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Standard Excess
The excess is the amount you will generally have to pay in the event of a claim. The excess in the event of a medical claim may be higher and some sections of the policy are not subject to an excess. Please see the policy summary for more details. Your policy schedule will also detail the excess payable for each section.
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£ 100
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£ 75
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Medical Excess
This is the is the amount you will generally have to pay towards the cost of a claim under the medical and repatriation section of the policy.
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£ 250
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£ 75
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| A1 |
Cancellation
Provides cover for your unrecoverable holiday costs in the event that you are forced to cancel your trip due to various reasons such as illness or redundancy, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£1,250
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£3,000
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Excursion Limit
Covers excursions, pre-booked before you go on your trip, which you are unable to use as a result of having to cancel your trip due to the reasons stated under the Cancellation section of the policy
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£250
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£250
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| B1 |
Curtailment
Provides cover for your unrecoverable holiday costs in the event that you are forced to curtail your trip (return home early) due to various reasons such as illness or injury, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£1,250
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£3,000
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Excursion Limit
Covers excursions, pre-booked before you go on your trip, which you are unable to use as a result of having to return home early from your trip due to the reasons stated under the Curtailment section of the policy
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£250
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£250
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| B2 |
Missed Departure and Travel Delay
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|
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Missed Departure
Provides cover for additional travel and/or accommodation expenses in the event that you miss the international departure of your outward journey, due to accident, electrical or mechanical breakdown of the vehicle you are travelling in, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£250
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£500
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Travel Delay
Provides a benefit to cover incidental expenses, up to the amount specified, if the start of your booked outward, or return international, journey is delayed for more than 12 hours, due to industrial action, adverse weather or mechanical breakdown. Terms and conditions apply, see policy wording for full details.
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£10 per each full 12 hrs up to £100
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£15 per each full 12 hrs up to £1,000
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Abandonment
Provides cover in the event that you choose to abandon your holiday, after experiencing a delay of over 24 hours after checking in, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£1,250
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£3,000
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| B3 |
Personal Accident
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|
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Death
Provides a benefit up to the specified amount following accidental death. Terms and conditions apply, see policy wording for full details.
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£5,000
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£25,000
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Loss of Limb / Sight
Provides a benefit up to the specified amount following accidental permanent loss of limb or sight. Terms and conditions apply, see policy wording for full details.
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£5,000
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£25,000
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Permanent Total Disablement
Provides a benefit up to the specified amount following accidental permanent total disablement. Terms and conditions apply, see policy wording for full details.
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£5,000
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£25,000
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Under 18 and over 75 yr old Limit
Provides a benefit up to the specified amount following an accident leading to death or disability. Terms and conditions apply, see policy wording for full details.
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£1,500
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£1,500
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| B4 |
Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)
Provides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.
Please note: A limit of £1000 per person applies if your trip is within your country of residence.
You should be aware that this is not private medical insurance, in that it only covers unavoidable, unexpected emergency treatment. You are not covered for private medical treatment if there are medically capable public facilities available.
Terms and conditions apply, see policy wording for full details.
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£10,000,000
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£10,000,000
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Country of Residence Limit
The maximum amount of Medical and Repatriation cover is limited to the amount stated when you are within your country of residence.
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£1,000
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£1,000
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Funeral Expenses Abroad
The maximum amount of Medical and Repatriation cover is limited to the amount stated for local funeral expenses abroad.
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£1,500
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£1,500
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Hospital Benefit
Provides a benefit for each 24 hour period you spend in hospital as an in-patient, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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No Cover
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£10 per each full 12 hrs up to £500
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Emergency Dental Treatment
Cover for emergency dental treatment is for the relief of pain only. Terms and conditions apply, see policy wording for full details.
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£350
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£350
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Loss of Medication
Provides cover up to the amount specified for the necessary and reasonable cost of replacing essential medication lost or stolen during your trip. Terms and conditions apply, see policy wording for full details.
