Airport Parking & Hotels (APH) Compares Travel Insurance Policies For Golden Gap Year

According to research by Azimo*, many Britons are now taking their own ‘grown-up gap year’, with 37% of 1,000 UK adults planning to tick off their bucket list on an extended trip abroad. For empty nesters planning a ‘Golden Gap Year’, APH has put together a guide comparing travel insurance policies available to those aged over 65-years-old.
Travel Insurance


AA Travel Insurance

POLICY

  • Standard AA Single Trip

COVERS*

  • UK
  • Europe including or excluding Spain, Cyprus, Turkey and Malta
  • Australia and New Zealand
  • Worldwide including or excluding USA, Canada and the Caribbean

AGE

  • No upper age limit

DURATION OF COVER

  • 185 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £80 excess


MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,500 for baggage, baggage delay and passport (£300 single item limit, £400 valuables limit and £250 for loss of passport)
  • £80 excess, however no excess for valuables
  • £500 in total for personal money (£300 cash limit)
  • £80 excess
  • Policy extras including excess waiver, travel disruption and golf cover are available

ACTIVITIES COVERED

  • Select activities, including rowing, water polo, windsurfing and sailing (passenger only, inside territorial waters)

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition


Aviva

POLICY

  • Single Trip and Annual Multi-Trip

COVERS*

  • Europe
  • Worldwide, excluding or including USA, Canada and all Caribbean Islands

AGE

  • N/A

DURATION OF COVER

  • Up to 120 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • Up to £750 for emergency travel documents
  • Up to £400 for cash and bank notes
  • Up to £150 for delayed baggage
  • Policy extras including baggage cover and travel disruption cover can also be purchased

ACTIVITIES COVERED

  • Select activities, including abseiling, bridge walking, mountain biking and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)


Explorer Travel Insurance

POLICY

  • Platinum Lite

COVERS*

  • United Kingdom
  • Australia/New Zealand
  • Worldwide, excluding or including Canada, Caribbean and USA
  • All European countries west of the Ural Mountains excluding or including Andorra, Cyprus, Greece, Spain and Turkey.

AGE

  • There is no upper age limit for single trip cover

DURATION OF COVER

  • Can cover single trips up to 365 days in duration, dependent on the policy type selected and age

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £7,000,000
  • £125 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,000 for baggage (£200 single article limit and £200 total for all valuables)
  • £125 excess
  • £350 for personal money, passport and travel documents (£200 cash limit and £100 limit for passport and travel documents)
  • £125 excess for cash, however no excess for loss of passport and travel documents
  • Policy extras including excess waiver and golf cover are available

ACTIVITIES COVERED

  • Select activities, including beach games, snorkelling, windsurfing and water skiing.
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition
  • Select conditions, including any heart/circulatory condition, a stroke or high blood pressure, breathing conditions, any type of cancer and diabetes
  • Traveller must select the option to include cover for medical conditions otherwise the policy quotes will not provide cover for any medical conditions

POLICY

  • Platinum

COVERS*

  • United Kingdom
  • Australia/New Zealand
  • Worldwide, excluding or including Canada, Caribbean and USA
  • All European countries west of the Ural Mountains excluding or including Andorra, Cyprus, Greece, Spain and Turkey

AGE

  • There is no upper age limit for single trip cover

DURATION OF COVER

  • Can cover single trips up to 365 days in duration, dependent on the policy type selected and age

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £75 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,000 for baggage (£250 single article limit and £200 in total for all valuables)
  • £75 excess
  • £500 for personal money, passport and travel documents (£250 cash limit and £150 limit for passport and travel documents)
  • £75 excess for cash, however no excess for loss of passport and travel documents

ACTIVITIES COVERED

  • Select activities, including beach games, snorkelling, windsurfing and water skiing.
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition
  • Select conditions, including any heart/circulatory condition, a stroke or high blood pressure, breathing conditions, any type of cancer and diabetes
  • Traveller must select the option to include cover for medical conditions otherwise the policy quotes will not provide cover for any medical conditions

POLICY

  • Gold

COVERS*

  • United Kingdom
  • Australia/New Zealand
  • Worldwide, excluding or including Canada, Caribbean and USA
  • All European countries west of the Ural Mountains excluding or including Andorra, Cyprus, Greece, Spain and Turkey

AGE

  • 18 – 76 years old

DURATION OF COVER

  • Can cover single trips up to 365 days in duration, dependent on the policy type selected and age

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £2,500,000
  • £100 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,000 for baggage (£150 single article limit and £150 total for all valuables)
  • £100 excess
  • £200 for personal money, passport and travel documents (£200 cash limit and £100 limit for passport and travel documents)
  • £100 excess for cash, however no excess for loss of passport and travel documents

ACTIVITIES COVERED

  • Select activities, including sail boarding, wake boarding, water polo and fishing
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • N/A

