Travel insurance policy benefits | Zurich Insurance

Travel Policy Benefits

Policy limits and excess are per person per claim except for personal liability where they apply per policy.

No excess applies to personal accident.


Compare key benefits (please see policy benefits for full details) Basic Standard Extra
Emergency medical expenses £2,000,000 £5,000,000 £10,000,000
Hospital cash/confinement benefit £500 (£10 per day) £1,000 (£20 per day) £15,00 (£30 per day)
Cancellation and cutting short a trip £1,000 £5,000 £7,500
Loss or damage of baggage £1,000 £1,500 £2,500
Baggage single article limit £150 £250 £350
Baggage valuables limit £200 £300 £500
Baggage delay x £100 £300
Loss of passport, driving licence or travel documents £250 £250 £500
Loss or theft of personal money - including money cards, traveller's cheques, tickets or vouchers
(inner limit for cash - age under 15 / age 16 & over)
£200
(£50 / £100)
£500
(£100 / £300)
£500
(£100 / £300)
Travel delay x £300 £500
Missed departure £100 £500 £1,000
Missed connection x £250 £500
Catastrophe, natural disaster and airspace closure
Accommodation & expenses
Cancellation or cutting short a trip
Missed departure / missed connection
x
x
x

£500
£5,000
£500 / £250

£1,000
£7,500
£1,000 / £500

Excess £100 £100 £50
Excess loss of deposit (cancellation and cutting short a trip) £25 £25 £25
Maximum traveller age 74 74 74
Maximum trip duration - Single trip (days) 90 90 90
Maximum trip duration - Annual multi-trip (days) 45 45 62
Maximum total days outside UK - Annual multi-trip 183 183 183
Legal expenses and advice £25,000 £25,000 £50,000
Personal liability £1,000,000 £2,000,000 £2,000,000
Hijack x £500 £1,000
Personal accident
Permanent total disablement - age under 69 / age 70 & over
Death - age under 15 / age 16 & over 
£10,000 / £5,000
£1,000 / £5,000
£25,000 / £12,500
£1,000 / £15,000
£50,000 / £ 25,000
£1,000 / £30,000
Winter sports cover x Optional Optional
Maximum winter sports participant age n/a 64 64
Business travel cover x Optional Optional
Cruise cover x Optional Optional
Golf cover x Optional Optional