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Welcome
to Philippine Holiday's Personal Travel Insurance page |
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Let Philippine Holiday prepare a quote for you using our Quote Wizard.
Please Turn Off Your Pop-up Blocker(s) to Allow the Wizard
to Launch.
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SINGLE TRIP - GOLD and ANNUAL MULTI-TRIP |
SINGLE TRIP - CLASSIC |
LONG-STAY |
| Medical Expenses |
£5,000,000 |
£5,000,000 |
£5,000,000 |
| Repatriation |
£5,000,000 |
£5,000,000 |
£5,000,000 |
| Personal Accident |
£20,000 |
£20,000 |
£10,000 |
| Loss of Limbs or Sight |
£20,000 |
£20,000 |
£10,000 |
| Permanent Total Disablement |
£20,000 |
£20,000 |
£10,000 |
| Death |
£10,000 |
£10,000 |
£5,000 |
| Person under 18 Death Limit |
£1,500 |
£1,500 |
Nil |
| Personal Liability |
£2,000,000 |
£2,000,000 |
£1,000,000 |
Legal Expenses |
£15,000 |
£15,000 |
£5,000 |
Withdrawal of Services |
£15 per 24 hours
up to £300 |
£15 per 24 hours
up to £300 |
Nil |
Personal Possessions |
£1,500 |
Nil |
£500 |
Sports Equipment |
£1,000 |
Nil |
Nil |
Travel Documents |
£300 |
Nil |
£150 |
Any one item, set or pair |
£300 |
Nil |
£150 |
Valuables |
£300 |
Nil |
£150 |
Baggage Delay |
£100 |
Nil |
£50 |
| Money |
£300 |
Nil |
Nil |
Cash Limit |
£200 |
Nil |
Nil |
Person under 18 Cash Limit |
£100 |
Nil |
Nil |
| Cancellation or Curtailment |
£5000 |
£5,000 |
£2,000 |
| Travel Delay |
Up to £600 |
Up to £600 |
Nil |
| First 12 Hours |
£20 |
£20 |
Nil |
| Additional per 12 hours |
£10 up to £100 |
£10 up to £100 |
Nil |
| Domestic Pets |
£10 per 24 hours
up to £200 |
£10 per 24 hours
up to £200 |
Nil |
| Hospital benefit |
£20 per day up to £1,000 |
£20 per day up to £1,000 |
£20 per day up to £1,000 |
| Hijack/Mugging |
£50 per day up to £500 |
£50 per day up to £500 |
£500 |
| Catastrophe |
£300 |
£300 |
£300 |
| Winter Sports Equipment (owned) ** |
£300 |
Nil |
£300 |
| Winter Sports Equipment (hired) ** |
£200 |
£200 |
£200 |
| Avalanche Cover ** |
£200 |
£200 |
£200 |
| Ski Hire ** |
£20 per day max £200 |
£20 per day max £200 |
£20 per day max £200 |
| Ski Pack ** |
£20 per day max £200 |
£20 per day max £200 |
£20 per day max £200 |
| Piste Closure ** |
£20 per day Up to £200 |
£20 per day Up to £200 |
£20 per day Up to £200 |
| Time Share Maintenance Fees |
£5,000 |
£5,000 |
£5,000 |
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Cancellation & Curtailment
Cover
The sum insured is still £5k per person - this can be
increased to a maximum of £15k per person. A price will
be quoted on a referral basis and will depend on the age of
the traveller, destination, duration and pre-existing conditions.
Please refer quote requests with this information to A&H
Risk.
Annual Multi-Trip
Maximum age is 68 at the date of commencement (previously was
under 68 at age of commencement).
Single Trip
Maximum age is 75 on departure date (previously under 75 on
return date)
Travel or Accommodation Provider Failure
This is a new product feature which can be purchased for a
small additional premium – it has been a hot topic in
the travel insurance market as most policies do not protect
the consumer against this kind of failure. Details of the cover
can be found in Section P on Page 7 of the policy Wording. |
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- £2.50 per person on a single
trip
- £3.50 per person on an Annual Multi-Trip
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Medical Screening - Travellers
Protection Services Ltd. 0870 774 4408 |
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- Travellers Protection Services’ opening times for
medical screening are as follows (previously 9am to 5.30pm
Mon-Fri)
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- Mon-Fri: 8am to 8pm
- Sat: 9am to 5pm
- Sun: 10am to 4pm
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- Screening is done using the Healix Medical Screening System – a
more advanced and comprehensive system
- Customers now have the option to cover pre-existing conditions
(previously they would either be excluded or have an increased
excess associated with them) by paying an additional premium.
