LIMIT
The amount set forth in the Specific Conditions of the policy, and which represents the maximum benefit (financial, temporary or another kind) covered under each guarantee.

ORTHOPAEDIC MATERIAL OR ORTHESIS
Anatomical parts or items of any kind used to prevent or correct temporary or permanent deformations of the body (for example walking sticks, cervical collar and wheelchair).

OSTEOSYNTHESIS MATERIAL
Parts or pieces of metal or of any other kind used to join together the ends of a fractured bone, or to knit together the tips of joints, by surgical operation and which can be reused.

POLICY
Document containing the conditions governing the Insurance. The General Conditions, the Specific Conditions which distinguish the risk and the Special Conditions, if any, as well as the Endorsements or Appendices issued thereto to supplement or amend it form an integral part of the Policy.

POLICYHOLDER
The natural or legal person who, in conjunction with the Insurer, subscribes the contract and is bound by the obligations arising therefore, save those which, owing to their nature, must be complied with by the Insured and or Beneficiary.

PREMIUM
The price of the insurance that the Policyholder must pay the Company to cover the risks provided in this Policy, the premium invoice will also include commissions, charges and the legally applicable taxes.The price of the insurance that the Policyholder must pay the Company to cover the risks provided in this Policy, the premium invoice will also include commissions, charges and the legally applicable taxes.

PREXISTING ILLNESS
“Pre-existing illness” is that ailment, injury or congenital and / or physical and / or mental defect that has been diagnosed or that was known by the Policyholder or the Insured prior to the start date of the trip covered by this policy.

PROSTHESIS
Any element of whatever nature that replaces – temporarily or permanently – some organ, tissue, organic fluid, limb or part of any of the foregoing. Including but not limited to: mechanical or biological elements such as cardiac valve replacements, joint replacements, synthetic skin, intraocular lenses, spectacles, biological materials (cornea), synthetic or semi-synthetic fluids, gels and liquids to replace organic humours or liquids, reservoirs for medicine administration, mobile oxygenotherapy systems, etc., except for crutches prescribed as a consequence of a skiing accident, in those policies where this guaranteed benefit is contracted.

REGULAR SPORTS
Participation in the following activities is always covered without paying additional premium: athletics, go-carting, ballooning (as an organised excursion), trekking up to 2,500 meters, ice-skating, cross country running, soccer, surfing, windsurfing, golf, mountain biking on the road, baseball, fencing, sailing, cricket, cycling, canoeing, rowing, basketball, volleyball, jogging and any other sport activities not involving an extra risk. Participation in competitions or tournaments organised by sporting federations or similar organizations is not included.

RESCUE
Those actions that must be carried out to release the Insured from an emergency situation in which he or she is in due to an accident.

ROBBERY
Seizing someone else\'s property by employing force to enter the premises where it is located, or violence or intimidation against individuals.

SERIOUS ACCIDENT
An accident which, in the opinion of the Company’s medical team, prevents the Insured from starting the trip or continuing it on the date planned, or which involves risk of death.

SERIOUS ILLNESS
An alteration in health that requires admission to hospital and which, in the opinion of the Insurer’s medical team, prevents the Insured for travelling or from continuing travelling on the date planned, or which involves risk of death.

THEFT
Seizing someone else\'s property without employing force to enter the premises where it is located, nor violence or intimidation against individuals.

THIRD PARTIES
Any natural or legal person, other than the Policyholder, Insured, Beneficiary or person responsible for the loss.

USUAL PLACE OF RESIDENCE
The place where the Insured is officially resident, which, save express indication in the Specific Policy Conditions, shall be in the country where the policy is issued, and to where the emergency repatriations and returns covers in this policy will be made.

b. OBJECT AND SCOPE

By virtue of this contract, the Company guarantees to provide the Insured with immediate material help in the form of some service provision or, where appropriate, the financial benefit that is required as a result of some unforeseen event occurring during the course of a trip for which this policy was taken out. The benefits guaranteed under the policy shall be provided, in every case, according to the terms and conditions set forth in the policy and in keeping with the specific guarantees that have actually been contracted. The guarantees shall cease once the journey covered by the policy has terminated or up to the maximum number of days set forth in the eligibility criteria table have already passed. Under some sections of your policy, the Insured will have to pay an excess. This means that the Insured will be responsible for paying the first part of the claim for each insured person, for each section, for each claim incident. The amount the Insured has to pay is the excess.

c. COVERS

B0000 PERSONAL ASSISTANCE

B0340 RELAY OF URGENT MESSAGES
The Company will take care of relaying the urgent messages of the insured, relating to any of the events covered in the policy.

