Insurance Policy
At Thomas Cook we realise that peace of mind helps you to relax and unwind on your holiday.
With so much experience in the travel business we know that being properly insured on your holiday is essential. All guests travelling with Thomas Cook must have adequate travel insurance. We reserve the right to automatically add standard insurance to your booking at the current price if you cannot show to us that you have another policy offering the same or greater protection than the one provided by White Horse.
We have arranged a number of different travel insurance options for you to choose from. Choose from Standard or Gold insurance policies that can cover you and your family year round for all your travel needs.
Our policies have been arranged through leading insurance experts White Horse Insurance (IRL) Ltd. For full policy details call our Sales Team on 0818 200 300.
Single Trip Holiday Insurance - Standard Cover:
| Sections of Cover | Maximum Sum Insured (€) | Excess (€) |
| Cancellation | 3,000 | 95 (20 for deposits) |
| Curtailment | 3,000 | 95 |
| Medical Expenses | 2,000,000 | 95 |
| Hospital Benefit | 15 for each 24 hour period. Up to £150. | No excess |
| Personal Possessions | 1,000 | 95 |
| Single Article Limit | 150 | |
| Total Valuables Limit | 150 | |
| Emergency Purchases - Baggage Delay | 200 | No excess |
| Money | 350 | 95 |
| Travel Documents including Passport | 150 | 95 |
| Personal Accident | 10,000 | 95 |
| Missed Departure | 500 | 95 |
| Travel Delay | 15 for first 12 hour period & then 10 for each subsequent 12 hour delay thereafter. Up to 160. | No excess |
| Abandonment | 3,000 | 95 |
| Personal Liability | 2,000,000 | 300 |
| Pet Care | 300 (30 per day) | 95 |
| Legal Expenses/Advice | 10,000 | 300 |
| Catastrophe Cover | 750 | 95 |
| Hotel Services Failure | 300 (30 per day) | 95 |
| Homecare Cover | 300 (30 per day) | 95 |
| Scheduled Airline Failure | 1,000 | 95 |
Single Trip Holiday Insurance - Gold Cover:
| Sections of Cover | Maximum Sum Insured (€) | Excess (€) |
| Cancellation | 5,000 | 50 (LOD 20) |
| Curtailment | 5,000 | 50 |
| Medical Expenses | 5,000,000 | 50 |
| Hospital Benefit | 25 for each 24 hour period. Up to £300. | No excess |
| Personal Possessions | 1,750 | 50 |
| Single Article Limit | 250 | 50 |
| Total Valuables Limit | 250 | 50 |
| Emergency Purchases - Baggage Delay | 250 | No excess |
| Money | 500 | 50 |
| Travel Documents including Passport | 250 | 50 |
| Personal Accident | 25,000 | 50 |
| Hijack | 100 for each 24 hour period. Up to 1,000. | No excess |
| Missed Departure | 750 | 50 |
| Travel Delay | 25 for first 12 hour period & then 15 for each subsequent 12 hour delay thereafter. Up to 160. | No excess |
| Abandonment | 5,000 | 50 |
| Personal Liability | 2,500,000 | 250 |
| Pet Care | 500 (50 per day) | 50 |
| Legal Expenses/Advice | 15,000 | 250 |
| Catastrophe Cover | 1,000 | 50 |
| Hotel Services Failure | 500 (50 per day) | 50 |
| Homecare Cover | 500 (50 per day) | 50 |
| Home Physiotherapy | 200 | 50 |
| Scheduled Airline Failure | 3,000 | 50 |
Insurance premiums:
| Standard Cover | Premium Cover | |||||
| 7 days | 14 days | 7 days | 14 days | |||
| Adult Europe | €20 | €25 | €25 | €30 | ||
| Child Europe | €10 | €12.50 | €12.50 | €15 | ||
| Seniors (65-79) Europe | €40 | €50 | €50 | €60 | ||
*Valid only for summer 2009 bookings.
Children:
Classed as 2 - 16 years old.
Infants are covered FREE under parent's insurance.
Family:
Husband and wife (or common law partner) and up to 4 dependent children up to and including 18
years old in full time education, living at the family home and travelling with their insured
parent(s).
Cover is not provided under these polices for persons age 70 years and over on date of return travel.
IMPORTANT NOTICE
Health:
If you, at the time of taking out this policy, have an existing medical condition for which you
receive continuing treatment, take medication, are undergoing investigation or if you have ever
been diagnosed as having cancer, NO COVER WILL BE PROVIDED by this policy for such medical
conditions, UNLESS
1. You contact the medical pre screening line on 1800 882 892
2. You receive approval of cover for such medical condition(s) for your planned trip and accept
any special terms provided in respect of your existing medical condition(s).
Please note: If hypertension (raised blood pressure) is the only medical condition from which you suffer, it will not be considered as an existing medical condition for the purpose of this policy and therefore it will not be necessary to contact the pre-screening line.
Policy document
You should read the document carefully. It gives you full details of what is and what is not
covered and the conditions of the cover. Cover will change from policy to policy and insurer to
insurer.
Conditions and
exclusions
The insurance is subject to the Conditions and Exclusions shown in the policy document. General
Exclusions and Policy Conditions apply to all sections of cover. There are also specific
exclusions which apply to specific sections of cover. These conditions and exclusions are
clearly set out in the policy document.
Hazardous
holiday activities
Your insurance policy document lists certain sports and activities that are not covered. If any
activity is not listed then cover is provided for that activity if undertaken during your
trip.
Policy limits
Most sections of your policy have limits on the amount that will be paid under that section.
Some sections also include other specific limits, for example for any one item, pair or set or
for valuables in total. You should check your policy if you are going to take expensive items
with you.
Policy excesses
Under some sections of the Standard and Gold cover, you will have to pay an excess. This means
that you will be responsible for paying the first part of the claim. The amount you have to pay
is the excess.
Reasonable care
You need to take all reasonable care to protect yourself and your property.
Complaints
Your insurance policy has in it a complaints procedure which tells you what steps you can take
if you want to make a complaint.
Cooling off
period
Your policy contains a 'cooling-off' period of 14 days during which you can return the policy
and get a refund, if you have a justifiable reason for being dissatisfied with the cover it
provides.
Law
Unless specifically agreed this insurance shall be subject to Irish law.
Other important
benefits
Subject to exclusions:
24-hour repatriation service / Redundancy cover / Water sports cover / Delayed baggage.
The full range of exclusions are detailed in the policy which will be sent to you with your
Booking Confirmation Invoice. Premium refund cannot be allowed after confirmation of the
holiday booking.
PLEASE NOTE: All claims should be made to The Claims Office. For full details please see your
policy wording.
Warranty
The Insured person warrants that at time of effecting this insurance;-
(a) No circumstances are known that are likely to lead to cancellation or curtailment of the
holiday (e.g. the known health condition of a close relative).
(b) The Insured person has disclosed all material facts concerning this insurance to the
Insurer.
(c) No travel will be undertaken against a medical practitioner's advice.
What to do in case of a medical
emergency
If you have the misfortune to have an accident or suffer from illness while on your holiday a
24-hour assistance service is provided through International Medical Rescue, a major
international assistance company. International Medical Rescue can be contacted on 00 44 845
604 7942. An experienced assistance co-ordinator will deal with you and will make sure that, if
necessary, hospitals will be contacted (and any necessary fees guaranteed), medical advisors
consulted and, if needed, repatriation to the Republic of Ireland or UK will be arranged.
