Full Schedule of Benefits

The standard excess is the amount you will generally have to pay towards the cost of a claim.

The excess payable of medical and repatriation claims may be higher and some sections of the policy have no excess.

Your policy schedule will show the excess payable on each section of your policy.

This is the is the amount you will generally have to pay towards the cost of a claim under the medical and repatriation section of the policy.

Provides cover for your unrecoverable holiday costs in the event that you are forced to cancel your trip due to various reasons such as illness or redundancy, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover for your unrecoverable holiday costs in the event that you are forced to curtail your trip (return home early) due to various reasons such as illness or injury, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.

Please note: A limit of £1000 per person applies if your trip is within your country of residence.

Terms and conditions apply, see policy wording for full details.

Provides cover for the accidental loss, damage or theft of your baggage and personal effects, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides a benefit to cover the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover for the accidental loss or theft of money whilst on your person, in a safe or locked securely in accommodation under your control, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover up to the amount specified if your mobility aid is lost, stolen or damaged during your trip. Also includes the cost of temporary hire of a replacement during your trip.

Terms and conditions apply, see policy wording for full details.

Provides cover for reasonable costs of replacing your passport, travel documents or tickets following accidental loss or theft, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides cover up to the amount specified, if you are legally liable for accidentally injuring someone, or damaging or losing their property (this does not include third party motor liability).

Terms and conditions apply, see policy wording for full details.

Provides cover for your legal expenses up to the amount specified, if you have to claim compensation or damages from another person.

Terms and conditions apply, see policy wording for full details.

Provides cover up to the amount specified to continue your trip if you are forced to move from your pre booked accommodation as a result of a natural catastrophe such as hurricane or earthquake.

Terms and conditions apply, see policy wording for full details.

Provides a daily benefit in the event that the aircraft or ship you are travelling in is hijacked, up to the amount specified.

Terms and conditions apply, see policy wording for full details.

Provides a daily benefit, up to the amount specified, to cover kennel or cattery fees if you are delayed for over 12 hours on your return journey.

Terms and conditions apply, see policy wording for full details.

Gadget Cover Up to £1,000

We will pay up to £1,000 for the intrinsic value or cost of repair of your gadgets, including tablet computers and mobile phones, which is lost, stolen, damaged or destroyed whilst you are away on your trip.

Unauthorised calls if your mobile phone is stolen up to £75

We can cover the following gadgets: Mobile phones, iPhones, iPads, Tablets, Smartwatches and Go Pro’s.

Please note:
You must take reasonable care of your gadgets and not leave them unattended in a public place.
You must own the item and be able to provide proof of ownership.
Allowance will be made for wear and tear and depreciation.

Other terms and conditions apply. Please read the Policy Wording for the full details.

For more information please read the full documentation for Gadget Cover.

Provides additional cover for cancellation and additional expenses as a result of a catastrophic natural event, such as: fire, flood, earthquake, storm, lightening, explosion, hurricane or volcanic eruption which is unknown and unforeseen at the time you purchase the insurance or book your holiday, whichever is the latter.

Natural Catastrophe cover is available to add to any of your policies and includes the following cover:

Cover for cancellation up to £1,500 per person
Provides cover for any part of your outward, onward, return journey or whole trip which is cancelled due to a natural catastrophe.

Additional expenses to enable you to return home up to £1,500 in total per person

Provides cover for reasonable additional accommodation (room only) costs and transport expenses, up to the standard of your original booking, to enable you to return home if the public transport you are booked on is cancelled or delayed due to a natural catastrophe and an alternative is not provided within 24 hours, or in the case of connecting transport, not provided within a time frame that allows you to continue with your original itinerary.

Please note: Cover does not apply if your holiday forms part of a tour operator’s package. In this instance it is the responsibility of your tour operator to look after you and get you home.

Benefits are per person and an excess may apply. Please see the policy wording for full details.

For more information please read the full documentation for Natural Catastrophe Cover.

Extends your policy to provide cover if you miss your pre-booked connecting Aircraft, Watercraft or Train as a result of the cancellation, or delay of 3 or more hours, on your initial international outward or return journey, due to adverse weather, mechanical breakdown or technical fault.

The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable you to join your connecting Aircraft, Watercraft, Train or Motor vehicle or to get you to your pre-booked final destination.

Please see the policy wording for full terms and conditions.

For more information please read the full documentation for Missed Connection Cover.

Increase the Travel Delay Section of your cover to provide £200 for each 12 hours delay up to a maximum of £1,000.

Benefits are on a per person basis. Please refer to the policy wording for full terms and conditions.

For more information please read the full documentation for Enhanced Travel Delay.

Extends your policy to provide cover for golf equipment and non-refundable green fees.

• Golf equipment up to £1,500 (Single article limit of £300)
• Golf equipment hire £75 for each 24hrs up to £500
• Non-refundable golfing fees £75 for each 24hrs up to £500
• Hole in one cover £100

Benefits are per person and an excess may apply. Please see the policy wording for full details.

