Travel Insurance Schedule of Benefits

With our flexible travel insurance you can tailor your policy to meet your exact needs.

Single Trip & Annual Travel Insurance

Choose from 3 levels of cover - Silver, Gold or Platinum to suit your holiday and your budget.

	Silver	Gold	Platinum
Standard Excess Standard Excess The standard excess is the amount you will generally have to pay towards the cost of a claim. The excess does not apply to the following sections of the policy: Personal Accident Travel Delay Delayed Baggage Catastrophe Hijack Petcare Scheduled airline failure Ski Pack Piste Closure Avalanche Closure Business Equipment Hire Golf Pack Golf Course Closure Hole in One	£ 95	£ 50	£ 35
Medical Excess 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.	£ 95	£ 50	£ 35
Cancellation 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.	£1,000	£3,000	£7,500
Excursion Limit 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	£250	£250	£250
Curtailment 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.	£1,000	£3,000	£7,500
Excursion Limit 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	£250	£250	£250
Missed Departure and Travel Delay
Missed Departure 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.	£500	£500	£1,000
Travel Delay 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.	£20 per each full 12 hrs up to £300	£20 per each full 12 hrs up to £1,000	£50 per each full 12 hrs up to £1,000
Abandonment 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.	£1,000	£3,000	£7,500
Personal Accident
Death Death Provides a benefit up to the specified amount following accidental death. Terms and conditions apply, see policy wording for full details.	£5,000	£10,000	£25,000
Loss of Limb / Sight 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.	£25,000	£25,000	£25,000
Permanent Total Disablement 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.	£25,000	£25,000	£25,000
Under 18 and over 75 yr old Limit 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.	£1,500	£1,500	£1,500
Emergency Medical and Repatriation Expenses (Not Private Medical Insurance) 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.	£10,000,000	£10,000,000	£10,000,000
Country of Residence Limit 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.	£1,000	£1,000	£1,000
Funeral Expenses Abroad Funeral Expenses Abroad The maximum amount of Medical and Repatriation cover is limited to the amount stated for local funeral expenses abroad.	£1,500	£1,500	£1,500
Hospital Benefit 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.	No Cover	£25 per each full 24 hrs up to £1,000	£25 per each full 24 hrs up to £1,500
Emergency Dental Treatment 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.	£1,000	£1,000	£1,000
Loss of Medication 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.	No Cover	Nil	No Cover
Denial of Boarding (Overseas Return Quarantine)
Accommodation Expenses 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	£40 per each full 24 hrs up to £560	£40 per each full 24 hrs up to £560	£40 per each full 24 hrs up to £560
Return Transport from Europe 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	£300	£300	£300
Return Transport from Worldwide 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	£500	£500	£500
Personal Possessions (Not Gadgets) 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.	£1,000	£1,500	£4,000
Single Item Limit Single Item Limit The maximum amount we will pay for a single item. Terms and conditions apply, see policy wording for full details.	£150	£200	£500
Valuables Limit Valuables Limit The total amount we will pay for all valuable items. Terms and conditions apply, see policy wording for full details.	£150	£200	£500
Prescription Spectacles Limit 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.	£75	£150	£300
Laptop Cover Limit Laptop Cover Limit The maximum amount we will pay for a Laptop. Terms and conditions apply, see policy wording for full details.	£500	£500	£500
Delayed Baggage 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.	£200	£200	£500
Personal Money 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.	£150	£500	£750
Cash Limit Cash Limit The maximum amount of cash we will cover. Terms and conditions apply, see policy wording for full details.	£150	£200	£400
Loss of Passport and Travel Documents 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.	£200	£200	£250
Personal Liability 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.	£2,000,000	£2,000,000	£2,000,000
Rented Accommodation Limit 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.	£100,000	£100,000	£100,000
Legal Costs and Expenses Legal Costs and 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.	£25,000	£25,000	£25,000
Catastrophe 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.	£250	£1,000	£1,000
Hijack 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.	No Cover	£40 per each full 24 hrs up to £500	£50 per each full 24 hrs up to £500
Kennel and Cattery Expenses 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.	No Cover	£30 per each full 12 hrs up to £200	£40 per each full 12 hrs up to £200
Cruise Cover 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.	Optional	Optional	Optional
Phones, Tablets & Other Gadgets Extension 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.	Optional	Optional	Optional
Natural Catastrophe 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.	Optional	Optional	Optional
Missed Connection Cover Missed Connection Cover Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault. The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination. Please see the policy wording for full terms and conditions. For more information please read the full documentation for Missed Connection Cover.	Optional	Optional	Optional
