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MEDICAL EXPENSES
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| Reasonable hospital, medical and other expenses, whilst abroad, following accidental bodily injury, illness, or death during a trip. Includes emergency repatriation back to your home country on medical advice or due to serious accident, illness or death of a close relative or business partner. |
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PERSONAL
LIABILITY
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Covering your legal liability resulting from accidents causing death, bodily injury or property damage to a third party.
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LEGAL EXPENSES & ADVICE
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| Costs and expenses incurred in pursuit of claims arising out of your injury or death, to mount a claim against a third party. |
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SEARCH AND RESCUE
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| Covers charges for Search, Rescue and Sledge expenses, in mountains and at sea, by official Civil and Police rescue teams. |
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CANCELLATION & CURTAILMENT
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| Covers the actual and unavoidable costs you incur if forced to cancel, cut short or delay a pre-booked holiday as a result of specified causes such as death, injury, illness or redundancy. |
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INCONVENIENCE BENEFIT
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| A benefit per day whilst you are hospitalised during a Journey abroad. Payable after first 24 hours spent as an In-patient. |
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PERSONAL
ACCIDENT
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| A payment made following accidental injury resulting in death, loss of limb, eye or other permanent total disablement. No PTD over 65 years. |
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ACTIVITY PACK
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| Gives you a reimbursement for proportionate loss of pre-paid costs of passes and/or permits and/or tuition and/or equipment hire associated with the selected sport or activity following accident or injury. |
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TRAVEL DELAY ABANDONMENT MISSED DEPT.
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| A cash benefit if your departure is delayed by at least 12 hours as a result of industrial action, adverse weather or mechanical breakdown with the option to abandon the trip after 24 hours. You are also covered if you fail to reach your International departure point due to the failure of public transport services or mechanical breakdown of your vehicle. |
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HI-JACK
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| A cash benefit for each day of detention up to a maximum of 20 days following hi-jack or kidnap or being taken as a hostage. |
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CATASTROPHE
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| Additional expenses if you are forced to move from your pre-booked accommodation due to natural disaster or Government directive. Includes costs of transportation to alternative site if all facilities in your pre-booked resort are closed or compensation if unable to transfer. |
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BAGGAGE AND PERSONAL EFFECTS
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| Loss of or damage to your personal baggage provided you take proper care to safeguard your property at all times. There are limits for any one article and valuables, and children (under 16 years) are restricted to 50% of the adult limit. Ensure that expensive items (ie videos) are insured elsewhere. Does not include cover for Specialist Sports equipment - see equipment extension below. |
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SPORTS EQUIPMENT EXTENSIONS
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| Extends cover to include Specialist Sports Equipment that is not covered under Baggage and Personal Effects. |
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DELAYED BAGGAGE
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| Emergency purchase of necessities / hire of equipment if your baggage/equipment is delayed for at least 10 hours. |
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MONEY AND DOCUMENTS
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| Loss of cash, travellers cheques and other travel documents. |
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PERSONAL ASSISTANCE
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| Provides a 24 hour helpline for you to contact in the event of a Medical Emergency. Will also help with other benefits such as your early return following an Emergency and advances for: bail, lawyer's fees and medical expenses if required. |
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