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Summary of cover

Policy Summary (policies issued after 01/09/2008)

Policy Section	Limit of Cover per person (Economy)	Excess
1. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£5,000,000	£100
2. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£350	£100
3. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
4. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	Nil	Nil
5. Cancellation & Curtailment We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£500	£100 (£20 loss of deposit)
6. Travel Delay If Your Outward journey is delayed for more than 12 hours:
6.1 We will pay a benefit for each 12 hours up to the maximum amount.	Nil	Nil
6.2 Provides Cancellation cover as outlined in section 5.	Nil	Nil
6.3 We will pay for a replacement ticket to reach your destination.	Nil	Nil
7. Missed Departure on the outward journey We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	Nil	Nil
8. Personal Possessions If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single Article Limit (£75 if under 18) Valuables Limit (£75 if under 18) Travel Documents (£100 if under 18) Baggage Delay	£200 £100 £100 Nil Nil	£100 £100 £100 Nil Nil
9. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit (£50 is under 18)	£100 £100	£100 £100
10. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	£100
11. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£10,000 £10,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
12. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£10,000 per policy	£100
13. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	Nil	Nil
15. Catastrophe If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	Nil	Nil
15. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	Nil	Nil
16. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	Nil	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
17. Skis & Ski Equipment In addition to Section 10 we will pay if the ski equipment owned or hired by you. Ski Equipment (Owned) Ski Equipment (Hired)	£350 £200	£75 £75
18. Ski Hire In addition to Section 20 cover includes the hire of replacement skis and ski equipment	£20 per complete 24 hours; maximum £200	Nil
19. Ski Pack	£75 per complete 24 hours; maximum £300	Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £200	Nil
21. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £200	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
22. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Article Limit	Nil Nil	Nil Nil
23. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	Nil	Nil
24. Non Refundable Golf Fees	Nil	Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
25. Business Equipment In addition to section 8 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Delayed Business Samples Computer Equipment Limit Business Equipment delay Emergency Courier Expenses Business Equipment Hire	Nil Nil Nil Nil Nil Nil Nil Nil	Nil Nil Nil Nil Nil Nil Nil Nil
26. Business Money Covers the loss of business money Cash Limit	Nil Nil	Nil Nil
27. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil

Policy Section	Limit of Cover per person (Standard)	Excess
1. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£7,500,000	£100
2. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£350	£100
3. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
4. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	£25 per 24 hours up to £100	Nil
5. Cancellation & Curtailment We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£2,000	£100 (£20 loss of deposit)
6. Travel Delay If Your Outward journey is delayed for more than 12 hours:
6.1 We will pay a benefit for each 12 hours up to the maximum amount.	£20 for the first 12 hours and £10 for each subsequent 12 hours up to £300	Nil
6.2 Provides Cancellation cover as outlined in section 5.	£2,000	£100
6.3 We will pay for a replacement ticket to reach your destination.	£500	Nil
7. Missed Departure on the outward journey We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£800	£75
8. Personal Possessions If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single Article Limit (£75 if under 18) Valuables Limit (£75 if under 18) Travel Documents (£100 if under 18) Baggage Delay	£1,500 £150 £150 £200 £50 per 24 hours up to £100	£75 £75 £75 Nil Nil
9. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit (£50 is under 18)	£350 £150	£75 £75
10. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	£100
11. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£25,000 £25,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
12. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£15,000 per policy	£75
13. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£50 per 24 hours up to £350	Nil
15. Catastrophe If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,000	Nil
15. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£500	Nil
16. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	£20 per 24 hours up to £200	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
17. Skis & Ski Equipment In addition to Section 10 we will pay if the ski equipment owned or hired by you. Ski Equipment (Owned) Ski Equipment (Hired)	£350 £200	£75 £75
18. Ski Hire In addition to Section 20 cover includes the hire of replacement skis and ski equipment	£20 per complete 24 hours; maximum £200	Nil
19. Ski Pack	£75 per complete 24 hours; maximum £300	Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £200	Nil
21. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £200	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
22. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Article Limit	£1,000 £500	£75 £75
23. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	£20 per 24 hours up to £100	Nil
24. Non Refundable Golf Fees	£75 per 24 hours up to £300	Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
25. Business Equipment In addition to section 8 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Delayed Business Samples Computer Equipment Limit Business Equipment delay Emergency Courier Expenses Business Equipment Hire	£1,000 £500 £500 £1,000 £150 £100 £30 per hour up to £300	£75 £75 £75 £75 Nil £75 Nil
26. Business Money Covers the loss of business money Cash Limit	£1,000 £500	£75 £75
27. Replacement Employee Cover for a business colleague to replace you following your repatriation	£1,000	£75

