SCHENGEN GOLD PLAN - Worldwide Excluding Iran, Syria and North Korea      


This summary does not describe all the terms and conditions of your policy, so please take time to read the policy document to make sure you understand the cover it provides.

ABOUT THE INSURER: This insurance is underwritten by Certain Underwriters at Lloyd’s and administered by All Seasons Underwriting Insurance Brokers Limited (ASUIA). Details of the name of the Syndicate can be obtained in writing to ASUIA.

PURPOSE OF THE INSURANCE: This is a travel insurance policy that, subject to the terms, conditions and exclusions contained in the policy wording, provides certain financial protection and medical assistance for your trip(s). This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms, conditions and exclusions) and ensure that it meets all of your requirements.

This policy does not provide any cover for pre-existing medical conditions.

You may already possess alternative insurance(s) for some or all features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off / policy cancellation section.

ELIGIBILITY: To be able to purchase this policy:
  • You must be a permanent resident of the United Kingdom, Channel Islands or Isle of Man.
  • You must be registered with a doctor;
  • You must purchase the policy before the trip starts; and
  • Your trip must also start and end in the United Kingdom, Channel Islands or Isle of Man.

AGE LIMITS You must be between 3 months to 75 years. Any person age 76 years and above, may be eligible for insurance subject to referral to underwriters for acceptance of cover.
Children aged 3 months to 18 years must be accompanied by their parent(s) or if they travel alone must be dropped off and picked up by an adult aged 18 years and above.

PERIOD OF INSURANCE: The policy you have purchased will run for the period of insurance shown on your confirmation invoice issued by the selling agent.

Annual multi-trip policies will not be automatically renewed.

YOUR RIGHT TO CANCEL: We hope you are happy with the cover this insurance provides. However, if after reading the policy this insurance does not meet with your requirements please contact VASCO UK within 14 days of issue and they will refund your premium in full, provided you have not travelled and no claims have occurred. If you cancel after 14 days there will be no refund of premium.

To cancel, call VASCO UK on 0207 247 3708.


In the event of an emergency please contact:

24 Hour Emergency Medical Helpline
Tel: +44 (0) 1273 624 661
Fax: +44 (0) 1273 606 390

To obtain a claims form please e-mail us or contact us at the address below. Please send all claims directly to:

Monday – Friday 09:00 – 17:00
Peek House. 1st Floor, 20 Eastcheap, London. EC3M 1EB
Tel: +44 (0) 207 481 2399 Email:

The above numbers are for the Claims Department only and should be used to discuss claims submitted and on-going issues.

HOW TO MAKE A COMPLAINT: If you wish to make a complaint you can do so by contacting:

All Seasons Underwriting Insurance Brokers Ltd.
Peek House, 1st Floor, 20 Eastcheap, London, EC3M 1EB
Telephone: 020 7481 2399

You may at any time as Lloyd’s complaints department to review your complaint. Lloyd’s contact details are:

One Lime Street, London, EC3M 7HA
Telephone: 020 7327 5693

If you remain dissatisfied your complaint may be referred to the Financial Ombudsman Services, the address is:

Financial Ombudsman Service
Exchange Tower, London, E14 9SR
Telephone: 0800 023 4567 or 0300 123 9123

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:

FINANCIAL SERVICES COMPENSATION SCHEME: Lloyd's Underwriters are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the Scheme if a Lloyd's Underwriter is unable to meet its obligations to you under this insurance.

If you are entitled to compensation under the Scheme, the level and extent of the compensation will depend on the nature of this insurance. Further information about the Scheme is available from the Financial Services Compensation Scheme (10th Floor, Beaufort House, 15 St. Botolph Street, London EC3A 7QU) and on their website:


Please Note: The level of cover that you have selected will be shown in your Travel Insurance Documents.