B0440 DISPATCH OF MEDICATION
The Company will take charge of delivering the medicines prescribed urgently by a doctor for the Insured during the trip and which cannot be found in the place where he/she had travelled to or be replaced by medicines that have a similar composition. Under no circumstances will the Company assume the cost of the medicines.

B0490 GENERAL INFORMATION
The Company shall respond to any consultations, doubts or problems that the Insured may wish to pose over the telephone on:

Recommendations of Foreign Affairs Ministry.
Information on embassies/consulates/visas.
Currencies, vaccinations and hygiene/health recommendations.
Telephones/prefixes/time zones.
Weather.

B0450 REPLACEMENT STAFF
In the case of a trip for professional reasons during which the Insured suffers an accident or some illness that requires hospitalization for more than 5 days or repatriation, the Company shall pay for the return journey to the destination of another person designated by the Policyholder to substitute the repatriated Insured party. In no case shall the Company satisfy wages, salaries, allowances, board or lodgings of the person who replaces the repatriated Insured party.

B3180 HIJACK
The Company will pay up to the limit established in the Specific or Special Conditions for each full 24-hour period if the aircraft or ship the Insured is travelling in is hijacked (on the original journey you booked) for more than 24 hours.
The insured must provide the Company with a written statement from an appropriate authority confirming the hijack and how long it lasted.

Specific Exclusions (Personal Assistance): In addition to the General Exclusions, this cover shall not be provided for cases and their consequences as per policy limitations. No specific additional exclusions listed.

B0010 MEDICAL TRANSPORTATION AND REPATRIATION

B0090 MEDICAL TRANSPORTATION OR REPATRIATION
In the event of the Insured suffering an accident or illness while travelling outside their usual place of residence, the Company will bear the costs, whenever necessary, of transferring or repatriating the Insured to a suitably equipped medical centre or to their usual place of residence. The Company's medical team shall decide to which medical centre they should be transferred or whether repatriation is necessary. Any necessary costs incurred from the rescue are not included in this cover.

B0130 TRANSPORT OF A PERSON DUE TO THE HOSPITALISATION OF THE INSURED
In the event that the Insured should be admitted to hospital for more than five days as a result of an accident or illness covered in the policy, the Company shall meet the transportation expenses (economy return) for a companion designated by the Insured, from their usual place of residence to the Insured\'s hospitalisation place, up to the limit established in the Specific or Special Conditions.

B0140 STAY OF A PERSON DUE TO THE HOSPITALISATION OF THE INSURED
In the event that the Insured should be admitted to hospital for more than five days as a result of an accident or illness covered in the policy, the Company shall meet the accommodation expenses for a companion designated by the Insured to stay in the place where she/he has been hospitalised, up to the limit established in the Specific or Special Conditions.
This guarantee does not include the maintenance expenses of the person transferred.

B0190 TRANSPORTATION OR REPATRIATION OF THE ACCOMPANYING INSUREDS
When the illness or accident suffered by the Insured prevents continuation of the trip, the Company shall take charge of the transfer of accompanying persons who contracted the journey together with the Insured (up to a max of 6) to the place where the former is hospitalised and/or to their usual place of residence, up to limit.

Specific exclusions: none additional beyond general exclusions.

B0030 MEDICAL EXPENSES

Specific definitions: EPIMEDIC ILLNESS (infectious disease spreading in a specific region affecting many people), PANDEMIC ILLNESS (worldwide spread), FOLLOW UP TREATMENT (outpatient medical expenses in usual residence).

B0030 MEDICAL EXPENSES ABROAD
If the Insured falls ill or has an accident while travelling outside their usual place of residence, the Company shall meet hospitalisation expenses, surgical operations, medical and nursing fees, pharmaceutical products prescribed, until sufficiently stabilised, up to the limit. Emergency dental treatment of natural teeth for immediate relief of pain is also covered up to limit (crowns, bridges excluded).

