Important Note
We cannot cover you to travel to any country against UK Foreign Office advice. A list of such countries appears on the Foreign Office website and is updated frequently.  Please refer to this site for the current situation.

Summary of cover
FREE EXCESS  WAIVER ON GOLD/DIAMOND POLICIES OF 6 MONTHS OR OVER

EXCESSES CANNOT BE WAIVED ON BUDGET POLICIES
(free excess waiver offer does not apply to Annual Multi-Trip policies)

Description of cover DIAMOND per adult GOLD  per  adult SILVER per  adult Long Stay SILVER per  adult Short Stay and Multi-Trip BUDGET per  adult Excess (Nil on GOLD/DIAMOND policies of 6 months  or  over) Medical expenses £5,000,000 £5,000,000 £5,000,000 £10.000,000 £2,000,000 Gold/Diamond £50 Silver £65 Budget £75 Personal liability £2,000,000 £2,000,000 £2,000,000 £2,000,000 £1,000,000 £100 Personal accident £30,000 £25,000 £10,000 £30,000 £5,000 nil Cancellation & curtailment £2,500 £2500 £1,000 £5,000 £1000 Gold/Diamond £50 Silver £65 Budget £75 Baggage £2,000 £1500 £1,500 £2,000 £1000 Gold/Diamond £50 Silver £65 Budget £75 - Single item limit £300 £200 £200 £250 £100 Gold/Diamond £50 Silver £65 Budget £75 - Valuables limit £400 £200 £300 £500 £150 Cameras Only Gold/Diamond £50 Silver £65 Budget £75 - Emergency purchases £100 £100 £150 £200 nil Gold/Diamond £50 Silver nil Budget £75 -  Personal  Money / Documents  £500 (only £250 cash covered) £250 (only £125 cash  covered) £100 (only £50 cash covered) £500 (only £250 cash covered) £200 (only £100 cash covered) Gold/Diamond £50 Silver £65 Budget £75 Loss of  passport £300 £250 £500 £500 Within baggage cover Budget £75 Travel delay £100 £100 nil £200 nil nil Missed departure £500 £500 £1000 £1000 £300 Gold/Diamond £50 Silver £65 Budget £75 Hospital benefit  (per day) £500 (£20) £500 (£10) £400 (£20) £10,000 £1000 (£20) £20,000 nil nil Legal  expenses £20,000 £15,000   £10,000 nil £100 Excess waiver GOLD/DIAMOND POLICIES ONLY  (optional) £15.00 (1 to 5 months only) £15.00 (1 to 5 months only) n/a n/a n/a n/a Resumption of trip Europe / Worldwide £400 / £800 n/a n/a n/a n/a Diamond £50 Search & Rescue £5,000 n/a n/a n/a n/a Diamond £50 Mugging £100 n/a n/a n/a n/a Diamond £50 Hijack £2,000 n/a n/a n/a n/a Diamond £50 Disaster £500 n/a n/a n/a n/a Diamond £50

FREE EXCESS WAIVER ON GOLD/DIAMOND POLICIES OF 6 MONTHS OR OVER

EXCESSES CANNOT BE WAIVED ON BUDGET POLICIES
(free excess waiver offer does not apply to annual Multi-Trip policies)