What documents do I need?

Flight or travel delay occurs when your scheduled flight/transport is delayed beyond is expected departure time.

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area
• Delay report from the airline/travel agent confirming why you were delayed and how long for

A cancelled trip happens when you're unable to go on your holiday due to reasons like illness, injury, or unexpected events beyond your control.

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip
• Cancellation invoice - showing the date of cancellation and how much you'll be refunded

Injury, Illness or Death

• Death certificate (if applicable)
• Medical report of GP letter
Download medical form
• Covid test evidence - We will accept a medical practitioner’s report confirming unfit to travel as like any other illness.

Non-Medical

• Letter/summons from court if you're called for jury service or as a court witness
• Letter from an employer if you're being made redundant or if you are a member of the Armed Forces, police, fire or medical professional and leave is cancelled
• Police report if your travel documents have been stolen or if your home is damaged and is unsafe to be left unattended

Medical expenses abroad refer to unforeseen and unexpected costs incurred while traveling in another country due to non-emergency healthcare needs.

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area

Illness or Injury Expenses

• Receipts, Invoices for medical expenses you had to pay
• Receipts for extra accommodation and travelling expenses you had to pay
• Medical Report from the hospital that confirms why you were admitted, the date you were admitted, and the date you were discharged
Download medical form

Dental Expenses

• Receipts, Invoices for dental expenses you had to pay
• Dental Report from the facility to confirm the treatment received

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area.

Loss of Theft

• Police report which confirms the date of the loss/theft and lists the items lost/stolen
• A Property Irregularity Report (PIR) from the airline if items were lost/stolen while in their care
• Proof of ownership (including value) such as receipts
• Mobile phones - proof of contact to the service provider to discontinue service from the date of loss/theft, IEMI, and the date the phone was ceased

Damage

• A Property Irregularity Report (PIR) from the airline if items were lost/stolen while in their care
• An estimate of repair or report from a reputable repairer confirming the item is beyond economical repair

Missed departure occurs when you fail to reach your international departure point in order to take your scheduled transport, this section aims to cover costs involved in you reaching your overseas destination or returing back home.

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area.



One of the following

• Letter from the public transport operator confirming the cause of the delay or cancellation of services
• Report from the motor vehicle recovery or repair service
• Letter from the airline confirming the flight diversion causing a delay
• Letter from the relevant authority confirming that the results of the Covid test were delayed and so causing your missed departure
• Police Report confirming your travel documents were stolen while abroad

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip
• Cancellation Invoice showing details of any refunds given/due for unused parts of your original trip (flights, accommodation, car hire, excursions, etc)

One of the following

• Medical report/letter from treating doctor aboard which explains why you had to cut short your trip (if due to a close relative at home, then we'll need a report or letter from their GP)
Download medical form
• Death certificate (if applicable)
• Covid test evidence - A positive test result from a GP, Hospital, or Private Test company. Photo evidence is acceptable if self-administered
• Police Report confirming your home was damaged and unsafe to leave unattended

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip
• Letter from the original accommodation manager confirming why the accommodation had to close and for how long
• Receipts for extra accommodation costs you had to pay

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip

Medical-related winter sports claims

• Receipts/Invoices for ski pack that wasn't used due to cancelling or cutting short your trip
• Letter from treating doctor confirming why you weren't fit to ski

Piste closure

• Letter from ski resort confirming why piste was closed
• Evidence of costs to go to an alternative area to ski or that there were no other suitable alternative
• If due to avalanche/landslide - evidence of refunds for unused accommodation and evidence of cancelled/curtailed public transport

Winter Sports Equipment

• Written report confirming details of loss,theft, or damage
• Proof of ownership such as receipts/hire invoice
• Proof of ownership (including value) such as receipts
• Evidence of the damage

• Policy Certificate
• Booking invoice - showing your dates of travel to/from your home area and the full breakdown of the cost of your trip
• A Property Irregularity Report (PIR) from the airline if items were lost/stolen while in their care
• Receipts for the essential items you had to buy while your luggage was delayed