What does travel insurance actually cover me for?

At Travelinsurance.co.uk, our aim is to make sure that people understand what their travel insurance policy covers them for. So we’ve taken the terms and conditions for each of the different areas covered on our policies and come up with a summary of each. Click on an option below to find out more.

Medical and other expenses

What the terms and conditions say

We will pay any costs that are necessary and reasonable as a result of you being unexpectedly injured or ill during your trip. We will pay up to the amount shown in the table of benefits for the following:

  • Emergency medical, surgical and hospital treatment and ambulance costs
  • Emergency dental treatment (to immediately relieve pain only)
  • Returning your ashes or body to your home country, or for the cost of a funeral in the country
    where you die if it is outside your home country
  • Returning your ashes or body to your home if you die in your home country
  • Extra accommodation (room only) and travel expenses to allow you to return to your home country
    if you cannot return as originally booked
  • Extra accommodation (room only) for someone to stay with you and the costs for travelling home
    with you, if this is necessary due to medical advice
  • The costs for one relative or friend to travel from your home country to stay with you (room only)
    and travel home with you, if this is necessary due to medical advice

What this actually means

If you hurt yourself or get ill when you’re on holiday, the cost of your treatment will be covered. If you die, you’ll have cover for returning what’s left of you home, or for a funeral in the country you die in. If have to miss your flight home, we’ll help you with the cost of staying and travelling home later. If you’re really ill, we can even arrange for someone to come out and travel home with you.

Personal liability

What the terms and conditions say

We will pay up to the amount shown in the table of benefits if you are legally responsible for accidentally:

  • Injuring someone; or
  • Damaging or losing someone else’s property

What this actually means

If you get sued for injuring someone by accident, you’ll be covered on your travel insurance. You’ll also be covered if you damage or lose something they own (again, by accident).

Legal expenses

What the terms and conditions say

We will pay up to the amount shown in thetable of benefits for legal costs that result from dealing with claims for compensation and damages if you die, become ill or get injured during your trip.

What this actually means

If something happens to you on holiday and you decide to sue for compensation, you’ll have cover towards the fees and legal costs of doing this.

Cancelling & cutting short your holiday

What the terms and conditions say

If you have to cancel or cut short your trip, we will pay up to amount shown in the table of benefits for:

  • Travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back, including any local prepaid excursions, tours or activities; if it is necessary and you cannot avoid cancelling or cutting short your trip; and
  • Reasonable extra travel costs if it is necessary and you cannot avoid cutting short your trip.

What this actually means

If you really, really have to cancel your holiday, you’ll be able to get at least some of your money back for your trip. If you have to come home early, you’ll also be covered for extra travel costs.

Personal belongings & baggage

What the terms and conditions say

aWe will pay up to the amount shown in the table of benefits for the following:

  • After taking off an amount for wear, tear and loss of value, we will replace or pay for an item that you own that you have lost or that has been damaged or stolen. There is a limit for each item, set or pair, and for valuables as set out in the table of benefits
  • Buying essential items if your baggage is delayed during an outward journey for more than 12 hours
  • We will only pay up to the amount shown in the table of benefits for any cigarettes or alcohol lost, damaged or stolen

What this actually means

If something you own is lost, stolen or damaged while you’re on holiday, you’ll have cover towards the cost of replacing it. There’ll be a limit for how much you can claim for each item. Also, if you arrive at the airport and your baggage doesn’t, you’ll be covered for buying replacement items if it takes more than 12 hours to show up.

Personal money

What the terms and conditions say

We will pay up to the amount shown in the table of benefits if you lose or have cash or traveller’s cheques stolen. You must give us proof that you owned them and proof of their value (this includes receipts, bank statements and cash-withdrawal slips). We will only pay up to the amount shown in the table of benefits for any money lost or stolen from a beach or side of a pool.

What this actually means

If your cash or traveller’s cheques are lost or stolen while you’re on holiday, you’ll be covered towards the cost of replacing them. You must be able to prove they existed in the first place however, such as with a cash-withdrawal slip. The limit differs if your money is stolen on the beach or by the side of a pool.

Passports & travel documents

What the terms and conditions say

We will pay up to the amount shown in the table of benefits for the cost of replacing the following:

  • If your passport is lost or stolen during a trip (as long as this is outside the country you departed from), we will pay reasonable additional travel and accommodation expenses you are charged abroad to apply for a replacement passport. We do not cover the replacement cost of the passport itself
  • Travel tickets
  • Green Cards
  • Visas
  • Prepaid accommodation vouchers
  • Prepaid car-hire vouchers
  • Prepaid excursion vouchers that you lose or that are stolen or damaged

What this actually means

If you lose your passport, or it gets stolen, while you’re on holiday we will pay towards the extra travel and accommodation expenses you have to pay while you’re applying for a new one. We don’t cover the cost of replacing the passport itself, but we do provider cover towards replacing other travel documents, like Green Cards and visas.

Abandoning your holiday

What the terms and conditions say

If you have to cancel your outward trip as a result of a delay lasting more than 12 hours where the delay has been caused by a strike or industrial action, poor weather conditions or a mechanical breakdown, we will pay for your unused travel and accommodation expenses, including any local prepaid excursions, tours or activities, up to the amount shown in the table of benefits less any amount that you can get back.