For more information please read the full documentation for Golf Cover.

Your cover automatically includes the Activities listed below at no additional cost.

Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.

Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.

• Aerobics
• Angling/Fishing (Fresh Water)
• Archery
• Badminton
• Bamboo Rafting
• Banana Boating
• Baseball
• Basketball
• Beach Games
• Biking on road only
• Blade Skating
• Board Sailing-Inshore only
• Boating
• Body Boarding- Inshore only
• Boogie Boarding- Inshore only
• Bowls
• Canoeing
• Catamaran Sailing- Inshore only
• Clay Pigeon Shooting
• Cricket
• Croquet
• Cross Country Running
• Curling
• Cycling (excluding off-road, BMX or Mountain Biking)
• Dancing
• Darts
• Dinghy Sailing
• Disc Golf
• Doughnut
• Dragon Boat Racing
• Fell walking up to 2000 metres
• Fruit or Vegetable Picking (no higher than 3 metres)
• Glass Bottom Boats
• Goalball
• Golf
• Handball
• Hiking up to 2000 metres (excluding the use of picks, ropes and guides)
• Hobie Catting - Inshore only
• Ice-skating (rink only)
• Jet Boating - Inshore only
• Jet Skiing - Inshore only
• Jogging
• Kayaking- Inshore only and up to white water grade 3
• Kite Boarding
• Kite Surfing
• Korfball
• Laser Tag
• Low Ropes
• Motorcycling up to 50cc (Excluding Quad biking and Motorcycle Touring)
• Netball
• Non-Manual Labour – excluding Animal Sanctuary/Refuge work
• Orienteering
• Parascending (towed by boat)
• Pilates
• Pony Trekking
• Pool
• Power Boating -Inshore only
• Rackets
• Racquet Ball
• Rafting - Inshore only and up to white water grade 3
• Rambling up to 2000 metres (excluding the use of picks, ropes and guides)
• Roller skating
• Rounders
• Rowing
• Sail Boarding -Inshore only
• Sailing- Inshore
• Scuba diving (up to 18 metres, also see scuba diving endorsement in this policy)
• Sea Fishing (From Shore)
• Snooker
• Snorkelling
• Softball
• Spinning
• Squash
• Surfing - Inshore only
• Swimming - (Pool and Beach swimming within a marked area with a lifeguard only)
• Swimming off a boat (with a qualified supervisor in attendance i.e. a lifeguard)
• Swimming with dolphins
• Sydney Harbour Bridge Climbing (Professional, organised and supervised)
• Table tennis
• Tennis
• Theme Parks
• Trampolining
• Trekking up to 2000 metres (excluding the use of picks, ropes or guides)
• Tubing
• Tug of War
• Volleyball
• Wakeboarding
• Walking up to 2000 metres (excluding the use of picks, ropes and guides)
• War games
• Water Parks
• Water Polo
• Water-skiing – Inshore only and no jumping
• Whale Watching
• Windsurfing - Inshore only
• Yachting (excluding crewing) – Inshore only
• Yoga

Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A, plus the Activities listed below.

Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.

Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.

• Animal/Camel/Elephant/Horse/Riding under 7 days
• Breathing Observation Bubble (BOB) up to 18 metres
• Bungee Jump
• Charity Rallies (no racing) - Sole purpose of trip is covered
• Cycle Touring - Sole purpose of trip is covered
• Deep Sea Fishing -Inshore only
• Dog Sledging
• Fell Walking(between 2000 and 3000 metres altitude) - Sole purpose of trip is covered
• Fencing
• Flying a private plane or small aircraft
• Flying as a passenger in a private or small aircraft
• Football
• Glacier Walking
• Go Karting up to 250cc
• Gorilla Trekking - Sole purpose of trip is covered
• Gymnastics
• Hiking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• Hockey - (Field)
• Hot Air Ballooning
• Hydro Zorbing
• Manual/Farm Work (ground level only no machinery - excluding Animal Sanctuary/Refuge work)
• Motorcycling (between 51cc – 125cc no racing) as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence (Excluding Motorcycle Touring)
• Paint Balling
• Passenger Sledge
• Quad Biking (no racing) 125cc or under as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn. The rider must hold an appropriate UK licence
• Rambling between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• Reindeer Sledge
• Safari (UK booked and not involving use of firearms) - Sole purpose of trip is covered
• Scuba Diving (between 18 and 30 metres, also see scuba diving endorsement in this policy)
• Sea Canoeing -Inshore only
• Sea Kayaking -Inshore only
• Soccer
• Trekking between 2000 and 3000 metres altitude (excluding the use of picks, ropes and guides) - Sole purpose of trip is covered
• White Water Canoeing (Grade 4)
• White Water Kayaking (Grade 4)
• White Water Rafting (Grade 4)
• Wind Tunnel Flying

Provided you have paid the appropriate premium, you will be covered for all the activities listed in Category A and B, plus the Activities listed below.

