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Euro Travel Policy
Euro Policy not regulated by the Financial Services Authority  

PHA Travel.com

QUALITY INSURANCE UNDERWRITTEN AT LLOYDS OF LONDON
Austria Belgium Cyprus Denmark Finland France Germany Greece Eire Italy Luxemburg Holland Portugal Spain
Poland Sweden bulgaria czech estonia hungary iceland latvia lithuania malta romania slovakia slovenia turkey
YOU ARE ELIGIBLE TO BUY if ...
 you are a resident of the following EU countries, and your trip starts and ends at your home country:
AUSTRIA, BELGIUM, BULGARIA, CYPRUS, CZECH REP., DENMARK, ESTONIA, FINLAND, FRANCE
GERMANY, GREECE, IRELAND, HUNGARY, ICELAND, ITALY, LATVIA, LITHUANIA, LUXEMBOURG, MALTA
NETHERLANDS, POLAND, PORTUGAL, ROMANIA, SLOVAKIA, SLOVENIA, SPAIN, SWEDEN, TURKEY
(trips must start and finish in your own country within the European
Union, and you must have been resident within the EU for 6 months)



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MARTINI POLICY
Cover Anytime Anywhere Anyplace - for all travellers anywhere (except US citizens travelling within the USA)

NOTICES
Residence: EC residents of at least 6 months.
Age Limits: Max age 80.
Pre-existing medical conditions: Not covered.
Children & Families:
Infants (aged under 2) are FREE if travelling with an insured adult.
Children (age 2-17) pay 50% of the adult premium.
Family Cover rated at 2.5 x Adult premium (includes 2 adults and all unmarried dependant children under the age of 18 if living at home or in full time education).
Single Parent cover rated at 1.5 x adult premium.
If children are travelling in their own or are classed as the policyholder, they pay the adult rate.
Hazardous Acitivities: see Hazardous Activities List for any pursuits which may require an increased premium or referral.
Material Facts: - all material facts which may influence the underwriters in the acceptance of the cover should be disclosed. If in doubt about whether a fact is material, please ask or declare it.
One-way Trips - available - 16 days premium rate applies.

This is what the policy will pay in €'s & £'s ±

SUMMARY OF BENEFITS (up to Per Person Per Trip)


SECTION
Gold
SPECTRUM
PREMIER
TRIP &
LONG STAY
Silver
SPECTRUM
ECONOMY
TRIP &
LONG STAY
CHECK
PREMIUMS
CHECK
PREMIUMS
MEDICAL & OTHER EXPENSES*
€7,500,000 / £5,000,000
€7,500,000 / 5,000,000
HOSPITAL INCONVENIENCE
€2,250 / £1,500
€2,250 / £1,500
CANCELLATION / CURTAILMENT*
€7,500 / £5,000
€7,500 / £5,000
PERSONAL ACCIDENT
Death / Loss of one or more limbs, or total irrecoverable Loss of Sight in one or both eyes / Permanent Total Disablement
€30,000 / £20,000
€30,000 / £20,000
PERSONAL BAGGAGE
  (single article limit)
  (valuables limit)
  (business samples &
   documents*)
€3,000 / £2,000
  (€450 / £300)
  (€450 / £300)
  (€600 / £400)


NO
COVER
PERSONAL MONEY*
 (cash limit)
Under 16 cash limit €75 / £50
€750 / £500
 (€300 / £200)
€750 / £500
(€300 / £200)
DELAYED BAGGAGE
€150 / £100
€150 / £100
MISSED DEPARTURE EUROPE / WORLDWIDE
€750/£500 / €1500/£1000
€750/£500 / €1500/£1000
DEPARTURE DELAY
€30/£20 first 12 hrs, €15/£10 each subsequent 12 hrs, abandonment after 12 hrs
€450 / £300
€450 / £300
PERSONAL LIABILITY
€3,000,000 / £2,000,000
€3,000,000 / £2,000,000
LOSS OF PASSPORT *
€750 / £500
€750 / £500
LEGAL EXPENSES
€37,500 / £25,000
€37,500 / £20,000
HIJACK COVER
€7,500 / £5,000
€7,500 / £5,000
W/SPORTS EQUIPMENT* (owned/hired)
 €750 / £500
  €750 / £500
SKI PACK
 €375 / £250
  €375 / £250
AVALANCHE CLOSURE
€225 / £150
(€45/£30 PER DAY) 
 €225 / £150
(€45/£30 PER DAY)
PISTE CLOSURE
 €300 / £200
(€30/£20 PER DAY)
  €300 / £200
(€30/£20 PER DAY)
SKI EQUIPMENT DELAY
 €450 / £300
(€22.50/£15 PER DAY)
 €450 / £300
(€22.50/£15 PER DAY)
24 HOUR MEDICAL EMERGENCY SERVICE INCLUDED
* These sections are subject to an excess of €97.50 (£65) per claim per insured person (€22.50 (£15) deposit only claims).
± Benefit and other values are fixed in UK sterling. Euro figures are approximate conversions from the sterling values. For the latest value, why not use this free service:-
www.xe.com (approx conversions)


SIMPLY THE BEST CHOICE FOR YOUR HOLIDAY INSURANCE

PHA Travel.com, 1173 Bristol Road South, Northfield, Birmingham, B31 2SL
Tel 0845 634 2502   Intl UK 44 845 634 2502   Fax 0845 634 2509

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PHATravel.com is a trading style of PHA Insurance Services Ltd - Registered Office: 1173 Bristol Road South, Northfield, Birmingham, B31 2SL, England, Companies House registration number 5092395 (England). PHA Insurance Services Ltd is directly authorised by the Financial Services Authority - ref. no. 418244.

PHA Insurance Services Ltd is fully committed to the FSA's Treating Customers Fairly (TCF) initiative