?>

Travel Insurance Cover Explained

Travel Insurance Cover Explained

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'. If you need help searching for a policy, see our help page video here or go over to our forum and see the help guide

Cover Type Icon

Abandonment

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.

Cover Type Icon

Accident Only

Vet's fees in respect of accidents to your pet. Normally a fixed limit and restricted to 12 months.

Cover Type Icon

Accidental Damage to Property

The cost of accidental damage to property (not owned by you) caused directly by your pet.

Cover Type Icon

Advertising and Reward

The cost of advertising and a reward to assist with the return of your pet.

Cover Type Icon

Baggage

An amount to cover the accidental loss, theft or damage to your personal possessions whilst on a trip.

Cover Type Icon

Baggage Delay

The cost of replacing essential items, if your baggage has been delayed by more than 12 hours.

Cover Type Icon

Burial or Cremation

Covers the cost of burial or cremation of a deceased Insured person abroad. Alternatively, the cost of repatriation.

Cover Type Icon

Business

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.

Cover Type Icon

Cancellation

If a trip has to be cancelled for a variety of reasons, for example death, injury, illness, compulsory quarantine, government evacuation.

Cover Type Icon

Car and Home Excess

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.

Cover Type Icon

Cash Limit

This is the limit of any Cash Amount

Cover Type Icon

Co-Insurance age

The percentage payable in addition to any fixed excess

Cover Type Icon

Co-Insurance Percentage up to

The percentage amount you have to pay towards any claim.

Cover Type Icon

Complimentary Treatment

Treatments such as: Acupuncture, chiropractic manipulation, herbal medicine, homeopathy, hydrotherapy and osteopathy.

Cover Type Icon

Concierge Cover

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.

Cover Type Icon

Cremation

The cost to cover disposal of your pet body including Cremation

Cover Type Icon

Cruciate Ligament Rupture

The costs to repair damage to the Cruciate Ligament

Cover Type Icon

Cruise

Covers missed port departure, cabin confinement, itinerary change, unused excursions and Cruise Interruption.

Cover Type Icon

CT/MRI Scans

The cost to cover CT/MRI Scans

Cover Type Icon

Curtailment

If a trip has to be cut short for a variety of reasons, for example death, injury, illness, compulsory quarantine, government evacuation.

Cover Type Icon

Death from Accident

The price you paid for your pet if it dies, or has to be put to sleep due to an injury.

Cover Type Icon

Death from Illness

The price you paid for your pet if it dies, or has to be put to sleep due to an illness.

Cover Type Icon

Delayed Departure

A benefit payment if your departure is delayed for more than 12 hours due to strike, industrial action, adverse weather, mechanical or technical fault.

Cover Type Icon

Dental

The cost of dental work caused by accident or illness to your pet

Cover Type Icon

Emergency Boarding Fees

The cost of boarding your pet or a pet minding service, if you become hospitalised.

Cover Type Icon

Emergency Dental Treatment

Covers the cost of necessary temporary treatment or the immediate relief of pain and/or emergency repairs to dentures.

Cover Type Icon

Emergency Repatriation

Following an injury or illness to your pet, the additional costs to get your pet home from outside the UK.

Cover Type Icon

Emergency Vet Expenses

Normally up to the vet fees limit, covering emergency vet fees, whilst you and your pet are abroad.

Cover Type Icon

Euthanasia

The cost of having your pet put to sleep

Cover Type Icon

Financial Failure

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.

Cover Type Icon

Gadget Cover

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.

Cover Type Icon

Golf

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.

Cover Type Icon

Hijack/Kidnap

A benefit payment made for unlawful seizure of the conveyance in which you are travelling as a passenger

Cover Type Icon

Holiday Cancellation

Unrecoverable costs if you have to cut short or cancel your holiday because your pet goes missing, or needs life saving treatment.

Cover Type Icon

Hospital Benefit

A benefit payment made for each 24 hours period that you spend in a foreign hospital.

Cover Type Icon

Kennel/Cattery

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.

Cover Type Icon

Legal Expenses

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.

Cover Type Icon

Lifetime Maximum Benefit

Vet's fees in respect of accident or illness to your pet. Normally an overall maximum benefit amount, which can be renewed annually.

Cover Type Icon

Lifetime Per Condition

Vet's fees in respect of accident or illness to your pet. Normally an amount per condition per year, which can be renewed annually.

Cover Type Icon

Loss of Pet Passport

The cost of replacing your pet passport, if it becomes lost or stolen.

Cover Type Icon

Maximum Benefit Per Condition

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.

Cover Type Icon

Maximum Benefit Time Limited

Vet's fees in respect of accident or illness to your pet. Normally an overall maximum benefit amount and restricted to 12 months.

Cover Type Icon

Medical Expenses

To pay emergency medical costs caused by unforeseen events such as accidents, illness or disease.

Cover Type Icon

Missed Departure

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.

Cover Type Icon

Mugging

A benefit payment in the event of a violent attack on you, with a view to theft, by person(s) not known to you.

Cover Type Icon

Natural Disaster

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.

Cover Type Icon

Per Condition Time Limited

Vet's fees in respect of accident or illness to your pet. Normally a fixed amount per condition and restricted to 12 months.

Cover Type Icon

Personal Accident

A lump sum payment made in the event of death, loss of a limb, loss of sight or permanent disablement.

Cover Type Icon

Personal Accident (Pets)

The cost of lost income if you miss work as a result of being bitten by your pet.

Cover Type Icon

Personal Liability

Cover against you accidentally injuring a third party, damaging or losing their property.

Cover Type Icon

Personal Money

An amount to cover accidental loss or theft of your personal money.

Cover Type Icon

Prescribed Food

Pet food for medical conditions, obtainable only with a prescription from your vet.

Cover Type Icon

Quarantine Expenses

Costs if your pet needs to be quarantined, due to a new illness, failure of their micropchip, or pet passport being lost or stolen.

Cover Type Icon

Repatriation Cover

An amount of money provided to fly your body home.

Cover Type Icon

Scheduled Airline Failure

This covers you in the event of an insolvent airline.

Cover Type Icon

Search and Rescue

An amount payable to cover the cost of search and rescue.

Cover Type Icon

Single Article Limit

The maximum amount an Insurer will pay out for an individual item.

Cover Type Icon

Theft or Straying

The price you paid for your pet if it is stolen, or goes missing and does not return within 30 days.

Cover Type Icon

Third Party Liability

The costs for which you are legally responsible for property damage, death, injury or illness involving your dog.

Cover Type Icon

Third Party Liability Excess

The fixed amount you have to pay towards any Third party Liability Claim.

Cover Type Icon

Travel Disruption

The same as Natural Disaster cover, that also includes end supplier and scheduled airline failure cover.

Cover Type Icon

Valuables Limit

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.

Cover Type Icon

Vet Fees Excess

The fixed amount you have to pay towards any claim.

Cover Type Icon

Waiting Period Illness

The period before you can claim for illness to your pet

Cover Type Icon

Waiting Period Injury

The period before you can claim for injury to your pet

Cover Type Icon

Wedding

Covers loss or damage to wedding rings, photographs, video, wedding gifts, wedding clothes.

Cover Type Icon

Wintersports

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.

Cover Type Icon

Withdrawal of Services

A compensation payment if you suffer withdrawal of water or electricity supplies at your booked accommodation.

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.