Permanent medical disability due to accidents that occur while travelling, but only if the disability is rated at 16% or higher.

Death benefits due to accidents that occur while travelling.

Medical expenses while travelling abroad, including medical and specialist costs, hospitalisation, and medicine costs, as well as the costs of ambulance transport and the transport of the insured's mortal remains.

Prepaid travel expenses that cannot be recovered from other travel providers, if the insured cannot travel due to e.g. accident, illness, or death, and the reason is certified by a doctor.

Per diem for a maximum of 30 days, if the insured is hospitalised abroad due to an illness or accident sustained while travelling.

Necessary additional expenses for a return trip if the insured person is forced to shorten their trip due to the death, serious accident or sudden illness of a spouse, children, or other close relatives who reside in Iceland or the country of residence.

Necessary additional expenses for a return trip to Iceland or to the country of residence if the insured person is obliged to curtail their stay abroad due to significant property damage to the insured's home or private business.

Compensation for delays on the way to the airport when public transportation is cancelled or delayed, causing the insured to miss their flight, or when a vehicle the insured is travelling in becomes inoperable

Cost of alternative transportation to the airport.

Cost of towing the vehicle to the nearest repair shop.

Cost of accommodation that the insured needs to purchase until departure with another flight.

Travel expenses incurred by the insured to reach the destination by alternative flight.

Compensation when the insured is denied boarding due to overbooking, for each hour that passes from the originally scheduled departure time until the insured is provided a seat on another flight, up to a maximum of 20 hours.

Loss or damage to personal property due to fire, theft, burglary, robbery, vandalism or transport accidents, however, it is required that the insured take the utmost care when handling the insured luggage.

If the insured does not receive their luggage within 8 hours of arriving at their destination due to delay or mishandling, compensation will be paid for the purchase of essential items for each insured person.

Loss or damage exceeding the insured's deductible.

Covers loss or damage to personal belongings paid for with a Premía payment card, where the damage is caused by a sudden and unforeseen external event.

Coverage is valid for 30 days from the date of purchase.

Necessary expenses for a close relative or friend of the insured person staying with them or accompanying them home, upon the advice of a physician and in consultation with SOS INTERNATIONAL, due to a serious accident or illness sustained.

If strike actions, adverse weather conditions, or mechanical failure cause delays in public transportation, resulting in a delayed arrival of the insured at the destination, compensation is paid after a delay of 8 hours.

Daily allowances are paid if the insured is kidnapped while traveling abroad and held hostage.

Proportionate non-recoverable travel expenses for that part of the trip that the insured person is unable to use by virtue of being required to return home, or by virtue of needing hospitalisation due to a serious illness or accident.

Bodily injury or loss or damage to property that is the result of compensable behaviour of the insured.

Damage to a rental car where the cardholder is the registered main driver (1 driver) owned by an authorised car rental company due to the following events:

a. damage to the vehicle itself and its normal accessories caused by lightning, fire, explosion or collision. It is also paid if the vehicle is struck by another, overturns or veers off the road.

b. theft and vandalism of the vehicle.

Compensation claims that may accrue to the insured, who is named in the car rental agreement, if the claim exceeds the insurance amount or the deductible of the statutory insurance.

Sudden and unforeseen outside event resulting in a loss or damage of golf equipment during the insurance period. Golf equipment includes clubs and irons, golf bag, trolley, clothing, shoes, as well as other typical golf equipment.

Theft of golf equipment as result of burglary of a locked apartment, vehicle, boat, private plane, holiday cottage, trailer, fishing/hunting lodge, or safety locker in a golf club.

Theft of golf equipment outside of a golf club.

Robbery, i.e. the seizure of golf equipment with physical violence or threats of immediate violence.

Vandalism, i.e. intentional damage to golf equipment but not, however, if caused by the insured.

Injury or damage caused by the insured to people or items during golf on a golf course or at a training area by a golf course.

Damage caused by an unintentional hit of a golf ball to a vehicle owned by the insured in a specified area.

If the insured hits a hole in one the amount specified in the insurance policy is paid out. This amount is for covering the cost of post-game refreshments for the players.

Conditions: Minimum round of 9 holes with at least one other player. It must be the first hit from the tee towards the hole.

Conditions: The golf course must be a certified GSÍ course or have similar accreditation from a foreign party. The scorecard must be correctly filled in. The club administration or an employee of the golf course must be notified of the hit.

Loss or damage due to the inability of the insured to play golf during the golf season due to illness or accident, where the player has already paid the annual club fee.

Annual Fee Insurance - Conditions: Annual fee of one golf club. The period of inactivity needs to be min. 2 months out of the golf season. The length of the season needs to be min. 5 months, May - September, where the annual fee is evenly distributed.

The policy applies to delays in the delivery of golf equipment (irons and golf bag) to a destination in a scheduled or chartered flight in a trip lasting for up to 92 consecutive days from the beginning of the journey from Iceland.

Compensation for the rental of golf equipment for each insured party aged 16 and older, if they do not receive their checked-in golf equipment within 8 hours of arrival to their destination.

Damage or loss due to weather-related golf course closure. Greens fees are paid for out-of-service days due to weather.

Compensation is payable only if the accident results in death or permanent disability within 24 months of the date of accident.

If the insured dies aged 18 or younger as a result of an accident, compensation is limited to 10% of the maximum amount of the death benefit.

Disability and death benefits are reduced annually by 10% after the insured reaches the age of 60. However, never more than 80%.

Costs for any type of accident, illness or disease which the insured has suffered and for which they have received medical care and/or treatment during the six (6) months prior to the payment of the confirmation fee for the travel.

Expenses that are paid according to a reciprocal medical insurance agreement that Icelandic Health Insurance (Sjúkratryggingar Íslands) is party to.

