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.
|
Gap Year |
Gap Year Plus |
| If you are taken ill or have an accident we will pay your medical bills |
£1,000,000 |
£2,000,000 |
| 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 |
£1,000,000 |
£2,000,000 |
| The cost of hospital/nursing home charges |
£1,000,000 |
£2,000,000 |
| Emergency dental treatment for the immediate relief of pain |
not covered |
£250 |
| Reasonable travelling and accommodation expenses for a friend or relative who on medical advice must stay or travel with you |
£1,000 |
£3,000 |
| In the event of your death we will: either repatriate your body or ashes to the UK |
£1,000,000 |
£2,000,000 |
| Or pay for your funeral costs abroad |
£2,000 |
£2,000 |
"What cover is there if I'm attacked or mugged?"
|
Gap Year |
Gap Year Plus |
| Payment for permanent loss or loss of use of limbs or senses |
No cover |
£15,000 |
| Your next of kin will receive a lump sum if you die |
No cover |
£3,750 |
"What will you do if I get robbed or my luggage is lost or accidentally damaged?"
|
Gap Year |
Gap Year Plus |
| If you have taken luggage cover, you will be reimbursed if your luggage is lost, stolen or accidentally damaged |
£500 |
£1,500 |
| We will help you to replace your passport |
£150 |
£250 |
| Money stolen from either your person, or which is locked away, will be replaced |
No cover |
£200 |
"What happens if my trip is cancelled or I need to come home early?"
|
Gap Year |
Gap Year Plus |
| 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 |
£1,000 |
£2,000 |
| 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 |
£1,000 |
£3,000 |
"What if I'm lost or stranded?"
|
Gap Year |
Gap Year Plus |
| Search and rescue is covered - regardless of the circumstances under which you went missing |
£5,000 |
£5,000 |
"What if I need some legal help?"
|
Gap Year |
Gap Year Plus |
| If you accidentally injure someone, or damage their property we will cover your legal liability to pay damages |
£1,000,000 |
£1,000,000 |
| Advice and assistance to take legal action is covered |
No cover |
£10,000 |
