COVID-19 Cover is now available on all of our policies! Find out more here.

  • 100+ Sporting Activities Covered
  • 24/7 Emergency Assistance Team
  • Cover Available Up To 18 months
  • Up To £10,000 Cancellation Cover
Cover NameSilverGoldDiamondPlatinumPlatinum Plus
Excess£99£50NilNilNl
Cancellation - If you are unable to go on your trip£3,000£5,000£5,000£7,500£10,000
If your end supplier fails financially before you go on your trip (IPP)N/AN/A£3,000£2,500£2,500
If you departure is delayed per 12 hours£15£20£75£50£50
If you departure is delayed Maximum£150£300£750£500£500
If you miss your departure or onward connection£250£500£1,500£1,000£1,000
If you choose to abandon your travel plans£3,000£5,000£5,000£7,500£10,000
If your end supplier fails financially while you are on your trip (IPP) - Additional CostsN/AN/A£3,000£2,500£2,500
If your end supplier fails financially while you are on your trip (IPP) - Return TransportationN/AN/A£3,000£2,500£2,500
If you are denied boarding on your return journey - Additional Accommodation per 24 hours£40£40£40£40£40
If you are denied boarding on your return journey - Additional Accommodation Maximum£560£560£560£560£560
If you are denied boarding on your return journey - Return Trasnportation Europe£300£300£300£300£300
If you are denied boarding on your return journey - Return Trasnportation Worldwide£500£500£500£500£500
If a major incident happens while you are on your trip - Additional travel expenses to move to a safer areaN/A£1,000£1,000£1,000£1,000
If a major incident happens while you are on your trip - Additional accommodation per 24 hoursN/A£100£100£100£100
If a major incident happens while you are on your trip - Additional accommodation maximumN/A£700£700£700£700
If a major incident happens while you are on your trip - Food and drink per 24 hoursN/A£30£30£30£30
If a major incident happens while you are on your trip - Food and drink maximumN/A£210£210£210£210
If a major incident happens while you are on your trip - Baby essential and/or prescribed medicationN/A£150£150£150£150
If you need emergency medical treatment abroad£5,000,000£7,500,000£10,000,000£10,000,000£10,000,000
If you need to be brought home£200,000£200,000£250,000£200,000£200,000
If you need to be brought home - Body/Ashes£25,000£25,000£25,000£25,000£25,000
If you are buried or cremated abroad£3,000£3,000£5,000£3,000£3,000
If you are admitted to a public hospital per 24 hours£30£50£100£75£75
If you are admitted to a public hospital maximum£300£500£1,000£750£750
If you are taken ill or injured in your home country£1,500£1,500£2,500£1,500£1,500
Curtailment - If you have to cut your trip short£3,000£5,000£5,000£7,500£10,000
If your checked-in baggage is delayed£150£200£300£250£250
If your valuables are lost, stolen or accidentally damaged£200£300£750£500£500
If your other possessions are lost, stolen or accidentally damaged£1,000£1,500£4,000£2,000£2,000
If your gadgets are lost, stolen or accidentally damaged N/A£1,000£3,000£1,000£1,000
If your gadgets are lost, stolen or accidentally damaged - Unauthorised Calls/DaraN/A£1,000£1,000£1,000£1,000
If you cash or event tickets are lost or stolen - Cash£200£250£750£350£350
If you cash or event tickets are lost or stolen - Event Tickets£200£250£750£350£350
If you need emergency travel documents - Replacement document£100£200£300£250£250
If you need emergency travel documents - Travel and accommodation expenses£100£200£300£250£250
If you need legal advice£10,000£25,000£50,000£50,000£50,000
If you are killed, injured or disabled following an accident - Death£5,000£10,000£20,000£15,000£15,000
If you are killed, injured or disabled following an accident - Loss of sight/Loss of limb £10,000£10,000£20,000£15,000£15,000
If you are killed, injured or disabled following an accident - Permanent and total disablement£10,000£15,000£30,000£25,000£25,000