This service is offered by the screening company and is available
when the customer calls the medical screening company.
- If they do not wish to cover their disclosed medical condition
then it is excluded without any change to the premium.
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Assistance Company – Global
Response (as before) |
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- Available 24hr/7day/365 days
- For assistance policy holders would call one of the following
numbers and quote AHR07, depending on their location:
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- USA/Canada – 1-800-709-3422
- Caribbean/Mexico - +1-819-566-1513
- Elsewhere in world - +44 (0)870 420 3812
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- Customer needs to quote name, policy certificate number,
address and contact phone number abroad
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Claims Service – Travellers
Protection Services Ltd. 0870 420 3803.
Quote UKU and policy certificate number.
Address: Travellers Protection Services Ltd, 1 Prince of Wales
Rd, Norwich. NR1 1AW
Opening times as follows: |
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- Mon-Fri: 8am to 8pm
- Sat: 9am to 5pm
- Sun: 10am to 4pm
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Your Policy Summary |
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Travel Insurance |
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Governing Law The
policy shall be governed by and construed in
accordance with the Law of England and Wales unless
the policyholder’s habitual residence is located in
Scotland in which case the Law of Scotland shall apply.
‘Read Me First’ – Page 2
‘Conditions which apply to
your whole policy’ – Page 7
Acceptable
Sports &
Leisure
Activities
‘Read Me First’ – Page 2
‘Policy Definitions’ –
Acceptable Sports & Leisure
Activities and Hazardous
Activities – Page 3
Wintersports - Section K-)
‘Policy Definitions’ – Page 3-4
Cover – Page 6&7
General Exclusions - Page 7
If you are planning to participate in a sport or leisure
activity cover may not be available. Please refer to
page 2 of the Policy.
You may be covered when participating in certain
winter sports if you have paid the appropriate
additional premium.
Age Limits ‘Schedule of Benefits’
Page 1
‘Read Me First’ – Page 2
Under the Classic or Gold Single Trip covers, an age limit
of 75 years on the date of departure applies; under the
Annual Multi-Trip cover, an age limit of 68 years on the
date of commencement applies; and under the Long
Stay cover, an age limit of 68 years on the date of
departure applies
‘Read Me First’ – Page 2
‘Policy Definitions’ – Page 3
‘Conditions which apply to
your whole policy’ – Page 7
Residency To be eligible for this insurance policy, you must
be a
UK resident at the time the policy is purchased. Please
refer to the definition of a resident on page 3
COMPENSATION SCHEME
In the event that AXA Insurance UK plc is unable to meet its
liabilities you may be entitled to compensation from
the Financial Services Compensation Scheme (FSCS).
In the event that Primary Insurance Company Limited is unable
to meet its liabilities you may be entitled to
compensation from the Irish Insurance Compensation Fund. |
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Further information can be found
in your policy under ‘Compensation Scheme’. |
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YOU ARE COVERED
Travel insurance arranged by Acumus Insurance Solutions Limited
with UK Underwriting Limited on
behalf of AXA Insurance UK plc. and Primary Insurance Company
Limited.
AXA Insurance UK plc. registered Office: 5 Old Broad Street,
London EC2N 1AD, Registered in England
No. 78950.
Primary Insurance Company Limited, an insurance company established
in Ireland and authorised and
licensed by the Irish Financial Services Regulatory Authority.
Registered in The Republic of Ireland,
registration number E340407, registered office First Floor,
Fitzwilton House, Wilton Place, Dublin
2,Ireland.
A&H Risk Services Limited (trading as A&H Risk Solutions),
Acumus Insurance Solutions Limited, UK
Underwriting Limited and AXA Insurance UK plc are authorised
and regulated by the Financial Services
Authority. This can be checked on the FSA’s register
by visiting the FSA’s website at
www.fsa.gov.uk/register or by contacting them on 0845 606 1234
The subscribing insurers’ obligations under contracts
of insurance to which they subscribe are several
and not joint and are limited solely to the extent of their
individual subscriptions. The subscribing
insurers are not responsible for the subscription of any co-subscribing
insurer who for any reason does
not satisfy all or part of its obligations.
