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DNATA TRAVELGUARD POLICY WORDING

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Click here for Arabic Language DNATA TRAVELGUARD POLICY WORDING What to do if You need assistance: Please Contact: The Customer Care Manager Assistance Department PO Box 2157 Shoreham by Sea West Sussex
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Click here for Arabic Language DNATA TRAVELGUARD POLICY WORDING What to do if You need assistance: Please Contact: The Customer Care Manager Assistance Department PO Box 2157 Shoreham by Sea West Sussex BN43 9DH Phone: 44 (0) What to do if You have a claim: Please Contact: The Customer Care Manager American Home Assurance Company (Dubai Br.) Claims Department PO Box : The H Hotel Complex, Trade Center First, 27th floor Dubai, United Arab Emirates Phone : Fax : TRAVEL PRODUCT FOR DNATA Page 1 of 47 Table of Benefits The following covers are provided for each insured person. It is important that you refer to the terms and conditions below for full details of cover. Benefit Schedule Travel Section : in USD Benefits Standard (Worldwide including USA / Canada) Comprehensive (Worldwide including USA / Canada) Excess A. Trip Cancellation and Curtailment A1. Trip Cancellation 1,500 15, A2. Trip Curtailment 1,500 15, B. Personal belongings and Travel Inconvenience B.1. Personal Baggage 1,000 5, Pair or set of items Limit 250 1,250 Valuables Limit 250 1,750 B2. Delayed Baggage $50/hour up to $ per hour, up to 4 hours 1,500 B3. Personal Money $250 1, B4. Loss of Passport and Travel Documents 450 1, B.5. Travel Delay and Abandonment 50 per hour, up to 4 hours $50/hour up to $250 1,250 B.6. Missed Departure 2,000 Nil 500 B.7. Hijack and Kidnap $250 / day up to $1, per 24 hours, up to hours C. Medical and other expenses C.1. Emergency Medical Expenses 100,000 2,000,000 Nil C.1.3. Emergency Medical Evacuation Included in Medical Expenses Included in Medical Expenses C.1.5 Repatriation of Remains 10,000 25,000 C.2 Hospital Daily Cash Benefit US$ 25/- a day maximum US$ 500/- US$ 100/- a day maximum US$ 2,500/- C.3. Pre-Travel Assistance Benefit Included Included C.4. During Travel Assistance Benefit Included Included C.5. Concierge Service Benefit Included Included 24x7 Worldwide Assistance Department Covered Covered D. Personal Accident TRAVEL PRODUCT FOR DNATA Page 2 of 47 Accidental Death 50,000 but for Insured below 16 and above 65, the limit is 5, ,000 but for Insured below 16and above 65, the limit is 20,000 Permanent Total Disability Loss of Limb or Sight / Permanent Partial Disability 50,000 but for Insured below 16 and above 65, the limit is 5,000 As per Percentage Scale based on the sum insured applicable for Accidental death, as above 100,000 but for Insured below 16and above 65, the limit is 10,000 As per Percentage Scale based on the sum insured applicable for Accidental death, as above Other E.1. Personal Liability 100,000 2,000,000 E.2. Legal Fees 10,000 25,000 E.3. Kennel / Cattery Fees Cover Not covered $75/day up to $ hours E. 4. Mugging cover up to 700 up to 1,000 E. 5. Home burglary 10,000 10, Optional covers F.1. Winter Sports Cover (Covered under Standard Plan if additional premium has been paid. Included without an additional premium under the Comprehensive Plan) - available to persons aged under 65 years a. Loss of Winter Sports Equipment 3,000 3, b. Ski Hire 50 per week / up to per week / up to 750 Nil c. Ski Pack d. Piste Closure 50 per day / up to per day / up to 500 Nil e. Avalanche and Landslide $75/day up to $500 $75/day up to $500 Nil F.2. Golf Cover (Covered under Standard Plan if additional premium has been paid. Included without an additional premium under the Comprehensive Plan) a. Golf Equipment 3,000 3, b. Golf Equipment Hire 85 per day / up to per day / up to 850 Nil c. Pre-paid Green Fees Nil d. Piste Closure 50 per day / up to per day / up to 500 e. Avalanche and Landslide $75/day up to $500 $75/day up to $500 Hazardous Sports as per Sports and Activities Listing under page 46 Covered under Standard Plan if additional premium has been paid. Included without an As above TRAVEL PRODUCT FOR DNATA Page 3 of 47 additional premium under the Comprehensive Plan F.3. Business Cover (Optional cover) a. Business Equipment 5,000 5, Pair or set of items Limit 50% 50% b. Loss of Business Money c. Business Equipment Hire 1,500 1,500 Nil d. Double Personal Accident Benefits 200, ,000 Nil F.4. Wedding Cover (Optional cover) a. Ceremonial Attire 3,500 3, b. Gifts 2,500 2, c. Wedding Ring 1,500 1,500 Nil d. Photography / video recordings 1,500 1,500 Nil F.5. Air Space Closure Cover (Optional cover) a. Cancellation 6,000 6, hours b. Additional expense if you are stranded at the point of departure 150 each 24 hours 150 each 24 hours 24 hours c. Additional costs to reach your destination hours d. Additional expense if you are stranded on an international connection 200 each 24 period you are delayed up to a maximum of each 24 period you are delayed up to a maximum of hours e. Additional expense if