• 20% off applies to the base rate of Travel Insurance and does not apply to any additional premium for any pre-existing medical condition(s) or additional options added on during the booking process. • Available to verified TOTUM members. • Terms and conditions apply as specified on the offer provider's website. • Exclusions and eligibility criteria may apply. • Cannot be combined with other offers unless otherwise stated. • Offer may be amended or withdrawn at any time without notice.