Summary of Cover
The following table is only a summary of the main cover limits. You should read the rest of the policy wording for the full terms and conditions.
| Cover type | ||||
|---|---|---|---|---|
| Bronze | Silver | Gold | ||
| Trip duration | 21 days | 31 days | 31 days | |
| Maximum age | 64 | 64 | 64 | |
| Dependent child max. age | 22 | 22 | 22 | |
| Section 1 | Cancellation cover limit |
Optional £1,000 |
Included £3,000 |
Included £5,000 |
| Section 2 | Curtailment cover limit |
Optional £1,000 |
Included £3,000 |
Included £5,000 |
| Section 3 | Personal Accident Death Benefit |
Not Covered |
Not Covered £10,000 |
£20,000 £20,000 |
| Section 4 | Emergency Medical Emergency Dental Funeral Expenses Abroad UK Expenses |
£2 million £200 £1,000 Not Covered |
£5 million £250 £1,000 Not Covered |
£5 million £350 £1,000 £1,000 |
| Section 5 | Additional Hospital Benefit Mugging |
£10/24hrs £100 max Not Covered |
£15/24hrs £100 max £50/24hrs £500 max |
£15/24hrs £100 max £100/24hrs £1,000 max |
| Section 6 |
Baggage & Personal Belongings Cover Limit Total Valuables Limit Single Item Limit Delayed Baggage (after 24hrs) |
Optional £1,000 £300 £100 £75 |
Optional £1,500 £300 £150 £100 |
Included £2,000 £400 £250 £150 |
| Section 7 |
Cash and Documents Cover Limit Cash Limit |
Optional £300 £100 |
Optional £300 £150 |
Included £500 £250 |
| Section 8 | Loss of Passport / Driving Licence | £150 | £250 | £350 |
| Section 9 |
Travel Delay Trip Abandonment (after 24 hrs) Pet Care |
Not Covered £1,000 Not Covered |
£20/12 hrs £100 max £3,000 Not Covered |
£20/12 hrs £100 max £5,000 £20/24 hrs £100 max |
| Section 10 | Missed Departure | £250 | £500 | £1,000 |
| Section 11 | Personal Liability | £1 million | £2 million | £2 million |
| Section 12 | Legal Expenses | Not Covered | £5,000 | £15,000 |
| Section 13 | Hijack | Not Covered | £1,000 £100/24 hrs. |
£1,000 £100/24 hrs. |
| Section 14 | Winter Sports Sports Equipment Equipment Hire Sports Pack Piste Closure |
Not Covered | Included (max 17 days/year) Not Covered Not Covered Not Covered Not Covered |
Included (max 21 days/year) £500 £300 £300 £300 |
| Section 15 | Sports & Activities Level 1 Sports & Activities Level 2 |
Included Optional |
Included Optional |
Included Included |
| Section 16 | Scuba Diving to 50m Scuba Diving Equipment Single Item Limit Equipment Hire Inability to dive |
Not Covered | Optional £1,000 £300 £300 £25/24hrs. £250 max |
Optional £1,000 £300 £300 £25/24hrs. £250 max |
| Section 17 | Business Travel/Work Abroad Replacement Employee Business Equipment |
Not Covered | Optional £500 £300 |
Optional £1,000 £500 |
| Policy Excess | Personal Liability & Legal Expenses Other Claims Excess Waiver |
£400 £200 Optional |
£200 £75 Optional |
£200 £50 Optional |
| Enjoy | Not Available | Not Available | Included | |
Please note: Enjoy services do not form part of the insurance contract and these services are arranged separately by Millstream Underwriting Limited.