Travel Plus


Travel Plus provides wide-ranging cover for individuals, couples and families, giving you peace of mind and protection both before and during your holiday/trip.

You can choose from 2 levels of cover – Premier, and Premier Plus.

Click here
for details of the benefits and benefit limits which apply to each level of cover.

Why choose Travel Plus?

Travel Plus provides £10,000 of cancellation cover per person on a Premier Plus policy, and £5,000 per person on a Premier policy. These generous levels allow for luxury trips to be booked and paid for with full confidence. However, if more cancellation cover is required, call us on 02392 419 044 and we may be able to top up your cover on an additional policy.

A Travel Plus policy allows £10m medical  expenses. So, if the worst happens, you and your family are fully protected from life-changing levels of debt incurred by extremely high medical bills.

Experienced multi-lingual coordinators and medical specialists are available 24 hours a day, 365 days a year. They will guarantee your medical costs where necessary to do so. Liaise with the treating doctor, and arrange repatriation if medically necessary.

Cover for many medical conditions is included with Travel Plus policies. Any can be declared during the online quote process or over the phone with one of our specialist medical screening advisors. Please be aware that the medical conditions declared, and any further medical and health information required, will be used to calculate the premium due.

Children must be under the age of 18 (or 23 if still in full time education). If they are under the age of 18 years, they must have the permission of their parent and/or guardian and be accompanied by a responsible adult e.g. on a school trip.

Note: We do cover unaccompanied children.

Included with Premier & Premier Plus – Provides cover up to £1,000 (Premier) or £1,500 (Premier Plus) for theft, accidental damage, loss, breakdown and unauthorised call/data use for your gadgets including handheld consumer electronic devices such as mobile phones, tablets, iPads, kindles, satnavs, cameras, lenses, camcorders, smartwatches, smart glasses, head-mounted displays, handheld games consoles, portable DVD players, headphones, wireless speakers, MP3 players, iPods and laptop computers (laptops are not covered for accidental loss and there is no cover provided under this section for drones and wearables), purchased or leased as new in the UK or, in the case of refurbished items sold with a minimum of 12 month warranty which should be evidenced on the evidence of ownership.

No cover is provided for any device that was purchased as second hand or used, that is not a refurbished device that was sold with a minimum 12 month warranty; any device that is no more than 48 months old at the start date of your trip and 18 months old if your gadget is a laptop.

(Automatically included on Annual Multi-trip Policies; additional premium required for Single Trip Policies).

  • Provides cover for ship to shore repatriation or on-board medical fees if you are ill or injured during your trip.
  • Missed embarkation following a delay in travel.
  • Cancellation of a scheduled port visit following a change in cruise itinerary.
  • Cabin confinement following your illness.
  • The hire or purchase of formal cruise attire if your attire is lost, damaged or stolen, or should your baggage be delayed for over 8 hours and unused shore excursions due to being confined to bed.

Cover if your journey or trip is disrupted, delayed, or cancelled due to a number of events including airport closure, a natural disaster affecting the ability to use your booked accommodation, or if your trip is cancelled or cut short because travel is prohibited.

(available as an option with Single Trip Premier and Premier Plus at an additional premium) – for those who enjoy skiing and snowboarding, you are covered for winter sports activities.

Over 100 activities are automatically covered under Travel Plus with Activity Pack 1. Additional activities (Activity Packs 2 – 4) may be covered on payment of an additional premium.

Under some sections of cover an excess of £75 (Premier Cover) or £50 (Premier Plus Cover) is payable for each claim, per incident claimed for, under each applicable section of cover, by each insured person.

An excess applies under some sections of cover under this insurance, view the Table of Benefits. This means you will be responsible for paying the first part of any claim. All excesses shown for this policy are payable for each claim, per incident claimed for, under each applicable section of cover, by each insured person.

However, please note:

1.Subject to the provisions contained in 2. (below), if you have paid the additional premium for “Excess Waiver”, no excess will be payable except for claims under Cover Section N – Gadget Cover where the £50 excess will still apply.

2.Any excess imposed by us because an insured person has an existing medical condition which we have agreed in writing to cover following your call to the Medical Screening Service will still apply even if you have paid the additional premium for “Excess Waiver”.

Travel Plus provides cover if you or a member of your party travelling with you have to cancel due to having been taken ill with Coronavirus.

Cancellation cover, emergency medical treatment, and related expenses (including Event D under Section P – Cruise Cover) if you or a member of your party insured under the same policy are covered if taken ill with Coronavirus.


  • There is no cover if the insured travels against government or other regulatory authority advice i.e. the Foreign, Commonwealth & Development Office (FCDO).
  • This does not extend to being placed into quarantine or self-isolating. Read all the details by visiting our FAQs page.