TRAVEL INSURANCE
Single Trip and Annual Multi-Trip

Ski Insurance Cover Comparison

Compare the levels of cover of Ski Insurance. The following chart provides a summary of how much you are covered for on each of our Ski Insurance plans. Light Ski Insurance excludes cover for personal belongings with the exception of ski equipment; Standard Ski Insurance is our most opular, fully inclusive, ski insurance; while Premier Ski Insurance offers higher levels of cover on some sections of the insurance.

A Policy Summary and full copy of the Policy Wording can be downloaded here which details what you are and are not covered for.

Sections	Light	Standard	Premier	Excess
Cancellation & Curtailment	€4,500	€4,500	€7,500	€85*
Catastrophe Cover	No Cover	Up to €1,500	Up to €1,500	€75
Withdrawal of Services	€75 per day up to €375	€75 per day up to €375	€75 per day up to €375	N/A
Scheduled Airline Failure	€4,500	€4,500	€7,500	N/A
Medical Expenses	€10,000,000	€10,000,000	€10,000,000	‡ €85*
Hospital Benefit	No Cover	€50 per day up to €1,500	€75 per day up to €2,250	N/A
Mugging Benefit	€50 per day up to €500	€50 per day up to €500	€50 per day up to €500	N/A
Personal Effects & Baggage	No Cover	€2,000	€3,000	€75
Single Item Limit	-	€500	€500
Valuables Limit in Total	-	€500	€500
Travel Documents		€250	€250
Delayed Baggage		€50 per day up to €200	€75 per day up to €300
Personal Money	No Cover	€500	€750	€75
Cash Limit		€250	€300
Cash Limit (under 18)		€100	€125
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	€4,500	€4,500	€7,500	€75
Pet Care	No Cover	€15 per day up to €150	€15 per day up to €150	N/A
Hijack	€75 per day up to €750	€75 per day up to €750	€75 per day up to €750	N/A
Missed Departure	€1,000	€1,000	€1,500	€75
Personal Accident	Maximum €15,000	Maximum €20,000	Maximum €30,000	N/A
Loss of Limbs or Sight	€15,000	€20,000	€30,000
Permanent Total Disablement	€15,000	€20,000	€30,000
Death Benefit (aged 18-65)	€7,500	€10,000	€15,000
Death Benefit (aged 66 - 69)	€3,750	€3,750	€3,750
Death Benefit (aged under 18)	€3,750	€3,750	€3,750
Personal Liability	€2,000,000	€2,000,000	€2,000,000	€150
Legal Expenses	€15,000	€15,000	€25,000	€250
BUSINESS COVER (When appropriate Premium is paid)		Standard	Premier	Excess
Business Equipment	No Cover	€3,000	€3,000	€75
Single Item Limit	-	Up to €750	up to €750
Computer Equipment single item limit	-	Up to €2,000	up to €2,000
Samples	-	Up to €750	up to €750
Delayed Business Equipment	-	€150 per day up to €450	€150 per day up to €450
Emergency Courier of Essential Business Equipment	-	Up to €750	Up to €750
Business Equipment Hire	No Cover	€200 per day to €1,000	€200 per day to €1,000	€75
Business Money	No Cover	Up to €1,500	Up to €1,500	€75
Cash Limit	-	up to €750	up to €750
Employee Replacement	No Cover	Up to €1,500	Up to €1,500	€75
SKI EQUIPMENT (When appropriate Premium is paid)	Light	Standard	Premier	Excess
Ski Equipment	€750	€750	€1,500	€75
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	Up to €375	Up to €375	Up to €375	€75
GOLF COVER (When appropriate Premium is paid)	Light	Standard	Premier	Excess
Golf Equipment	No Cover	€1,500	€1,500	€75
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

‡ €85 or €55,000 for in-patient claims where a PHI discount has been availed of.
* Medical Expenses and Cancellation and Curtailment related Excesses are doubled for persons aged 66 or over.
The excess is the first amount of the claim for each person, each section, and each incident which is payable by you.