Gold - 35 & over cover
Our "Gold" cover is available to those under the age of 66. Our single-trip insurance is extremely flexible with cover available from 4 days up to a maximum of 24 months. We also have 3 geographical areas of cover - Europe, Worldwide Excluding the USA and Worldwide Including the USA. Choose between budget, standard and premier to get cover appropriate for your trip.
Gold cover
| Premier | Standard | Budget | ||
| MEDICAL | Medical Expenses & Repatriation | £10,000,000 | £2,000,000 | £1,000,000 |
| Emergency Dental Treatment | £500 | £350 | Not included | |
| Curtailment & Hospital Benefit | £2,000 | £1,500 | £1,000 | |
| Search & Rescue | £5,000 | Not included | Not included | |
| Burial or repatriation of mortal remains | Included in Medical Expenses and Repatriation Sum Insured | Included in Medical Expenses and Repatriation Sum Insured | Included in Medical Expenses and Repatriation Sum Insured | |
| Cost to return home in case of illness or death of a close relative in UK | Included in Medical Expenses and Repatriation Sum Insured | Included in Medical Expenses and Repatriation Sum Insured | Included in Medical Expenses and Repatriation Sum Insured | |
| ACCIDENT | Repayment of Student Loan | £5,000 | £2,500 | Not included |
| Accidental Death Compensation | £20,000 | £15,000 | Not included | |
| Permanent Total Disablement Compensation | £40,000 | £30,000 | Not included | |
| LEGAL | Personal Liability | £2,000,000 | £1,000,000 | £500,000 |
| Legal Expenses | £20,000 | £10,000 | £3,500 | |
| LUGGAGE | Luggage Max per Single Item Total valuable items |
£1,500 £250 £400 |
£1,000 £150 £400 |
Not included |
| Loss of Tickets & Travel Documents | £250 | £150 | Not included | |
| Loss of Passport | £500 | £250 | £200 | |
| Money | £200 | Not included | Not included | |
| Luggage Delay | £100 | Not included | Not included | |
| Cancellation | £2,000 | £1,500 | £1,000 | |
| Travel Delay | £2,000 | £100 | Not included | |
| Missed Departure | £500 | £300 | Not included | |
| OTHER | Hijack | £3,000 | £2,500 | Not included |
| Hostage | £3,000 | Not included | Not included | |
| Travel Trade Indemnity | £2,000 | Not included | Not included | |
| Government Travel Restrictions | £1,000 | Not included | Not included |
Call 0871 230 8491
Adventure sports and adrenaline activities
Adventure sports & adrenalin activities covered on the Budget, Standard and Premier policy
Abseiling, American Football*, Archery, Ballooning (organised excursion)*, Baseball, Boogie Boarding*, Bungee Jumping*, Canoeing, Cave Tubing, Cricket, Cycling, Deep Sea Fishing, Elephant Trekking, Fencing, Football*, Frisbee, Gliding*, Go-Karting, Hang Gliding*, Helicopter/Light Aircraft (as passenger), High Diving (platform only)*, Hiking under 6,000m, Hockey (field only)*, Horse Riding (casual, no jumping)*, Hot Air Ballooning*, Ice Skating, Jetskiing*, Kayaking, Kite Surfing/Skiing/Buggying, Lacrosse, Marathon Running/Triathlon*, Martial Arts Training*, Mopeds/Motorcycle Touring, Motorcycling up to 125cc where claims and conviction free for previous 3 years and where wearing a helmet, Mountain Biking (not off road), Overland Expedition, Paintballing, Parachuting*, Paragliding*, Parapenting, Parasailing (behind a boat), Parapenting (behind a motorised vehicle), Quad Biking, Roller Blading, River Boarding*, Rugby*, Safari, Sail Boarding, Sand Boarding*, Scrambling, Scuba Diving (down to 30metres only), Sea Canoeing, Skate Boarding*, Skiing Cross Country*, Skiing (on piste only)*, Skydiving*, Snowboarding (on piste only)*, Snow Blading (on piste only)*, Surfing, Trekking under 6000metres, Wake Boarding*, Water Skiing*, Weightlifting, White Water Rafting (grades 1-3)*, Windsurfing, Yachting (in territorial waters)*, Zip Wiring/Climbing.If any of the activities marked with an asterisk are the main purpose of your trip you must purchase a sport trip or winter sports policy.
Additional adventure sports & adrenalin activities covered on the premier policy only
Bamboo Boat Rafting, Big Foot Skiing*, Black Water Rafting*, Bobsleigh/Skeleton/Luge*, Bouldering, Canyoning, Caving, Cycle Touring, Dog Sleighing*, Glacier Crossing/Hiking, Heliskiing/Boarding*, Horse Trekking, Ice Climbing, Jet Boating/Shotover Jet, Micro Lighting*, Mountaineering (with ropes), Off-Road Mountain Biking, Potholing/Caving (as part of a group), River Kayaking*, Rock Climbing (with ropes), Sea Kayaking*, Shark Cage Diving, Show-jumping*, Skiing (off piste with a guide)*, Snowboarding (on piste)*, Snowboarding (off piste with a guide)*, Snow Kiting*, Snow Mobiles/Skiddoos*, Snow Shoeing*, Tobogganing, White Water Rafting (grade 4-5)*.
If any of the activities marked with an asterisk are the main purpose of your trip you must purchase a sport trip or winter sports policy.
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