POLICY

  • Gold Plus

COVERS*

  • United Kingdom
  • Australia/New Zealand
  • Worldwide, excluding or including Canada, Caribbean and USA
  • All European countries west of the Ural Mountains excluding or including Andorra, Cyprus, Greece, Spain and Turkey

AGE

  • No upper age limit

DURATION OF COVER

  • Can cover single trips up to 365 days in duration, dependent on the policy type selected and age

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £5,000,000
  • £100 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,500 for baggage (£200 single article limit and £200 total for all valuables)
  • £100 excess
  • £350 for personal money, passport and travel documents (£200 cash limit and £150 limit for passport and travel documents)
  • £100 excess for cash, however no excess for loss of passport and travel documents

ACTIVITIES COVERED

  • Select activities, including sail boarding, wake boarding, water polo and fishing.
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • N/A


Flexicover Travel Insurance

POLICY

  • Bronze Single Trip

COVERS*

  • Worldwide including USA, Canada & the Caribbean
  • Different coverage for each country is available including Europe and Australia etc

AGE

  • Up to 85 years old

DURATION OF COVER

  • 31 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £2,500,000
  • £125 excessMAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED
  • No cover for baggage
  • No cover for Personal money, passport & documents

ACTIVITIES COVERED

  • Select activities, including bowls, golf, jet skiing (no racing) and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)

POLICY

  • Silver Single Trip

COVERS*

  • Worldwide including USA, Canada & the Caribbean
  • Different coverage for each country is available including Europe and Australia etc

AGE

  • Up to 85 years old (with restrictions)

DURATION OF COVER

  • For each insured person aged 75 years and under, the maximum trip duration is 100 days
  • For each insured person aged between 76 and 85 years, the maximum trip duration is 31 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £5,000,000
  • £95 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £750 for baggage (£100 single article, pair or set limit and £100 limit for valuables)
  • £95 excess
  • £250 for personal money, passport & documents (£150 cash limit)
  • £95 excess

ACTIVITIES COVERED

  • Select activities, including bowls, golf, jet skiing (no racing) and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)

POLICY

  • Gold Single Trip

COVERS*

  • Worldwide including USA, Canada & the Caribbean
  • Different coverage for each country is available including Europe and Australia etc

AGE

  • Up to 85 years old (with restrictions)

DURATION OF COVER

  • For each insured person aged 75 years and under, the maximum trip duration is 100 days
  • For each insured person aged between 76 and 85 years, the maximum trip duration is 31 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £7,500,000
  • £65 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,000 for baggage (£300 single article, pair or set limit and £300 limit for valuables)
  • £65 excess
  • £500 for personal money, passport & documents (£200 cash limit)
  • £65 excess

ACTIVITIES COVERED

  • Select activities, including bowls, golf, jet skiing (no racing) and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)

POLICY

  • Platinum Single Trip

COVERS*

  • Worldwide including USA, Canada & the Caribbean
  • Different coverage for each country is available including Europe and Australia etc

AGE

  • Up to 85 years old (with restrictions)

DURATION OF COVER

  • For each insured person aged 75 years and under, the maximum trip duration is 100 days
  • For each insured person aged between 76 and 85 years, the maximum trip duration is 31 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • No excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £3,000 for baggage (£500 single article, pair or set limit and £500 limit for valuables)
  • No excess
  • £750 for personal money, passport & documents (£350 cash limit)
  • No excess

ACTIVITIES COVERED

  • Select activities, including bowls, golf, jet skiing (no racing) and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)


JustTravelCover.com

POLICY

  • Single Trip

COVERS*

  • Age 86 years and over (Geographical limited – restricted to UK/EU only)
  • Does not clarify where the insurance covers

AGE

  • No upper age limit but restrictions on those over 86 years

DURATION OF COVER

  • Up to 85 years – 365 inclusive
  • Over 86 years – 23 days inclusive

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • Up to £5,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,500 for personal effects and baggage (£500 single item, pair or set limit and £500 total for all valuables)
  • £50 excess
  • £750 for money and cash
  • £50 excess
  • £500 for passport
  • No excess
  • Additional cover can be bought for gadgets and excess waivers

ACTIVITIES COVERED

  • Select activities, including beach games, dinghy sailing, rambling and snorkelling

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition


Saga

POLICY

  • Single Trip

COVERS*

  • Europe
  • Worldwide, excluding or including USA, Canada, Mexico and all Caribbean Islands

AGE

  • Policy holder must be over 50, however no upper age limit

DURATION OF COVER

  • Up to 120 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000 – worldwide
  • £5,000 – UK
  • £70 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £5,000 for lost, stolen or damaged baggage
  • £70 excess
  • (£600 single article limit and £1,000 total valuables limit)
  • Policy extras including hire car excess waiver and winter sports coverage can be purchased

