COMPARE COVER LEVELS

Cover for loss of travel and accommodation expenses, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed in Section 1 of the Policy Wording.

Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your early return home in the United Kingdom or the date of your hospitalisation as an inpatient, which have not been used and which were paid before your departure from your home in the United Kingdom. You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to a cause listed in Section 2 of the Policy Wording.

Medical and Hospital Treatment: Covers emergency medical and surgical treatment, including necessary physiotherapy. Emergency Dental Treatment: Covers pain relief, up to the specified limit. Accommodation and Travel Expenses: Covers additional accommodation and travel expenses (Economy Class) if you need to return home, including a companion if necessary. Repatriation: Covers the cost of transporting your body or ashes to the UK, or local funeral expenses abroad up to GBP1,500 (does not cover burial or cremation in the UK). Search and Rescue: Covers costs up to GBP50,000 for search and rescue and emergency hospital transfer if you have an accident during an insured activity, provided you paid the additional premium and it?s listed on your policy. Coverage is for up to 72 hours from the time assistance is first summoned.

You are covered up to the limit shown in the Summary of Cover for your share of any pre-paid costs that are directly related to your trip, which you have paid and cannot recover, or which cannot be transferred or used for another purpose if you or a travelling companion are refused boarding of the public transport on which you are booked to travel, on the order of the carrier, due to you or your travelling companion displaying symptoms of an epidemic or pandemic disease, such as COVID-19;

You are covered up to the limit shown in the Summary of Cover for your share of any pre-paid costs that are directly related to your trip, which you have paid and cannot recover, or which cannot be transferred or used for another purpose if you or a travelling companion are refused boarding of the public transport on which you are booked to travel, on the order of the carrier, due to you or your travelling companion displaying symptoms of an epidemic or pandemic disease, such as COVID-19;

You are covered up to the limit shown in the Summary of Cover for reasonable and necessary additional accommodation (room only) and travelling expenses home (Economy Class) if you or a travelling companion are refused boarding on the return trip of the public transport on which you are booked to travel, on the order of the carrier, due to you or your travelling companion displaying symptoms of an epidemic or pandemic disease, such as COVID-19;

Cover for emergency dental treatment, to relieve pain only.

Cover for in the event of death, reasonable cost for the conveyance of the body or ashes to the United Kingdom (the cost of burial or cremation in the UK/Home is not included), or local funeral expenses abroad limited to £1,500.

Any necessary costs you incur from a specialist local rescue organisation for Search and Rescue and emergency transfer to hospital up to £50,000 in the event of an accident whilst you are participating in any sport or activity detailed in Section 17 provided you have paid the additional premium for that activity and it is shown on your policy schedule. Search and Rescue costs are covered up to 72 hours from the time at which assistance is first summoned.

You are covered up to the limit as shown on the Summary of Cover for: 1. payment of the amount shown for each complete 24 hours you spend in hospital, as a result of you being admitted as an in-patient to a registered hospital. This is in addition to any medical expenses incurred under the Emergency Medical Expenses section.

You are covered up to the limit as shown on the Summary of Cover for: 1. payment of the amount shown for each complete 24 hours you spend in hospital, as a result of you being admitted as an in-patient to a registered hospital. This is in addition to any medical expenses incurred under the Emergency Medical Expenses section.

You are covered up to the limit as shown on the Summary of Cover for: 1. payment of the amount shown for each complete 24 hours you spend in hospital, as a result of you being admitted as an in-patient to a registered hospital. This is in addition to any medical expenses incurred under the Emergency Medical Expenses section.

You are covered up to the limit as shown on the Summary of Cover in respect of loss of limb, loss of sight, permanent total disablement or for death (which will be paid to your legal representative), if you have a personal accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent death or disability. We will only pay the benefit for permanent total disablement if your medical practitioner or specialist confirms that you cannot do any paid work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.

You are covered up to the limit as shown on the Summary of Cover in respect of loss of limb, loss of sight, permanent total disablement or for death (which will be paid to your legal representative), if you have a personal accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent death or disability. We will only pay the benefit for permanent total disablement if your medical practitioner or specialist confirms that you cannot do any paid work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.

