since 11/2000
boat and golf insurance in Spain
Commercial Premises insurance - Spain
Community Insurance 'Comunidad' - Spain
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English insurance agent in Spain
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international health, medical and travel insurance cover
international travel insurance
Maritime plan - international health cover (crew only)
Oil and Gas Industry - health insurance
Patrocinadores - América Latina y el Caribe
Teachers - international health cover (Spain)
traducciones juradas (sworn translations)
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International Travel Insurance - Policy wording:
For residents of all countries outside the UK, USA and Canada
Main terms and conditions ( BUPA travel insurance )
Section 8 - Missed departure and travel assistance
This section does not apply if you have chosen Essential TravelCover. Cover will apply if you have chosen Premier, Gold or Ski TravelCover if the appropriate premium has been paid.
This section of the policy explains the services and benefits we provide to you during your trip abroad.
What is covered:
8.1 Additional costs you have to pay when you travel to your international departure point.
If you leave your home and you have taken every reasonable step to ensure you get there on time but you are still delayed on your way to your international departure airport, port or rail terminal because of the:
* failure of public transport;
* the immobilisation of the vehicle in which you are travelling.
We will help you to get to your international departure point by:
* liaising with your carrier and / or tour operator to advise them of your late arrival;
* arranging alternative transport;
* arranging emergency local help including towing your vehicle to the nearest garage; and
If you arrive too late to begin your outward journey we will help you to get to your pre-booked destination by:
* liasing with your carrier and / or tour operator to advise them of your late arrival;
* arranging for reasonable overnight hotel accommodation and reasonable alternative international travel to your pre-booked destination by the most direct alternative route.
The most we will pay for each person insured under this policy is:
* £500 per trip for travel to the European area;
* £1,000 per trip for travel to a country outside the European area;
8.2 Additional costs you have to pay when you travel home from your international arrival point. If you are delayed on your way back to your international arrival point in your country of departure and you miss a travel connection we will:
* liaise with your onward carrier to advise them of your late arrival;
* make alternative travel arrangements to get you home from the international arrival point if necessary.
If, when you arrive back in your country of departure, you cannot continue your journey because of:
* failure of public transport;
* the immobilisation or loss of the vehicle in which you were to travel,
we will help you get home, where necessary, by:
* arranging emergency local assistance;
* arranging for the recovery of your vehicle and passengers to your home; or
* providing alternative transport; or
* providing overnight hotel accommodation while your vehicle is repaired.
The most we will pay under section 8.2 of this policy is £300 for each person insured under the policy per trip.
What is not covered:
a) Additional costs which are not directly related to you travelling to your international departure point or your home.
b) The cost of all repairs and towing charges and the cost of roadside assistance charges over 1 hour following the immobilisation of your vehicle
c) Delays caused by strike or industrial action which had started or for which a start date had been announced before you made your travel arrangements for your trip
d) Delays caused by the withdrawal from service of any aircraft, sea vessel or train on the orders or recommendation of the regulatory authority in any country
e) Additional costs where the scheduled public transport operator has offered reasonable alternative travel arrangements
f) Any claim where you have not obtained written confirmation from the carrier giving the period and reason for delay
g) Any claim for additional mechanical wear and tear or loss of value or for additional mileage charges other than for additional fuel and oil.
h) Any claim under this section if you have also claimed under 'Section 7 - Cancellation or cutting short the trip'