Most sections of the policy carry an Excess. This is the first amount of any claim that you will have to pay. The amount may vary depending on the level of cover you have chosen. It is applicable per person per section. The Excess will be reduced to nil if you have used a form EHIC to reduce your medical expenses bill.

The Free Spirit policy has a standard policy excess that applies to some sections of the policy ? See Policy Summary or the Policy Wording for details. It is not possible to delete the excess. See similar questions...

Most Travel Insurance related claims involve the traveller paying a nominated fee at the commencement of each claim. See similar questions...

Most International policies allow for exess buyout. But because we offer policies from a number of different travel insurance agents you must check the Policy Wording for full information on the amount.(usually between $15.00-$30.00) See similar questions...

Yes, for a single additional premium you can have the claims excess deleted. This is referred to as the 'Excess Waiver Option' and is available under single-trip, annual multi-trip and backpacker. If you select this option during the online quote process, the additional premium will be automatically included in your premium. See similar questions...

Yes. Under the Good 2 Go! International Comprehensive Policy you can ???buy-out' the excess. However, this will increase your premium and will not apply to Specified Items or Pre-Existing Medical Conditions claims, where the applicable excess to these covers remains at $75.00. See similar questions...

Even if your originating ticket states you are allowed 2 bags at any weight, the airports in Asia have their own regulations which are strictly enforced. For international flights, you are allowed 44 lb. (20 kilos) per person anything after that is charged. For domestic flights 33 lb. (15 kilos) is the limit. Excess baggage is permissible but is charged. See similar questions...

Ski Hire NIL Please note that this information was correct at the time of creating this page. Please check the policy wording for full details. Back to Top Yes it does. This insurance covers scuba diving up to 30 meters, if adequately supervised. You must click on the hazardous activity box and then the activity to cover you. If you do not you will not be covered. Back to Top See similar questions...

A NIL excess applies to sections 2, 4, 5, 6, 7, 8, 12 to 18. For all other benefits, an excess of $100 applies per claim. You can remove this excess by paying an additional premium within the application path. See similar questions...

The application process for the excess personal umbrella policy is very simple. To apply, first use our online EZquote. From there, fill out the on-line application, print it, and sign it. (The application will automatically set the effective date to 10 days after the date the application is filled out and will calculate your pro-rated premium). See similar questions...

Yes. If you cancel your excess personal umbrella policy, you will still be covered for any loss that commences between the inception date and the cancellation date. Your aggregate limit will be pro-rated to the amount of time the policy was in effect out of a period of one year (original aggregate limit multiplied by number of days from inception to cancellation divided by 365). See similar questions...

the first HK$200 for any claim under "Personal Money and Travel Documents", "Loss of Deposit or Cancellation" and "Curtailment of Journey"; See similar questions...

Our excess personal umbrella policy may be narrower than your underlying personal umbrella policy in some important ways: The limit of our excess personal umbrella policy is an aggregate limit. Under our excess personal umbrella policy, you will be covered in a first occurrence up to the aggregate limit. If you exhaust your aggregate limit in the first occurrence, there will be no coverage for additional occurences during that policy period. See similar questions...

The excess is the first part of each and every claim which must be paid by you. The standard excess is ?55 for cats and ?65 for dogs. In addition to this you may have selected to pay an additional excess. This will be shown on your schedule. See similar questions...