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.   

Specifically covered are the following -

Short Expedition in Chile or Brazil;
Winter sports in Chile for the month of June;
Tanzania short Safari;
Himalayan short Trek including rafting.
Winter Sports in Canada Hotel Winter placements

If you intend to take part in independently arranged activities outside of the work programme you may select the relevant Activity Pack and pay the additional premium where required. 

Section and Cover



1 - Cancellation



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

£1,500 Additional Accommodation & Repatriation / Travel Expenses (United Kingdom

£2,500 Return to Home (United Kingdom)

£5,000 Return to Home (Isle of Man, Channel Islands, Europe & Worldwide)

£2,500 Local Funeral Expenses (Isle of Man, Channel Islands, Europe & Worldwide)

£100 Essential Taxi Fares & Telephone Calls

£5,000 Curtailment

£300 Additional Travel Expenses following Curtailment (United Kingdom)

£50 for Curtailment

4 – Hospital benefit

£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

£75 (after 12-hours delay) Delayed Luggage

£50 except for delayed baggage

6 – Loss of passport expenses


No excess

7 – Personal liability



8 – Travel disruption


No excess

9 – Winter sports equipment

£500 in all, sub-limited as follows:

£350 Single Article Limit

£200 Hired Equipment


10 – COVID-19 cover

£5,000 Cancellation

£5,000 Curtailment

£1,000,000 Emergency Medical & Repatriation Expenses (Isle of Man, Channel Islands, Europe & Worldwide), sub-limited to:

£30 per 24-hours up to £300 for confinement to holiday accommodation as order by relevant Govt authority following a COVID-19 diagnosis

£50 Cancellation

£50 Curtailment

Nil Emergency Medical & Repatriation Expenses

 If you are booking a trip with a value in excess of the £5,000 sum insured for Cancellation, we are able to offer a special Top Up insurance.  Please call for details.


A special feature of this policy is that you only need to declare your medical conditions if you are travelling to North America, Central America or the Caribbean.  If you are you will need to call Mediscreen on 0344 892 1698

Otherwise the Special Conditions of this policy are as follows:

  • No trip is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.
  • If your health changes after the start date of your policy you must contact the insurer to make sure that your cover is not affected.
  • If you have a medical condition, you must obtain at least verbal confirmation from your usual general medical practitioner that there is no reason why you should not travel.


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

  • 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.
  • Any terminal illness suffered by you (or any person upon whose health the trip depends).
  • 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.
  • 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.


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 is underwritten by ERGO Travel Insurance Services Ltd (ETI) on behalf of Great Lakes Insurance SE (GLISE). Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. ERGO Travel Insurance Services Ltd (ETI): 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. Details about the extent of GLISE’s authorisation and regulation by the PRA, and regulation by the FCA are available on request.