Travel Insurance Explained
To help you get to grips with the ins and outs of Travel Insurance, we have put together this handy glossary defining all of the terms you can expect to see in your policy documents. When reviewing the different policies and providers on the Drewberry website, simply click on a cover term in the table to be taken to its definition and the description of what it will typically cover.
Independent Protection Expert at Drewberry
Accidental Death Benefit
If someone covered by your Travel Insurance policy dies, this cover will pay out a benefit to cover their funeral. This cover can be given on its own or as a joint Accidental Death & Disability Benefit. In certain cases, some hazardous sports and activities are excluded from this type of cover.
Accidental Death & Disability Benefit
If someone covered by your Travel Insurance policy dies, loses a limb or becomes permanently disabled while abroad, this cover will pay out a benefit. In certain cases, some hazardous sports and activities are excluded from this type of cover.
This cover will pay out if the airline you are scheduled to fly with fails either before embarking on your journey or while you are abroad.
Airspace Closure Cover
Airspace Closure Cover insures you in the event that any airport you are supposed to travel from or through on your journey is closed for more than 24 hours from the time on your ticket.
This cover will pay out to compensate you if any of your luggage or personal possessions are damaged, stolen or lost during your travels, provided you have taken the appropriate safety precautions to protect them.
If you are travelling for business reasons, this cover offers additional protection to ensure that your business-related tasks can still be carried out. It can cover a replacement employee as well as replace lost or damaged samples. Depending on your provider and policy’s cover level, this may be an optional cover that can be added to your policy for an additional premium while some providers offer optional Extended Business Cover.
If unforeseen circumstances force you to cancel your holiday or cut it short, this cover will refund you some or all of the price of your holiday. Cancellation cover will also typically cover curtailment and pay out if an emergency causes you to cancel your trip mid-way. Note that this does not cover simply ‘changing your mind’ about the trip, unless this is because of legitimate safety concerns such as a Foreign and Commonwealth Office advisory against travel to your destination.
If an earthquake, explosion, fire, flood, hurricane, storm or similar catastrophe prevents you from following through with your travel plans, your Travel Insurance will pay out a small lump sum to help you make alternative arrangements. This can cover alternative accommodation and means of travel.
This optional cover offers specific protection for you if you are going on a cruise holiday. It will cover such events as missed departure or port, or if you are bedridden during your trip and confined to your cabin.
If your holiday money is stolen or lost while you are abroad, this cover will reimburse you for the money you lost. This cover can also cover traveller’s cheques, event and entertainment tickets, and debit card fraud. Most policies will have a limit on how much you can claim in terms of lost or stolen cash. This cover may be given on its own or as part of Money, Passport & Travel Documents Cover.
If your international flight, train, or boat is delayed, this cover will pay out regular benefits over a period of time up to a maximum limit.
Delayed Baggage Cover
If your bags have been placed on the wrong flight or are somehow delayed in arriving to your destination, your policy will pay out a benefit to keep you covered until your luggage arrives.
Emergency Dental Cover
If you suffer a dental emergency while abroad, this cover will cover the cost of emergency dental treatments. Depending on your provider, this cover may fall under Medical Cover.
Extended Business Cover
This optional cover will provide extra Business Cover protection if you are travelling for business, covering equipment, money, and courier fees.
Extended Activities List
Each Travel Insurance policy has a ‘Sports & Activities List’ which contains a list of activities that are covered by your policy as standard. If you want to cover more activities, some providers offer additional lists that contain more hazardous sports and activities. These can be added to your policy at a cost.
Extended Travel Disruption Cover
This optional extra extends the cover you can claim for cancelling your holiday or having to go home early. Depending on your provider, it may allow you to claim for certain situations that you would not normally get cover, or otherwise increase the cover that you are entitled to in certain situations.
Force Majeure Cover
This will cover some of the cost of accommodation if an uncontrollable event prevents you from returning home, such as a fire, flood, or other acts of nature.
