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travel blanket
Insurance Product Information Document

Company: Cowen Insurance Company Limited (Malta company registration number is C 55905), Level 3, Gasan Centre, Triq il-
Merghat, Zone 1, Central Business District, Birkirkara, CBD 1020, Malta. Cowen Insurance Company Limited is authorized under
the Insurance Business Act 1998 of the laws of Malta to carry on general business and is regulated by the Malta Financial Services
Authority.
The product is administered by Cover Genius Europe BV which is authorized and regulated by the Dutch Authority for the Financial
Markets (AFM) under reference number 12046177. Details of the extent of the regulation of the administrator by the AFM are available
on request from the administrator.
Product: travel blanket

This document does not contain the full terms of coverage found in the policy and insurance wording. It is important that you read
all of these documents carefully to ensure that you choose the coverage you need.

What type of insurance is it?

We have travel coverage. This provides you with insurance coverage and assistance services during your trip.

What is insured? What is not insured?

ÿ Medical expenses up to €5,000,000. ÿ ÿ Any excess shown on your certificate. ÿ

Medical evacuation, medical repatriation and emergency Complaints related to any incident that occurred before the purchase
flights. ÿ of your coverage.

Additional accommodation and travel costs for a maximum of 14 ÿ All medical expense claims
days. ÿ Emergency caused by pre-existing medical conditions. ÿ Any claim
dental care up to €250. ÿ Hospital allowance arising from your failure to take the medication prescribed by your
up to €200, ie €20 per day, for a maximum of 10 days. ÿ Funeral doctor. ÿ For any claim for the cost of elective
expenses up to €1500. ÿ (non-emergency) treatment or surgery, including exploratory
Flight costs for trip cancellation or tests, which is not directly related to the illness or injury that
interruption, up to €500. ÿ Accommodation costs for trip required your admission to the hospital. ÿ Any claim for any
cancellation or activity listed as not covered by extreme or high impact
interruption, up to €500. ÿ Trip cancellation - up to 50% of sports. ÿ Any claim
the tour and attraction due to changes in local government or national authority travel
ticket cost. advice, or when traveling against government advice
ÿ Any claims arising out of or resulting from
ÿ Missed departure, up to €750. ÿ
Delayed departure, €25 for every 12 hours, up to €250. ÿ Delayed
baggage, up to €150. ÿ Personal
baggage up to €1,000. There are specific limits - ÿ Single item your involvement in any malicious, reckless, negligent,
limit, up to illegal or criminal act, including your failure to comply with the
€300. ÿ Limit for valuables, up to €300. ÿ Limit laws applicable to the country in which you are traveling.
for gadgets, up to €250.

Are there any exclusions to coverage?

! There is an amount deducted (deductible), which applies

per person and per claim.
! The maximum stay for a policy is 60 days.

Where am I covered?

You are covered for trips made during the period of insurance in the country or region of destination indicated on your certificate
of insurance.
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You must do everything in your power to prevent and reduce any damage.
You must notify us of a claim as soon as possible You must contact us as soon as
possible with full details of anything that may give rise to a claim and give us all information and documentation we request.

You must not provide false or misleading information in response to any question asked when withdrawing coverage or making a
claim.
Do not make, offer or promise any payment or admit any liability without our written consent.

When and how do I pay?

You will need to pay the full cost of your policy before coverage begins. You can pay with a credit or debit card.

When does coverage start and end?

Your coverage will begin and end on the dates specified in your certificate.

How can I terminate the contract?

If you cancel within the first 14 days of the policy, you will receive a full refund. If you cancel after this date, you will not be refunded.
 Cover Genius Terms of Sale
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Please read this document carefully. It sets out the terms on which we, Cover Genius, agree to act for our clients and contains details of our regulatory and legal
responsibilities. It also defines some of your responsibilities as a customer. Please contact us immediately if you do not understand any part of our Terms of Sale.
Your policy documents will be sent by email only.

About our company

Vueling is an auxiliary insurance intermediary of Cover Genius Europe BV [the “Administrator”] which is authorized and regulated by the Dutch Authority for the Financial Markets
(“AFM”) to act as a non-life insurance intermediary and acts as an authorized non-life insurance agent. Our AFM registration number is 12046177. You can check this information
on the AFM register by visiting the website at https://www.afm.nl/en or by contacting the AFM on +31(0)20-797 2000. We are registered with the Dutch Chamber of Commerce
(KvK). Our Kvk number is 73237426.

Our adress

The registered address of Cover Genius is: John M. Keynesplein 12 - 46, 1066 EP, Amsterdam. You can reach them by email at https://www.xcover.com/en/contact-us.

Our products and services

This travel insurance is generally suitable for people who want to be insured when they travel, for medical emergencies, delayed or missed departures, cancellations and
curtailments.
This cover is underwritten by Cowen Insurance Company Limited [the insurer]. We do not give advice or make personal recommendations in relation to any insurance product.
However, we will ask you questions in order to provide you with a quote, leaving it up to you to make your own decision as to how you wish to proceed and whether this product
meets your specific insurance needs.

Capacity in which we act

In arranging your insurance, we will at all times act as the insurer's agent.

Our compensation

When we sell a policy to you, the insurer pays us a commission (a percentage of the total premium).

Disclosure

It is very important that the information provided to us when taking out a policy, when completing a claim form and when giving statements to the insurer is correct. If a
policy is taken out, or if any form or declaration is completed on your behalf, it is your responsibility to verify that the answers given to all questions are true and complete.
You are advised to keep copies of any correspondence you send to us or to the insurer directly.

Insurance premium

We collect and hold insurance premiums as agent for the insurer.

Administrative charges

There may be administration fees to pay for the administration of your policy. Please check your certificate of insurance for details.

Had to

Unless otherwise stated, all quotes provided for new insurance are valid only at the time of the quote.

Right of cancellation

If the period of cover is longer than one month, you may have the right to cancel within 14 days of purchasing this insurance when you receive: The policy document at the start
of your insurance.

A full refund will be issued if you have made no claim and your trip has not started. You can also cancel your policy at any other time, but we will not refund any part of
your premium.

Treat our customers fairly

We strive to provide first class service at all times, and welcome comments and feedback from our customers. If for any reason you feel that
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our service is not meeting your expectations, please let us know.

Complaints procedure

If it happens that we do not meet your expectations, we are committed to handling any complaint thoroughly and professionally. If you
would like to make a complaint about the sale of your insurance, please contact us by email: complaints@xcover.com.

If you are still not satisfied after receiving a definitive answer to your complaint, you have the right to forward your complaint to:
Klachteninstituut Financiële Dienstverlening (Kifid), Postbus 93257, 2509 AG The Hague, tel. 0900 – 3552248, www.kifid.nl.

The KiFiD is an independent body that arbitrates complaints relating to general insurance products and other financial services.
It will only consider complaints after we have provided you with written confirmation of the end of our internal complaints procedure. You
must submit the complaint to KiFiD within one year of submitting the complaint to us or within three months of receiving our final response to
your complaint.
You may also have the right to refer your complaint to an ombudsman in your country of residence.