The services provided in respect of Pre-Trip Assistance, Travel Assistance and Medical Assistance are by way of referral and arrangement only, and all expenses actually incurred are to be borne by the Insured Persons. Where expenses are incurred in relation to the services under Medical Arrangements, these will be borne by the Company. The services under Medical Emergencies are provided upon the specified terms and conditions of the policy and are available only when the Insured Persons are on a Journey.