A) Personal Baggage You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: -- the single item limit as shown on the Summary of Cover for any one item, pair or set of items; -- the valuables limit as shown on the Summary of Cover for all valuables in total. B) Delayed Baggage You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

A) Personal Baggage You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: -- the single item limit as shown on the Summary of Cover for any one item, pair or set of items; -- the valuables limit as shown on the Summary of Cover for all valuables in total. B) Delayed Baggage You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

A) Personal Baggage You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: -- the single item limit as shown on the Summary of Cover for any one item, pair or set of items; -- the valuables limit as shown on the Summary of Cover for all valuables in total. B) Delayed Baggage You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

A) Personal Baggage You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: -- the single item limit as shown on the Summary of Cover for any one item, pair or set of items; -- the valuables limit as shown on the Summary of Cover for all valuables in total. B) Delayed Baggage You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

A) Personal Baggage You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to: -- the single item limit as shown on the Summary of Cover for any one item, pair or set of items; -- the valuables limit as shown on the Summary of Cover for all valuables in total. B) Delayed Baggage You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.

You are covered up to the limit as shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is £50.

You are covered up to the limit as shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is £50.

You are covered up to the limit as shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is £50.

You are covered up to the limit as shown on the summary of cover for: 1. reasonable additional travel or accommodation expenses you have to pay whilst abroad, over and above any payment which you would normally have made during the trip if no loss had been incurred, as a result of you needing to replace a lost or stolen passport, visa or driving licence. 2. any additional fees payable specifically for you to obtain the replacement passport itself over and above that payable in the United Kingdom. 3. the equivalent (pro-rata) value of the remaining period of your original passport at the time of loss. For the replacement cost of any temporary passport, as well as visa or temporary work permits which were issued in your original passport.

We will pay you one of the amounts for 1. Travel delay or 2.A. Trip abandonment or 2.B. Additional travel and accommodation.

We will pay you one of the following amounts: 1. TRAVEL DELAY: If the public transport on which you are booked to travel is cancelled or delayed due to: -- strike or industrial action (provided that when this policy was taken out, and when the trip was booked there was no reasonable expectation that the trip would be affected by such cause); -- adverse weather conditions; -- mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel; leading to your arrival at your destination being delayed for more than 12 hours or your return journey to your home being delayed for more than 12 hours. You are covered for a payment for each complete 12 hour delay up to the limit, as shown on the Summary of Cover, (which is designed to help you pay for telephone calls made, and meals and refreshments purchased during the delay) provided you eventually continue with your trip.

2. TRIP ABANDONMENT: We will pay you: A. up to the limit as shown on the Summary of Cover for any irrecoverable unused accommodation and travel costs and other pre-paid charges which you have paid or are contracted to pay if you abandon the trip because you were not able to travel as a result of: -- the public transport on which you were booked to travel from the United Kingdom being cancelled or delayed for more than 24 hours or -- you being denied boarding on the flight on which you were booked to travel from the United Kingdom (because there are too many passengers for the seats available) and no other flight could be provided within 24 hours

2.ADDITIONAL TRAVEL & ACCOMMODATION: B. up to the limit as shown on the Summary of Cover for reasonable suitable additional accommodation (room only) and public transport expenses (Economy class) necessarily incurred in reaching your destination and/or in returning to the United Kingdom as a result of: -- the public transport on which you were booked to travel being cancelled, delayed for more than 12 hours, diverted or re-directed after take-off or -- you being denied boarding (because there are too many passengers for the seats available) and no other alternative flight could be provided within 12 hours and you choose to make other travel arrangements on public transport for your trip because there was no other alternative transport offered by the public transport operator. The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the public transport operator. If the same costs, charges or expenses are also covered under Section 10 Missed Departure you can only claim for these under one section for the same event. In addition to the above you are covered for: KENNEL AND CATTERY COSTS We will pay you the additional cattery or kennel costs up to the limit shown in the summary of benefits, if you have to return home later than originally booked.

We will pay you the additional cattery or kennel costs up to the limit shown in the summary of benefits, if you have to return home later than originally booked.

You are covered up to the limit as shown on your Summary of Cover for reasonable additional accommodation (room only) and public transport travel expenses (Economy class) necessarily incurred in reaching your destination or returning to the United Kingdom if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel, including connections within the United Kingdom on the return journey to your home as a result of: 1. the failure of other public transport or 2. the vehicle you are travelling in has an accident or breaks down 3. strike, industrial action or adverse weather conditions or 4. you being denied boarding (because there are too many passengers for the seats available) If the same expenses are also covered under Section 9 - Travel Disruption you can only claim for these under one section for the same event.

We will pay you up to the limit as shown on the Summary of Cover for reasonable additional accommodation (room only) and transport costs (Economy class) incurred: 1. up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation or 2. with the prior authorisation of the Emergency Assistance Service to repatriate you to your home if it becomes necessary to curtail the trip as a result of a natural catastrophe, an infectious disease or outbreak of food poisoning affecting your accommodation.

