ABTA

The Travel Association, formerly known as the Association of British Travel Agents, offers travellers financial protection if their tour operator goes out of business. They specifically cover package holidays that involve train, ferry, bus, cruise, and self-drive travel. Travellers can only receive protection if they book with an ABTA Member.

Accident

An accident is a sudden, unexpected, and unintentional incident or event that occurs during your journey.

Accidental Damage

Accidental damage cover will protect your gadgets and business equipment from unexpected and unintentional damage, including damaged screens and liquid damage, and ensure that they are repaired or replaced.

Add-on

For an additional premium, you can get extra protection that isn't included in a standard policy. Our add-ons include, but are not limited to, enhanced COVID-19 protection, and cover for winter sports, golf, weddings, cruise travel, business travel, and pre-existing medical conditions.

Adverse Weather Conditions

Your travel insurance policy will cover you if elements of your trip or travel arrangements are affected cancellation, delays, or abandonment caused by poor weather. This type of cover does not include catastrophes. (See Catastrophe.)

Age Limit

Our policies have lower and upper age limits. Please see the policy wording for more information.

ATOL

Air Travel Organiser's Licencing (ATOL) offers financial protection for travellers who use ATOL-licenced tour operators to book package holidays with flight-based travel. ATOL will cover travellers if their tour operator ceases trading or if their airline goes bust. ATOL is run by the run by the Civil Aviation Authority. (See CAA.)

Annual Multi Trip

This type of travel insurance policy covers you for multiple trips within one year. There may be limits on the length of each individual trip depending on what policy you purchase.

Baggage Delay

If your baggage is delayed for a period of time, the Baggage Delay section of a policy will cover the cost of purchasing additional essential clothing, toiletries and other similar items.

Backpacker

This type of travel insurance cover is designed for people who plan to travel for longer periods and to multiple countries within the one trip.

Bodily Injury

This is bodily harm that is caused by an accident. Your travel insurance policy will provide emergency medical and repatriation expenses cover if you are accidentally injured during your trip.

Business Equipment

Business equipment is property owned by a company and used by an employee to conduct business during business trips, for example, mobile phones, laptops, and tablets.

Business Money

Money in the form of cash, debit cards, credit cards, and cheques that belong to a company and is used for business purposes.

Business Travel

This type of travel insurance covers journeys undertaken by an employer or employee on behalf of a company for the purpose of conducting business.

CAA

The Civil Aviation Authority (CAA) regulates civil aviation in the United Kingdom. They are responsible for running the Air Travel Organiser's Licencing (ATOL) scheme.

Cabin Confinement

Cabin confinement cover protects you for each 24-hour period the captain or medical officer on the cruise ship requires you to remain confined to your cabin due to an illness or injury.

Cancellation

Travel, accommodation, visa or ESTA, and airport parking expenses will be covered if the policyholder needs to cancel their trip due to redundancy, jury duty, illness, injury, or death of the policyholder, travel companion, or a family member. This type of cover protects you from the start date of your policy until the day you leave for your trip.

Catastrophe

Catastrophes are not covered by Oasis travel insurance policies. This includes earthquakes, floods, tornadoes, tsunamis, and volcanic activity. Please see the policy wording for the full list.

Children

Our policies define children as unmarried dependent individuals under the age of 18 (or age 22 if in full-time education) who are travelling with a policyholder. This includes step-children, foster children, and adopted children.

Claim

When a policyholder requests payment or compensation for losses from their insurer under the terms of their policy. Existing policyholders can make a claim by heading to the Claims Information page.

Colleague

This is someone who works at the same company as you, and who's absence from work would affect the company's day-to-day operations. If you have paid the premium for our business travel add-on, you will be covered under your policy for the cancellation and curtailment of your trip and for loss of holiday in the event of the bodily injury, illness, or death of your colleague.

Consular Services

The FCDO provides support and specific travel-related services to British travellers while abroad. Consular services include helping British nationals to get an emergency travel document, providing information about the legal system of the country they're visiting, providing contact information for local lawyers and translators, providing notarial services, and contacting a British national's family in the UK should something happen to them while abroad. These services can be accessed by contacting the nearest British embassy, consulate, or high commission of the country you're visiting.

Consulate

This is an FCDO-run diplomatic mission in a Commonwealth or non-Commonwealth country where British travellers can receive consular services while abroad. (See Consular Services and FCDO.)

Couple

Couples travel insurance will cover you and your spouse, civil partner, or the person with whom you cohabitate who will be travelling with you.

Cover Type

Cover type refers to the different kinds of travel insurance we offer, such as single trip travel insurance, annual multi-trip travel insurance, and backpacker travel insurance.

