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We do not have any policy exclusions or small print that invalidates cover for travel to a country that is subject to a ‘do not travel advisory’ for either security concerns or COVID-19, such as amber or red travel watch lists See FAQ
BENEFIT table | |
Coverage | Policy Limit |
---|---|
Medical Expenses & Evacuation | EUR 500,000 |
- Medical Expenses | |
- Medical Evacuation & Repatriation Expenses | |
- Search & Rescue | EUR 25,000 |
- Funeral & Repatriation of Mortal Remains | |
- Emergency Travel Expenses (Accompanying Relative) | |
Personal Accident & Medical Expenses & Evacuation | EUR 250,000 |
- Accidental Death | |
- Permanent Total Disablement | |
- Loss of One or More Limb/s, Eye or Eyes | |
Temporary Total Disablement (TTD)* PTSD from | Max EUR 250 per |
Terrorism 50% of TTD | week max benefit |
period 26 weeks and | |
14 day waiting period | |
Max limit per person per event | EUR 1,000,000 |
Max limit per group |
EUR 15,000,000 |
* Cover only provided for trips of 6 months or longer.
Optional Coverage
Security Evacuation, Crisis & Kidnap Ransom Sections | |
---|---|
- Political and Natural Disaster Evacuation & Response | EUR 250,000 per event |
- Catastrophe Inconvenience | EUR 5,000 |
- Search & Rescue | EUR 25,000 |
- Terrorist Disruption Benefit | EUR 3,000 |
- Kidnap & Ransom Lump Sum Benefit | EUR 250,000 overall |
Max limit per group |
EUR 10,000,000 |
This document, the schedule, and any endorsement(s) attached form your insurance. This insurance sets out the conditions of the insurance between you and us. Please read the whole document carefully and keep it in a safe place.
Failure to comply with the above could adversely affect your insurance or any claim you make
In deciding to accept this insurance and in setting the terms and premium, we have relied on the information you have given us. You must take care when answering any questions, we ask by ensuring that all information provided is accurate and complete.
If we establish that you carelessly provided us with false or misleading information, it could adversely affect your insurance and any claim. For example, we may:
If you become aware that information you have given us is inaccurate or has changed, you must inform us or your broker, as appropriate, as soon as practicable.
When we are notified that information you previously provided is inaccurate, or of any changes to that information, we will tell you if this affects your insurance. For example we may amend the terms of your insurance or require you to pay more for your insurance or cancel your insurance in accordance with the “Cancelling this insurance” section below.
pIf you fail to notify us that information you have provided is inaccurate, or you fail to notify us of any changes, this insurance may become invalid and we may not pay your claim, or any payment could be reduced.
You can cancel this insurance at any time by writing to your broker.
We can cancel this insurance by giving you thirty (30) days’ notice in writing. We will only do this for a valid reason (examples of valid reasons are as follows):
This insurance has a cooling off period of fourteen (14) days from either:
If you cancel this insurance within the cooling off period then, provided you have not made a claim, we will refund in full any premium you have paid.
If this insurance is cancelled outside the cooling off period then, provided you have not made a claim, you will be entitled to a refund of any premium paid,subject to a deduction for any time for which you have been covered. This will be calculated on a proportional basis. For example, if you have been covered for six (6) months, the deduction for the time you have been covered will be half the annual premium.
If you cancel this insurance outside the cooling off period, we may charge additional administration fee, to cover the administrative cost of refunding the insurance premium.
If We pay any claim, in whole or in part, then no refund of premium will be allowed.
You and we are free to choose the law applicable to this insurance. Unless specifically agreed to the contrary this insurance will be governed by the laws of Guernsey and subject to the exclusive jurisdiction of the courts of Guernsey.
We will not make any payment under this section unless you are, prior to the inception date of this insurance, in good health and free from material physical or mental impairment or infirmity and have not suffered from any recurring illness. This warranty does not apply to any such medical condition disclosed in writing and agreed by us.