Policy Section	Limit of Cover per person (Premier)	Excess
1. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£10,000,000	£50
2. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£500	£50
3. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
4. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	£25 per 24 hours up to £300	Nil
5. Cancellation & Curtailment We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£5,000	£50 (£20 loss of deposit)
6. Travel Delay If Your Outward journey is delayed for more than 12 hours:
6.1 We will pay a benefit for each 12 hours up to the maximum amount.	£20 for the first 12 hours and £10 for each subsequent 12 hours up to £300	Nil
6.2 Provides Cancellation cover as outlined in section 5.	£5,000	£50
6.3 We will pay for a replacement ticket to reach your destination.	£1,500	Nil
7. Missed Departure on the outward journey We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	£1,000	£50
8. Personal Possessions If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single Article Limit (£75 if under 18) Valuables Limit (£75 if under 18) Travel Documents (£100 if under 18) Baggage Delay	£2,000 £200 £200 £200 £50 per 24 hours up to £150	£50 £50 £50 Nil Nil
9. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit (£50 if under 18)	£500 £200	£50 £50
10. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	£50
11. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£50,000 £50,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
12. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£50,000 per policy	£50
13. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	£50 per 24 hours up to £500	Nil
15. Catastrophe If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	£1,500	Nil
15. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	£750	Nil
16. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	£20 per 24 hours up to £300	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
17. Skis & Ski Equipment In addition to Section 10 we will pay if the ski equipment owned or hired by you. Ski Equipment (Owned) Ski Equipment (Hired)	£1,000 £500	£50 £50
18. Ski Hire In addition to Section 20 cover includes the hire of replacement skis and ski equipment	£20 per complete 24 hours; maximum £300	Nil
19. Ski Pack	£75 per complete 24 hours; maximum £450	Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £300	Nil
21. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £300	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
22. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Article Limit	£1,500 £500	£50 £50
23. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	£25 per 24 hours up to £150	Nil
24. Non Refundable Golf Fees	£100 per 24 hours up to £400	Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
25. Business Equipment In addition to section 8 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Delayed Business Samples Computer Equipment Limit Business Equipment delay Emergency Courier Expenses Business Equipment Hire	£1,000 £500 £500 £1,000 £150 £100 £30 per hour up to £300	£50 £50 £50 £50 Nil £50 Nil
26. Business Money Covers the loss of business money Cash Limit	£1,000 £500	£50 £50
27. Replacement Employee Cover for a business colleague to replace you following your repatriation	£1,500	£50

Please note: Backpacker extended stay policies are only available for travelers up to the age of 45.

