ANNUAL / MULTI-TRIP INSURANCE.

Annual / Multi-Trip Insurance is provided by cover4travel.com which is a trading style of UK & Ireland insurance Services (Online) Limited.

HOW MUCH DOES IT COST?

All premiums listed below are based on standard cover with no pre-existing medical conditions.

A couple is defined as any couple (including same sex) in a common law realtionship or who have co-habitated for at least 6 months.

A family is definied as 2 adults aged 18-54 , plus up to 4 of their dependent children, aged under 18 at time of purchasing this policy, who are in full time education.

TYPE EUROPE WORLDWIDE
Adult (under 55) £27·84 £36·76
Couple (under 55) £35·00 £46·20
Family (under 55) £38·17 £50·40

WHAT'S COVERED?

SCHEDULE OF BENEFITS
SECTIONSILVERGOLDPLATINUM
Cover LimitExcessCover LimitExcessCover LimitExcess
Cancellation & CurtailmentNo CoverNil£750£65£3,000£65
ExcursionsNo CoverNil£100£65£200£65
CatastropheNo CoverNilUp to £150NilUp to £300Nil
Emergency Medical Expenses£2,000,000£100£5,000,000£100£10,000,000£100
Emergency dental treatment£200£100£200£100£200£100
Burial Costs/Body Repatriation£5,000Nil£5,000Nil£5,000Nil
Repatriation£500,000£100£1,000,000£100£2,000,000£100
Hospital BenefitNo CoverNil£25 for each complete 24hr period up to £500Nil£25 for each complete 24hr period up to £2,000Nil
Personal PossessionsNo CoverNil£500£65£2,000£65
Single item limit£100£150
Valuables limitNo Cover£200
Travel DocumentsNo CoverNil£100£65£300£65
Baggage DelayNo CoverNilNo CoverNil£150Nil
Personal MoneyNo CoverNil£100£65£150£65
Cash Limit
Cash (Insured aged under 18)£50£50
Personal Accident£10,000Nil£10,000Nil£25,000Nil
Loss of Limbs or Sight£10,000£10,000£25,000
Permanent Total Disablement£10,000£10,000£25,000
Death (Insured aged 16+)£5,000£5,000£5,000
Death (Insured aged under 16)£1,000£1,000£1,000
Missed DepartureNo CoverNil£500£65£1,000£65
Delayed DepartureNo CoverNil£10 for each full 12hr delay up to £150Nil£20 for each full 12hr delay up to £300Nil
Holiday AbandonmentNo CoverNil£750£65£3,000£65
Personal Liability£500,000£250£1,000,000£250£2,000,000£250
Legal ExpensesNo CoverNil£15,000Nil£15,000Nil
Repeat CoverNo CoverNilNo CoverNilNo CoverNil
Curtailment Worldwide
Resuming the trip Worldwide
Curtailment Europe
Resuming the trip Europe
Scheduled Airline FailureNo CoverNilNo CoverNil£3,000£65

WHERE GOES COVER APPLY?get a quote

You choose your area of travel from:

  • Europe
  • Australia & New Zealand
  • Worldwide

WHAT ARE THE GEOGRAPHICAL / TERRITORIAL LIMITS?

Europe

The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland the Azores, Mediterranean Islands and Non- European countries bordering the Mediterranenan (except Algeria, Lebanon, Libya and Israel).

Australia & New Zealand

If the insured travels on a non-direct flight  to Australia or New Zealand, the Insurer will automatically provide worldwide cover for up to 48 hours for any stopovers made during the booked flight to or from Australia or New Zealand. 

Worldwide

All Countries including the USA & Canadaget a quote

WHO CAN TAKE OUT THIS POLICY?

Individual / Couple annuals policy any UK resident(s) aged 54 or younger at time of purchase.

Family 2 adults aged 54 or younger at time of purchase, plus up to 4  of their dependent children, aged  under 18 at time of purchasing this policy, who are in full time education.

get a quote

If you are aged over 54 please contact cover4travel directly on 0844 826 2031* as they can provide policies up to 74

WHAT HAZARDOUS SPORTS & ACTIVITIES CAN I GET COVER FOR?

At cover 4 travel insurance we offer international medical insurance and cover for many adventure sports such as jet skiing, scuba diving and many more.

If that isn't enough cover for you, you can also add Business & Golf Cover.  

Please select the highest level sport/ activity you will be participating in while you are on holiday.

Please note: If you select a sport in Grade 3 and pay the additional premium to cover that sport then you are automatically covered for all Sports & Activities in that category and those in Grades 2 & 1.

  • Grade 1 – Standard premium.
  • Grade 2 – 50% load to the standard premium (For example standard premium of £34.85*1.5= £52.28).
  • Grade 3 – 100% load to the standard premium (For example standard premium of £34.85*2= £69.70).
  • Grade 4 – 200% load to the standard premium (For example standard premium of £34.85*3= £104.55)get a quote

NOT LOOKING FOR AN ANNUNAL MUTI TRIP INSURANCE
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