WHAT’S COVERED
Staycationplan holiday insurance has been specially designed for holidays/’Staycations’ in the UK. Staycationplan offers you all the things you’d expect from a great travel insurance policy as well as a number of key benefits designed specifically to take care of you on your holiday/’Staycations’ in the UK.
Coronavirus – COVID-19
Staycationplan provides cover if you or a member of your party travelling with you have to cancel due to having been taken ill with COVID-19.
- You’re covered for cancelling or cutting your trip short if you fall ill with COVID-19 provided you did not know you had the illness or were not in the process of being tested at the time of booking your trip. You will need supporting documentation such as correspondence and medical records from your doctor or medical practitioner.
- Where eligible, you will be covered for your non-refundable costs providing that you haven’t been able to change your booking or get compensation from your tour operator, accommodation provider, airline, travel agent or other provider.
- You’re covered for Emergency Medical Expenses if you fall ill with COVID-19 whilst on your trip. This includes cover for any reasonable accommodation and/or travelling expenses as well as the cost of any necessary repatriation expenses to the UK.
- This cover is not provided, however, where you have travelled against the advice of the Foreign, Commonwealth and Development Office (FCDO), government or local authority or against medical advice.
What am I not covered for?
You won’t be covered if you have to cancel or cut your trip short as a result of any travel restrictions such as a national or local lockdown or if the FCDO, government or local authority is advising against all (but essential) travel due to COVID-19 or any other epidemic or pandemic.
- You also won’t be covered where you need to claim for cancelling or cutting your trip short as a result of any need to self-isolate or quarantine.
- Any claims as a result of your airline or travel provider becoming insolvent or having an administrator appointed and being unable to provide agreed services are not covered.
- We won’t cover you if you change your mind and decide you do not want to travel.
- You won’t be covered for any costs for COVID-19 tests prior to travelling.
Summary of Cover, Limits and Excesses
The table below provides a summary of cover offered by Staycationplan. Full terms & conditions and excesses are shown in the Insurance Policy.
| Summary of Cover | Limit per person (up to) (unless otherwise shown) | Excess per person (unless otherwise shown) |
|---|---|---|
| 1. Loss of deposit, Cancellation or Curtailment | Cost of the holiday (max. £6,000) per party | £40 (£15 loss of deposit per party) |
| 2. Medical repatriation/transportation of deceased | £25,000 | £40 |
| Emergency accommodation | £500 | Nil |
| Visit by close relative | £500 | Nil |
| Hospital inconvenience benefit | £25 per 24hrs / £500 total | Nil |
| Repatriation of vehicle/personal possession | £1,000 | Nil |
| Additional assistance | £500 | Nil |
| 3. Accidental death & disability benefit | £15,000* | Nil |
| 4. Personal liability | £2,000,000 | Nil (£100 damage to accommodation per party) |
| 5. Personal possessions | £1,500 | £40 |
| Personal Money | £250 | £40 |
| 6. Travel disruption | £300 | Nil |
| 7. Unexpected events | ||
| Travel delay (over 6 hours) | £30 for the first 6 hours, £15 for each additional 6 hours and £90 in total. | Nil |
| Polluted beaches | £30 per 24 hrs and £150 in total. | Nil |
| Natural disaster cover | £1,000 | Nil |
| Nuisance cover | £1,000 | Nil |
Excess Waiver
For an additional premium you can delete the standard excess. This will mean that in the event of a claim, the excess is reduced to Nil.
Medical Conditions
Staycationplan does not cover claims where at the time of booking your journey, taking out insurance or paying any further balance or instalments:
1. The insured person:
- is aware of any set of circumstances which could reasonably have been expected to give rise to a claim; or
- has suffered from a chronic or recurring medical condition during the previous twelve months UNLESS permission is obtained from the treating doctor of fitness to travel at the time of booking; or
- is travelling against the advice of a doctor or medical professional such as a dentist or where they would have been if they had sought their advice before beginning the journey; or
- knows that they will need treatment or consultation at any medical facility during the journey; or
- is travelling for the purpose of obtaining and/or receiving any elective surgery, procedure or hospital treatment.
2. The person whose condition gives rise to a claim:
- is receiving, or on a waiting list for treatment in a hospital or nursing home; or
- is awaiting the results of any tests or investigations; or
- has been given a terminal prognosis.
If the insured person has an existing medical condition for which consultation or treatment has been received during the 6 months prior to the date of issue of the policy, the excesses under Loss of Deposit, Cancellation/Curtailment and Medical repatriation & other expenses are increased from £40 to £80.
Please see page 3 of the Policy Wording ‘Important – Medical Conditions’ for full details.