What Does the Policy Cover?

What Does the Policy Cover?


What does this mean

Policy Limits

Medical and Emergency travel expenses (including repatriation and emergency evacuation)

If you require medical treatment whilst you are abroad, there is cover for incurred costs. There is also cover for medical treatment for covid.


Loss, theft or damage to personal baggage, including laptops etc.  Single article limit of £1000 per item. There is no cover for theft, loss or damage to mobile phones

If your personal belongings are lost, stolen or damaged, the Policy covers the cost repair or replacement .

£5,000 (inner limit of £3500 for business equipment), ie if you are using any equipment belonging to the University during the trip.

Lost or Delayed Baggage

If your baggage is delayed or lost during your trip, there is cover in place to purchase emergency items until your bag is returned to you. 

If your bag is not returned to you, the policy covers the cost of replacing your belongings with items of a similar cost and specification







Loss of money



If your trip is cancelled or curtailed due to circumstances beyond your control (usually illness to you or a family member for whom you are responsible) There is also cover for additional costs incurred ( change of flight or extension of accommodation) if you are unable to travel when planned due to you contracting covid



Principal Exclusions

Travel - Cancellation, Curtailment, Change of Itinerary, Rearrangement and Replacement

The first £100 of each claim

​​​​​​​ Financial failure or omission or neglect of any provider or their agent of transport or accommodation

Regulations made by any public authority or government except in response to a Natural Catastrophe

Disinclination to travel 

Trade Sanctions - Insurers will not pay any claim which would expose them to any sanction prohibition or restriction under UN resolutions or the trade or economic sanctions laws or regulations of the EU, UK or USA  


Travel - Medical and Other Expenses

Journeys taken against the advice of a qualified medical practitioner or where the purpose of the trip is to receive medical treatment or advice 


Travel - Travel Delay

If the delay is due to a strike or industrial action which existed or of which advance notice had been given on or before the date the journey was booked

Withdrawal of service temporarily or permanently of any means of transport on the order or recommendation of any Port or Civil Aviation Authority or any similar body, except in response to a Natural Catastrophe.

These are the main exclusions to note under the cancellation, medical expenses and travel delay sections of the Travel Policy.  For details of full exclusions please contact the Insurance Office (

Additional Information


Travel advice

Anyone considering travel should follow the advice on the University's Business Travel website.  It is important that a travel risk assessment is completed and signed off for travel to hazardous locations. If in doubt, you should consult the Foreign & Commonwealth Development Office website.


Pre-existing medical conditions

In general, there are no restrictions under the Policy for persons travelling with a pre-existing condition to the cover, provided that the person undertaking the travel is fit and able to travel, is not travelling against the advice of their GP and if they are on medication, ensure that they have a sufficient supply for the duration of the trip.  The policy does not cover the cost of repeat prescriptions.  The condition must be ‘managed and controlled’ as there is no cover for monitoring, screening, continuing physio, etc.   However some conditions may need to be referred to the Insurers for confirmation that cover is in place.  For further advice, please contact the Insurance Office.


Travelling whilst pregnant

There is no policy exclusion in respect of travelling whilst pregnant, provided that medical confirmation has been sought and that the airline will permit travel.  However there is an exclusion relating to medical expenses incurred as a result of childbirth, relating to the child which limits cover to £50,000.  A travel risk assessment should also be completed.


Winter Sports

There is cover for participation in winter sports, providing that you are skiing at your normal level. You’d be expected to adhere to local weather advice and not go off-piste.  Any winter sport activities that are of a higher risk, such as snow boarding, cross country skiing, etc will have to be referred to Insurers.



Insurers have certain requirements that must be adhered to in order for the Policy to provide cover.


 1   Each demand regulator is examined by a competent person every 12 months

2    Each air cylinder shall be inspected internally and externally every two years and given a hydraulic pressure test every 4 years by an IDEST registered test station in full accordance with BS5430 (or local equivalent)

3    No diving shall be to a depth greater than 30 metres (100 feet)

4    All diving shall be in the company of a "buddy diver"

5    No diving shall take place during the hours of darkness