Please call 0330 041 2191 or email firstname.lastname@example.org
Also, please note the following numbers for emergency medical treatment under an Emerald travel policy taken out BEFORE 1 June 2018:
Inpatient treatment, anywhere in the world:
Tel: +44 113 3180 197
Fax: +44 113 3180 198
Outpatient treatment, anywhere in the world, excluding North America and the United Kingdom:
Tel: +44 113 3180 124
Fax: +44 113 3180 125
Outpatient treatment, in North America and the United Kingdom:
Tel: +44 (0) 113 3180 197
Fax: +44 (0) 113 3180 198
Please call 0333 234 3721 / email@example.com or for Consular Assist call +44 (0)33 33 70 70 70
Also please note these specific numbers for various specific sections of an Emerald Life travel policy taken out AFTER 1 June 2018:
In the case of a Medical Emergency:
Contact Global Response on 0343 658 0345 or email firstname.lastname@example.org
Claims under Section B – Optional Gadget cover:
Contact Trent - Services (Administration) Ltd at:
Trent - Services (Administration) Ltd,
Or on phone number 01285 626020, email: email@example.com or by fax 01285 626031.
Your policy can be extended to cover the following winter sports when you have paid the additional winter sports premium, but no cover will apply in respect of any Personal Accident or Personal Liability claims:
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following winter sports:
If your travel arrangements change then you must call Rock Insurance immediately on 0343 658 0353. You must be able to provide the correct period of insurance on your documentation in the event of a claim.
OPTIONAL SPECIAL SPORTS & ACTIVITIES COVER
What is covered:
Category A sports are automatically covered under your policy. Category B, C and D sports will be covered upon payment of an additional premium. Payment for additional categories includes coverage for all preceding categories (e.g. if you pay Category D you will be covered for A, B and C also) and will be noted on your certificate of insurance.
You are not covered for taking part in any sports or activities unless they are listed below.
Cover for the following activities is included for recreational, amateur purposes only. When participating in your activity you must ensure that it is adequately supervised and appropriate safety equipment is worn/used at all times.
Horse ridingDNo Polo, Hunting, Jumping or Racing
|Abseiling||C||Must be within organiser’s guidelines|
|Bungee jumping||B||No Personal Accident cover|
|Cycling||A||No Tours. No Personal Liability cover|
|Deep sea fishing||B|
|Dry slope Skiing||C|
|Fell walking, rambling & trekking||A||Up to 2,000 metres altitude|
|Go karting||B||Up to 120cc. No Personal Liability cover|
|Hiking||A||Up to 2,000 metres altitude|
|Hiking||B||Between 2,000 and 6,000 metres|
|Hot air ballooning||B||As a passenger only|
|Martial Arts||B||Training only|
|Motorcycling||B||Over 50cc and under 250 cc - no racing as a rider or passenger when wearing a helmet provided the rider holds an appropriate UK motorcycle licence to ride the motorcycle. No Personal Liability cover|
|Mountain biking||C||Excluding competition/racing|
|Parachuting||D||Tandem only – no cover for solo|
|Parascending||A||Towed by boat. No Personal Liability cover|
|Rafting, canoeing and kayaking||B||including white water up to grade 3. No Personal Liability cover|
|Rafting, canoeing and kayaking||C||including white water up to grade 4. No Personal Liability cover|
|Rafting, kayaking and canoeing||A||No white water|
|Safari||B||Not involving use of firearms (not walking safari)|
|Sailboarding||C||Must be inland waters or coastal waters within a 12 mile limit from land|
|Scuba diving||A||To a depth of 18 metres|
|Scuba diving||D||Depth of between 18 and 30 metres if BSAC, PADI, DIWA, SSI or SAA member|
|Snooker, pool and billiards||A|
|Surfing||A||No Personal Liability cover|
|Swimming||A||Must be undertaken in a pool, inland waters or coastal waters within a 12 mile limit from land|
|Trekking||B||Between 2,000 and 6,000 metres altitude|
|Triathlon – Road Bike||B|
|Water polo||Included||No Personal Liability or Accident cover|
|Water skiing||A||Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover|
|Windsurfing||A||Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover|
|Work Abroad||D||No Personal Liability or Personal Accident cover. Manual work will be ground level only and no machinery|
|Yachting, boating, sailing and rowing||A||Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover|
If you are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call our Travel Helpline as quoted on your certificate of insurance.
We'll notify you by email when your multi-trip cover is about to expire, and you can choose to renew 1t for another year. If you want to renew your Emerald policy, don't wait until you're on holiday, as you can't renew a policy once you're already travelling.
No. To get our travel insurance, you still need to be in the UK.
If you are HIV+ and:
then you do not need to declare HIV as a pre-existing medical condition, and if that is your only medical condition then you do not need to go through medical screening. If you do not meet the conditions above or have other pre-existing medical conditions, then you will need to continue the medical screening and declare those pre-existing medical conditions.
The purpose of this question is to clarify if you have any conditions that might need to be declared and/or which might (only might) result in increased premiums. Not all conditions increase the risk of falling ill while you are travelling but some might.
There is a help note beside the "pre-existing medical conditions" question (click on the"?" hover button beside the question), clarifying that if you are trans you should answer 'yes' to this question. This leads to three more questions to understand if a more detailed medical screening process is needed. One of the questions asks if you have seen a specialist, consultant or doctor in the last 12 months. If the answer to this question is yes, you will need to proceed to the medical screening process.
In the medical screening process, you are asked to tell us any pre-existing medical conditions and procedures. To be clear, there is no 'condition' of being trans. If you are trans, there may be certain specific procedures you have had as part of transitioning which may increase your risk of falling ill while travelling, and which therefore should be disclosed as part of the application process. Pre-existing conditions or procedures will not necessarily mean that your premium will increase, but they must be disclosed to allow us to accurately calculate the correct premium.
You do not need to tell us if you are taking PrEP, provided that you have not previously had a positive test result for HIV. If you have previously had a positive test result for HIV, then please see the question above “What if I am HIV+”.
You do not need to tell us if you are on birth control tablets, unless this has caused any health issues.