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Cover Levels

You can compare our policy cover levels below by clicking on the relevant tab. Please visit our policy wordings page for full details plus terms and conditions.

Multi Trip

CoverStandard Premier Premier PlusPremier Platinum
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Days per trip31 Days31 Days45 Days45 Days
Policy excess£100£60£0£0
If you have to cancel your trip£1,500£5,000£7,500£7,500
If your end supplier suffers financial failure before you travelNo Cover£3,000£3,000£3,000
If your departure is delayed per 12 hours£10£35£33£35
Delayed departure total£150£350£350£350
If you choose to cancel after a 24 hour delay£1,500£5,000£7,500£7,500
If you miss your outbound departure£500£1,000£1,000£1,000
If you miss your homeward departure£500£1,000£1,000£1,000
If you need emergency medical attention£5,000,000£10,000,000£10,000,000£10,000,000
Public hospital inconvenience benefit per day£20£20£30£50
Public hospital inconvenience benefit total£400£400£1,000£1,000
Emergency dental treatment£100£100£100£500
If you have to come home early£1,500£5,000£7,500£7,500
If your possessions are lost, stolen or damaged (total payable) £1,000£2,500£3,000£5,000
Clothes and footwear£1,000£2,000£3,000£5,000
Cosmetics and toiletries£200£200£200£500
Luggage£150£150£150£250
Watches and Jewellery£300£500£500£400
Eyewear£150£150£150£150
Electrical items£300£400£400£400
If your possessions are delayed by 12 hours£100£100£250£250
If your cash is lost or stolen£250£500£500£500
If your passport is lost or stolen£100£300£300£500
If you are hijacked (benefit per 24 hours)No Cover£100£100£100
Hijack benefit total |No Cover AvailableNo Cover£500£1,000£1,000
If you are mugged (benefit per 24 hours)No Cover£100£100£100
Mugging benefit totalNo Cover£500£1,000£1,000
Personal liability£1,000,000£2,000,000£2,000,000£2,000,000
Accidental death & disability benefit£5,000£30,000£30,000£30,000
If you need legal advice£10,000£50,000£100,000£100,000
If your return is delayed due to air rageNo CoverNo CoverNo Cover£1,000
If your pet is taken ill per dayNo CoverNo CoverNo Cover£25
If your pet is taken ill totalNo CoverNo CoverNo Cover£300
Activity extensionOptionalOptionalOptionalOptional
Cruise CoverOptionalOptionalOptionalOptional
Excess WaiverOptionalOptionalNo CoverNo Cover
Force Majeure£1,000£1,000£1,000£1,000
End Supplier Financial FailureNo Cover£1,000£1,000£1,000
Gadget CoverNo Cover£1,000£2,000£3,000
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Single Trip

CoverLast minuteStandard Premier Premier PlusPremier Platinum
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Policy excess£100£100£60£0£0
If you have to cancel your tripNo Cover£1,500£5,000£7,500£7,500
If your end supplier suffers financial failure before you travelNo CoverNo Cover£3,000£3,000£3,000
If your departure is delayed per 12 hours£20£10£35£35£35
Delayed departure total£300£150£350£350£350
If you choose to cancel after a 24 hour delayNo Cover£1,500£5,000£7,500£7,500
If you miss your outbound departure£500£500£1,000£1,000£1,000
If you miss your homeward departure£500£500£1,000£1,000£1,000
If you need emergency medical attention£10,000,000£5,000,000£10,000,000£10,000,000£10,000,000
Public hospital inconvenience benefit per day£20£20£20£30£50
Public hospital inconvenience benefit total£400£400£400£1,000£1,000
Emergency dental treatment£100£100£100£100£500
If you have to come home earlyNo Cover£1,500£5,000£7,500£7,500
If your possessions are lost, stolen or damaged (total payable) £2,000£1,000£2500£3,000£5,000
Clothes and footwear£2,000£1,000£2,000£3,000£5,000
Cosmetics and toiletries£200£200£200£200£500
Luggage£150£150£150£150£250
Watches and Jewellery£300£300£500£500£400
Eyewear£150£150£150£150£150
Electrical items£300£300£400£400£400
If your possessions are delayed by 12 hoursNo Cover£100£100£250£250
If your cash is lost or stolen£250£250£500£500£500
If your passport is lost or stolen£300£100£300£300£500
If you are hijacked (benefit per 24 hours)£100No Cover£100£100£100
Hijack benefit total |No Cover Available£500No Cover£500£1,000£1,000
If you are mugged (benefit per 24 hours)£100No Cover£100£100£100
Mugging benefit total£500No Cover£500£1,000£1,000
Personal liability£2,000,000£1,000,000£2,000,000£2,000,000£2,000,000
Accidental death & disability benefit£15,000£5,000£30,000£30,000£30,000
If you need legal advice£50,000£10,000£50,000£100,000£100,000
If your return is delayed due to air rageNo CoverNo CoverNo CoverNo Cover£1,000
If your pet is taken ill per dayNo CoverNo CoverNo CoverNo Cover£25
If your pet is taken ill totalNo CoverNo CoverNo CoverNo Cover£300
Activity extensionOptionalOptionalOptionalOptionalOptional
Cruise CoverOptionalOptionalOptionalOptionalOptional
Excess WaiverOptionalOptionalOptionalNo CoverNo Cover
Force Majeure£1,000£1,000£1,000£1,000£1,000
End Supplier Financial FailureNo CoverNo Cover£1,000£1,000£1,000
Gadget CoverNo CoverNo Cover£1,000£2,000£3,000
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Winter Sports

