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Perfect for: short breaks around Europe and Worldwide.
For individuals, couples and families who wish to travel on a single trip for business and/or leisure and require high levels of cover, including medical, baggage and cancellation while travelling in the UK & Europe, and Worldwide. Available up to age 79 years inclusive. Trip length is limited to 93 days.
Perfect for: European multi-trips. The essential annual insurance for you and your family.
For individuals, couples and families who wish to travel within Europe for leisure purposes only on multiple trips in a year and require economical protection. Available up to age 65 years inclusive.
Perfect for: multi-trips around Europe and Worldwide, with cover for 31 consecutive days, up to 183 days a year.
For individuals, couples and families who wish to travel on multiple trips in a year and require high levels of cover including medical, baggage and cancellation while travelling in the UK & Europe, and Worldwide for business or leisure purposes. Annual Select allows your family to be covered, when either traveling with you, or individually.
European cover is available up to the age of 79. Worldwide cover (including N. America and the Caribbean) is available up to age 69 years inclusive.
Perfect for: longer trips anywhere in the world, with the highest levels of cover, including cancellation cover up to £12,500 per person, per trip and up to 120 consecutive days cover.
Additional benefits include international car hire cover, cover for business and leisure trips and family members, including children up to the age of 21 can travel independently. Allowing your family to be covered, when either traveling with you, or individually.
Available up to age 69 years inclusive for Worldwide cover, and up to 79 years for European cover.
Perfect for: Gap years, sabbaticals, career breaks and extended travelling around Europe and Worldwide for up to 24 months.
For individuals, couples and families who wish to travel and stay abroad for longer periods of time for 3, 4, 6, 9, 12, 13, 15, 18, 20 or 24 months and require high levels of cover. This policy can be bought on a Worldwide or European basis and allows a 14 day return to the UK if required.
Our Gap policies automatically cover you for a variety of sports, including white water rafting, scuba-diving within a depth of 30 metres and para-scending. An additional Special Sports Option is available, this provides cover for parachuting, paragliding, rock climbing, bungee jumping etc.
Gap cover is available up to the age of 65 years inclusive.
Winter Sports Option
This Option is for policyholders who require cover for both on and off piste skiing, ski equipment and piste closure when they are taking part in winter sports. This Option is available on all policies, but is not available to policyholders aged 70 or over, taking part in Winter Sports for the first time.
Special Sports & Activities Option
Cover for a range of activities such as bungee jumping, rock climbing and white-water canoeing. The Special Sports & Activities Option is available on all travel insurance policies (excluding Essential) for travellers aged up to 69 years inclusive.
Combining this Option with Winter Sports above provides cover for additional sports such as bobsleigh and luge.
Golf Option
This Option is available to those who wish to play golf on trips, either taking equipment with them, or hiring it. Cover applies to equipment, loss of green fees due to illness or injury and even the cost of buying a round of drinks after a hole-in-one. This Option is available on all travel insurance policies (excluding Gap Cover).
Business Travel Option
Optional cover providing an increased Personal Accident benefit, cover for equipment such as laptop computers and mobile telephones and the travel costs of a colleague to replace your presence at important events. This Option is available on Single Trip, Annual Select and Annual Prestige policies.
Excess Waiver Option
For policyholders who do not wish to pay the standard £50 excess per person, per policy in the event of making a claim. This is not applicable to claims made under the Medical Emergency and Repatriation section while taking part in Special Sports & Activities, where an excess of £200 cannot be waived.
