Holiday Insurance For Your Complete Peace of Mind

You needn't worry about shopping around for travel insurance, because our policy has been exclusively designed for Balkan Holidays based on our many years' experience of sending travellers all over the world.
Most importantly we include a 24-hour medical emergency service, a must for any traveller overseas. In addition, we cover the cost of your holiday if you have to cancel before departure, loss of baggage, travel delay and even the cost of getting you on another ferry or plane if you miss yours because of an accident on the motorway!
Travel insurance is so important that as responsible tour operators we have to make sure that all our customers have a valid travel insurance policy to cover the full period of the holiday.
In fact we're so confident that our policy is one of the best available that we even offer a 14 day money-back guarantee.
If you have decided not to buy our insurance, we will need a photocopy of your policy showing all the names on the booking form for us to check and keep on file. This will enable us to assist you by liaising with your insurance company in the event of an emergency. We reserve the right to decline a policy, which in our opinion does not offer adequate protection comparable to ours.
Many people think that the form EHIC is a substitute for travel insurance. It is not, as it only pays some emergency medical costs and doesn't cover repatriation.
The following is a summary of cover only. You will receive the full policy wordings at the time of purchase, which define the cover, conditions and exclusions. You have a 14-day cooling-off period during which you can return it and get a refund if you have a justifiable reason for being dissatisfied with the cover provided. The insurance is arranged with UK Underwritting Ltd on behalf of AXA Insurance UK plc.

Excesses
£50 (£20 Loss of deposit), Public Liability and Legal expenses £100.

Health Conditions
This insurance does not contain a health warranty but insurers will not pay any related claim if at the start of this insurance:

1. You are aware of any condition, which is likely to result in a claim under this insurance.
2. You are taking continuing medication (unless both the condition for which you are taking it and your dosage levels are normally stable and well controlled) or have had medical treatment or surgery in the last 6 months
3. You are on a hospital waiting list for in-patient treatment or are travelling with the intent of having medical treatment
4. You are travelling against medical advice or after you have been given a terminal prognosis
5. You are pregnant and the expected date of delivery is less than 10 weeks after you plan to return Summer 08 Home.
6. It may be possible to waive or amend these exclusions by contacting the Medical Pre-Screening service on Freephone number 0800 0133445 quote ref: VOY/BALK/02.

Important Notice
In accordance with the Association of British Insurers General Business Code of Practice, we would like to draw your attention to some important features of your travel insurance including:

1. Insurance Document
   You should read this document carefully. It gives full details of what is and is not covered and the conditions of the cover. Cover can vary from one policy to another so you should familiarise yourself with this particular insurance.
2. Conditions and Exclusions
   Specific Conditions and Exclusions apply to individual sections of your insurance, whilst General Exclusions and Conditions will apply to the whole of your insurance.
3. Health
   This insurance contains restrictions regarding pre-existing medical problems concerning the health of the people travelling and of other people upon whose health the trip depends. You are advised to read the document carefully.
4. Property Claims
   These claims are paid based on the value of the goods at the time you lose them and not on a 'new for old' or replacement cost basis. Allowance will be made for their age and likely condition.
5. Limits
   This insurance has limits on the amount the insurer will pay under each section. Some sections also include other specific limits, for example, for any one item or for valuables in total.
   Balkan Holidays Travel Insurance is only available to permanent residents of the U.K.
6. Excesses
   Under some Sections of this insurance, claims will be subject to excess. This means you will be responsible for paying the first part of the claim under each applicable section.
7. Reasonable Care
   You need to take all reasonable care to protect yourself and your property, as you would if you were not insured. The amount insurers will pay for property left unattended in a public place or unattended vehicle is very limited, as specified in the wording.
8. Dangerous Sports & Pastimes
   You may not be insured if you are going to take part in dangerous sports or pastimes where there is a generally recognised risk of injury. Please check that this insurance covers you, or ask your agent.
9. Customer Service
   We always try to provide a high level of service. However, if you think we have not lived up to your expectations, please refer to the wording which outlines our Customer Service & Complaints Procedure.
10. Cooling-off Period
    This insurance contains a 14 day 'cooling off' period during which you can return it and get a full refund if you have a justifiable reason for being dissatisfied with the cover, provided you have not travelled and there are no claims.
11. Date Recognition Failure
    Certain sections of your policy contain exclusions for losses arising from the failure of equipment to correctly recognise the calendar date.
12. Fraudulent Claims
    It is a criminal offence to make a fraudlent claim.

Material Facts
You must advise us of all material facts. A material fact is on that is likely to influence the insurers in accepting your insurance. If you are in any doubt as to whether a fact is "material" you should ask us. Please contact Voyager Insurance Services on 01483 562662

• are planning to travel against the advice of your doctor or with a view to obtaining medical treatment.
  
• have been given a terminal prognosis.
  
• are pregnant with an anticipated delivery date of less than 14 weeks after you plan to return home.
  
• have any previously diagnosed psychiatric or psychological disorder.
  
• are on a waiting list for treatment or investigation.