this section  details the main aspects of the cover  and the limits applicable under each section.
this is a summary only and full details are included in the actual policy wording that is issued to each policyholder
all policies have a moneyback guarantee

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SUMMARY OF BENEFITS
(the following is a summary of the cover.To download the full policy wording in in Adobe PDF format (81kb) click here

Medical and additional Expenses-Up to £10,000,000 per person
Covering hospital and other medical expenses incurred whilst abroad and within 52 weeks of date of illness/injury, including additional hotel expenses and repatriation costs. Emergency dental costs for immediate relief of pain up to £500

Cancellation and Curtailment-Up to £5,000 per person
If you are unable to travel or have to cut short your holiday for various reasons including death, illness to any insured person, or a close relative of an insured person. Redundancy, Jury service etc.

Missed Departure-Up to £500 per person
For travel and accommodation costs necessary to meet reserved travel connections or accommodation overseas if travel is interrupted due to strike, industrial action,accident or breakdown of the conveying transport.

Hospital Benefit-Up to £1,000
£25 per day spent in hospital following injury or illness.

Travel Delay-Up to £150
£25 per person for each 12 hours of delay

Personal Liability-£2,000,000
Covers your personal liability for loss or damage to third party property or accidental bodily injury to third parties

Personal Accident-£25,000
In the event of death,loss of eyes,limbs, or permanent disablement

Luggage, Clothing and Personal Effects-Up to £2,000 per person
Covers loss of or damage to accompanied personal effects and clothing up to £300 any one item. Includes compensation for temporary loss by carrier for over 12 hours

Money-Up to £500 per person
including reasonable expenses incurred as a result  of loss of money, subject to a maximum of £250 cash, bank or currency notes

Delayed Baggage-Up to £150 per person
for purchase of essential items if baggage is lost by carrier for longer than 12 hours on outward journey

Legal Expenses-£25,000
in pursuit of a claim against third parties for injury to an insured person

Hijack, Kidnap or Detention-Up to £15,000 per person
Reimbursement of additional expenses excluding ransom monies

Ski Pack-£250
(provided winter sports option selected), Covers Ski pass and also Piste closure benefit up to £200 per person and additional expenses due to Avalance £150 per person