FAQs

Being medically fit means any existing medical conditions - including psychiatric conditions, must be stable and controlled by the treatment you are receiving and/or medication you have been prescribed. There must be no known likelihood of any specialist or specific medical tests, investigations or variation of treatment or medication for any existing medical condition(s) on any of the above dates or whilst travelling; and you must not be awaiting surgery for a diagnosed condition unless your medical practitioner has confirmed that you are medically fit to travel, and you are not exhibiting symptoms of an existing medical condition which could mean that your trip could be cancelled or cut short. Cover is not suitable if you have been given a terminal prognosis, which is a life expectancy of below one year at the start date of the journey.

You will not be eligible for this policy if any insured member suffers from a chronic breathing condition such as:

• Severe Allergic Asthma, Asthma with fixed airflow obstruction, Nighttime (Nocturnal) Asthma
• Obstructive Sleep Apnoea
• Chronic Obstructive Pulmonary Disease (COPD)
• Chronic Bronchitis
• Cystic Fibrosis/Bronchiectasis
• Emphysema
• Lung Cancer
• Lung Hernia
• Pleural Effusion
• Pneumonia

This is not an exhaustive list.

It is always advisable to consult a doctor if you have any doubts about your fitness to travel.
 

Points at which you need to be ‘fit to travel’

We would like to remind members of the requirement to be fit to travel. For the cancellation, curtailment and loss of deposit cover (Section 4), you must be medically fit to travel at the following points: 

• The date you book the trip
• When making additional deposit payments
• When you pay the final balance

For all other cover sections,  you must be medically fit to travel on the date you start your trip.

It is always advisable to consult a medical practitioner if you have any doubts about whether any insured member is medically fit to undertake a trip.

Members have the flexibility to join the scheme at any point. The NARPO Travel Insurance Scheme automatically renews each year on the 1st of June (the renewal date) for all existing members. A pro-rata charge will apply when joining part way through a scheme year.

You have the right to cancel your policy at any time. If you cancel within the 14 day ‘cooling off’ period (from the date you receive the policy documents) then a full refund of premium paid will be made, provided no claim has been made or is intended to be made. Beyond the 14 day ‘cooling off’ period, provided you have not made a claim and do not intend to make a claim, and have not already travelled, you may cancel the policy and we will refund 1/12th of the total premium paid, for each full calendar month remaining in your current period of cover from the date of cancellation.

You should, in the first instance, contact the International Medical Assistance. The Assistance team will then advise on and can put in place suitable repatriation plans to get you home as soon as it is medically safe to do so.

Immediately arrange for any medical treatment you need but please be sure you contact our International Medical Assistance Company, as soon as possible on +44 (0) 203 869 1108. You must obtain a detailed receipt for all the treatment that you receive.

Please get written confirmation from the doctor who is treating you that you are unfit to travel at the scheduled time. The policy can provide cover for any additional accommodation and travelling expenses you incur (of a similar standard to what you originally booked and paid for). Please keep any receipts for such expenses as they will be needed when you make a claim.

If travel is undertaken against the advice of a Medical Practitioner your policy will be void and a claim will not be paid.

If you lose your baggage or it is stolen, report this to the police within 24 hours of discovery and get a Police Report. If your baggage is lost or damaged whilst being carried by an airline, railway, coach, or ship, report this in writing to the carrier as soon as possible (at least within three days). Make sure you receive a Property Irregularity Report or similar documentation. Please keep copies of any correspondence you send or receive, as well as the retained portion of the travel tickets and baggage tickets.

In the event of your baggage being damaged, obtain an estimate for the repair. If the article is not repairable, get a letter of confirmation from the repairers. Please retain the damaged item wherever possible.

To support a claim for damaged and lost items we will require receipts showing the purchase price and date of purchase.

If your baggage is delayed for more than 12 hours, get written confirmation of this from the carrier. You will also need receipts to support your claim for any emergency purchases you have to make.

Report it to the police within 24 hours of discovery and get a Police Report. If you incur costs when obtaining replacement documentation e.g. extra travel, unplanned accommodation, or statutory charges, be sure to keep all your receipts.

Report this to the police without delay – certainly within 24 hours of discovering the loss. Please get a Police Report. If you have lost Travellers Cheques you should report this immediately to the local branch, agent or issuing authority and apply to them for a refund. If, for any reason, you are unsuccessful in getting a refund, you will need a letter from them confirming this fact.

If you have lost your foreign currency, you will need evidence of conversion from the bank, such as a currency conversion bank slip.

If you have lost sterling or cheques, you will need confirmation of cancelled cheques and bank statements.

If your transport breaks down, you are involved in an accident, or delayed due to unforeseen heavy traffic or road closures, and you miss your flight, train, coach, ship, ferry, or cross-channel train, please get receipts for any alternative transport needed to reach your destination. If public transport lets you down, please obtain written confirmation from the carrier explaining the cause.

Please ensure you have allowed reasonable time within the itinerary to enable you to make your connections.

Please obtain detailed confirmation from the carrier (or their handling agent) explaining the reasons for the delay, its precise duration and the original itinerary.

A Terminal Prognosis means a terminal illness with a life expectancy of below one year at the start of the overseas trip.

Unfortunately, if you are on a trip and want to extend your cover we will be unable to do so. The policy will expire at the originally agreed date. This is because NARPO, as an Annual Multi-trip policy, already provides for a travel period of up to 65 days (45 days Caribbean, USA, or Canada).

As an insured member of NARPO you will be contacted in advance of your policy renewal (the scheme anniversary date, 1st June) and unless otherwise advised we will automatically renew your policy using the auto-renewal option on your credit/debit card. This provides continuity of cover should you be on an overseas trip. Should you change or amend your card details the onus is on you to inform us prior to the scheme anniversary date. Failure to do this will mean your policy will not be renewed and therefore cover will cease at the scheme anniversary date.

Yes, to be eligible for cover At least one insured member must be a member of NARPO at time of application and throughout the life of the policy.

Yes, if you are going on a cruise and wish to receive the cover provided under Medical and Additional expenses or Cancellation and Curtailment.

Please be aware: There is no cover for Cabin Confinement, Missed Embarkation, Change of Cruise Itinerary, Unused Excursions, Loss/theft/damage in Formal Cruise Attire if delayed in transit.