COMPARE COVER LEVELS

Planning a trip should be exciting, not stressful. With Covered2Go travel insurance, you can choose from a range of cover levels designed to suit different types of trips and travellers.

Use the comparison table below to explore the key features and cover limits across our Silver, Gold and Platinum options, helping you decide which level of protection is right for your journey.

Get a quote Policy wordings

Cancelation & Curtailment

Cover	Silver	Gold	Platinum
Cancellation	£2,000	£5,500	£10,000
Curtailment	£2,000	£5,500	£10,000

Emergency Medical

Cover	Silver	Gold	Platinum
Emergency medical expences	£5m	£10m	£10m
Emergency dental treatment	£200	£500	£1,250
Funeral expenses abroad	£1,500	£1,500	£1,500
Search and rescue	Up to £50,000	Up to £50,000	Up to £50,000

Hospital Benefit

Cover	Silver	Gold	Platinum
Hospital / mugging / coma	£25/24 hrs. £1,000 max	£50/24 hrs. £1,500 max	£50/24 hrs. £1,500 max

Personal Accident

Cover	Silver	Gold	Platinum
Permanent total disablement	£15,000	£25,000	£40,000
Death benefit	£15,000	£25,000	£40,000

Baggage & Personal Belongings

Cover	Silver	Gold	Platinum
Overall limit	£1,500	£3,000	£5,000
Single item limit	£750	£1,000	£1,500
Total valuables limit	£500	£1,000	£2,000
Delayed baggage (12+ hrs)	£100 max	£150 max	£500 max

Money

Cover	Silver	Gold	Platinum
Overall / cash limit	£300	£750	£1,000

Documents

Cover	Silver	Gold	Platinum
Loss of passport / licence / visa	£250	£350	£500

Travel Disruption

Cover	Silver	Gold	Platinum
Travel delay	£25/12 hrs. £150 max	£35/12 hrs. £210 max	£60/12 hrs. £600 max
Trip abandonment (24+ hrs)	Up to cancellation limit	Up to cancellation limit	Up to cancellation limit
Additional travel & accommodation	£500	£750	£750
Kennel / cattery fees	£20/24 hrs. £100 max	£20/24 hrs. £100 max	£20/24 hrs. £100 max

Missed Departure / Missed Connection

Cover	Silver	Gold	Platinum
Missed departure / connection	£600	£1,000	£2,000

Uninhabitable Accommodation

Cover	Silver	Gold	Platinum
Uninhabitable accommodation	£1,000	£1,000	£1,500

Personal Liability

Cover	Silver	Gold	Platinum
Personal liability	£2,000,000	£2,000,000	£2,000,000

Legal

Cover	Silver	Gold	Platinum
Legal expenses	£15,000	£25,000	£25,000

Hijack

Cover	Silver	Gold	Platinum
Hijack	£150/24 hrs. £750 max	£200/24 hrs. £1,000 max	£250/24 hrs. £1,500 max

Business Travel

*Applies when Business Travel (Manual Work) is selected.

Cover	Silver	Gold	Platinum
Business travel	Included	Included	Included
Manual work*	Optional	Optional	Optional
Replacement personnel	£1,000	£1,500	£2,500
Business equipment	£500	£500	£1,000
Samples & documents	£500	£500	£500

Sports & Activities

Cover	Silver	Gold	Platinum
Level 1	Included	Included	Included
Levels 2-4	Optional	Optional	Optional

Winter Sports Extension* (Optional)

*Applies when Sports & Activities Level 3 or 4 or Winter Sports cover is selected.

Cover	Silver	Gold	Platinum
Equipment	£500	£500	£1,500
Replacement hire	£300	£300	£1,500
Winter sports pack	£300	£300	£1,500
Piste closure	£300	£300	£500

End Supplier Failure

Cover	Silver	Gold	Platinum
End supplier failure	£10,000	£10,000	£10,000

Political unrest & natural catastrophe

Cover	Silver	Gold	Platinum
Political unrest & natural catastrophe	Up to £50,000 (£10,000 per insured person max)	Up to £50,000 (£10,000 per insured person max)	Up to £50,000 (£10,000 per insured person max)

Golf Cover* (Optional)

*Applies when Golf Cover is selected.

Cover	Silver	Gold	Platinum
Overall Limit	£1,500	£1,500	£2,500
Single Item Limit	£500	£500	£1,000
Equipment Hire	£50/12 hrs. £400 max	£50/12 hrs. £400 max	£200/12 hrs. £1,000 max
Unused green fees	£100 per day £500 max	£100 per day £500 max	£100 per day £500 max

Denial of Boarding

Cover	Silver	Gold	Platinum
Outward journey	£2,000	£5,500	£10,000
Return journey - Additional accommodation costs	£40/24 hrs. £560 max	£40/24 hrs. £560 max	£40/24 hrs. £560 max
Return journey - Additional return transportation	£300 Europe / £500 Worldwide	£300 Europe / £500 Worldwide	£300 Europe / £500 Worldwide

Cruise Cover* (Optional)

*Applies when Cruise Cover is selected.

Cover	Silver	Gold	Platinum
Missed port departure	£750	£1,000	£1,500
Skipped port benefit	£35 per port £500 max	£50 per port £750 max	£75 per port £1,000 max
Cabin confinement	£35 per 24hrs £500 max	£50 per 24hrs £500 max	£75 per 24hrs £750 max
Cruise attire lost or damaged	£1,000	£1,000	£1,000
Cruise attire delayed (24+ hrs)	£50 per 24hrs, £250 max	£50 per 24hrs, £250 max	£50 per 24hrs, £250 max
- Single item limit	£300	£300	£300
- Unreceipted items	£50 per item £150 max	£50 per item £150 max	£50 per item £150 max
Shore Excursions	£1,000	£1,000	£1,000
Cruise Interruption	£1,500	£1,500	£1,500
Low / High Water	£100 per occurrence, £2000 max	£100 per occurrence, £2000 max	£100 per occurrence, £2000 max
Denied Boarding - Additional Expenses	£250	£250	£250

Policy Excess

Cover	Silver	Gold	Platinum
Excess (per person, per incident)	£75	£50	Nil

Please note: A higher excess of £875 applies for emergency medical repatriation by air ambulance or helicopter within Nepal.

Important Information: For full details, including cover limits, terms, conditions and exclusions, please refer to the Policy Wording and Insurance Product Information Document (IPID).