It is a condition of every booking that clients insure against all holiday risks. Such insurance should ensure that you are fully covered against unexpected cancellation charges, medical expenses arising abroad, loss of luggage or money and personal liability claims.

Tuscan Holidays can provide holiday insurance and it is strongly recommended that you accept it. However, you are free to make your own arrangements provided that the resultant policy offers cover comparable to that offered by ourselves. You will be asked to provide a copy of your policy. If you elect to make your own arrangements, please inform us immediately.

The holiday insurance we provide is arranged through Holiday Extras Travel Insurance, details of which are shown when you click on the headings above.

 

The Cover	.
Section	Cover Limit	Excess
Personal Assistance Services Provides help to replace lost travel documents, or prescription medication, trace luggage or to transfer emergency funds.	£250	Nil
Medical Emergency and Repatriation	£5,000,000	£75 (£100 if 65 or over)
Emergence Dental Treatment We will pay for the cost of providing temporary medical treatment for the immediate relief of pain.	£150	£75 (£100 if 65 or over)
Additional Accommodation and Travelling costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home.	£1,000	Nil
Hospital Daily Benefits We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	£15/complete day	£75 (£100 if 65 or over)
Cancellation, Curtailment and Trip Interruption We will pay for the cost of your trip if you have to cancel because of unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called for jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you have been made redundant, or you are compulsory quarantined, or if you cancel after a 12 hour delay.	£5,000	£75
Travel Delay We will pay a benefit if the departure of your first outward or final inward international transport is delayed for more than 12 hours beyond the intended departure time.	£20 for first full 8 hour delay then £20 for each subsequent full 12 hours (max. £60)	Nil
UK Departure Assistance We will pay for extra costs you incur if you are delayed or miss your connection because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£500	Nil
Missed Departure We will pay reasonable additional travelling and accommodation expenses necessary to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£300 Europe/£600 Worldwide	£75
Personal Luggage If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear and tear and depreciation).	£1,500 Total/£250 for single article, or pair of articles	£75
Luggage Delay We will pay a benefit to purchase essential items if your luggage is delayed on your outward journey.	In Excess of 12 hours - £100	Nil
Money and Passport We will cover you for the loss of money that you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it.	£300 Total/£100 for cash (£50 if insured is under 18)	£75
Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims.	£2,000,000	Nil
Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. We will cover you against all sums which you become legally liable to pay and all costs	£10,000 Death (£1,000 if insured is under16 or over 65); £25,000 Loss of one or more limbs or total and irrecoverable loss of sight in one or both eyes; £25,000 permanent total disablement (£1,000 if the insured is over 65)	Nil
Legal Protection If you suffer death or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£25,000	Nil

 

The Benefits

Excellent cover at excellent prices.

• Excellent cover at excellent prices.
• Children under 2 years of age - FREE of charge.
• Children under 18 years at date of issue - FREE when travelling with an insured adult (up to 3 children per adult).
• Single premiums for adults aged 60 - 64 years.
• Comply with the important conditions and you're covered.
• FREE emergency assistance - wherever you are, all you need to do in any emergency is call FREE 24 hours a day, 365 days a year for expert help.
• Fast and efficient claims service, turned around in as little as 5 days.
• Money back guarantee if your policy is not right for you, let Holiday Extras know within 14 days and they'll refund your money.

 

The Prices

These premiums are in £'s per person and include Insurance Premium Tax at 17.5% for insurance issued 1st October 2007 - 30 November 2008.

.	1-5 days	6-10 days	11-17 days	18-24 days	25-31 days	Extra week
Europe	15.50	18.00	22.00	26.00	29.00	7.00
USA/Canada	35.00	42.00	50.00	61.00	64.00	16.00
Australia/NZ	31.00	37.00	45.00	47.00	60.00	13.00
Rest of World	33.00	39.00	46.00	49.00	61.00	15.00

The maximum duration allowed is 365 days.

Excess waiver £7.50 per insured person, £12 per adult aged 65-69, £17 per adult aged 70 and over.

Children under 2 years - FREE.
Children under 18 years at date of issue - FREE when travelling with an insured adult (up to 3 children per adult).
Adults 65 - 74 years - Double premium.
Adults 75 - 85 years - Triple premium.

 

Requirements & Exclusions

You must keep to the following conditions to have the full protection of your policy. If you do not Holiday Extras may cancel the policy or refuse to deal with your claim, or reduce the amount of any payment they make for a claim.

• You must habitually reside in the UK Area (have your main home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy.
• You must be registered with a UK doctor.
• You must be under the age of 86 years.
• You must declare all material facts that are likely to affect this insurance.
• This policy contains restrictions on what cover is in place for claims arising from terrorist activity.
• This policy contains restrictions regarding pre-existing medical conditions, which unless declared and accepted by the insurers in writing prior to travel may invalidate any subsequent claim.
• No section shall apply in respect to any claim arising from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
• Refer to the policy wording for full requirements, notes, exclusions and conditions.

You have the right to cancel your insurance policy within 14 days from the date of issue.

Conditions

This insurance does not cover you for any pre-existing medical conditions unless you call Holiday Extras and your cover is confirmed to you in writing.

This policy will not cover any claims under section 6 arising directly or indirectly from pre-existing medical conditions affecting any:

• Close relative who is not travelling as an insured person under this policy.
• Travelling companion who is not insured under this policy.
• Person with whom you intend to stay whilst on your trip.

If during the 90 days immediately prior to the commencement of the Period of Insurance they had:

• Required surgery, inpatient treatment or hospital consultations.
• Required any form of treatment or prescribed medication.
• If they were on a waiting-list for, or had knowledge of the need for surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the period of insurance.
• If a terminal diagnosis had been received prior to the commencement of the period of insurance.