Compare travel insurance cover

All you need to decide which cover level is right for you
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Travel insurance COVER LEVELS

Unsure which cover is right for you? Take a look at the tables below comparing our Premier and Essential cover

Section cover

Section of cover Essential policy max limit per person Premier policy max limit per person Excess per claim
Cancellation / abandonment after delays
No £10,000 £90
Additional transport and accommodation costs No
£1,000 No excess
Delay at your departure point (Limit for each 12 hours of delay) No
£250
(£25)
No excess
Bankruptcy of travel provider No £10,000 No excess
Activities included
Standard only Adventure and standard N/A 
Maximum trip length on annual multi trip policies (age restrictions apply) 31 days 90 days N/A
Cancelling your trip before you travel, eg due to illness
£5,000 £10,000 £90
Cancelling excursions or activities while on your trip, eg due to illness £5,000 £10,000 £90
Cutting short/cancelling your trip after you've travelled, eg due to illness  £5,000 £10,000 £90
Emergency medical expenses (excluding UK cover)  £10 million £90
Personal liability £2 million  No excess
Personal accident £25,000  No excess
Legal advice & expenses (up to £50,000 per policy) £25,000  No excess

Cruise cover

Cruise cover Essential policy max limit per person Premier policy max limit per person Excess per claim
Cover if you miss a port departure No
£1,000 No excess
Cabin confinement

Per day limit
£1,000

£100
£1,500

£150
No excess
Cover to re-join the cruise after illness

£1,000
No excess
Compensation if a scheduled port stop is cancelled
£150 per port No excess

Baggage cover (optional)

Optional cover (baggage) Essential policy max limit per person Premier policy max limit per person Excess per claim
Replacement or hire of essential baggage £250
£500
No excess
Damaged, lost or stolen baggage and valuables

Total valuables limit

Single item limit
£2,000

£300

£300
£3,000

£500

£500
£50
Loss or theft of personal money

Cash limit
£500

£300
£500

£300
£50
Loss of your passport £500 £500
£50
Loss of your driving licence £500 £500 £50

Winter sports cover (optional)

Optional cover (Winter sports) Essential policy max limit per person Premier policy max limit per person Excess per claim
Personal liability for winter sports activities £2 million per policy No excess
Personal accident as a result of a winter sports activity £25,000 per person No excess
Emergency medical expenses paid that resulted from doing a winter sports activity £10 million per person £90
Unused pre-booked winter sports tuition, due to bad weather
Included as standard – see “Cancelling excursions or activities while on your trip”

Unused pre-paid lift pass for each day it can’t be used because the lifts are not in use
Included as standard – see “Cancelling excursions or activities while on your trip”
Cancel winter sports excursions / activities while on trip eg due to illness  £5,000 £10,000 £90
Cancel / cut short your trip after leaving home if this is required as a result of doing a winter sports activity £5,000 £10,000 £90
 

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