We offer a range of policies to suit your requirements with cover benefits and excesses varying between policy types.
Full policy details can be found in our policy wording documents but we've provided the information below to allow you to compare policies.
It's important to note that the benefits listed are the maximum that can be claimed under each section of the policy and limits and terms and conditions may apply to the coverage. This information can be found in the policy wording documents.
Please note that as standard our policies will not cover mobile telephones whilst cover for electronic and photographic items are subject to the limits outlined below. Some of our policies have an optional 'Gadget Extension' available which extends coverage up to a further £500, £1,000 or £1,500, including cover for mobile phones. You will see this as an option at the second stage of the purchase process. Please refer to our policy wording documents for further details of this cover. If you are looking for standalone gadget cover please visit 'Gadget Cover' to obtain a quote.
It may be that not all policies are suitable for your trip as availability will depend upon your age, trip duration, area of travel etc. When obtaining a travel insurance quote you will be shown the appropriate quotes for your trip.
The tables below include policy excesses in brackets.
| First Class | Economy 500 | Longstay | Backpacker | |
| Cancelling Your Trip | £5,000 (£60) | £3,000 (£80) | £2,500 (£75) | £1,000 (£95) |
| Delayed Travel Each Full 12 Hours Delayed Travel Total |
£50 (Nil) £250 |
No Cover | £20 (Nil £200 |
No Cover |
| Missing your Departure | £1,000 (Nil) | No Cover | £1,000 (Nil) | No Cover |
| Abandoning your trip after 24 hours Delay | £5,000 (£60) | No Cover | £2,500 (£75) | No Cover |
Your Personal Belongings |
£1,500 (£60) |
£500 (£80) £200 £100 £100 £100 £250 £250 £500 £100 £150 |
£1,000 (£75)
|
£500 (£95)
£300 £75 £75 £75 No Cover £100 £100 £75 £150 |
| Personal Belongings delayed in transit for more than 12 hours | £150 (Nil) | No Cover | £100 (£Nil) | No Cover |
Your Personal Money |
£500 (£60)
£250 ( Nil) |
£250 (£80)
£250 (Nil) |
£500 (£75) £200 (Nil) |
No Cover |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 (£60) | £5,000,000 (£80) | £10,000,000 (£75) | £5,000,000 (£95) |
| Emergency Dental treatment | £500 (Nil) | £500 (Nil) | £100 (Nil) | £100 (Nil) |
| Emergency Medical Expenses inside home country (UK) | £1,500 (Nil) | £1,500 (Nil) | No Cover | No Cover |
| State hospital stay benefit abroad per 24 hours State hospital stay benefit abroad total |
£30 (Nil) £300 |
No Cover | £30 (Nil) £200 |
No Cover |
| Cutting short your trip | £5,000 (£60) | £3,000 (£80) | £500 (£75) | £500 (£95) |
| Your Personal Liability | £2,000,000 (£60) | £1,000,000 (£80) | £2,000,000 (£75) | £2,000,000 (£95) |
| Personal Accident – Death | £25,000 (Nil) | £10,000 (Nil) | £15,000 (Nil) | £10,000 (Nil) |
| Personal Accident – Loss of Limb | £25,000 (Nil) | £10,000 (Nil) | £15,000 (Nil) | £10,000 (Nil) |
| Personal Accident – Permanent Total Disability | £25,000 (Nil) | £10,000 (Nil) | £15,000 (Nil) | £10,000 (Nil) |
| Legal Advice and Costs | £25,000 (Nil) | £10,000 (Nil) | £25,000 (Nil) | £5,000 (Nil) |
| Hijacking, Kidnap and Detention | £3,000 (Nil) | £1,000 (Nil) | £500 (Nil) | No Cover |
| Car Hire Excess Waiver | £250 (Nil) | No Cover | No Cover | No Cover |
| End Supplier Failure | £3,000 (Nil) | £3,000 (Nil) | £3,000 (Nil) | £3,000 (Nil) |
| Emigration Gold | Emigration Silver | |
