Harmonise Travel Insurance is available to people who are clients of Mercer Marsh Benefits and are permanently resident in the UK, Channel Islands and Isle of Man.

You must be in the United Kingdom, the Channel Islands or the Isle of Man at the time of purchasing this policy and your trip must start and end in the United Kingdom, the Channel Islands or the Isle of Man.

The maximum you can be when commencing cover is seventy nine (79) years old^*.

If Family cover has been selected, the maximum age of any children to be covered under this insurance is under twenty one (21) or under twenty five (25) where they are in full time education when this policy commences.

^*If you are aged over 79, we may still be able to help under our Free Spirit policy. Click here for details.

There is no limit to the number of trips you can take or the total number of days you can travel during the Period of Cover. However, the maximum duration of any one trip is sixty (60) days except for winter sports trips undertaken by the Permanent Partner and /or Child/Children without accompanying the Lead Name where such trips must not exceed seventeen (17) days in all.

Yes. Please read the Medical Declaration during the Get a Quote process on this website and answer the questions carefully. If required, you will be taken through the Medical Screening process and an additional premium maybe required.

If we are not able to provide cover under Harmonise Travel Insurance, you will be offered a link to Free Spirit, who are a specialist travel insurance provider for those with existing medical conditions.

Yes, A Trip within Your Home Area is only covered where you have pre-booked at least one (1) night’s stay in a hotel, holiday home or campsite or includes a commercial flight. However, cover for Emergency Medical and Other Expenses is excluded.

If family cover has been selected, Permanent Partners and Children of the Lead Name can travel independently.

Unfortunately not, the definition of a Family is you and your partner with whom you are living as though they were YOUR spouse or civil partner.

Yes. The definition of family is two adult partners and any number of their accompanying children (under twenty one (21) years at the date of issue of the policy, or under twenty five (25) years if still in full time education) who are the natural offspring, adopted, fostered, step child or the legal ward of one or both of the adult partners.

Yes.

IPT is Insurance Premium Tax which is levied by the government on insurance policies sold in the UK. All prices quoted include IPT.

Cover for Winter Sports can be included for an additional premium.

Winter Sports means sports that usually take place on ice or snow, including but not limited to, skiing, snowboarding, tobogganing and ice skating. However, the Insurance will not cover such activities undertaken off piste against local authoritative advice

No.

You are only covered for act of war/terrorism in respect of Expenses arising from Illness or Injury, In Patient Compensation, Curtailment and Personal Accident provided you are not actively engaged in such War and/or Act Of Terrorism, and provided that you have not travelled to or do not remain in any country or area contrary to where the Foreign and Common Wealth Office have advised against such travel.

Harmonise Travel Insurance has a 24 hour medical emergency and repatriation service. In the event of a medical emergency you must contact the medical emergency assistance service:

To be covered for in-patient hospital, clinic or nursing home expenses, additional accommodation, repatriation to your home, or curtailment of your trip, the Assistance Provider must be notified. This notification must take place within forty-eight (48) hours of admission for in-patient treatment and, in the event that you need to curtail your trip, before you leave on the return journey.

Further details of this service are shown in your Policy Wording.

Staff are on call 24 hours a day throughout the year. They will, when necessary, guarantee medical bills and arrange repatriation if required.

Note: You must retain receipts for medical & additional costs incurred.

If you are asked to pay a bill yourself including a small bill for medicines and/or outpatients you must contact the 24 hour Medical Emergency Service as soon as possible. Full details are shown in your Policy Wording.

In the event of a claim, with the exception of a Medical Emergency, you will need to contact the claims handlers

who will provide a claim form and confirm the details and documents that are required to support your claim. Claim forms may also be available on line at the web site.

Claims must be notified within thirty one (31) days after completion of the relevant trip with the exception of claims under Legal Expenses which must be notified within one hundred and eighty (180) days after the completion of the relevant trip. Further details of this service are shown in your Policy Wording.

Full details of what you need to do to make a claim are also shown in your Policy Wording on page 5.

Please note: You will be expected to follow the claims procedure shown in your Policy Wording and to substantiate your claim by providing supporting documents/receipts.

