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The Benefits - Compare Our Policies
Please view the benefit levels of our different policies below. For further details, terms, conditions and exclusions of any of our policies please view our policy wording documents or contact us.
First Class / Emigration
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Cover Limit (Excess) |
| Cancelling Your Trip. |
£3,000 (£50) |
| Delayed Travel First 12 Hours. |
£50 (Nil) |
| Delayed Travel each further 12 hours. |
£15 (Nil) |
| Delayed Travel Total. |
£250 (Nil) |
| Missing your Departure. |
£250 (Nil) |
| Abandoning your trip after 24 hours. |
£3,000 (£50) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£1,500 (£50)
£500
£500 |
| Personal Belongings delayed in transit for more than 12 hours. |
£150 (Nil) |
Your Personal Money.
Cash Limit.
Your Travel Documents. |
£500 (£50)
£250
£250 |
| Emergency Medical Expenses outside home country. |
£5,000,000 (£50) |
| Emergency Dental treatment. |
£500 (Nil) |
| Emergency Medical Expenses inside home country. |
£1,500 (£50) |
| Cutting short your trip. |
£3,000 (£50) |
| Your Personal Liability. |
£2,000,000 (Nil) |
| Personal Accident – Death. |
£25,000 (Nil) |
| Personal Accident – Loss of Limb. |
£25,000 (Nil) |
| Personal Accident – Permanent Total Disability. |
£25,000 (Nil) |
| Legal Advice and Costs. |
£15,000 (Nil) |
| Hijacking, Kidnap and Detention. |
£3,000 (Nil) |
| Car Hire Excess Wavier. |
£250 (Nil) |
Loss of Ski Pass, Ski Lift Pass and Ski school Fees per 24 hours.
Loss of Ski Pass, Ski Lift Pass and Ski School Fees Total. |
£25 (Nil)
£250 (Nil) |
Piste Closure Per 24 Hours.
Piste Closure Total. |
£10 (Nil)
£200 (Nil) |
| Avalanche Closure. |
£150 (Nil) |
Scheduled Airline Failure. |
£3,000 (Nil) |
Economy 500
| |
Cover Limit (Excess) |
| Cancelling Your Trip. |
£3,000 (£65) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£500 (£65)
£250
£250 |
Your Personal Money.
Cash Limit.
Your Travel Documents. |
£250 (£65)
£100 (Nil)
£250 (£65) |
| Emergency Medical Expenses outside home country. |
£5,000,000 (£65) |
| Emergency Dental treatment. |
£500 (Nil) |
| Emergency Medical Expenses inside home country. |
£1,500 (£65) |
| Cutting short your trip. |
£3,000 (£65) |
| Your Personal Liability. |
£1,000,000 (£65) |
| Personal Accident – Death. |
£5,000 (Nil) |
| Personal Accident – Loss of Limb. |
£5,000 (Nil) |
| Personal Accident – Permanent Total Disability. |
£5,000 (Nil) |
| Hijacking, Kidnap and Detention. |
£1,000 (Nil) |
Scheduled Airline Failure. |
£3,000 (Nil) |
Longstay
| |
Cover Limit (Excess) |
| Cancelling Your Trip. |
£2,500 (£75) |
| Delayed Travel First 12 Hours. |
£20 (Nil) |
| Delayed Travel each further 12 hours. |
£20 (Nil) |
| Delayed Travel Total. |
£200 (Nil) |
| Missing your Departure. |
£1,000 (Nil) |
| Abandoning your trip after 24 hours. |
£2,500 (£75) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£1,000 (£75)
£300
£150 |
| Personal Belongings delayed in transit for more than 12 hours. |
£100 (Nil) |
Your Personal Money.
Cash Limit.
