This insurance has been specially arranged for Balkan Holidays by Voyager Insurance Services Limited and is underwritten by UK Underwriters Ltd.

Summary of cover

POLICY LIMITS
Most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits, eg. for any one item or for valuables in total.

POLICY EXCESSES
Claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of the claim.

REASONABLE CARE
You are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.

COMPLAINTS
This insurance policy includes a Complaints Procedure which tells you what steps you can take if you wish to make a complaint.

HAZARDOUS HOLIDAY ACTIVITIES
This policy may not cover you when you take part in certain hazardous activities, eg.: heli skiing. If you are uncertain whether cover is provided. Contact Voyager Insurance Services Limited on 01483 562 662.

COOLING-OFF PERIOD
Your policy contains a 14 day cooling-off period during which you can return your policy and get a refund if you have a justifiable reason for being dissatisfied with the cover it provides.
The contract will be subject to English law unless otherwise agreed.

PLEASE ENSURE YOU READ YOUR
INSURANCE POLICY CAREFULLY
Balkan Holidays Travel Insurance is only available to permanent residents of the U.K.

WHAT TO DO IN THE CASE OF A MEDICAL EMERGENCY
If you have the misfortune to suffer a serious illness or injury whilst on your Balkan Holiday, you should contact the company shown in your travel insurance policy immediately. This 24-hour assistance company will assign an experienced assistance coordinator to help you and to ensure that any necessary costs admissible under the policy are guaranteed and the correct action is taken immediately. In addition to this, they will, if necessary, arrange repatriation to your place of residence in the United Kingdom.

IMPORTANT NOTICE
Insurance policy
This contains full details at the cover provided plus the conditions which apply to it. You must read the insurance cover fully. In particular there are conditions and exclusions relating to pre-existing medical conditions and we would draw your attention to the questions in the Medical conditions box on the right.

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 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.

Please note:
You are not covered for any related claims if you:

• You are not covered for any related claims if you:
  
• are planning to travel against the advice of your doctor or with view to obtaining treatment.
  
• have been given terminal prognosis.
  
• are pregnant with anticipated delivery date of less than 14 weeks after you plan to return home.
  
• have any previously diagnosed psychiatric disorder.
  
• are on a waiting list for in-patient treatment or investigation.