Oyster Worldwide Ltd - Travel Insurance

We continue to work with Global Travel Insurance Services Ltd to arrange a travel insurance policy specially designed with our projects in mind.

We summarise below the details of the insurance cover provided which also includes 24-hour emergency service from Towergate Assistance. The following is a brief summary of the cover available. Full details of the cover, conditions and exclusions will be forwarded with your confirmation of booking. In any event you may ask for a specimen copy of the policy wording before booking should you wish to examine this in advance.

 

 

 

Demands and Needs

This product is designed to meet the demands and needs of those who wish to ensure that they are financially protected in the event of medical emergencies, delayed departures, cancellation and curtailment, lost, stolen or delayed possessions, personal liability, loss of travel money and passport and legal expenses when travelling and if chosen, optional cover can be included if applicable. The levels of cover may vary depending on which options you choose and where you travel to.

This insurance is suitable for persons whose  –

1. Individual round trip starts and finishes in the UK and is of no more than 365 days duration.
2. Age is 65 years or less and is a permanent resident of the United Kingdom.

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.
  
  

Cover is provided for some sports and other activities as may be included within the work programme or made available during leisure time. Please see the policy for full details of what is included.  If you intend to take part in independently arranged activities outside of the work programme you must contact Global Travel Insurance who will be able to assist you.  

Section and Cover	Limits	Excess
1 - Cancellation	£7,000	£50
2 – Personal accident	£10,000 Death £15,000 Loss of Limb(s) and / or Sight in One / Both Eyes £15,000 Permanent Total Disablement	No excess
3 – Medical and other expenses including curtailment	£5,000,000 in all, sub-limited to: £250 Emergency Pain Relief Dental Treatment £2,500 Additional Accommodation & Repatriation / Travel Expenses (United Kingdom £2,500 Local Funeral Expenses (Isle of Man, Channel Islands, Europe & Worldwide) £100 Essential Taxi Fares & Telephone Calls £7,000 Curtailment £50 per completed 24-hours up to £500 Mugging Benefit	£50 for Curtailment No excess all other claims under this Section
4 – Hospital benefit	£10 per completed 24-hours up to £100 (United Kingdom) £15 per completed 24-hours up to £300 (Isle of Man, Channel Islands, Europe & Worldwide)	No excess
5 – Personal property	£2,000 in all, sub-limited as follows: £200 Single Article Limit £200 Valuables £500 (£250 Actual Cash, reduced to £50 for children under 16-years at the time of the incident) Personal Money £100 after a completed 12-hours delay	£50 No excess for children Personal Money & Delayed Luggage
6 – Loss of passport expenses	£200	No excess
7 – Personal liability	£2,000,000	£250
8 – Travel disruption	£500	No excess
9 - Missed departure on the outward journey	£200 within the United Kingdom and £800 outside of the United Kingdom
10 – Winter sports equipment	£500 in all, sub-limited as follows: £350 Single Article Limit £200 Hired Equipment	£50
11 – COVID-19 cover	£7,000 Cancellation £7,000 Curtailment £1,000,000 Emergency Medical & Repatriation Expenses outside of the United Kingdom, sub-limited to: £30 per 24-hours up to £300 for confinement to holiday accommodation	£50 Cancellation £50 Curtailment Nil Emergency Medical & Repatriation Expenses

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.

5. If You are on prescribed medication, are Your medical condition(s) stable and well controlled?
6. 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.

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.

 

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.