The Contracts (Rights of Third Parties) Act 1999 or any amendment thereto does not apply to this Policy. Only we and you can enforce the terms of this Policy. No other party may benefit from this contract as of right. The Policy may be varied or cancelled without the consent of any third party.
We shall not provide cover or pay or be liable for any claims or provide any benefit under this Policy if by providing any cover, paying any claims or providing any benefit under this Policy would expose us to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America
Cell Limitation Clause
The liability of Opportuna, acting in respect of the Cell, for any of its obligations under the Policy, is capped at and limited to the assets attributable to the Cell (as defined in the Law). Accordingly, the rights of the Insured under the Policy are limited solely to the assets attributable to the Cell and in no event shall there be any recourse to or liability on the part of (a) the cellular assets of other cells of Opportuna or (b) to the core assets of Opportuna (as defined in the Law). Opportuna has no obligation whatsoever to use any of its assets, other than the assets attributable to the Cell, to satisfy any claim or liability under the Policy. Furthermore, in the event that the assets attributable to the Cell are insufficient to fully discharge a claim under the Policy, the Insured will not be able to make or to join in making any application to any court for the winding up, administration or re-organisation of Opportuna or the Cell.
The Insurer is a protected cell (“the Cell”) of Opportuna Insurance PCC Limited (“Opportuna”), a limited liability protected cell company registered in Guernsey, in terms of the Companies Guernsey Law, 2008 (the "Law") and regulated by the Guernsey Financial Services Commission. Opportuna’s registration number is 68684 and its registered office is at Hadsley House, Lefebvre Street, St Peter Port, Guernsey GY1 3WP.
Weare committed to protect your personal information and weare committed to the principles of data security in the configuration of our services. As a data controller, we collect and process information about you and we also receive personal information from your booking agent including your email address, name and phone number, which enables us to issue and modify policies and process claims. We may share that data from time to time with insurers or contractors who may be outside of the European Union. We will never share your data with external marketing services. Our Privacy Policy outlines how we process your data, the data that we collect and the processes to undertake should you either wish to request a copy of your data, or remove consent for us to retain your data.
Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.
If you have a complaint in relation to this policy of insurance you should refer your complaint to:
Email: complaints@hotspotcover.com
The relevant party will contact you within five days of receiving your complaint to inform you of what action they will take.
Once you have received your final response from us, if you are still dissatisfied you may take up your complaint with the Channel Islands Financial Ombudsman (‘CIFO’), by visiting www.ci-fo.org and downloading a claims submission form.
Once completed, the form can be submitted to the CIFO by post to; Channel Islands Financial Ombudsman
PO Box 114
Jersey, Channel
Islands JE4 9QG.
By email to: complaints@ci-fo.org
By fax to: +44 (0) 1534 747629
Opportuna Insurance PCC Limited - Frank Risks Cell is licensed by the Guernsey Financial Services Commission.
In any communication, please quote the policy number shown in the schedule.
Making a complaint does not affect your right to take legal action.
In the event of the insured person requiring Assistance for Security or a Medical Emergency overseas please contact our emergency assistance company – Inherent Risks
our emergency assistance company provides emergency assistance in respect of the
Our emergency assistance company is operated by a specialist assistance provider who will advise on and where appropriate arrange all medical treatment, medical evacuation or repatriation, travel and accommodation.
Our emergency assistance company has experienced multi-lingual staff that will:
You must comply with the obligations set out below. If we determine that any claim you make under this insurance has been adversely impacted directly by your failure to comply with the obligations below,we may refuse to pay your claim or reduce the amount of any payment we make for the claim.
Tel: +44 (0)203 769 9461 (24/7 Assistance Email: assist@hotspotcover.com)
For all other claims please contact our emergency assistance company on: Tel: +44 (0)203 769 9461 24/7 Assistance Email: assist@hotspotcover.com
When you notify our emergency assistance company of a claim, they will send you a claim form which you are required to complete and return to them.