Curtailment

Also known as ‘cutting your trip short,’ this section of cover provides reasonable additional travel and accommodation expenses should you need to end your trip early. Examples of this may include illness, injury, or death.

Cruise

Cruise cover protects you from unforeseen events and travel risks associated with cruise travel. Cruise Travel Insurance covers missed port, cabin confinement, unused excursions, increased personal baggage limits, and damage to or loss or theft of your evening wear.

Deduction

This is where the excess is deducted from your claims payment. (See Excess.)

Disablement

Personal accident cover will compensate you for medical fees incurred by loss of limb, loss of sight, or permanent total disablement.

EHIC

A European Health Insurance Card allows a person to receive state-provided healthcare in the EU. Since the UK has withdrawn from the EU, EHICs are being replaced with GHICs, though they are still valid until they expire. (See GHIC.)

Embassy

This is an FCDO-run diplomatic mission in a non-Commonwealth country where British travellers can receive consular services while abroad. (See Consular Services and FCDO.)

Emergency Medical

Emergency Medical is there to offer protection should you become ill or suffer from an injury while on holiday and offer reimbursement for your medical bills. This may also include any additional travel and accommodation expenses, UK prescriptions or care.

Emergency Travel Document

An emergency travel document is issued by an embassy or consulate when a passport is lost or stolen abroad. Your travel insurance policy will cover the costs of getting an emergency travel document if your passport is lost or stolen during your trip, the travel and accommodation expenses incurred while waiting to receive your emergency travel document, and the costs of replacing your passport upon your return to the UK.

End Supplier Failure

If your end supplier (e.g., tour operator, care hire company, hotel company, or cruise line) suffers from financial failure before you depart for your trip, you will be reimbursed for the non-refundable fees you have already paid. If your end supplier has financial failure after you depart for your trip, end supplier failure cover will cover the unavoidable curtailment of your trip or the additional fees you incur to replace that part of your travel arrangements.

Enhanced COVID-19 Protect

For an added premium, this travel insurance add-on will cover you if you need to travel against Foreign, Commonwealth & Development Office (FCDO) advice. It will also cover you if you need to cancel your trip due to self-isolation that prevents you from going on your trip, an adverse reaction to the COVID-19 vaccine prior to your scheduled departure date, or your inability to complete the COVID-19 vaccinate course prior your scheduled departure date.

ESTA

The Electronic System for Travel Authorization (ESTA) is run by the Visa Waiver Program (VWP) and allows travellers to visit the USA without a visa for up to 90 days.

Event Tickets

These are tickets you have purchased to gain entry to a theme park or water park, sporting event, music or theatre performance, or gallery or museum during your trip. Your event tickets will be replaced or reinstated by your travel insurance policy if they are lost or stolen.

Excess

An excess is the amount you pay when you make a claim. This is usually defined within a table of benefits or section of a policy, and is per person, per claim.

Excess Waiver

If you need to make a claim, by purchasing Excess Waiver this means although you’ll likely pay a small one-off fee, this optional add on will leave you with zero excess to pay should you need to as part of a claim.

Excluded Hazardous Activities and Sports

These are sports and activities that are not covered by an Oasis Travel Insurance policy, such as base jumping, BMX stunt riding, hang gliding, martial arts, rock climbing, shark diving, scuba diving below 30 metres, and water ski jumping. This is not an exhaustive list. Please the policy wording for more information.

Exclusions

An exclusion is something is not covered by your travel insurance policy, such as bodily injury as a result of participating in specific hazardous sports and activities, pre-existing medical conditions that have not be declared prior to purchasing the policy, and unlawful acts that have been intentionally committed. A full list of exclusions is provided in your policy wording under "general policy exclusions".

Family Travel Insurance

Family travel insurance will cover you, your spouse, civil partner, or the person with whom you cohabitate, and up to 5 children who will be travelling with you under a single policy. This type of insurance also covers single parent families.

FCDO

This is the Foreign, Commonwealth & Development Office. The FCDO provides travel advice and consular services to British travellers, and run consulates, embassies, and high commissions in foreign countries.

Financial Failure

Financial failure is when an airline, cruise line, rental car company, hotel, or tour operator goes bust and ceases trading.

Fraud

This is when a person provides false or misleading information to their insurer or withholds information in order to obtain a policy or to make a claim. If a person provides their travel insurer with fraudulent information, then their travel insurance policy will become void and appropriate legal action will be taken.

