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Allianz Global Assistance

Summary of cover

The following table shows the maximum amount we will pay and policy excesses for each section of cover. You should read the policy wording for the full terms and conditions.



Section of cover Maximum amount we will pay
(Standard and Gold cover)
Policy excess
Standard
Gold
Emergency medical and associated expenses
Extra travel and accommodation

Funeral expenses
Hospital benefit
Dental
Excursions
£10 million
Reasonable costs (including up to £25 a day for meals and phone calls)
£2,500
£600 (£20 a day)
£350
Included
£100 NIL
Cancellation or cutting short your trip
Loss of excursions
£5,000*
Included
£100 NIL
Personal belongings
Valuables
Single item, pair or set
Tobacco, alcohol, fragrances
£1,500
£400
£250 max
£100 max
£100 NIL
Personal money
Cash
£1000
£250 (£50 if aged 16 or under)
£100 NIL
Loss of passport £250 NIL NIL
Delayed personal belongings £150 NIL NIL
Missed departure
Within Europe
Outside Europe
 
£600
£1,000
 
NIL
NIL
 
NIL
NIL
Delayed departure
Delay
Abandoning your trip
 
£100 (£25 per 8 hours)
£5,000*
 
NIL
£100
 
NIL
NIL
Personal accident
Death
Permanent loss of sight or limb
Permanent total disablement
 
£30,000 (£1,500 if aged 16 and under)
£30,000
£30,000 (no cover if aged 16 and under or 65 and over)
 
NIL
NIL
NIL
 
NIL
NIL
NIL
Personal liability £2 million £100 NIL
Legal expenses £25,000 NIL NIL
Hijack /mugging
Hijack
Mugging
 
£1,000 (£100 a day)
£1,000 (£100 a day)
 
NIL
NIL
 
NIL
NIL
Catastrophe cover £1000 NIL NIL
Petcare £250 (£25 a day) NIL NIL
Homecare £250 NIL NIL
Airport lounge cover £60 NIL NIL
Additional options
Cruise cover
Cruise connection
- Within Europe
- Outside Europe
Missed port
Cabin confinement
Excursions
 
 
£1000
£750
£1000 (£100 per port)
£300 (£30 per day)
£1000
 
 
NIL
NIL
NIL
NIL
NIL
 
 
NIL
NIL
NIL
NIL
NIL
Winter sports cover
Ski pack
Hire of alternative ski equipment
Ski equipment
- Single article
Piste closure
Avalanche closure
Search and rescue
 
£300
£250 (£25 per day)
£400
£250
£250 (£25 per day)
£200 (£50 per day)
Reasonable costs
 
NIL
NIL
£100
 
NIL
NIL
NIL
 
NIL
NIL
NIL
 
NIL
NIL
NIL
Wedding cover
Wedding clothes
Wedding rings
Wedding video / photographs
 
£1,000 per couple
£1000 per couple
£750 per couple
 
£100
£100
£100
 
NIL
NIL
NIL

Notes

*Cancellation top up
The limit can be increased to £15,000 for each person insured when the extra premium has been paid and this is shown on your policy schedule.

Maximum amount we will pay
The most we will pay for each person insured for each trip, unless it says otherwise.

Cover applicable
The level of cover and optional extra covers you have chosen are shown on your policy schedule. Gold cover is not available on annual multi-trip policies.

Excess
This is the amount we will take off for each person insured, for each section, for each incident claimed for. If you have Gold cover, the excess will not apply.

Medical treatment in your home country
There is no cover for medical costs you pay in your home country, except for emergency dental treatment.

Journey limits (Annual Multi-Trip cover only)
Annual Multi-Trip cover is for short trips of 42 days or less per trip only. There is absolutely no cover offered by this policy whatsoever for trips which are longer than 42 days per trip. This would include not insuring you for any part of a trip that is longer than 42 days in duration.

Winter Sports limits
Winter sports activities are only covered if you are aged 65 or under and have paid the appropriate premium and this is shown on your policy schedule. You will only be covered for up to 90 days (single trip cover) and 22 days (annual multi-trip cover) during the period of insurance (see page 10 of the policy wording).


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