SECTION 2

CURTAILMENT

Covered

You are covered up to [click here] for:

the value of the portion of your travel and accommodation expenses, calculated from the date of your return to your home, which have not been used and which were paid for before your departure from your country of residence.
reasonable additional travelling expenses (on the same basis as your original booking) authorised by us and incurred by you for returning to your home earlier than planned due to a cause listed below:
A. accidental injury to or serious illness or death of you, any person with whom you intend to travel, an immediate relative of yours or of the person with whom you intend to travel or a close business associate;
B. the pregnancy of you or your travelling companion occurring after the date of issue of this policy or the date the trip was booked (whichever was later) if complications with the pregnancy occur prior to the sixth month (provided there have not been any complications with any previous pregnancy);
C. your home or place of business being made uninhabitable or the police asking to see you after a theft from your home.

Conditions

You must contact the Assistance Service for assistance/advice if you need to cut short your trip for an insured reason.
You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
If you require the Assistance Service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of your cover.
If you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.
This policy does not provide compensation for loss of enjoyment.

24 hour Assistance Service
Telephone Number: +44 (0) 870 905 8548

Not Covered

the policy excess of £50
claims that are not confirmed as medically necessary by the Assistance Service, and where a medical certificate has not been obtained from the attending medical practitioner confirming the necessity to curtail;
any claim arising directly or indirectly as a result of a medical condition which has been suffered by you or for which medication, advice or treatment has been given to you in the last 12 months prior to the date this policy was issued or the date the trip was booked (whichever is later), unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
medically related claims as a result of your travel companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
additional travelling expenses incurred which are not authorised by the Assistance Service;
unused prepaid travel tickets where repatriation has been arranged by you or the Assistance Service;
anything listed in "Exclusions applicable to the whole policy".

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