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Claims
Customer service 
Emergency medical assistanceCompare Multi Trip Travel Insurance
| Cover level | Emerald | Emerald Excess | Sapphire | Sapphire Excess | Platinum | Platinum Excess |
|---|---|---|---|---|---|---|
| Get Quote | Get Quote | Get Quote | ||||
| Cover | Excess | Cover | Excess | Cover | Excess | |
| If You Are Not Able To Go On Your Trip | 0 | 0 | 3000 | 75 | 5000 | 0 |
| If your departure is delayed by 12 hours or more | 100 | 75 | 100 | 0 | 300 | 0 |
| If Your Departure Is Delayed Per 12 Hours | 20 | 0 | 20 | 0 | 30 | 0 |
| If You Choose To Cancel After a 24 Hour Delay | 0 | 0 | 3000 | 75 | 5000 | 0 |
| If You Miss Your Outbound Departure | 800 | 0 | 800 | 0 | 1000 | 0 |
| If You Need Emergency Medical Attention | 10000000 | 75 | 10000000 | 75 | 10000000 | 0 |
| Public Hospital Inconvenience Benefit | 500 | 0 | 500 | 0 | 1000 | 0 |
| Public Hospital Inconvenience Benefit Per 24 Hours | 20 | 0 | 20 | 0 | 20 | 0 |
| Emergency Replacement Of Prescribed Medication | 500 | 0 | 500 | 75 | 750 | 0 |
| Mobility, Disability And Medical Equipment | 5000 | 75 | 5000 | 75 | 5000 | 0 |
| If You Need To Come Home Early | 0 | 0 | 3000 | 75 | 5000 | 0 |
| If Your Possessions Are Lost Stolen Or Damaged | 2000 | 75 | 2000 | 75 | 3000 | 0 |
| Clothes & Footwear | 2000 | 75 | 2000 | 75 | 3000 | 0 |
| Cosmetics & Toiletries | 200 | 75 | 200 | 75 | 250 | 0 |
| Luggage | 150 | 75 | 150 | 75 | 250 | 0 |
| Jewellery & Watches | 300 | 75 | 300 | 75 | 500 | 0 |
| Eyewear | 100 | 75 | 100 | 75 | 100 | 0 |
| Electrical Items | 300 | 75 | 300 | 75 | 300 | 0 |
| Electrical Accessories | 150 | 75 | 150 | 75 | 150 | 0 |
| If Your Possessions Are Delayed By 12 Hours | 100 | 0 | 100 | 0 | 250 | 0 |
| If Your Mobility And Disability Equipment Is Lost, Stolen Or Damaged | 3000 | 75 | 1000 | 75 | 3000 | 0 |
| If Your Mobility And Disability Equipment Is Delayed By 12 Hours | 300 | 0 | 300 | 0 | 300 | 0 |
| If Your Mobility And Disability Equipment Is Delayed By 12 Hours Per Week | 100 | 0 | 100 | 0 | 100 | 0 |
| If Your Cash Is Lost Or Stolen | 250 | 75 | 250 | 75 | 350 | 0 |
| If Your Passport Is Lost Or Stolen | 300 | 0 | 300 | 0 | 500 | 0 |
| If You Are Hijacked | 500 | 0 | 500 | 0 | 1000 | 0 |
| If You Are Hijacked Per 24 Hours | 50 | 0 | 50 | 0 | 100 | 0 |
| If You Are Mugged | 500 | 0 | 500 | 0 | 1000 | 0 |
| If You Are Mugged Per 24 Hours | 50 | 0 | 50 | 75 | 100 | 0 |
| Personal Liability | 2000000 | 75 | 2000000 | 75 | 2000000 | 0 |
| Personal Accident | 10000 | 0 | 10000 | 0 | 15000 | 0 |
| If You Need Legal Advice | 25000 | 75 | 25000 | 75 | 50000 | 0 |
| If A Force Majeure Event Occurs While You Are Away | £1000 (only available upon payment of an additional premium) | 0 | £1000 (only available upon payment of an additional premium) | 75 | £3000 (covered as standard on Platinum policies - no need to pay any additional premium) | 0 |
| If Your End Supplier Fails While You Are Away | 0 | 0 | 0 | 0 | 1000 | 0 |
| Wintersports Extension (only available upon payment of an additional premium) | ||||||
| If You Are Unable To Go On Your Trip And Unable To Get a Refund For Your Pre-Paid Ski Pack | 250 | 50 | 250 | 50 | 250 | 0 |
| If You Are Unable To Use Your Pre-Paid Ski Pack In Resort Due To Injury/Illness - Max | 150 | 50 | 150 | 50 | 150 | 0 |
| If You Are Unable To Use Your Pre-Paid Ski Pack Per 24 Hours | 15 | 0 | 15 | 0 | 15 | 0 |
| If Your Wintersports Equipment Is Lost, Stolen Or Damaged | 250 | 50 | 250 | 50 | 250 | 0 |
| If Your Wintersports Equipment Is Delayed By 24 Hours | 100 | 0 | 100 | 0 | 100 | 0 |
| Delayed Ski Equipment Per 24 Hours | 10 | 0 | 10 | 0 | 10 | 0 |
