FinanceTravel cover summary

Travel cover summary
Travel cover provider UM Association Ltd (UMAL)
Schedule reference number UMAL/113
Covered persons All employees and all students of the University.

Claims procedure

In the event of a claim

Please contact insurance-services@strath.ac.uk for a claim form and guidance. Forms are also available from the UMAL website.

For claims under the Legal Expenses policy, contact DAS on +44 (0) 344 893 8165, quoting policy number TT26962060

Please remember:

  • always carry the schedule summary with you when travelling
  • keep a separate record of the IMG contact details
  • give details to a travelling friend, relative or colleague just in case you are unable to make the call yourself

Before you travel

Download the Crisis24 Horizon 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.

See pre-travel advice for details on registering.

Key points

  • Always carry the schedule summary with you when travelling
  • This is not private medical insurance. You are not covered for routine, non-emergency treatment, any elective treatment or anything that can reasonably wait until your return home.
  • For minor ailments, you should seek advice from a local pharmacist in the first instance. If the condition does not resolve, or if it worsens, you can contact International Medical Group (IMG) for advice on the best course of action. Contact details are on the back page of this document.
  • Medical expenses for treatment of COVID-19 are covered.
  • Costs for COVID-19 tests are not covered.
  • There is no cover under the disruption section for anything arising out of COVID-19 other than cancellation or rearrangement solely due to the person covered contracting COVID-19 and being unable to depart on the Journey or return home at the end of the Journey (limit £1,000). Proof of a positive PCR test will be required.
  • Any evidence required in support of a claim must be provided by you at your own expense
  • If travelling to a country that is subject to international sanctions you should check with your institution as to any special procedures that apply to ensure sanctions are not breached. We will not provide any cover or pay any claim that would expose us to any international sanctions.
  • Claims must be notified to us as soon as possible but in any event within 30 days of the circumstances arising. See “In the event of a claim” for details of how to do so.

Important

Staff and students travelling abroad are responsible for ensuring that they are not travelling against the advice provided by the Foreign & Commonwealth Office. You will be asked, when completing the travel notification form, to confirm the advice provided by the Foreign & Commonwealth Office for the country you are travelling to.

International Medical Group (IMG) - emergency advice & assistance

In the event of an emergency while travelling, contact IMG. This service is operated by a multi-lingual team available 24 hours a day, 365 days a year. IMG Response will decide on the most appropriate course of action to help you through an emergency.

Telephone: +44 (0) 2920 662 425

Email: UMAL@global-response.co.uk

Reference: UMAL/113

Contact IMG 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 IMG. Medical expenses over £300 and any repatriation expenses will not be covered without the prior approval of IMG.

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:

  • Telephone IMG in the UK using the number shown above and remember to use the correct international dialling code from the country in which you are calling
  • Quote your Policy Number (see above), the title of your Institution and your Name
  • Give the telephone number where you can be contacted
  • Give details of anyone you would like to be contacted - relative, friend, employer

 

Cover details

Cover not applicable if travelling against medical advice.

What is covered

  • Emergency medical expenses incurred outside of UK as a result of bodily injury or sickness up to £10,000,000
  • Supplementary travel expenses up to £15,000
  • Funeral expenses up to £10,000 and repatriation of remains up to £50,000
  • Search and rescue expenses up to £25,000
  • In-patient supplementary benefit outside UK - £50 each 24 hours for up to 1 year
  • Medical expenses in UK for necessary follow-up hospital in-patient treatment up to £50,000 where such treatment is not otherwise available from the NHS and with the prior approval of IMG (maximum 3 months)

Main exclusions

  • £100 deductible for first claim in any covered journey increasing to £200 for any further claims during the same covered journey. For claimants using an EHIC/GHIC to reduce the cost of treatment the deductible will be waived
  • Travel against medical advice or for the purpose of obtaining medical treatment
  • Expenses incurred as a consequence of the use of alcohol or drugs or arising out of any sexually transmitted disease
  • Any medical expenses in excess of £300 and any repatriation expenses incurred without the prior approval of IMG
  • Dental/optical treatment other than for immediate relief of pain
  • Routine management or monitoring of pre-existing medical conditions
  • Air travel other than as a passenger
  • Routine management or monitoring of pre-existing medical conditions

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).