Emergency Assistance Company will require the following details:
Once your claim is accepted, we will pay you the amount stated in the relevant section of the schedule.
Failure to contact Emergency Assistance Company and obtain authorisation may prejudice the claim and could mean that some or all of the costs involved may not be paid. You should not attempt to find Your own solution and then expect full reimbursement from us without prior approval first having been obtained from our Emergency Assistance Company.
In the event that liability cannot be established at the outset of an emergency it is agreed that the first named insured will guarantee payment until such time that liability can be accepted by insurers.
Wherever the following words appear in bold they will have the meanings shown below.
a sudden, unexpected, unusual, specific, external event which occurs at an identifiable time and place during the period of insurance.
The Foreign and Commonwealth Office of the United Kingdom, The United States Department of State, the Foreign Office of Canada or similar authority of your country of domicile.
the number of consecutive weeks set out in the schedule for which temporary total disablement benefit is paid.
identifiable physical injury which is caused by an accident, and solely and independently of any other cause (except sickness or disease directly resulting from, or medical or surgical treatment rendered necessary by such injury) results in the death of the insured person or their disablement within twelve months from the date of the accident.
The country in which you reside in and/or the country to which the insured person shall return to when repatriated or country in which they hold a valid passport.
The death of an insured person resulting from an accident
the number of consecutive days set out in the schedule after the date on which you first became disabled which must expire before temporary total disablement benefit becomes payable.
The company Inherent Risks who will approve all inpatient hospitalisations, arrange and pay for Emergency Medical or Security Evacuations, Repatriations or, Kidnap and Ransom incidents and settle all claims.
The reasonable and necessary additional costs of transport and accommodation incurred in respect of the insured person or any one relative or friend who has to travel to remain with or escort the insured person home to the insured persons country of domicile.
Following the death (due to accident or illness) of an insured person the reasonable cost of funeral expenses necessarily incurred outside the insured persons country of domicile, or expenses incurred in transporting the insured person’s body or ashes, to their country of domicile, including making the necessary arrangements.
Any establishment which is registered or licensed as a full time facility for surgical and medical diagnosis and treatment of injured and ill persons by and under the supervision of a qualified medical practitioner continuously providing a 24 hours a day nursing service supervised by State Registered Nurses or nurses with equivalent qualifications and is not primarily a mental institution or a place of rest for the aged, for drug addicts or alcoholics. Ill/Illness
Means the insured persons sickness or disease contracted whilst on an insured journey during the policy period which results in them requiring medical treatment. Insured journey
Whilst the insured person is on a trip outside their country of domicile (not exceeding 12 months in duration) which begins during the policy period of and commences from the time the insured person leaves the departure point from their country of domicile and continues during the entire period of the insured journey and terminating at the time of returning to their arrival point at their country of domicile. Insured Persons
Any director or employee of the Policyholder or categories of persons shown in the schedule.
Shall mean in respect of:
Loss of Sight shall include total and permanent loss of sight, which shall be deemed to have occurred:
The cost of transporting the insured person by air and/or surface transportation. If the insured persons medical condition warrants immediate transportation (due to inadequate medical facilities) by our Emergency Assistance Company from the place where the insured person is located to the nearest adequate medical facility where medical treatment can be obtained, including the costs of all medical care and ancillary costs associated with that transportation.
With the prior approval of our emergency assistance provider and the insured persons treating medical practitioner the return of the insured person to their country of domicile by normal scheduled airlines or by an air ambulance or suitable means of transport.
Reasonable and necessary emergency medical, surgical, hospital and nursing home charges or emergency dental (for the relief of pain and suffering) fees, incurred outside the insured persons country of domicile, including the cost of rescue services to take the insured person to hospital.
a registered, qualified, practicing member of the medical profession, who is not related to you.
permanent total and irrecoverable loss of function of one or more limbs.
the time for which this insurance is in place as shown in the schedule.
