Here you can find details of the level of cover offered by our levels of cover. For any queries please refer to your Policy Wording or contact the Fit4Travel team.
| Section | Cover | Bronze | Excess | Silver | Excess | Gold | Excess |
| A | Cancellation or Curtailment | ||||||
| Cancelling or Curtailing your trip | £1,000 | £100 | £2,000 | £75 | £3,000 | Nil | |
| Excursions Limit | £50 | £100 | £100 | £75 | £150 | Nil | |
| B | Emergency Medical and Other Expenses | ||||||
| Emergency medical and other expenses | £5,000,000 | £100 | £10,000,000 | £75 | £10,000,000 | Nil | |
| Additional accommodation and travelling costs | £5,000,000 | £100 | £10,000,000 | £75 | £10,000,000 | Nil | |
| Funeral costs outside the UK / Returning your body to the UK |
£5,000 | £100 | £5,000 | £75 | £5,000 | Nil | |
| Emergency dental treatment limit | £250 | £100 | £250 | £75 | £400 | Nil | |
| C | Hospital Benefit (payment per complete 24-hour period in hospital) |
£20 per 24hrs up to £500 | Nil | £20 per 24hrs up to £1,000 | Nil | £20 per 24hrs up to £1,500 | Nil |
| D | Baggage and Baggage Delay | ||||||
| Baggage limit | £750 | £100 | £1,500 | £75 | £2,500 | Nil | |
| Single article limit | £200 | £100 | £300 | £75 | £500 | Nil | |
| Pair or set limit | £200 | £100 | £300 | £75 | £500 | Nil | |
| Valuables limit | £250 | £100 | £500 | £75 | £750 | Nil | |
| Delayed baggage | £250 | £100 | £250 | £75 | £250 | Nil | |
| E | Personal Money, Passport and Documents | ||||||
| Personal money, passport and documents limits | £300 | £100 | £500 | £75 | £1,000 | Nil | |
| Cash limit | £150 | £100 | £250 | £75 | £500 | Nil | |
| Cash limit under 16s | £50 | £100 | £75 | £75 | £100 | Nil | |
| Passport and documents limit | £200 | £100 | £200 | £75 | £400 | Nil | |
| F | Personal Accident | ||||||
| Personal accident | £5,000 | Nil | £7,500 | Nil | £15,000 | Nil | |
| Death benefit (aged under 15) | £3,500 | Nil | £3,500 | Nil | £3,500 | Nil | |
| Death benefit (aged 16-69) | £5,000 | Nil | £7,500 | Nil | £15,000 | Nil | |
| Death benefit (aged over 70) | £5,000 | Nil | £5,000 | Nil | £5,000 | Nil | |
| Loss of limbs/sight (aged under 15) | £3,500 | Nil | £3,500 | Nil | £3,500 | Nil | |
| Loss of limbs/sight (aged 16-69) | £5,000 | Nil | £7,500 | Nil | £15,000 | Nil | |
| Loss of limbs/sight (aged over 70) | £5,000 | Nil | £5,000 | Nil | £5,000 | Nil | |
| Permanent total disablement (aged under 15) |
£3,500 | Nil | £3,500 | Nil | £3,500 | Nil | |
| Permanent total disablement (aged 16-69) | £5,000 | Nil | £7,500 | Nil | £15,000 | Nil | |
| Permanent total disablement (aged over 70) | No cover | Nil | No cover | Nil | No cover | Nil | |
| G | Personal Liability | £2,000,000 | Nil | Up to £2,000,000 | Nil | £2,000,000 | Nil |
| H | Delayed Departure and Trip Abandonment | ||||||
| Delayed departure (per complete 12 hours delay) | £20 per 12hrs up to £200 | Nil | £25 per 12hrs up to £200 | Nil | £40 per 24hrs up to £500 | Nil | |
| Trip abandonment (per complete 12 hours delay) | £1,000 | £100 | £2,000 | £75 | £3,000 | Nil | |
| I | Missed Departure | £1,000 | £100 | £1,000 | £75 | £1,000 | Nil |
| J | Hijack | £2,500 | Nil | £2,500 | Nil | £2,500 | Nil |
| K | Mugging | £250 | Nil | £250 | Nil | £250 | Nil |
| L | Natural Catastrophe | £750 | £100 | £750 | £75 | £750 | Nil |
| M | Extended Kennel and Cattery Cover | £500 | £100 | £500 | £75 | £500 | Nil |
| N | Legal Expenses | ||||||
| Protection limit per insured person | £20,000 | £100 | £30,000 | £75 | £50,000 | Nil | |
| Protection limit per policy | £60,000 | £100 | £60,000 | £75 | £60,000 | Nil |
| Section | Cover | Bronze | Excess | Silver | Excess | Gold | Excess |
| P1 | Winter Sports - Ski Equipment | ||||||
| Limit | £500 | £100 | £500 | £75 | £750 | Nil | |
| Hired | £150 | £100 | £150 | £75 | £250 | Nil | |
| Single article limit | £200 | £100 | £200 | £75 | £400 | Nil | |
| Pair or set of articles | £200 | £100 | £200 | £75 | £400 | Nil | |
| P2 | Winter Sports - Hire of Ski Equipment | ||||||
| Limit | £150 | Nil | £150 | Nil | £250 | Nil | |
| Amount per day | £30 | Nil | £30 | Nil | £50 | Nil | |
| P3 | Winter Sports - Ski Pack | ||||||
| Limit | £300 | Nil | £300 | Nil | £500 | Nil | |
| Lift pass limit | £200 | Nil | £200 | Nil | £300 | Nil | |
| P4 | Winter Sports - Piste Closure | ||||||
| Limit | £300 | Nil | £300 | Nil | £500 | Nil | |
| Amount per day | £30 | Nil | £30 | Nil | £50 | Nil | |
| P5 | Winter Sports - Avalanche Closure | £200 | £100 | £200 | £75 | £500 | Nil |
| O | Cruise Cover | ||||||
| Emergency medical and other expenses | No cover | £10,000,000 | £75 | £10,000,000 | Nil | ||
| Additional emergency medical and other expenses - ship to shore repatriation | No cover | £100,000 | £75 | £100,000 | Nil | ||
| Extended baggage limit | No cover | £1,500 | £75 | £2,500 | Nil | ||
| Extended delayed baggage limit | No cover | £250 | £75 | £500 | Nil | ||
| Extended single article limit | No cover | £150 | £75 | £250 | Nil | ||
| Extended valuables limit | No cover | £200 | £75 | £500 | Nil | ||
| Missed shore limit | No cover | £500 | Nil | £1,000 | Nil | ||
| Payment per missed shore trip | No cover | £50 | Nil | £100 | Nil | ||
| Confinement limit | No cover | £500 | Nil | £1,000 | Nil | ||
| Confinement per day (complete 24hr period) | No cover | £50 | Nil | £100 | Nil | ||
| Excursions limit | No cover | £250 | £75 | £500 | Nil |