Does King’s College London cover travel insurance for international opportunities?

• Medical & other Emergency Travel Expenses (minimum of £30,000) including cover for Covid-19 Unlimited
• Repatriation Expenses Unlimited
• My Lifeline Assistance Unlimited
• Legal Expenses £50,000
• Personal Liability £5,000,000
• Personal Property £10,000
• Business Equipment £3,000
• Personal Money £5,000
• Cancellation, Curtailment, Rearrangement, Replacement, Missed Departure & Travel Delay £10,000
• Cancellation, Curtailment, Rearrangement, Replacement & Travel Delay due to a Natural Catastrophe £10,000
• Cancellation, Curtailment, Rearrangement, Replacement & Travel Delay due to a Pandemic (aggregate limit) £50,000
• Political and Natural Disaster Evacuation (aggregate limit) £100,000
• Vehicle Rental Excess £1,000

• If travel is within the UK, cover will not apply for medical expenses, as this would be available under the NHS.
• If any trips are cancelled due to valid COVID claims (eg. the traveller has COVID and is due to travel to a country where there is no travel advisory such as a green zone), then the policy will protect costs of lost deposits up to a maximum of £50,000 and in total for the policy year across all claims.
• If travel is booked to a UK FCDO country/territory where there is no travel advisory (a green zone) then cover will apply in full, including emergency medical expenses.
• If travel is booked to a UK FCDO country/territory whereby the UK FCDO travel advisory is “against all but essential travel” (an amber zone) or “against all travel” (a red zone) then cover will operate, including emergency medical expenses, with the exception of Cancellation/Curtailment, Political Evacuation and Crisis Management.
• If a trip is booked and the UK FCDO advice is green, but prior to departure, changes to amber or red – then claims can be made for the trip cancellation as this would be a change in circumstances out of the traveller’s control and unforeseeable.
• In the event that a traveller has not got COVID but must self-isolate because a family member tests positive when a trip is due, the travel insurance policy for travel disruption would respond up to the aforementioned £50,000 any policy year.
• Insurers will rely upon independent validation of a traveller (or their family members) to confirm contraction of Covid-19, or any other illness. Therefore, this would require evidence to support contraction of Covid either by way of a Medical Note or an independent/private PCR test. Home LFT tests which are then logged on the NHS website will not be considered as sufficient evidence to support claims. Of course, travellers can continue to undertake home testing as a precautionary or early indication tool.
• Emergency Medical Expenses cover applies regardless of travel advisories in place. Pre-existing medical conditions are covered in full (for trips less than 12 months). Insurers do not require notification of any known medical conditions. Travel must not be undertaken against the advice of a medical practitioner. If a traveller contracts COVID whilst on an insured trip, the policy will respond and cover any medical treatment costs incurred.
• If there are any mandatory quarantine rules in place upon a traveller returning to the UK, and were not in place at time of departure, then these costs are covered by the travel insurance policy up to a maximum of £1,000 per person and £10,000 during the policy year.
• Other scenarios/claims can be submitted to insurers to review.

The AIG policy is supported by specialists Lifeline Plus in the provision of Medical and Emergency Assistance. These third-party service providers are approved by AIG.

Assistance from LifeLine Plus can be accessed by telephoning +44 (0) 1273 456 463, 24 hours a day, 365 days a year quoting the policy number of 0010016146 before incurring any substantial medical, security or additional travel costs, otherwise possible claims may be invalidated. Please note, for your protection calls may be recorded or monitored.

The Travel Assistance App & Web Portal will help you prepare for a trip and support you while you’re travelling. Accessible via a desktop computer, tablet or smartphone, it provides a range of services that will keep you safe and informed while abroad, including:

• Security awareness training: An online programme about travel security and situation awareness.

• Country reports: Guidance about safety, health and travel issues throughout the world.

• Security travel alerts: An email and SMS alert service to keep you informed about evolving situations that could disrupt your trip.

• Global News Watch: Daily email roundup covering political instability, civil unrest, disease outbreaks, crime patterns and terrorism worldwide.

• Claims: Claims are made simple through a claims notification tool.

Please note, you will need to download the app and register on the app before being able to access the website portal.