This cover is usually offered as an optional extra. It will pay out if you damage or lose your electronic devices while you abroad, including your phone, electronic tablets, and laptops. Payouts may cover either the cost of repairs (except for repairs required as a result of wear and tear) or potentially replacements if the item is lost or stolen. You must prove that the item belongs to you and was bought in the UK when making your claim.
This optional add-on for your policy will pay out to cover personal and hired golfing equipment while you’re abroad as well as cover non-refundable fees if you need to cancel your golfing plans unexpectedly.
This type of cover will pay out daily benefits if an aircraft, train or sea vessel you are travelling in as a fare-paying passenger is unlawfully seized.
If you are admitted to hospital as an inpatient while abroad, your provider will pay out a small benefit for each night you spend in hospital up to a certain limit.
This cover will pay out to help you cover legal costs if you want to pursue compensation in the event that you suffer injury or illness while you’re abroad. Depending on your provider, this payout may also be accompanied by a service providing legal advice regarding your case.
This cover will pay out to cover the cost of any emergency medical treatment you may need while outside the UK. This payout can also cover additional travel or accommodation costs associated with your treatment.
Missed Departure Cover
Providing you are not to blame for missing your flight, train or boat, your Travel Insurance will pay out to help you afford replacement transportation and temporary accommodation if you miss your scheduled transport. An example of when you would be able to claim this cover is if your car breaks down on the way to the airport.
Money, Passport & Travel Documents Cover
This cover will reimburse if during your travels your money, passport, tickets or essential travel documents are lost or stolen. You will only be able to claim this cover if you have taken the necessary precautions to ensure the safety of your belongings.
This cover will pay out daily benefits to help you afford medical treatment if you sustain injuries as the result of a violent mugging. Depending on your provider, you may be able to claim this cover in addition to or in replacement of a Hospital Benefit.
This cover will pay out if your passport is lost or stolen while you are abroad, helping you afford a fast replacement. This cover can be given on its own or as part of Money, Passport & Travel Documents Cover.
Personal Accident Benefit
You will receive a benefit from this cover if you suffer from an accident abroad that results in the loss of a limb or limbs, a loss of sight, or a permanent physical disability. This cover can be given on its own or as a joint Accidental Death & Disability Benefit. In certain cases, some hazardous sports and activities are excluded from this type of cover.
Personal Liability Cover
If an event occurs that you are legally liable to pay for, such as damage to another person’s property or accidental injury, your Travel Insurance will pay out to help you cover the costs associated.
Pet Care Cover
If you are delayed from coming home and have a pet that is being cared for by a kennel or cattery, your Travel Insurance will cover the cost of extending your pet’s stay until you are able to return home.
Replacement Prescription Cover
If your prescribed medication is lost or stolen while you are abroad, your policy will pay out for you to replace them.
Scuba Diving Cover
If you intend to go scuba diving, this cover will extend the diving depth you can reach while still being covered by your policy. If you choose an Aviva policy, the diving depth you are covered for will be extended from 15 meters to 30 meters, providing you hold the appropriate qualifications.
If your transport, accommodation, or entertainment provider becomes insolvent, your Travel Insurance will pay back any irrecoverable payments you made in advance as well as help you cover the costs involved in rectifying the situation.
Travel Documents Cover
This cover will reimburse if during your travels your passport, tickets or essential travel documents are lost or stolen. You will only be able to claim this cover if you have taken the necessary precautions to ensure the safety of your belongings. This cover can be given on its own or as part of Money, Passport & Travel Documents Cover.
UK Physiotherapy Cover
If you are injured while abroad and require continued treatment when you return to the UK, your insurer will cover a limited number of physiotherapy sessions in the UK to continue your treatment.
This cover will protect you and your partner if you intend on getting married abroad, cover the cost of your attire, wedding bands and gifts as well as your photographs and videos of the event.
Winter Sports Cover
This add-on extends your policy’s cover to include winter sports. This means that you will be able to receive compensation for bought or rented equipment and pre-paid ski packs and passes. You can also claim for piste closure and ski lift passes.