Oyster Worldwide Ltd - Travel Insurance 

Oyster Worldwide Ltd  is an Introducer Appointed Representative of Global Travel Insurance Services Ltd who is authorised and regulated by the Financial Conduct Authority (firm reference 305686) being permitted to advise and arrange general insurance contracts.   Our status can be checked on the Financial Conduct Authority Register by visiting www.fca.org.uk or calling 0845 606 9966.I
f you have any questions about this insurance product, please call Global Travel Insurance and not Oyster. GTI’s number is 01903 235042.
 

Here are a few important key reasons why this policy is offered to you

  • The Cancellation cover is adequate to meet cancellation charges levied up to the full amount of our Projects. Other insurance products may not provide adequate cover in this respect.
  • This product covers all of the work involved in all work placements provided by Oyster Worldwide, other products may not.
  • A wide range of sports and other activities are covered as standard; others can be covered for an additional premium.
  • The policy may be extended during the trip with the underwriters agreement. Any request should be made to Global Travel Insurance no later than 14 days prior to expiry so that we can liaise with the underwriters on your behalf.
 

This insurance is underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting: https://register.fca.org.uk.  ERGO Travel Insurance Services Ltd (ETI) is registered in England and Wales, company number 11091555. Authorised and regulated by the FCA, register number 805870 and registered office: 10 Fenchurch Avenue, London, EC3M 5BN.

Remuneration Statement

The Premiums paid include a commission, the value of which may vary and is deducted by us from the amount that you pay before the balance is paid to the insurance company.

 

DEMANDS AND NEEDS

This insurance policy will suit the demands and needs of an individual or group (where applicable) who have no excluded pre-existing medical conditions, are travelling in countries included within the policy terms and who wish to insure themselves against unforeseen events detailed in the cover section below. Subject to the terms, conditions and maximum specified sums insured.

IMPORTANT: We will not provide you with advice about the suitability of this product for your individual needs but will be happy to provide you with factual information. We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Document, Table of Benefits and Insurance Product Information Document (IPID), copies of which will be sent to you with your policy documents. In any event you may ask for specimen copies of the policy wording should you wish to examine this in advance.

 

COOLING OFF PERIOD

Once purchased you may tell us if your policy does not meet your requirements. If you cancel within 14-days of the receipt of your documentation and you have not started a trip or made or intend to make a claim, we will give you a full refund. Following this 14-days period, you continue to have the right to cancel your policy at any time by contacting us. If the notice of cancellation is received outside of the 14-days cooling-off period, no premium will be refunded.

 

RESIDENCY

The cover under this policy is only available to United Kingdom residents being defined as: Any person who has an address in the United Kingdom, has lived in the United Kingdom for at least 6 of the last 12 months, and is registered with a General Practitioner in the United Kingdom.

 

HEALTH CONDITIONS

This Policy may not provide cover for Pre-existing Medical Conditions, so it is important that you review and respond to the questions below in order to have the full protection of Your Policy. If You do not take the appropriate action, or if You withhold information which We should reasonably be made aware of when considering the provision of cover, then Your Policy may be cancelled, or Your claim rejected or not fully paid.

 

If You are travelling within the United Kingdom or Europe

Please consider the following questions in relation to You, anyone to be covered by this Policy, or any Colleague:

  1. Are You aware of any reason why Your trip could be cancelled or cut short, such as Your health or the health of a Relative or Colleague or someone with whom You are going to travel or stay
  2. Are You travelling: (a) against the advice of a Medical Practitioner, or (b) for the purpose of obtaining medical treatment?
  3. Have You been given a terminal prognosis?
  4. Are You receiving or awaiting investigation or treatment for any Bodily Injury, Illness or disease as a hospital day case or in-patient or have an undiagnosed condition or set of symptoms?

If You answer YES to any of the above 4 questions, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid.  Please contact Global Travel Insurance to discuss this further.

If You answer NO to the above 4 questions, then please also proceed to questions 5 and 6 below to complete the assessment.

  1. If You are on prescribed medication, are Your medical condition(s) stable and well controlled?
  2. If You suffer from stress, anxiety, depression or any other mental or nervous disorder, have You received written confirmation (at Your cost) that You are fit enough to take this trip by either: (a) Your GP, or (b) a registered mental health professional (e.g. If You are under the care of a Community Mental Health Team), or (c) a consultant specialising in the relevant field?

