What is Car Hire Excess? Abandonment? Car and Home Excess? Scheduled Airline Failure? What does it mean and do you need it? All too often policies are listed with many benefits that seem important, but are they important to you? Or should you be searching for a policy that gives you exactly the cover you really need?
To help you make the right choice for insurance, we've created a pictoral guide for every type of cover available with Travel Insurance. Every Policy That's Insurance have reviewed and can be searched, has a Full Details section that explains in detail, what is and is not covered, or offered as an option on the policy. For ease of reference, we have created a range of icons as a visual guide and at the bottom of the Compare Policies page, you will see a full list, with Info 'i' clickable pop ups, explaining what that particular policy cover is for.
When searching and selecting your favourite policies to compare, you will see these icons listed by the cover offered on that policy. Next to it will either be the amount covered - or if optional cover - a yes/no answer as to whether you can buy this as an 'add on'.
A benefit payment if you abandon your trip because your departure is delayed for more than 12 hours due to strike, industrial action, adverse weather, mechanical or technical fault.
The amount to cover accessories
Vet's fees in respect of accidents to your pet. Normally a fixed limit and restricted to 12 months.
The maximum cost paid to cover accidental damage of your gadget
The cost of accidental damage to property (not owned by you) caused directly by your pet.
The maximum cost paid to cover accidental loss of your gadget
The cost of advertising and a reward to assist with the return of your pet.
An amount to cover the accidental loss, theft or damage to your personal possessions whilst on a trip.
The cost of replacing essential items, if your baggage has been delayed by more than 12 hours.
The maximum cost paid to cover breakdown of your gadget
Covers the cost of burial or cremation of a deceased Insured person abroad. Alternatively, the cost of repatriation.
Covers accidental loss, theft or damage to business equipment, goods or samples. The cost of a replacement employee. The cost to hire replacement business equipment. The loss or theft of business money.
If a trip has to be cancelled for a variety of reasons, for example death, injury, illness, compulsory quarantine, government evacuation.
Covers the cost of any excess payable on your car or home insurance, following a claim for loss, damage or theft to your home or car, whilst you are on holiday.
This is the limit of any Cash Amount
The age of your pet when co-insurance commences
The percentage amount you have to pay towards any claim.
Treatments such as: Acupuncture, chiropractic manipulation, herbal medicine, homeopathy, hydrotherapy and osteopathy.
A helpline service to assist with all kinds of travel problems, Visas, Vaccinations, currencies, travellers cheques, stolen credit cards, translation services, emergency money, tracing lost luggage.
The cost to cover disposal of your pet body including Cremation
The percentage payable in addition to any fixed excess
Covers missed port departure, cabin confinement, itinerary change, unused excursions and Cruise Interruption.
The cost to cover CT/MRI Scans
If a trip has to be cut short for a variety of reasons, for example death, injury, illness, compulsory quarantine, government evacuation.
The price you paid for your pet if it dies, or has to be put to sleep due to an injury.
The price you paid for your pet if it dies, or has to be put to sleep due to an illness.
A benefit payment if your departure is delayed for more than 12 hours due to strike, industrial action, adverse weather, mechanical or technical fault.
The cost of dental work caused by accident or illness to your pet
The cost of boarding your pet or a pet minding service, if you become hospitalised.
Covers the cost of necessary temporary treatment or the immediate relief of pain and/or emergency repairs to dentures.
Following an injury or illness to your pet, the additional costs to get your pet home from outside the UK.
Normally up to the vet fees limit, covering emergency vet fees, whilst you and your pet are abroad.
The cost of having your pet put to sleep
An amount payable to recover sums paid in advance, in the event your scheduled airline or end supplier of travel arrangements, become insolvent. Some Insurers exclude arrangements forming part of an inclusive holiday.
A payment to cover the value or, or repair to gadgets, which are lost, stolen, damaged or destroyed. Gadgets are items that may not covered under the baggage section of the policy, like Mobiles, Laptops, Sat Nav’s, PDA’s etc.
