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Cover Levels

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CoverBasicStandardPremierDiamond
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Benefit per personCover (Excess) Cover (Excess) Cover (Excess) Cover (Excess)
Max days per trip - Multi Trip Policies Only31 days per trip31 days per trip31 days per trip45 days per trip
Cancellation - If you are unable to go on your trip £1,500 (£149)£2,500 (£99)£5,000 (£75)£5,000 (Nil)
If your end supplier fails financially before you go on your tripNo CoverNo Cover£3,000 (Nil)£3,000 (Nil)
If your departure is delayed per 12 hours £10 (Nil)£20 (Nil)£20 (Nil)£75 (Nil)
If your departure is delayed Maximum £150 (Nil)£160 (Nil)£300 (Nil)£750 (Nil)
If you choose to abandon your travel plans£1,500 (£149)£2,500 (£99)£5,000 (£75)£5,000 (Nil)
If you miss your departure £250 (£149)£500 (£99)£1,000 (£75)£1,500 (Nil)
If you miss your connection £250 (£149)£500 (£99)£500 (£75)£1,500 (Nil)
If a major incident happens while you are away - accommodationNo Cover£1,000 (£99)£1,000 (£75)£1,000 (Nil)
If you have to cut your trip short£1,500 (£149)£2,500 (£99)£5,000 (£75)£5,000 (Nil)
If your end supplier fails financially while you are away No CoverNo Cover£3,000 (Nil)£3,000 (Nil)
If you need emergency medical treatment abroad £10,000,000 (£149)£10,000,000 (£99)£10,000,000 (£75)£10,000,000 (Nil)
If you need to be brought home £10,000,000 (£149)£10,000,000 (£99)£10,000,000 (£75)£10,000,000 (Nil)
Additional accommodation or travelling expenses (medical)£10,000,000 (£149)£10,000,000 (£99)£10,000,000 (£75)£10,000,000 (Nil)
If you are buried or cremated abroad£3,000 (Nil)£3,000 (Nil)£3,000 (Nil)£5,000 (Nil)
If your body or ashes need to be brought home £25,000 (£Nil)£25,000 (Nil)£25,000 (£Nil)£25,000 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - per 24 hours£25 (Nil)£25 (Nil)£25 (Nil)£50 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - maximum£500 (Nil)£500 (Nil)£500 (Nil)£1,000 (Nil)
If your checked-in baggage is delayed £100 (Nil)£150 (Nil)£150 (Nil)£300 (Nil)
If your valuables are lost, stolen or accidentally damaged£300 (£149)£300 (£99)£500 (£75)£750 (Nil)
If your other possessions are lost, stolen or accidentally damaged£1,000 (£149)£1,500 (£99)£2,000 (£75)£4,000 (Nil)
If your gadgets are lost, stolen or accidentally damaged No CoverNo Cover£1,000 (£75)£3,000 (Nil)
If your mobility equipment is lost, stolen or accidentally damaged £5,000 (149)£5,000 (£99)£5,000 (£75)£5,000 (Nil)
If you need to hire replacement mobility equipment £1,000 (£149)£1,000 (£99)£1,000 (£75)£1,000 (Nil)
If your cash is lost or stolen £250 (£149)£300 (£99)£300 (£75)£750 (Nil)
If you need emergency travel documents £150 (Nil)£200 (Nil)£300 (Nil)£600 (Nil)
If you are killed, injured or disabled following an accident£5,000 (Nil)£150,000 (Nil)250,000 (Nil)£300,000 (Nil)
If you are held liable for injury or damage £2,000,000 (£149)£2,000,000 (£99)£2,000,000 (£75)£2,000,000 (Nil)
If you need legal advice£7,500 (£149)£15,000 (£99)£50,000 (£75)£50,000 (Nil)
Extensions
Winter sports Extension
If you are unable to use your pre-paid ski pack per 24 hours£15 (Nil)£15 (Nil)£15 (Nil)£15 (Nil)
If you are unable to use your pre-paid ski pack maximum £150 (Nil)£150 (Nil)£150 (Nil)£150 (Nil)
If your winter sports equipment is lost, stolen or accidentally damaged (£150 SAL)£300 (as per your main policy)£300 (as per your main policy)£300 (as per your main policy)£300 (as per your main policy)
If your winter sports equipment is lost, stolen or accidentally damaged - Hire due to damage £100 (Nil)£100 (Nil)£100 (Nil)£100 (Nil)
If your winter sports equipment is delayed per 24 hours £10 (Nil)£10 (Nil)£10 (Nil)£10 (Nil)
If your winter sports equipment is delayed maximum £100 (Nil)£100 (Nil)£100 (Nil)£100 (Nil)
If your hired winter sports equipment is lost, stolen or accidentally damaged (£150 SAL)£300 (as per your main policy)£300 (as per your main policy)£300 (as per your main policy)£300 (as per your main policy)
If an avalanche occurs per 24 hours £10 (Nil)£10 (Nil)£10 (Nil)£10 (Nil)
If an avalanche occurs maximum £100 (Nil)£100 (Nil)£100 (Nil)£100 (Nil)
If you ski resort is closed per 24 hours £10 (Nil)£10 (Nil)£10 (Nil)£10 (Nil)
If you ski resort is closed maximum£100 (Nil)£100 (Nil)£100 (Nil)£100 (Nil)
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CoverBackpacker BasicBackpacker Standard
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Benefit per personCover (Excess) Cover (Excess)
