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Compare Cover Types

Your travel insurance cover choices explained...

We've created a comparison table to help you compare travel insurance and pick the perfect cover for your travels. Travel insurance comparison is a great way to get a policy that suits your budget and fits your needs.

This summary is only a brief guide to your cover and exclusions. For full details of what is and isn’t covered, please refer to the information in our policy documents.

Value Premium Superior
Excess
£100 £70 £50
Cancellation*
£1,000 £2,000 £5,000
Curtailment*
£1,000 £2,000 £5,000
Delayed departure*
£20 for the first 12 hours, £20 for all other 12 hours up to £200 £35 for the first 12 hours, £20 for all other 12 hours up to £255 £40 for the first 12 hours, £25 for all other 12 hours up to £315
Abandoning your trip
£1,000 £2,000 £5,000
Missed departure*
£500 £1,000 £1,000
Personal Accident
Up to £20,000 Up to £30,000 Up to £50,000
Loss of Limbs or sight (aged under 66)
£20,000 £30,000 £50,000
Permanently disabled (aged under 66)
£20,000 £30,000 £50,000
Death Benefit (aged 18 to 65)
£10,000 £15,000 £20,000
Death Benefit (aged under 18)
£2,500 £2,500 £2,500
All benefits (aged 66 and Over)
£2,500 £2,500 £2,500
Medical expenses*
£20,000,000 £25,000,000 Unlimited
Repatriation
£20,000 £25,000 Unlimited
Hospital benefit
£20 for every 24 hours up to £1,500 £30 for every 24 hours up to £1,500 £40 for every 24 hours up to £1,600
Personal Belongings and Baggage*
£1,000 £1,300 £2,000
Single article, pair or set limit
£200 £250 £250
Valuables limit in total
£200 £250 £250
Alcohol and tabacco limit
£25 £50 £50
Baggage delay
£25 for every 12 hours for purchase made up to £75 £50 for every 12 hours for purchase made up to £150 £75 for every 12 hours for purchase made up to £300
Personal money
£300 £400 £500
Cash limit (aged 18 and over)
£300 £350 £400
Beach cash limit
£25 £50 £50
Passport and travel documents
£250 £300 £500
Hijack cover
N/A £50 per day up to £500 £50 per day up to £500
Personal liability*
£2,000,000 £2,000,000 £2,000,000
Legal expenses
£50,000 £50,000 £50,000
Pet care
N/A £20 a day up to £200 £30 a day up to £300
Accommodation cover
£500 £750 £1,000
Winter sports cover
(Covered as standard on annual multi-trip cover, or as an additional option on single trip cover)
Winter sports equipment (owned)
£200 £300 £500
Single article, pair or set limit
£100 £150 £300
Hired total
£100 £150 £300
Ski hire
£10 per day up to £100 £20 per day up to £200 £40 per day up to £400
Ski pack
£50 per day up to £200 £75 per day up to £300 £75 per day up to £450
Piste closure
£10 per day up to £100 £20 per day up to £200 £40 per day up to £400
Avalanche cover
£150 £250 £400

The benefit levels shown are the maximum amount payable. 

Important notes:

1. If you claim for one benefit marked with a * you will have to pay:

  • Value - the first £100 per person
  • Standard - the first £75 per person
  • Superior cover - the first £50 per person (maximum £100 for any claim except Scheduled Airline Failure Insurance)

2. If your claim is for more than one benefit marked with a * you will have to pay:

  • Value - the first £100 per person for each benefit you claim
  • Standard - the first £75 per person for each benefit you claim
  • Superior cover - the first £50 per person only (maximum £100 for any claim except Scheduled Airline Failure Insurance)

3. Value cover has lower benefit amounts, a higher excess and no cover for any pre-existing medical conditions. This means that we are able to offer cover at lower prices.

4. This does not replace the Policy Wording document, which you should read before you buy this insurance. The full details of the cover can be found in the Policy Wording document.

Top Travel Insurance FAQs:

What is travel insurance?

Travel insurance coverage helps to protect you against unexpected costs that may arise before or during a holiday, such as medical bills, lost luggage, or delays. You can typically choose between travel insurance for a single trip or an annual policy that protects all your trips for 12 months.

