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Cover Levels
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| Cover | Basic | Standard | Premier | Diamond |
|---|---|---|---|---|
| Get A Quote Policy Wording | Get A Quote Policy Wording | Get A Quote Policy Wording | Get A Quote Policy Wording | |
| COVID Cover | Included - please click here for more information | Included - please click here for more information | Included - please click here for more information | Included - please click here for more information |
| Benefit per person | Cover (Excess) | Cover (Excess) | Cover (Excess) | Cover (Excess) |
| Max days per trip - Multi Trip Policies Only | 31 days per trip | 31 days per trip | 31 days per trip | 45 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 trip | No Cover | No Cover | £3,000 (Nil | £3,000 (Nil) |
| If you departure is delayed per 12 hours | £10 (Nil) | £20 (Nil) | £20 (Nil) | £75 (Nil) |
| If you departure is delayed Maximum | £150 (Nil) | No Cover | £300 (Nil) | £750 (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 you choose to abandon your travel plans | £1,500 (£149) | £2,500 (£99) | £5,000 (£75) | £5,000 (Nil) |
| If your end supplier fails financially while you are on your trip - Additional Costs | No Cover | No Cover | £3,000 (Nil) | £3,000 (Nil) |
| If your end supplier fails financially while you are on your trip - Return Transportation | No Cover | No Cover | £3,000 (Nil) | £3,000 (Nil) |
| If you are denied boarding on your return journey - Additional Accommodation per 24 hours | £40 (Nil) | £40 (Nil) | £40 (Nil) | £40 (Nil) |
| If you are denied boarding on your return journey - Additional Accommodation Maximum | £560 (Nil) | £560 (Nil) | £560 (Nil) | £560 (Nil) |
| If you are denied boarding on your return journey - Return Transportation Europe | £300 (Nil) | £300 (Nil) | £300 (Nil) | £300 (Nil) |
| If you are denied boarding on your return journey - Return Transportation Worldwide | £500 (Nil) | £500 (Nil) | £500 (Nil) | £500 (Nil) |
| If a major incident happens while you are on your trip - Additional travel expenses to move to a safer area | No Cover | £1,000 (£99) | £1,000 (£75) | £1,000 (Nil) |
| If a major incident happens while you are on your trip - Additional accommodation per 24 hours | No Cover | £100 (Nil) | £100 (Nil) | £100 (Nil) |
| If a major incident happens while you are on your trip - Additional accommodation maximum | No Cover | £700 (Nil) | £700 (Nil) | £700 (Nil) |
| If a major incident happens while you are on your trip - Food and drink per 24 hours | No Cover | £30 (Nil) | £30 (Nil) | £30 (Nil) |
| If a major incident happens while you are on your trip - Food and drink maximum | No Cover | £210 (Nil) | £210 (Nil) | £210 (Nil) |
| If a major incident happens while you are on your trip - Baby essential and/or prescribed medication | No Cover | £150 (Nil) | £150 (Nil) | £150 (Nil) |
| If your return journey to your home country is delayed per 12 hours | No Cover | No Cover | N/A | £75 (Nil) |
| If your return journey to your home country is delayed maximum | No Cover | No Cover | N/A | £750 (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 | £200,000 (£149) | £200,000 (£99) | £200,000 (£75) | £250,000 (Nil) |
| If you need to be brought home - Body/Ashes | £25,000 (£149) | £25,000 (£99) | £25,000 (£75) | £25,000 (Nil) |
| If you are buried or cremated abroad | £3,000 (Nil) | £3,000 (Nil) | £3,000 (Nil) | £5,000 (Nil) |
| If you are admitted to a public hospital per 24 hours | £25 (Nil) | £25 (Nil) | £25 (Nil) | £50 (Nil) |
| If you are admitted to a public hospital maximum | £500 (Nil) | £500 (Nil) | £500 (Nil) | £1,000 (Nil) |
| If you are taken ill or injured in your home country | £1,500 (£149) | £1,500 (£99) | £1,500 (£75) | £2,500 (Nil) |
| Curtailment - If you have to cut your trip short | £1,500 (£149) | £2,500 (£99) | £5,000 (£75) | £5,000 (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 (Single Article Limit £250) | £300 (£149) | £300 (£99) | £500 (£75) | £750 (Nil) |
| If your gadgets are lost, stolen or accidentally damaged | Optional (See Below) | Optional (See Below) | £1,000 (£75) | £3,000 (Nil) |
| If your gadgets are lost, stolen or accidentally damaged - Unauthorised Calls/Data | Optional (See Below) | Optional (See Below) | £1,000 (£75) | £1,000 (Nil) |
| If your other possessions are lost, stolen or accidentally damaged (Single Article Limit £250) | £1,000 (£149) | £1,500 (£99) | £2,000 (£75) | £4,000 (Nil) |
