Compare our Policies

An overview of our policy benefits

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We offer a range of policies to suit your requirements with cover benefits and excesses varying between policy types.

Full policy details can be found in our policy wording documents but we've provided the information below to allow you to compare policies. It's important to note that the benefits listed are the maximum that can be claimed under each section of the policy and limits and terms and conditions may apply to the coverage. This information can be found in the policy wording documents.


Our First Class, Gold Single Trip, Gold Multi Trip and Walkabout Plus policies include the following cover as standard:

•Cancellation cover if you or anyone named on your policy contracts Covid-19 in the UK prior to the start of your trip

•Cover for denial of boarding by an airline on your return flight to the UK as a result of having Covid-19

Please note that as standard our policies will not cover mobile telephones whilst cover for electronic and photographic items are subject to the limits outlined below. Some of our policies have an optional 'Gadget Extension' available which extends coverage up to a further £500, £1,000 or £2,000, including cover for mobile phones. You will see this as an option at the second stage of the purchase process. Please refer to our policy wording documents for further details of this cover.

It may be that not all policies are suitable for your trip as availability will depend upon your age, trip duration, area of travel etc. When obtaining a travel insurance quote you will be shown the appropriate quotes for your trip.

The tables below include policy excesses in brackets.

  First Class Economy 500 Walkabout Plus Walkabout
Policy Excess per person per incident £60 £80 £75 £95
Cancelling Your Trip £5,000 £3,000 £2,500 £1,000
Delayed Travel Each Full 12 Hours
Delayed Travel Total
£50
£250
No Cover £50
£250

No Cover

Missing your Departure £1,000 No Cover £1,000 No Cover

If you are denied boarding on your inbound flight – additional accommodation

£40 per 24 hrs up to a maximum £560

No Cover

£40 per 24 hrs up to a maximum £560

No Cover
If you are denied boarding on your inbound flight – additional return transportation:

£300 Europe
£500 Worldwide

No Cover

£300 Europe
£500 Worldwide

No Cover

Your Personal Belongings
- Overall Limit
- Single Item Limit
- Total Valuables Limit


£1,500
£1,000
£500

£500
£250
£250

£1,000
£500
£300

£500
£300
£100
Personal Belongings delayed in transit for more than 12 hours £150 No Cover £100 No Cover

Your Personal Money
Your Travel Documents

£500
£500
£250
£350
£500
£400
No Cover
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000 £5,000,000 £10,000,000 £5,000,000
Search and Rescue £50,000 £50,000 £50,000 £50,000
Emergency Dental treatment £500 £500 £100 £100
Search and Rescue £50,000 £50,000 £50,000 £50,000
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£30
£300
No Cover No Cover No Cover
Cutting short your trip £5,000 £3,000 £500 £500
Your Personal Liability £2,000,000 £1,000,000 £2,000,000 £2,000,000
Personal Accident – Death £25,000 £10,000 £15,000 £10,000
Personal Accident – Loss of Limb £25,000 £10,000 £15,000 £10,000
Personal Accident – Permanent Total Disability £25,000 £10,000 £15,000 £10,000
Legal Advice and Costs £25,000 £10,000 £25,000 £5,000
Hijack £3,000 £1,000 £500 No Cover
Kidnap Ransom and Extortion Expenses £50,000 £50,000 £50,000 £50,000
End Supplier Failure £3,000 £3,000 £3,000 £3,000
Political Unrest and Natural Catastrophe Expenses Up to £50,000 Up to £50,000 Up to £50,000 Up to £50,000
Gadget Cover Optional Optional Optional Optional
Cruise Cover Optional Optional No Cover No Cover
PLEASE NOTE: A higher excessof £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service being required within Nepal.
  Emigration Gold Emigration Silver
Policy Excess per person per incident £65 £85
Cancelling Your Trip £3,000 £1,500
Missing your Departure £1,000 No Cover

Your Personal Belongings
- Overall Limit
- Single Item Limit
- Total Valuables Limit


£1,500
£1,000
£500

£500
£300
£250
Personal Belongings delayed in transit for more than 12 hours £150 No Cover

