Travel Insurance

Cancellation, curtailment, disruption and delay

We'll pay up to £10,000 or whatever higher amount is agreed if a trip has to be cancelled, curtailed or altered by anything outside the control of either the business or an insured person.

Cancellation before departure - we'll pay for deposits and advance payments for transport and accommodation.

Curtailed trips - we’ll pay for any expenses that can’t be recovered and for the cost of returning a person to the UK and sending a replacement to assume their duties.

Altered trips - we’ll reimburse additional travel and accommodation costs that can’t be recovered, to continue the trip or return to the UK.

Travel delay – we’ll pay £50 per hour (starting after the first four hours delay) up to a maximum of £500.

What’s not included
• disinclination to travel or to continue a trip
• default by a provider (or their agent) of transport or accommodation
• Public Authority or Government regulations
• strike, labour dispute, mechanical breakdown or other failure of transport except in specified circumstances

Please note: For a full description of the exclusions and cover limitations for cancellation, curtailment, disruption and delay, please read the policy document.

You can't put a price on treatment and recovery, so there's no limit on medical expenses outside the UK or the insured person's permanent country of residence.

In addition to the cost of emergency medical and rescue fees for a sick or injured traveller, we’ll pay:
• additional travel and accommodation expenses for the traveller or a person who has to travel to, remain with, or escort the traveller
• up to £50,000 for the cost of in-patient medical charges during the three months after a traveller returns to the UK or their own permanent country of residence
• £50 each day, for up to 365 days, if a traveller is sick or injured and a hospital in-patient
• rescue costs to get someone to an appropriate medical facility or back home, where recommended by a medical advisor
• rescue costs to bring a person’s body or ashes and personal effects home

Plus, our Assistance services are available 24/7 and staffed by experienced multi-lingual assistance co-ordinators.

What’s not included
• travelling against medical advice or to receive medical advice or treatment
• use of non-prescribed drugs that cannot be obtained legally from a pharmacy
• intentional self-injury, suicide or attempted suicide.

Please note: For a full description of the exclusions and cover limitations for Medical and Emergency Travel Expenses and rescue, please read the policy document.

Some property is relatively easy to replace. Other property, like travel documents, can involve official bodies that may not be located nearby. And whilst delayed baggage may not be lost, it’s likely to require a shopping trip. So, we offer financial solutions in each of these situations. Plus we cover losses resulting from lost or stolen personal money, foreign currency and traveller’s cheques.

We’ll pay up to:
• personal property: £5,000 (or other sum insured selected) for lost, stolen or damaged personal property
• money, credit, debit or charge cards: £5,000 if money for travel, meals, accommodation and personal expenditure is lost or stolen, or credit, debit or charge cards are used fraudulently
• travel documents: £1,500 towards extra travel and accommodation costs to replace lost or damaged, essential travel documents (e.g. passport, visa, money, travel tickets)
• home keys: £250 to replace locks if a person loses their home keys
• delayed baggage: £1,000 to buy essential items because personal baggage is temporarily lost for more than four hours during an outward or return trip (if property is permanently lost, any payment is deducted from the final claim payment).

As foreign currency and travellers cheques are generally purchased in advance and deposited or cashed afterwards, we’ll cover them for up to 120 hours either side of a trip.

What’s not included
• any item worth more than £2,000 unless the policyholder or insured person pays 25% of the difference between £2,000 and the replacement value
• any loss of money of more than £2,000 unless the policyholder or insured person pays the first 25% of the difference between £2,000 and the value of the cash loss (or sum insured if that is less)
• fraudulent use of a lost or stolen credit, charge or cash card unless the card issuer’s terms and conditions have been complied with

Please note: For a full description of the exclusions and cover limitations for personal property please read the policy document.

People can get injured by a third party when they're travelling or injure a third party or damage their property. Lifeline Plus covers these scenarios.

If travellers
• want to sue third parties that have injured them we’ll pay up to £50,000 towards their legal expenses.
• are sued by third parties for injuries or damaged property we’ll pay up to £5 million in awarded damages and compensation, plus legal costs and expenses.

What’s not included
Legal expenses
Claims for damages and/or compensation against a third party
• that are not due to accidental bodily injury, death or illness
• with no reasonable legal grounds for pursuing
Claims against a travel agent, tour operator, insurer or the policyholder

Legal Liability
Any liability due to
• employment related injury, sickness or disease
• a mechanically propelled vehicle, aircraft or watercraft
• carrying on any trade, business or profession
• loss or damage to property owned by, or in the custody of the policyholder or an employee

Please note: For a full description of the exclusions and cover limitations for legal expenses and liability please read the policy document.

Hijack, kidnap or being held hostage

We’ll pay
• £500 each day a traveller is forcibly or illegally detained on an aircraft, ship or train – up to a maximum of £25,000
• up to £250,000 in any 12 months as ransom money and up to £50,000 in any 12 months for fees and expenses payable to consultants we choose to respond to a ransom demand

What’s not included
• fraudulent, dishonest or criminal acts of the policyholder or a person it has authorised to have custody of ransom monies (but not a ransom payment because a local authority has declared payment illegal)
• kidnap within a hostage’s permanent country of residence or other designated countries (including Colombia, Iraq, Mexico, Nigeria, Philippines, Venezuela or Yemen)

Please note: For a full description of the exclusions and cover limitations for hijack and kidnap please read the policy document.

Evacuation and repatriation costs and expenses due to political evacuation or instability.

We’ll pay up to £50,000 for evacuation and repatriation costs if
• a traveller is being expelled, declared persona non grata or the insured’s property is being seized or confiscated
• an appropriate authority issues an advisory order to all its government personnel in non-emergency positions and their dependents to leave a country

What’s not included

Any claim due to
• alleged violation of the host country’s laws
• failure to maintain and possess required documents and visas
Any claim where the insured person is a citizen of the host country

Please note: For a full description of the exclusions and cover limitations for Political Evacuation please read the policy document.