Personal Baggage Exclusion
If your baggage is covered elsewhere, or you do not require cover for your belongings, this section can be removed, reducing the cost of your policy. This exclusion is available on all policies.
| Medical Emergency & Repatriation Service |
to £10 million |
 |
| including: |
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| Search & rescue costs |
to £150,000 |
|
| Burial or cremation abroad or repatriation of body to the UK |
to £2,500 |
|
| Emergency dental treatment |
to £1,000 |
|
| UK medical transfer to hospital |
to £500 |
|
| Person to join/stay with you |
to £1,500 |
|
| |
| Cancellation & Curtailment |
to £5,000 |
|
| including: |
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| If £1,500 loss to home |
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| When a deposit is lost |
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| Excursion cover |
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| |
| Personal Accident |
to £30,000 |
|
| including: |
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| Death (18-69) |
£30,000 |
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| Death (under 18 or 70 and over) |
£1,000 |
|
| Loss of/lost use of/one or more limbs |
£30,000 |
|
| Loss of sight in one/both eyes |
£30,000 |
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| Permanent total disablement |
£30,000 |
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| Personal Baggage |
to £2,500 |
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| including: |
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| For any one item/pair/set |
to £250 |
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| For valuables in total |
to £300 |
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| |
| Personal Baggage Delay |
to £200 |
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| (outward trip) including: |
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| If delayed more than 6 hrs |
to £200 |
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| |
| Money |
to £500 |
|
| including: |
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| under 16 |
to £50 |
|
| Loss of cash |
to £250 |
|
| Loss of passport (reasonable travel/ accommodation costs) |
to £300 |
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| |
| Legal Advice & Expenses |
to £25,000 |
|
| (advance) including: |
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|
| Travel expenses to court outside UK |
to £250 |
|
| Extra claims, fees & expenses |
to £25,000 |
|
| Fees for motor offence outside UK |
to £1,000 |
|
| A Bail Bond in local currency |
to £1,000 |
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| |
| Personal Liability |
to £2 million |
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| |
| Missed Departure and/or Connection(s) |
to £750 |
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| |
| Involuntary Denial of Boarding |
to £400 |
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| including: |
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| If delayed up to 6 hrs |
to £100 |
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| If delayed more than 6 hrs |
to £400 |
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| |
| Travel Delay |
to £200 |
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| including: |
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|
| If delayed more than 6 hrs |
£20 |
|
| For each additional 12hr delay |
£20 |
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| |
| Hospital Cash Benefit |
to £500 |
|
| |
£25 per 24hrs |
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| |
| Personal Assistance Services |
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|
| including: |
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| Concierge service |
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| Transfer of emergency funds |
to £200 |
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| Homecare (parts/materials) |
to £50 (inc. VAT) |
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| |
| Kennel & Cattery |
to £250 |
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| Medical Emergency & Repatriation Service |
to £10 million |
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| including: |
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|
| Search & rescue costs |
to £150,000 |
|
| Burial or cremation abroad or repatriation of body to the UK |
to £2,500 |
|
| Emergency dental treatment |
to £1,000 |
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| UK medical transfer to hospital |
to £500 |
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| Person to join/stay with you |
to £500 |
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| |
| Cancellation & Curtailment |