Policy Section	Limit of Cover per person (Backpackers)	Excess
1. Medical Emergency & Repatriation If you have a sudden and unforeseen accident or illness during your trip we will pay for your reasonable medical expenses and the costs of bring you back to the UK.	£7,500,000	£100
2. Emergency Dental Treatment We will pay for the cost of providing temporary neccessary treatment for the immediate relief of pain	£350	£100
3. Additional Accommodation & Travelling Costs We will pay for the additional accommodation and travelling costs of anyone medically required to accompany you home	£2,000	Nil
4. Hospital Daily Benefit We will pay you a daily benefit per complete day of in-patient treatment up to a maximum amount.	£25 per 24 hours up to £100	Nil
5. Cancellation & Curtailment We will pay for the costs of your trip if you have to cancel because of the unforeseen illness or death of a close relative, or if your presence is required in the UK because you are called up on jury service, subpoenaed as a witness in a court of law, or your home has been severely damaged, or you are made redundant, or you are compulsorily quarantined, or if you cancel after a 12- hour delay.	£500	£100 (£20 loss of deposit)
6. Travel Delay If Your Outward journey is delayed for more than 12 hours:
6.1 We will pay a benefit for each 12 hours up to the maximum amount.	Nil	Nil
6.2 Provides Cancellation cover as outlined in section 5.	Nil	Nil
6.3 We will pay for a replacement ticket to reach your destination.	Nil	Nil
7. Missed Departure on the outward journey We will pay reasonable additional travelling and accommodation expenses necessarily incurred to reach your booked destination because of failure of public transport, or breakdown of or accident to the private vehicle in which you are travelling.	Nil	Nil
8. Personal Possessions If your luggage is lost, stolen or damaged we will pay for the cost of replacement (less wear, tear and depreciation). Single Article Limit (£75 if under 18) Valuables Limit (£75 if under 18) Travel Documents (£100 if under 18) Baggage Delay	£1,500 £150 £150 £200 £50 per 24 hours up to £100	£100 £100 £100 Nil Nil
9. Money & Passport We will cover you for the loss of money you are carrying on your person or which you have left in a safety deposit box. If you lose your passport we will pay for reasonable travel and accommodation costs incurred in replacing it. Cash Limit	£100 £100	£100 £100
10. Personal Liability If you become legally liable for accidentally injuring any person or damaging their property, we will cover you against all sums which you become legally liable to pay and all costs awarded to the claimant or incurred in defending the claims	£2,000,000 per policy	£100
11. Personal Accident Covers you for loss of life, limb or sight that occurs during the trip after an accident. Permanent Total Disablement Loss of Limb & Loss of Sight Death Benefit (aged 18-65) Death Benefit (aged under 18) All Benefits (aged 66 and over)	£10,000 £10,000 £5,000 £1,000 £1,000	Nil Nil Nil Nil Nil
12. Legal Protection If you suffer death, illness or injury during your trip and decide to take legal action in pursuit of compensation, we will pay for legal costs and additional travel expenses.	£10,000 per policy	£100
13. Hijack Covers you if your aircraft or sea vessel is hijacked for more than 24 hours	Nil	Nil
15. Catastrophe If your accommodation can not be lived in because of fire, flood, earthquake or storm we will provide you with similar accommodation	Nil	Nil
15. Withdrawal Of Services Covers you if you are without water, gas or electricity for more than 60 hours	Nil	Nil
16. Pet Care If your return journey is delayed we will pay for extra kennel or cattery fees	Nil	Nil
Optional Winter Sports cover - Your policy can be extended to cover winter sports on payment of an additional premium
17. Skis & Ski Equipment In addition to Section 10 we will pay if the ski equipment owned or hired by you. Ski Equipment (Owned) Ski Equipment (Hired)	£350 £200	£75 £75
18. Ski Hire In addition to Section 20 cover includes the hire of replacement skis and ski equipment	£20 per complete 24 hours; maximum £200	Nil
19. Ski Pack	£75 per complete 24 hours; maximum £300	Nil
20. Piste Closure We will pay a benefit if lack of snow prevents you from skiing for more than 24 hours.	£20 per complete 24 hours; maximum £200	Nil
21. Avalanche or Landslide If access to and from a ski resort is blocked we will pay a benefit toward reasonable extra travel and accommodation costs	£20 per complete 24 hours; maximum £200	Nil
Optional Golf cover - Your policy can be extended to cover your golf equipment on payment of an additional premium
22. Golf Equipment In addition to section 9 we will pay if the Golf Equipment owned or hired by you is lost or damaged Golf Equipment Single Article Limit	Nil Nil	Nil Nil
23. Golf Equipment Hire In addition to Section 24 cover includes the hire of replacement golf equipment	Nil	Nil
24. Non Refundable Golf Fees	Nil	Nil
Optional Business cover - Your policy can be extended to cover your business equipment on payment of an additional premium
25. Business Equipment In addition to section 8 we will pay if the Business Equipment owned by you is lost or damaged Business Equipment Single Article Limit Business Samples Delayed Business Samples Computer Equipment Limit Business Equipment delay Emergency Courier Expenses Business Equipment Hire	Nil Nil Nil Nil Nil Nil Nil Nil	Nil Nil Nil Nil Nil Nil Nil Nil
26. Business Money Covers the loss of business money Cash Limit	Nil Nil	Nil Nil
27. Replacement Employee Cover for a business colleague to replace you following your repatriation	Nil	Nil

Annual travel insurance

Even more important than packing your toothbrush, annual travel insurance is essential if you're a regular traveller. Unforeseen mishaps can ruin a business trip or holiday, so finding the right annual travel insurance is a must.

	Single Trip	Annual Multi-trip
Economy	£3.92	£24.99
Standard	£5.23	£29.99
Premier	£6.52	£41.99