Covers accidental loss, theft or damage to your golf equipment. The additional hire of replacement golf equipment, loss of green fees and hole in one.
A benefit payment made for unlawful seizure of the conveyance in which you are travelling as a passenger
Unrecoverable costs if you have to cut short or cancel your holiday because your pet goes missing, or needs life saving treatment.
A benefit payment made for each 24 hours period that you spend in a foreign hospital.
A payment to cover additional kennel or cattery fees if departure of your return journey is delayed between 12 and 24 hours (depending on the Insurer), as a result of strike, industrial action, adverse weather, mechanical or technical fault. Some Insurers also include cover for illness or injury to a pet whilst you are away.
Legal costs, enabling you to pursue a civil action for compensation regarding any incident that results in bodily injury, death or illness, caused by a third party during your journey.
Vet's fees in respect of accident or illness to your pet. Normally an overall maximum benefit amount, which can be renewed annually.
Vet's fees in respect of accident or illness to your pet. Normally an amount per condition per year, which can be renewed annually.
The maximum cost paid to cover water damage of your gadget
The cost of replacing your pet passport, if it becomes lost or stolen.
Maximum Benefit for all claims under the policy
Vet's fees in respect of accident or illness to your pet. Normally a maximum benefit per condition, used until that limit has been reached.
Vet's fees in respect of accident or illness to your pet. Normally an overall maximum benefit amount and restricted to 12 months.
To pay emergency medical costs caused by unforeseen events such as accidents, illness or disease.
A benefit payment to cover reasonable additional accommodation or travel expenses, because of missed departure due to failure or public transport, accident or breakdown of the vehicle you were travelling in, strike, industrial action or adverse weather conditions.
A benefit payment in the event of a violent attack on you, with a view to theft, by person(s) not known to you.
An amount payable to cover additional travel expenses, the cost of providing alternative accommodation, to allow you to continue your holiday or journey because of Fire, Flood, Earthquake, storm, lightning, explosion, hurricane or outbreak of an infectious disease. In additional, some Insurers will cover the cancellation or abandonment of your holiday.
Vet's fees in respect of accident or illness to your pet. Normally a fixed amount per condition and restricted to 12 months.
A lump sum payment made in the event of death, loss of a limb, loss of sight or permanent disablement.
The cost of lost income if you miss work as a result of being bitten by your pet.
Cover against you accidentally injuring a third party, damaging or losing their property.
An amount to cover accidental loss or theft of your personal money.
Pet food for medical conditions, obtainable only with a prescription from your vet.
Costs if your pet needs to be quarantined, due to a new illness, failure of their micropchip, or pet passport being lost or stolen.
An amount of money provided to fly your body home.
This covers you in the event of an insolvent airline.
An amount payable to cover the cost of search and rescue.
The maximum amount an Insurer will pay out for an individual item.
The maximum cost paid to cover any one single item
The maximum cost paid to cover theft of your gadget
The price you paid for your pet if it is stolen, or goes missing and does not return within 30 days.
The costs for which you are legally responsible for property damage, death, injury or illness involving your dog.
The fixed amount you have to pay towards any Third party Liability Claim.
The same as Natural Disaster cover, that also includes end supplier and scheduled airline failure cover.
The maximum cost paid to cover unauthorized use of your gadget
The maximum amount an Insurer will pay in total for valuables. Valuables are items such as watches, jewellery etc. May or may not cover mobile phones.
The fixed amount you have to pay towards any claim.
Covers loss or damage to wedding rings, photographs, video, wedding gifts, wedding clothes.
Covers accidental loss, theft or damage to your ski equipment. Additional hire of replacement ski equipment. Cancellation of Ski school, lift passes and Piste Closure and or Avalanche delay. Some Insurers include search and rescue cover.
A compensation payment if you suffer withdrawal of water or electricity supplies at your booked accommodation.