| Cancelling Your Trip | £3,000 (£65) | £1,500 (£85) |
| Missing your Departure | £250 (Nil) | No Cover |
Your Personal Belongings |
£1,500 (£65) £1,000 £200 £100 £100 £500 £500 £500 £100 £150 |
£500 (£85) £300 £100 £85 £100 £250 £100 £100 £85 £150 |
| Personal Belongings delayed in transit for more than 12 hours | £150 (Nil) | No Cover |
Your Personal Money |
£250 (£65) £250 (Nil) |
No Cover |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 (£65) |
£5,000,000 (£85) |
| Emergency Dental treatment | £200 (Nil) | £200 (Nil) |
| Your Personal Liability | £2,000,000 (Nil) | £1,000,000 (£85) |
| Personal Accident – Death | £15,000 (Nil) | £5,000 (Nil) |
| Personal Accident – Loss of Limb | £15,000 (Nil) | £5,000 (Nil) |
| Personal Accident – Permanent Total Disability | £15,000 (Nil) | £5,000 (Nil) |
| Legal Advice and Costs | £15,000 (Nil) | No Cover |
| Hijacking, Kidnap and Detention | £1,000 (Nil) | No Cover |
| Car Hire Excess Waiver | £250 (Nil) | No Cover |
| End Supplier Failure | £3,000 (Nil) | £3,000 (Nil) |
| Annual Multi Trip | Budget Annual Multi Trip | |
| Cancelling Your Trip | £3,000 (£60) | £1,000 (£85) |
| Delayed Travel Each Full 12 Hours Delayed Travel Total |
£50 (Nil) £250 |
£20 (Nil) £100 |
| Missing your Departure | £500 (£60) | £500 (£85) |
| Abandoning your trip after 24 hours Delay | £3,000 (£60) | £1,000 (£85) |
Your Personal Belongings |
£1,500 (£60) £1,000 £200 £100 £100 £300 £300 £100 £150 |
£500 (£85) |
| Personal Belongings delayed in transit for more than 12 hours | £150 (Nil) | £50 (Nil) |
Your Personal Money |
£500 (£60) £250 (Nil) |
£100 (£85) £100 (Nil) |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 (£60) | £5,000,000 (£85) |
| Emergency Dental treatment | £500 (Nil) | £100 (Nil) |
| Emergency Medical Expenses inside home country (UK) | £1,500 (£60) | No Cover |
| State hospital stay benefit abroad per 24 hours State hospital stay benefit abroad total |
£50 (Nil) £1,500 |
£50 (Nil) £500 |
| Cutting short your trip | £3,000 (£60) | £1,000 (£85) |
| Your Personal Liability | £2,000,000 (£60) | £2,000,000 (£85) |
| Personal Accident – Death | £25,000 (Nil) | £15,000 (Nil) |
| Personal Accident – Loss of Limb | £25,000 (Nil) | £15,000 (Nil) |
| Personal Accident – Permanent Total Disability | £25,000 (Nil) | £15,000 (Nil) |
| Legal Advice and Costs | £25,000 (Nil) | £10,000 (Nil) |
| Hijacking, Kidnap and Detention | £3,000 (Nil) | £500 (Nil) |
| Car Hire Excess Waiver | £250 (Nil) | No Cover |
| End Supplier Failure | £3,000 (Nil) | £3,000 (Nil) |
| Working Holiday | |
| Cancelling Your Trip | £2,500 (£75) |
| Delayed Travel Each Full 12 Hours Delayed Travel Total |
£20 (Nil £200 |
| Missing your Departure | £1,000 (Nil) |
| Abandoning your trip after 24 hours Delay | £2,500 (£75) |
Your Personal Belongings |
£1,000 (£75) |
| Personal Belongings delayed in transit for more than 12 hours | £100 (£Nil) |
Your Personal Money |
£500 (£75) £200 (Nil) |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 (£75) |
| Emergency Dental treatment | £100 (Nil) |
| State hospital stay benefit abroad per 24 hours State hospital stay benefit abroad total |
£20 (Nil) £200 |
| Cutting short your trip | £500 (£75) |
| Your Personal Liability | £2,000,000 (£75) |
| Personal Accident – Death | £5,000 (Nil) |
| Personal Accident – Loss of Limb | £15,000 (Nil) |
| Personal Accident – Permanent Total Disability | £15,000 (Nil) |
| Legal Advice and Costs | £25,000 (Nil) |
| Hijacking, Kidnap and Detention | £500 (Nil) |
| Car Hire Excess Waiver | No Cover |
| End Supplier Failure | £3,000 (Nil) |