Acumus Insurance Solutions Limited, UK Underwriting Limited
and Primary Insurance Company
Limited are all part of the Primary Group of companies |
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Travel Insurance |
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SECTION CLASSIC COVER GOLD OR ANNUAL MULTI-TRIP COVER LONG
STAY COVER
Cover Excess* Cover Excess* Cover Excess*
A1 Cancellation & Curtailment Up to £5,000 £40
(with £15 in Up to £5,000 £40 (with £15
in Up to £2,000 £40 (with £15 in
inc. Timeshare Maintenance Fees Up to £400 per week respect
of LOD) Up to £400 per week respect of LOD) respect of
LOD)
A2 Catastrophe Up to £300 N/A Up to £300 N/A Up
to £300 N/A
A3 Withdrawal of Services £15 per day up to £300
N/A £15 per day up to £300 N/A N/A N/A
B Medical and Treatment Expenses
(This section includes emergency Up to £5,000,000 £40
Up to £5,000,000 £40 Up to £5,000,000 £40
assistance services)
C Hospital Benefit £20 per day up to £1,000 N/A £20
per day up to £1,000 N/A £20 per day up to £1,000
N/A
D1 Travel Delay £20 for the first full 12 hour £20
for the first full 12 hour
period, £10 for each additional N/A period, £10
for each additional N/A N/A N/A
12 hour period, up to £100 12 hour period, up to £100
D2 Holiday Abandonment Up to £5,000 £40 Up to £5,000 £40
N/A N/A
D3 Hijack and Mugging Benefit £50 per day Up to £500
N/A £50 per day Up to £500 N/A £50 per day
Up to £500 N/A
D4 Missed Departure Up to £600 £40 Up to £600 £40
N/A N/A
E Personal Accident Max. Benefit £20,000 Max. Benefit £20,000
Max. Benefit £10,000
Loss of Limbs or sight £20,000 £20,000 £10,000
Permanent Total Disablement £20,000 £20,000 £10,000
(aged under 65)
Permanent Total Disablement Nil N/A Nil N/A Nil N/A
(aged 65 and over)
Death Benefit (aged 18 – 64) £10,000 £10,000 £5,000
Death Benefit £1,500 £1,500 Nil
(aged under 18 or 65 and over)
F Personal Liability Up to £2,000,000 £40 Up to £2,000,000 £40
Up to £1,000,000 £40
G Legal Expenses Up to £15,000 £40 Up to £15,000 £40
Up to £5,000 £40
H Personal Effects & Baggage Up to £1,500 £40
Up to £500 £40
Single Item Limit £300 £150
Valuables Limit N/A N/A £300 £150
Sports Equipment Limit £1,000 Nil
Travel Documents £300 £150
Delayed Baggage £100 after 12 hours £50 after 12
hours
I Personal Money Up to £300 £40
Cash Limit N/A N/A £200 N/A N/A
Cash (aged under 18) £100
J Pet Care £10 per day up to £200 N/A £10
per day up to £200 N/A N/A N/A
WINTER SPORTS COVER (additional cover available upon payment
of an additional premium)
K Ski Equipment £40 £40 £40
Owned Nil Up to £300 Up to £300
Single Item Limit – Owned £200 £200
Hired Up to £200 Up to £200 Up to £200
L Ski Hire £20 per day up to £200 N/A £20
per day up to £200 N/A £20 per day up to £200
N/A
M Ski Pack Up to £20 per day up to £200 N/A Up
to £20 per day up to £200 N/A Up to £20 per
day up to £200 N/A
N Piste Closure £20 per day up to £200 N/A £20
per day up to £200 N/A £20 per day up to £200
N/A
O Delay due to Avalanche Up to £200 £40 Up to £200 £40
Up to £200 £40
TRAVEL OR ACCOMMODATION PROVIDER FAILURE COVER (additional
cover available upon payment of an additional premium)
P Travel or Accommodation Up to £5,000 £40 Up to £5,000 £40
N/A N/A
Provider Failure
* Where a single incident relates to two or more members of
the same family (i.e. husband, wife/partner and any children
up to 18 years of age) insured under the same certificate,
the excess for which they
are collectively responsible will not exceed £80. The
maximum we will pay under all benefits of this policy is £10,000,000
per Insured
TERRITORIAL LIMITS
Area 1 United Kingdom, the Channel Islands, Isle of Man and
the Republic of Ireland
Area 2 Europe west of the Ural Mountains, Madeira, Canary Islands,
Iceland, The Azores, Mediterranean Islands and Non-European
Countries bordering the Mediterranean (excluding Libya and
the Lebanon)
Area 3 Worldwide excluding USA, Canada and the Caribbean
Area 4 Worldwide including USA, Canada and the Caribbean |
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