All limits and amounts are expressed in British Pounds Sterling (GBP) – PER PERSON
1 Personal Accident (Accidental Death and Disablement as outlined in the Wording) 15,000
2 Medical & Other Expenses including Emergency Evacuation/Repatriation Expenses (except sub-limited to in respect of the following):
Up to 125,000 (Sub-limits as below)
  Funeral expenses & cost of transporting the remains/ashes to Country of Domicile/Residence Up to 7,000
  Cremation/Burial Abroad Up to 750
  Emergency Dental Care Up to 1,000 (120 per tooth)
3 Cancellation and Curtailment Up to 3,000
4 Baggage & Personal Effects: Up to 1,000
  Single Article Limit
Jewellery and Valuables Limit
5 Delayed Baggage Up to 500 after waiting period 4 hours
6 Secure Wallet:
  Credit Card Fraud Up to 500
  Paper (excluding Passport) Not Covered
  Keys Not Covered
  Mugging Not Covered
7 Money, Travellers Cheques/Documents/Passport Up to800 (Loss of Money, Travellers Cheques Sub-Limit to up to 500)
8 Travel Delay 0r For Missed Departure 50 per hour (after first 4 hours waiting period) / Max 500 or Not Covered
9 Legal Expenses Not Covered
10 Advance of Bail Bonds Not Covered
11 Hijack and Kidnap Not Covered
12 Terrorism but excluding War and Nuclear, Chemical or Biological Covered for Sections 1 & 2
13 Sports, Leisure Activities including Winter Sports – sub-limits to apply in respect of: Covered for Sections 1 & 2
  First Aid and/or Rescue Up to 10,000
  Ski Equipment Up to 500
  Single Article Limit 180
  Ski Equipment Hire 25 per day – Max 12 days
  Ski Pack Up to 200
  Piste Closure 30 per day – Max 5 days
  Avalanche or Landslide 15 per day – Max 10 days
  Golf Cover  
  Golf Equipment Up to 500
  Single Article Limit 180
  Golf Equipment Hire 25 per day – Max 7 days
  Non-Refundable Golfing Fees 20 per day – Max 5 days
  Hole-in-One Up to 500


All Policy Excess/Deductible amounts are expressed in British Pounds Sterling (GBP) and apply on each Section EACH AND EVERY CLAIM PER PERSON

Section 1 Personal Accident Nil
Section 2 Medical and other Expenses GBP 60.00 except GBP 100 for Gold Plan only
Section 3 Cancellation and Curtailment GBP 100.00 (although deposit only claims GBP 50.00 each)
Section 4 Baggage & Personal Effects 5% of Claimed Amount, Minimum GBP 50.00
Section 5 Delayed Baggage 4 hours
Section 6 Secure Wallet GBP 60 for Credit Card Fraud but Nil for Paper (excluding Passport), Keys & Mugging
Section 7 Money, Travellers’ Cheques / Documents / Passport 5% of Claimed Amount, Minimum GBP 50.00
Section 8 Travel Delay and Missed Departure 4 hours
Section 9 Legal Expenses GBP 50.00
Section 10 Advance of Bail Funds GBP 150.00
Section 11 Hijack and Kidnap Nil
Section 12 Terrorism but excluding War & Nuclear, Chemical or Biological as per relevant Sections covered
Section 13 Sports, Leisure Activities & Winter Sports Excess as per relevant Sections covered but:
  First Aid and/or Rescue GBP 250.00
  Ski Equipment GBP 50.00
  Ski Equipment Hire GBP 50.00
  Ski Pack Nil
  Piste Closure GBP 50.00
  Avalanche or Landslide GBP 50.00
  Golf Equipment GBP 50.00
  Golf Equipment Hire GBP 50.00
  Non-refundable golfing fees GBP 50.00
  Hole-in-One Nil


GENERAL CONDITIONS AND EXCLUSIONS APPLYING TO THE POLICY: Below are the significant conditions and exclusions applying to the whole of your policy. The policy includes many other benefits, conditions and exclusions which can be found in your policy document.

There is no cover under any section for claims arising from
  • Pre-existing or Chronic medical conditions
  • Psychiatric disorders
  • Sexually transmitted diseases and the conditions commonly known as AIDS or HIV
  • An Insured Person being under the influence of drugs or narcotics
  • Alcohol abuse, alcoholism, substance abuse, solvent abuse, drug abuse or addictive conditions of any kind
  • Normal pregnancy or childbirth, without any accompanying complications of pregnancy and childbirth.
  • Please refer to the Policy Document for the full Terms, Conditions and Exclusions of this Insurance.

