Core protection
Personal Accident - Compensation for accidental death/disability
Standard Travel Insurance
Simple cover. Clear benefits.
Medical expenses, evacuation, baggage and travel disruption cover for leisure and business travel.
Choose the destination area and level of protection that fits your journey. Assistance is included throughout your covered trip.
- Up to $500,000 medical cover
- 24/7 assistance
- Cover from 3 months to 80 years
At a glance
Understand your cover before you buy
Start with the key facts, then compare the limits and conditions that matter for your journey.
Best for
Leisure and business travellers
Destination areas
Africa, Asia, Europe and worldwide
Age range
3 months–80 years
Assistance
Available 24/7
Emergency assistance
Medical Expenses - Hospitalization, evacuation, emergency dental
24/7 support
Personal Liability - Third party property damage or injury
Compare your options
Coverage and limits
Choose the option that fits your trip, then review the limits, excesses, waiting periods and conditions before requesting a quote.
| Benefit | Africa | Asia | Europe Basic | Worldwide Basic | Europe PlusRecommended | Worldwide Plus | Worldwide Extra |
|---|---|---|---|---|---|---|---|
| Medical and emergency assistance | |||||||
| Medical expenses and hospitalisation | Limit: $15,000 Excess: $30 Condition: Out-patient excess applies | Limit: $15,000 Excess: $30 Condition: Out-patient excess applies | Limit: €36,000 Excess: €30 Condition: Out-patient excess applies | Limit: $125,000 Excess: $30 Condition: Out-patient excess applies | Limit: $80,000 Excess: $30 Condition: Out-patient excess applies | Limit: $250,000 Excess: $30 Condition: Out-patient excess applies | Limit: $500,000 Excess: $30 Condition: Out-patient excess applies |
| Emergency medical evacuation | Limit: $15,000 | Limit: $15,000 | Limit: €36,000 | Limit: $40,000 | Limit: $80,000 | Limit: $75,000 | Limit: $150,000 |
| Emergency dental care | Limit: $100 | Limit: $100 | Limit: €100 | Limit: $650 | Limit: $500 | Limit: $650 | Limit: $450 |
| Compulsory quarantine | Limit: $80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: $80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: €80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: $80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: €80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: $80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply | Limit: $80/day, maximum 14 days Condition: COVID-19 quarantine conditions apply |
| Medical expenses excess | Excess: $30 | Excess: $30 | Excess: €30 | Excess: $30 | Excess: $30 | Excess: $30 | Excess: $30 |
| Medical excess applies to | Condition: Out-patient treatment | Condition: Out-patient treatment | Condition: Out-patient treatment | Condition: Out-patient treatment | Condition: Out-patient treatment | Condition: Out-patient treatment | Condition: Out-patient treatment |
| Emergency dental excess | Excess: $25 | Excess: $25 | Excess: €25 | Excess: $25 | Excess: $25 | Excess: $25 | Excess: $25 |
| Repatriation of mortal remains | Limit: $10,000 | Limit: $10,000 | Limit: €10,000 | Limit: $10,000 | Limit: $10,000 | Limit: $15,000 | Limit: $15,000 |
| Repatriation of accompanying family member | Limit: $1,500 | Limit: $1,500 | Limit: €1,500 | Limit: $1,500 | Limit: $1,500 | Limit: $3,000 | Limit: $3,000 |
| Emergency return after death of close family member | Not covered | Not covered | Limit: Same class ticket | Limit: Same class ticket | Limit: Same class ticket | Limit: Same class ticket | Limit: Same class ticket |
| Compassionate emergency visit | Not covered | Not covered | Limit: Return economy ticket and $100/day, maximum 10 days | Limit: Return economy ticket and $100/day, maximum 10 days | Limit: Return economy ticket and $100/day, maximum 10 days | Limit: Return economy ticket and $200/day, maximum 10 days | Limit: Return economy ticket and $200/day, maximum 10 days |
| Assistance and travel services | |||||||
| 24-hour assistance services | Included | Included | Included | Included | Included | Included | Included |
| Delivery of medicines | Included service only | Included service only | Included service only | Included service only | Included service only | Included service only | Included service only |
