MEAD Travel plus
Comprehensive Travel insurance
FREQUENTLY ASKED QUESTIONS ABOUT TRAVEL INSURANCE
Q. Why do I need MEAD Travel plus insurance?
A. MEAD travel insurance provides extensive benefits at highly competitive rates. In addition extra cover is provided for sporting and leisure equipment (subject to application). As an example, most policies have a limit on baggage, which in the event of a loss, may cover the cost of replacing your personal effects but rarely would also cover the cost of replacing your lost sporting equipment or specialised clothing.
Q. Would MEAD Travel plus insurance cover you Worldwide?
A. MEAD Travel plus offers you the opportunity to select cover in Europe, Worldwide excluding the USA and Canada or Worldwide including the USA and Canada.
Q. Can I arrange an annual policy?
A. We offer cover for short holidays and annual cover for the more frequent traveller either in Europe or Worldwide including or excluding the USA and Canada. The maximum duration of any one trip, under an annual policy, is 60 days but there is no restriction in the number of trips in any one year.
Q. Can you advise me regarding Medical Conditions?
A. The basis on which this insurance will be arranged is that all persons to be insured are healthy, fit to travel to undertake the trip, will not be travelling against the advice of a medical practitioner, have not received a terminal prognosis from a medical practitioner and will not be travelling with the intention of obtaining medical treatment abroad
This insurance will exclude any claim arising from any medical condition (or tests or investigations that are ongoing) which existed prior to the trip, unless the condition has been declared to and accepted by Equity Red Star Medical Underwriters.
However if any person upon whose health the trip may depend has one (and only one) medical condition and is listed below, cover is provided. However should a claim arise from that condition, the persons doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why the insured person should need to claim on this policy.
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Acid reflux
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Eczema
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Acne
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Glaucoma
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Arthritis
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Gout
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Asthma (if well controlled by using inhalers only)
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Hay-fever
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Benign lumps
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Hernia
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Blindness
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Hypertension (high blood pressure)*
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Cataracts
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Hyperthyroidism (overactive thyroid)
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Cholesterol (if well controlled)
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Hypothyroidism (underactive thyroid)
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Colds/Flu that have required medical attention
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Irritable Bowel Syndrome
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Deafness
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Meniere's disease
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Dermatisis
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Migraine
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Diabetes (if well controlled and no associated conditions e.g. glaucoma or other eye problems, kidney problems or peripheral vascular disease)
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Varicose Veins
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Dyspepsia
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*Hypertension will be covered provided that there has been no change to an insured person's medication in the last six months and they have not been admitted to hospital in the last twelve months
If you or any person upon whose health the trip may depend has more than one of these medical conditions or any other condition you must contact the Equity Red Star Medical Helpline
whose contact details can be found on the Application Form
to check if cover can be provided.
Medical Screening must be completed for each person
who suffers from chronic disease(s) or any non-stabilised medical condition
Cover will granted subject to assessment of the medical information supplied and is subject to written acceptance
Q. Do you provide cover for a family?
A. Yes we can provide cover for a family. The annual cover for families offers extremely good value and also includes cover for school trips,
Q. Can I arrange cover for a Winter sports holiday?
A. MEAD Travel plus can provide cover for a Winter Sports holiday anywhere in the world for those under the age of 65 years. Alternatively annual cover can be arranged to include 17 days Winter Sports cover at a very competitive premium.
Q. Are premiums quoted per person for Single Trips?
A. Yes - the premiums quoted are per person and include Government Insurance Premium Tax (IPT) of 17.5%
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