Backpacker Travel Insurance Levels of Cover

The following comparisons are for guidance only and must be read and checked
with the Policy Schedule.

Light | Standard | Premier

Light
Cover	Level	Excess
Cancellation	€2,000	€90
Curtailment	€2,000	€90
Catastrophe Cover	N/A (Available on Premier )
Withdrawal of Services	€30 per day up to €300
Schedule Airline Failure	€2,000	None
Medical Expenses	Up to €5 million	€90
Hospital Benefit	N/A (Available on Standard & Premier )
Mugging Benefit	€30 per day to €300	None
Personal Effects & Baggage	N/A (Available on Standard & Premier )
Personal Money	N/A (Available on Standard & Premier )
Travel Delay	€20 for first 12 period, €20 per each additional; 12 hour period, up to €300	None
Holiday Abandonment	€2,000	€90
Pet Care	N/A (Available on Premier)
Hijack	€50 per day up to €500	None
Missed Departure	€1,000	€90
Personal Accident	Max. €15,000	None
- Loss of Limbs or Sight	€15,000
- Permanent Total Disablement	€15,000
- Death Benefit (18-65)	€7,500
- Death Benefit (65-69)	€1,750
- Death Benefit (under18)	€1,750
Personal Liability	up to €2 million	€150
Legal Expenses	Up to €15,000	€250

Wintersports Cover (Discovery Ski Only)
Ski Equipment	Up to €750	€90
- Owned	Up to €750
- Single item Limit (Owned)	Up to €375
- Hired	Up to €375
Ski Hire	€30 per day up to €300	None
Ski Pack	€100 per day up to €400	None
Piste Closure	€30 per day up to €300	None
Avalanche Closure	Up to €375	€90

Standard
Cover	Level	Excess
Cancellation	€2,000	€90
Curtailment	€2,000	€90
Catastrophe Cover	€1,500	€90
Withdrawal of Services	€75 per day up to €375	None
Schedule Airline Failure	€2,000	None
Medical Expenses	Up to €10 million	€90
Hospital Benefit	€50 per day up to €1,500	None
Mugging Benefit	€50 per day to €500	None
Personal Effects & Baggage	€1,500	€90
- Single Item Limit	€375
- Valuables Limit in Total	€375
- Travel Documents	€300
- Delayed Baggage	€50 per day up to €200
Personal Money	€300	€90
- Cash Limit	€150
- Cash Limit (under 18)	€75
Travel Delay	€20 for first 12 period, €20 per each additional; 12 hour period, up to €300	None
Holiday Abandonment	€2,000	€90
Pet Care	N/A (Available on Premier)
Hijack	€50 per day up to €500	None
Missed Departure	€1,000	€90
Personal Accident	Max. €15,000	None
- Loss of Limbs or Sight	€15,000
- Permanent Total Disablement	€15,000
- Death Benefit (18-65)	€7,500
- Death Benefit (65-69)	€1,750
- Death Benefit (under18)	€1,750
Personal Liability	up to €2 million	€150
Legal Expenses	Up to €15,000	€250

Wintersports Cover (Discovery Ski Only)
Ski Equipment	Up to €750	€90
- Owned	Up to €750
- Single item Limit (Owned)	Up to €375
- Hired	Up to €375
Ski Hire	€30 per day up to €300	None
Ski Pack	€100 per day up to €400	None
Piste Closure	€30 per day up to €300	None
Avalanche Closure	Up to €375	€90

Premier
Cover	Level	Excess
Cancellation	€5,000	€90
Curtailment	€5,000	€90
Catastrophe Cover	€1,500	€90
Withdrawal of Services	€75 per day up to €1,000	None
Schedule Airline Failure	€5,000	None
Medical Expenses	Up to €10 million	€90
Hospital Benefit	€75 per day up to €1,500	None
Mugging Benefit	€60 per day to €600	None
Personal Effects & Baggage	€3,000	€90
- Single Item Limit	€750
- Valuables Limit in Total	€750
- Travel Documents	€375
- Delayed Baggage	€75 per day up to €300
Personal Money	€750	€90
- Cash Limit	€375
- Cash Limit (under 18)	€150
Travel Delay	€30 for first 12 period, €30 per each additional; 12 hour period, up to €450	None
Holiday Abandonment	€5,000	€90
Pet Care	€15 per day up to €150	None
Hijack	€75 per day up to €750	None
Missed Departure	€1,500	€90
Personal Accident	Max. €30,000	None
- Loss of Limbs or Sight	€30,000
- Permanent Total Disablement	€30,000
- Death Benefit (18-65)	€15,000
- Death Benefit (65-69)	€3,750
- Death Benefit (under18)	€3,750
Personal Liability	up to €2 million	€150
Legal Expenses	Up to €25,000	€250

Wintersports Cover (Discovery Ski Only)
Ski Equipment	Up to €750	€90
- Owned	Up to €750
- Single item Limit (Owned)	Up to €375
- Hired	Up to €375
Ski Hire	€30 per day up to €300	None
Ski Pack	€100 per day up to €400	None
Piste Closure	€30 per day up to €300	None
Avalanche Closure	Up to €375	€90