International Student Travel Insurance

Insurance Product Information Document

Product: International Student Travel Insurance Company: Endsleigh Insurance Services Limited
(firm ref: 304295) is authorised and regulated by the Financial Conduct Authority. Registered in England at One
Creechurch Place, London, EC3A 5AF, United Kingdom
This document provides a summary of the key information relating to your insurance policy. Complete pre-contractual and
contractual information on the product is provided in the full policy documentation. This summary does not form part of your
contract of insurance.

What is this type of insurance?

This insurance meets the demands and needs of persons travelling away from home.

What is insured? What is not insured?

Cancelling or cutting short a trip The excess amount of each claim made by each person
We will pay you up to £3,000 for unused and irrecoverable under eachcover section where an excess is payable
costs if you have to cancel or cut short your trip as a result of Baggage or valuables left unattended - subject to terms set
an insured event out in your policy booklet
Medical emergency and other expenses Any event which you were aware of at the time of taking this
Should you be injured or become unwell whilst on a trip, insurance or booking your trip (whichever is later) that could
we will pay up to £2 million for your hospital, ambulance give rise to a claim
and medical repatriation costs, including up to £500 for Any trip which has already begun when you take out this
emergency dental treatment
insurance
Baggage Any pre-existing medical condition relating to any reason
We will cover you if your personal belongings are lost, set out under ‘Important conditions relating to health’ in your
damaged or stolen up to £1,000 per person. The following policy booklet
limits also apply:
Any optional additional cover unless the appropriate
additional premium has been paid
• Up to £200 for any one article
Participation in any professional sports or entertainment
• Up to £300 for the total of all valuables There is no cover for manual work unless listed within the
policy document as acceptable
Personal money and passport
We will cover you if your personal money is lost, damaged or Your travel to any country or specified area or event when
stolen. The following limits apply: the FCDO or the World Health Organisation has advised
against travel
• Up to £100 for cash
Your own unlawful action or any criminal proceedings
• Up to £100 for all other personal money and documents against you
Your inability to travel due to your failure to hold, obtain or
We will also pay up to £500 for additional accommodation
produce a valid passport or any required visa in time for the
and transport costs to obtain a replacement passport if yours
booked trip
is lost, stolen or damaged
Any claims arising from the use of drugs (other than
Missed Departure prescribed treatments), drinking too much alcohol or alcohol
We will pay your additional transport costs up to £250 if you abuse
miss your public transport from or to your home country as a
result of an insured event Any amount recoverable from any other source such as your
airline, accommodation provider, ATOL bond or debit/credit
Course Fees card provider
We will pay you up to £8,000 for irrecoverable pre- paid
Any claim due to a cause which is not insured under your
College, University or Language School fees if you are
selected level of cover
unable to continue your studies due to an insured event

Are there any restrictions on cover?

You can only purchase this insurance if you are studying a
degree, language course or other recognised qualification in
the UK
This policy is not available to anyone aged 66 or over at the
timeof departure
This cover is only available to those who are registered with a
GPin their home country and where study is for 6 months or
more also registered with a GP in the UK
Policies cover emergency medical treatment, it is not
private health insurance, be aware of excessive
treatment charges
 Where am I covered?
You are covered for travel to the destination for which the appropriate premium has been paid and for which you have been accepted for cover
provided you are not travelling against the advice of the Foreign, Commonwealth and Development Office or the World Health Organisation
Cover is extended to include:
• Inward and outward direct trips back home at the beginning and end of each academic term
• Trips outside the UK if part of your course of study
• Leisure trips within Europe for a maximum of 21 days in each policy term

What are my obligations?

• Please take a few minutes to check all the details you have provided are correct
• You should disclose any information or fact which is likely to affect the acceptance of this insurance
• If you are in doubt whether the information will affect the acceptance of this risk you should disclose it anyway
• If you fail to disclose information or knowingly give false information all cover under this policy may be cancelled
• If any details change after purchase of this insurance please contact us
• You must take reasonable steps to prevent loss, theft or damage to your property
• You must not travel against the advice of a medical practitioner or your public transport provider
• You must not travel with the intention of receiving medical treatment
• You must take all reasonable precautions and practical steps to avoid injury, illness or disease
• In the event of a serious illness or accident which may lead to inpatient treatment you must contact the emergency assistance
services who will then assist you
• If you need to make a claim on your policy, you must provide us with the evidence needed to substantiate your loss

When and how do I pay?

The charge for this insurance will be payable, as requested by your Group Policyholder, as part of your booking. In some
circumstances, the charge for this insurance may be covered by your Group Policyholder.

When does the cover start and end?

Cover for cancellation starts as soon as you have paid for the policy. All other cover starts when you leave your home to begin your
trip. The policy ceases at the end of the declared period of insurance or when you return home, whichever is the earlier.

How do I cancel the contract?

You can cancel your policy by contacting the Group Policyholder at the address shown on your statement of insurance.

Endsleigh Insurance Services Limited (Company No. 856706) (FRN 304295) is authorised and regulated by the Financial Conduct Authority. Registered in England at
One Creechurch Place, London, EC3A 5AF, United Kingdom. This can be checked on the Financial Services Register by visiting register.fca.org.uk

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