What is covered

  • Personal belongings up to £10,000
  • Business equipment up to £5,000
  • Emergency purchases – up to £2,000
  • Loss of keys/replacement locks – up to £1,000
  • Single article limit - £2,500
  • Accidental damage to laptops, tablets or ipads limit - £250
  • Personal belongings and business equipment are limited to items that are intended specifically to be worn or carried by a person

Main exclusions

  • Personal belongings deductible - £50
  • Business equipment deductible - £100
  • Laptop, tablet or ipad deductible - 10% of claim (min £50 for personal belongings, £100 for business equipment)
  • Mobile phones (other than business equipment) sunglasses, spectacles, drones or micromobility devices
  • Valuable items in checked-in luggage when in transit
  • Any loss or damage not reported to either the local police or, where appropriate, the airline (or other carrier) within 24 hours and a written report obtained
  • Loss or damage to property left overnight in or on a vehicle or at any other time unless in a locked garage or kept out of sight in a locked boot
  • Property left unattended or unsupervised in the open or any public space
  • Losses from restaurants bars public houses nightclubs or similar venues
  • Unsubstantiated or unexplained losses

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

What is covered

  • Money up to £5,000 (Cash limit £2,500)
  • Credit card misuse following loss/theft of credit card – up to £3,000 (payable in addition to money limit)
  • Loss of travel documents – up to £2,000 (payable in addition to money limit)

Main exclusions

  • £50 deductible
  • Any loss or damage not reported to the local police within 24 hours and a written report obtained
  • Loss or damage from any unattended vehicle or unaccompanied baggage
  • Money left unattended or unsupervised in the open or any public space
  • Losses from restaurants bars public houses nightclubs or similar venues
  • Unsubstantiated or unexplained losses

What is covered

  • Cancellation up to £20,000 - any reasonable cause outside the control of the travelling person (prior to departure)
  • Curtailment up to £20,000 – specified causes
  • Rearrangement up to £10,000 – any reasonable cause occurring outside the control of the travelling person (after departure)
  • Travel delay - £50 for each full consecutive period of 6 hours, up to a maximum of £500, if strike, weather conditions, or breakdown causes delayed departure of your aircraft or other public transport
  • £100 for each day you are detained (maximum 50 days)
  • Includes domestic travel expenses up to £5,000 and replacement expenses up to £10,000

Main exclusions

  • Anything arising out of COVID-19 for journeys booked after 18 March 2020 other than Cancellation or Rearrangement solely due to the Person Covered contracting COVID-19 and being unable to depart on the Journey or return home at the end of the Journey (limit £1,000). Proof of a positive PCR test will be required.
  • Travel against medical advice or to obtain medical treatment
  • Disinclination to travel or disruption or cancellation due to financial circumstances
  • Financial failure of airline or other transport or accommodation supplier or any agent or organiser

What is covered

  • Up to £50,000 payable in the event of accidental death, loss of limb or eye or permanent inability to work again
  • Includes disability assistance, moving costs, retraining expenses and coma benefit

Main exclusions

  • Gradually operating causes
  • Criminal acts civil commotion or riot
  • Committing or attempting to commit suicide or intentional self-injury
  • Use of alcohol or drugs
  • Engaging in military naval or air services
  • Air travel other than as a passenger
  • Travel against medical advice or to obtain medical treatment

What is covered

  • up to £5,000,000 if you become legally liable to pay damages in respect of accidental bodily injury (which includes death illness and disease) to a person and/or accidental loss of or damage to material property

Main exclusions

  • Liability to your family or anyone employed by you
  • Ownership possession or use of any land or building (other than temporary rented accommodation) or the ownership of any animal
  • Ownership possession or use of any mechanically propelled vehicle
  • Criminal wilful or malicious acts or omissions
  • Use of alcohol or drugs
  • Arising out of the person covered’s trade business or profession
  • Contractual liability
  • Punitive or exemplary damages

What is covered

Reimbursement of evacuation expenses up to £50,000 following formal advice to leave the destination country.

Main exclusions

  • Evacuation more than 10 days after Formal Advice to leave the country
  • Dishonest or criminal acts committed or attempted by the Person Covered or alleged violation of the laws of the destination country unless we deem such allegations to be fraudulent
  • Failure to maintain required documents or visas

What is covered

  • up to £25,000 to help you recover damages or compensation from a third party following an event which results in bodily injury to you or financial loss suffered resulting from the breach of any travel or accommodation contract
  • up to £25,000 to help you in the defence of criminal proceedings brought against you

Main exclusions

  • Legal proceedings entered into in the USA or Canada
  • Defence of criminal proceedings for parking offences assault sexual offences or alleged illegal use of drink or drugs
  • Any disputes or legal proceedings in relation to any vehicle hire or rental
  • Defence of criminal proceedings for fraud dishonesty or criminal damage (unless a not guilty plea is maintained throughout)

Risk Monitor Travel

Staff and students will have access to an online platform, RiskMonitor Traveller, which combines 24/7/365 real-time 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:

  1. Visit drum cussac
  2. Enter your institutional email address (ending .ac.uk), click register and follow the instructions online
  3. A verification email will be sent. Click the link, create your password and you’re good to go!

You can also download the GlobalRiskManager app:

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:

  1. Visit Travel Prepare registration
  2. Enter your ‘.ac.uk’ e-mail address and the re-captcha code and click ‘submit’
  3. A verification email will be sent. Click the link, add your details and create your password
  4. Day to day log in to the platform (once self registration is completed) is Travel Prepare platform