Gadget

Gadget cover protects the devices you use during your trip from loss, theft, accidental damage, malicious damage, and unauthorised use. Gadgets are defined as mobile phones, tablets, E-Readers, laptops, digital cameras and camera lenses, video cameras, MP3 players, headphones, games consoles, smartwatches, fitness trackers, portable health monitoring devices, and more. Please see your policy documents for more information.

GHIC

UK Global Health Insurance Cards (GHIC) have replaced European Health Insurance Cards (EHIC). Like an EHIC, a UK GHIC offers you state-provided healthcare in the European Union.

Golf Cover

Golf cover travel insurance will cover the loss theft, or damage of your equipment; the cost of replacing your golf equipment; your unused green fees should you not be able to play due to illness, injury, or adverse weather conditions; and the cost of a round of drinks up to £100 if you hit a hole-in-one while you're on a golfing holiday.

Golf Equipment

Our golf cover travel insurance will cover your clubs, golf bag, golf trolley, and golf shoes.

High Commission

This is an FCDO-run diplomatic mission in a Commonwealth country where British travellers can receive consular services while abroad. (See Consular Services and FCDO.)

Increased Personal Baggage Limits

Our cruise cover add-on offers increased personal baggage cover in case you need to bring more luggage with you on a longer trip.

Insurance Event

This is an incident that occurs during your trip which is covered by your policy and can be claimed for.

Insurance Policy

Your travel insurance policy is a legal contract between you and your insurance provider. Your policy consists of the policy wording and your policy schedule. (see Policy Wording and Policy Schedule.)

Insurance Renewal

A month before your annual-multi trip policy ends, you will be sent an invitation to renew your policy. Annual-multi trip travel insurance policies can be automatically renewed with a continuous payment method.

Insured Journey

This is a holiday or business trip that begins and ends during the policy period.

Insured Legal Costs and Expenses

A travel insurance policy will cover the costs and expenses of pursuing a person’s legal rights in the event of accidental injury or death.

Insured Person

An insured person is a person who is named on and is covered by the travel insurance policy.

Legal Costs

This section of a travel insurance policy will cover legal costs and expenses should you choose to pursue legal action in the event of bodily injury.

Leisure Trip

This is a vacation taken for leisure, recreation, and relaxation purposes. Leisure trips will be covered by most travel insurance policies, but not by business travel insurance.

Level of Cover

This refers to the amount of cover you choose for your policy. For example, you can choose from Emerald, Ruby, or Diamond cover for single trip and annual multi-trip travel insurance policies, and you can choose from Bronze, Silver, or Gold cover for backpacker insurance policies.

Limitations

This is the maximum amount of cover and compensation you will receive from your policy. This may vary depending on the policy type and level of cover you have chosen. The limitations appear in the policy wording as the "Sums Insured".

Loss of Holiday

This is the total number of days you are confined to your cabin, hotel room, or hospital due to an illness or injury during your trip. To make a claim for loss of holiday, your illness or injury will need to be certified by a medical practitioner.

Malicious Damage

Malicious damage cover protects the property of an insured person from intentional damage caused by a third party.

Medical Practitioner

To make a medical-related claim, you may be asked to receive a medical examination from and/or provide a medical certificate from a qualified doctor.

Missed Departure

This provides cover if you miss any pre booked flight, ferry, or other mode of transport on your outward journey, or returning home. Examples of this may include public transport services failing to get you to a departure point, or strike/industrial action. Additional travel and accommodation expenses may be required for you to reach your destination or catch up to your scheduled itinerary.

Missed Connection

This covers you if you miss a connecting flight, cruise, train, bus, or ferry, or if your rental vehicle or public transport vehicle is involved in an accident or breakdown. This also covers delays caused by strikes, adverse weather conditions, heavy traffic, and road closures. You will also be reimbursed for additional travel and accommodation expenses caused by a missed connection.

Missed Port

If you pay the additional premium for our Cruise Travel add-on, you will receive a missed port benefit if your cruise ship is unable to stop at a port due to time-table restrictions or adverse weather conditions.

Non-Refundable Travel Expenses

These are expenses associated with your trip (such as unused travel and accommodation expenses) that cannot be reimbursed. Your travel insurance policy will provide cover for non-refundable travel expenses in the event of cancellation, curtailment, travel delays, travel abandonment, and more.

Off-Piste

This is an unmarked, ungroomed trail or unprepared area within and outside the resort boundaries. This excludes terrain parks. You can receive cover for off-piste skiing within the resort boundaries with our winter sports add-on.

On-Piste

This is a marked trail or prepared ski run at a ski resort. This excludes terrain parks. On-piste skiing is covered by your policy when you pay a premium for our winter sports add-on.

