Backpacker - What we cover
| Included in the cover | Red | Silver | Gold | Black |
|---|---|---|---|---|
| Standard Cover | Standard Cover | Standard Cover | Standard Cover | |
| Cancellation and curtailment | £2,000 | £3,000 | £5,000 | £7,500 |
| Medical expenses and repatriation | £5,000,000 | £10,000,000 | £15,000,000 | Unlimited |
| Mugging benefit | £250 plus
£250 counselling costs once in the UK | £400 plus
£500 counselling costs once in the UK | £500 plus
£1,000 counselling costs once in the UK | £600 plus
£1,500 counselling costs once in the UK |
| Personal accident | ||||
| Loss of limbs or sight | £10,000 | £15,000 | £25,000 | £40,000 |
| Permanently disabled | £10,000 | £15,000 | £25,000 | £40,000 |
| Death benefit (aged 18-65) | £5,000 | £10,000 | £15,000 | £25,000 |
| Repaying student loan | £2,500 | £2,500 | £5,000 | £5,000 |
| Abandoning your holiday | £2,000 | £3,000 | £5,000 | £7,500 |
| Missed departure | £250 | £500 | £1,000 | £1,500 |
| Personal liability | £2,000,000 | £2,000,000 | £2,000,000 | £3,000,000 |
| Legal expenses | £10,000 | £15,000 | £25,000 | £40,000 |
| Hijack | £250 | £400 | £500 | £600 |
| Accommodation cover | £500 | £750 | £1000 | £1,500 |
| Max trip duration | 18 months | 18 months | 18 months | 18 months |
| Home visits | One included per Adult | One included per Adult | One included per Adult | One included per Adult |
| Optional cover | Red | Silver | Gold | Black |
|---|---|---|---|---|
| Personal belongings & baggage | £1,000 | £1,500 | £2,000 | £2,500 |
| Single article, pair or set limit | £100 | £150 | £200 | £300 |
| Valuables limit in total | £200 | £300 | £400 | £600 |
| Alcohol and tobacco | £25 | £50 | £100 | £125 |
| Baggage delay | £75 | £150 | £300 | £450 |
| Personal money | £150 | £200 | £300 | £400 |
| Cash limit | £150 | £200 | £300 | £400 |
| Cash limit (aged under 18) | £50 | £100 | £150 | £250 |
| Beach cash limit | £50 | £100 | £150 | £250 |
| Passport and travel documents | £150 | £200 | £300 | £400 |
| Winter sports cover | ||||
| Winter sports equipment (owned) | £300 | £500 | £1000 | £1,500 |
| Single article, pair or set limit (owned) | £150 | £250 | £500 | £750 |
| Hired total | £150 | £250 | £500 | £750 |
| Ski hire | £150 | £200 | £500 | £750 |
| Ski pack | £200 | £300 | £450 | £510 |
| Piste closure | £150 | £200 | £400 | £500 |
| Avalanche closure | £200 | £250 | £500 | £750 |
| Excess - can vary from the amount shown, see full details (can also be doubled or waived). | £75 | £60 | £50 | £0 |