Overview of key benefits

The information below gives you an overview of the key benefits that our single trip and annual multi-trip travel insurance policies provide. Full details can be found in the single trip and annual multi-trip policy document (PDF 1.57MB).

Cancellation charges

Cover Policy limits per person per trip
Overall limit – £50 excess per person, per incident (£20 loss of deposit) £5,000
Excursions £250
Kennel/cattery fees £200

Emergency medical and associated expenses

Cover Policy limits per person per trip
Emergency medical treatment £10,000,000 – £50 excess per person, per incident
Emergency dental pain relief £350
Associated expenses outside the UK £10,000,000
Burial/cremation outside the UK £5,000
Repatriation of remains from outside the UK £7,500
Associated expenses within the UK £2,000
Repatriation of remains within the UK £2,000
Hospital benefit - overall limit £1,000 – Nil excess
Benefit for each 24 hour period £25

Holiday disruption

Cover Policy limits per person per trip
Overall limit £500
Benefit for each 24 hour period £25

Abandonment

Cover Policy limits per person per trip
Overall limit £5,000 – £50 excess per person, per incident
Excursions £250
Kennel/cattery fees £200

Personal accident

Cover Policy limits per person per trip
Death benefit £50,000
Death benefit – if aged under 16 £1,000
Permanent total disablement £50,000
Permanent total disablement if aged over 70 £15,000
Loss of limb/sight £50,000

Personal liability

Cover Policy limits per person per trip
Overall limit per incident – £100 excess per incident for incidents arising from the occupation of temporary holiday accommodation £2,000,000

Delayed departure

Cover Policy limits per person per trip
Delayed departure benefit – £50 excess per person per incident for abandonment after 24 hours £250
Benefit for each 12 hour period £25
Abandonment following 24 hour delay £5,000
Excursions £250
Kennel/cattery fees £200

Missed international departure

Cover Policy limits per person per trip
Overall limit £1,000

Legal expenses and advice

Cover Policy limits per person per trip
Overall limit £50,000

Hijack

Cover Policy limits per person per trip
Overall limit £1,000
Benefit for each 24 hour period £50

Mugging

Cover Policy limits per person per trip
Overall limit £1,000
Benefit for each 24 hour period £50

Catastrophe cover

Cover Policy limits per person per trip
Overall limit – £50 excess per person, per incident £750

Pet care

Cover Policy limits per person per trip
Overall limit per incident £250 per incident
Benefit for each 24 hour period £25

Temporary or emergency passport expenses

Cover Policy limits per person per trip
Overall limit £350

Personal money

Cover Policy limits per person per trip
Overall limit – £50 excess per person, per incident £500
Cash/bank notes £300
Cash/bank notes - if aged under 16 £100

Delayed baggage

Cover Policy limits per person per trip
Overall limit £150

UK Motor breakdown

Cover Policy limits per person per trip
Overall limit per trip £500

Baggage cover (optional)

Cover Policy limits per person per trip
Overall limit – £50 excess per person, per incident £1,500
Limit for any one article, pair or set £300
Limit for valuables (as defined in policy booklet) £400

Winter sports cover (optional)

Cover Policy limits per person per trip
Winter sports equipment – £50 excess per person, per incident  
– own equipment £500
– hired equipment £400
– hire of replacement equipment £200
– loss or stolen lift pass £200
Delay due to avalanche £200
Piste closure limit £300
– daily benefit (transport and compensation) £30
Ski pack £300
Inability to take part in winter sports activities £200
– daily benefit £20

Golfing cover (optional)

Cover Policy limits per person per trip
Own equipment – £50 excess per person, per incident £1,000
Hire of replacement equipment £250
– daily benefit £35
Pre-booked green fees £250

Scuba diving cover (optional)

Refer to limits and excesses under the emergency medical and associated expenses and abandonment headings

Airspace closure cover (optional)

Cover Policy limits per person per trip
Extended cancellation  
– overall limit – £50 excess per person, per incident £5,000
– excursions £250
– kennel/cattery fees £200
Enforced stay abroad  
– overall limit – unable to return home – no excess £1,500
– benefit for every 24 hour period £100
– overall limit – reasonable additional travel costs £1,000

Travel disruption cover (optional)

Cover Policy limits per person per trip
Extended cancellation  
–overall limit – £50 excess per person, per incident £5,000
– excursions £250
– kennel/cattery fees £200
Extended abandonment  
– overall limit – £50 excess per person, per incident £5,000
- excursions £250
– kennel/cattery fees £200
Missed connections outside of the UK  
– overall limit – £50 excess per person, per incident £1,000
Delay outside the UK  
– delayed departure benefit £250
– benefit for each 12 hour period £25

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