Travel Pack

What’s covered

Ongoing worldwide cover – trips up to 31 days long in the UK and abroad are covered with no need to tell us where you’re going

You and your partner up to the age of 79 when the trip starts

Your dependent children (including step- and foster children) under 23 – as long as they're travelling with you and/or your nominated partner, or travelling on their own to visit and stay with close relatives who live abroad

Emergency medical treatment for sudden and unexpected illness or injuries – up to £10,000,000

Unexpected travel costs – up to £5,000 for unexpected additional travel and accommodation costs if your plans are disrupted (like missing a connecting flight because the transit airport is closed or your flight is diverted), and up to £250 if your pre-booked transport is delayed for longer than 12 hours

Up to £5,000 for each person if you need to cancel your trip or come home early for an insured reason e.g. illness or injury, or the Foreign, Commonwealth & Development Office (FCDO) advise against all, or all but essential travel to your destination

Your belongings – up to £1,500 if your personal belongings are lost, stolen or damaged during your trip

Holidays including winter sports and cruises, travel for personal reasons, and cover for business trips outside the UK for non-manual work like meetings and conferences, is included as standard

You'll also be covered for volunteering, charity and conservation work trips, and fundraising for registered charities and conservation organisations

Comprehensive breakdown cover in the UK and Europe, with unlimited callouts for you and your nominated partner 

You'll be covered at home and on the road, and if your vehicle can't be fixed there, it'll be towed to a garage or to wherever you need to go 

To help you complete your journey, you'll get a hire vehicle, alternative transport (for example, a train or plane) or overnight accommodation 

What’s not covered

Any trip which started, or any event which occurred, before you bought this Pack

Travel delays, if your transport is delayed by less than 12 hours

Costs where you have a right to recover from your travel and/or accommodation provider or agent, your debit/credit card company, PayPal, ABTA, ATOL or an insolvency administrator

Trips that don't start and end in the UK. Trips in the UK are only covered if you’re away from home for at least two consecutive nights and have pre-booked your holiday accommodation in a commercially run premises or have pre-paid flights or ferry crossings

Trips over 31 days – unless you purchase an extension to your cover

Any trip booked through a school, college or university

Any claim where the event, incident or circumstances already existed when you became a Pack holder or booked your trip (whichever is later). For example, an airport strike that's been reported in the media, where the FCDO has issued an advisory notice, or you’re aware of the serious illness of a close relative, travelling companion, or person you were travelling to stay with which could reasonably be expected to affect your travel plans

Any claim where you don’t follow the advice of local authorities in the area you’re staying, for example by observing curfews, quarantine measures and avoiding public gatherings or demonstrations

Any breakdown or collision that happened before you had the comprehensive RAC breakdown cover (in the UK and Europe) 

The cost of parts