| Hijack in means of public transport | Not covered | Not covered | Not covered | Limit: $50/day, maximum $5,000 | Limit: $50/day, maximum $5,000 | Limit: $100/day, maximum $7,500 | Limit: $100/day, maximum $7,500 |
| Medical complementary services | |||||||
| Daily hospital cash benefit | Not covered | Not covered | Not covered | Limit: $35/day, maximum $350 | Limit: $35/day, maximum $350 | Limit: $35/day, maximum $350 | Limit: $50/day, maximum $350 |
| Baggage and documents | |||||||
| Loss of passport, driving licence or national ID abroad | Limit: $500 | Limit: $500 | Limit: $500 | Limit: $500 | Limit: $500 | Limit: $500 | Limit: $500 |
| Compensation for in-flight loss of checked baggage | Limit: $1,500 | Limit: $1,500 | Limit: €1,500 | Limit: $1,500 | Limit: $1,500 | Limit: $2,000 | Limit: $2,000 |
| Checked baggage excess | Excess: $50 | Excess: $50 | Excess: €50 | Excess: $50 | Excess: $50 | Excess: $50 | Excess: $50 |
| Luggage delay | Limit: $250 | Limit: $250 | Limit: €250 | Limit: $250 | Limit: $250 | Limit: $350 | Limit: $350 |
| Luggage delay qualifying period | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours |
| Forwarding of baggage and personal belongings | Limit: Actual cost | Limit: Actual cost | Limit: Actual cost | Limit: Actual cost | Limit: Actual cost | Limit: Actual cost | Limit: Actual cost |
| Personal accidents | |||||||
| Accidental death in means of transport | Limit: $7,000 | Limit: $7,000 | Limit: €10,000 | Limit: $200,000 | Limit: $75,000 | Limit: $200,000 | Limit: $300,000 |
| Total disability in means of public transport | Limit: % as per scale in policy document | Limit: % as per scale in policy document | Limit: % as per scale in policy document | Limit: % as per scale in policy document | Limit: % as per scale in policy document | Limit: % as per scale in policy document | Limit: % as per scale in policy document |
| Personal liability | |||||||
| Advance of bail bond | Not covered | Not covered | Limit: $3,000 | Limit: $3,000 | Limit: $3,000 | Limit: $10,000 | Limit: $10,000 |
| Personal civil liability | Not covered | Not covered | Limit: $100,000 | Limit: $300,000 | Limit: $100,000 | Limit: $300,000 | Limit: $300,000 |
| Legal defence abroad | Not covered | Not covered | Limit: $3,500 | Limit: $3,500 | Limit: $3,500 | Limit: $5,000 | Limit: $5,000 |
| Cancellation or curtailment | |||||||
| Journey cancellation | Not covered | Not covered | Limit: $1,500 | Limit: $2,000 | Limit: $1,500 | Limit: $3,000 | Limit: $3,000 |
| Journey curtailment | Not covered | Not covered | Limit: $1,500 | Limit: $2,000 | Limit: $1,500 | Limit: $2,500 | Limit: $2,500 |
| Cancellation and curtailment excess | Not covered | Not covered | Limit: $100 Excess: $100 | Limit: $100 Excess: $100 | Limit: $100 Excess: $100 | Limit: $100 Excess: $100 | Limit: $100 Excess: $100 |
| Losses and delays | |||||||
| Delayed departure | Limit: $1,500 | Limit: $1,500 | Limit: €1,500 | Limit: $1,500 | Limit: $1,500 | Limit: $3,000 | Limit: $3,000 |
| Repatriation of family member travelling with the insured | Limit: Business lounge voucher | Limit: Business lounge voucher | Limit: Business lounge voucher | Limit: Business lounge voucher | Limit: Business lounge voucher | Limit: Business lounge voucher | Limit: Business lounge voucher |
| Delayed departure deductible | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours | Waiting period: 4 hours |
| Optional benefits | |||||||
| Winter sports | Not covered | Limit: Optional Optional | Limit: Optional Optional | Limit: Optional Optional | Limit: Optional Optional | Limit: Optional Optional | Limit: Optional Optional |
| Geographical scope of coverage | |||||||
| Africa | Limit: Covered Condition: Africa and surrounding islands, excluding country of residence | Not covered | Not covered | Not covered | Not covered | Not covered | Not covered |
| Asia | Not covered | Limit: Covered Condition: Asia and surrounding islands | Not covered | Not covered | Not covered | Not covered | Not covered |
| Europe | Not covered | Not covered | Limit: Covered Condition: European countries | Not covered | Limit: Covered Condition: European countries | Not covered | Not covered |
| Worldwide | Not covered | Not covered | Not covered | Limit: Covered Condition: Worldwide except country of residence | Not covered | Limit: Covered Condition: Worldwide except country of residence | Limit: Covered Condition: Worldwide except country of residence |
