Travel Insurance Comparison

Section   Standard Premier Premier Plus/Senior Citizens Description of Cover Medical Emergency, Repatriation and Associated Expenses * £10,000,000 £10,000,000 £10,000,000 24-hour Emergency Assistance, Search & Mountain Rescue, direct payment of hospital bills and repatriation when necessary Hospital Benefit   £1,000 £15 per day £1,000 £20 per day £2,000 £25 per day Cash benefit for each 24-hour period that you are in hospital as an inpatient Emergency Dental Treatment * £200 £200 £500 For emergency dental treatment to relieve sudden pain Personal Accident Death Benefit (subject to age restrictions)   £15,000 £5,000 £30,000 £10,000 £75,000 £30,000 Compensation for loss of limbs, sight, permanent disablement or death following an accident Personal Liability * £2,000,000 £2,000,000 £2,000,000 If you accidentally injure someone or damage their property cover is provided for costs you are legally liable for (this cover does not apply if you are driving a motor vehicle) Legal Advice   £50,000 £50,000 £50,000 Legal assistance to pursue legal action as a result of death or injury during your journey or one-way trip Cancellation/Curtailment * £3,000 £4,000 £6,000 If you have to cancel or cut short your holiday due to illness, bereavement or other circumstances detailed in the policy wording Abandonment * £3,000 £4,000 £6,000 After a delay of 12 hours if you decide to abandon your holiday before you leave the United Kingdom Delayed Departure   £100 £20 after 12hrs £200 £20 after 12hrs £350 £35 after 12hrs If the aircraft, sea vessel, train or coach on which you are booked to travel is delayed at its departure point by more than 12 hours Missed Departure   £600 £600 £1,000 If you do not get to your departure point because public transport does not run to its timetable or the vehicle you are travelling in has an accident or breaks down Personal Possessions Single Article, Pair or Set/Valuables limit * £1,500 £200/£200 £1,500 £250/£300 £3,000 £300/£500 If your baggage is damaged, stolen, lost or destroyed Delayed Personal Possessions   £100 after 12hrs £350 £150 after 12hrs £450 £150 after 12hrs To replace essential items if your baggage is lost or stolen on your outward journey for more than 12 hours Loss of Passport   £250 £300 £500 To replace your passport if it is lost, stolen or destroyed Personal Money Cash Limit (subject to age restrictions) * £500 £200 £500 £250 £500 £350 If your money is lost or stolen from your person, locked accommodation or safety deposit box. This section will also cover your ski pass where winter sports cover is in place Catastrophe   N/A £200 £1,000 Extra accommodation and transport costs if you cannot use your booked accommodation as a result of fire, flood, earthquake or storm Business Samples * N/A N/A £500 If your business samples are damaged, stolen, lost or destroyed when you are on a business trip Replacement Employee Cover   N/A N/A £1,500 Costs for a business colleague to take over your unfinished work abroad due to your death, injury or illness Hijack   N/A N/A £1,000 We will pay £100 for each 24-hour period you are held illegally against your will Mugging   N/A N/A £1,000 If you receive bodily injury and require medical treatment following a violent and threatening attack we will pay you £100 compensation and up to £50 for each 24-hour period you spend as an inpatient Excess applies to sections marked with an asterisk *   £50 (£100 for personal liability) £50 (£100 for personal liability) £35 (£100 for personal liability) The amount you have to pay towards the cost of each and every claim per incident for each insured person unless you have paid an extra premium to cancel the excesses Concierge Service   N/A N/A Included Advice and access to a comprehensive range of business and leisure services before and during your journey You will also be covered for the following benefits if you purchase a Premier, Premier Plus or Senior Citizens annual multi-trip policy or a Premier Plus or Senior Citizens wintersports single trip policy: Ski/Snowboard Equipment * N/A £400 Hired equipment £300 £1,000 Hired equipment £500 If your ski equipment is damaged, stolen, lost or destroyed Ski/Snowboard Pack   N/A £400 £20 per day £500 £25 per day If you cannot use your prepaid ski school fees, lift pass and hired ski equipment due to injury or illness Ski/Snowboard Hire   N/A £400 £20 per day £500 £25 per day To hire winter sports equipment if your own is lost, stolen, destroyed or delayed on your outward journey for more than 12 hours Piste Closure   N/A £300 £15 per day £500 £30 per day If 80% of the ski lifts and ski schools are closed at your ski resort and you cannot participate in winter sports because there is not enough snow, too much snow or high winds Avalanche Closure   N/A £125 £25 per day £500 £50 per day Extra accommodation and transport costs to get you to your destination or back home UK Physiotherapy   N/A £350 £350 For fees you have to pay to a physiotherapist for continuation of treatment on your return to the United Kingdom as a result of a winter sports injury during your journey

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