Single Trip Budget

With a BUDGET price without compromising any of the cover provided, our Single Trip BUDGET travel insurance product is designed to cover

* any type of travel

* all persons up to the age of 65 years

* trip duration up to 185 days

* a wide range of sports and other activities



1. United Kingdom

England, Scotland, Wales, Northern Ireland, Isle of Man, including all islands comprising the British Isles except the Channel Islands and the Republic of Ireland.

2. Europe

Continental Europe west of the Ural mountain range, all countries bordering the Mediterranean Sea (except, Egypt, Israel, Jordan, Lebanon, Libya & Syria), the Channel Islands and the Republic of Ireland, Iceland, Madeira, The Canaries and The Azores. Persons residing in the Channel Islands need to pay Area 2 rates for UK trips.

3. Worldwide excluding North America

All countries outside of the above (except those within Area 4).

4. North America, Central America & The Caribbean

Bahamas, Belize, Bermuda, Canada, Costa Rica, El Salvador, Greenland, Guatemala, Honduras, Mexico, Nicaragua, Panama, The Caribbean Islands, United States of America.

5. Australia & New Zealand

The Continent of Australia and Islands of New Zealand including Islands comprising Australasia



Main policy limits only, please see the policy document for other limits that may apply



If you have to cancel or cut short your trip due to illness, injury, redundancy, jury service, the police requiring you to remain at or return to your home due to serious damage to your home, you are covered against loss of pre paid travel and accommodation costs.

Policy Excess £75.



A cash sum for accidental injury resulting in death, loss of sight, loss of limb or permanent total disablement.

No Policy Excess.


MEDICAL & OTHER EXPENSES up to £5,000,000


(a) The cost of hospital and other emergency medical expenses incurred abroad, including additional accommodation and repatriation expenses.

Limit £250 for emergency dental treatment and £5,000 burial/cremation/transfer of remains. Limit £2,500 for transfer of remains to your home if you die in the UK.

Policy Excess £75


(b) An additional benefit of £15 per day for each day you spend in hospital abroad as an in-patient.

No Policy Excess.



Covers accidental loss, theft or damage to your personal luggage subject to a limit of £200 for any one article, pair or set and an overall limit of £200 for valuables such as cameras. jewellery, furs, etc. Luggage and valuables limited to £1500. Delayed luggage up to £75.

Policy Excess £75.

Money, travel tickets and travellers cheques are covered up to £500 against accidental loss or theft (cash limit £250).

Policy Excess £75.

No cover is provided for loss or theft of unattended property, valuables or money or for loss or theft not reported to the Police within 24 hours of discovery.



If you lose your passport or it is stolen whilst abroad you are covered for additional travel and accommodation costs incurred in obtaining a replacement.

No Policy Excess.



If your outward or return trip is delayed for more than 12 hours at the final departure point to/from UK due to adverse weather conditions, mechanical breakdown or industrial action, you are entitled to either

(a) £20 for the first 12 hours and £10 for each further 12 hours delay up to a maximum of £60, or

(b) the cost of the trip (up to £2,000) if you elect to cancel after 12 hours delay on the outward trip from the UK.

Policy Excess £75 (b) only.



Additional travel and accommodation expenses incurred to enable you to reach your overseas destination if you arrive too late at your final UK outward departure point due to failure of the vehicle in which you are travelling to deliver you to the departure point caused by adverse weather, strike, industrial action, mechanical breakdown or accident to the vehicle.

No Policy Excess.


PERSONAL LIABILITY up to £2,000,000

Covers your legal liability for injury or damage to other people or their property, including legal expenses (subject to the laws of England and Wales).

Policy Excess £250.


LEGAL EXPENSES up to £25,000

To enable you to pursue your rights against a third party following injury.

No Policy Excess



The following represents only the main exclusions. The policy document sets out all of the conditions and exclusions. A copy of the full policy wording is available on request in writing prior to application.



Insurers will not pay for claims arising

(1). Where You (or any person upon whose health the Trip depends) are undergoing tests for the presence of a medical condition receiving or on a waiting list for or have knowledge of the need for treatment at a hospital or nursing home.

(2). From any terminal illness suffered by You (or any person upon whose health the Trip depends).

(3). From any medical condition for which You (or any person upon whose health the Trip depends) have within 12 months prior to the date of issue of this insurance been diagnosed with a medical condition or have been admitted or undergone a procedure/intervention.

(4). If You are travelling against the advice of a Medical Practitioner.



Claims arising from

(1) Winter sports (other than where the additional premium has been paid), any hazardous pursuits, any work of a non sedentary nature.

(2) Self inflicted injury or illness, suicide, alcoholism or drug abuse, sexual disease.

(3) War, invasion, acts of foreign enemies, hostilities or warlike operations, civil war, rebellion, Terrorism, revolution, insurrection, civil commotion, military or usurped power but this exclusion shall not apply to losses under Section 3 - Medical Expenses unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

(4) Failure or fear of failure or inability of any equipment or any computer program.

(5) Bankruptcy/liquidation of any tour operator, travel agent, airline, transportation company or accommodation supplier.

(6) Travelling to countries or regions where the FCO or WHO has advised against travel.

(7) Your failure to contact the Medical Screening Line where required.



The amount of each claim for which insurers will not pay and for which you are responsible. The excess as noted in the policy summary applies to each and every claim per insured person under each section where an excess applies.



This insurance contains Health Conditions so you should inform us of any medical conditions that may affect the Insurers acceptance of your cover. Please therefore telephone Towergate Medical Line on the following number to inform them if anyone to be covered by the insurance or any person upon whose health the trip depends

(a)          Has any existing or on-going medical conditions

(b)          Is taking any prescribed medication

(c)           has had any condition still requiring periodic review

(d)          Is awaiting any tests, treatment, investigation, referral or results of these

Failure to notify them may cause your circumstances to fall within a policy exclusion.

Telephone Towergate Medical Line on 0344 892 1698

If you are not accepted for cover having been screened, we may be able to offer you an alternative product sourced from one of our range of partner providers.



Below you will find relevant documents for your use in PDF format (if you need to download Adobe`s free reader you can do so here).

Single Trip "BUDGET" Policy Document

Document detailing the full terms and conditions of the cover provided and valid only when issued with a schedule following online purchase.


This document list all of the sports and other activities that insurers are prepared to cover, within 4 distinct groups.

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