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We cover expenses related to accidental bodily injury, death, total disablement, or disappearance. If you become sick, are injured, or require rescue due to shipwreck or abandonment, we will cover:

• Medical, surgical, hospital, and ambulance fees.
• Other diagnostic treatments provided outside the UK or your country of residence.

Yes, we cover the cost of:

• A one-way economy ticket and essential travel/accommodation expenses for up to three people to accompany you back to the UK if needed.
• Repatriation to a suitable National Health Service hospital in the UK (with prior consent).

We cover transportation expenses if you need to return to the UK for the funeral of your spouse or a close blood relative, as outlined in your policy.

You are covered for legal liability in the event of:

• Accidental bodily injury to a third party.
• Accidental damage to or loss of property belonging to a third party.
• Accidental trespass or nuisance.

• Snowsports, windsports, cycling, golf, hiking, running and many more. If you’re injured doing any of these sports and as a result are not able to work, then we will provide you with loss of income coverage.

• You aren’t covered for scuba diving, ice climbing, cave diving, sky diving, base jumping, bungee jumping, foiling sailing, solo climbing, volcano boarding or mountain boarding.

Our policies are annual policies. You are covered for 365 days a year.