If you are held legally liable for injury or property damage£2,000,000£2,000,000£2,000,000£2,000,000£2,000,000
Cover NameStaycation Single & Multi Trip
Excess£25
Cancellation - If you are unable to go on your trip£2,500
Travel Disruption - If you departure is delayed per 6 hours£50
Travel Disruption - If you departure is delayed Maximum£500
Curtailment - If you have to cut your trip short£2,500
Medical - Repatriation£50,000
Medical - Hospital in-patient benefit per 24 hours£30
Medical - Hospital in-patient benefit maximum£600
Medical - Visitation£5,000
Medical - Return of body or ashes£5,000
Medical - Vehicle and/or possessions repatriation£500
Possessions - Valuables and eletrical items (Single Article Limit £500)£2,500
Possessions - Other possessions (Single Article Limit £500)£2,500
Possessions - Cash£250
Possessions - Event tickets£250
Gadget(s)£1,500
Property Damage£2,500
Unexpected Events - Catastrophe£1,000
Unexpected Events - Beach pollution per 24 hours£50
Unexpected Events - Beach pollution maximum£250
Unexpected Events - Attraction closure per 24 hours£100
Unexpected Events - Attraction closure maximum£600
Unexpected Events - Vehicle breakdown£1,000
Unexpected Events - Event/Booking cancellation£250
Unexpected Events - If you are denied boarding on your return journey - Additional Accommodation per 24 hours£40
Unexpected Events - If you are denied boarding on your return journey - Additional Accommodation Maximum£560
Unexpected Events - If you are denied boarding on your return journey - Return Trasnportation£300
Cover NameBasicStandard
Excess£75£75
Cancellation - If you are unable to go on your trip£1,000£2,500
If you departure is delayed per 12 hours£15£25
If you departure is delayed Maximum£150£250
If you miss your departure or onward connectionN/A£500
If you choose to abandon your travel plans£1,000£2,500
If you are denied boarding on your return journey - Additional Accommodation per 24 hours£40£40
If you are denied boarding on your return journey - Additional Accommodation Maximum£560£560
If you are denied boarding on your return journey - Return Trasnportation Europe£300£300
If you are denied boarding on your return journey - Return Trasnportation Worldwide£500£500
If you need emergency medical treatment abroad£3,000,000£5,000,000
If you need to be brought home£200,000£200,000
If you need to be brought home - Body/Ashes£25,000£25,000
If you are buried or cremated abroad£3,000£3,000
If you are admitted to a public hospital per 24 hours£20£20
If you are admitted to a public hospital maximum£300£300
Curtailment - If you have to cut your trip short£1,000£2,500
If your valuables are lost, stolen or accidentally damaged (Single Article Limit £200)N/A£300
If your other possessions are lost, stolen or accidentally damaged (Single Article Limit £200)£1,000£1,000
If your gadgets are lost, stolen or accidentally damaged N/A£500
If your gadgets are lost, stolen or accidentally damaged - Unauthorised Calls/DaraN/A£500
If you cash or event tickets are lost or stolen - Cash£150£150
If you cash or event tickets are lost or stolen - Event Tickets£150£150
If you need emergency travel documents - Replacement document£75£75
If you need emergency travel documents - Travel and accommodation expenses£75£75
If you need legal advice£7,500£10,000
If you are killed, injured or disabled following an accident - Death£5,000£10,000
If you are killed, injured or disabled following an accident - Loss of sight/Loss of limb £5,000£10,000
If you are killed, injured or disabled following an accident - Permanent and total disablement£5,000£15,000
If you are held legally liable for injury or property damage£2,000,000£2,000,000

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Why Choose Spectrum Travel Insurance?

24/7 Emergency Helpline

100+Activities Covered FREE

Up to
£10m Medical Cover Per Person

Up to
£10,000 Cancellation Cover Per Person