Travel Insurance cover and benefits
Below is a summary of our travel insurance cover, with brief details of the limits and sub-limits that apply to each section and benefit.
We also offer additional cover for winter sports, golf, weddings and business travel, which you have the option of adding to our standard cover when getting your quote.
Please click on the relevant headings below for details of the policy cover.
You should read the policy information documents for full terms and conditions of our travel insurance cover.
Cancellation or cutting short your trip
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Cancellation or cutting short your trip | We will cover you for cancellation or cutting short your trip if you are suddenly taken ill or become injured, and cannot start/ continue with your trip. | £5,000 | £50 |
Emergency medical expenses
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Emergency medical and associated expenses | If you are taken into hospital or you think you may have to come home early or extend your trip because of illness or injury, we will cover the necessary emergency expenses incurred during your journey. | £10 million | £50 |
In-patient benefit | For each 24-hour period that you are in hospital as an in-patient, we will pay you a daily benefit to cover any additional costs you incurred such as telephone calls, taxi fares, magazines, food and drink, etc. | Up to £25 per day, max £1,000 | Nil |
Loss of your passport or drivers licence
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Loss of your passport or drivers licence | If your passport is lost or stolen during your journey we will cover the extra costs incurred for transport, accommodation and administration, when obtaining a replacement passport. | £500 | £50 |
Delayed personal possessions
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Delayed personal possessions | If your baggage is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, we will pay for essential replacement items. | £250 | Nil |
Personal possessions (if selected)
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Personal possessions (if selected) | We will cover you for your personal possessions damaged, stolen, lost or destroyed on your journey. | £2,500 | £50 |
Personal money (if personal possessions cover is selected)
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Personal money (if personal possessions cover is selected) | We will cover you for loss or theft of your personal money while on your journey. | £500 | £50 |
Personal accident
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Personal accident | A benefit of up to £25,000 could be claimed if you die, suffer loss of sight or limb(s) or physical disablement as a result of an accident during your journey. | £25,000 | Nil |
Missed departure
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Missed departure | Cover for extra travel and accommodation costs incurred to get you to your UK departure point to commence your outward journey. | £1,000 | Nil |
Delayed departure
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Delayed departure | We'll pay you £25 compensation for each 12 hour period if you are delayed at the departure point. | £250 delay | Nil |
If your departure from the UK is delayed for more than 24 hours and you decide to abandon your journey. | £5,000 - abandonment | £50 |
Personal liability
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Personal liability | If you are held legally liable for damage to property or accommodation not belonging to you or bodily injury to any person, we will pay your legal and related costs. | £2 million | Nil |
Legal expenses
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Legal expenses | If you take legal action to claim damages or compensation for negligence against a third party, we will assist you by appointing a legal adviser and paying your legal costs. | £25,000 (policy max all persons £50,000) | Nil |
Natural disaster
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Natural disaster | We will pay for the cost of necessary extra travel and equivalent accommodation if you are no longer able to remain in your pre-booked accommodation as a result of a severe natural disaster affecting the area where you are staying. | £1,000 | £50 |
Hijack or kidnap
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Hijack or kidnap | We will pay you £25 for each 24 hour period you are detained and the costs involved for negotiating your release. | £2,000 | Nil |
Home help
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Home help | If during your journey you become ill or are injured and have to go into hospital or remain in bed when you are repatriated home to the UK, we will pay for the cost of home help services or a registered nanny. | £300 | Nil |
Recovery holiday after surgery abroad
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Recovery holiday after surgery abroad | If you spend more than five days as an in-patient in a hospital outside of the UK and during your journey, we will pay for you to take a holiday to recover from your surgery. | £500 | £50 |
Cosmetic surgery
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Cosmetic surgery | If you suffer an injury during your journey, we will pay for you to have soft facial tissue cosmetic surgery in the UK to correct the damage. | £2,500 | £50 |
Medical examination after surgery abroad
Section | Cover | Limit (up to) per person | Excess |
|---|---|---|---|
Medical examination after surgery abroad | After having in-patient surgery in a hospital outside the UK during your journey, we will pay for you to be medically examined in the UK. | £300 | Nil |
