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international health, medical and travel insurance cover
international travel insurance
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traducciones juradas (sworn translations)
www.e-healthinsuranceservices.com
International Travel Insurance - Policy wording:
For residents of all countries outside the UK, USA and Canada
Main terms and conditions ( BUPA travel insurance )
Section 13 - Personal legal responsibility
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.