There may be an additional cost involved in amendments made to this policy. Please contact us for further details – 023 9241 9893, we are open Monday to Friday 9am-6pm, closed Bank Holidays.

Yes. You may make amendments to the number of people insured under this policy. This will be subject to our terms and conditions. Please contact us to discuss this matter further on 023 9241 9893, we are open Monday to Friday 9am-6pm, closed Bank Holidays.

You may increase your trip cover from European to worldwide. Please contact us to discuss this matter further on 023 9241 9893, we are open Monday to Friday 9am-6pm, closed Bank Holidays.

Yes. We use 256-bit encrypted SSL to help keep all of your data safe.

You can pay by debit or credit card. We accept Mastercard and Visa.

Your Schedule of Insurance and policy documents are delivered to the email address you provide.

You should print a copy of your Schedule of Insurance and policy documents and carry them with you.

The Policy Wording includes important telephone numbers including the Medical Emergency Assistance Service that is available to you 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses.

If you are not completely satisfied with the cover provided you may return your policy to us within 14 days from the date of purchase or the day on which you receive your policy documentation, whichever is the later. Provided you have not made or intend to make a claim, your premium will be refunded in full.

The lead insurer on this Insurance is Canopius Managing Agents Limited (FCA Number 204847) and they represent all subscribing insurers

The insurers are authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA's register by visiting the FCA's website at www.fca.org.uk or by contacting them on 0800 111 6768 or 0300 500 8082.

Harmonise Travel Insurance will cover all countries and areas except those which the Travel Advice Unit of the Foreign & Commonwealth Office advised against all or all but essential travel.

Please read the Policy Wording for full details of the cover.

An EHIC entitles you to reduced-cost, sometimes free, medical treatment that becomes necessary while you are in a European Economic Union (EEA) country or Switzerland. The EEA consists of the European Union (EU) countries plus Iceland, Liechtenstein and Norway. The card gives access to state-provided medical treatment only. Remember, this might not cover all the things you would expect to get free of charge from the NHS in the UK. You may have to make a contribution to the cost of your care. You may apply for an EHIC online at: www.ehic.org.uk or by calling 0300 330 1350. Please note: An EHIC is no substitute for travel insurance cover.

Yes. Please contact us for further details – 023 9241 9893, we are open Monday to Friday 9am-6pm, closed Bank Holidays with your policy number (if known), the lead name and the address (for verification) and we will then resend the policy.

Our aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently and fairly. At all times we are committed to providing you with the highest standard of service.

If you have any questions or concerns about your certificate or the handling of a claim you should, in the first instance, contact your scheme administrator whose contact details are shown in the schedule of Insurance.

In the event that you remain dissatisfied and wish to make a complaint, you can do so at any time by referring the matter to:

The Group Data Protection Officer,
Canopius Managing Agents Limited, Gallery 9, One Lime Street, London EC3M 7HA
Telephone: +44 (0) 20 7886 9000
E-Mail: privacy@canopius.com

If you are still not satisfied with our response, you may then refer your complaint to the complaints team at Lloyd's.
The address of the complaints team

At Lloyd's is:
Complaints, Lloyd's
One Lime Street, London EC3M 7HA
Tel: 020 7327 5693 complete.
Fax: 020 7327 5225
Website: www.lloyds.com/complaints
Email: complaints@lloyds.com

Details of Lloyd's complaints procedures are set out in a leaflet “your complaint –
How we can help” available at www.lloyds.com/complaints and are also available from the address provided.

If you remain dissatisfied after Lloyd's has considered your complaint, you may
Refer your complaint to the Financial Ombudsman Service (FOS). The contact details are:
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Tel: 0800 023 4 567 (calls are free from “fixed lines” in the UK) or;
0300 123 9123 (call charges may apply in the UK)
Email: complaint.info@financial-ombudsman.org.uk

If YOU have purchased YOUR policy online YOU can also make a complaint via the EU's online dispute resolution (ODR) platform. The website for the ODR platform is: http://ec.europa.eu/odr

Making a complaint does not affect your right to take legal action, however, FOS will not adjudicate on any cases where litigation has commenced.