Your Personal Money
Your Travel Documents

£250
£500
No Cover
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000
£5,000,000
Search and Rescue £50,000 £50,000
Emergency Dental treatment £200 £200
Your Personal Liability £2,000,000 £1,000,000
Personal Accident – Death £15,000 £5,000
Personal Accident – Loss of Limb £15,000 £5,000
Personal Accident – Permanent Total Disability £15,000 £5,000
Legal Expenses £25,000 No Cover
Hijack £1,000 No Cover
Kidnap Ransom and Extortion Expenses £50,000 No Cover
End Supplier Failure £3,000 £3,000
Political Unrest and Natural Catastrophe Expenses Up to £50,000 Up to £50,000
PLEASE NOTE: A higher excessof £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service being required within Nepal.
  Bronze Silver Gold
Policy Excess per person per incident £95 £70 £50
Maximum Trip Duration (Per Trip) - Multi Trip Only 31 days 31 days 45 days
Cancelling Your Trip £1,000 £3,500 £5,000
Delayed Travel Each Full 12 Hours
Delayed Travel Total
N/A
N/A
£20
£200
£50
£500
Missing your Departure £250 £500 £1000
Abandoning your trip after 24 hours Delay £1,000 £3,500 £5,000

If you are denied boarding on your inbound flight – additional accommodation

No Cover No Cover

£40 per 24 hrs up to a maximum £560

If you are denied boarding on your inbound flight – additional return transportation: No Cover No Cover

£300 Europe
£500 Worldwide

Your Personal Belongings
- Overall Limit
- Single Item Limit
- Total Valuables Limit


£500
£250
£150

£1,000
£500
£300

£2,000
£1,000
£750
Personal Belongings delayed in transit for more than 12 hours £50 £100 £150

Your Personal Money
Your Travel Documents

£150
£150
£300
£300
£500
£500
Emergency Medical Expenses outside home country (Including Repatriation) £5,000,000 £7,500,000 £10,000,000
Emergency Dental treatment £100 £200 £300
Emergency Medical Expenses inside home country (UK) £1,000 (Multi Trip only) £1,000 (Multi Trip only) £1,000 (Multi Trip only)
Search and Rescue £50,000 £50,000 £50,000
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£10
£100
£20
£200
£30
£300
Cutting short your trip £1,000 £3,500 £5,000
Your Personal Liability £2,000,000 £2,000,000 £2,000,000
Personal Accident – Death £5,000 £15,000 £20,000
Personal Accident – Loss of Limb £5,000 £15,000 £20,000
Personal Accident – Permanent Total Disability £5,000 £15,000 £20,000
Legal Advice and Costs £5,000 £15,000 £20,000
Hijack £500 £1,000 £3,000
Kidnap Ransom and Extortion Expenses £50,000 £50,000 £50,000
Natural Disaster £500 £500 £500
End Supplier Failure £3,000 £3,000 £3,000
Political Unrest and Natural Catastrophe Expenses Up to £50,000 Up to £50,000 Up to £50,000
Gadget Cover Optional Optional Optional
Cruise Cover Optional Optional Optional
PLEASE NOTE: A higher excessof £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service being required within Nepal.
  Working Holiday
Policy Excess per person per incident £75
Cancelling Your Trip £2,500
Delayed Travel Each Full 12 Hours
Delayed Travel Total
£20
£200
Missing your Departure £1,000
Abandoning your trip after 24 hours Delay £2,500

Your Personal Belongings
- Overall Limit
- Single Item Limit
- Total Valuables Limit


£1,000
£500
£300
Personal Belongings delayed in transit for more than 12 hours £100

Your Personal Money
Your Travel Documents

£500
£400
Emergency Medical Expenses outside home country (Including Repatriation) £10,000,000
Emergency Dental treatment £100
Search and Rescue £50,000
State hospital stay benefit abroad per 24 hours
State hospital stay benefit abroad total
£20
£200
Cutting short your trip £500
Your Personal Liability £2,000,000
Personal Accident – Death £15,000
Personal Accident – Loss of Limb £15,000
Personal Accident – Permanent Total Disability £15,000
Legal Advice and Costs £25,000
Hijack £500
Kidnap Ransom and Extortion Expenses £50,000
End Supplier Failure £3,000
Political Unrest and Natural Catastrophe Expenses Up to £50,000
Gadget Cover Optional
PLEASE NOTE: A higher excessof £875 applies in respect of medical emergency repatriation by air ambulance or helicopter service being required within Nepal.