Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded under 'Key Information' below.

This cover does not apply to trips within the United Kingdom. No cover is provided under this section if you purchase a Silver policy.

A sudden, unexpected and specific event, external to the body, which occurs at an identifiable time and place.

Loss of Limb
Permanent loss by physical separation at or above the wrist or ankle or permanent and total loss of use of a limb.

Loss of sight
Physical loss of one or both eyes or the loss of a substantial part of the sight of one or both eyes. A substantial part means that the degree of sight remaining after the accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale a person can see at 3 feet something that a person who has not suffered loss of sight should be able to see at 60 feet).

Permanent total disablement
The inability of an insured person to continue in any occupation for which they are fitted by way of training, education or employment which in all probability will continue for the rest of their life.

Personal Liability Cover

Please note: This cover does not apply to trips within the United Kingdom.

We will pay up to the total amount shown in the table of benefits if, during an insured trip, you are legally liable for accidentally injuring someone; or damaging or losing someone else's property.