There are different types of cover to choose from, so picking the best travel insurance for you will depend on where you're going and the activities you'll be doing while you're there. So a trip to the USA would need worldwide travel insurance, and going skiing would need a policy with winter sports cover included as part of your travel insurance.

Why do I need travel insurance?

We all want our holidays to be great fun and give us nothing but happy memories, but there's always a chance that something could go wrong. Travel insurance helps you to put those things right and reduce any worries you might have.

Luggage can go missing, wallet can get stolen, flights get delayed and more - all can lead to extra costs if you're not covered by travel insurance – without it, you can be left seriously out of pocket.

Additionally, if you were injured or fell ill while on holiday without travel insurance, you'd have to pay all the costs yourself, which could get very expensive. Travel insurance is there to help you cover medical costs and give you peace of mind that you’ll be supported if you do get into an accident.

What's covered by travel insurance?

You can choose between Value, Premium and Superior cover with our travel insurance, each of which covers you for the same types of incidents but gives you different amounts you can claim for. These incidents include:

  • Abandoning your trip
  • Accommodation cover
  • Cancelling and cutting short your holiday
  • Delayed departure
  • Hospital benefit
  • Legal expenses
  • Medical and other expenses
  • Passport and travel documents
  • Personal accident, including loss of limbs or sight, permanently disabled and death benefit
  • Personal belongings and baggage
  • Personal liability
  • Personal money

You can find out exactly what you’re covered for in the policy wording documents, as well as how much each level of cover will give you towards each item of coverage.

Does travel insurance cover existing medical conditions?

If you have a pre-existing medical condition, then you’ll need to let us know when you take out a policy. Usually, we can do a medical screening and add you existing condition onto your policy, sometimes with an additional charge depending on the condition. We consider all pre-existing conditions and will try out best to create a policy which is tailored to your specific needs.

When should you get travel insurance?

You should aim to take out your holiday travel insurance when you book your holiday, or as soon as possible, in order to get the maximum benefits from certain items of cover, such as cancellation.

However, if you’re taking out an annual travel insurance policy then you may want to wait until a little bit closer to your trip in order to maximise how long your policy will be valid for.

Does travel insurance cover multiple countries?

Depending on where you’ll be visiting on your holiday, you can choose how many countries you want to be included under your policy. You can choose how wide you want your coverage to be, from UK only cover all the way up to worldwide travel insurance including the USA, Canada, and Caribbean, and your policy will be valid for travelling to any of these countries.

What do I do if I have a medical emergency abroad?

Should the unfortunate happen and you’re ill or injured while away (outside the home area you live in or the final country of your journey if you are on a one-way trip), we’re here to help you.

We’re here 24 hours a day, 365 days a year. If you are in the USA and need to see a doctor, be sure to contact us on the number above and we’ll help set things up for you using our local network of walk-in centres, urgent care clinics, house-calls and available telemedicine. 

In serious emergencies, seek medical attention at your nearest public healthcare facility before you or someone on your behalf contacts us. Please refer to the ‘What to do - Medical and other emergencies’ section of your policy documents for more details.

You can contact us on the following numbers:

Emergency phone number: +44 (0)208 712 1303

Emergency fax number: +353 91 501619

When you contact us you will need to provide the following information:

  • Your name and address
  • Your policy number shown on your validation certificate
  • Your phone number abroad
  • The date you left and the date you are due to come back
    You should also refer to page 12 of your policy documents for further details.
What do I do if I have to make a travel insurance claim?

Please be aware that we are experiencing higher than usual call volumes. While we are making every effort to answer calls as quickly as possible, we would ask that if you need to make a claim, you do so by downloading a claim form. Once completed, the form should be sent by email (along with electronic copies of any supporting documentation) to enquiries@travelclaimsservices.com. Please also email this address if you are unable to download a form.  

The policy will only cover you for non-refundable expenses. In the first instance, you need to try to get a refund from your tour operator or travel agent. Coupons or vouchers for future travel would constitute a monetary refund.

Please note that if an airline or package tour operator cancels your flights/holiday, they are required to provide you with a refund.