Premium travel insurance: limits, eligibility and exclusions compared

£650/year card fee. Insurance included; this is not a standalone insurance premium.

£18/month (£216 for 12 months); packaged account also includes mobile phone and breakdown cover.

£19/month (£228 for 12 months); £23/month (£276) with the family add-on. Minimum subscription term applies.

£39/month (£468 for 12 months); Premier account eligibility applies. Rewards are not deducted from this fee comparison.

Current UK subscriptions page: £16.99/month (£203.88 for 12 monthly payments). This is not a verified annual-billing price. 12-month renewable plan; early-exit charges may apply. Older retrieved legal schedules differ; confirm your checkout offer.

Current UK subscriptions page: £60.00/month (£720.00 for 12 monthly payments). This is not a verified annual-billing price. 12-month renewable plan; early-exit charges may apply. Older retrieved legal schedules differ; confirm your checkout offer.

Europ Assistance for medical and cancellation benefits; Chubb for specified other protections.

Aviva Insurance Limited.

Zurich Insurance Company Ltd; assistance administered by selected service providers.

AWP P&C S.A., administered by Allianz Assistance, in the October 2026 booklet.

Chubb European Group SE under the retrieved UK Metal policy.

Chubb European Group SE under the retrieved UK Ultra travel policy; separate trip-cancellation terms also apply.

Main and supplementary cardmembers, their partners and dependent children under 25; independent travel included, subject to eligibility.

Account holders, live-in partner and dependent children under 23 at trip start; independent travel included. UK residency and GP conditions apply.

Individual by default; paid family option covers named partner and financially dependent unmarried children 19 or under, or 21 or under in full-time education. Independent travel included; family limit aggregation not verified.

Account holder, cohabiting partner and dependent unmarried children under 18, or under 23 in full-time education; residence rules apply. Independent trips permitted with holder’s knowledge and consent.

Holder, partner travelling with holder, dependent unmarried children under 18 or under 23 in full-time education. Help specifies 12 months’ cohabitation for partner.

Holder, partner travelling with holder, dependent unmarried children under 18 or under 23 in full-time education. Help specifies 12 months’ cohabitation for partner.

Emergency medical assistance and expenses exclude anyone aged 70 or over at any time during the trip. Other sections have their own rules.

Not verified

Check the current Aviva eligibility wording for all insured ages; do not rely on historic FlexPlus age-upgrade rules.

Maximum age 70 inclusive. On turning 71, cover continues only until the next plan anniversary.

Under 70 standard. Age-extension upgrade and medical questions required at 70 or over; extra premium may apply.

Under 76 when each holiday begins (75 inclusive).

Under 76 at the start of each holiday (75 inclusive).

90 days per trip and 240 days in 12 months; eligible dependent-child gap year can extend one trip to 365 days.

31 days standard; paid longer-trip upgrade available up to 120 days. Without it, incidents after day 31 are not covered.

45 consecutive days. If the trip exceeds 45 days, no part of that trip is covered.

90 days standard; 31 days for trips involving winter sports. A trip-extension upgrade may be agreed.

First 30 consecutive days of a holiday; this is shorter than Ultra’s 90-day benefit.

First 90 consecutive days of a holiday.

£2 million necessary medical, surgical and hospital costs; necessary repatriation/evacuation costs. Emergency dental: £1,000.

£10 million per insured person for emergency medical expenses; section exclusions and excess apply.

£10 million per claim outside the UK; emergency dental £500. UK trips have separate eligibility and no overseas-medical benefit.

£10 million outside your home area; emergency dental £1,000. Emergency medical within the home area: £10,000.

£10 million per person; £0 excess for medical expenses. Emergency dental £300, with 10% excess.

£10 million per person; £0 medical-expenses excess. Emergency dental £300 with 10% excess.

£7,500 per insured person for eligible unused travel, accommodation and pre-booked activities; relevant costs must meet Card-account payment/booking conditions.

£5,000 per insured person; paid cancellation upgrade can increase to £7,500 or £10,000.

£5,000 per claim under the policy benefit table; insured events and exclusions apply.

£10,000 under the summary of cover; per-insured-person policy conditions apply.

£5,000 per person for covered reasons; 10% claim deduction, capped at £50.

