Our key objective is to help travellers who are travelling to high-risk destinations to get the travel insurance they want and need for their journey.

To ensure you take out the appropriate travel insurance solution, we have created this comparison page, so that you can view cover levels side-by-side, making it simpler for you to make the right choice.

		Standard	Enhanced	Excess
Section A: Medical+ & Specialist High Risk Cover
A1	Emergency Medical Expenses	£300,000	£1,000,000	£250
A2	Emergency Medical Repatriation/Evacuation**	£300,000	£1,000,000	Nil
A3	Political and Natural Disaster Evacuation Expenses ** †	£5,000	£10,000	£250
A4	Return trip (following covered emergency medical evacuation) **	£2,500	£5,000	£250
A5	Visitor to Bedside – Travel & Accommodation Expenses	£2,500	£5,000	£250
A6	Additional Accommodation, Food & Travel Costs Limit (per day)	£2,500 (£100)	£5,000 (£100)	£250
A7	Emergency Dental Treatment	£250	£500	£100
A8	Physiotherapy, Chiropractor, Osteopath or Chiropodist	£1,000	£1,500	£250
A9	Personal Accident *** Scale of Benefits Common carrier accidental death (public scheduled plane, train or ferry) Accidental Death Permanent total disablement Loss of 2 or more limb(s) or eyes Total loss of one limb or one eye	£10,000 £10,000 £7,500 £5,000 £5,000 £5,000	£15,000 £15,000 £11,250 £7,500 £7,500 £7,500	Nil
A10	Identification of remains & repatriation of remains or overseas burial/cremation	£10,000	£25,000	Nil
A11	Hospitalisation Benefit Limit (per day)	£1,000 (£100)	£2,500 (£100)	Nil
A12	PTSD assessment and counselling following a covered hostile event **	£1,000	£2,500	Nil
A13	Hijack, mugging, piracy and wrongful detention limit (per day)	£1,000 (£100)	£2,500 (£100)	Nil
Section B: Cancellation, Curtailment and ‘Get-you-there’ Expenses
B	Cancellation, Curtailment and ‘Get-you-there’ Expenses	£1,500	£1,500	£250
Section C: Baggage, Personal Effects, Equipment & Important Travel Documents
C1	Baggage, Personal Effects & Equipment Owned by You for Loss or Theft Limit Photographic equipment limit Single item/pair/set limit Maximum valuables and electronic equipment Delayed baggage emergency purchases (after 12 hours)	£1,500 £250 £250 £500 £100	£1,500 £250 £250 £500 £100	Nil
C2	Loss of Passport & Travel Documents	£500	£500	£50
Section D: Activity Cover
D	(please refer to pg.26)	Included	Included	250

 

* Maximum Excess Payable by Each Person, Each Incident.

** Must be Pre-Authorised by Our Nominated Emergency Assistance Service.

*** This section is replaced by and is not applicable if Enhanced Personal Accident Option selected below.

† The policy limit of cover for this section may be increased to a maximum of £15,000 if You have purchased the Standard Level of Cover or £30,000 if You have purchased the Enhanced Level of Cover, subject to payment of the appropriate additional premium as shown on Your Schedule.

Please note:

All Excesses above will be increased by a factor of x2 if You have selected the Double Excess Option, and the applicable Excess Option is shown in Your Schedule.

To view the full policy wording and cover limits, click here.

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Looking for additional cover?

We also have options available for you to add to your High Risk Voyager policy to extend your cover, upon payment of additional premium.

These Options include:

• Optional Enhanced Personal Accident
• Optional Personal Liability & Legal Expenses
• Optional Trip Interruption & Disruption Coverages
• Optional Winter Sports Cover

		Applicable to both levels of cover	Excess
Optional Enhanced Personal Accident
E1	Personal Accident Principal Sum Scale of Benefits:  Accidental death due to kidnapping or hijack Permanent total disablement Paralysis - Quadriplegia, Paraplegia, Hemiplegia Loss of 2 or more limbs Permanent entire loss of sight in both eyes Permanent entire loss of hearing in both ear Disappearance due to expose to elements (after 1 year) Accidental Death Permanent entire loss of sight in one eye Permanent entire loss of hearing in one ear Permanent entire loss of speech Additional Spousal & Support Benefits Home modification benefits Dependent child benefit	£25,000 % of Principal Sum 200% 100% 100% 100% 100% 100% 100% 50% 50% 50% 50%   £10,000 £2,500	Nil
E2	Optional Increase for Personal Accident to Principal Sum	£100,000	Nil
Optional Personal Liability & Legal Expenses
F1	Personal Liability Injury to person Damage to property	£50,000 £250,000	£250 £250
F2	Legal Expenses and Assistance	£10,000	£250
Optional Trip Interruption & Disruption Coverages
G1	Missed Departure, Connection & Transport Diversion	£1,500	£250
G2	Travel delay - Documented expenses for overnight accommodation and food Limit (per day) Abandonment after a 24 hours delay	£500 (50) £500	Nil £100
G3	Alteration of Itinerary	£1,500	£250
Optional Winter Sports Cover
H	Optional Winter Sports Cover (please refer to pg. 32)	Extension	£250

 

Please note:

All Excesses above will be increased by a factor of x2 if You have selected the Double Excess Option, and the applicable Excess Option is shown in Your Schedule.

To view the full policy wording and cover limits, click here.

To find out more information about each of these Options, please visit our Policy Options page.

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For Business Trips up to 365 days cover (can include up to 31 days of Leisure cover)

Or Leisure Only Trips up to 31 Days Cover*: *For Leisure trips ONLY, no War Cover is provided under this policy.