If you are unable to go on your trip £500 (£75)£1,250 (£75)
If your end supplier fails financially before you leave homeNo CoverNo Cover
If you are delayed - per 12 hoursNo Cover£10 (Nil)
If you are delayed - maximum No Cover£150 (Nil)
If you decide to abandon your travel plansNo Cover£1,250 (£75)
If you miss your departure No Cover£500 (£75)
If you miss your connection No Cover£500 (£75)
If a major incident happens while you are away - accommodationNo CoverNo Cover
If you have to cut short your trip£500 (£75)£1,250 (£75)
If your end supplier fails financially while you are awayNo CoverNo Cover
If you need emergency medical treatment abroad £3,000,000 (£75)£5,000,000 (£75)
If you need to be brought home £3,000,000 (£75)£5,000,000 (£75)
Additional accommodation and travelling expenses (medical)£3,000,000 (£75)£5,000,000 (£75)
If you are buried or cremated abroad£3,000 (Nil)£3,000 (Nil)
If your body or ashes need to be brought home£25,000 (Nil)£25,000 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - per 24 hours£20 (Nil)£20 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - maximum £300 (Nil)£300 (Nil)
If your checked-in baggage is delayed£100 (Nil)£150 (Nil)
If your valuables are lost, stolen or accidentally damagedNo Cover£300 (£75)
If your other possessions are lost, stolen or accidentally damaged£1,000 (£75)£1,000 (£75)
If your gadgets are lost, stolen or accidentally damangedNo CoverNo Cover
If your mobility equipment is lost, stolen or accidentally damagedNo CoverNo Cover
If you need to hire replacement mobility equipmentNo CoverNo Cover
If your cash is lost or stolen£150 (£75)£150 (Nil)
If you need emergency travel documents £150 (Nil)£75 (Nil)
If you are killed, injured or disabled following an accident £5,000 (Nil)£150,000 (Nil)
If you are held legally liable for injury or damage £2,000,000 (£75)£2,000,000 (£75)
If you need legal advice£7,500 (£75)£10,000 (£75)
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CoverWintersports Basic Wintersports Standard
If you are unable to go on your trip£1,500 (£149)£2,500 (£99)
If your end supplier fails financially before you leave homeNo CoverNo Cover
If you are delayed - per 12 hours£10 (Nil)£20 (Nil)
If you are delayed - maximum£150 (Nil)£160 (Nil)
If you decide to abandon your travel plans£1,500 (£149)£2,500 (£99)
If you miss your departure£250 (£149)£500 (£99)
If you miss your connection£250 (£149)£500 (£99)
If a major incident happens while you are away - accommodationNo Cover£1,000 (£99)
If you have to cut short your trip£1,500 (£149)£2,500 (£99)
If your end supplier fails financially while you are awayNo CoverNo Cover
If you need emergency medical treatment abroad£10,000,000 (£149)£10,000,000 (£99)
If you need to be brought home£10,000,000 (£149)£10,000,000 (£99)
Additional accommodation and travelling expenses£10,000,000 (£149)£10,000,000 (£99)
If you are buried or cremated abroad£3,000 (Nil)£3,000 (Nil)
If your body or ashes need to be brought home£25,000 (Nil)£25,000 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - per 24 hours£25 (Nil)£25 (Nil)
If you are admitted to a public hospital or confined to your trip accommodation - maximum£500 (Nil)£500 (Nil)
If your checked-in baggage is delayed£100 (Nil)£150 (Nil)
If your valuables are lost, stolen or accidentally damaged£300 (£149)£300 (£99)
If your other possessions are lost, stolen or accidentally damaged£1,000 (£149)£1,500 (£99)
If your gadgets are lost, stolen or accidentally damagedNo CoverNo Cover
If your mobility equipment is lost, stolen or accidentally damaged £5,000 (£149)£5,000 (£99)
If your cash is lost or stolen£250 (£149)£300 (£99)
If you need emergency travel documents£150 (Nil)£200 (Nil)
If you are killed, injured or disabled following an accident£5,000 (Nil)£150,000 (Nil)
If you are held legally liable for injury or damage£2,000,000 (£149)£2,000,000 (£99)
If you are held legally liable for injury or damage£2,000,000 (£149)£2,000,000 (£99)
If you need legal advice£7,500 (£149)£15,000 (£99)
If your ski resort is closed - per 24 hours£100 (Nil)£100 (Nil)
If your ski resort is closed - maximum£1,000 (Nil)£1,000 (Nil)
If you are unable to use your pre-paid ski pack£1,500 (£149)£2,500 (£99)
If you need to hire winter sports equipment£500 (£149)£500 (£99)
If your owned or hired winter sports equipment is lost, stolen or accidentally damaged£750 (£149)£1,000 (£99)
If your ski pass is lost or stolen£250 (£149)£250 (£99)
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