International travel insurance / travel cover - seguro de viajes internacional

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 sets out the cover we provide for certain personal legal responsibilities you may have.

What is covered:

Your legal responsibility to pay damages and costs to others which are the result of:

13.1 accidental death or physical injury to anyone during a trip; and/or

13.2 accidental loss of or damage to property during a trip.

The most we will pay for any single event occurring during the insurance period is £2,000,000 in total for each person insured under the policy per trip.

If you die, this cover is transferred to your legal personal representative provided that the representative follows the terms and conditions of the policy as far as they can.

What is not covered:

a) Accidental death of or physical injury to you or any of your family.

b) Anything belonging to you, or anything for which you or any of your family or anyone employed by you or any of your family or anyone living with you is responsible.

c) Any responsibility resulting from your employment, trade, profession, business or gainful occupation or the trade, business, profession or gainful employment of any of your family.

d) Any responsibility as an employer to anyone employed by you or any of your family in any trade, business or profession.

e) Any agreement or contract which adds any responsibility which would not have existed otherwise.

f) Any responsibility resulting from your or any of your family owning or using:

aircraft, horse-drawn vehicles, motorised or mechanically propelled, assisted vehicles or towed vehicles, boats (other than rowing boats, punts and canoes), jet skis, jet bikes or wet bikes, animals (other than horses, domestic dogs or cats), firearms (other than sporting guns).

g) Any responsibility resulting from wilful or malicious acts by you

h) Accidental injury or loss which has not been caused by your negligence.

i) Any claim for personal legal responsibility which is covered by any other insurance held by you.

j) The occupation, except temporarily for the purposes of the trip, or ownership of any land or building.

k) Any responsibility incurred in the country of departure.

l) Any responsibility incurred in the United States of America and / or Canada by a National of either of these countries.

About your policy, including:	Your Policy and schedule.
	How to make a claim
Policy information including:	Words with special meanings
	Geographical areas
	Activities covered by this policy
	Conditions and exclusions
	Complaints procedure
Section 1	Personal assistance service
Section 2	Medical emergency and other related expenses
Section 3	Hospital daily benefit
Section 4	Emergency return home
Section 5	Legal protection
Section 6	Personal accident
Section 7	Cancellation or cutting short the trip
Section 8	Missed departure & travel assistance
Section 9	Personal baggage
Section 10	Baggage delay
Section 11	Money & passport
Section 12	Travel delay
Section 14	Changes in cover if you have chosen Ski TravelCover, Premier Annual TravelCover or Gold Annual TravelCover
Section 15	Changes in cover if you have chosen and paid for Gold TravelCover

Agent assistance - Contact me!	Annual multi-trip cover (BUPA Worldwide annual cover)	Important notes
Main cover details	Policy exclusions	Single trip travel insurance
Travel Insurance Supplement Scheme (if you already have international private medical cover - and don't want to pay twice for medical care!)	Useful links and definitions (International travel insurance)

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