TRAVEL INSURANCE
Single Trip and Annual Multi-Trip

Backpacker Insurance Cover Comparison

You can download a Policy Summary and full copy of the Policy Wording which details what you are and are not covered by clicking here.
The following Schedule of Cover shows the level of cover for each section of the insurance. Conditions apply to each section and these can be found in the Policy Wording.

 

Sections	Light	Standard	Premier	Excess
Cancellation & Curtailment	€2,000	€2,000	€5,000	‡ €90
Withdrawal of Services	€30 per day up to €300	€30 per day up to €300	€75 per day up to €1,000	N/A
Scheduled Airline Failure	€2,000	€2,000	€5,000	N/A
Medical Expenses	€5,000,000	€5,000,000	€10,000,000	‡ €90
Hospital Benefit	No Cover	€50 per day up to €500	€75 per day up to €1,500	N/A
Mugging Benefit	€30 per day up to €300	€60 per day up to €600	€60 per day up to €600	N/A
Personal Effects & Baggage	No Cover	€1,500	€3,000	€90
Single Item Limit		€375	€750
Valuables Limit in Total		€375	€750
Travel Documents		€300	€375
Delayed Baggage		€50 per day up to €200	€75 per day up to €300
Personal Money	No Cover	€300	€750	€90
Cash Limit		€150	€375
Cash Limit (under 18)		€75	€150
Travel Delay	€20 for the first 12 hour period, €20 for each additional 12 hour period up to €300	€20 for the first 12 hour period, €20 for each additional 12 hour period up to €300	€30 for the first 12 hour period,€30 for each additional 12 hour period up to €450	N/A
Holiday Abandonment	€2,000	€2,000	€5,000	€90
Pet Care	No Cover	No Cover	€15 per day up to €150	N/A
Hijack	€50 per day up to €500	€50 per day up to €500	€75 per day up to €750	N/A
Missed Departure	€1,000	€1,000	€1,500	€90
Personal Accident	Maximum €15,000	Maximum €15,000	Maximum €30,000	N/A
Loss of Limbs or Sight	€15,000	€15,000	€30,000
Permanent Total Disablement	€15,000	€15,000	€30,000
Death Benefit (aged 18-46)	€7,500	€7,500	€15,000
Death Benefit (under 18)	€1,500	€1,500	€3,750
Personal Liability	€2,000,000	€2,000,000	€2,000,000	€150
Legal Expenses	€15,000	€15,000	€25,000	€250
SKI EQUIPMENT (When appropriate Premium is paid)	Light	Standard	Premier	Excess
Ski Equipment	€750	€750	€1,500	€90
Owned	€750	€750	€750
Single Item Limit - Owned	€375	€375	€375
Hired	€375	€375	€375
Ski Hire	€30 per day to €300	€30 per day to €300	€30 per day to €300	N/A
Ski Pack	€100 per day to €400	€100 per day to €400	€100 per day to €400	N/A
Piste Closure	€30 per day to €300	€30 per day to €300	€30 per day to €300	N/A
Avalanche Closure	€375	€375	€375	€90
GOLF COVER (When appropriate Premium is paid)	Light	Standard	Premier	Excess
Golf Equipment	No Cover	€1,500	€1,500	€90
Single Item Limit - Owned		€375	€375
Golf Hire	No Cover	€50 per day to €200	€50 per day to €200	N/A
Green Fees	No Cover	€50 per day to €400	€50 per day to €400	N/A

‡ €90 or €55,000 for in-patient claims where a PHI discount has been availed of.
The excess is the first amount of the claim for each person, each section, and each incident which is payable by you.