Travel Plus

WHATS COVERED

Schedule of Benefits - Single Trip & Annual Multi-trip

You can choose between two levels of cover – Premier and Premier Plus. The following tables of benefits show the limits per insured person for some of the significant sections of cover provided.

Please refer to the policy document to view the table of benefits in full.

Cover Section Premier Premier Plus
Emergency Medical Assistance & Expenses £10,000,000 £10,000,000
Personal Accident
-Death
-Loss of limb/loss of sight
-Permanent total disability
-Burial or cremation costs

£15,000
£15,000
£15,000
£5,000

£50,000
£50,000
£50,000
£5,000
Personal Possessions
Single article, pair or set limit
Valuables limit
£2,500
£500
£1,000
£4,000
£750
£1,500
Missed Departure / Missed Connection £1,000 £2,500
Personal Money, Passport & Travel Documents
Cash limit
-Loss of passport
£750
£350
£300
£1,500
£750
£500
Personal Liability £2,000,000 £2,000,000
Extended Journey Disruption £5,000 £10,000
Legal Advise & Expenses £25,000
(£50,000 policy max)
£50,000
(£100,000 policy max)
Personal Possessions Delayed in Transit (after 8 hours delay) £150 £500
Cancellation £5000 £10,000

Single Trip (ST) & Annual Multi-trip (AMT) Winter Sports Cover Benefits

Winter Sports cover is automatically included on Annual Multi-trip policies providing cover up to a maximum of 21 days (Premier) and up to a maximum of 45 days (Premier Plus) during the policy period. Winter Sports cover is available on Single Trip policies upon payment of an additional premium.

Cover per person/per event Premier Premier Plus
Winter Sports Cover Optional (ST)
Included (AMT)
Optional (ST)
Included (AMT)
Own Ski Equipment £500 £1,000
Hired Ski Equipment Loss/Damage £150 £300
Piste closure £250
(£25 each 24 hrs)
£500
(£50 each 24 hrs)
Avalanche/Weather Delay £200 £400
Loss of Ski Pack £250 £500
Ski Equipment delayed in transit
(after 8 hrs delay)
£100 £200

Single Trip (ST) & Annual Multi-trip (AMT) Cruise Cover Benefits

Our dedicated cruise cover provides additional cover if your trip is a cruise. Cruise cover is automatically included on Annual Multi-trip policies and is available on Single Trip policies upon payment of an additional premium.  

Cover per person/per event Premier Premier Plus
Cruise Cover Optional (ST)
Included (AMT)
Optional (ST)
Included (AMT)
Missed embarkation cover £750 £1,500
Formal cruise attire
£1,500 £2,500
Formal cruise attire delayed in transit £250
(Over 8 hours)
£500
(Over 8 hours)
Cruise itinerary changes £500
(£50 each missed port)
£1,000
(£100 each missed port)
Additional emergency medical assistance & expenses:
Ship to shore repatriation
On-board medical fees
Cabin confinement
Unused excursions

£100,000
£250,000
£500 (£50 each 24 hrs)
£250

£100,000
£250,000
£1,000 (£100 each 24 hrs)
£500

Policy Excesses & Excess Waiver

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.

Please read the policy wording for full benefits including terms and conditions.

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”.

Note: any excess imposed by us following your call to our Medical Screening Service will apply (other than sections 17).

Exclusions to Cover

There are, as in all insurance policies, some exclusions to cover.

The IPID contains the exclusions to cover.

We strongly recommend that you download and read your IPID and policy wording in full. Download both on the policy documents page.

The policy wording contains the policy terms, conditions, limitations and exclusions.