London Welsh ARFC is covered by the 'RFU Personal Accident Insurance for Players’. A summary of the RFU’s Accidental Death and Permanent Total Disability Insurance cover is set out at Summary of Personal Accident Protection for Players, for a copy of the full policy wording, please email firstname.lastname@example.org.
An excellent Frequently Asked Question page can be found on the RFU website http://www.rfu.com/managingrugby/insurance/faqs
Foreign tours are not covered by the RFU insurance and always required the prior approval of the Middlesex Constituent Body. More information can be found on their web site.