Q: WHY DO I NEED GOLFGUARD TRAVEL INSURANCE?
A: GOLFGUARD TRAVEL INSURANCE provides extensive benefits at a highly competitive premium. In addition extra cover is provided specifically for golfers which is not normally found on a standard travel insurance policy. As an example, most policies have a limit on baggage which in the event of loss may cover the cost of replacing your personal effects but rarely would also cover the cost of replacing your lost golf equipment.
Q: IS GOLFGUARD FULLY AUTHORISED TO ACT AS AN INSURANCE BROKER?
A: Yes, Golfguard Ltd is authorised and regulated by the Financial Services Authority (FSA). Our FSA Register number is 310410.
Q: WOULD THE GOLFGUARD TRAVEL INSURANCE COVER YOU WORLDWIDE?
A: GOLFGUARD TRAVEL INSURANCE offers you the opportunity to select cover in Europe, Worldwide excluding USA & Canada or Worldwide including USA & Canada.
Q: CAN I ARRANGE AN ANNUAL POLICY?
A: We offer cover for short holidays and annual cover for the more frequent traveller either in Europe or Worldwide including or excluding USA & Canada.. The maximum duration of any one trip is 60 days. Those who arrange annual travel insurance are entitled to a 10% introductory discount on the full GOLFGUARD GOLF INSURANCE if purchased at the same time.
Q: CAN YOU ADVISE ME REGARDING MEDICAL CONDITIONS?
A: The basis on which this insurance will be arranged is that all persons to be insured are healthy, fit to travel to undertake the trip, will not be travelling against the advice of a medical practitioner, have not received a terminal prognosis from a medical practitioner and will not be travelling with the intention of obtaining medical treatment abroad.
The insurance will exclude any claim arising from any medical condition (or tests or investigations that are ongoing) which existed prior to the trip, unless the condition has been declared to and accepted by the Equity Red Star Medical Underwriters.
However, if any person upon whose health the trip may depend has one (and only one) medical condition and it is listed below cover is provided.
However should a claim arise from that condition, the person’s doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why the insured person should need to claim on this policy:
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Acid reflux
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Eczema
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Acne
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Glaucoma
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Arthritis
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Gout
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Asthma (if well controlled by using inhalers only)
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Hay-fever
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Benign lumps
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Hernia
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Blindness
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Hypertension (high blood pressure)*
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Cataracts
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Hyperthyroidism (overactive thyroid)
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Cholesterol (if well controlled)
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Hypothyroidism (underactive thyroid)
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Colds/Flu
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Irritable Bowel Syndrome
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Deafness
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Meniere’s disease
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Dermatisis
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Migraine
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Diabetes (if well controlled and no associated conditions e.g. glaucoma or other eye problems, kidney problems or peripheral vascular disease)
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Varicose Veins
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Dyspepsia
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* Hypertension will be covered provided there has been no change to an insured person’s medication in the last 6 months and they have not been admitted to hospital in the last 12 months.
If you or any person upon whose health the trip may depend has more than one of these medical conditions or any other condition you must contact the Equity Red Star Medical Helpline quoting reference "GolfguardTravel Insurance" to check if cover can be provided.
Medical Screening must be completed for each person who suffers from chronic disease(s) or any non-stabilised medical condition.
Cover will be granted subject to assessment of the medical information supplied and is subject to written acceptance.
Q: DO YOU PROVIDE COVER FOR A FAMILY?
A: Yes we can provide cover for a family. The annual cover for families offers extremely good value and also includes cover for school trips.
Q: CAN I ARRANGE COVER FOR A WINTERSPORTS HOLIDAY?
A: The GOLFGUARD TRAVEL INSURANCE can provide cover for a wintersports holiday anywhere in the world for those under the age of 65 years. Alternatively annual cover can be arranged to include 17 days wintersports cover at a very competitive premium.