CoverExpress Single TripStandard Single TripPremier Single TripStandard Multi Trip Premier Multi Trip
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Policy excess£100£100£75£100£75
If you have to cancel your tripNo Cover£3,000£5,000£3,000£5,000
If your end supplier suffers financial failure before you travelNo CoverNo Cover£3,000Optional£3,000
If your departure is delayed per 12 hoursNo Cover£20£30£20£30
Delayed departure totalNo Cover£200£300£200£300
If you choose to cancel after a 24 hour delayNo Cover£3,000£5,000£3,000£5,000
If you miss your outbound departure£500£500£1,000£500£1,000
If you miss your homeward departure£500£500£1,000£500£1,000
If you need emergency medical attention£10,000,000£10,000,000£10,000,000£10,000,000£10,000,000
Public hospital inconvenience benefit per day£30£30£50£30£50
Public hospital inconvenience benefit total£600£600£1,000£600£1,000
Emergency dental treatment whilst abroad£100£100£100£100£200
Emergency physiotherapy treatment whilst abroadNo CoverNo Cover£200No Cover£200
If you are unable to use your pre-paid Ski Pack per day£25£25£50£25£50
If you are unable to use your pre-paid Ski Pack total£250£400£500£400£500
If you need dental treatment on your return homeNo CoverNo Cover£500No Cover£500
If you need physiotherapy treatment on your return homeNo CoverNo Cover£501No Cover£501
If you have to come home earlyNo Cover£3,000£5,000£3,000£5,000
If your possessions are lost, stolen or damaged (total payable) £1,500£1,500£2,000£1,500£2,000
Clothes and footwear£1,500£1,500£2,000£1,500£2,000
Cosmetics and toiletries£200£200£250£200£250
Luggage£150£150£250£150£250
Watches and Jewellery£300£300£500£300£500
Eyewear£150£150£150£150£150
Electrical items£300£300£300£300£300
If your possessions are delayed by 12 hoursNo Cover£100£150£100£150
If your winter sports equipment is lost, stolen or damaged (total payable) £750£1,000£2,000£1,000£2,000
Helmets£125£175£300£175£200
Skis£500£750£1,200£750£1,200
Snowboard£500£750£1,200£750£1,200
Bindings£125£125£250£125£250
Poles£50£50£100£50£100
Gloves£75£75£150£75£150
Boots£250£250£500£250£500
Goggles£75£75£150£75£150
Ski Clothing£500£750£1,200£750£1,200
If your winter sports equipment is delayed by 24 hours (per day)£100£100£200£100£200
If your winter sports equipment is delayed by 24 hours (total)£500£500£1,000£500£1,000
If your winter sports equipment is damaged whilst in use (to hire ski equipment - per day)£100£100£200£100£200
If your winter sports equipment is damaged whilst in use (to hire ski equipment - total)£500£500£1,000£500£1,000
If your hired winter sports equipment is lost, stolen or damaged (total payable) £250£250£500£250£500
If your cash is lost or stolen£250£250£500£250£500
If your passport is lost or stolen£300£300£400£300£400
If your ski lift pass is lost or stolen£250£250£500£250£500
If you are hijacked (benefit per 24 hours)No Cover£50£100£50£100
Hijack benefit totalNo Cover£250£500£250£500
If you are mugged (benefit per 24 hours)No Cover£50£100£50£100
Mugging benefit totalNo Cover£250£500£250£500
Personal liability£1,000,000£1,000,000£2,000,000£1,000,000£2,000,000
Accidental death benefit£10,000£10,000£15,000£10,000£15,000
Permanent loss of sight or limb£15,000£15,000£20,000£15,000£20,000
Permanent and total disablement£15,000£15,000£20,000£15,000£20,000
If you need legal advice£25,000£25,000£50,000£25,000£50,000
If you cannot return home - Either: Per 24 hoursNo CoverNo Cover£100No Cover£100
If you cannot return home - Either: Per 24 hours total payableNo CoverNo Cover£1,500No Cover£1,500
Or: additional travel expensesNo CoverNo Cover£1,000No Cover£1,000
If an avalanche occurs per day£200£200£200£200£200
If an avalanche occurs total£1,000£1,000£1,000£1,000£1,000
If there is no snow per day£50£50£50£50£50
if there is no snow total£200£250£350£250£350
Excess WaiverOptionalOptionalOptionalOptionalOptional
Financial Failure No CoverNo Cover£1,000Optional£1,000
Force Majeure£1,000£1,000£1,000£1,000£1,000
Gadget CoverNo CoverNo Cover£1,000No Cover£1,000
Activity extensionOptionalOptionalOptionalOptionalOptional
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Backpacker and Longstay

