Eligibility Conditions
To be covered by this policy we assume:
- You are resident in the UK and registered with a medical practitioner in the UK. This policy does not cover anyone at any time who is a resident of the Channel Islands or the Isle of Man.
- You are travelling from and returning to the United Kingdom.
- You are not already travelling.
- You do not have any medical condition that you are aware of for which you have not yet received or sought diagnosis.
- You are not travelling with the intention of obtaining medical treatment, surgery or investigation.
By selecting 'Agree and Proceed' you are confirming the above five statements are true for you and any travellers wishing to be covered by this policy.
We are unable to quote travel insurance for you at this time as you do not meet our Travel and Health Eligibility Criteria. If you wish to discuss this further please call us to speak to our customer services team on 0345 165 5763.
If you have any medical condition you are aware of but for which you have not yet received or sought a diagnosis, or if you are travelling with the intention of obtaining medical treatment, Money Helper may help customers with pre-existing medical conditions find affordable cover. For more information or to use the service please click here or call 0800 138 7777*.
*Lines are open Monday to Friday, 9am to 5pm.
Your trip
It is important to check the list of covered activities to ensure that any activities that you plan to participate in as part of your winter sports trip are covered.
For a full list of sports activities that are covered as standard, please refer to your policy wording, which can be found on this page or in your Rias customer portal after purchase.
The following sports and activities are only covered if the Winter sports option is shown on your policy schedule.
- blade skating
- cross country skiing/nordic skiing
- dry slope skiing
- glacier skiing/walking
- husky dog sledding (organised, non-competitive and with experienced local driver)
- ice cricket
- ice go karting (within organisers guidelines and no liability cover)
- ice windsurfing (no liability cover)
- ice hockey
- kick sledging
- ski - blading
- *ski - dooing/snow mobiling
- ski biking
- ski boarding
- ski run walking
- skiing
- skiing - big foot
- skiing - cross country
- skiing - mono
- skiing - nordic
- skiing - off piste** with a guide
- skiing alpine
- *sledging/sleigh riding (pulled by horse or reindeer as a passenger)
- sledging/tobogganing on snow
- snow biking
- snow blading
- snowboarding on piste**
- snowboarding - off piste** with a guide
- snow bobbing
- *snow carting
- snow carving (using non powered hand tools only and not working above 3 metres from the ground)
- *snow go karting (no liability cover)
- *snow mobiling/skidooing (no liability cover)
- *snow scooting
- *snowcat driving
- snow shoe walking
- snow tubing
- telemarking
- winter walking (using crampons and ice picks only)
* No cover under Section 5 - Legal and liability for these sports or activities.
** Off piste is areas of snow that have not been specially prepared for skiing on within a resort boundary, this doesn't include transiting between recognised and marked ski runs.
Cancellation cover is only effective from the date your policy starts, so please enter the
date from when you want cover to start.
PLEASE NOTE: Cancellation due to a pandemic illness or for personal
quarantine is not covered within the first 48 hours of the policy purchase date.
Trips taken during the period of insurance which are longer than the trip length
selected will not be covered.
PLEASE NOTE: Cancellation due to a pandemic illness or for personal quarantine is not covered within the first 48 hours of the policy purchase date.
Trips taken during the period of insurance which are longer than the trip length selected will not be covered.
Your travel arrangements
Medical declarations
In the last 5 years have you or any person to be covered had any medical advice, treatment (including surgery, tests or investigations) or prescribed medication for any of the following?
- Any cancer condition (including leukaemia, non Hodgkin's lymphoma and any type of skin cancer)
- Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol)
- Any diabetic condition
- Any neurological condition (including stroke, brain haemorrhage, multiple sclerosis, epilepsy and dementia)
- Any breathing condition (including asthma, bronchitis and chronic obstructive pulmonary disease)
- Any renal, kidney or liver condition
- Any psychiatric or psychological condition (including anxiety, stress and depression)
- Any chronic condition that can be controlled but not cured (including back pain, Crohn's, diverticular and coeliac disease and ulcerative colitis)
And/or:
- In the last 12 months is there any other medical condition for which you or any person to be covered, has been prescribed medication, received or are waiting to receive treatment including surgery, tests or investigations?
Information: Where you provide sensitive information
such as medical conditions, you consent to it being used by us to provide a quote or issue a
policy. Where you provide sensitive information such as medical conditions for additional
travellers, they have consented to you providing this information on their behalf. For full
information about how we use your personal information, please see our Privacy Policy.
Customers with serious pre-existing medical conditions
Our travel insurance can offer cover for many pre-existing medical conditions. However, we would like to provide you with details of a “Medical Cover Firm Directory”, which is a publicly available directory, that only lists firms that provide, or arrange, travel insurance policies that cover more serious medical conditions. The directory will also show you enough information about each firm listed so you can make an informed, initial choice, about which firm might meet your needs.
What are the benefits?
Some of the advantages of using the directory make it easier for you to navigate the available market and make it more likely in finding a firm who:
- Is willing to offer cover for your condition
- Is willing to offer cover for your condition without specific exclusions
- Is willing to offer cover for your condition at a more affordable price.
MoneyHelper has a Travel Insurance Directory on its website which can be accessed at the link below:
https://www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory
Consumer enquiries about the directory can be made to MoneyHelper directly using the contact details below:
Telephone – 0800 138 7777 (available Monday to Friday from 8 am to 6 pm except Bank Holidays)
Online Enquiry Form - https://www.moneyhelper.org.uk/en/contact-us/money-guidance/money-guidance-enquiry-form (aim to respond within 2 working days).
TRAVEL INSURANCE QUOTE