Package Holiday

A package holiday is a combination of travel services, such as transportation, accommodation, meals, car rental, and excursions, that are sold together for a fixed price. Package holidays are usually created by a tour operator and sold by a travel agent. (See ATOL and ABTA.)

Personal Accident

This is cover for an accident that results in death or an injury, such as loss of limb, loss of sight, or permanent total disablement. (See Accident.)

Personal Liability

This covers any legal expenses you incur as a result of an accidental injury or the death of a third party caused by you; or losing or accidentally damaging another person's property during your journey.

Personal Money

These are credit, debit or charge cards, cheques, travellers’ cheques, cash, bonds, money orders, negotiable instruments, pre-paid phone cards or other securities belonging to you.

Personal Possessions

Your personal possessions are bags, clothes, and personal belongings brought with you on or acquired during your journey. Your personal possessions will be covered for loss, theft, and damage under the terms of the policy. This does not include personal money or gadgets.

Pet Care

We will cover pre-booked kennel or cattery fees should you need to cancel or abandon your trip or should your return be delayed.

Policy Document

Your policy document features the terms and conditions of the travel insurance policy you have paid for. Your policy document and policy schedule are the two documents that make up your travel insurance policy. A policy document is also known as Policy Wording. (See Policy Wording.)

Policyholder

The policyholder is the person who has purchased the travel insurance policy and is covered by the policy.

Policy Number

This is a number you will receive when you have purchased an Oasis travel insurance policy. You will need this number to make a claim or a complaint, or if you have any queries about your policy.

Policy Period

This is the amount of time that your policy covers you. This will appear as the "cover start date" and "cover end date" on your policy schedule.

Policy Schedule

This is the certificate of insurance. Your policy schedule will show the policy period, cover type, level of cover, add-ons, premiums, the names of the policy holder and insured persons, and which sections of the policy wording are covered by the travel insurance policy you have purchased. A policy schedule and policy wording are what make up an insurance policy. (See Insurance Policy and Policy Wording.)

Policy Wording

The policy wording is a legal document that explains what coverage you're are entitled to under the travel insurance policy you have paid for. This includes conditions, benefits, limitations, and exclusions. It is important for you to carefully read the policy wording when you purchase an Oasis travel insurance policy. This is also referred to as a policy document. (See Policy Document.)

Pre-Existing Medical Condition

A pre-existing medical condition is an illness or injury that someone already has prior to purchasing a policy, such as asthma, diabetes, high blood pressure, or epilepsy. All pre-existing medical conditions should be declared when purchasing a travel insurance policy. For additional protection, you can get travel insurance with medical conditions cover for an added premium.

Premium

This is the amount paid for a travel insurance policy or an add-on.

Private Accommodation

This is pre-paid accommodation for the private use of you and your travelling companion(s) during your trip.

Proof of Purchase

If one of your gadgets is lost, stolen, or damaged during your trip, you may need to prove that you are the legal owner of that gadget to make a claim. This proof can be in the form of a receipt or, if the gadget was a gift, a signed letter from the person who gifted it to you.

Proof of Usage

To make a claim for the loss, theft, or damage to your gadget that occurred during your journey, you must show evidence that it has been used since the start of the trip. This evidence can be obtained by a network provider or via inspection of a damaged device.

Public Transport

This is a means of transport used by the public that operates according to a timetable, such as a bus, coach, train, tram, or ferry.

Quote

A quote is the estimated cost of the travel insurance cover provided by the insurer.

Rental Vehicle Excess Waiver

For an added premium, rental vehicle excess waiver cover will reimburse you for excess costs you are responsible for as a result of damage caused to your rental vehicle.

Repatriation

This covers the costs of transporting a person back to the UK following an illness or injury during their journey, or transporting remains or ashes in the event of death.

Scheduled Airline Failure

If the airline you booked with goes into financial failure before your trip, you will be able to recover the costs. If the airline you booked with goes into financial failure while you're away, you will be compensated for the additional costs of replacing that part of your flight arrangements or be compensated for the costs of return flights if curtailment is unavoidable. (See Financial Failure.)

Scheduled Departure Date

This is the date you are due to leave for your trip.

Scheduled Return Date

This is the date you are due to return home from your trip.

Single Item Limit

This is the maximum amount of compensation you will receive for any one item, pair of items, or set of items.

Single Trip

This type of travel insurance offers you cover for one trip or a one-off holiday.

Ski Pack

A ski pack includes the winter sports equipment, skiing lessons, or ski guide you have pre-paid for. Our winter sports add-on will provide compensation if you are prevented from participating in winter sports and from using your ski pack due to an illness or injury, adverse weather conditions, too much or too little snow, or due to an avalanche or landslide.