you are stranded on your return journey 200 each 24 period you are delayed up to a maximum of each 24 period you are delayed up to a maximum of hours f. Additional travel expense to get you home 2, hours g. Additional car parking costs h. Additional kennel or cattery fees 50 each 24 hour period you are delayed up to a maximum of each 24 hour period you are delayed up to a maximum of each 24 hour period you are delayed up to a maximum of each 24 hour period you are delayed up to a maximum of hours 24 hours When claiming under certain sections listed in the table above, you have to pay the first part of a claim. The excess will apply to each person claiming and to each incident and to each section of the policy. Collision Damage Excess Waiver : Collision Damage Waiver And Supplemental Liability Sum Insured Standard Plan (Worldwide including USA / Canada) WW incl. US/CA Comprehensive Plan WW excl. US/CA Europe MENA $300 $500 $300 $300 $300 TRAVEL PRODUCT FOR DNATA Page 4 of 47 GENERAL INFORMATION ABOUT THIS INSURANCE Insurance providers This insurance is underwritten by American Home Assurance Company (Dubai Br.) Your travel insurance This policy wording along with your policy schedule forms the basis of your contract of insurance. Together, these documents explain what you are covered for. The policy wording contains conditions and exclusions which you should be aware of. You must keep to all the terms and conditions of the insurance, otherwise any claims you make may not be paid. Please read this policy wording to make sure that the cover meets your needs and please check the details outlined within your policy schedule to make sure that the information shown is correct. Law This insurance will be governed by the law of the United Arab Emirates unless we agree otherwise prior to the insurance starting. Any dispute will be subject to the jurisdiction of the competent courts of Dubai. Data Disclosure By entering into this contract of Insurance, the Insured person consents to us processing data relating to the Insured person for providing insurance products and services, legal, administrative and management purposes and in particular to the processing of any sensitive personal data relating to the Insured person including race, religion, marital status etc. The Insured person consents to us making such information available to third parties including but not limited to any Group Company of AIG, those who provide products or services to us or any Group Company of AIG, and regulatory authorities, within and outside Insured s country of domicile. To review our privacy policy, go to Sanctions Exclusions We will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any law or regulation concerning sanctions which would expose Us, our parent company or our ultimate controlling entity to any penalty under such applicable law. If you have any questions If you have any questions about the cover provided under this policy or you would like more information, please contact assistance department on 44 (0) or Arabic speaking clients may also contact assistance department on or Please note this is for customer service only. Claims are to be submitted according to the information provided in the Important Claim Information section below. IMPORTANT THINGS YOU NEED TO KNOW ABOUT YOUR POLICY BEFORE YOU TRAVEL Health conditions TRAVEL PRODUCT FOR DNATA Page 5 of 47 This policy contains conditions relating to your health, the health of people traveling with you. In particular, we do not cover medical conditions which you or they had before the cover incepted. If there is a change in the state of health of yourself, and/ or anyone traveling with you, please contact the assistance department on 44 (0) immediately. By declaring details of the change in health, this will enable us to decide whether we can continue to provide cover for your change in circumstances under the existing terms of the policy. We have the right to add further terms and conditions to your policy or exclude cover for the newly diagnosed condition. If we are no longer able to provide cover for the newly diagnosed condition, you will be entitled to make a cancellation claim or if you do not wish to cancel your trip you will be entitled to cancel your policy. Provided you have not traveled or made a claim we will refund your premium in its entirety. This policy does not cover medical conditions relating to the health of a relative or a business associate if you are aware of circumstances in relation to their health at the time of taking out the policy that are likely to make cancellation of your trip necessary. Sports and activities See page 37 for a full listing of activities and the level of cover that is available. COVER OPTIONS AVAILABLE Trip options and durations Single Trip This gives you cover to travel whether by sea, air or land from and return to your country of residence during the period of insurance shown in your Policy Schedule. Cover ends when you return to your home in your country of residence. Cover cannot be incepted after a