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.