Permanent disablement wholly preventing the insured person from engaging in or giving attention to their usual occupation caused other than by loss of limb or sight or speech or hearing which disablement lasts without interruption for more than 12 months from the date of Accident, and in all probability shall continue for the remainder of the insured person’s life.
A medical condition that in the opinion of our emergency assistance company physician requires immediate emergency medical treatment to avoid certain death or serious impairment to the insured person’s health and such emergency medical treatment is not available or is not adequate in the insured person’s host country to avoid death or serious impairment of health.
the pages of this document showing your name, the sums insured, the period of insurance and the sections of this insurance which apply.
Spouse or domestic partner, mother, mother-in-law, father, father-in-law, daughter, daughter-in-law, son, son-in-law, (including legally adopted daughter or son), brother, brother-in-law, sister, sister-in-law, grandfather, grandmother, grandson, granddaughter or fiancé(e).
Disablement from accident which prevents you from attending to all aspects of your business or occupation.
Armed conflict between nations, invasion act of foreign enemy, civil war, military or usurped power, rebellion, revolution or insurrection and active participation in terrorism or war, whether be declared or not or active participation in hostilities of any act of terrorist activity civil war rebellion Tito, insurrection revolution overthrow of legally constituted government, civil war, civil commotion or uprising or explosion of war weapons
Opportuna Insurance PCC Limited - Frank Risks Cell. Opportuna Insurance PCC Limited is a Protected Cell Company licensed in the Bailiwilck of Guernsey (registration number 68684). Share capital in Cell Hotspot is 100% subscribed to Hotspot Cover DAC; a Designated Account Company registered in Ireland (registration number 632153) authorised and regulated under part 16 of the Companies Act 2014.
The company(s), partnership(s) or unincorporated association(s) named in the schedule as the Policyholder or category of persons who pay the premium for this insurance.
the insurance broker or intermediary who arranged this insurance ony our behalf
This section only covers claims which fall within the definition of bodily injury and does not cover any claim caused or contributed to by illness.
We will pay the benefit shown in the schedule of benefits if as a result of an insured person suffers bodily injury whilst on an insured journey during the period of insurance.
a)yourbodyisnotfoundwithintwelve(12)monthsof yourdisappearance, and sufficient evidence is produced, that leads us inevitably to the conclusion that you have sustained bodily injury and that such injury has caused your death; and
b)the person or persons to whom such sum is paid will sign an undertaking to refund such sum to us if you are subsequently found to be alive.
If during the period of insurance and whilst on an insured journey the insured person directly witnesses an act of terrorism, without sustaining accidental bodily injury and suffers Post Traumatic Stress Disorder resulting in their temporary total disablement within 6 months of the event we will pay them 50% of the Temporary total disable benefit (TTD benefit 8) they are entitled to per week whichever is the lesser for up to a maximum of 26 weeks.
We will cover medical expenses solely and directly as a result of the insured person sustaining bodily injury or illness whilst on an insured journey during the period of insurance.
You must as soon as reasonably possible contact the emergency assistance company if they require in-patient hospital treatment, emergency medical evacuation or repatriation and obtain their pre-approval for such in-patient hospital treatment, emergency medical evacuation or repatriation.
This insurance does not reimburse expenses:
In the event of the insured person sustaining bodily injury or illness whilston an insured journey during the period of insurance which results in them suffering a serious medical condition we will arrange and pay for medical evacuation or repatriation to your country of domicile
The insured person must as soon as reasonably possible contact the emergency assistance company if they require in-patient hospital treatment, emergency medical evacuation or repatriation and obtain their pre-approval for such, emergency medical evacuation or repatriation.
We will indemnify the insured person up to a maximum of EUR 25,000 for the reasonable and necessary additional costs of transport and accommodation incurred in respect of one relative or friend who has to travel to remain with or escort them home to their country of domicile.
