Travel Cover Summary

Travel Cover Provider

UM Association Ltd (UMAL)

Schedule Reference Number


Covered Persons

All employees and all students of the University.

Claims Procedure

In the event of a claim:

Please contact for a claim form and guidance. Forms are also available from the UMAL website.

Please remember:

Before you travel:

Download the GlobalRiskManager app for travel advice, security information and to receive alerts for any incidents occurring in your destination country or region. Alerts can be configured by country, proximity, severity and/or category depending on your requirements.

Medical Expenses (excluding within the UK) – up to £10,000,000

Cover not applicable if travelling against medical advice.

Global Response – Emergency Advice and Assistance

In the event of an emergency while travelling, contact Global Response. This service is operated by a multi-lingual team available 24 hours a day, 365 days a year. Global Response will decide on the most appropriate course of action to help you through an emergency.
Telephone:    +44 (0) 2920 662 425
Reference:    UMAL/113
Contact Global Response before incurring any substantial medical expenses or being admitted as an inpatient at any hospital, clinic or nursing home. Do not arrange repatriation without the prior approval of Global Response.


Services available from Global Response include:


To ensure that the assistance service operates smoothly when you need them most, in the event of an emergency or if you require repatriation you must:


Personal Belongings/Business Equipment – up to £10,000/£5,000

You must report any loss, theft or damage to police or airline within 24 hours and obtain a written report.

Do not pack money or valuable items in your checked-in luggage.  Retain these as hand luggage.

Excludes personal mobile phones (other than business equipment)


Money – up to £5,000 (cash limit £2,500)

You must report any loss or theft to police or airline within 24 hours and obtain a written report.
  • £50.00 claim excess
  • Credit card misuse following loss/theft up to £3,000 (payable in addition to money limit)
  • Loss of travel documents up to £2,000 (payable in addition to money limit)

Disruption – up to £20,000

  • Cancellation up to £20,000 – any reasonable cause outside your control (prior to departure)
  • Curtailment up to £20,000 – specified causes
  • Rearrangement up to £10,000 – any reasonable cause outside your control (after departure)
  • Travel delay up to £500 – paid as £50 for each consecutive period of six hours if strike, weather conditions or breakdown delays the departure of your aircraft or other public transport - exclusions apply, please review schedule wording.  
  • Hijack up to £5,000 – paid as £100 for each day you are detained
  • Includes Domestic Travel Expenses up to £5,000 and Replacement Expenses up to £10,000


NOTE: There is no cover for anything arising out of Covid19 for journeys booked after 18/3/2020

Personal Injury – up to £50,000


NOTE: No cover for use of intoxicating liquor or drugs

Personal Liability – up to £5,000,000

Political Evacuation – up to £50,000

Legal Expenses (underwritten by Markel Legal Expenses Insurance) – up to £25,000

Legal proceedings entered into in the USA or Canada are not covered.



RiskMonitor Travel
Staff & students will have access to an online platform, RiskMonitor Traveller, which combines 24/7/365 realtime alerts with country analysis and advice delivered through a single web portal and mobile app, giving you valuable information to properly prepare yourselves for travel, mitigate risks and provide timely and accurate intelligence with actionable advice when incidents do occur. To access the new online intelligence platform:
You can also download the GlobalRiskManager app:
App Store Icon      Google Play Icon
You can also find these apps by searching for DrumCussac or GlobalRiskManager
PLEASE NOTE: It’s the BLACK Drum Cussac app (there is also an old blue one in the app store for a legacy platform)
Both the web service and app can be configured to provide travel alerts based on country or region, severity of event, category and proximity. Instructions to do so can be found on the UMAL website.
Travel Prepare
We are also providing staff & students with access to TravelPrepare, an expanded e-learning facility to assist both staff & students prior to travel. To access this service:


Foreign & Commonwealth Office (         

Country by country travel advice provided by the Foreign & Commonwealth Office 

Travel Tips (

Useful travel tips from the University’s insurer, UMAL.

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