Travel Insurance Terms

These Travel Insurance Terms apply whenever you purchase a travel insurance policy through TravelWheel. They should be read together with our Terms & Conditions and the specific policy wording, schedule, and certificate issued to you by the underwriting insurer.

1 Overview

TravelWheel facilitates the sale of travel insurance policies underwritten by licensed insurance companies regulated by the National Insurance Commission (NAICOM) or, where applicable, an equivalent foreign regulator. When you purchase travel insurance through TravelWheel, you are entering into a contract of insurance directly with the underwriting insurer, and TravelWheel's role is limited to facilitating your application, payment, and policy issuance.

2 Third-Party Insurer Responsibility

The insurer named on your policy schedule is solely responsible for underwriting your risk, determining coverage, assessing and paying claims, and handling any dispute arising from your policy. TravelWheel does not underwrite risk, does not guarantee the approval of any claim, and is not a party to the contract of insurance between you and the insurer.

3 Policy Issuance

Your travel insurance policy is issued based on the information you provide during the application process, including your age, destination, travel dates, and any declared pre-existing medical conditions. Your policy schedule and certificate, once issued, constitute the definitive statement of your coverage, limits, and conditions, and prevail over any marketing description on our website in the event of any inconsistency.

4 Coverage Limitations

All travel insurance policies are subject to coverage limits, sub-limits, deductibles/excesses, and geographic or activity restrictions set out in the policy wording. Common limitations include capped amounts for medical expenses, baggage loss, and trip cancellation, as well as restrictions on coverage for hazardous activities, pre-existing medical conditions, and travel to certain high-risk destinations. You are responsible for reviewing these limitations before purchase.

5 Exclusions

Policies typically exclude claims arising from, among other things: undisclosed pre-existing medical conditions; travel undertaken against government or medical advice; self-inflicted injury or intoxication; participation in extreme sports not specifically covered; war, terrorism, or civil unrest (unless specifically included); and losses arising from a failure to take reasonable care of personal belongings. The complete list of exclusions is set out in your policy wording.

6 Customer Disclosure Obligations

Failure to disclose a material fact, such as a pre-existing medical condition, may entitle the insurer to reject a claim or void your policy entirely.

You are required to provide complete and accurate information when applying for travel insurance, including any pre-existing medical conditions, planned activities, and prior travel insurance claims history. Non-disclosure or misrepresentation of material information may result in a claim being declined or the policy being voided by the insurer.

7 Claims Process

In the event of a loss, illness, or incident covered by your policy, you must notify the insurer (and, where applicable, any emergency assistance number provided) as soon as reasonably possible and follow the claims procedure set out in your policy documents, which typically requires supporting evidence such as medical reports, police reports, or receipts. TravelWheel can assist in directing you to the correct insurer contact but does not process, assess, or approve claims.

8 Premiums & Refunds

Insurance premiums are generally non-refundable once a policy has been issued and coverage has commenced, except where the insurer's own policy permits a cooling-off period or cancellation prior to the start of your trip. Any refund of premium is processed in accordance with the insurer's terms, and TravelWheel will pass on refunds received from the insurer, less any applicable service fee.

9 TravelWheel's Role

TravelWheel's responsibility is limited to accurately transmitting your application details to the insurer, processing your premium payment, and delivering your policy documents. TravelWheel is not liable for the insurer's underwriting decisions, claims outcomes, payout amounts, or solvency.

10 Contact Information

For questions about purchasing travel insurance through TravelWheel, please contact us via our Contact / Help page. For claims and policy-specific queries, please use the contact details provided on your policy schedule and certificate.