Compare travel insurance cover
All you need to decide which cover level is right for youTravel insurance COVER LEVELS
Unsure which cover is right for you? Take a look at the tables below comparing our Premier and Essential cover
Defaqto 5 Star rated Premier policy
Section cover
| Section of cover | Essential policy max limit per person | Premier policy max limit per person | Excess per claim |
|---|---|---|---|
| Cancellation / abandonment after delays |
 |
£10,000 | £90 |
| Additional transport and accommodation costs | |
£1,000 | No excess |
| Delay at your departure point (Limit for each 12 hours of delay) | |
£250 (£25) |
No excess |
| Bankruptcy of travel provider | |
£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 | |
£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” |
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| 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” |
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| 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 |