Hazardous Activities Category A 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	Included	Included	Included
Hazardous Activities Category B Hazardous Activities Category B Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A, 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	Optional	Optional	Optional
Hazardous Activities Category C Hazardous Activities Category C Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A and B, 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. Abseiling Big Foot Devil Karting Dirt Boarding Gaelic Football Glacier Skiing Gliding Horse riding over 7 days (no Polo, Hunting or Jumping) Hurling Ice Fishing Ice Hockey - With full body protection Kick Boxing (Training only) Lacrosse/Shinty Manual Work (ground level only including the use of light hand held machinery) Marathon Martial Arts (Training only) Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring) Octopush Off Piste Skiing (with a professional guide/instructor within recognised resort areas) Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas) Outdoor Endurance Events River Tubing Roller Hockey Rugby Sand Boarding Sand Dune Surfing Sand Skiing Sand Yachting Segway (Supervised, non-competitive) Shark Diving (Cage only) Skate Boarding Ski Run Walking Ski Yawing Ski-Dooing Skiing - Sole purpose of trip is covered Skiing (Cross Country) Skiing (Dry Slope) Sledging Snow Blading - Sole purpose of trip is covered Snow Boarding - Sole purpose of trip is covered Snow Bobbing Snow Carting up to a 125cc Snow Decking Snow Go Karting Snow Kiting Snow Mobiling Snow Parascending Snow Scooting Snow Shoe Walking Snow Shoeing Snow Tubing Snow Zorbing Snowboarding (Dry Slope) Snowcat Driving Snowcat Skiing Summer Tobogganing Open water swimming Swimming off a boat (Unsupervised and/ or no lifeguard) Open water swimming with Dolphins Tobogganing Tree Top Canopy Walking Triathlon Water Hockey White Water Canoeing (Grade 5 to 6) White Water Kayaking (Grade 5 to 6) White Water Rafting (Grade 5 to 6) Yachting/Sailing (including crewing) –Offshore but within European waters only - Sole purpose of trip is covered Zip Lining	Optional	Optional	Optional
Winter Sports Cover Winter Sports Cover Extends your policy to provide cover for you when skiing or snowboarding and provides the following additional cover: Ski equipment up to £500 (single article limit of £250) Ski Hire up to £250 Ski pack up to £400 Piste closure £35 for each 24hrs up to £500, provided you are skiing north of the earth’s equator between 1st January and 30th April, or south of the earth’s equator between 1st June and 31st October and the ski resort is higher than 1600 metres above sea level. Avalanche closure £35 for each 24 hrs up to £500 Benefits are per person, and an excess may apply. Please see the policy wording for full details.	Optional	Optional	Optional
Winter Sports with Increased Equipment Cover Winter Sports with Increased Equipment Cover This option includes our standard winter sports cover with the addition of an increased level of cover for your own winter sports equipment. Winter sports equipment up to £2,000 (Single Article Limit £1,000) Hired winter sports equipment up to £250 Ski pack up to £400 Piste closure up to £500 Avalanche closure up to £500 Benefits are per person. Please see the policy wording for full details. NB. You should purchase either Winter Sports Cover or Winter Sports with Increased Equipment Cover, you do not need both.	Optional	Optional	Optional
Business Cover Business Cover Extends your policy to cover accidental loss, theft or damage to business equipment and money. Business equipment up to £2,000 (single article limit of £750) Computer equipment up to £1,000 Samples up to £500 Delayed equipment £100 for each 24hrs up to £300 Emergency courier of essential equipment up to £500 (after 12hrs) Business equipment hire up to £150 for each 24hrs up to £750 Business money up to £500 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 Business Cover.	Optional	Optional	Included
Remove Excess Remove Excess Remove all excesses from your policy. (The excess is the amount you will have to pay towards the cost of a claim) Terms and conditions apply, see policy wording for full details.	Optional	Optional	Optional
Golf Cover Golf Cover Extends your policy to provide cover for golf equipment and non-refundable green fees. Golf equipment up to £1,500 (Single article limit of £300) Golf equipment hire £75 for each 24hrs up to £500 Non-refundable golfing fees £75 for each 24hrs up to £500 Hole in one cover £100 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 Golf Cover.	Optional	Optional	Included
Wedding Cover Wedding Cover Wedding cover up to £1,000 If you are getting married abroad you can extend your policy to include loss, theft or damage to wedding attire up to £1,000, rings up to £250, gifts up to £1,000 and photographs/video up to £750. 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 Wedding Cover.	Optional	Optional	Included
Remove Baggage and Money Remove Baggage and Money Choosing this option will remove any cover for personal possessions and money from your policy. Terms and conditions apply, see policy wording for full details.	Optional	Optional	Optional
Remove Cancellation/Curtailment Remove Cancellation/Curtailment Choosing this option will remove any cover for cancellation and curtailment from your policy. Terms and conditions apply, see policy wording for full details.	Optional	Optional	Optional
Terrorism Cover Extension 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.	Optional	Optional	Optional
Pet Cancellation and Curtailment Pet Cancellation and Curtailment THIS COVER IS NO LONGER AVAILABLE For more information please read the full documentation for Pet Cancellation and Curtailment cover.	No cover	No cover	No cover