CoverBackpacker and Longstay Backpacker and Longstay PlusBackpacker and Longstay Platinum
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Policy excess£150£100£50
If you have to cancel your trip£2,500£3,000£5,000
If your end supplier suffers financial failure before you travelNo Cover£3,000£3,000
If your departure is delayed per 12 hours£20£30£40
Delayed departure total£400£600£800
If you choose to cancel after a 24 hour delay£2,500£3,000£5,000
If you miss your outbound departure£1,000£1,500£2,000
If you miss your homeward departure£1,000£1,500£2,000
If you need emergency medical attention£5,000,000£10,000,000£10,000,000
Public hospital inconvenience benefit per day£20£30£50
Public hospital inconvenience benefit total£200£600£1,000
Emergency dental treatment |£100£100£100
If you have to come home early£750£1,000£2,000
If your possessions are lost, stolen or damaged (total payable) £1,000£2,500£3,000
Clothes and footwear£1,000£2,500£3,000
Cosmetics and toiletries£100£200£250
Luggage£200£200£250
Watches and Jewellery£300£500£600
Eyewear£150£150£150
Electrical items£300£500£600
If your possessions are delayed by 12 hours£100£150£250
If your cash is lost or stolen£500£500£500
If your passport is lost or stolen£300£400£500
If your Inter Rail Ticket(s) is lost or stolen£250£500£1,000
If you are hijacked (benefit per 24 hours)£50£50£100
Hijack benefit total£500£500£1,000
If you are mugged (benefit per 24 hours)£50£50£100
Mugging benefit total£500£500£1,000
Personal liability£2,000,000£2,000,000£2,000,000
Accidental death benefit£5,000£7,500£10,000
Permanent loss of sight or limb£15,000£20,000£25,000
Permanent and total disablement£15,000£20,000£25,000
If you need legal advice£25,000£25,000£50,000
If you need to replenish prescription medicationNo CoverNo Cover£200
If your return is delayed due to air rageNo CoverNo Cover£1,000
Gadget CoverNo CoverNo Cover£2,000
Financial FailureNo Cover£1,000£1,000
Force Majeure£1,000£1,000£1,000
Activity extensionOptionalOptionalOptional
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Specialist Family Single & Multi Trip Range

Cover Family Single Trip Family Multi Trip
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Days per tripN/A31 Days
Policy excess£75£75
If you have to cancel your trip£5,000£5,000
If your end supplier fails or force majeure occurs before you travel £3,000£3,000
If your departure is delayed per 12 hours£20£20
Delayed departure total£500£500
If you choose to cancel after a 24 hour delay£5,000£5,000
If you miss your outbound departure£1,000£1,000
If you miss your homeward departure£1,000£1,000
If you need emergency medical attention£10,000,000£10,000,000
Public hospital inconvenience benefit per day£20£20
Public hospital inconvenience benefit total£400£400
Family assist£5,000£5,000
If you have to come home early£5,000£5,000
If your possessions are lost, stolen or damaged (total payable)£2,000£2,000
Clothes and footwear£2,000£2,000
Cosmetics and toiletries£200£200
Buggies, strollers and car seats £750£750
Luggage£150£150
Watches and Jewellery£300£300
Eyewear£150£150
Electrical items£300£300
If your possessions are delayed by 12 hours£200£200
If your cash is lost or stolen£500£500
If your passport is lost or stolen£300£300
If you are hijacked (benefit per 24 hours)£100£100
Hijack benefit total£500£500
If you are mugged (benefit per 24 hours)£100£100
Mugging benefit total£500£500
Personal liability£2,000,000£2,000,000
Accidental death and disability benefit£15,000£15,000
If you need legal advice£50,000£50,000
If you need emergency replenishment of prescription medication£200£200
If your gadget is accidentally lost, stolen or damaged £1,000£1,000
Financial failure and force majeure£1,000£1,000
Activity extensionOptionalOptional
Cruise CoverOptionalOptional
Winter Sports CoverOptionalOptional
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Please note, Holidaysafe's online prices automatically include a 15% discount against our Customer Service Centre prices.
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