Your Travel Documents. |
£500 (£75)
£200
£200 |
| Emergency Medical Expenses outside home country. |
£5,000,000 (£75) |
| State hospital stay benefit abroad per 24 hours. |
£20 (Nil) |
| State hospital stay benefit abroad total. |
£200 (Nil) |
| Emergency Dental treatment. |
£100 (Nil) |
| 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) |
Scheduled Airline Failure. |
£3,000 (Nil) |
Backpacker
| |
Cover Limit (Excess) |
| Cancelling Your Trip. |
£1,000 (£75) |
| Emergency Medical Expenses outside home country. |
£1,000,000 (£75) |
| Emergency Dental treatment. |
£100 (Nil) |
| Cutting short your trip. |
£500 (£75) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£250 (£75)
Nil
£100 |
| Your Personal Liability. |
£1,000,000 (£75) |
| Personal Accident – Death. |
£5,000 (Nil) |
| Personal Accident – Loss of Limb. |
£5,000 (Nil) |
| Personal Accident – Permanent Total Disability. |
£5,000 (Nil) |
| Legal Advice and Costs. |
£5,000 (Nil) |
Scheduled Airline Failure. |
£3,000 (Nil) |
Medicare Extra
| |
Cover Limit (Excess) |
| Cancelling Your Trip. |
£1,000 (£75) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£500 (£75)
£100
£100 |
| Personal Belongings delayed in transit for more than 12 hours. |
£50 (Nil) |
| Emergency Medical Expenses outside home country. |
£2,000,000 (£75 |
| State hospital stay benefit abroad per 24 hours. |
£20 (Nil) |
| State hospital stay benefit abroad total. |
£200 (Nil) |
| Emergency Dental treatment. |
£100 (Nil) |
| Cutting short your trip. |
£1,000 (£75) |
| Your Personal Liability. |
£2,000,000 (£75) |
| Personal Accident – Death. |
£5,000 (Nil) |
| Personal Accident – Loss of Limb. |
£5,000 (Nil) |
| Personal Accident – Permanent Total Disability. |
£5,000 (Nil) |
| Legal Advice and Costs. |
£50,000 (Nil) |
This product has been specifically designed to cover travellers focussed on only travelling around Australia and New Zealand. The policy only covers medical treatment, in Australia, when you have registered with Medicare, and used Medicare services, and in New Zealand at state medical facilities. Therefore it is important that, on your arrival in Australia, you register with Medicare as soon as possible. This policy will not cover a ‘stop-over’ of more than two days in total outside Australia and New Zealand.
Annual Multi-Trip
| |
Cover Limit (Excess) |
| Cancelling Your Trip. |
£3,000 (£30) |
| Delayed Travel First 12 Hours. |
£50 (Nil) |
| Delayed Travel each further 12 hours. |
£15 (Nil) |
| Delayed Travel Total. |
£250 (Nil) |
| Missing your Departure. |
£500 (£30) |
| Abandoning your trip after 24 hours. |
£3,000 (£30) |
Your Personal Belongings.
Valuable Limit.
Single Article Limit. |
£2,000 (£30)
£300
£300 |
| Personal Belongings delayed in transit for more than 12 hours. |
£150 (Nil) |
Your Personal Money.
Cash Limit.
Your Travel Documents. |
£750 (£30)
£250
£250 |
| Emergency Medical Expenses outside home country. |
£5,000,000 (£30) |
| State hospital stay benefit abroad per 24 hours. |
£50 (Nil) |
| State hospital stay benefit abroad total. |
£1,500 (Nil) |
| Emergency Dental treatment. |
£500 (Nil) |
| Emergency Medical Expenses inside home country. |
£1,500 (£30) |
| Cutting short your trip. |
£3,000 (£30) |
| Your Personal Liability. |
£1,000,000 (Nil) |
| Personal Accident – Death. |
£50,000 (Nil) |
| Personal Accident – Loss of Limb. |
£50,000 (Nil) |
| Personal Accident – Permanent Total Disability. |
£50,000 (Nil) |
| Legal Advice and Costs. |
£25,000 (Nil) |
| Hijacking, Kidnap and Detention. |
£15,000 (Nil) |
| Car Hire Excess Wavier. |
£250 (Nil) |
Loss of Ski Pass, Ski Lift Pass and Ski school Fees per 24 hours.
Loss of Ski Pass, Ski Lift Pass and Ski School Fees Total. |
£25 (Nil)
£250 (Nil)
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Piste Closure Per 24 Hours.
Piste Closure Total. |
£10 (Nil)
£200 (Nil) |
| Avalanche Closure. |
£150 (Nil) |
Scheduled Airline Failure. |
£3,000 (Nil) |
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