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Here are some key points about Royal Mail Travel Insurance:
What is Royal Mail Travel Insurance?
Royal Mail Travel Insurance is a travel insurance policy designed to provide protection for individuals and families while traveling abroad. The policy is underwritten by Allianz Insurance plc and is available to customers who purchase their travel insurance policy online.
What does Royal Mail Travel Insurance cover?
The policy covers a range of benefits, including:
- Medical expenses: Up to £10 million per person for medical treatment and hospital stays
- Repatriation: Up to £10 million per person for the cost of returning to the UK in the event of a medical emergency
- Cancellation or curtailment: Up to 100% of the holiday cost if you need to cancel or cut short your trip due to unforeseen circumstances
- Delayed or lost luggage: Up to £2,000 per person for delayed or lost luggage
- Travel disruption: Up to £5,000 per person for travel disruption, such as flight cancellations or delays
- Personal liability: Up to £1 million per person for personal liability claims
- Legal expenses: Up to £50,000 per person for legal expenses
What are the policy limits?
The policy limits vary depending on the level of cover you choose. The three levels of cover are:
- Bronze: £50,000 medical expenses, £2,000 luggage cover, and £1,000 travel disruption cover
- Silver: £100,000 medical expenses, £5,000 luggage cover, and £5,000 travel disruption cover
- Gold: £10 million medical expenses, £10,000 luggage cover, and £10,000 travel disruption cover
How do I purchase Royal Mail Travel Insurance?
You can purchase Royal Mail Travel Insurance online through the Royal Mail website. You'll need to provide some personal and travel details, including your name, date of birth, travel dates, and destination.
What are the benefits of purchasing Royal Mail Travel Insurance?
Some of the benefits of purchasing Royal Mail Travel Insurance include:
- Comprehensive cover for medical expenses, travel disruption, and other travel-related risks
- Flexibility to choose from three levels of cover to suit your needs and budget
- 24/7 emergency assistance and support
- No upper age limit for travel insurance
- No pre-existing medical condition exclusions for policies purchased within 14 days of booking your trip
What are the exclusions and limitations?
As with any travel insurance policy, there are some exclusions and limitations to be aware of. These include:
- Pre-existing medical conditions, unless you purchase a policy within 14 days of booking your trip
- Travel to certain high-risk countries or areas
- Participation in certain high-risk activities, such as extreme sports or adventure travel
- Failure to follow the policy's terms and conditions
It's always a good idea to carefully review the policy terms and conditions before purchasing travel insurance to ensure you understand what is and isn't covered.