ACTIVITIES COVERED

  • Select activities, including hiking, ice skating, rambling and surfing
  • If participating in activities that are not listed, you are required to ring and speak to an advisor

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)


Sainsbury’s Bank

POLICY

  • Basics Single Trip

COVERS*

  • UK
  • Europe
  • Worldwide

AGE

  • No upper age limit
  • However, annual cover is available up to the age of 80 (65 for trips to the USA, Canada, Mexico, Caribbean, China, Hong Kong and Singapore)

DURATION OF COVER

  • N/A

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £2,500,000
  • £100 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,250 for personal baggage (£250 single article limit and £250 valuables limit)
  • £100 excess
  • £400 for personal money (cash limit of £200)
  • £100 excess
  • Policy extras including golf cover and excess reduction are available

ACTIVITIES COVERED

  • Select activities, including boogie boarding, rambling, swimming and hot air ballooning

ADDITIONAL INFORMATION

  • Up to 25% off online for Nectar card holders
  • Medical screening necessary if traveller declares pre-existing condition

POLICY

  • Standard Single Trip

COVERS*

  • UK
  • Europe
  • Worldwide

AGE

  • No upper age limit
  • However, annual cover is available up to the age of 80 (65 for trips to the USA, Canada, Mexico, Caribbean, China, Hong Kong and Singapore)

DURATION OF COVER

  • N/A

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,500 for personal baggage (£300 single article limit and £500 valuables limit)
  • £50 excess
  • £500 for personal money (cash limit of £300)
  • £150 excess
  • Policy extras including golf cover and excess reduction are available

ACTIVITIES COVERED

  • Select activities, including boogie boarding, rambling, swimming and hot air ballooning

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will be asked basic medical questions when requesting a quote)


Staysure

POLICY

  • Single Trip Basic

COVERS*

  • Any country apart from those deemed unsafe by the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO). Will still be covered however if the country was deemed as safe at time of purchase

AGE

  • No upper age limit

DURATION OF COVER

  • Up to 104 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £5,000,000
  • £100 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £300 for baggage (£250 single article limit and £250 total for all valuables)
  • £85 excess
  • £300 for personal money and passport (£250 cash limit and £300 limit for passport)
  • £85 excess
  • Additional cover can be bought for gadgets and excess waivers

ACTIVITIES COVERED

  • Select activities, including canoeing, surfing, hiking and rock climbing

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition
  • Staysure offers personalised travel insurance policies that covers medical conditions / different ages

POLICY

  • Single Trip Comprehensive

COVERS*

  • Any country apart from those deemed unsafe by the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO). Will still be covered however if the country was deemed as safe at time of purchase

AGE

  • No upper age limit

DURATION OF COVER

  • Up to 104 days

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • Up to £10,000,000
  • £65 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,500 for baggage (£400 single article limit and £500 total for all valuables)
  • £65 excess
  • £500 for personal money and passport (£500 cash limit and £500 limit for passport)
  • £65 excess
  • Additional cover can be bought for gadgets and excess waivers

ACTIVITIES COVERED

  • Select activities, including canoeing, surfing, hiking and rock climbing

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition


Travel Insurance 4 Medical

POLICY

  • Economy Extra Single Trip & Annual Multi-Trip

COVERS*

  • United Kingdom
  • Europe, excluding or including Spain
  • Worldwide including or excluding USA, Caribbean & Canada
  • Australia & New Zealand

AGE

  • 17 – 75 years old

DURATION OF COVER

  • 31 days
  • Valid for 60 days if additional premium has been purchased

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £3,000,000
  • £150 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £750 in total
  • £200 for clothes and footwear
  • £100 for cosmetics and toiletries
  • £100 for luggage
  • £150 for electrical items and photographic equipment
  • £150 for jewellery and watches
  • £100 for buggies, strollers and car seats
  • £50 for eyewear
  • £150 for un-receipted items
  • £75 excess
  • Policy extras are available to purchase including excess waiver and gadget extension cover

ACTIVITIES COVERED

  • Select activities, including bungee jumping, canoeing/kayaking, hot air ballooning and trekking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will be asked basic medical questions when requesting a quote)
  • Select conditions, including any heart/circulatory condition, a stroke or high blood pressure, breathing conditions, any type of cancer and diabetes

POLICY

  • Standard Single Trip & Annual Multi-Trip

COVERS*

  • United Kingdom
  • Europe, excluding or including Spain
  • Worldwide including or excluding USA, Caribbean & Canada
  • Australia & New Zealand

