Compare Policies
An overview of our policy benefits
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 cover mobile phones and other gadgets up to the level of cover listed for valuables under the personal belongings section of cover.
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.
Our Policies
Bronze, Silver and Gold Single & Multi Trip Policies
Emigration Platinum, Emigration Gold and Emigration Silver Policies
Our Working Holiday Policy
Silver Surfer Platinum, First Class, Economy 500, Walkabout Plus & Walkabout Policies
| 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 |
£1000 £500 £300 |
£2000 £1000 £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 Dental Treatment | £100 | £200 | £300 |
| Emergency Medical Expenses outside home country (Including Repatriation) | £5,000,000 | £7,500,000 | £10,000,000 |
| Emergency Medical Expenses inside home country (UK) | £1,000 (Multi Trip only) £100 | £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 |
| Natural Disaster | £500 | £500 | £500 |
| 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. |
| Emigration Platinum | Emigration Gold | Emigration Silver | |
|---|---|---|---|
| Policy Excess per person per incident | Nil | £65 | £85 |
| Cancelling Your Trip | £5,000 | £3,000 | £1,500 |
| Missing your Departure | £2,000 | £1,000 | No Cover |
| Your Personal Belongings - Overall Limit - Single Item Limit - Total Valuables Limit |
£3,000 £1,500 £1,000 |
£1,500 £1,000 £500 |
£500 £300 £250 |
| Personal Belongings delayed in transit for more than 12 hours | £250 | £150 | No Cover |
| Your Personal Money Your Travel Documents |
£1,000 £500 |
£250 £500 |
No Cover |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 | £10,000,000 | £5,000,000 |
| Search and Rescue | £50,000 | £50,000 | £50,000 |
| Emergency Dental Treatment | £200 | £200 | £200 |
| Your Personal Liability | £2,000,000 | £2,000,000 | £1,000,000 |
| Personal Accident – Death | £15,000 | £15,000 | £5,000 |
| Personal Accident – Loss of Limb | £15,000 | £15,000 | £5,000 |
| Personal Accident – Permanent Total Disability | £15,000 | £15,000 | £5,000 |
| Legal Expenses | £25,000 | £25,000 | No Cover |
| Hijack | £1,000 | £1,000 | No Cover |
| Political Unrest and Natural Catastrophe Expenses | Up to £50,000 | 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. |
| 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 |
| 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. |
| Silver Surfer Platinum | First Class | Economy 500 | Walkabout Plus | Walkabout | |
|---|---|---|---|---|---|
| Policy Excess per person per incident | Nil | £60 | £80 | £75 | £95 |
| Cancelling Your Trip | £10,000 | £5,000 | £3,000 | £2,500 | £1,000 |
| Delayed Travel Each Full 12 Hours Delayed Travel Total |
£100 £500 |
£50 £250 |
No Cover | £50 £250 |
No Cover |
| Missing your Departure | £2,500 | £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 | £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 |
£300 Europe £500 Worldwide |
No Cover | £300 Europe £500 Worldwide |
No Cover |
| Your Personal Belongings - Overall Limit - Single Item Limit - Total Valuables Limit |
£3,000 £1,500 £1,000 |
£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 | £150 | No Cover | £100 | No Cover |
| Your Personal Money Your Travel Documents |
£500 £500 |
£500 £500 |
£250 £350 |
£500 £400 |
No Cover |
| Emergency Medical Expenses outside home country (Including Repatriation) | £10,000,000 | £10,000,000 | £5,000,000 | £10,000,000 | £5,000,000 |
| Search and Rescue | £50,000 | £50,000 | £50,000 | £50,000 | £50,000 |
| Emergency Dental Treatment | £1,000 | £500 | £500 | £100 | £100 |
| State hospital stay benefit abroad per 24 hours State hospital stay benefit abroad total |
£50 £500 |
£30 £300 |
No Cover | No Cover | No Cover |
| Cutting short your trip | £10,000 | £5,000 | £3,000 | £500 | £500 |
| Your Personal Liability | £2,000,000 | £2,000,000 | £1,000,000 | £2,000,000 | £2,000,000 |
| Personal Accident – Death | £25,000 | £25,000 | £10,000 | £15,000 | £10,000 |
| Personal Accident – Loss of Limb | £25,000 | £25,000 | £10,000 | £15,000 | £10,000 |
| Personal Accident – Permanent Total Disability | £25,000 | £25,000 | £10,000 | £15,000 | £10,000 |
| Legal Advice and Costs | £25,000 | £25,000 | £10,000 | £25,000 | £5,000 |
| Hijack | £3,000 | £3,000 | £1,000 | £500 | No Cover |
| Political Unrest and Natural Catastrophe Expenses | Up to £50,000 | Up to £50,000 | Up to £50,000 | Up to £50,000 | Up to £50,000 |
| Gadget Cover | Optional | Optional | Optional | Optional | Optional |
| Cruise Cover | Optional | 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. |