Sports and Activities

Our insurance policies will cover specific sports and activities, such as windsurfing, cycling, and non-manual work. However, some hazardous sports and activities will not be covered for personal accident and personal liability and other activates may require an additional premium. Participation in competition is excluded. Please see the policy wording for exclusions. (See Excluded Hazardous Activities and Sports.)

Strike or Industrial Action

Your policy will provide compensation if a strike or industrial action causes you to miss your departure, miss a connection, or abandon your outward trip; or if a strike or industrial action causes travel delays.

Terrain Park

This is a designated outdoor recreation area at a ski resort with jibs, jumps, and verticals on which skiers and snowboarders can perform tricks. Terrain parks are excluded from our winter sports add-on.

Tour Operator

Tour operators create and arrange package holidays.

Travel Abandonment

Your travel policy will cover your travel, accommodation, visa, ESTA, airport lounge pass, excursions, car hire, and airport parking expenses if you need to abandon your trip as a result of a 12-hour delay caused by adverse weather conditions, strikes, or mechanical breakdown of public transport.

Travel Agent

A travel agent assists people with making travel arrangements and sells package holidays created by tour operators.

Travel Delay

You will receive cover for delays that last twelve hours or more from your original departure time at the beginning of your trip or during your return journey. These delays can be the result of adverse weather conditions, strikes, or mechanical breakdown. Your unused travel, accommodation, visa, ESTA, care hire, lounge pass, and airport parking expenses will be covered by this part of a policy.

Travel Documents

Sometimes important travel documents are lost or stolen while abroad. Your policy will cover the cost of getting an emergency travel document to replace your passport and the additional travel and accommodation expenses incurred while waiting to receive your replacement passport. You will also be covered for the costs of replacing your passport or driver’s license when you have returned to the UK, and will be covered for the costs of replacing other travel documents and event tickets if they are stolen or lost during your journey.

Travelling Companion

A travelling companion is someone who will be travelling with you and who is covered by the travel insurance policy. (See Insured Person.)

Trip

This is a journey that is covered by your travel insurance policy. (See Insured Journey.)

Unauthorised Use

Your policy will cover the unauthorised use of the gadgets you have brought with you on your trip by a third party if they are lost or stolen. Unauthorised use will not be covered by an Emerald or Bronze policy unless an additional premium has been paid for enhanced gadget cover.

Underwriter

This is a company that evaluates the risk of insuring an individual and decides whether to provide cover to that person. Our legal costs and expenses cover is underwritten by DAS Legal Expenses Insurance Company Limited (DAS), our financial failure cover is underwritten by Liberty Mutual Insurance Europe SE (LMIE), our gadget cover is underwritten by Taurus Insurance Services Limited on behalf of Great Lakes Insurance SE, and all other sections in the policy wording are underwritten by ERGO Travel Insurance Services Ltd on behalf of Great Lakes Insurance SE. The underwriters are referred to as "WE/OUR/US" in the policy wording.

Unused Excursions

Your travel insurance policy will cover the cost non-refundable pre-booked excursions that you are unable to use as a result of cancellation, curtailment, travel delays, travel abandonment, and cabin confinement.

Valuables

Valuable items include jewellery, watches, precious stones, items made from precious metals, antiques, and musical instruments. Your valuables will be covered by your travel insurance policy. Please see the policy wording for a full list of valuables that are covered and the amount they are insured for under the policy you have purchased.

Visa

This is a travel document that allows people to enter, remain in, and leave a foreign country. There are different types of visas which include, but are not limited to, tourist visas, work visas, and working holiday visas. The purpose of your travel will determine the kind of visa you will need to apply for. Not all countries require UK citizens to have a visa, so you should check the FCDO website for the entry requirements of the country you're travelling to.

Wedding Cover

This add-on provides cover for your and your spouse’s ceremonial attire, make up, hair styling, flowers, ceremonial gifts (including cash), your wedding rings, and your wedding photos and videos.

Winter Sports Equipment

Our Winter Sports and Ski Travel Insurance add-on will repair or replace your winter sports equipment if they are lost, stolen, or damaged. We will also cover the cost of hiring replacement equipment if the outward journey of your winter sports equipment is delayed by more than 12 hours. Winter sports equipment is defined by a policy as skis, ski-boots, bindings, mono-skis, snowboards, split-boards, ski-helmets, and ski-poles.

Winter Sports and Ski Travel Insurance

This type of protection covers piste closure, skiing and snowboarding accidents, travel disruptions, and loss, theft, and damage to your equipment. The types of winters sports covered by this add-on include, skiing, snowboarding, split-boarding, and mono-skiing.