HAZARDOUS SPORTS & LEISURE ACTIVITIES: You are not covered for taking part in any Hazardous Pursuit unless it is listed in the policy wording. You may be covered when participating in certain Hazardous Sports & Leisure Activities if You have paid to extend Your cover.


Section of Cover Significant Features and Benefits Significant Conditions and Exclusions
PERSONAL ACCIDENT Provides cover for costs arising in the event of illness, injury or death occurring during the trip. There is no cover for Permanent Total Disablement or Permanent Disablement for anyone over the age of 70.
The amount payable is limited to 10% for children up to the age of 18.
EMERGENCY MEDICAL & OTHER EXPENSES Provides cover for emergency medical assistance in the event you suffer an accident or become ill during your trip. Any costs over GBP 500 must be authorised in advance by the Assistance Company.
TRIP CANCELLATION OR CURTAILMENT Provides cover for pre-paid costs in the event you have to cancel or curtail your trip. There is no cover for:
  • Any circumstances known to you before you purchased the policy or at the time of booking any trip that could reasonably be expected to result in a claim.
  • Cancellation or curtailment arising from injury or illness unless confirmed by a Registered Medical Practitioner that this prevented you from travelling.
  • Claims where the Assistance Company did not confirm the necessity of your return home prior to you curtailing your trip.
BAGGAGE , MONEY, PASSPORTS & DOCUMENTS Provides cover for Your own money, documents, personal luggage and valuables if they are lost, stolen or damaged during Your trip. There is no cover for:
  • Any item left unattended unless it is deposited in a hotel safe, safety deposit box or left in your locked accommodation and a police report confirms there is evidence of forced entry.
  • Valuables whilst in checked-n baggage.
  • Loss or theft of your baggage, unless reported to the police within 24 hours of discovery.
  • Damage, loss or theft of baggage whilst in the care of a carrier, unless you formally notify the carrier and obtain a Property Irregularity Report.
  • Contact or corneal lenses, hearing aids, dental or medical fittings, sports equipment, mobile phones and other items are excluded - see your policy wording for the full list
DELAYED BAGGAGE Covers you for the cost of emergency replacement of clothing, medication and toiletries in the event your baggage is delayed. There is no cover for:
  • Compensation that can be claimed from an airline under EU travel regulations.
  • Any claims where the carrier has not provided confirmation of the reason and duration of the delay.
SECURE WALLET Provides cover for the loss or theft of your credit cards, keys and travel documents There is no cover for:
  • Any claims where the police and credit card company have not been notified within 24 hours and a written report obtained.
  • Cash or debit cards.
  • Credit cards, keys and travel documents entrusted to children.
MONEY, TRAVELLERS CHEQUES & DOCUMENTS/PASSPORTS Provides cover for the loss or theft of money, travellers cheques and documents/passports There is no cover for:
  • Money and Travellers Cheques held by children.
  • Any loss or theft not reported to the police within 24 hours.
  • Loss or theft of credit cards
  • Money, Traveller’s Cheques or documents/passports left unattended unless they are deposited in a hotel safe, safety deposit box or left in your locked accommodation.
  • Damage, loss or theft of baggage whilst in the care of a carrier, unless you formally notify the carrier and obtain a Property Irregularity Report.
TRAVEL DELAY AND MISSED DEPARTURE Compensates you in the event your trip is delayed or you miss your departure due to the failure of a carrier or other circumstances outside of your control. There is no cover for:
  • Compensation that can be claimed from an airline under EU travel regulations.
  • Strike or industrial action publicly known at the time you purchase your insurance or book your trip.
  • You abandoning your trip.
ADVANCE OF BAIL FUNDS Provides you with funds towards the cost of bail following an inadvertent contravention. There is no cover for:
  • Any claims arising in your home country.
  • Any costs incurred in relation to your imprisonment.

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