FAQ

For Policies purchased before 31 March 2020 with a certificate number commencing: 85xxxx

Section 1-Cancellation.  You can claim for the cancellation of a planned trip only if you are diagnosed with the virus and a doctor verifies that you are too ill to travel. The sum insured is up to the limits and excesses shown on your Schedule of Insurance.  Cancellation or Curtailment of a trip and/or any additional expense incurred for any other C0VID-19 -related reason is not covered.

Section 2 – Medical, Repatriation and Funeral Expenses. You can claim for medical and related expenses if catch COVID-19 whilst on a trip up to the limits and excesses chosen under Section 2 of the policy.

For Policies purchased between 1 April 2020 and 31 May 2020 with a number commencing: 84xxxx

There is no cover under any section of the insurance for any claim related directly to the COVID-19 virus.

These policies cannot be extended to cover claims related to the COVID-19 virus.  If you wish to have cover for claims related to the C0VID-19 virus you must cancel your policy and purchase a new one.

For policies purchased after 1^st June 2020 with a certificate number commencing LB0xxxxxx

There is a standard general exclusion on the policy which excludes cover under all sections of the policy for any claim related to the COVID-19 or similar virus.

However, for an additional premium it is possible to add the COVID-19 Extension to your policy.  It will give you the following cover:

Prior to Travelling :

• Cancellation cover up to £/€ 1,500 per insured person (Excess £/€ 100) if you –

1. a) are diagnosed and hospitalised with COVID-19 up to 28 days before your trip.
2. b) are forced to quarantine/self-isolate following a positive COVID-19 or SARS-CoV-2 test up to 14 days prior to your departure.
3. c) show symptoms of COVID-19 and are DENIED BOARDING at your point of departure.

Whilst Travelling :

• Medical, Repatriation and Funeral Expenses if you catch COVID-19 whilst on a trip up to the limits and excesses chosen under Section 2 of the policy.

• EXTENSION OF STAY cover – if you are forced to quarantine/self-isolate due to COVID-19 whilst on your trip and cannot make your return journey on the due date.

We will pay up to:

£/€ 50 per day additional accommodation costs (maximum 14 days) -No excess

and £/€ 300 for a flight within Europe and up to £/€ 500 for a Worldwide flight – No excess.

• DENIED BOARDING COVER – if you show symptoms of COVID-19 and are denied boarding at your point of departure on your return journey and need to extend your stay.

We will pay up to:

£/€ 50 per day additional accommodation costs (maximum 14 days) – No excess.

and £/€ 300 for a flight within Europe and up to £/€ 500 for a Worldwide flight – No excess.

For Single Trip policies the extension must be purchased when the policy is bought.

For Annual Multi Trip policies the extension is not available for the whole period of cover of the policy but must be purchased to cover individual trips.  The cover can be purchased at any time during the validity period of the policy.

Every trip for which the Covid-19 extension is required must be registered with Europesure and noted individually in the policy documentation and the additional premium paid.

Yes, you can purchase a single trip policy for the remaining part of your trip. There will be no cover for any pre-existing medical conditions and other conditions will apply.  Details can be found in Definition 19 – Period of Insurance, on page 12 of the full Policy wording.

If you have a question which is not answered here, please feel free to contact us at enquiries@statusglobalinsurance.com or telephone +44 (0) 1277 637585.

In the unlikely event that you are not satisfied with the level of service provided, please follow the procedure shown on your Schedule of Insurance or click here.

Yes, under our Single and Annual Multi-Trip policies you can take out our optional golf cover which not only covers your owned or hired golf clubs for loss and damage up to £/€ 1000, but also covers you against loss of green fees.

Single Trip policy – Cover for cancellation of a trip commences at the time you book the trip or the policy is issued and the premium paid, whichever is the latter.

Annual Multi-Trip policy – Cover for cancellation of a trip commences at the time you book the trip during the Period of Insurance or at the start of the Period of Insurance, whichever is the latter.

Cover for Cancellation ends when you leave your home or place of work, to start your trip, whichever occurs last.

There is no cover under Section 2 – Medical Expenses and Repatriation, but cover applies under the other sections if your trip is away from your home for at least two nights stay in pre-booked accommodation, or there are travel arrangements that have been pre-booked with a commercial carrier.

Our Policy covers some pre-existing Medical conditions.

The definition of a Pre-existing medical condition is found on page 12 of the policy wording and says:

A Pre-Existing Medical Condition is:

a) Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy or cancer for which you have received treatment during the last 60 consecutive months (including surgery, tests or investigations by your doctor or a consultant/specialist and prescribed drugs or medication);

b) Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the twelve months before the start of your trip, or for which you are on a waiting list for, or have knowledge of the need for, surgery treatment or investigation at a hospital, clinic or nursing home;

c) Any medical condition for which you are taking prescribed drugs or medication;

d) Any medical condition for which you have received a terminal prognosis;

e) Any medical condition that you are aware of but for which you have not had a diagnosis.

