Your claim must be within 30 days of the issue happening

You’re not travelling against the advice of a medical practitioner (or would be travelling against the advice of one had you sought their advice)

You’re not claiming about a pre-existing medical condition (see page 5)

You’re not claiming medical expenses and emergency assistance for any diagnosed symptoms that need attention or investigation where you’re waiting for consultations or results because the underlying cause has not yet been found

You’re only considered for a claim for travel and accommodation that were paid with your Yonder card

Your trip begins and ends in the UK within 60 consecutive days and the duration of the dates you’ve travelled within any 12 month period is a maximum of 180 travel days

You understand that on any trip that’s longer than the maximum duration, the benefits will not apply to any part of that trip

If you booked travel using a voucher or another card and paid for your accommodation using your Yonder card (or vice versa), you understand that Lloyd’s will only consider your claim for what was paid with your Yonder card

If you booked a one way or one-way open ticket, you must’ve booked your inbound ticket before your trip began to be considered for a claim

You’re not skiing against local authoritative warning or advice

No off-piste skiing or snowboarding where an avalanche warning of more than size 2 is in place

No ski stunting, free-styling skiing, ice hockey, heli-skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, snowcat skiing, snow carting or the user of bobsleighs, luges or skeletons

No trips in the Northern Hemisphere between 31st March and 1st November

No trips in the Southern Hemisphere between 30th September and 1st May