trip has commenced. Annual Multi-Trip This gives you cover to travel whether by sea, air or land as many times as you like within the period of insurance provided no single trip lasts longer than 31 days (cover is also provided for up to 17 days in total for winter sports, within the period of insurance). Adults are entitled to travel independently. Children under 18 years of age are only entitled to travel separately to the main insured person if they are travelling with a relative, guardian or person with a legal duty of care except where travelling as an unaccompanied minor in the custody of an airline. One way trips Cover for one way trips ends 5 days after your arrival at your final destination outside of your country of residence. Policy options Individual: One person aged between 18 and 75 at the time of taking out this insurance. Family: An individual and/or his or her spouse and their children (unlimited number of children) up to 18 years of age at the date of buying this policy. TRAVEL PRODUCT FOR DNATA Page 6 of 47 Period of Insurance The period shown under your Policy Schedule. Cover under section A (Cancelling your trip) starts at the time you book the trip or pay the insurance premium, whichever is later. If you have arranged an Annual Multi-Trip policy, cover under section A (Cancelling your trip) starts at the time that you book the trip or the start date shown on your policy schedule, whichever is later. For both types of policy cover under section A (Cancelling your trip) ends as soon as you start your trip. Cover under all other sections starts when you leave your home address in your country of residence or from the start date shown on your policy schedule, whichever is the later. Cover ends when you return to your home address in your country of residence or at the end of the period shown on your policy schedule, whichever is earlier. Cover cannot start after you departed on your trip. Unless you have bought a One-Way policy, each trip must begin and end in your country of residence. Trip extensions If, due to unexpected circumstances beyond your control which fall within the terms and conditions of this cover, your trip cannot be completed within the period of insurance outlined in your policy schedule, cover will be extended for you at no extra cost for up to 30 days. This also applies to one person travelling with you who is authorized to stay with you by Travel Guard if the extension is due to medical reasons. All requests for more than 30 days must be authorized by the assistance department. IMPORTANT CLAIM INFORMATION Medical and other emergencies The assistance department will provide immediate help if you are ill, injured or die during the trip. They provide a 24-hour emergency service 365 days a year. The contact details are as follows: Phone: 44 (0) Fax: 44 (0) Please have the following information available when you contact the assistance department so that your case can be dealt with swiftly and efficiently: Your name and address; Your contact phone number abroad; Your policy number shown on your policy schedule; and The name, address and contact phone number of your General Practitioner Please note: This is not a private medical insurance. If you go into hospital abroad and you are likely to be kept as an inpatient for more than 24 hours or if your outpatient treatment is likely TRAVEL PRODUCT FOR DNATA Page 7 of 47 to cost more than $500, someone must contact the assistance department for you immediately. If they do not, we may provide no cover or we may reduce the amount we pay for medical expenses. If you have to return to your country of residence under section B (Cutting your trip short) or section E1 (Medical and other expenses) the assistance department, Travel Guard Assistance Services, must authorize this. If they do not, we may provide no cover or we may reduce the amount we pay for your return to your country of residence. If at the time of purchasing this policy your country of residence is not the same as your country of citizenship, for example, you are working on a temporary visa, and do not have automatic rights to re-enter your country of residence, we draw your attention to the following: (1) In the event of your illness or injury resulting in a valid claim under Section C Medical and other expenses, we reserve the right to move you to another medical facility. Also, once the assistance department has determined you are able to be moved, they will arrange necessary and reasonable transportation and decide if the final destination is your country of residence or your country of citizenship. Cover and liability ends under all sections of this policy once you have reached your first destination address in either your country of residence or your country of citizenship. You must follow the assistance departments instructions at all times. All decisions as to the means of transportation and the final destination shall be made by the assistance department. (2) If you are on a trip to your country of citizenship and once you are deemed fit