Cover for the following activities that are considered to be Sports and hazardous activities is included at no extra premium provided they are incidental to the trip (not sole purpose) and for recreational purposes only, not for competitions or any professional activity.

Under the Personal Liability Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities or anything caused directly or indirectly by your owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles.

Under the Personal Accident Section of this policy, you will not be covered whilst participating in any Sports and hazardous activities.

• Abseiling
• Big Foot
• Devil Karting
• Dirt Boarding
• Gaelic Football
• Glacier Skiing
• Gliding
• Horse riding over 7 days (no Polo, Hunting or Jumping)
• Hurling
• Ice Fishing
• Ice Hockey - With full body protection
• Kick Boxing (Training only)
• Lacrosse/Shinty
• Manual Work (ground level only including the use of light hand held machinery)
• Marathon
• Martial Arts (Training only)
• Motorcycling over 125cc. Must have a full Clean Licence and be over the age of 25 years as a rider or passenger. When using the vehicle, either as a driver or passenger, a helmet must always be worn (Excluding Quad biking and Motorcycle Touring)
• Octopush
• Off Piste Skiing (with a professional guide/instructor within recognised resort areas)
• Off Piste Snowboarding (with a professional guide/instructor within recognised resort areas)
• Outdoor Endurance Events
• River Tubing
• Roller Hockey
• Rugby
• Sand Boarding
• Sand Dune Surfing
• Sand Skiing
• Sand Yachting
• Segway (Supervised, non-competitive)
• Shark Diving (Cage only)
• Skate Boarding
• Ski Run Walking
• Ski Yawing
• Ski-Dooing
• Skiing - Sole purpose of trip is covered
• Skiing (Cross Country)
• Skiing (Dry Slope)
• Sledging
• Snow Blading - Sole purpose of trip is covered
• Snow Boarding - Sole purpose of trip is covered
• Snow Bobbing
• Snow Carting up to a 125cc
• Snow Decking
• Snow Go Karting
• Snow Kiting
• Snow Mobiling
• Snow Parascending
• Snow Scooting
• Snow Shoe Walking
• Snow Shoeing
• Snow Tubing
• Snow Zorbing
• Snowboarding (Dry Slope)
• Snowcat Driving
• Snowcat Skiing
• Summer Tobogganing
• Open water swimming
• Swimming off a boat (Unsupervised and/ or no lifeguard)
• Open water swimming with Dolphins
• Tobogganing
• Tree Top Canopy Walking
• Triathlon
• Water Hockey
• White Water Canoeing (Grade 5 to 6)
• White Water Kayaking (Grade 5 to 6)
• White Water Rafting (Grade 5 to 6)
• Yachting/Sailing (including crewing) –Offshore but within European waters only - Sole purpose of trip is covered
• Zip Lining

Extends your policy to provide cover for you when skiing or snowboarding and provides the following additional cover:

• Ski equipment up to £500 (single article limit of £250)
• Ski Hire up to £250
• Ski pack up to £400
• Piste closure £35 for each 24hrs up to £500, provided you are skiing north of the earth’s equator between 1st January and 30th April, or south of the earth’s equator between 1st June and 31st October and the ski resort is higher than 1600 metres above sea level.
• Avalanche closure £35 for each 24 hrs up to £500

Benefits are per person, and an excess may apply. Please see the policy wording for full details.

For more information please read the full documentation for Virtual UK Doctor Access.

OR if you have already travelled;

your portion of prepaid, irrecoverable, accommodation, foreign car hire costs and prepaid excursions and either your pre-booked return travel costs, or the cost of your curtailment travel costs, whichever is the greater up to a maximum of £2,000 (excursion limited to £250) should you wish to return home due to an act of terrorism occurring within a 40 mile radius of your booked accommodation.

Benefits are per person and an excess may apply. Please see the policy wording for full details.

For more information please read the full documentation for Terrorism Cover Extension.

Provides additional cancellation and curtailment cover if you are on a waiting list for treatment or investigation for a diagnosed condition.

This means that if you receive an appointment for the awaited treatment which causes you to cancel or cut short your trip, or you are unable to travel due to the treatment, we would provide cover for the cancellation or curtailment costs up to the amount detailed in your schedule of cover.

Please Note: You will need to ensure you buy cover for everyone on the policy who may need to cancel if you were called for treatment, not just the person who is awaiting treatment.

This option extends the cancellation and curtailment section of your policy to provide cover for unrecoverable holiday costs, such as transport, accommodation, and foreign car hire, if your pet dog or cat needs emergency life-saving treatment.

Cancellation cover is provided if you are forced to cancel your trip due to your cat or dog needing emergency life-saving treatment in the seven days before your trip starts.

Curtailment cover is provided if you are forced to return home early because your cat or dog needs emergency life-saving treatment whilst you are away.

Cover for cancellation or curtailment is up to £2,000 per person.

Benefits are per person and an excess may apply. Please see the policy wording for full details.

For more information please read the full documentation for Pet Cancellation and Curtailment Cover.