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Backpacker Travel Insurance

	Backpacker	Backpacker Plus
Standard Excess Standard Excess The standard excess is the amount you will generally have to pay towards the cost of a claim. The excess does not apply to the following sections of the policy: Personal Accident Travel Delay Delayed Baggage Catastrophe Hijack Petcare Scheduled airline failure Ski Pack Piste Closure Avalanche Closure Business Equipment Hire Golf Pack Golf Course Closure Hole in One	£ 95	£ 70
Medical Excess 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.	£ 95	£ 70
Cancellation 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.	£1,000	£2,000
Excursion Limit 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	£250	£250
Curtailment 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.	£1,000	£2,000
Excursion Limit 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	£250	£250
Missed Departure and Travel Delay
Missed Departure 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.	£550	£550
Travel Delay 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.	No Cover	No Cover
Emergency Medical and Repatriation Expenses (Not Private Medical Insurance) 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.	£5,000,000	£5,000,000
Country of Residence Limit 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.	£1,000	£1,000
Funeral Expenses Abroad Funeral Expenses Abroad The maximum amount of Medical and Repatriation cover is limited to the amount stated for local funeral expenses abroad.	£1,500	£1,500
Hospital Benefit 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.	£10 per each full 24 hrs up to £500	£10 per each full 24 hrs up to £500
Emergency Dental Treatment 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.	£1,000	£1,000
Loss of Medication 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.	No Cover	No Cover
Denial of Boarding (Overseas Return Quarantine)
Accommodation Expenses 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	£40 per each full 24 hrs up to £560	£40 per each full 24 hrs up to £560
Return Transport from Europe 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	£300	£300
Return Transport from Worldwide 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	£500	£500
Personal Possessions (Not Gadgets) 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.	£500	£1,000
Single Item Limit Single Item Limit The maximum amount we will pay for a single item. Terms and conditions apply, see policy wording for full details.	£300	£400
Valuables Limit Valuables Limit The total amount we will pay for all valuable items. Terms and conditions apply, see policy wording for full details.	£250	£250
Prescription Spectacles Limit 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.	£75	£75
Laptop Cover Limit Laptop Cover Limit The maximum amount we will pay for a Laptop. Terms and conditions apply, see policy wording for full details.	No Cover	No Cover
Delayed Baggage 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.	£150	£250
Personal Money 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.	£300	£400
Cash Limit Cash Limit The maximum amount of cash we will cover. Terms and conditions apply, see policy wording for full details.	£300	£400
Loss of Passport and Travel Documents 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.	£300	£300
Personal Liability 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.	£2,000,000	£2,000,000
Rented Accommodation Limit 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.	£100,000	£100,000
Legal Costs and Expenses Legal Costs and 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.	£25,000	£25,000
Phones, Tablets & Other Gadgets Extension 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.	Optional	Optional
Natural Catastrophe 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.	Optional	Optional
Hazardous Activities Category A 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	Included	Included
Hazardous Activities Category B Hazardous Activities Category B Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A, 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	Optional	Optional
Hazardous Activities Category C Hazardous Activities Category C Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A and B, 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. Abseiling Big Foot Devil Karting Dirt Boarding Gaelic Football Glacier Skiing Gliding Horse riding over 7 days (no Polo, Hunting or Jumping) Hurling Ice Fishing Ice Hockey - With full body protection Kick Boxing (Training only) Lacrosse/Shinty Manual Work (ground level only including the use of light hand held machinery) Marathon Martial Arts (Training only) Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring) Octopush Off Piste Skiing (with a professional guide/instructor within recognised resort areas) Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas) Outdoor Endurance Events River Tubing Roller Hockey Rugby Sand Boarding Sand Dune Surfing Sand Skiing Sand Yachting Segway (Supervised, non-competitive) Shark Diving (Cage only) Skate Boarding Ski Run Walking Ski Yawing Ski-Dooing Skiing - Sole purpose of trip is covered Skiing (Cross Country) Skiing (Dry Slope) Sledging Snow Blading - Sole purpose of trip is covered Snow Boarding - Sole purpose of trip is covered Snow Bobbing Snow Carting up to a 125cc Snow Decking Snow Go Karting Snow Kiting Snow Mobiling Snow Parascending Snow Scooting Snow Shoe Walking Snow Shoeing Snow Tubing Snow Zorbing Snowboarding (Dry Slope) Snowcat Driving Snowcat Skiing Summer Tobogganing Open water swimming Swimming off a boat (Unsupervised and/ or no lifeguard) Open water swimming with Dolphins Tobogganing Tree Top Canopy Walking Triathlon Water Hockey White Water Canoeing (Grade 5 to 6) White Water Kayaking (Grade 5 to 6) White Water Rafting (Grade 5 to 6) Yachting/Sailing (including crewing) –Offshore but within European waters only - Sole purpose of trip is covered Zip Lining	Optional	Optional
Increase Excesses to £200 Increase Excesses to £200 You can reduce the cost of your insurance by increasing the excess. (The excess is the amount you will have to pay towards the cost of a claim) Terms and conditions apply, see policy wording for full details.	Optional	Optional
Increase Medical Excess to £300 Increase Medical Excess to £300 You can reduce the cost of your insurance by increasing the excess. (The excess is the amount you will have to pay towards the cost of a claim) Terms and conditions apply, see policy wording for full details.	Optional	Optional
Terrorism Cover Extension 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.	Optional	Optional

