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Designed For:
Travellers taking extended trips abroad of up to 18 months.

Key Features (see the Sales Leaflet for further details):

• Two levels of cover to choose from – you can choose ‘Backpacker’ or ‘Longstay’ cover. Recognising that backpackers only require essential covers, ‘Backpacker’ provides cover for cancellation/curtailment, personal possessions, emergency medical expenses, personal liability and personal accident. ‘Longstay’ provides higher limits and additional cover for departure delay, missed departure, possessions delayed in transit, personal money & travel documents and legal advice & expenses.

• Return home at no extra charge! – for those wishing to break their trip midway, the insured can return home, say, at Christmas or Easter. The policy provides cover for up to two trips home (maximum 21 days per trip) during the policy period.

• Automatic ‘Stop-Over’ cover – cover is automatically provided for ‘stop-overs’ of up to 7 days maximum in a higher rated area e.g. travelling to New Zealand via the USA. This can be extended to a maximum of 31 days on payment of an additional premium.

• Wide range of activities included - a wide range of activities are automatically covered under both Longstay and Backpacker including: amateur non-contact sports, bungee jumping, canoeing/kayaking (not white water), rafting (including white water), overland trips, sub-aqua to 9 metres, trekking below 5,000 metres, winter sports (excluding bobsleigh, skeleton/cresta, ski touring, stunting/freestyle/acrobatics/jumping) and work abroad not involving heavy equipment, heights in excess of 9 metres, working underground or special exposure to risk. Additional activities may be covered on payment of an additional premium.

• Excess waiver option – for a single additional premium the standard claims excess can be deleted (this will not apply to any additional excess imposed following a call to Travellers HealthCheck).

• 5% discount for deleting personal possessions cover – if you have alternative cover for your personal possessions e.g. under your household insurance, a discount of 5% is available for deleting this cover under both ‘Longstay’ and ‘Backpacker’.

• 24-hour emergency medical assistance – a 24 hours a day, 7 days a week, 365 days a year Emergency Medical Helpline is provided for assistance in the event of a medical emergency abroad.

Eligibility:
Available to UK and Channel Islands residents, who have not spent more than six months abroad in the last twelve months.

Age limits:
Longstay – Up to age 75 if travelling to European, Australia and New Zealand destinations.
Longstay – Up to age 69 if travelling to Worldwide destinations.
Backpacker – Up to age 39.

Trip duration limits:
Periods from 1 month up to a maximum trip duration of 18 months.

Pre-existing medical conditions:
This policy may not provide cover for re-occurring or pre-existing medical conditions; however some cover may be available by contacting Travellers HealthCheck. See page 5 of the Policy Wording for further details.

Underwritten by:
Union Reiseversicherung AG and administered in the UK by Travel Insurance Facilities plc.

Premiums:
Premiums, which include Insurance Premium Tax, are shown in the Sales Leaflet. Example premiums (based on an individual aged 16-39):

• 6 months Europe (Backpacker) £55

• 6 months Europe (Longstay) £90

• 12 months Worldwide (Backpacker) £247

• 12 months Worldwide (Longstay) £420

How to apply:
To obtain cover, please complete the Application Form and return it, with your payment, to the issuing Broker or Agent, or direct to
P J Hayman & Company Limited, Stansted House, Rowlands Castle, Hampshire PO9 6DX. Alternatively, contact us on
0845 230 3526 (or 0845 230 0631 for direct customers).