Separate Qover-administered protection: insured reason £5,000 per claim and annually, £50 excess; any reason reimburses 70%, capped at £2,500 per claim / £5,000 annually. Help-page limits, not verified per person; full separate wording/underwriter not retrieved.

£7,500 total per insured person for eligible return/resumption travel and unused trip costs together; not £7,500 for each category. Card-account conditions apply.

£5,000 per insured person for eligible travel disruption costs; upgrade options can increase the insured limit.

£5,000 per claim under the policy benefit table.

£10,000 curtailment; unused trip costs also listed at £10,000, not an automatic additive £20,000 entitlement.

£5,000 per person for eligible unused non-refundable costs; 10% deduction capped at £50.

£5,000 per person for eligible unused non-refundable costs when cutting a trip short; 10% deduction capped at £50.

£2,000 total; £500 single item/pair/set. Money and travel documents: £500, with £50 money limit for children under 16.

£1,500 per person; £300 single item/pair/set; £500 valuables. Personal money: £500 (£100 cash if under 16).

Baggage £750; valuables £750; personal money £250; travel documents £300; business equipment £500 (per-claim limits).

£2,500 total; £400 single item/pair/set; £1,000 valuables. Personal money £500 for age 18+, £100 for under 18.

£1,000 per person, £250 per item; 10% deduction capped at £50. Delayed baggage: £400 with receipts or £200 without, after 4 hours outbound.

£1,000 per person, £250 per item; 10% deduction capped at £50. Outbound delay after 4 hours: £400 with receipts or £500 without.

£50 for cancellation/curtailment and personal belongings. Not a uniform excess for every section.

Usually £50 per insured person, per incident, per trip; some benefits have no excess.

£50 per claim for cancellation, baggage and emergency medical; some delay/assistance benefits have no excess.

£75 for cancellation, curtailment, medical, baggage and personal money. Passport and baggage delay have no excess.

Medical £0; cancellation, curtailment and belongings 10%, maximum £50. Other benefits differ.

Medical £0; curtailment and belongings 10%, maximum £50. Separate cancellation benefit has separate rules.

Pre-existing conditions excluded except those permitted by the accepted-conditions rules; check the official accepted list and restrictions before booking.

Contact the insurer for medical screening and acceptance of conditions outside automatic cover. An additional premium may apply.

Claims arising directly or indirectly from pre-existing medical conditions are excluded; do not assume medical screening can buy cover.

Disclose pre-existing conditions you want covered and obtain acceptance; additional premium may apply. Contact insurer after a new diagnosis before new trips.

Pre-existing medical conditions excluded under the policy definition; check its look-back and medical-advice exclusions.

Pre-existing medical conditions excluded under the travel policy definition; check separate cancellation exclusions too.

Only accepted sports/activities are covered, subject to policy restrictions. Check the accepted list for the specific winter sport or cruise activity.

Winter sports included subject to the activity wording. Standard cruise travel and optional extended cruise-specific benefits are different; check whether you need the paid upgrade.

Cruises included in the trip definition; winter sports section included with activity exclusions. Winter sports equipment/hire limit £750.

Winter sports included but limited to 31 days per trip unless extended. Cruises included, but missed ports/excursions due to itinerary changes are excluded; not a cruise-specialist policy.

Winter sports included for eligible activities; exclusions apply. Check cruise-specific risks rather than assuming all disruption is covered.

Winter sports included for eligible activities during covered trips; activity exclusions and rescue limits apply. Cruise-specific benefits need checking.

Card must be activated. Cancellation/curtailment require qualifying Card Account purchases (wording allows specified non-acceptance exceptions). Do not apply a blanket card-payment rule to medical cover; belongings also have their own conditions.

Maintain an eligible FlexPlus account. Arrange necessary medical acceptance, longer-trip or cancellation upgrades before relying on cover.

Join before the trip starts; a journey already in progress is not covered. UK trip must be over 100km from home with at least two pre-booked paid overnight stays.

Valid eligible Black account, planned return home and required medical/age upgrades. Cover confirmation can be requested before travel.

Pay at least 75% of primary transport AND accommodation directly with the Metal account, where applicable. Current help requires eligible plan when booking and throughout the trip; keep payment evidence and check your in-app policy version.

Travel: pay at least 75% of primary transport AND accommodation directly with Ultra; eligible plan when booking through return. Separate cancellation: Ultra purchase through official merchants, cancel at least one day before start. Check your in-app policy version.