If You answer YES to question 5 and 6 above, then You do not need to contact Us with details of Your Pre-existing Medical Conditions, and Your insurance Policy’s standard terms, conditions and exclusions will apply.

If You answer NO to question 5 or 6 above, then Your Pre-existing Medical Conditions will not be covered by this Policy and We are unable to extend the cover to do so. If You are within Your 14 day cooling off period and You decide this Policy is no longer suitable for Your needs, You may be entitled to a full refund of the premium paid. Please contact Global Travel Insurance to discuss this further.

 

If You are travelling outside of the United Kingdom or Europe

Please consider the following questions in relation to You, anyone to be covered by this Policy, or any Colleague:

  1. Have You had a medical condition that You presented to Your GP or other medical professional within the last 12 months?
  2. Are You taking prescribed medication?
  3. Do You have, or have You had any medical condition that is still requiring periodic review?
  4. Are You awaiting any tests, treatment, investigation, referral or the results of these or have an undiagnosed condition or set of symptoms?

If You answer YES to any of the above 4 questions, please contact MediScreen on 0344 892 1698 to discuss extending cover for Your health conditions. If We can extend cover, We may charge an additional premium for doing so. Your Pre-existing Medical Conditions will not be covered, unless You tell Us about them and We accept them in writing, and Your Policy may be cancelled, or Your claim rejected or not fully paid. Mediscreen’s office hours are 9am to 5pm Monday to Thursday and 9am to 4pm Friday excluding Bank Holidays.

Important note: this applies to all destinations, excluding trips solely within the United Kingdom.

You must also notify MediScreen immediately on 0344 892 1698 if there is any change in Your medical circumstances between the date You first purchased Your insurance Policy and the date Your holiday is due to begin. If You do not take the appropriate action, or if You withhold information which We should reasonably be made aware of when considering the provision of cover, then Your Policy may be cancelled, or Your claim rejected or not fully paid. If We can extend cover, We may charge an additional premium for doing so.

If Your trip is solely within the United Kingdom then You must obtain a letter from Your Medical Practitioner confirming that You are fit enough to take the trip. Failure to do so may invalidate Your Policy.  You must also tell Us as soon as reasonably possible if You are no longer a resident in the United Kingdom.

There are also some main health exclusions that apply to all persons as follows:

  1. Where you (or any person upon whose health the trip depends) have or have had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, unless we have agreed in writing to cover you.
  2. Any terminal illness suffered by you (or any person upon whose health the trip depends).
  3. Any medical condition for which you (or any person upon whose health the trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed with a medical condition or have been admitted or undergone a procedure/ intervention.
  4. Any claims on medical grounds where you fail to provide a medical certificate or other suitable evidence from a medical practitioner of the need to cancel the trip.
  5. Claims where you have not had the recommended inoculations, vaccines (including COVID-19 where it has been offered to you) or medications relating to your destination prior to your trip.

This policy is only available to residents of the United Kingdom. The definition of residents of the United Kingdom is any person who is staying in or has lived in the United Kingdom for more than 12-months, or if studying or working in the United Kingdom for more than 6-months.

 

PRODUCT DETAILS

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. A summary of the cover is detailed below. Full details of the key benefits, conditions and exclusions will be included in the Policy Documents, Table of Benefits and Insurance Product Information Document (IPID), copies of which are available by clicking on the following links.

 

Section and Cover

Limits

Excess

1 - Cancellation

£7,000

£50

2 – Personal accident

Up to £15,000

No excess

3 – Medical and other expenses including curtailment

Up to £5,000,000

£50 for Curtailment

No excess all other claims under this Section

4 – Hospital benefit

Up to £300 

No excess

5 – Personal property

Up to £2,000

£50

6 – Loss of passport expenses

Up to £200

No excess

7 – Personal liability

Up to £2,000,000

£250

8 – Travel disruption

Up to £500

No excess

9 - Missed departure on the outward journey

Up to £800 

10 – Winter sports equipment

Up to £500

£50

11 – COVID-19 cover

Up to £7,000 Cancellation & Curtailment

Up to £1,000,000 Emergency Medical & Repatriation Expenses

£50 Cancellation & Curtailment

Nil Emergency Medical & Repatriation Expenses