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No Cover
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No Cover
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Denial of Boarding
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|
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Accommodation Expenses
Additional travel insurance cover if you are denied boarding on your return journey due to having or being suspected of having an infectious disease (including COVID-19). Up to £40 per person per day (up to a maximum of £560) towards additional accommodation expenses (of a standard no greater than your original booking). Please note: This cover is not applicable if you have booked a package holiday. In that situation you should contact your tour operator for support. In order to make a claim you will need to provide written evidence from your transport provider that you were denied boarding and the reason for this. Terms and conditions apply, see wording for full details
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£40 per each full 24 hrs up to £560
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£40 per each full 24 hrs up to £560
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Return Transport from Europe
Additional travel insurance cover if you are denied boarding on your return journey due to having or being suspected of having an infectious disease (including COVID-19). Up to £300 per person towards the cost of return transport home. (This must be at a standard no greater than the class of transport on your outbound journey, on the same mode of transport and at the earliest possible date based on medical or local authority advice). Please note: This cover is not applicable if you have booked a package holiday. In that situation you should contact your tour operator for support. In order to make a claim you will need to provide written evidence from your transport provider that you were denied boarding and the reason for this. Terms and conditions apply, see wording for full details
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£300
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£300
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Return Transport from Worldwide
Additional travel insurance cover if you are denied boarding on your return journey due to having or being suspected of having an infectious disease (including COVID-19). Up to £500 per person towards the cost of return transport home. (This must be at a standard no greater than the class of transport on your outbound journey, on the same mode of transport and at the earliest possible date based on medical or local authority advice). Please note: This cover is not applicable if you have booked a package holiday. In that situation you should contact your tour operator for support. In order to make a claim you will need to provide written evidence from your transport provider that you were denied boarding and the reason for this. Terms and conditions apply, see wording for full details
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£500
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£500
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| B5 |
Personal Possessions (Not Gadgets)
Provides cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£1,250
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£2,500
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Single Article Limit
The maximum amount we will pay for a single item. Terms and conditions apply, see policy wording for full details.
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£150
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£250
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Valuables Limit
The total amount we will pay for all valuable items. Terms and conditions apply, see policy wording for full details.
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£150
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£250
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Prescription Spectacles Limit
The maximum amount we will pay for the loss, theft or damage to prescription glasses or sunglasses. Terms and conditions apply, see policy wording for full details.
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£75
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£75
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Laptop Cover Limit
The maximum amount we will pay for a Laptop. Terms and conditions apply, see policy wording for full details.
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£500
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£500
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Delayed Baggage
Provides a benefit to cover the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£100
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£250
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Personal Money
Provides cover for the accidental loss or theft of money whilst on your person, in a safe or locked securely in accommodation under your control, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£150
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£250
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Cash Limit
The maximum amount of cash we will cover. Terms and conditions apply, see policy wording for full details.
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£150
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£250
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| B6 |
Loss of Passport and Travel Documents
Provides cover for reasonable costs of replacing your passport, travel documents or tickets following accidental loss or theft, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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£200
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£200
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| B7 |
Personal Liability
Provides cover up to the amount specified, if you are legally liable for accidentally injuring someone, or damaging or losing their property (this does not include third party motor liability). Terms and conditions apply, see policy wording for full details.
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£2,000,000
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£2,000,000
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Rented Accommodation Limit
The maximum we will pay for accidental damage to rented accommodation for a single incident which you are legally responsible for. Terms and conditions apply, see policy wording for full details.
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£100,000
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£100,000
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| B8 |
Legal Expenses
Provides cover for your legal expenses up to the amount specified, if you have to claim compensation or damages from another person. Terms and conditions apply, see policy wording for full details.
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£25,000
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£25,000
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| B9 |
Catastrophe
Provides cover up to the amount specified to continue your trip if you are forced to move from your pre booked accommodation as a result of a natural catastrophe such as hurricane or earthquake. Terms and conditions apply, see policy wording for full details.
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No Cover
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£500
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| B10 |
Hijack
Provides a daily benefit in the event that the aircraft or ship you are travelling in is hijacked, up to the amount specified. Terms and conditions apply, see policy wording for full details.
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No Cover
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£40 per each full 24 hrs up to £500
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| B11 |
Kennel and Cattery Expenses
Provides a daily benefit, up to the amount specified, to cover kennel or cattery fees if you are delayed for over 12 hours on your return journey. Terms and conditions apply, see policy wording for full details.
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No Cover
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£30 per each full 12 hrs up to £200
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Cruise Cover
If your holiday involves a cruise you must purchase this extension to be fully covered.