| Select plans to compare | |||||||
Medical and emergency assistance
Medical expenses and hospitalisation
Africa
Limit: $15,000
Excess: $30
Condition: Out-patient excess applies
Asia
Limit: $15,000
Excess: $30
Condition: Out-patient excess applies
Europe Basic
Limit: €36,000
Excess: €30
Condition: Out-patient excess applies
Worldwide Basic
Limit: $125,000
Excess: $30
Condition: Out-patient excess applies
Europe PlusRecommended
Limit: $80,000
Excess: $30
Condition: Out-patient excess applies
Worldwide Plus
Limit: $250,000
Excess: $30
Condition: Out-patient excess applies
Worldwide Extra
Limit: $500,000
Excess: $30
Condition: Out-patient excess applies
Emergency medical evacuation
Africa
Limit: $15,000
Asia
Limit: $15,000
Europe Basic
Limit: €36,000
Worldwide Basic
Limit: $40,000
Europe PlusRecommended
Limit: $80,000
Worldwide Plus
Limit: $75,000
Worldwide Extra
Limit: $150,000
Emergency dental care
Africa
Limit: $100
Asia
Limit: $100
Europe Basic
Limit: €100
Worldwide Basic
Limit: $650
Europe PlusRecommended
Limit: $500
Worldwide Plus
Limit: $650
Worldwide Extra
Limit: $450
Compulsory quarantine
Africa
Limit: $80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Asia
Limit: $80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Europe Basic
Limit: €80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Worldwide Basic
Limit: $80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Europe PlusRecommended
Limit: €80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Worldwide Plus
Limit: $80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Worldwide Extra
Limit: $80/day, maximum 14 days
Condition: COVID-19 quarantine conditions apply
Medical expenses excess
Africa
Excess: $30
Asia
Excess: $30
Europe Basic
Excess: €30
Worldwide Basic
Excess: $30
Europe PlusRecommended
Excess: $30
Worldwide Plus
Excess: $30
Worldwide Extra
Excess: $30
Medical excess applies to
Africa
Condition: Out-patient treatment
Asia
Condition: Out-patient treatment
Europe Basic
Condition: Out-patient treatment
Worldwide Basic
Condition: Out-patient treatment
Europe PlusRecommended
Condition: Out-patient treatment
Worldwide Plus
Condition: Out-patient treatment
Worldwide Extra
Condition: Out-patient treatment
Emergency dental excess
Africa
Excess: $25
Asia
Excess: $25
Europe Basic
Excess: €25
Worldwide Basic
Excess: $25
Europe PlusRecommended
Excess: $25
Worldwide Plus
Excess: $25
Worldwide Extra
Excess: $25
Repatriation of mortal remains
Africa
Limit: $10,000
Asia
Limit: $10,000
Europe Basic
Limit: €10,000
Worldwide Basic
Limit: $10,000
Europe PlusRecommended
Limit: $10,000
Worldwide Plus
Limit: $15,000
Worldwide Extra
Limit: $15,000
Repatriation of accompanying family member
Africa
Limit: $1,500
Asia
Limit: $1,500
Europe Basic
Limit: €1,500
Worldwide Basic
Limit: $1,500
Europe PlusRecommended
Limit: $1,500
Worldwide Plus
Limit: $3,000
Worldwide Extra
Limit: $3,000
Emergency return after death of close family member
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: Same class ticket
Worldwide Basic
Limit: Same class ticket
Europe PlusRecommended
Limit: Same class ticket
Worldwide Plus
Limit: Same class ticket
Worldwide Extra
Limit: Same class ticket
Compassionate emergency visit
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: Return economy ticket and $100/day, maximum 10 days
Worldwide Basic
Limit: Return economy ticket and $100/day, maximum 10 days
Europe PlusRecommended
Limit: Return economy ticket and $100/day, maximum 10 days
Worldwide Plus
Limit: Return economy ticket and $200/day, maximum 10 days
Worldwide Extra
Limit: Return economy ticket and $200/day, maximum 10 days
Assistance and travel services
24-hour assistance services
Africa
Status: Included
Asia
Status: Included
Europe Basic
Status: Included
Worldwide Basic
Status: Included
Europe PlusRecommended
Status: Included
Worldwide Plus
Status: Included
Worldwide Extra
Status: Included
Delivery of medicines
Africa
Status: Included service only
Asia
Status: Included service only
Europe Basic
Status: Included service only
Worldwide Basic
Status: Included service only
Europe PlusRecommended
Status: Included service only
Worldwide Plus
Status: Included service only
Worldwide Extra
Status: Included service only
Hijack in means of public transport
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Status: Not covered