AGE

  • 17 – 75 years old

DURATION OF COVER

  • 31 days
  • Valid for 60 days if additional premium has been purchased

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £5,000,000
  • £95 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,500 in total
  • £1,000 for clothes and footwear
  • £100 for cosmetics and toiletries
  • £100 for luggage
  • £200 for electrical items and photographic equipment
  • £200 for jewellery and watches
  • £100 for buggies, strollers and car seats
  • £125 for eyewear
  • £150 for un-receipted items
  • £95 excess

ACTIVITIES COVERED

  • Select activities, including bungee jumping, canoeing/kayaking, hot air ballooning and trekking.
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will be asked basic medical questions when requesting a quote)
  • Select conditions, including any heart/circulatory condition, a stroke or high blood pressure, breathing conditions, any type of cancer and diabetes

POLICY

  • Superior Single Trip & Annual Multi-Trip

COVERS*

  • United Kingdom
  • Europe, excluding or including Spain
  • Worldwide including or excluding USA, Caribbean & Canada
  • Australia & New Zealand

AGE

  • 17 – 75 years old

DURATION OF COVER

  • 31 days
  • Valid for 60 days if additional premium has been purchased

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £70 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,500 in total
  • £1,500 for clothes and footwear
  • £250 for cosmetics and toiletries
  • £250 for luggage
  • £250 for electrical items and photographic equipment
  • £250 for jewellery and watches
  • £100 for buggies, strollers and car seats
  • £100 for eyewear
  • £150 for un-receipted items
  • £70 excess

ACTIVITIES COVERED

  • Select activities, including bungee jumping, canoeing/kayaking, hot air ballooning and trekking.
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will be asked basic medical questions when requesting a quote)
  • Select conditions, including any heart/circulatory condition, a stroke or high blood pressure, breathing conditions, any type of cancer and diabetes


World First

POLICY

  • Economy Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £3,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £500 in total
  • £200 for clothes
  • £50 for luggage
  • £75 for shoes
  • £25 for cosmetics
  • £50 for fine jewellery and watches
  • £100 for electrical items and photographic equipment
  • £50 for eyewear
  • £50 for un-receipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages

POLICY

  • Classic Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,000 in total
  • £500 for clothes
  • £100 for luggage
  • £100 for shoes
  • £100 for cosmetics
  • £250 for fine jewellery and watches
  • £250 for electrical items and photographic equipment
  • £100 for eyewear
  • £150 for un-receipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages

POLICY

  • Standard Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £1,500 in total
  • £500 for clothes
  • £200 for luggage
  • £100 for shoes
  • £100 for cosmetics
  • £300 for fine jewellery and watches
  • £250 for electrical items and photographic equipment
  • £100 for eyewear
  • £150 for un-receipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages

POLICY

  • Premier Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,000 in total
  • £1,000 for clothes
  • £200 for luggage
  • £200 for shoes
  • £150 for cosmetics
  • £350 for fine jewellery and watches
  • £350 for electrical items and photographic equipment
  • £150 for eyewear
  • £150 for un-receipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages

POLICY

  • Superior Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £2,500 in total
  • £1,000 for clothes
  • £250 for luggage
  • £200 for shoes
  • £250 for cosmetics
  • £400 for fine jewellery and watches
  • £400 for electrical items and photographic equipment
  • £150 for eyewear
  • £150 for unreceipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages

POLICY

  • Exclusive Single Trip and Annual Multi-Trip

COVERS*

  • United Kingdom
  • Australasia
  • Europe, excluding or including Spain
  • Worldwide, excluding or including USA, Canada & Caribbean

AGE

  • Up to 100

DURATION OF COVER

  • No more than 31 days on any one trip under Annual Multi-Trip

MAXIMUM COVER FOR EMERGENCY MEDICAL EXPENSES

  • £10,000,000
  • £50 excess

MAXIMUM COVER IF POSSESSIONS ARE LOST, STOLEN OR DAMAGED

  • £3,000 in total
  • £1,500 for clothes
  • £250 for luggage
  • £250 for shoes
  • £250 for cosmetics
  • £500 for fine jewellery and photographic equipment
  • £250 for eyewear
  • £150 for unreceipted items
  • £50 excess

ACTIVITIES COVERED

  • Select activities, including bamboo rafting, pony trekking, snorkelling and hiking
  • Additional activities can be covered for an extra charge

ADDITIONAL INFORMATION

  • Medical screening necessary if traveller declares pre-existing condition (traveller will initially be asked to complete a medical declaration when requesting a quote)
  • World First offers personalised travel insurance policies that cover specific medical conditions / ages


INDEX

  • Travellers should note that travel insurers may not insure trips to countries against the advice of the FCO.
  • Travellers should also note some of the activities that are covered are restricted to conditions, for example, Ice skating is only covered if the ice skating takes place on an ice rink.
  • All information logged is based on individual Single Trip policies.
  • Medical screening: a series of questions about your medical health, which determines the cover each insurer can offer you. Dependent on insurance company, this may occur over the phone or online.

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