Travel: trips, certificates and assistance

Single-trip and annual travel policies are priced from the trips and travellers on the quote, and come with certificates that embassies and hospitals can check online.

Pricing

On a travel product, Rules for this line sets the premium per traveller per day and the loadings by region (Europe, worldwide and so on). On the quote, the Trip tab takes the dates, the countries and the trip cost; the region is worked out from the countries when left empty. The premium is the daily rate times the days times the travellers, plus the region loading.

Certificates

Issue certificates on the policy gives each traveller a certificate (PDF) with a code and a QR code. Anyone can check a certificate at the Check page without signing in: it shows whether it is genuine and in force, and for a Schengen trip whether the medical limit meets the EUR 30,000 minimum. Issuing again replaces the old certificates, and the old codes show as replaced.

Emergencies abroad

Emergency abroad on the policy opens an assistance case with the country and place. Each step (a hospital found, a guarantee of payment sent, a repatriation arranged) is logged on the case with any guarantee amount.

Benefits

On a travel claim, Work out the benefit applies the rules on the product:

• Travel delay: a fixed amount for each block of hours after the first, up to the maximum.
• Baggage: each item's price less wear and tear for its age, with a limit per item and in total.
• Cancellation: the non-refundable cost, only for the reasons covered (illness, a death in the family, redundancy, jury service, serious damage to the home, visa refused).

The claim check also confirms that the loss happened during the trip.