Worldwide Basic
Limit: $50/day, maximum $5,000
Europe PlusRecommended
Limit: $50/day, maximum $5,000
Worldwide Plus
Limit: $100/day, maximum $7,500
Worldwide Extra
Limit: $100/day, maximum $7,500
Medical complementary services
Daily hospital cash benefit
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Status: Not covered
Worldwide Basic
Limit: $35/day, maximum $350
Europe PlusRecommended
Limit: $35/day, maximum $350
Worldwide Plus
Limit: $35/day, maximum $350
Worldwide Extra
Limit: $50/day, maximum $350
Baggage and documents
Loss of passport, driving licence or national ID abroad
Africa
Limit: $500
Asia
Limit: $500
Europe Basic
Limit: $500
Worldwide Basic
Limit: $500
Europe PlusRecommended
Limit: $500
Worldwide Plus
Limit: $500
Worldwide Extra
Limit: $500
Compensation for in-flight loss of checked baggage
Africa
Limit: $1,500
Asia
Limit: $1,500
Europe Basic
Limit: €1,500
Worldwide Basic
Limit: $1,500
Europe PlusRecommended
Limit: $1,500
Worldwide Plus
Limit: $2,000
Worldwide Extra
Limit: $2,000
Checked baggage excess
Africa
Excess: $50
Asia
Excess: $50
Europe Basic
Excess: €50
Worldwide Basic
Excess: $50
Europe PlusRecommended
Excess: $50
Worldwide Plus
Excess: $50
Worldwide Extra
Excess: $50
Luggage delay
Africa
Limit: $250
Asia
Limit: $250
Europe Basic
Limit: €250
Worldwide Basic
Limit: $250
Europe PlusRecommended
Limit: $250
Worldwide Plus
Limit: $350
Worldwide Extra
Limit: $350
Luggage delay qualifying period
Africa
Waiting period: 4 hours
Asia
Waiting period: 4 hours
Europe Basic
Waiting period: 4 hours
Worldwide Basic
Waiting period: 4 hours
Europe PlusRecommended
Waiting period: 4 hours
Worldwide Plus
Waiting period: 4 hours
Worldwide Extra
Waiting period: 4 hours
Forwarding of baggage and personal belongings
Africa
Limit: Actual cost
Asia
Limit: Actual cost
Europe Basic
Limit: Actual cost
Worldwide Basic
Limit: Actual cost
Europe PlusRecommended
Limit: Actual cost
Worldwide Plus
Limit: Actual cost
Worldwide Extra
Limit: Actual cost
Personal accidents
Accidental death in means of transport
Africa
Limit: $7,000
Asia
Limit: $7,000
Europe Basic
Limit: €10,000
Worldwide Basic
Limit: $200,000
Europe PlusRecommended
Limit: $75,000
Worldwide Plus
Limit: $200,000
Worldwide Extra
Limit: $300,000
Total disability in means of public transport
Africa
Limit: % as per scale in policy document
Asia
Limit: % as per scale in policy document
Europe Basic
Limit: % as per scale in policy document
Worldwide Basic
Limit: % as per scale in policy document
Europe PlusRecommended
Limit: % as per scale in policy document
Worldwide Plus
Limit: % as per scale in policy document
Worldwide Extra
Limit: % as per scale in policy document
Personal liability
Advance of bail bond
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $3,000
Worldwide Basic
Limit: $3,000
Europe PlusRecommended
Limit: $3,000
Worldwide Plus
Limit: $10,000
Worldwide Extra
Limit: $10,000
Personal civil liability
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $100,000
Worldwide Basic
Limit: $300,000
Europe PlusRecommended
Limit: $100,000
Worldwide Plus
Limit: $300,000
Worldwide Extra
Limit: $300,000
Legal defence abroad
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $3,500
Worldwide Basic
Limit: $3,500
Europe PlusRecommended
Limit: $3,500
Worldwide Plus
Limit: $5,000
Worldwide Extra
Limit: $5,000
Cancellation or curtailment
Journey cancellation
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $1,500
Worldwide Basic
Limit: $2,000
Europe PlusRecommended
Limit: $1,500
Worldwide Plus
Limit: $3,000
Worldwide Extra
Limit: $3,000
Journey curtailment
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $1,500
Worldwide Basic
Limit: $2,000
Europe PlusRecommended
Limit: $1,500
Worldwide Plus
Limit: $2,500
Worldwide Extra
Limit: $2,500
Cancellation and curtailment excess
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: $100
Excess: $100
Worldwide Basic
Limit: $100
Excess: $100
Europe PlusRecommended
Limit: $100
Excess: $100
Worldwide Plus
Limit: $100
Excess: $100
Worldwide Extra
Limit: $100
Excess: $100
Losses and delays
Delayed departure
Africa
Limit: $1,500
Asia
Limit: $1,500
Europe Basic
Limit: €1,500
Worldwide Basic
Limit: $1,500
Europe PlusRecommended
Limit: $1,500
Worldwide Plus
Limit: $3,000
Worldwide Extra
Limit: $3,000
Repatriation of family member travelling with the insured
Africa
