What is Covered

What do you get!

What your travel insurance policy should cover and cough up for if should things go horribly wrong.

Have a look at our at-a-glance guide to comprehensive cover.

Regardless of how often you travel, your age, health or wealth, any half-baked travel insurance policy should cover you for loss against all of the following:

Expect:

• Cancellation & Curtailment (trip is cut short)
• Emergency Medical & Repatriation (being returned to your country of origin)
• Personal Possessions
• Personal Money
• Personal Accident
• Missed Departure e.g. flight or ferry
• Departure Delay
• Personal Liability
• Hijack/Mugging
• Legal Expenses

If it doesn't, then think again

1. Cancellation & Curtailment Up to £3,000 if your trip's cancelled or cut short due to circumstances beyond your control.
2. Emergency Medical & Repatriation At least £1 million for Europe and £2 million worldwide but ideally up to £10 million for medical treatment, hospitalisation and bringing you home if you're ill or injured.
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3. Personal Possessions Up to £1,500 to cover loss or damage to personal possessions and documents, including the cost of replacing a lost passport - a nightmare.
4. Personal Money Up to £500 for loss or theft. Hard cash, obviously, is covered (keep proof of what you were carrying e.g. cash withdrawal slips). Also cheques, Postal Orders, money orders, travellers cheques, e-cheques, coupons or vouchers with a monetary value, current postage stamps, tickets to shows and events and travel tickets (for private not business uses).
5. Personal Accident Up to £15,000 if you suffer permanent disability or death on holiday.
6. Missed Departure Up to £800 if you're stranded at the airport through no fault of your own.
7. Departure Delay Up to up to £800 (delay) or up to £3,000 (if departures are abandoned).
8. Personal Liability Up to £2 million in legal expenses and personal liability cover if you have an accident and cause injury or damage to other people and their property (see golf liability).
9. Hijack/Mugging Up to £1,000 if you get caught up in a hijack (see business/corporate cover) and up to £150 if you get mugged
10. Legal Expenses Up to £25,000 to help you claim compensation or damages following personal injury. A must if the country you're visiting doesn't have a legal aid system.