What's covered
The Short Break Insurance 12-month multi-trip travel insurance policy covers you for as many trips as you want to take over a year, so it's perfect for quick jaunts.
We cover over 80 adventure sports and activities from Abseiling and Jet Boating to White Water Rafting and Scuba Diving. - so you can bungee off that bridge or take on that white water with an easy mind.
The Winter Sports option covers your winter sports equipment if it is lost, stolen or damaged during your trip, or for the reasonable hire of winter sports equipment for the rest of your trip or until your winter sports equipment has been returned to you.
Summary of Cover
The following table is only a summary of the main cover limits. You should read the rest of the policy wording for the full terms and conditions.
| Cover type | ||||
|---|---|---|---|---|
| Bronze | Silver | Gold | ||
| Trip duration | 21 days | 31 days | 31 days | |
| Maximum age | 64 | 64 | 64 | |
| Dependent child maximum age | 22 | 22 | 22 | |
| Section 1 | Cancellation | Optional | Included | Included |
| cover limit | £1,000 | £3,000 | £5,000 | |
| Section 2 | Curtailment | Optional | Included | Included |
| cover limit | £1,000 | £3,000 | £5,000 | |
| Section 3 | Personal Accident | Not Covered | Not Covered | £10,000 |
| Death Benefit | £20,000 | £20,000 | ||
| Section 4 | Emergency Medical | £2 million | £5 million | £5 million |
| Emergency Dental | £200 | £1,000 | Not Covered | |
| Funeral Expenses Abroad | £250 | £1,000 | Not Covered | |
| UK Expenses | Not Covered | Not Covered | £1,000 | |
| Section 5 | Additional Hospital Benefit | £10/24hrs £100 max | £15/24hrs £100 max | £15/24hrs £100 max |
| Mugging | Not Covered | £50/24hrs £500 max | £100/24hrs £1,000 max | |
| Section 6 | Baggage & Personal Belongings | Optional | Optional | Included |
| Cover Limit | £1,000 | £1,500 | £2,000 | |
| Total Valuables Limit | £300 | £300 | £400 | |
| Single Item Limit | £100 | £150 | £250 | |
| Delayed Baggage (after 24hrs) | £75 | £100 | £150 | |
| Section 7 | Cash and Documents | Optional | Optional | Included |
| Cover Limit | £300 | £300 | £500 | |
| Cash Limit | £100 | £150 | £250 | |
| Section 8 | Loss of Passport / Driving Licence | £150 | £250 | £350 |
| Section 9 | Travel Delay | Not Covered | £20/12 hrs £100 max | £20/12 hrs £100 max |
| Trip Abandonment (after 24 hrs) |
£1,000 | £3,000 | £5,000 | |
| Pet Care | Not Covered | Not Covered | £20/24 hrs £100 max | |
| Section 10 | Missed Departure | £250 | £500 | £1,000 |
| Section 11 | Personal Liability | £1 million | £2 million | £2 million |
| Section 12 | Legal Expenses | Not Covered | £5,000 | £15,000 |
| Section 13 | Hijack | Not Covered | £1,000 £100/24 hrs | £1,000 £100/24 hrs |
| Section 14 | Winter Sports | Not Covered | Included (max 17 days/year) | Included (max 21 days/year) |
| Sports Equipment | Not Covered | £500 | ||
| Equipment Hire | Not Covered | £300 | ||
| Sports Pack | Not Covered | £300 | ||
| Piste Closure | Not Covered | £300 | ||
| Section 15 | Sports & Activities Level 1 | Included | Included | Included |
| Sports & Activities Level 2 | Optional | Optional | Included | |
| Section 16 | Scuba Diving to 50m | Not Covered | Optional | Optional |
| Scuba Diving Equipment | £1,000 | £1,000 | ||
| Single Item Limit | £300 | £300 | ||
| Equipment Hire | £300 | £300 | ||
| Inability to dive | £25/24hrs. £250 max | £25/24hrs. £250 max | ||
| Section 17 | Business Travel/Work Abroad | Not Covered | Optional | Optional |
| Replacement Employee | £500 | £1,000 | ||
| Business Equipment | £300 | £500 | ||
| Policy Excess | Personal Liability & Legal Expenses | £400 | £200 | £200 |
| Other Claims | £200 | £75 | £50 | |
| Excess Waiver | Optional | Optional | Optional | |
| Enjoy | Not Available | Not Available | Included | |
Please note: Enjoy services do not form part of the insurance contract and these services are arranged separately by Millstream Underwriting Limited.
What we don't cover
A good rule of thumb is to remember that insurance is there for things that might go wrong and will not cover extreme risks such as:
1. Medical conditions that exist before you travel
You can still take out the insurance for other benefits but you should be aware that costs of treatments that you knew were likely or possible before you travel won't be covered.
2. Deliberately put your life in danger
Trekking across the arctic in a t-shirt is not conducive to picking up your pension.
3. Involve alcohol or drugs
Apart from the risks that you take while off your face in a place that you aren't familiar with, you probably won't get your claim paid.
4. HIV or STDs
We know this is a little weird but if you contract STDs or HIV while you are away, these aren't covered. We are working with our insurance partners to review these exclusions.
Policy exclusions
All travel insurance policies have specific exclusions so it's common sense to take the time to read the policy wording carefully, which we take considerable time and care to highlight for you.