Backpacker Insurance | Annual Holiday Insurance

Cancellation: £1,500
Medical Expenses: £3,000,000
Baggage: £1,000
Personal Accident: £40,000
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Benefit	Cover (Up to) (per insured person)	Excess (per insured person)
Cancellation, Curtailment or Rearrangement	£1,500	£125
Emergency Medical and other Expenses*	£3,000,000	£125
Personal Accident*	£40,000	N/A
Baggage and Passport	£1,000	£125
Personal Money and Documents	£250	£125
Personal Liability*	£2,500,000	£200
Missed Departure	£500	£125
Student Loans	£1,000	£125
Loss of Earnings	£750	£125
Programme Costs	£750	£125
Resumption of Journey	£250	£125
Inter Rail Tickets	£250	£125
Government Travel advice	£500	£125
Tropical Disease Screening & Protection	£200	£125
Delayed Departure	£150(£15 for each 12hrs)	N/A
Holiday Abandonment	£1500(after 24hrs)	£125
Third Party Supplier Insolvency	N/A	N/A
Credit Card Fraud	£250	£125
Overseas Legal Expenses and Assistance	£10,000	£200
Schedule Airline Failure	N/A	N/A
WINTER SPORTS (Available upon payment of additional premium)
Ski Equipment*	£300	£125
Ski Hire*	£300 (£30 per day)	N/A
Ski Pack*	£300 (£30 per day)	N/A
Piste Closure*	£400 (£40 per day)	N/A
Avalanche Closure*	£400	£125
*You are not covered under these sections for Winter Sport activities unless an additional premium has been paid and shown on the validation certificate.
This is a summary guide only. Please refer to the policy wording for full terms and conditions.
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Cover from

Cancellation: £2,500
Medical Expenses: £6,000,000
Baggage: £1,500
Personal Accident: £40,000
Select Cover

View full Summary of Benefits & Excess

Benefit	Cover (Up to) (per insured person)	Excess (per insured person)
Cancellation, Curtailment or Rearrangement	£2,500	£75
Emergency Medical and other Expenses*	£6,000,000	£75
Personal Accident*	£40,000	N/A
Baggage and Passport	£1,500	£75
Personal Money and Documents	£350	£75
Personal Liability*	£3,000,000	£200
Missed Departure	£750	£75
Student Loans	£2,000	£75
Loss of Earnings	£1,000	£75
Programme Costs	£1,500	£75
Resumption of Journey	£500	£75
Inter Rail Tickets	£500	£75
Government Travel advice	£1,000	£75
Tropical Disease Screening & Protection	£250	£75
Delayed Departure	£250(£25 for each 12hrs)	N/A
Holiday Abandonment	£2,500(after 24hrs)	£75
Third Party Supplier Insolvency	N/A	N/A
Credit Card Fraud	£750	£75
Overseas Legal Expenses and Assistance	£15,000	£200
Schedule Airline Failure	N/A	N/A
WINTER SPORTS (Available upon payment of additional premium)
Ski Equipment*	£400	£75
Ski Hire*	£400 (£40 per day)	N/A
Ski Pack*	£500 (£50 per day)	N/A
Piste Closure*	£500 (£50 per day)	N/A
Avalanche Closure*	£500	£75
*You are not covered under these sections for Winter Sport activities unless an additional premium has been paid and shown on the validation certificate.
This is a summary guide only. Please refer to the policy wording for full terms and conditions.
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Menu	Premier popular choice	Premier Plus best cover available
Insurance Price	£	£
Cancellation We will pay your unrecoverable holiday/trip cost, up to the limits as stated on the policy, if you need to cancel or curtail your trip due to an insured reason. Please refer to your policy wording for full terms and conditions.	£1,500	£2,500
Medical Expenses We will pay for your hospital bills and repatriation if necessary, up to the limits as stated on the policy, should you be injured or fall ill during your trip. In addition, we will pay (up to the amount specified in the policy wording) for emergency dental treatment. Please refer to your policy wording for inner limit details and full terms and conditions.	£3,000,000	£6,000,000
Baggage We will pay you if your baggage or personal effects are lost, stolen or damaged during your holiday/trip, up to the limits as stated on the policy. Please note that there is a single item and valuables limit. Please refer to your policy wording for inner limit details and full terms and conditions.	£1,000	£1,500
Personal Accident We will pay you or your estate, up to the limits as stated on the policy, if you suffer death, Loss of Sight or Limbs or Permanent Total Disablement during your trip. Please refer to your policy wording for inner limit details and full terms and conditions.	£40,000	£40,000
Supplier Insolvency We will pay you up to the limits as stated in the policy in respect of the insolvency of non bonded third party suppliers such as accommodation providers, car hire companies, coach companies its. Please refer to your policy wording for full terms and conditions.	N/A	N/A
Missed Departure We will pay you additional costs incurred in getting to your destination, up to the limits as stated on the policy, if you miss your international point of departure for any insured reason. Please refer to your policy wording for full terms and conditions.	£500	£750
Delayed Departure We will pay you up to the limits stated on the policy, if the first part of your booked outward journey or return international journeys is delayed by 12 hours or more, due to a strike or industrial action, poor weather conditions or mechanical breakdown. Please refer to your policy wording for full terms and conditions.	£150	£250
Loss of Earnings We will pay you up to the amount shown on the policy schedule for loss of earnings resulting from you being hospitalised as an inpatient whilst overseas for a person of five consecutive wording days during your trip resulting in you being unable to attend your place of work. Please refer to your policy wording for full terms and conditions.	£750	£1,000
Policy Claims Excess Under most sections of the policy, claims will be subject to an Excess. This means that you will be responsible for paying the first part of each claim, per section, for each separate incident, payable for each Insure Person, unless the additional premium has been paid to waive the Excess as shown in the validation certificate.	£125	£75
	Economy Price No handling fee applies Total Premium (including 5% Govt Levy) £17.99 Select Premier Price Total Premium (including 5% Govt Levy) £ Select Premier Plus Price Total Premium (including 5% Govt Levy) £ Select

View full Summary of Benefits & Excesses

Economy Price

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