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 and 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.

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COVID-19 and other pandemic illnesses

Our travel insurance policies include cover for any medical claims due to COVID-19 and any other pandemic illness as long as you are not travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or any other equivalent government body in another country. It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at:
http://www.gov.uk/foreign-travel-advice.

Cancellation cover is also provided due to falling ill with coronavirus or any other pandemic illness and you being unable to travel or being required to self-isolate, subject to a medical certificate or an official test result.

Any new policy purchased will not cover cancellation due to:

• an event which has already begun or circumstances already known to you;
• current or future FCDO restrictions on travel due to a pandemic, such as COVID-19;
• or you choosing not to travel.

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.

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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.

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Your travel arrangements

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Medical declarations

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