Phedon Michaelides

Travel

The POLICY COVERS:

Baggage

Personal money

Personal accident

Cancellation of trip

Delay in departure

Medical expenses

Personal liability

Online Travel Insurance

Single Trip Policies and Annual Policies

Travel Insurance Policy

Purpose of this Insurance – to provide financial protection and emergency medical assistance for your trip(s).

Period of Cover – as stated on your Policy Schedule / Booking Confirmation.

The Cover

Section of Cover	Up to Limit of (€) per Insured Person	Excess
Cancellation (Deposit only)	€4,500	€52.50 area1or €75 other areas €30.00 area1or €37.50 other areas
Curtailment	€4,500	€52.50
Missed Departure	€750	€52.50
Travel Delay Holiday Abandonment	€300 €4,500	Nil €52.50 area 1 or €75 other areas
Personal Accident	Death €22,500 Loss of Limb(s) and sight €22,500	Nil Nil
Emergency Medical and Travel Expenses	€7,500,000	€75 area 1 or €112.50 other areas
Hospital Benefit	€750	Nil
Personal Money Cash (aged18 and above) Cash (aged under 18)	€750 €300 €112.50	€52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas
Personal Effects and Baggage Single Item Limit Total for Valuables Travel Documents Delayed Baggage	€2,250 €375 €375 €350 €225	€52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas
Personal Liability	€3,000,000	€375
Hijack	€7,500	Nil
Missed Departure	€750	€52.50 area 1 or €75 other areas
Legal Expenses	€15,000	€375

If you have chosen Winter Sports cover, and paid the additional premium required for this cover, the following also applies:

Cover	Up to Limit of (€) per Insured Person	Excess
Ski Equipment – owned Single item Limit - owned Hired	€900 €375 €450	€52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas €52.50 area 1 or €75 other areas
Ski Hire	€600	Nil
	€300	Nil
Ski Pack	€525	Nil
Piste Closure	€525	Nil
Avalanche Closure	€750	€52.50 area 1 or €75 other areas