Some words have a specific meaning within the policy. Check the policy definition rather than relying only on the word’s everyday meaning.
What this article helps you do
This article explains how policy definitions work and provides examples of common defined terms.
Applies to
- Policies: AllClear Silver, Gold, Gold Plus and Platinum
- Important: A definition explains what a term means. It does not confirm that a particular claim or situation is covered.
Quick answer
- Defined words have a specific meaning throughout the policy.
- Read each definition alongside the relevant cover section, conditions and exclusions.
- Check your policy schedule for information specific to your cover.
- The examples below are not a complete list of all defined terms.
Examples of key policy terms
Accident
A sudden and unexpected event caused by external and visible means at an identifiable time.
Cutting your trip short
Returning early to your home in the United Kingdom.
Excess
The first part of an eligible claim that you must pay.
The excess can vary depending on the policy section and the cover you selected.
Fit to travel
Being reasonably expected to complete your trip without needing medical assistance or treatment.
This takes into account:
- Your health
- Your destination
- The length of your trip
- Your planned activities
- Your method of travel
Home
Your residential address in the United Kingdom.
Home country
The United Kingdom if your home is there, or the Isle of Man or Channel Islands if your home is on one of those islands.
Insured person, you or your
Each person travelling on the trip who is named on the policy schedule.
Immediate relative
The policy lists specific family relationships, including:
- Parents and partners
- Children
- Grandparents and grandchildren
- In-laws
- Step-relatives
- Legal guardians
Medical practitioner
A registered and practising medical professional who is not related to you or to anyone you are travelling or staying with.
Pre-existing medical condition
A disease, illness or injury that falls within the policy’s medical health disclosure requirements.
Trip
A holiday or leisure journey during the period of cover that begins and ends in your home country.
Unattended
Property that is not in your full view, or where you cannot prevent it from being taken, unless it is secured as described in the policy.
Why definitions matter
A policy definition may be narrower or more specific than the everyday meaning of a word.
Always read the full definition together with the relevant cover section, conditions, exclusions and policy schedule.
Still need help?
Read your policy documents for the full definitions and terms that apply to your cover.
Eligibility requirements, policy terms and exclusions apply. Please refer to your policy documents for full details.
This information is for general guidance only and does not constitute medical advice.