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Travel Insurance Schedule of Benefits

Single Trip & Annual Travel Insurance

Standard Excess

Medical Excess

Cancellation

Excursion Limit

Curtailment

Excursion Limit

Missed Departure

Travel Delay

Abandonment

Death

Loss of Limb / Sight

Permanent Total Disablement

Under 18 and over 75 yr old Limit

Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)

Country of Residence Limit

Funeral Expenses Abroad

Hospital Benefit

Emergency Dental Treatment

Loss of Medication

Accommodation Expenses

Return Transport from Europe

Return Transport from Worldwide

Personal Possessions (Not Gadgets)

Single Item Limit

Valuables Limit

Prescription Spectacles Limit

Laptop Cover Limit

Delayed Baggage

Personal Money

Cash Limit

Loss of Passport and Travel Documents

Personal Liability

Rented Accommodation Limit

Legal Costs and Expenses

Catastrophe

Hijack

Kennel and Cattery Expenses

Cruise Cover

Phones, Tablets & Other Gadgets Extension

Natural Catastrophe

Missed Connection Cover

Hazardous Activities Category A

Hazardous Activities Category B

Hazardous Activities Category C

Winter Sports Cover

Winter Sports with Increased Equipment Cover

Business Cover

Remove Excess

Golf Cover

Wedding Cover

Remove Baggage and Money

Remove Cancellation/Curtailment

Terrorism Cover Extension

Pet Cancellation and Curtailment

Backpacker Travel Insurance

Standard Excess

Medical Excess

Cancellation

Excursion Limit

Curtailment

Excursion Limit

Missed Departure

Travel Delay

Emergency Medical and Repatriation Expenses (Not Private Medical Insurance)

Country of Residence Limit

Funeral Expenses Abroad

Hospital Benefit

Emergency Dental Treatment

Loss of Medication

Accommodation Expenses

Return Transport from Europe

Return Transport from Worldwide

Personal Possessions (Not Gadgets)

Single Item Limit

Valuables Limit

Prescription Spectacles Limit

Laptop Cover Limit

Delayed Baggage