to £3,000 |
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| including: |
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| If £1,500 loss to home |
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| When a deposit is lost |
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| Excursion cover |
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| |
| Personal Accident |
to £10,000 |
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| including: |
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|
| Death (18-65) |
£10,000 |
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| Death (under 18 or 66 and over) |
£1,000 |
|
| Loss of/lost use of/one or more limbs |
£10,000 |
|
| Loss of sight in one/both eyes |
£10,000 |
|
| Permanent total disablement |
£10,000 |
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| |
| Personal Baggage |
to £1,500 |
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| including: |
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|
| For any one item/pair/set |
to £150 |
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| For valuables in total |
to £150 |
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| |
| Personal Baggage Delay |
to £100 |
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| (outward trip) including: |
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|
| If delayed more than 12 hrs |
to £100 |
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| Money |
to £200 |
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| including: |
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| under 16 |
to £50 |
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| Loss of cash |
to £100 |
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| Loss of passport (reasonable travel/accommodation costs) |
to £100 |
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| Legal Advice |
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| Telephone guidance and assistance on any legal problem arising in connection with your trip or in connection with your home |
Available from the start of your trip and up to seven days after you complete your trip |
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| Personal Liability |
to £1 million |
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| |
| Missed Departure |
to £250 |
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| Travel Delay |
to £100 |
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| including: |
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| If delayed more than 12 hrs |
£20 |
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| For each additional 12hr delay |
£20 |
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| Personal Assistance Services |
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|
| including: |
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| Transfer of emergency funds |
to £200 |
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| Medical Emergency & Repatriation Service |
to £10 million |
|
| including: |
|
|
| Search & rescue costs |
to £150,000 |
|
| Burial or cremation abroad or repatriation of body to the UK |
to £2,500 |
|
| Emergency dental treatment |
to £1,000 |
|
| UK medical transfer to hospital |
to £500 |
|
| Person to join/stay with you |
to £1,500 |
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| |
| Cancellation & Curtailment |
to £5,000 |
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| including: |
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|
| If £1,500 loss to home |
|
|
| When a deposit is lost |
|
|
| Excursion cover |
|
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| |
| Personal Accident |
to £30,000 |
|
| including: |
|
|
| Death (18-69) |
£30,000 |
|
| Death (under 18 or 70 and over) |
£1,000 |
|
| Loss of/lost use of/one or more limbs |
£30,000 |
|
| Loss of sight in one/both eyes |
£30,000 |
|
| Permanent total disablement |
£30,000 |
|
| |
| Personal Baggage |
to £2,500 |
|
| including: |
|
|
| For any one item/pair/set |
to £250 |
|
| For valuables in total |
to £300 |
|
| |
| Personal Baggage Delay |
to £200 |
|
| (outward trip) including: |
|
|
| If delayed more than 6 hrs |
to £200 |
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| |
| Money |
to £500 |
|
| including: |
|
|
| under 16 |
to £50 |
|
| Loss of cash |
to £250 |
|
| Loss of passport (reasonable travel/accommodation costs) |
to £300 |
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| |
| Legal Advice & Expenses |
to £25,000 |
|
| (advance) including: |
|
|
| Travel expenses to court outside UK |
to £250 |
|
| Extra claims, fees & expenses |
to £25,000 |
|
| Fees for motor offence outside UK |
to £1,000 |
|
| A Bail Bond in local currency |
to £1,000 |
