Summary of cover

Please note: This policy is available to UK residents only. Existing medical conditions are not covered unless they have been declared to and accepted in writing by the insurer.

For full details of this policy please choose from one of the links below:

• About our insurance services document
• Demands and needs statement
• Health declaration
• Insurance policy

Section of cover	Maximum amount we will pay	Excess
Emergency medical and associated expenses	£5 million	£100
Extra travel and accommodation	Reasonable costs
Emergency dental treatment	£250
Funeral expenses	Reasonable costs
Excursions	£150
Hospital benefit	£500 (£25 a day)	No excess
Search and rescue	£30,000
Cancelling or cutting short your trip	£3,000	£100
Excursions	£150
Personal belongings	£1,500	£100
Single item pair or set	£300
Valuables	£300
Tobacco, alcohol and fragrances (perfumes and so on)	£50
Personal money	£500	£100
Cash	£300 (£50 if aged 16 or under)
Loss of passport	£300	No excess
Delayed personal belongings Essential replacement items	£150	No excess
Missed departure	£500	No excess
Delayed departure	£200 (£15 after every full 12 hours delay)	No excess
Abandoning your trip	£3,000	£100
Personal accident		No excess
Death	£30,000 (£1,000 if aged 16 and under)
Permanent loss of sight or limb	£30,000
Permanent total disablement	£30,000 (no cover if aged 16 and under or 65 and over)
Personal liability	£2 million	No excess
Legal expenses	£10,000. Maximum £20,000 for each policy	No excess
Hijacking	£1,500 (£100 a day)	No excess
Mugging	£1,500 (£100 a day)	No excess
Catastrophe	£600	No excess
Home care	£500	No excess
Home help	£250	No excess
Pet care	£500 (£25 a day)	No excess

Extra cover (only applies when shown on your booking confirmation)

Section of cover	Maximum amount we will pay	Excess
Winter sports
Ski equipment	£500	£100
Single item	£300
Hire of other equipment	£150 (£15 a day)	No excess
Ski pack	£250	£100
Piste closure	£300 (£20 a day)	No excess
Avalanche	£100	No excess
Golf extension
Golf equipment	£1,000	£100
Single item	£150
Hire of other equipment	£200 (£20 a day)	No excess
Green fees	£300	£100
Hole in one	£150	No excess
Wedding extension
Wedding rings	£250 each ring	£100
Wedding gifts	£1,000 each couple	£100
Wedding clothes	£1,500 each couple	£100
Wedding photographs and video	£750 each couple	£100

Notes

Maximum amount we will pay

The most we will pay for each insured person for each trip, unless it says otherwise.

Excess

The amount we will take off for each insured person, for each section, for each incident claimed for. If you have paid an extra premium for excess waiver cover, the excess will not apply

Cancellation top up

Extra cancellation cover can be purchased to a maximum of £20,000 for each insured person Your booking confirmation will show when this limit has been increased and the limit that applies.

Medical treatment in your home country

There is no cover for medical costs you pay in your home country, except for emergency dental treatment.