Platinum Travel Insurance*

Cancelling, postponing or abandoning your trip provides cover for up to £7,500 cover for unused travel, accommodation, excursion and leisure activities that have been paid for, or pre-booked, on the Card Account which are not refundable or a fee is charged to change them.

Key exclusions and limitations

* Pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our Insurance Benefit Centre

* Cancellation due to business reasons

* Abandonment after the first leg of a trip

* £50 excess applies

* Circumstances known before booking a trip

* Disinclination to travel

Cutting short your trip provides up to £7,500 cover for costs to return home (and to resume original trip) and unused travel and accommodation costs where a trip has been purchased on the Card Account.

Key exclusions and limitations

*  Pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our Insurance Benefit Centre

*  No refund for unused tickets where an insurer has paid for alternative travel arrangements to the same destination

* Circumstances known before booking a trip

* £50 excess applies

* Cutting short a trip due to lack of enjoyment or adverse weather conditions

- Up to £300 for missed departure due to accident or breakdown, travel delay, overbooking, or missed connection

- Up to £300 for baggage delayed by airline·

- Additionally, up to £300 for extended baggage delay by airline

Key exclusions and limitations

*Claims where travel tickets were not purchased on the Card Account

*Purchases which are not on the Card Account

* Costs where a transport provider has offered an alternative

* Baggage delay on the final leg of a trip

* Purchases made after baggage has been returned

* Costs which are recoverable from any other source

* Delays of less than four hours

Car Rental Benefits – Theft, Damage and Liability

- Up to £50,000 for theft or damage to vehicle (including any applicable excess)

- Up to £500,000 (Up to US$1 million in USA) for damage to another person or their property

Key exclusions and limitations

* Commercial vehicles, motor homes, caravans and trailers

* Cover applies only when rental agency allows refusal of their insurance

* An insured person must be named on the rental agreement

Up to £2,000 cover for personal belongings, money and travel documents which are lost, stolen or damaged when your trip has been purchased on the Card Account.

Key exclusions and limitations

You will not be covered in respect of the following:

• Deductions are made for wear and tear 
• Money or travel documents which are not kept on insured’s person or in a safe
• Loss, theft or damage that has not been reported to local police, transport or accommodation provider
• £50 excess applies
• £500 limit for money and travel documents
• £500 limit for a single item, pair or set of items
• Limit of £50 money cover for children under the age of 16 where no excess will apply
  

Provides up to £2,000,000 cover for necessary medical, surgical and hospital costs during a trip, all necessary repatriation and evacuation costs, or £2,500 for local funeral, and £1,000 emergency dental treatment.

Key exclusions and limitations

* Claims arising directly or indirectly from any pre-existing medical conditions other than those on the accepted conditions list which is available by visiting our Insurance Benefit Centre

* Medical assistance and expenses benefits if aged 70 years or over at any time during the trip¹

* Medical treatment in the country of residence

* Sports or activities that may be considered dangerous

* All costs must be approved in advance by the Insurer. If the unexpected happens on your travels and you need medical assistance, we should be your first point of contact. Simply ring the number on the back of your Platinum Card and we will ensure you get the treatment you need by a doctor who speaks your language

* In order to receive certain insurance benefits, you need to purchase the trip on your Platinum Card in full

¹If you are concerned about cover ending at age 70 and how it affects you, your family or Supplementary Cardmembers, please call us on 0800 917 8054

Up to £50,000 for death or permanent disablement on a trip caused by an accident (increases to up to £250,000 when travelling on a public vehicle)

Key exclusions and limitations

* Terrorist activities except on a public vehicle

* Participating in or training for professional sports

* Work-related accidents

* The benefit amount for death is reduced to £10,000 for children under the age of 16

- Up to £25,000 legal defence costs and legal costs in pursuit of compensation

- Up to £1,000,000 for legal liability for injuring another person, or damaging their property or possessions

Key exclusions and limitations

* Legal costs in pursuit of compensation where the Insurer feels there is no reasonable chance of winning a case or receiving compensation

* Claims made against the insured Person by family members or an employee of the insured Person

* Liability which is covered by another insurance

* Legal costs incurred when using a motorised vehicle owned or possessed by the insured Person (liability benefits may apply where the vehicle is rented)

* If legal proceedings are successful and costs are awarded in favour of the insured Person, any legal costs and expenses are to be reimbursed from costs awarded