Travel insurance policy wording
Sample travel insurance policy wording (PDF 777KB)
Travel insurance policy details
Be clear on what your travel insurance includes and read our sample policy document here. Just click the link below to view, save or print information on the policy features, benefits, cover levels and limits.
This is a sample document. Please log in to your AXA Account to view your own policy document.
Travel insurance policy limits
Maximum cover limits
Limits below represent the maximum cover limit available in the event of a claim, per person:
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Maximum trip length (days) | 40 | 35 | 30 |
| Minimum UK trip length (nights) | 2 | 2 | 2 |
| Excess applied per incident per person | £50 | £100 | £150 |
Cancelling or cutting short your trip
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Cancelling or cutting short your trip | £5,000 | £2,500 | £1000 |
| Pre-paid charges | £300 | £250 | £200 |
| Travel abandonment | £5,000 | £2,500 | £1,000 |
Medical emergency and repatriation expenses
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Medical emergency and repatriation (total) | £15,000,000 | £10,000,000 | £10,000,000 |
| Emergency dental treatment | £1,000 | £750 | £500 |
| Hospital benefit (total) | £2,000 | £1,200 | £1,000 |
| Hospital benefit (daily) | £50 | £30 | £25 |
| Meal expenses (total) | £200 | £150 | £100 |
| Meal expenses (daily) | £10 | £7.50 | £5 |
Disruption or delay to travel plans
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Disruption or delay to travel plans (total) | £5,000 | £2,500 | £1,000 |
| Delayed departure (total) | £125 | £100 | £50 |
| Delayed departure (after 12hrs) | £50 | £40 | £20 |
| Delayed departure (for each additional 12hrs) | £25 | £20 | £10 |
| Missed departure | £1,500 | £1,000 | £500 |
Personal belongings and money
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Personal belongings and money (total) | £2,500 | £2,000 | £1,500 |
| Single item limit | £500 | £250 | £200 |
| Total valuables limit | £500 | £250 | £200 |
| Delayed baggage | £250 | £150 | £100 |
| Important documents | £500 | £300 | £250 |
| Personal money | £750 | £500 | £250 |
| Cash (over 16s) | £500 | £300 | £200 |
Legal and liability
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Personal liability | £2,000,000 | £1,500,000 | £1,000,000 |
| Legal expenses and assistance | £25,000 | £15,000 | £5,000 |
Personal accident
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Death (under 16s) | £2,500 | £2,500 | £2,500 |
| Death (16-64s) | £15,000 | £10,000 | £5,000 |
| Death (over 64s) | £2,500 | £2,500 | £2,500 |
| Loss of sights or limbs | £30,000 | £20,000 | £10,000 |
| Permanent total disablement | £30,000 | £20,000 | £10,000 |
Cruise cover upgrade (optional)
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Cabin confinement (total) | £2,000 | £1,200 | £1,000 |
| Cabin confinement (daily) | £50 | £30 | £25 |
| Additional pre paid charges cover | £300 | £250 | £200 |
| Additional baggage limit | £2,500 | £2,000 | £1,500 |
| Additional valuables limit | £500 | £250 | £200 |
| Additional single article limit | £200 | £250 | £500 |
Winter sports (optional)
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Ski equipment (total) | £1,500 | £1,500 | £1,500 |
| Ski equipment single item limit | £500 | £500 | £500 |
| Ski equipment hire (total) | £300 | £300 | £300 |
| Ski equipment hire (daily) | £30 | £30 | £30 |
| Ski Pack cover | £500 | £500 | £500 |
| Lost lift pass | £150 | £150 | £150 |
| Piste closure (total) | £100 | £100 | £100 |
| Piste closure (daily) | £20 | £20 | £20 |
Golf cover (optional)
| Cover item | Gold | Silver | Bronze |
|---|---|---|---|
| Golf equipment (total) | £1,500 | £1,500 | £1,500 |
| Hire of golf equipment (total) | £200 | £200 | £200 |
| Hire of golf equipment (daily) | £40 | £40 | £40 |
| Green fees (total) | £1,000 | £1,000 | £1,000 |
| Green fees (daily) | £200 | £200 | £200 |