Regular and Comprehensive Travel Insurance Policies Comparison Guide

04 Aug 2015 by Olga Brighton

Travel Insurance Tips

Once you’ve decided to purchase travel insurance for your trip, the next important task for you to do is choosing the right policy. The levels of cover vary from one insurance provider to another, so don’t rely on the policy name only. This simple comparison guide will help to tell the difference between Regular and Comprehensive travel insurance policies.

The comparison table below shows the main policy features and maximum amount of money that may be deducted as excess off to you if you have to make a claim.

An important term of any travel insurance policy is the excess level of every feature it covers. To put it simply, the excess is the minimum set amount of money that any claim will need to be valued at or above order to get compensated. For example, if you get any item of your personal possessions damaged whilst travelling and you need to pay £35 to fix it, the insurance provider won’t compensate the repair because the minimum amount of money that need to be spent within this feature is £40. Any spending that is above that level should be compensated if it suits the policy conditions.

	Regular Travel Insurance	Comprehensive Travel Insurance
Trip Cancellation or Curtailment	Up to £1,500 in total Excess: £40	Up to £4,000 in total Excess: £50
Emergency Medical Repatriation & Other Expenses	Up to £5,000,000 in total Excess: £40	Up to £10,000,000 in total Excess: £50
Personal Possessions	Up to £1,000 in total Excess: £40	Up to £3,000 in total including Excess: £50
Personal Money, Passports and Documents	Up to £250 (£125 if under 18 in total), cash limit carried on any one Insured Person £100 (£50 if under 18) in total. Excess: £40	Up to £750 (£250 if under 18 in total), cash limit carried on any one Insured Person £250 (£100 if under 18) in total. Excess: £50
Hospital Confinement Benefit	Up to £10 per day up to a Maximum of £500 in total Excess: Nil	Up to £50 per day up to a Maximum of £500 in total Excess: Nil
Missed Departure	Up to £300 in total Excess: Nil	Up to £1,000 in total Excess: Nil
Personal Liability including	Up to £2,000,000 in total Excess: Nil	Up to £2,000,000 in total Excess: Nil
Travel Delay	Not Covered	Up to £20 first 12 hours, £10 for each additional 12 hr period up to a maximum of £100 in total Excess: Nil
Delayed Baggage (excess of 12 Hours)	Not Covered	Up to £150 in totalExcess: Nil

Always remember to read your chosen policy terms and conditions before you go. It is more than frustrating to be covered for a certain mishap occurring to you abroad but not to be paid just because you missed some small detail of your policy. Sure, fine print isn’t the most exciting thing to read but it is a must to confirm the terms and conditions of the policy. Besides, travel insurance provider representatives are usually happy to help in clarifying anything you don’t understand.

Choose your policy wisely and travel safe!