You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of: 1. accidental bodily injury to a person who is not a member of your family or household or employed by you; 2. loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of your family, household or employee; 3. loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.

You are covered if you die, are ill or injured during your trip and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following: Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an Alternative Resolution Facility. For each event giving rise to a claim pay up to the amount shown on your schedule for legal costs for legal action for you (but no more than £20,000 in total for all persons insured on the policy).

You are covered up to the limit as shown on the summary of cover, for each complete 24 hour period you are the victim of a hijack.

You are also covered for: 1. Reasonable additional business travel and accommodation costs for a a business partner, director or employee from the United Kingdom to replace you at a pre-arranged meeting in the event of your medical incapacity to carry out your duties abroad up to the limit shown on the Summary of Cover 2. The cost of replacing lost, stolen damaged or destroyed business equipment, samples or documentation, while being carried with you during your trip, up to the Limit shown on the Summary of Cover. You are not covered under the Personal Liability section when you are undertaking any form of work.

You are covered to do non-manual work during your leisure or holiday trip under this policy and can be extended to cover manual work or business trips if you have paid an appropriate additional premium and it is shown on your policy schedule. This section is optional. An additional premium must be paid to include this and have it shown on your policy schedule.

You are also covered for: 1. Reasonable additional business travel and accommodation costs for a a business partner, director or employee from the United Kingdom to replace you at a pre-arranged meeting in the event of your medical incapacity to carry out your duties abroad up to the limit shown on the Summary of Cover 2. The cost of replacing lost, stolen damaged or destroyed business equipment, samples or documentation, while being carried with you during your trip, up to the Limit shown on the Summary of Cover. You are not covered under the Personal Liability section when you are undertaking any form of work.

You are also covered for: 1. Reasonable additional business travel and accommodation costs for a a business partner, director or employee from the United Kingdom to replace you at a pre-arranged meeting in the event of your medical incapacity to carry out your duties abroad up to the limit shown on the Summary of Cover 2. The cost of replacing lost, stolen damaged or destroyed business equipment, samples or documentation, while being carried with you during your trip, up to the Limit shown on the Summary of Cover. You are not covered under the Personal Liability section when you are undertaking any form of work.

You are also covered for: 1. Reasonable additional business travel and accommodation costs for a a business partner, director or employee from the United Kingdom to replace you at a pre-arranged meeting in the event of your medical incapacity to carry out your duties abroad up to the limit shown on the Summary of Cover 2. The cost of replacing lost, stolen damaged or destroyed business equipment, samples or documentation, while being carried with you during your trip, up to the Limit shown on the Summary of Cover. You are not covered under the Personal Liability section when you are undertaking any form of work.

Your travel insurance covers you for many sports and activities as standard which are listed within the Policy Wording as level 1. Any other sports and activities will need an extra premium to be paid for cover to apply and it will be shown on your schedule. If you are participating in an activity that is not listed, you must contact us to ensure you have full cover, cover will not be in place until we have confirmed acceptance and any additional premium paid. If you have paid the additional premium for a sport or activity in Level 4 you will be covered for all sports and activities listed as Level 1, 2, 3 and 4. If you have paid the additional premium for a sport or activity in Level 3 you will be covered for all sports and activities listed as Level 1, 2 and 3. If you have paid the additional premium for a sport and activity in Level 2 you are covered for all sports and activities listed as Level 1 and 2 NOTE: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity below for details.

Your travel insurance covers you for many sports and activities as standard which are listed within the Policy Wording as level 1. Any other sports and activities will need an extra premium to be paid for cover to apply and it will be shown on your schedule. If you are participating in an activity that is not listed, you must contact us to ensure you have full cover, cover will not be in place until we have confirmed acceptance and any additional premium paid. If you have paid the additional premium for a sport or activity in Level 4 you will be covered for all sports and activities listed as Level 1, 2, 3 and 4. If you have paid the additional premium for a sport or activity in Level 3 you will be covered for all sports and activities listed as Level 1, 2 and 3. If you have paid the additional premium for a sport and activity in Level 2 you are covered for all sports and activities listed as Level 1 and 2 NOTE: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity below for details.

The winter sports extension applies if sports and activities level 3 or 4 is selected.

You are covered up to the limit shown in the Summary of Cover for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they 34 are lost, stolen or damaged during your trip, limited to the single item limit for any one item. For winter sports equipment over 5 years old the maximum we will pay is £50.

