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Compare Cover Types

Your travel insurance cover choices explained...

We've created a comparison table to help you pick the perfect cover for your travels. 

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 if I have a medical emergency abroad?

We will help you immediately if you are ill or injured outside the home area you live in (or the final country of your journey if you are on a one-way trip).

We provide a 24 hour emergency service 365 days a year, and you can contact us on the following numbers:

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

Emergency fax number: +353 91 501619

Please also note that if you are in the USA and need to see a doctor, contact us any time of the day or night and we will be pleased to make the necessary arrangements on your behalf.

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 wording booklet for further details.

Which cover option should I choose? Single Trip or Annual Multi-Trip travel?

If you're likely to be going on holiday more than once a year, you may well find that an Asda Travel Insurance Annual Multi-Trip policy is more convenient and cost effective than taking out a separate policy each time you travel. Just calculate the cost of buying a number of Single Trip policies and compare it with the cost of Annual Multi-Trip. Other factors to consider are, for instance, that it takes time to repeatedly buy new policies and it may slip your mind if you’re booking a late deal.

I have a medical condition, can I be covered?

You can declare your conditions quickly and easily using our online medical screening system or, if you would prefer to speak to one of our friendly agents, call us on 0800 024 1128.