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| |
| Personal Liability |
to £2 million |
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| |
| Missed Departure and/or Connection(s) |
to £750 |
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| |
| Involuntary Denial of Boarding |
to £400 |
|
| including: |
|
|
| If delayed up to 6 hrs |
to £100 |
|
| If delayed more than 6 hrs |
to £400 |
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| |
| Travel Delay |
to £200 |
|
| including: |
|
|
| If delayed more than 6 hrs |
£20 |
|
| For each additional 12hr delay |
£20 |
|
| |
| Hospital Cash Benefit |
to £500
£25 per 24hrs |
|
| |
| Personal Assistance Services |
|
|
| including: |
|
|
| Concierge service |
|
|
| Transfer of emergency funds |
to £200 |
|
| Homecare (parts/materials) |
to £50 (inc. VAT) |
|
| |
| Kennel & Cattery |
to £250 |
|
| Medical Emergency & Repatriation Service |
to £15 million |
|
| including: |
|
|
| Search & rescue costs |
to £150,000 |
|
| Burial or cremation abroad or repatriation of body to the UK |
to £2,500 |
|
| Emergency dental treatment |
to £1,000 |
|
| UK medical transfer to hospital |
to £500 |
|
| Person to join/stay with you |
Claim Specific - Agreed Cost |
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| |
| Cancellation & Curtailment |
to £12,500 |
|
| including: |
|
|
| If £1,500 loss to home |
|
|
| When a deposit is lost |
|
|
| Excursion cover |
|
|
| |
| Personal Accident |
to £50,000 |
|
| including: |
|
|
| Death (18-69) |
£50,000 |
|
| Death (under 18 or 70 and over) |
£1,000 |
|
| Loss of/lost use of/one or more limbs |
£50,000 |
|
| Loss of sight in one/both eyes |
£50,000 |
|
| Permanent total disablement |
£50,000 |
|
| |
| Personal Baggage |
to £2,500 |
|
| including: |
|
|
| For any one item/pair/set |
to £750 |
|
| For valuables in total |
to £750 |
|
| |
| Personal Baggage Delay |
to £500 |
|
| (outward trip) including: |
|
|
| If delayed more than 6 hrs |
to £250 |
|
| If delayed more than 12 hrs |
to £500 |
|
| |
| Money |
to £750 |
|
| including: |
|
|
| under 16 |
to £50 |
|
| Loss of cash |
to £250 |
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| Loss of passport (reasonable travel/ accommodation costs) |
Claim Specific - Agreed Cost |
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| |
| Car Hire Benefits |
|
|
| including: |
|
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| Loss Damage Waiver |
to £25,000 |
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| Loss of use |
to £210 |
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| Drop off charges |
to £200 |
|
| Top-up liability |
to £500,000 |
| including: |
|
|
| Bodily Injury |
to £50,000 |
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| |
| Legal Advice & Expenses |
to £50,000 |
|
| (advance) including: |
|
|
| Travel expenses to court outside UK |
to £250 |
|
| Extra claims, fees & expenses |
to £50,000 |
|
| Fees for motor offence outside UK |
to £1,000 |
|
| A Bail Bond in local currency |
to £1,000 |
|
| |
| Personal Liability |
to £2 million |
|
| |
| Missed Departure and/or Connection(s) |
to £1000 |
|
| |
| Involuntary Denial of Boarding |
to £400 |
|
| including: |
|
|
| If delayed up to 6 hrs |
to £100 |
|
| If delayed more than 6 hrs |
to £400 |
|
| |
| Travel Delay |
to £350 |
|
| including: |
|
|
| If delayed more than 6 hrs |
£50 |
|
| For each additional 12hr delay |
£75 |
|
| |
| Hospital Cash Benefit |
to £1500 |
|
| |
£100 per 24hrs |
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| |
| Convalescence Benefit |
to £1,500 |
|
| |
£250 per 24 hours |
|
| |
| Hijack – necessary psychotherapy |
to £500 |
|
| |
| Personal Assistance Services |
|
|
| including: |
|
|
| Concierge service |
|
|
| Transfer of emergency funds |
to £1,500 |
|
| Homecare (parts/materials) |
to £50 (inc. VAT) |
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BCP-
Airport Parking Specialists |
a) Secure Airport Parking
b) ‘Meet and Greet’ Parking service
c) UK Airport Lounges
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| Travel Booking service |
a) Brochured Holidays
b) Tailor-made Independent Travel (Business or Leisure) |
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| Kennel & Cattery |
to £250 |
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These additional policy options are available at additional cost:
|
| Winter Sports Option |
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|
| including: |
|
|
| Piste closure |
to £200/£20 per day (£750/£50 per day for Prestige)
| |
| Avalanche benefit |
to £150/£30 per day |
|
| Winter Sports Equipment |
to £500 (£750 for Prestige) |
|
| For any one article/pair/set |
to £300 (£750 for Prestige) |
|
| Delay of Equipment over 12 hrs |
to £300/£20 per day (£525/£35 per day for Prestige)
| |
| Unused ski pack charges |