What this actually means

If you decide not to continue with your trip because of a delay, you’ll be covered for costs that you would otherwise lose out on. The delay has to be more than 12 hours long, on your original departure journey and because of either a strike, industrial action, bad weather or a mechanical breakdown.

Delayed departure

What the terms and conditions say

If the first part of your booked outward or final return international journey (by aircraft, ship, cruise ship, coach or cross-channel train) is delayed because of a strike or industrial action, poor weather conditions or a mechanical breakdown we will pay up to the amount shown in the table of benefits. You must be delayed by more than 12 hours. We will pay for each full 12 hour period you are delayed (up to the amount shown in the table of benefits), as long as you eventually go on the trip.

What this actually means

If your trip is delayed, you’ll receive a payment for each 12 hour period the delay lasts for. The delay must be due to a strike, industrial action, bad weather or mechanical breakdown, and you must go on the trip eventually.

Missed departure

What the terms and conditions say

We will pay up to the amount shown in the table of benefits for the extra reasonable costs of travel and accommodation you need to continue your trip if you cannot reach the original departure point of your trip on the outward or final return journey. This can be because of public transport services failing (due to poor weather conditions, a strike, industrial action or a mechanical breakdown) or the vehicle you are travelling in being involved in an accident or having a mechanical breakdown. This would not include your vehicle running out of petrol, oil or water, having a flat tyre, puncture or flat battery.

What this actually means

If you are delayed on the way to the airport and end up missing your flight, you could be covered towards the cost of another flight. The delay must be because of bad weather, a strike industrial action or a mechanical breakdown if you’re travelling by public transport, or because of an accident or breakdown if you’re using your own car.

Scheduled airline failure

What the terms and conditions say

We will pay up to £1,000 for the irrecoverable loss of:

  • Unused flight ticket charges paid for a scheduled airline flight associated with your trip that are not refundable and which were incurred before your departure date if you have to cancel your trip or if you have already completed the outward journey
  • The extra cost of a one way airfare of a standard no greater than the class of journey on the outward journey of your trip as a result of the insolvency or financial failure of the airline on which you are booked to travel causing the flight (flights) on which your trip depends that were subject to advanced booking being discontinued and you not being offered from any other source any reasonable alternative flight or refund of charges you have already paid

What this actually means

If you are booked to travel on a scheduled flight and the airline fails, you’ll be covered up to £1,000 towards the cost of refunding your ticket. If the airline goes bust while you are away, you’ll also have £1,000 cover towards the cost of an alternative flight home.

Supplier insolvency

What the terms and conditions say

We will pay up to £1,500 for irrecoverable loss of unused prepaid expenses as a result of insolvency or financial failure of any company for the following services associated with your trip booked independently by you that have not been supplied as part of a tour operator’s package:

  • Short let holiday accommodation providers (including hotels)
  • Car hire operators
  • Ferry operators
  • Coach operators
  • Train operators

What this actually means

If you book additional services, such as a hire car, for your holiday and the company you’ve booked with goes bust, you’ll be covered up to £1,500 towards a refund.

Personal accident

What the terms and conditions say

We will pay you or your executors or administrators up to the amount shown in the table of benefits if you are involved in an accident during your trip which causes you an injury, and this accident is the only thing that results in you becoming disabled within 12 months of the date of the accident. We will pay for the following:

  • Your permanent total disability
  • Losing one or more of your limbs (a permanent loss at or above the wrist or ankle)
  • Irrecoverable loss of sight in one or both eyes for a period of at least 12 months
  • If you die, we will pay the amount shown in the table of benefits

What this actually means

If you have a serious accident on holiday that causes you permanent damage, like losing a limb or your sight, you’ll receive financial compensation. We’ll also pay a lump sum if you die abroad.

Hospital benefit

What the terms and conditions say

We will pay up to the amount shown in the table of benefits if, after an accident or illness that is covered under Medical and other expenses of this policy, you go into hospital as an inpatient outside your home country. Your benefit will end if you go into hospital when you return to your home country.

We pay the benefit to you for each complete 24 hour that you are kept as an inpatient. This amount is meant to help you pay extra costs such as taxi fares and phone calls.

What this actually means

If you’re stuck in hospital abroad, we can help you pay for things other than the treatment itself, like taxi fares and phone calls.

Hijack

What the terms and conditions say

We will pay £50 for each full 24 hour period if the aircraft or ship you are travelling in is hijacked (on the original journey you booked) for more than 24 hours.

We will only pay up to the amount shown in the table of benefits.

What this actually means

If the plane or ship you’re travelling on is hijacked for more than 24 hours, you’ll be covered on our Premium policy.

Catastrophe

What the terms and conditions say

We will pay up to the amount shown in the table of benefits for the cost you pay, or agree to pay overseas, for travel expenses and providing other similar accommodation to allow you to continue with your holiday or journey. We will only do this if you cannot reach or cannot live in your booked accommodation because of a fire, flood, earthquake, storm, lightning, explosion, hurricane or a major outbreak of an infectious disease.

What this actually means

If a major incident prevents you from staying in your booked accommodation, you’ll have cover towards the cost of continuing your holiday elsewhere. This must be due to one of the following reasons:

  • Fire
  • Flood
  • Earthquake
  • Storm
  • Lightning
  • Explosion
  • Hurricane
  • Major outbreak of infectious disease