Additional your policy is extended to include - Cabin Confinement £50 for each 24hrs up to £1,000
- Missed Port Departure up to £500
- Itinerary Change up to £100
- Unused Excursions £25 for each 24hrs up to £750
- Cruise Interruption up to £250
Benefits are per person. Please see the policy wording for full details.
For more information please read the
full documentation
for Cruise Cover.
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Optional
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Optional
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Hazardous Activities Category A
Your cover automatically includes the Activities listed below at no additional cost. Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity. Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities. - Aerobics
- Angling/Fishing (Fresh Water)
- Archery
- Badminton
- Bamboo Rafting
- Banana Boating
- Baseball
- Basketball
- Beach Games
- Biking on road only
- Blade Skating
- Board Sailing-Inshore only
- Boating
- Body Boarding- Inshore only
- Boogie Boarding- Inshore only
- Bowls
- Canoeing
- Catamaran Sailing- Inshore only
- Clay Pigeon Shooting
- Cricket
- Croquet
- Cross Country Running
- Curling
- Cycling (excluding off-road, BMX or Mountain Biking)
- Dancing
- Darts
- Dinghy Sailing
- Disc Golf
- Doughnut
- Dragon Boat Racing
- Fell walking up to 2000 metres
- Fruit or Vegetable Picking (no higher than 3 metres)
- Glass Bottom Boats
- Goalball
- Golf
- Handball
- Hiking up to 2000 metres (excluding the use of picks, ropes and guides)
- Hobie Catting - Inshore only
- Ice-skating (rink only)
- Jet Boating - Inshore only
- Jet Skiing - Inshore only
- Jogging
- Kayaking- Inshore only and up to white water grade 3
- Kite Boarding
- Kite Surfing
- Korfball
- Laser Tag
- Low Ropes
- Motorcycling up to 50cc (Excluding Quad biking and Motorcycle Touring)
- Netball
- Non-Manual Labour – excluding Animal Sanctuary/Refuge work
- Orienteering
- Parascending (towed by boat)
- Pilates
- Pony Trekking
- Pool
- Power Boating -Inshore only
- Rackets
- Racquet Ball
- Rafting - Inshore only and up to white water grade 3
- Rambling up to 2000 metres (excluding the use of picks, ropes and guides)
- Roller skating
- Rounders
- Rowing
- Sail Boarding -Inshore only
- Sailing- Inshore
- Scuba diving (up to 18 metres, also see scuba diving endorsement in this policy)
- Sea Fishing (From Shore)
- Snooker
- Snorkelling
- Softball
- Spinning
- Squash
- Surfing - Inshore only
- Swimming - (Pool and Beach swimming within a marked area with a lifeguard only)
- Swimming off a boat (with a qualified supervisor in attendance i.e. a lifeguard)
- Swimming with dolphins
- Sydney Harbour Bridge Climbing (Professional, organised and supervised)
- Table tennis
- Tennis
- Theme Parks
- Trampolining
- Trekking up to 2000 metres (excluding the use of picks, ropes or guides)
- Tubing
- Tug of War
- Volleyball
- Wakeboarding
- Walking up to 2000 metres (excluding the use of picks, ropes and guides)
- War games
- Water Parks
- Water Polo
- Water-skiing – Inshore only and no jumping
- Whale Watching
- Windsurfing - Inshore only
- Yachting (excluding crewing) – Inshore only
- Yoga
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Included
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Included
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Hazardous Activities Category B
Provided you have paid the appropriate premium, you will be covered for all the activities listed under Activity Pack 1, plus the Activities listed below. Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity. Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities. - Animal/Camel/Elephant/Horse/Riding under 7 days
- Breathing Observation Bubble (BOB) up to 18 metres
- Bungee Jump
- Charity Rallies (no racing) - Sole purpose of trip is covered
- Cycle Touring - Sole purpose of trip is covered
- Deep Sea Fishing -Inshore only
- Dog Sledging
- Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
- Fencing
- Flying a private plane or small aircraft
- Flying as a passenger in a private or small aircraft
- Football
- Glacier Walking
- Go Karting up to 250cc
- Gorilla Trekking - Sole purpose of trip is covered
- Gymnastics
- Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Hockey - (Field)
- Hot Air Ballooning
- Hydro Zorbing
- Manual/Farm Work (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
- Motorcycling (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
- Paint Balling
- Passenger Sledge
- Quad Biking (no racing) 125cc or under as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence
- Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- Reindeer Sledge
- Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
- Scuba Diving (between 18 and 30 metres, also see scuba diving endorsement in this policy)
- Sea Canoeing -Inshore only
- Sea Kayaking -Inshore only
- Soccer
- Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
- White Water Canoeing (Grade 4)
- White Water Kayaking (Grade 4)
- White Water Rafting (Grade 4)
- Wind Tunnel Flying
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Optional
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Optional
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Virtual UK Doctor Access
Separate to the travel insurance policy, this service provides unlimited access to a private UK General Practitioner (GP) helpline whilst you are on holiday, allowing you to speak with a doctor at a time and place that suits you. The GP's can provide, reassurance, advice and diagnosis which can prevent an unnecessary trip to a resort doctor or hospital.
