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


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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.

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Accessories

The amount to cover accessories

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Accident Only

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

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Accident Only

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

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Accidental Damage Benefit

The maximum cost paid to cover accidental damage of your gadget

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Accidental Damage to Property

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

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Accidental Loss Benefit

The maximum cost paid to cover accidental loss of your gadget

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Advertising and Reward

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

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Advertising and Reward

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

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Baggage

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

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Baggage Delay

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

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Breakdown Benefit

The maximum cost paid to cover breakdown of your gadget

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Burial or Cremation

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

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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.

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Cancellation

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

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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.

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Cash Limit

This is the limit of any Cash Amount

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Co-Insurance age

The age of your pet when co-insurance commences

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Co-Insurance Percentage up to

The percentage amount you have to pay towards any claim.

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Complimentary Treatment

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

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Complimentary Treatment

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

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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.

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Cremation

The cost to cover disposal of your pet body including Cremation

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Cruciate Ligament Rupture

The percentage payable in addition to any fixed excess

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Cruise

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

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CT/MRI Scans

The cost to cover CT/MRI Scans

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Curtailment

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

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Death from Accident

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

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Death from Accident

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

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Death from Illness

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

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Death from Illness

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

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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.

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Dental

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

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Dental

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

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Disposal

The price for disposal of a dead animal

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Emergency Boarding Fees

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

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Emergency Dental Treatment

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

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Emergency Repatriation

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

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Emergency Vet Expenses

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

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Euthanasia

The cost of having your pet put to sleep

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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.

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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.

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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.

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Hijack/Kidnap

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

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Holiday Cancellation

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

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Hospital Benefit

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

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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.

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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.

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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.

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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.

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Liquid Damage Benefit

The maximum cost paid to cover water damage of your gadget

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Loss of Pet Passport

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

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Maximum Benefit Overall

Maximum Benefit for all claims under the policy

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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.

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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.

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Maximum Benefit Time Limited

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

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Medical Expenses

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

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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.

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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.

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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.

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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.

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Per Condition Time Limited

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

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Personal Accident

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

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Personal Accident

The cost of lost income if you miss work as a result of an injury to yourself by your horse.

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Personal Accident (Pets)

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

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Personal Liability

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

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Personal Money

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

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Prescribed Food

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

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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.

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Repatriation Cover

An amount of money provided to fly your body home.

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Scheduled Airline Failure

This covers you in the event of an insolvent airline.

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Search and Rescue

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

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Single Article Limit

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

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Single Item Limit

The maximum cost paid to cover any one single item

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Theft Benefit

The maximum cost paid to cover theft of your gadget

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Theft or Straying

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

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Theft or Straying

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

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Third Party Liability

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

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Third Party Liability

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

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Third Party Liability Excess

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

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Third Party Liability Excess

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

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Travel Disruption

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

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Unauthorized Useage

The maximum cost paid to cover unauthorized use of your gadget

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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.

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Vet Fees Excess

The fixed amount you have to pay towards any claim.

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Wedding

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

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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.

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Withdrawal of Services

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