by us or our assistance department to travel, any costs are not covered if you refuse to leave your country of citizenship or if you are refused admittance back to your country of residence. If you need to make a claim You must register a claim by contacting the following company: American Home Assurance Company (Dubai Br.) Claims Department PO Box The H Hotel Complex, Trade Center First, 27th floor Dubai, United Arab Emirates Phone: Fax: Please note: All claims must be notified as soon as it is reasonably practical after the event which causes the claim. If our position is prejudiced by the late notification of a claim then this may affect our acceptance of a claim. The claims department is open Sunday to Thursday between 9am to 5pm. A claim form will be sent to you as soon as you tell them about your claim. To help us prevent fraudulent claims, we store your personal details on computer and we may transfer them to a centralized system. We keep this information in line with the conditions of the Data Protection Act. TRAVEL PRODUCT FOR DNATA Page 8 of 47 Fraud This contract of insurance is based on mutual trust. We provide cover and we assume that any claims you make are genuine. Our experience in handling claims enables us to detect many of those which are fraudulent and this includes those which are exaggerated. We investigate every claim and if we believe that a fraudulent claim is being made we will inform the police. This may result in criminal prosecution. Customer service Every effort is made to ensure you receive a high standard of service. If you are not satisfied with the service you have received, please contact: The Customer Care Manager Assistance Department PO Box 2157 Shoreham by Sea West Sussex BN43 9DH Phone: 44 (0) To help us deal with your comments quickly, please quote your policy schedule/claim number and the policyholder/insured person s name. We will do our best to resolve any difficulty directly with you. GENERAL DEFINITIONS Wherever the following words or phrases appear in the policy wording they will always have the meanings shown under them: Air space closure / closure of air space: A recommendation or order by any government or travel authority to close air space. Business associate: Any person you conduct business with and who, if you were both away from work at the same time, would prevent the business from running properly. Child/children: A dependent child or a grandchild (including adopted or foster children) of the policyholder or the policyholder s spouse who is under 18 years of age at the date of buying this policy. Country of residence: shall mean the country where you are living or located or working at the time of purchasing this policy. Country of citizenship: shall mean the country where you are a citizen or a permanent resident with full rights of entry and return regardless of your medical status. Home: Your usual place of residence within your country of residence Insured person: The person or persons shown on the policy schedule. Manual labour: Work involving physical labour, for example, but not limited to, construction, installation and assembly. This does not include bar and restaurant staff, music and singing, or fruit picking (not involving machinery). Money shall mean coins and banknotes, foreign currency, travelers cheques, or any other instruments with a monetary value. Pair or set of items: A number of items associated as being similar or complementary or used together. TRAVEL PRODUCT FOR DNATA Page 9 of 47 Spouse: A legally married spouse. Policy schedule: The document showing the names and other details of all the people insured under this policy and any special conditions that apply. Pre-existing medical condition: A condition for which care, treatment, or advice was recommended by or received from a Physician or which was first manifested or contracted within a period up to 12 months preceding the Insured Person s Effective Date of coverage. Relative: Your spouse and your or your spouse s parent, brother, sister, son, daughter, grandparent, grandchild, stepparent, stepchild, stepbrother, stepsister or next of kin, mother-inlaw, father-in-law, daughter-in-law, son-in-law, brother-in-law, sister-in-law or the fiancé(e) of a person insured under this Policy. Trip: Your holiday or journey starting from the time that you leave your home in your country of residence or from the start date shown on your policy schedule, whichever is the later, to travel outside of your country of residence until arrival back to your home address in your country of residence. Valuables: Photographic, audio, video and electrical equipment (including cds, dvds, video and audio tapes and electronic games), MP3 players, computer equipment, binoculars, antiques, jewellery, watches, furs, silks, precious stones and articles made of or containing gold, silver or precious metals. War: War, whether declared or not, or any warlike activities, including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or othe
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