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 Conditions & Exclusions
Cancellation or Refunds:If the cover does not meet your requirements or your travel plans have changed, you have 14 day 'cool off' period from the date of issue to cancel the policy, once the travel date has not commenced and a claim has not been made. Once the policy has commenced there are no refunds permitted. Policy Extensions:It may be possible to extend your insurance policy by contacting your USIT booking office. All extensions MUST be done prior to the expiry date of the original policy and are under the discretion of the Underwriter. Pre-Existing Conditions: You should read and understand the warranty on page 8 of the Certificate of Insurance. Please note: the Warranty applies to your health and to the health of an immediate relative of yours, as a change in their condition could give rise to a claim.
NB: The insurers must be informed of any fact, which is likely to influence them in the acceptance, assessment or continuance of the insurance. Failure to do so, may invalidate the insurance, leaving you with no right to make a claim. Please call Health Check on 0818 48 48 49 to declare any illnesses. General Exclusions:Anything arising directly or indirectly from:- The suicide of the injured person, deliberate injury
of yourself, being under the influence of alcohol or 
drugs, drug addiction, solvent abuse, any anxiety
illness or depression or any pre-existing psychotic
mental illness. - Putting yourself in grave danger (unless you are trying to save someone's life).
- Expenses arising from, caused by or resulting from, war, hostilities, warlike operations or terrorist activities.
- The cost of any elective treatment or surgery, including exploratory tests, which are not, directly related to the illness or injury which, necessitated your admission to hospital.
- Winter sports, unless you have purchased additional premium.
- More than €350 in respect of medical expenses incurred by you, if you did not contact Europe Assistance at the first available opportunity.
Please note: the policy conditions and general exclusions mentioned herein, are a summary of the full Conditions and exclusions contained in the policy itself. In the event of any claim the Conditions and Exclusions contained in the policy wording shall take precedence.
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