| This table gives an outline of the cover offered. Full details of cover, any exclusions and conditions that apply will be in the documentation that will be sent to you upon purchase. You may request this information before purchasing by contacting the number shown below. All figures quoted are up to amounts. |
| Cancellation |
£1000 |
£3000 |
Loss of travel and accommodation expenses as a result of your trip being unavoidably cancelled due to, for example, injury, illness or bereavement. |
| Curtailment |
£1000 |
£3000 |
The value of the unused portion of your trip if it is cut short due to, for example, injury, illness or bereavement. |
| Personal Accident |
£10,000 |
£25000 |
Loss of limbs, sight or for total permanent disablement, limited to the Death Benefit for loss of life. |
| Death Benefit |
£5,000 |
£10000 |
| Medical Expenses |
£1 million |
£10 million |
Emergency medical treatment and associated transportation and ambulance costs. |
| Repatriation and Air Ambulance |
Costs involved in bringing you home, should this be required, including the use of specially equipped air ambulance and accompanying nursing staff where medically necessary. |
| Helicopter Recovery & Rescue |
Cost of bringing you off the mountain should you be injured or taken ill, including helicopter recovery where necessary. |
| Emergency Assistance Service |
Multi-lingual emergency assistance service provided 24 hours a day. Our medical assistance specialists deal direct with the hospital to ensure that you receive appropriate care, and to arrange the payment of any bills. |
| Relative or Friend Assistance |
Reasonable accommodation and travelling expenses for a friend or relative if you have to be accompanied home on medical advice. |
| Dental Treatment |
£200 |
£200 |
Emergency dental treatment for pain relief. |
| Additional Hospital Benefit |
£1000 |
£1000 |
A benefit of £20 for every 24 hours you spend in hospital as an in-patient abroad. |
| Baggage |
£500 |
£2000 |
Loss, theft or damage of your baggage. The limit for a single item is £300, whilst the total valuables limit (eg jewellery) is £400. Baggage claims are settled taking into account wear and tear and depreciation. If your baggage goes astray for more than 12 hours on your outward journey we will pay up to £150 towards the cost of emergency purchases. |
| Cash & Documents |
n/a |
£500 |
Loss or theft of cash (limit of £120), travel tickets, and passports, whilst being carried on your person. |
| Loss of Passport |
£100 |
£200 |
Additional travel and accommodation expenses incurred to replace your lost passport. |
| Travel Delay |
£200 |
£200 |
For each full 12 hours that your outward or return journey to or from the United Kingdom is delayed, we will pay £20 per 12 hour delay or if your outward journey is delayed for more than 12 hours, you can choose to abandon your trip. |
| Abandonment |
£1000 |
£3000 |
| Missed Departure |
£300 |
£600 |
The cost of your travel and accommodation expenses incurred in reaching your booked destination, if you are unavoidably delayed and arrive too late to commence your booked trip. (£350 for European trips) |
| Personal Liability |
£1 million |
£2 million |
Legal expenses and legal liability for damages which may be incurred if you accidentally injure somebody or damage their property. |
| Legal Expenses |
£10,000 |
£25000 |
Payment of legal costs to enable you to claim compensation or damages as a result of injury to yourself. |
| Hijack |
£1000 |
£2000 |
A benefit of £50 for each 24 hours you are hijacked. |
| Winter Sports Equipment |
£500 |
£500 |
Loss, theft or damage of your winter sports equipment, including hire equipment (single item limit £300). |
| Winter Ski Pass |
£250 |
£250 |
Up to £250 for the value of unused portion of lift pass and ski school fees if you have an accident or your lift pass is lost. |
| Piste Closure |
£200 |
£200 |
A benefit of £30 per day if the piste is closed due to bad weather or lack of snow. (Available between 1st December and 31st March) |
| Avalanche/Weather Delay |
£150 |
£150 |
Additional travel and accommodation expenses if your journey is delayed as a result of an avalanche or bad weather. |
| Policy Excess |
An excess of £50 applies to this policy. The excess will be deducted in the event of a claim. This applies to every incident and each insured person involved, but where one incident covers more than one section of the policy, only one excess will be applied. |
