Frequently Asked Questions
PRE-EXISTING MEDICAL CONDITIONS
Q1. What is a pre-existing medical condition?
A1. A Pre-existing medical condition is a medical condition where You; or any other person on whom the Insured persons trip depend, (including a Relative, travelling companion or Close Business Associate) have:
- a pre-existing condition that could force You to cancel or cut short Your trip;
- been admitted as an inpatient in hospital in the last 24 months;
- ever suffered from, or received any form of medical advice, treatment or medication for: a stroke; any form of cancer, leukaemia or tumour; a transplant; any heart problems; dialysis or diabetes; any blood disorder, breathing or respiratory problems; psychiatric illness or dementia.
However, we only need to be informed of such conditions if you are unable to agree to the Declaration on page 3 of the policy booklet. If you cannot agree to the Declaration you should contact Medical Screening as instructed.
Q2. Do I have to declare the pre-existing health conditions of my close relatives or business associates?
A2. No. However, please be aware that for a close relative or business associate whose health may affect the trip, if at the time of taking this insurance, or booking the trip if this was later, they had a medical condition for which he or she;
- was receiving treatment at a hospital, other than where they go to hospital for check-ups for a stable condition, at regular intervals, which have been arranged beforehand
- was waiting for a hospital consultation or treatment, other than where they go to hospital for check-ups for a stable condition, at regular intervals, which have been arranged beforehand
- had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months
We will not pay any claim you or any insured person make that has anything to do with the medical condition of the close relative or business associate.
Q3. If I have or I know of a pre-existing medical condition concerning the health of myself, my relatives, travelling companions or anyone else whose ill health would force me to cancel or cut short my trip, can I still buy a travel insurance policy?
A3. Yes, but there will be no cover under the Cancellation & Curtailment, Medical & Treatment Expenses or Ski Pack sections of your policy for any claims relating to the pre-existing medical condition unless (where necessary) you have contacted Medical Screening and we have agreed to provide cover. Please see the Declaration on page 2 of the policy booklet.
Q4. Is it possible to upgrade the policy to include a pre-existing medical condition?
A4. If you cannot agree the Declaration on page 2 of the policy booklet, you must contact Medical Screening on 0845 601 9422 where we may agree to provide cover for your pre-existing medical condition for an additional premium. If we cannot provide full cover, P J Hayman & Company Ltd may be able to offer an alternative specialist policy cover for pre-existing medical conditions to you.
RESIDENCY
Q5. Can I buy a travel insurance policy if I do not live in the UK or Northern or Southern Ireland?
A5. Yes. Although you do not have direct access to the Ski Club policy, P J Hayman & Company Ltd do however have access to products that may suit your needs. To call from outside the UK or Ireland please dial +44 845 230 0631.
AGE LIMITS
Q6. What are the age limits under the single trip or annual policies you offer?
A6. The Standard and Seasonal 100 policy will cover customers up to and including age 60. The Super and Seasonal 200 policy will cover customers up to and including age 65, whilst the Executive and Seasonal 300 policy will cover customers up to and including age 74.
Executive customers aged 75 and over who have been Ski Club members for more than 2 years may be able to obtain Ski Club Travel Insurance by contacting PJ Hayman & Company Ltd on 0845 601 9422.
(Other customers 75 years or older may be able to obtain an alternative policy through PJ Hayman & Company Ltd, however this will not be Ski Club Insurance.)
ANNUAL POLICIES
Q7. Can children in full time education be covered under a "Family Rated" annual policy?
A7. Yes, children under 21 on the date that cover commences, living at home and in full-time education can be covered.
Q8. Can children travel independently on Annual Multi Trip policies?
A8. Yes, provided that an adult will be responsible for their care for the duration of the trip however children aged 18-21 travelling independently must purchase separate insurance.
Q9. Does the Annual Multi Trip policy cover include wintersports?
A9. All Ski Club policies include wintersports cover automatically. You can however choose to deselect this cover should you require. Standard policies offer 10 days wintersports cover, Super policies 21 days and Executive policies unlimited wintersports cover. No one trip may exceed 31 days, unless an extended trip premium has been paid.
CONNECTING FLIGHTS
Q10. If my initial outbound or inbound flight is delayed, which results in me missing my connecting flight, am I covered under this policy?
A10. No, this policy does not cover missed connecting flights.
PARTICIPATION IN SPORTS & LEISURE ACTIVITIES WHILST YOU ARE AWAY
Q11. Is there any cover under the policy for any leisure or sports activities I may participate in during my trip?
A11. Yes, there are also acceptable sports and leisure activities which are covered under the policy at no additional cost. These are listed in the policy booklet on pages 8 & 9. Please note all activities are covered on an amateur basis.
In addition, certain Hazardous Sports and Leisure activities can be added to your policy for an additional premium. You must select the category your activity falls under to include the cover under your policy. See pages 8 & 9 of the policy booklet for details. However if you are taking part in an activity which is not listed in the policy booklet you must contact P J Hayman & Company Ltd on 0845 601 9422.
Q12. Can the policy be extended to include activities or sports which are not specified in the policy booklet?
A12. Activities that are not included under the various activity categories should be referred to P J Hayman & Company Ltd on 0845 601 9422.
PAYMENT PROBLEMS
Q13. I am trying to buy my travel insurance policy on the website, but it will not accept my debit/credit card, what should I do?
A13. During busy periods we sometimes experience a few problems. Please check that your credit/debit card is a card which is taken. If it is a valid card, please re-try buying the policy. If you continue to be unsuccessful, please contact us on 0845 601 9422
NON-RECEIPT OF YOUR POLICY DOCUMENTS
Q14. I have booked my travel insurance policy on the internet, but cannot download my policy documents, what do I do?
A14. Please contact us on 0845 601 9422 requesting a policy wording to be printed and sent to you via the post. If you would prefer to email us at enquiries@skiclubinsurance.co.uk please ensure you quote your policy number and date you purchased the policy in your email request.
CANCELLING A POLICY
Q15. I want to cancel my policy, what should I do?
A15. If after reading the policy booklet, this insurance does not meet with your requirements, you can cancel this policy within 14 days from the date you receive the policy wording and policy schedule. We will then refund your premium in full. We will not refund your premium after the 14-day period. If you have a single-trip policy, we will only refund your premium if the period from the date we issue the policy until your scheduled return date home is greater than 28 days. If you want to cancel your policy, you should contact us on 0845 601 9422.
MAKING A CLAIM
Q16. Is there a time limit for making a claim under the policy?
A16. No, Please call us on 0870 1222 022 and ask for a claim form as soon as possible after an event which you may want to claim for.
Q17. How do I make a claim under my policy?
A17. In the unfortunate event that you have to use your Ski Club Travel Insurance policy, please call the claims line on 0845 122 3280. The claims line is open 24 hours a day, 365 days a year. If you have a medical emergency while on holiday, call Assistance International on +44 (0)2380 644 633.