To clarify:

If you suffer from any condition listed in a) above and you have received treatment (including surgery, tests or investigations by your doctor or a consultant/specialist, which are not routine, and/or newly prescribed drugs or medication) during the 60 consecutive months before the commencement of your trip, you will not have cover under the Europesure policy.

But

The Europesure policy will give you cover if you suffer from any condition listed in a) above but you have not received treatment and the condition has been stable and well controlled on GP administered medication for the full 60 months before the start of your trip.  Treatment includes but is not limited to:  non-routine tests or investigations by your doctor or a consultant/specialist; hospital admission or referral and/or newly prescribed drugs or medication because of a worsening of your condition.

The Europesure policy will not give cover for any of the medical conditions described in b), d) and e) above.

However, the following list of conditions will automatically be covered, provided that the statement in brackets applies to you.

• Acne
• ADHD (Attention Deficit Hyperactivity Disorder)
• Any disabilities impairing mobility, vision or mental health providing anInsured Person is accompanied by an appropriate carer for when any assistance is required
• Arthritis – Juvenile, Osteoarthritis, Rheumatoid or Psoriatic arthritis, Reiter’s Syndrome, Rheumatism. (There must have been no hospital admissions within the last 12 months. The arthritis must not affect the back more than any other area of the body. The Insured Personmust not be taking more than 2 medications. The Insured Person must not require any mobility aids, other than a walking stick. There must have been no dislocations or any joint replacements. The Insured Person must not be awaiting surgery. The Insured Person must have no lung problems/respiratory disorders.)
• Allergies (limited to Rhinitis, Chronic Sinusitis, Eczema, Food intolerance & Hay Fever)
• Asthma (providing it was diagnosed before age 50, and theInsured Person is taking/using no more than 2 medications/inhalers and has not been admitted to hospital in the last year)
• Bells Palsy
• Benign Positional Vertigo
• Bladder Infection
• Breast Cancer/Prostate Cancer (provided the Insured Person: -was diagnosed more than 12 months ago; -has not had any chemotherapy or radiotherapy in the last 12 months and the cancer has not spread outside the breast or prostate at any time; -in the case of cancer of the prostate the Insured Personmust have a PSA of 3.0 or less)
• Bunions
• Carpal Tunnel Syndrome
• Cataracts
• Coeliac Disease
• Congenital Blindness
• Corneal Graft
• Cystitis (provided no ongoing treatment)
• Deafness
• Diabetes (providing there have been no  complications such as impaired kidney function, heart disease, peripheral vascular disease, leg or foot ulcers, retinal damage, nerve damage, leg or foot amputation, liver damage).
• Dry Eye Syndrome
• Eczema
• Enlarged Prostate (benign only)
• Essential Tremor
• Folate Deficiency
• Fungal Nail Infection
• Gallbladder Removal (no complications)
• Gastric Reflux
• Glaucoma
• Goitre
• Gout
• Hay Fever
• Hiatus Hernia
• High Cholesterol
• Hormone Replacement Therapy – HRT
• Hypertension – High Blood Pressure
• Hypotension – Low Blood Pressure (Must not be associated with any underlying condition)
• Impetigo
• Insulin Resistance
• Macular Degeneration
• Meniere’s disease
• Migraine
• Osteoporosis – Osteopenia, Fragile Bones (There must have been no broken bones within the last 5 years)
• Pernicious Anaemia
• Prostate cancer – see Breast cancer above
• Raynaud Disease
• RSI (Repetitive strain injury/Tendinitis)
• Sinusitis
• Tendonitis
• Tinnitus
• Tonsillitis
• Underactive or Overactive Thyroid

If you have a medical condition, which isn’t shown in Definition a) or excluded by the Definitions a), b), d) and e) above, but is not on the above list of automatically covered conditions, you will have cover if the following apply:

1. The condition has been stable and well controlled for the 24 months before the start of your trip on GP administered medication.
2. You have not required a hospital admission or referral to a specialist because of a worsening of your condition.

No, Winter Sports are not covered automatically.  However, you can choose winter sports cover as an option under both Annual multi-trip and Single Trip policies.

 Depending on your age and destination, an Annual multi-trip Policy can be purchased to cover individual trips of either: 17, 32, 45 or 90 days. Subject to the eligibility requirement set out in Definition 8 – Country of Residence, unlimited trips can be taken during the policy period up to the maximum number of days per trip that you have purchased.

Maximum periods per trip are :

• Trips to Europe – there is a maximum of 90 days per individual trip for clients aged up to 79
• Trips Worldwide (excluding USA/Canada) – there is a maximum of 90 days per individual trip for client aged
  up to 65; there is a maximum of 45 days per individual trip for clients aged between 66 – 75 and 32 days for clients aged between 76 – 79
• Trips to USA/Canada – there is a maximum of 90 days per individual trip for client aged up to 65; there is a maximum of 32 days per individual trip for clients aged between 66 -75 and 17 days for clients aged between 76 -79