| If your mobility equipment is lost, stolen or accidentally damaged | £5,000 (149) | £5,000 (£99) | £5,000 (£75) | £5,000 (Nil) |
| If your mobility equipment is lost, stolen or accidentally damaged - If you need to hire mobility equipment | £1,000 (£149) | £1,000 (£99) | £1,000 (£75) | £1,000 (Nil) |
| If your cash or event tickets are lost or stolen - Cash | £250 (Nil) | £300 (Nil) | £300 (Nil) | £750 (Nil) |
| If your cash or event tickets are lost or stolen - Event Tickets | £250 (Nil) | £250 (Nil) | £250 (Nil) | £750 (Nil) |
| If you need emergency travel documents - Replacement document | £75 (Nil) | £100 (Nil) | £300 (Nil) | £300 (Nil) |
| If you need emergency travel documents - Travel and accommodation expenses | £75 (Nil) | £100 (Nil) | £150 (Nil) | £300 (Nil) |
| If you need emergency travel documents - Towards new passport | No Cover | No Cover | No Cover | £150 (Nil) |
| If you need legal advice | £7,500 (£149) | £15,000 (£99) | £50,000 (£75) | £50,000 (Nil) |
| If you are killed, injured or disabled following an accident - Death | £5,000 (Nil) | £10,000 (Nil) | 15,000 (Nil) | £20,000 (Nil) |
| If you are killed, injured or disabled following an accident - Loss of sight/Loss of limb | £5,000 (Nil) | £10,000 (Nil) | £15,000 (Nil) | £20,000 (Nil) |
| If you are killed, injured or disabled following an accident - Permanent and total disablement | £5,000 (Nil) | £15,000 (Nil) | £25,000 (Nil) | £30,000 (Nil) |
| If you are held legally liable for injury or property damage | £2,000,000 (£149) | £2,000,000 (£99) | £2,000,000 (£75) | £2,000,000 (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) |
| Cruise Extension | ||||
| If you miss your sailing | £1,000 (as per your main policy) | £1,000 (as per your main policy) | £1,000 (as per your main policy) | £1,000 (as per your main policy) |
| If you are confined to your cabin per 24 hours | £50 (Nil) | £50 (Nil) | £50 (Nil) | £50 (Nil) |
| If you are confined to your cabin maximum | £300 (Nil) | £300 (Nil) | £300 (Nil) | £300 (Nil) |
| If you cannot go on your shore excursions | £500 (Nil) | £500 (Nil) | £500 (Nil) | £500 (Nil) |
| If your ships itinerary changes per port | £100 (Nil) | £100 (Nil) | £100 (Nil) | £100 (Nil) |
| If your ships itinerary changes maximum | £500 (Nil) | £500 (Nil) | £500 (Nil) | £500 (Nil) |
| Gadget Extension | ||||
| If your gadgets are lost, stolen or accidentally damaged | £1,000 (as per your main policy) | £1,000 (as per your main policy) | Covered as Standard | Covered as Standard |
| If your gadgets are lost, stolen or accidentally damaged - Unauthorised Calls/Dara | £1,000 (as per your main policy) | £1,000 (as per your main policy) | Covered as Standard | Covered as Standard |
| Carers Extension | ||||
| Additional cover if you cannot go on your trip | As per the limit under Section 'Cancellation - If you are unable to go on your trip' in your main policy. | As per the limit under Section 'Cancellation - If you are unable to go on your trip' in your main policy. | As per the limit under Section 'Cancellation - If you are unable to go on your trip' in your main policy. | As per the limit under Section 'Cancellation - If you are unable to go on your trip' in your main policy. |
| Additional cover if you have to cut short your trip | As per the limit under Section 'Curtailment - If you have to cut your trip short ' in your main policy. | As per the limit under Section 'Curtailment - If you have to cut your trip short ' in your main policy. | As per the limit under Section 'Curtailment - If you have to cut your trip short ' in your main policy. | As per the limit under Section 'Curtailment - If you have to cut your trip short ' in your main policy. |
| Policy Options | ||||
| Waiver | ||||
| Excess Waiver | £0 Excess | £0 Excess | £0 Excess | N/A |
| Get A Quote Policy Wording | Get A Quote Policy Wording | Get A Quote Policy Wording | Get A Quote Policy Wording |
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| Staycation Plus | |
|---|---|
| Get A Quote Policy Wording | |
| COVID Cover | Included - please click here for more information |
| Benefit per person | Cover (Excess) |
| Max days per trip - Multi Trip Policies Only | 21 days per trip |
| Cancellation - If you are unable to go on your trip | £2,500 (£25) |
| Travel Disruption - If you departure is delayed per 6 hours | £50 (Nil) |
| Travel Disruption - If you departure is delayed Maximum | £500 (Nil) |