The fully qualified UK-based GP's are available 24 hours a day by phone or alternatively via video consultation between (UK time) 8:00am and 10:00pm Monday to Friday (excluding bank holidays), Saturday 8am and 8pm and Sunday 10am and 6pm .
No registration is required and all consultations are secure and confidential.
For more information please read the
full documentation
for Virtual UK Doctor Access.
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No cover
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No cover
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Phones, Tablets & Other Gadgets Extension
Gadget Cover Up to £1,000 We will pay up to £1,000 for the intrinsic value or cost of repair of your gadgets, including tablet computers and mobile phones, which is lost, stolen, damaged or destroyed whilst you are away on your trip. Unauthorised calls if your mobile phone is stolen up to £75 We can cover the following gadgets: Mobile phones, iPhones, iPads, Tablets, Smartwatches and Go Pro’s. Please note:
You must take reasonable care of your gadgets and not leave them unattended in a public place.
You must own the item and be able to provide proof of ownership.
Allowance will be made for wear and tear and depreciation. Other terms and conditions apply. Please read the Policy Wording for the full details.
For more information please read the
full documentation
for Gadget Cover Extension.
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Optional
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Optional
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Terrorism Cover Extension
Covers your portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 (excursion limited to £250) should you not wish to travel due to an act of terrorism occurring prior to your outbound travel date and within a 40 mile radius of your booked accommodation.
OR if you have already travelled;
your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.
Benefits are per person and an excess may apply. Please see the policy wording for full details.
For more information please read the
full documentation
for Terrorism Cover Extension.
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Optional
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Optional
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Pet Cancellation and Curtailment
This option extends the cancellation and curtailment section of your policy to provide cover for unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment.
Cancellation cover is provided if you are forced to cancel your trip due to your cat or dog needing emergency life-saving treatment in the seven days before your trip starts.
Curtailment cover is provided if you are forced to return home early because your cat or dog needs emergency life-saving treatment whilst you are away.
Cover for cancellation or curtailment is up to £2,000 per person.
Benefits are per person and an excess may apply. Please see the policy wording for full details.
For more information please read the
full documentation
for Pet Cancellation and Curtailment Cover.
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Optional
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Optional
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Natural Catastrophe
Provides additional cover for cancellation and additional expenses as a result of a catastrophic natural event, such as: fire, flood, earthquake, storm, lightening, explosion, hurricane or volcanic eruption which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the latter. Natural Catastrophe cover is available to add to any of your policies and includes the following cover: Cover for cancellation up to £1,500 per person
Provides cover for any part of your outward, onward, return journey or whole trip which is cancelled due to a natural catastrophe. Additional expenses to enable you to return home up to £1,500 in total per person Provides cover for reasonable additional accommodation (room only) costs and transport expenses, up to the standard of your original booking, to enable you to return home if the public transport you are booked on is cancelled or delayed due to a natural catastrophe and an alternative is not provided within 24 hours, or in the case of connecting transport, not provided within a time frame that allows you to continue with your original itinerary. Please note: Cover does not apply if your holiday forms part of a tour operator’s package. In this instance it is the responsibility of your tour operator to look after you and get you home. Benefits are per person and an excess may apply. Please see the policy wording for full details.
For more information please read the
full documentation
for Natural Catastrophe Cover.
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Optional
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Optional
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