Travel Insurance cover and benefits
Here's a summary of our travel insurance cover for our Essential and Premier policies, with brief details of the cover limits and relevant excess amounts that apply to each section and benefit
You can expand the headers below to find out more detail about our travel insurance cover or you can read the policy information documents.
The following sections of cover apply to both Essential and Premier policies
Cancellation or cutting short your trip
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Cancellation of your trip before you travel | Cover for costs you’ve paid if you have to cancel a trip because of the sudden and unexpected illness of you, a relative or travelling companion. | £5,000 | £50 |
Cancellation of excursions or activities while on your trip | Cover for excursions or activities (including Winter Sports tuition fees) if you have to cancel on a trip because you're seriously ill or injured, or a travelling companion and you need to provide them with assistance. | £5,000 | £50 |
Cutting short/ cancel your trip after you've travelled | Cover to reimburse you for costs you’ve paid if you have to cut your trip short because of the sudden and unexpected illness or injury of you, a relative or travelling companion. | £5,000 | £50 |
Emergency medical and related expenses
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Emergency medical and related expenses (Europe or worldwide) | Cover for unexpected emergency medical treatment costs and to arrange to get you back home if you’re too unwell to continue your trip. | £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. | £25 per day, max £1,000 | Nil |
Emergency medical and associated expenses (UK) | Cover to get you back home if you’re too unwell to continue your trip (please note that emergency medical treatment costs are not available if you only have UK cover because the NHS will cover these). | £2,000 | £50 |
Personal accident
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Cover if you die, lose your sight, limb, or are permanently disabled | Cover if you're involved in an external, visible accident/incident that results in: Death; permanent loss of sight in one or both eyes; permanent loss of one or both feet; being left with a permanent physical disability. | £25,000 | Nil |
Personal liability
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Cover if you’re legally responsible for damage or loss to a person or property | Covers the costs and compensation you have to pay if you’re legally responsible for damage to a person or property that happens while you’re away on a trip. | £2 million | Nil |
Legal expenses
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Legal advice & expenses | If you have a travel related legal problem to do with your trip, you can call our 24 hour legal helpline for advice. If you’re ill, injured or die on a trip because of someone else’s negligence and want to claim for damages or compensation we may provide legal representation. | £25,000 (policy max all persons £50,000) | Nil |
Hijack or kidnap
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
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 |
The following sections of cover only apply to Premier policies
Delayed or cancelled departure
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Delayed departure | We'll pay you £25 compensation for each 12 hour period if you are delayed at the departure point. | £250 delay | Nil |
Cancellation (abandonment) after transport delays or cancellation | If your departure is delayed for more than 24 hours or is cancelled and no alternative arrangements are available for more than 24 hours, and you decide to abandon your journey. | £5,000 - abandonment | £50 |
Additional transport / accommodation costs
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Additional transport and/or accommodation costs | Cover for additional costs you have to pay for transport or accommodation to reach your destination if you miss your pre-booked transport or experience travel delays of more than 24 hours. | £1,000 | Nil |
Bankruptcy of provider
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
If your transport, accommodation or excursion provider goes bankrupt | This section of cover is provided by International Passenger Protection. Cover for lost costs if the actual provider (not the booking agent) of your transport / accommodation / activity / excursion becomes insolvent and did not have any insurance protection (or a bond) in place for such an event. | £5,000 | Nil |
The following sections of cover only apply if you selected cover for baggage/personal belongings.
Cover for items you take on a trip:
Delayed baggage
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Replacement or hire of essential baggage items while on a trip | Cover to pay for the necessary replacement of toiletries, medication and items of clothing and the hire of sports equipment if yours is missing for more than 12 hours from when you arrived at your destination, or lost/ damaged while on a trip. | Essential policy £250 Premier policy £500 | Nil |
Baggage/personal belongings
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Damaged, lost or stolen baggage and valuables | Cover to pay for your baggage and valuables (including hired sports equipment you are responsible for) that are damaged, stolen, lost or destroyed while on a trip. | Essential policy Overall limit £2,000 Total valuables limit £300 Single item limit £300 Premier policy Overall limit £3,000 Total valuables limit £500 Single item limit £500 | £50
£50 |
Personal money
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Loss or theft of personal money | Cover to pay for loss or theft of your personal money (cash, cheques, postal and money orders, current postage stamps, travellers’ cheques, coupons or vouchers that have a monetary value, admission tickets, travel tickets, pre-paid passes) while on your trip. | Essential & Premier £500 (cash limit £300) | £50 |
Loss of your passport or drivers licence
Section | Cover | Limit (up to) per person | Excess per person |
|---|---|---|---|
Loss of your passport | 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. | Essential & Premier | £50 |
Loss of your driving licence | If your driving licence is lost while on a journey and you need to provide evidence of your driving licence to the police authorities, or you need evidence of your driving licence to continue with your journey, we'll pay for extra transport, accommodation and admin costs you have to pay to get a replacement driving licence or evidence of your driving licence from the DVLA. | Essential & Premier | £50 |
