Cover
"What am I covered for if I have a medical problem?"
Please note that cover for holidays in the UK excludes medical expenses cover.
|
Essential |
Comprehensive |
| If you are taken ill or have an accident we will pay your medical bills |
£2,000,000 |
£10,000,000 |
| The cost of bringing you back to the UK, by Air Ambulance if required, with a doctor if necessary plus the return of your insured partner and family |
£2,000,000 |
£10,000,000 |
| The cost of hospital/nursing home charges |
£2,000,000 |
£10,000,000 |
| £15 per day for each 24 hours you are in hospital as an in-patient |
No cover |
£300 (max) |
| Emergency dental treatment for the immediate relief of pain |
£250 |
£500 |
| Reasonable travelling and accommodation expenses for a friend or relative who on medical advice must stay or travel with you |
£3,000 |
£5,000 |
| In the event of your death we will: either repatriate your body or ashes to the UK |
£2,000,000 |
£10,000,000 |
| Or pay for your funeral costs abroad |
£2,000 |
£2,000 |
"What cover is there if I'm attacked or mugged?"
|
Essential |
Comprehensive |
| Payment for permanent loss or loss of use of limbs or senses |
up to £10,000 |
up to £10,000 |
| Your next of kin will receive a lump sum if you die |
£2,500 |
£2,500 |
"What will you do if I get robbed or my luggage is lost or accidentally damaged?"
|
Essential |
Comprehensive |
| You will be reimbursed if your luggage is lost, stolen or accidentally damaged |
£1,500 |
£2,000 |
| We will help you to replace your passport |
£250 |
£500 |
| Money stolen from either your person, or which is locked away, will be replaced |
£200 |
£500 |
"A delay could cost me money..."
|
Essential |
Comprehensive |
| We will pay up to £100 for emergency purchases if your luggage is delayed for more than 12 hours |
No cover |
£100 |
| We will cover you for £20 after 12 hours and a further £20 for every 12 hours thereafter if you are delayed on your direct outward journey. You may cancel your trip and claim full reimbursement if the delay exceeds 24 hours |
No cover |
£20 per 12 hours |
| We will cover you for extra transport and accommodation charges so you can reach your destination if public transport fails or your vehicle breaks down |
£250 |
£500 |
"What happens if my trip is cancelled or I need to come home early?"
|
Essential |
Comprehensive |
| If you have to cancel your holiday due to redundancy (yourself), accident, illness or bereavement to you, a personal friend with whom you were to travel or stay with, a relative or close business associate, we will be happy to cover your costs |
£2,000 |
£5,000 |
| If you need to cut short your holiday due to accident, illness or bereavement to you or a personal friend with whom you were to travel or stay with, a relative or close business associate, we will be happy to cover your costs |
£3,000 |
£5,000 |
"What if I need some legal help?"
|
Essential |
Comprehensive |
| if you accidentally injure someone, or damage their property we will cover your legal liability to pay damages |
£1,000,000 |
£2,000,000 |
| Advice and assistance to take legal action is covered |
£10,000 |
£20,000 |
"What if the really unexpected happens?"
|
Essential |
Comprehensive |
| If you are taken hostage we will cover the travelling expenses and accommodation cost for one relative or friend to travel to where you were last seen in order to make local investigations |
No cover |
£3,000 |
| Should you be forced to move from your pre-booked and prepaid holiday as a result of natural disaster, government directive or medical epidemic, we will pay for you to be relocated |
No cover |
£500 |
| If your fellow passengers' drunken or violent behaviour on the outbound or inbound flights cause you either travel delay or injury we will compensate you |
No cover |
£40,000 personal accident/£1,000 delay |
| If you are imprisoned we will pay for one relative or friend to travel out to visit you |
No cover |
£1,000 |
| If you are hijacked we will pay you £50 for each 24 hour period you are detained and automatically extend your insurance for up to 12 months |
No cover |
£3,000 |