| If Your Hired Wintersports Equipment Is Lost, Stolen Or Damaged | 250 | 50 | 250 | 50 | 250 | 0 |
| If An Avalanche Occurs | 100 | 0 | 100 | 0 | 100 | 0 |
| Avalanche Closure Per 24 Hours | 10 | 0 | 10 | 0 | 10 | 0 |
| If There Is No Snow | 100 | 0 | 100 | 0 | 100 | 0 |
| If There Is No Snow Per 24 Hours | 10 | 0 | 10 | 0 | 10 | 0 |
| Cruise Extension (only available upon payment of additional premium) | ||||||
| Cabin Confinement | 1000 | 0 | 300 | 0 | 300 | 0 |
| Cabin Confinement Benefit Per Day | 1000 | 0 | 50 | 0 | 50 | 0 |
| If You Cannot Use Your Pre-Paid Shore Excursion | 1000 | 0 | 500 | 0 | 500 | 0 |
| If Your Cruise Itinerary Is Changed | 500 | 0 | 500 | 0 | 500 | 0 |
| Cruise Itinerary Change Per Port | 1000 | 0 | 100 | 0 | 100 | 0 |
| Child Safety Equipment | 0 | 0 | 0 | 0 | 200 | 0 |
| Gadget Extension (only available upon payment of additional premium) | ||||||
| If Your Gadget Is Accidentally Lost, Stolen Or Damaged | 1000 | 75 | 1000 | 75 | 1000 | 0 |
| Unauthorised Calls | 200 | 75 | 1000 | 75 | 1000 | 0 |
| Loss Or Theft Of Your E-Wallet | 500 | 0 | 500 | 0 | 500 | 0 |
| Sports and Equipment Extension (only available upon payment of additional premium) | ||||||
| Child Safety Equipment | 500 | 75 | 200 | 75 | 200 | 0 |
| If Your Sports Equipment Is Lost, Stolen Or Damaged | 50 | 75 | 1000 | 75 | 1000 | 0 |
| If Your Sports Equipment Is Delayed By 24 Hours | 500 | 0 | 1000 | 0 | 1000 | 0 |
| If Your Sports Equipment Is Delayed Per 24 Hours | 200 | 0 | 200 | 0 | 200 | 0 |
| If Your Hired Sports Equipment is Damaged Beyond Repair | 750 | 75 | 500 | 75 | 500 | 0 |
| If Your Hired Sports Equipment Is Lost, Stolen Or Damaged | 200 | 0 | 500 | 0 | 500 | 0 |
| Loss Of Use Of Pre-Paid Activity / Coaching / Training Lessons | 25 | 0 | 500 | 0 | 500 | 0 |
| Loss Of Use Of Pre-Paid Activity / Coaching / Training Lessons Per 24 Hours | 150 | 0 | 50 | 0 | 50 | 0 |
| UK Rehabilitation Extension (only available upon payment of an additional premium) | ||||||
| Physiotherapy Treatment Required After You Return Home | 25 | 0 | 500 | 0 | 500 | 0 |
| Recovering From Emergency Surgery Abroad | 3000 | 75 | 750 | 75 | 750 | 0 |
| Hospital Stay Benefit In UK Total | 150 | 0 | 200 | 0 | 200 | 0 |
| Hospital Stay Benefit In UK Per 24 Hours | 25 | 0 | 25 | 0 | 25 | 0 |
| Home Help In The UK | 150 | 75 | 150 | 75 | 150 | 0 |
| Home Help In The UK Per 24 Hours | 25 | 0 | 25 | 0 | 25 | 0 |
| Corrective Cosmetic Surgery In The UK | 3000 | 0 | 3000 | 0 | 3000 | 0 |
| Dental Treatment In The UK | 150 | 75 | 150 | 75 | 150 | 0 |
| Physiotherapy In The UK | 400 | 0 | 400 | 0 | 400 | 0 |
| NHS Prescription Medication In The UK | 100 | 0 | 100 | 0 | 100 | 0 |
| Golf Extension (only available upon payment of an additional premium) | ||||||
| If You Are Unable To Go On Your Trip & Unable To Get A Refund For Any Pre-Paid Green Fees | 250 | 75 | 250 | 75 | 250 | 0 |
| If You Are Unable To Use Your Pre-Paid Green Fees In Resort Due To Injury or Illness | 150 | 0 | 150 | 0 | 150 | 0 |
| If You Are Unable To Use Your Pre-Paid Green Fees In Resort Due To Injury or Illness Per 24 Hours | 15 | 0 | 15 | 0 | 15 | 0 |
| If Your Golfing Equipment Is Lost, Stolen Or Damaged | 1000 | 75 | 1000 | 75 | 1000 | 0 |
| If Your Golfing Equipment Is Delayed by 24 Hours Total | 150 | 0 | 150 | 0 | 150 | 0 |
| If Your Golf Equipment Is Delayed By 24 Hours | 15 | 0 | 15 | 0 | 15 | 0 |
| If Your Hired Golf Equipment Is Lost, Stolen Or Damaged | 300 | 75 | 300 | 75 | 300 | 0 |
| Loss Of Use Of Pre-Paid Green Fees | 150 | 0 | 150 | 0 | 150 | 0 |
| Loss Of Use Of Pre-Paid Green Fees Per 24 Hours | 15 | 0 | 15 | 0 | 15 | 0 |
| Hole In One | 75 | 0 | 75 | 0 | 75 | 0 |