to £350 |
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| |
| Special Sports and Activities Option |
|
|
| including: |
|
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| (excess of £200 on Medical) |
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| Sports/Activities Equipment |
to £500 |
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| For any one article/pair/set |
to £300 |
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| |
| Golf Option |
|
|
| including: |
|
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| Golf Equipment |
to £2,500 |
|
| including: |
|
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| For any one item |
to £250 |
|
For purchase of Golf Equipment,
if delayed more than 12 hours |
to £300 |
|
For hire of Golf Equipment,
if delayed more than 12 hours |
to £250/
£35 per 24hrs |
|
| Green Fees |
to £1,000 |
|
| Tournament Entry Fees |
to £250 |
|
| Hole-In-One |
to £300 |
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| Business Travel Option |
|
|
| including: |
|
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| Personal Assistance Services |
|
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| Replacement Business Associate |
to £750 |
|
| Emergency Return Home |
|
|
| Personal Accident |
Double the normal policy benefit |
|
| Business Equipment |
to £1,500 |
|
| including: |
|
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| - Single item pair or set limit |
to £500 |
|
| - Computer equipment limit |
to £1,000 |
|
| - Business samples limit |
to £500 |
|
| |
| Business Equipment Delay |
to £200 |
|
| Emergency Courier Expenses |
to £200 |
|
| Business Equipment Hire |
to £500/
£50 per 24hrs |
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| Business Money |
to £1,000 |
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| including: |
|
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| - Cash limit |
to £500 |
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| Excess Waiver |
£0 excess applies to claims unless specifically stated otherwise |
|
| Medical Emergency & Repatriation Service |
to £10 million |
|
| including: |
|
|
| Search & rescue costs |
to £150,000 |
|
| Burial or cremation abroad or repatriation of body to the UK |
to £2,500 |
|
| Emergency dental treatment |
to £1,000 |
|
| UK medical transfer to hospital |
to £500 |
|
| Person to join/stay with you |
to £1,500 |
|
| |
| Cancellation & Curtailment |
to £5,000 |
|
| including: |
|
|
| If £1,500 loss to home |
|
|
| When a deposit is lost |
|
|
| Excursion cover |
|
|
| |
| Personal Accident |
to £30,000 |
|
| including: |
|
|
| Death (18-65) |
£30,000 |
|
| Death (under 18 or over 65) |
£1,000 |
|
| Loss of/lost use of/one or more limbs |
£30,000 |
|
| Loss of sight in one/both eyes |
£30,000 |
|
| Permanent total disablement |
£30,000 |
|
| |
| Personal Baggage |
to £1,500 |
|
| including: |
|
|
| For any one item/pair/set |
to £250 |
|
| For valuables in total |
to £300 |
|
| |
| Personal Baggage Delay |
to £200 |
|
| (outward trip) including: |
|
|
| If delayed more than 6 hrs |
to £200 |
|
| |
| Money |
to £500 |
|
| including: |
|
|
| under 16 |
to £50 |
|
| Loss of cash |
to £250 |
|
| Loss of passport (reasonable travel/ accommodation costs) |
to £300 |
|
| |
| |
| Legal Advice & Expenses |
to £50,000 |
|
| (advance) including: |
|
|
| Travel expenses to court outside UK |
to £250 |
|
| Extra claims, fees & expenses |
to £50,000 |
|
| Fees for motor offence outside UK |
to £1,000 |
|
| A Bail Bond in local currency |
to £1,000 |
|
| |
| Personal Liability |
to £2 million |
|
| |
| Missed Departure and/or Connection(s) |
to £750 |
|
| |
| Involuntary Denial of Boarding |
to £400 |
|
| including: |
|
|
| If delayed up to 6 hrs |
to £100 |
|
| If delayed more than 6 hrs |
to £400 |
|
| |
| Travel Delay |
to £200 |
|
| including: |
|
|
| If delayed more than 6 hrs |
£20 |
|
| For each additional 12hr delay |
£20 |
|
| |
| Hospital Cash Benefit |
to £600 |
|
| |
£25 per 24hrs |
|
| |
| Convalescence |
to £500 |
|
| (as an in-patient for more than 5 consecutive nights) |
|
|
| |
| Hijack |
to £1000 |
|
| including: |
£50 per 24hrs |
|
| |
| Personal Assistance Services |
|
|
| including: |
|
|
| Concierge service |
|
|
| Transfer of emergency funds |
to £500 |
|
| Homecare (parts/materials) |
to £50 (inc. VAT) |
|
|
0800 028 7573 Opening hours 8.30am - 8.00pm
American Express Insurance Services Europe Limited, registered in England and Wales. Company Number 05048826,
registered office 60 Buckingham Palace Road, London SW1W 0RR authorised and regulated by the Financial Services
Authority. Calls may be taped or monitored for quality, training and compliance purposes. Policy terms and conditions apply.
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