Limit: Business lounge voucher
Asia
Limit: Business lounge voucher
Europe Basic
Limit: Business lounge voucher
Worldwide Basic
Limit: Business lounge voucher
Europe PlusRecommended
Limit: Business lounge voucher
Worldwide Plus
Limit: Business lounge voucher
Worldwide Extra
Limit: Business lounge voucher
Delayed departure deductible
Africa
Waiting period: 4 hours
Asia
Waiting period: 4 hours
Europe Basic
Waiting period: 4 hours
Worldwide Basic
Waiting period: 4 hours
Europe PlusRecommended
Waiting period: 4 hours
Worldwide Plus
Waiting period: 4 hours
Worldwide Extra
Waiting period: 4 hours
Optional benefits
Winter sports
Africa
Status: Not covered
Asia
Limit: Optional
Status: Optional
Europe Basic
Limit: Optional
Status: Optional
Worldwide Basic
Limit: Optional
Status: Optional
Europe PlusRecommended
Limit: Optional
Status: Optional
Worldwide Plus
Limit: Optional
Status: Optional
Worldwide Extra
Limit: Optional
Status: Optional
Geographical scope of coverage
Africa
Africa
Limit: Covered
Condition: Africa and surrounding islands, excluding country of residence
Asia
Status: Not covered
Europe Basic
Status: Not covered
Worldwide Basic
Status: Not covered
Europe PlusRecommended
Status: Not covered
Worldwide Plus
Status: Not covered
Worldwide Extra
Status: Not covered
Asia
Africa
Status: Not covered
Asia
Limit: Covered
Condition: Asia and surrounding islands
Europe Basic
Status: Not covered
Worldwide Basic
Status: Not covered
Europe PlusRecommended
Status: Not covered
Worldwide Plus
Status: Not covered
Worldwide Extra
Status: Not covered
Europe
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Limit: Covered
Condition: European countries
Worldwide Basic
Status: Not covered
Europe PlusRecommended
Limit: Covered
Condition: European countries
Worldwide Plus
Status: Not covered
Worldwide Extra
Status: Not covered
Worldwide
Africa
Status: Not covered
Asia
Status: Not covered
Europe Basic
Status: Not covered
Worldwide Basic
Limit: Covered
Condition: Worldwide except country of residence
Europe PlusRecommended
Status: Not covered
Worldwide Plus
Limit: Covered
Condition: Worldwide except country of residence
Worldwide Extra
Limit: Covered
Condition: Worldwide except country of residence
Included means the service or benefit is part of the plan.
Limits and conditions are subject to the policy wording.
Read before you buy
Important information
These summaries make the main conditions easier to understand. The full policy wording remains the final reference.
What's not covered
Pre-existing conditions
Existing medical conditions and treatment awaiting diagnosis are excluded unless specifically agreed.
Travel against medical advice
Cover may not apply when travelling against a doctor’s advice or for planned treatment.
High-risk activities
Adventure and winter sports require the applicable optional upgrade.
Eligibility and requirements
Buy before departure
The policy must be purchased before the covered journey starts.
Age eligibility
Available from 3 months to 80 years; special Schengen terms may apply to older travellers.
Destination eligibility
Select the destination area that covers every country on the itinerary.
When something goes wrong
How to get help and make a claim
Keep your policy details accessible and contact assistance as soon as you need support.
-
1
Contact assistance
Contact the assistance team as soon as an emergency occurs.
-
2
Keep supporting documents
Keep receipts, reports, tickets, medical records and confirmation of loss.
-
3
Submit your claim
Submit the claim and supporting documents through the available claims process.
Need to know
Frequently asked questions
Which destination area should I choose?
Choose the area that includes every country you will visit. Europe and worldwide options provide broader destination protection.
What is the excess?
The excess is the amount you may pay toward an eligible claim. It can vary by benefit and destination area.
Can I add winter sports cover?
Winter sports are available as an optional upgrade on eligible plans and attract an additional premium.
How quickly can I get assistance?
Emergency assistance is available 24/7 using the details shown on your policy documents.
Policy wording and updates
This page is a summary. Always review the full terms and conditions before purchase.
Ready when you are
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