B0035 FIRST MEDICAL ASSISTANCE ABROAD
Company will assume initial cost of Emergency Medical, Surgical and Hospital treatment and ambulance cost up to limit. If the cause is pre-existing, the Company will not be responsible for additional expenses.

B0060 DENTAL EXPENSES
Emergency dental treatment of Insured's natural teeth for relief of pain (not caused by prior deteriorated state) up to limit. Crowned teeth, bridges, dentures excluded.

B0070 PHARMACEUTICAL EXPENSES
If Insured falls ill or has accident within habitual country, Company meets cost of pharmaceutical products prescribed by doctor until stabilised, up to limit.

Specific Exclusions (Medical Expenses):

Services required for treating pre-existing illnesses (exclusion does not apply to repatriation of deceased Insured).
Illnesses caused by voluntary consumption of alcohol, drugs, toxic substances, narcotics or medicines without prescription.
Events related to rejection/deferral of transfer proposed by Company's medical team attributable to Insured or companions.
Rehabilitation treatments, periodical/preventive medical examinations.
Prostheses, orthopaedic, orthotic or osteosynthesis material events.
Trip undertaken for medical treatment or due to terminal illness diagnosis.
Any costs that are a result of an Epidemic or Pandemic disease.

B0270 REPATRIATION OF MORTAL REMAINS

B0270 TRANSPORT OR REPATRIATION OF THE DECEASED INSURED
In the event of the Insured's death, the Company shall make necessary arrangements for transfer or repatriation of mortal remains and shall assume transportation expenses to place of interment, cremation or funeral ceremony in their usual residence. This cover does not include payment of interment, cremation or funeral ceremony expenses.

B0290 BURIAL EXPENSES
In the event of death, the Company will pay the Insured's legal representative the expenses derived from interment or cremation in the place where death occurred. In case of transportation/repatriation, payment of interment/cremation/funeral ceremony expenses is excluded.

C0000 LUGGAGE

BAGAGGE Personal belongings carried during trip or entrusted to carrier. BAGGAGE DAMAGE: only breakage of external parts rendering it unusable (scratches, internal damage excluded). BAGGAGE LOSS: total loss 21 days after arrival. VALUABLE OBJECTS: jewelry, watches, precious metal objects, furs, art, mobile phones, cameras, computer equipment, rifles etc.

C0030 INDEMNITY DUE TO PROBLEMS WITH CHECKED-IN LUGGAGE
Company informs Insured of rights and complements indemnity from airline up to limit for definitive loss or external damage. Required: Property Irregularity Report (PIR), final settlement letter, list of contents. For theft: PIR or police complaint.

C0040 COMPENSATION FOR BAGGAGE DELAY
If checked-in luggage delayed >6 hours, Company indemnifies purchase of basic necessity items up to limit (not covered if delay occurs within province/state of usual residence). Original invoices required.

Specific Exclusions (Luggage):

Merchandise, professional material (unless Business cover contracted), travel tickets, securities, identity documents, credit cards, money, jewellery, electronic media contents, magnetic strip documents.
Claim where Insured Vehicle is stolen/driven without consent unless forcible entry.
Vehicle left unattended without security devices activated, or removable ignition device left in/on vehicle.
Total loss while vehicle in control of non-permitted driver (except fire/theft).
VAT if Insured is VAT registered.
Claim if driver intoxicated by alcohol / non-prescribed drugs / advised not to drive.

D0000 CANCELLATION

D0010 REIMBURSEMENT OF THE CANCELLATION EXPENSES OF THE TRIP
Valid from policy inception until boarding public transportation. Covers incidents after taking insurance and before journey start. Company reimburses cancellation costs charged by provider due to:

Serious illness, injury or death of Insured/relatives; receiving custody of adopted child.
Official body call.
Work-related: new job contract while unemployed, obligatory transfer >3 months, professional dismissal, justified change in holiday leave, training grant coinciding with travel dates.
Extraordinary: serious damage to residence/business premises, declaration of disaster area.
Breakdown/accident of private vehicle within 48h prior (vehicle less than 4 years for breakdown); missed transport due to breakdown/accident; theft of documentation/luggage up to 24h prior.
Cancellation by accompanying insured under same causes.

Documents required: certificate of accident (doctor's report, death certificate, police report), hired services receipt/payment, cancellation conditions, invoice of cancellation costs.