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Worldwide Travel Options - 2009 travel insurance. Cover and benefits: ( Castellano ) In accordance with the Danish Insurance Contracts Act. Index Cover and benefits POLICY CONDITIONS Art 19 Trip Cancellation Option 19.1 If the policyholder has chosen the Trip Cancellation Option, the insurance shall provide compensation for the amount that the insured has paid for his / her trip and for which there is no possibility of a refund in case of cancellation and / or change in itinerary according to the conditions of the travel agency or airline company. The amount reimbursed will be subject to the insured providing satisfactory evidence of actual costs incurred. The maximum reimbursed amount per insured per trip is USD 2.000 / EUR 1.450 / CHF 2.200 / GBP 1.100 under Single Trip and USD 1.500 / EUR 1.100 / CHF 1.650 / GBP 850 under Annual. 19.2 The right to compensation shall cease when the insured leaves his / her country of permanent residence to start the trip. The start of the trip is defined as passing border control or embarking on an aircraft, a ship or a train. 19.3 The insurance provides cover in the event that the insured cannot travel because he / she or a close relative dies, becomes seriously ill or injured requiring hospitalisation or when the insured is declared medically unfit to travel. It is a condition for cover that the death, illness including any symptoms thereof or injury, occurs after the insured has booked and / or paid for the trip. In the case of a covered incident resulting in cancellation, a single co-insured traveller's costs will also be covered. Where the insured is travelling with his / her co-insured spouse and / or children, these family members will be covered. 19.4 Exceptions to cover: The Company shall not be liable to pay reimbursement for expenses which concern, are due to or are incurred as a result of: a) if the illness, injury or the cause of death, which results in the cancellation, has shown symptoms or was present when the trip was booked and / or paid for, and the need for treatment could therefore be expected before the commencement of the trip. b) if the insured has not received medical treatment, has refused or given up treatment, even though the insured should know that the illness / disorder ought to be treated, or has deteriorated. c) if the cancelled trip is a part-arrangement of the whole insured trip. d) if the cancellation is due to a change in travel plans, change of mind, changed conditions at the destination, natural catastrophes, acts of terrorism or similar situations. e) if the claim has occurred directly or indirectly due to the insured's intentional actions, gross negligence or omissions, unless it can be proved that the claim has no connection thereto. 19.5 In case of a claim the insured must notify the travel agency / airline company immediately. The insurance does not provide cover if cancellation takes place later than the time of departure. 19.6 In the case of a claim it is a condition that the insured obtains medical information with a diagnosis from the attending physician and that the insured, upon request, gives the Company's medical consultant access to all relevant medical records or reports, including information about previous courses of illness. In case of death the death certificate must be included.
POLICY CONDITIONS ( Policy Conditions )
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