In the event of the death period whilst on an insured journey during the policy period of an insured person we will Indemnify their estate up to a maximum of EUR 25,000 for the reasonable costs incurred of a funeral outside their country of domicile or the costs of transportation of their mortal remains (body or ashes) back to their country of domicile.
This insurance does not cover claims in any way caused or contributed to by:
An act of terrorism means an activity that:
The cost of accommodation, transportation and food and any other reasonable and necessary expenses.
The costs of security and relocation if an insured event has occurred and at the sole discretion of the emergency assistance company the insured person may remain in the their country of residence, in either their current location or relocate to a site chosen by the emergency assistance company up to a period of 14 days from the time the insured event first occurs.
meansaneventof naturaloccurrencebeingbutnotlimitedtoearthquake, volcanic eruption, tsunami, snow, rain, hail, lightning, flood, wind, wind borne dust or sand, wildfire or similar event, that results in widespread and severe physical damage to property such that the government of host country issues an official disaster declaration and determines the affected area to be uninhabitable and that the event occurs after you have entered the country affected by the incident and during the period of your insurance. In no event shall a natural disaster be deemed to apply to a marine vessel, ship or watercraft of any kind. A natural disaster must also have caused bodily injury or death to or directly affects the safety of you as an insured person.
Political and/or military events that expose an insured person to clear and imminent danger of physical harm.
The return of an insured person to their permanent country of residence, or in the event of their death, the return of their remains.
We will arrange and pay for the evacuation or repatriation of an insured person or for the hibernation expenses or other cost and expenses incurred by them as a result of an insured event whilst on an insured journey during the policy period. The maximum amount we will pay under this section annually for all
We will reimburse you up to EUR 5,000 if whilst on an insured journey the insured person is forced to move from your pre-booked accommodation as a result of any event caused by natural phenomenon including fire, earthquake, flood, hurricane, landslide, tornado, tsunami, volcanic eruption, local government directive or an act of terrorism which is confirmed in writing by local or national authority for irrecoverable accommodation costs necessarily incurred for the insured person to continue with the insured journey.
We will indemnify you for up to a maximum of EUR 25,000 in the aggregate annually for all insured persons for the reasonable and necessary costs incurred in searching for the insured person and bringing them to a place of safety if during the policy period and the course of an insured journey whilst outside the country of domicile the insured person is either (1) reported missing and it is known or reported that the insured person may have sustained accidental bodily injury or suffered accidental bodily injury or illness, or (2) the weather conditions are such that in order to prevent accidental bodily injury or the suffering of illness the police or rescue authorities linstigate a search and rescue for the insured person. Such necessary costs are strictly secondary to any national or state authority expenses (for example Coastguard, Mountain Rescue or State air/sea rescue/search) provided for search and rescue.This excludes ship to shore and deep water search and rescue and/or evacuation.
In the event of the insured person having to delay their planned outward journey or return journey to their home country due to an act of terrorism which closes either their departure or arrival point, we will indemnify you up to EUR 3,000 for the additional cost you incur, that are not recoverable from any other source, for you to make alternative arrangements to reach your planned trip destination.
This extension is subject to the definitions,conditions and exclusions of the crisis response insurance policy wording in section 4 and to the particular exclusions, terms and conditions appearing below.
We will indemnify the assured up to EUR 250,000 in respect of the following insured losses occurring during the period of insurance, subject to the following terms, conditions, exclusions and definitions:
The making of illegal threats directly to an insured person to:
The illegal holding under duress for a period in excess of six consecutive hours of an insured person whilst travelling on any airplane, vehicle or Watercraft.
The illegal actual or alleged taking,in the territory specified in the schedule, and holding captive of an insured person by persons who then demand specifically from assets of an insured person a ransom as a condition of their release.
Cash and/or marketable goods, property, monetary instruments or securities surrendered by an insured person or on their behalf to meet a kidnap, extortion or hijack demand.