Expenses arising from treatment and/or follow-up treatment in Iceland or the country of residence.

Treatment abroad for longer than 3 months.

Loss or damage attributable to the fact that the insured could expect to give birth to a child before returning home or is the return date was after week 32 of pregnancy.

Loss or damage that can be attributed to the fact that the insured travelled against the advice of a practicing physician or with the intention of seeking medical treatment abroad.

Medical bills submitted more than twelve months after the insurance event.

Cancellation due to any kind of illness or disease from which the insured was suffering and for which they were receiving treatment at the time the confirmation fee for the trip was paid.

Loss caused directly or indirectly by directives issued by governmental authorities (except those regarding mandatory quarantine).

Loss caused directly or indirectly by expenses that should be paid by a travel agency, hotel or airline.

Loss due to failure to inform a travel agency or the party arranging transport or accommodation that it has been necessary to cancel a trip.

Loss due to financial difficulties or bankruptcy of a travel agency and/or other such parties organising passenger transport.

The first two days of hospitalisation.

Loss or damage due to children under the age of 16 years

The company does not compensate for the unused portion of travel expenses, nor does it compensate for new travel in place of the interrupted trip.

Expenses due to any kind of illness or disease from which a close relative was suffering when the confirmation fee for the trip was paid.

Delays due to strike actions that had already started or were announced before the insured purchased the ticket.

Delays resulting from government orders to suspend or alter public transportation services.

Losses arising from the insured not allowing sufficient time to reach the airport and therefore missing their flight.

No compensation will be paid under this clause if the insured chooses to claim compensation under travel delay coverage.

In an amount exceeding ISK 160,000 for any individual item.

Loss or damage due to liquids, food or other contaminating substances.

Loss or damage caused by moths, vermin, atmospheric conditions, weather or normal wear and tear.

Money, tickets, traveller’s cheques, cheques, bonds or other valuables.

Fragile items.

Compensation is not paid for baggage delays when the insured is on the way home to Iceland. The claimant must provide the company with written confirmation from the carrier clearly stating the duration of the delay.

Loss or damage resulting from normal wear and tear, defects, incorrect assembly, or internal faults such as mechanical failure.

Any single item, pair, or set exceeding ISK 160,000 in value.

The insurer will not provide compensation from both the purchase protection and baggage or shopping insurance for the same damage.

Loss or damage to real estate, fixtures, motor vehicles, boats, pets, plants, or food items.

Damage to cash, securities, manuscripts, original drawings, coin or stamp collections.

If the delay occurs because the insured scheduled a connecting flight within a time limit narrower than the minimum set by the airline/airport in question and an observation to this effect is noted when the reservation is made.

Travel with a duration of five (5) days or less.

Costs for others than the patient and those insured persons who must interrupt their travels and accompany the patient home.

Claims for any type of accident, illness or disease which the insured has suffered and for which they have received medical care and/or treatment during the six months prior to the payment of the confirmation fee for the travel.

Damage or loss attributable to the fact that the insured: a) could expect to give birth to a child before returning home or within two months of the return date

b) when the insured travels against the advice of a practicing doctor or for the purpose of seeking medical treatment abroad.

Expenses due to any kind of illness or disease from which a close relative was suffering when the confirmation fee for the trip was paid.

Loss or damage due to the use or possession of motor vehicles, liability for animals belonging to the insured or liability for ownership of land and buildings.

Loss or damage due to the use of firearms, parachute jumping, glider flying, hang gliding, air balloon flights or organised athletic or professional activities that could be considered life threatening.

Loss or damage to articles that are owned by a third party and are damaged or lost while in the custody of the insured.

If the insured has not obtained the right to drive the vehicle in question or has lost the right to drive it.

Damage due to a car race, a rally, test driving or training for such driving.

The vehicle is driven where driving is prohibited or off-road driving, such as on fields and pastures, on ice, across unbridged rivers or brooks, or across other off-road terrain.

The vehicle is being used in a manner that violates the conditions of the rental agreement and the provisions contained in the terms.

Damage caused due to material defects, design defects, construction defects, repair defects, or malfunction of the vehicle.

Damage caused by normal wear and tear or insufficient maintenance of the rental car.

Loss or damage caused by normal wear and tear, defect, insufficient maintenance.

Loss or damage that occurs when the insured forgets an object.

Loss, for which the manufacturer, seller, repairer, or transporter is responsible according to contract or by law.

Loss or damage to items stolen from an unlocked apartment, vehicle, holiday cottage, trailer, other storage facilities, or that are left unattended in public places.

Loss or damage resulting from any kind of illness or disease that was pre-existing prior to the purchase of the insurance policy.

Loss or damage occurring during the ninth month of pregnancy.

Accident that occurred before the insurance was purchased.

Delayed delivery of golf equipment when the insured is on a return flight back to Iceland.

Damage or loss due to closures of Icelandic golf courses.

Damage or loss due to weather closures that last less than a day.

The deployment or use of any kind of nuclear weapon or device that can cause explosion, radiation, emission, dispersion, discharge or leakage from fissionable matter that emits radioactivity and causes permanent disability or death of the insured.

The deployment or use of chemical weapons that can cause the emission, dispersion, discharge or leakage of any kind of chemical compound in solid, liquid or gaseous form and causes permanent disability or death of the insured.

The deployment/use of biological weapons that can cause the emission, dispersion, discharge or leakage of any pathogenic microorganisms or biologically produced toxic substances that cause permanent disability or death of the insured.

War, invasion, military action, civil war, insurrection, revolution, armed combat against civil authorities, civil unrest that may be compared to insurrection, military coup d’état or usurpation of power.