| Curtailment - If you have to cut your trip short | £2,500 (£25) |
| Medical - Repatriation | £50,000 (£25) |
| Medical - Hospital in-patient benefit per 24 hours | £30 (Nil) |
| Medical - Hospital in-patient benefit maximum | £600 (Nil) |
| Medical - Visitation | £5,000 (£25) |
| Medical - Return of body or ashes | £5,000 (£25) |
| Medical - Vehicle and/or possessions repatriation | £500 (£25) |
| Possessions - Valuables and eletrical items (Single Article Limit £500) | £2,500 (£25) |
| Possessions - Other possessions (Single Article Limit £500) | £2,500 (£25) |
| Possessions - Cash | £250 (£25) |
| Possessions - Event tickets | £250 (£25) |
| Gadget(s) | £1,500 (£25) |
| Property Damage | £2,500 (£25) |
| Unexpected Events - Catastrophe | £1,000 (£25) |
| Unexpected Events - Beach pollution per 24 hours | £50 (Nil) |
| Unexpected Events - Beach pollution maximum | £250 (Nil) |
| Unexpected Events - Attraction closure per 24 hours | £100 (£25) |
| Unexpected Events - Attraction closure maximum | £600 (£25) |
| Unexpected Events - Vehicle breakdown | £1,000 (£25) |
| Unexpected Events - Event/Booking cancellation | £250 (£25) |
| Unexpected Events - If you are denied boarding on your return journey - Additional Accommodation per 24 hours | £40 (Nil) |
| Unexpected Events - If you are denied boarding on your return journey - Additional Accommodation Maximum | £560 (Nil) |
| Unexpected Events - If you are denied boarding on your return journey - Return Transportation | £300 (Nil) |
| Get A Quote Policy Wording |
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| Cover | Backpacker Basic | Backpacker Standard |
|---|---|---|
| Get A Quote Policy Wording | Get A Quote Policy Wording | |
| Benefit per person | Cover (Excess) | Cover (Excess) |
| Cancellation - If you are unable to go on your trip | £500 (£75) | £1,250 (£75) |
| If you departure is delayed per 12 hours | No Cover | £10 (Nil) |
| If you departure is delayed Maximum | No Cover | £150 (Nil) |
| If you miss your departure | No Cover | £500 (£75) |
| If you miss your connection | No Cover | £500 (£75) |
| If you choose to abandon your travel plans | No Cover | £1,250 (£75) |
| If you are denied boarding on your return journey - Additional Accommodation per 24 hours | £40 (Nil) | £40 (Nil) |
| If you are denied boarding on your return journey - Additional Accommodation Maximum | £560 (Nil) | £560 (Nil) |
| If you are denied boarding on your return journey - Return Transportation Europe | £300 (Nil) | £300 (Nil) |
| If you are denied boarding on your return journey - Return Transportation Worldwide | £500 (Nil) | £500 (Nil) |
| If you need emergency medical treatment abroad | £3,000,000 (£75) | £5,000,000 (£75) |
| If you need to be brought home | £200,000 (£75) | £200,000 (£75) |
| If you need to be brought home - Body/Ashes | (£25,000 (£75) | £25,000 (£75) |
| If you are buried or cremated abroad | £3,000 (Nil) | £3,000 (Nil) |
| If you are admitted to a public hospital per 24 hours | £20 (Nil) | £20 (Nil) |
| If you are admitted to a public hospital maximum | £300 (Nil) | £300 (Nil) |
| Curtailment - If you have to cut your trip short | £500 (£75) | £1,250 (£75) |
| If your valuables are lost, stolen or accidentally damaged (Single Article Limit £200) | No Cover | £300 (£75) |
| If your other possessions are lost, stolen or accidentally damaged (Single Article Limit £200) | £1,000 (£75) | £1,000 (£75) |
| If you cash or event tickets are lost or stolen - Cash | £150 (Nil) | £150 (Nil) |
| If you cash or event tickets are lost or stolen - Event Tickets | £150 (Nil) | £150 (Nil) |
| If you need emergency travel documents - Replacement document | £75 (Nil) | £75 (Nil) |
| If you need emergency travel documents - Travel and accommodation expenses | £75 (Nil) | £75 (Nil) |
| If you need legal advice | £7,500 (£75) | £10,000 (£75) |
| If you are killed, injured or disabled following an accident - Death | £5,000 (Nil) | £10,000 (Nil) |
| If you are killed, injured or disabled following an accident - Loss of sight/Loss of limb | £5,000 (Nil) | £10,000 (Nil) |
| If you are killed, injured or disabled following an accident - Permanent and total disablement | £5,000 (Nil) | £10,000 (Nil) |
| If you are held legally liable for injury or property damage | £2,000,000 (£75) | £2,000,000 (£75) |
| Get A Quote Policy Wording | Get A Quote Policy Wording |
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