You are covered up to the limit shown in the Summary of Cover for the reasonable cost of hiring winter sports equipment for the rest of your trip or until your own or hired winter sports equipment has been returned to you, if: 1. your equipment is lost, stolen or damaged; or 2. your equipment is delayed for more than 12 hours on your outward journey.

You are covered up to the limit shown in the Summary of Cover for the value of the unused portion of your ski school, resort pass, lift pass and winter sports equipment hire costs limited to £150 per week, if: 1. you have an accident or you are ill; 2. your lift pass is lost or stolen.

You are covered up to the limit shown in the Summary of Cover if during the period of your stay, on-piste skiing at the resort that you had pre-booked is not available due to lack of snow or excessive snow or avalanche conditions, we will pay: 1. up to £15 per day towards transport costs to reach another resort or; 2. compensation of £25 per full day if skiing is unavailable due to the total closure of all on-piste skiing activity.

Cover for Financial Failure of your; scheduled airline, hotel, train operator including Eurostar, car ferries; cruise companies; villas abroad & cottages in the UK; coach operator, car or camper hire company, caravan sites, campsites, mobile home, safaris; excursions; Eurotunnel; theme parks or attractions all known as the End Supplier of the travel arrangements not forming part of an inclusive holiday prior to departure.

You are covered up to the limit shown in the Summary of Cover for reasonable costs and expenses incurred as a result of the need to evacuate You from Your destination whilst on a trip as a result of Political Unrest or Natural Catastrophe.

Cover if your golf equipment is lost, stolen, damaged or delayed and you need to hire replacement until yours is returned. Cover for green fees, if you have an accident or are ill, or your documents are lost or stolen which prevents you from playing golf.

Cover if your golf equipment is lost, stolen, damaged or delayed and you need to hire replacement until yours is returned. Cover for green fees, if you have an accident or are ill, or your documents are lost or stolen which prevents you from playing golf.

Cover if your golf equipment is lost, stolen, damaged or delayed and you need to hire replacement until yours is returned. Cover for green fees, if you have an accident or are ill, or your documents are lost or stolen which prevents you from playing golf.

You are covered up to the limit shown on the Summary of Cover for the reasonable cost of hiring golf equipment for the rest of your trip or until your own golf equipment has been returned to you if: a) Your golf equipment is lost, stolen or damaged; or b) Your golf equipment is delayed for at least 12 hours on your outward journey.

You are covered up to the limit shown on the Summary of Cover for the value of unused portion of your green fees if: a) You have an accident or are ill; or b) Your documents are lost or stolen which prevents you from playing golf.

Cruise Cover applies if you have selected the Cruise Cover extension and appropriate premium paid.

Cover for reasonable additional travel expenses necessarily incurred in reaching your next overseas port destination if you fail to check in on time for your outward departure as a result of: 1. the vehicle you are travelling in has an accident or breaks down accident or 2. your public transport is delayed

Cover if your cruise operator are unable to dock at a designated port as per the pre-published itinerary as a result of: 1. adverse weather conditions or 2. timetable restrictions

Cover if you are confined to your cabin or in a state hospital as an in- patient during the period of the trip due to illness or injury.

Cover for the value or repair of any of your formal cruise attire (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to the single item or unreceipted item limit as shown on the Summary of Cover for any one item, pair or set of items.

Cover for the purchase or hire of replacement items if your formal cruise attire is delayed in reaching you on your outward journey for at least 24 hours from the time you boarded your ship.

Cover for the value or repair of any of your formal cruise attire (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to the single item or unreceipted item limit as shown on the Summary of Cover for any one item, pair or set of items.

Cover for the value or repair of any of your formal cruise attire (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to the single item or unreceipted item limit as shown on the Summary of Cover for any one item, pair or set of items.

Cover for the unrecoverable costs of the excursions you have pre- paid but cannot go on due to: 1. a medical practitioner has advised you not to go on the excursion because of your injury or illness (including being diagnosed with an epidemic or pandemic disease such as COVID-19) during your trip;2. your cruise ship cannot make a scheduled stop at a port because of bad weather or other restriction

Cover for the additional travel expenses you incur to reach the next port in order to re-join your cruise as a result of an illness or injury requiring treatment on dry land.

Cover for each occurrence where your river cruise is interrupted due to insufficient or excess water levels where your cruise operator: 1. provides only land-based alternative accommodation 2. requires you to change ships.

Cover for food, communication expenses and additional travel expenses if you are denied boarding your cruise ship that you are scheduled to travel due to a suspicion that you have a contagious disease (including being diagnosed with an epidemic or pandemic diseases such as COVID-19).