The return of an insured person to their permanent country of residence, or in the event of their death, the return of their remains.
The holding under duress of an insured person for whatever reason, irrespectiveof whethersuchholdingunderduressisbylegalgovernmental authorities in the place of custody or by others.If held by legal government authorities the detention must be the result of malicious and false accusations against the insured person of a criminal offence made solely and directly to achieve a political, propaganda, or coercive effect upon or at the expense of the insured person or the country of which they are a national.
Where there is a deliberate or reckless misrepresentation or non-disclosure of relevant information (such relevant information is including but not limited to where there has been any alteration to the Business and/or the occupation or pursuits of any insured person after the effective date of this insurance which increases the risk of loss, liability, destruction, damage, accident, injury or illness or where insured person interest ceases except by will or operation of law the policy will be treated as void and of no effect from the date of such misrepresentation or non-disclosure and no return of premium will be allowed.
Where such misrepresentation or non-disclosure is not deliberate or reckless but would have affected our consideration of the risk, they may take the following actions with effect from the date of the misrepresentation or non-disclosure:
You may not assign the benefits under this Policy. We shall not be bound to accept or be affected by any notice of any trust charge, lien, purported assignment or other dealing with or relating to this Policy.
If at the time of an event giving rise to a claim there is any other insurance Policy in force which covers you or the insured person for the same expense, loss or liability we will only pay a proportion of the claim being determined by reference to the cover provided by each of the relevant policies with the exception of Personal Accident benefits which will be payable in full.
We shall not be liable for failure to provide Services and/or delays caused by natural disaster, strikes or other conditions beyond our reasonable control, including but not limited to flight conditions or situations where the performance of this Policy is prohibited or delayed by local laws, regulations or regulatory agencies. We shall notify you immediately of any Force Majeure event.
In the event of such Force Majeure lasting longer than 7 days you will have the right to cancel this Policy immediately and We shall return any premium paid by you less any amount for claims paid or due to be paid.
The maximum liability for the Insurer under an individual policy is EUR 1,000,000 per person per event across all policy sections.
The maximum liability for the insurer under a multi-person policy (2-20 persons) per event is: Section 1: Personal Accident - EUR 5,000,000 Section 2 & 3: Emergency Medical & Evacuation - EUR 10,000,000 Section 4: Crisis Response - EUR 5,000,000 Section 5: Kidnap and Ransom Reimbursement - EUR 5,000,000
Please refer to the benefit table in this policy which states the individual limits that apply per person per event.
You warrant that all premiums due to us under this policy are paid within the terms agreed from the inception date. Non-receipt by us of such premium, by midnight (local standard time) on the premium due date, shall render this policy void with effect from inception.
You and the insured person must take all reasonable precautions to avoid accident, injury or illness to any person, or loss, destruction or damage to their property, and you and the insured person must comply with all legal requirements and safety regulations and conduct the Business in a lawful manner. If in relation to any claim you or the insured person have failed to fulfil any of these conditions, they will lose the right to indemnity or payment for that claim.
You warrant that all premiums due to us under this policy are paid within the terms agreed from the inception date. Non-receipt by us of such premium, by midnight (local standard time) on the premium due date, shall render this policy void with effect from inception.
You and the insured person must take all reasonable precautions to avoid accident, injury or illness to any person, or loss, destruction or damage to their property, and you and the insured person must comply with all legal requirements and safety regulations and conduct the Business in a lawful manner. If in relation to any claim you or the insured person have failed to fulfil any of these conditions, they will lose the right to indemnity or payment for that claim.
In the event that a third party is held liable for all or part of any claim paid under this Policy We may exercise their legal right to pursue the third party to recover their outlay. You or the insured person will upon our request agree to and permit them to do such acts and things as may be necessary or reasonably required for the purpose of exercising this right. We will pay the costs and expenses involved in exercising the right against third parties.