| Backpacker | Backpacker Plus | |
| If you are taken ill or have an accident we will pay your medical bills | £1,000,000 | £2,000,000 |
| The cost of bringing you back to the UK, by Air Ambulance if required, with a doctor if necessary plus the return of your insured partner and family | £1,000,000 | £2,000,000 |
| The cost of hospital/nursing home charges | £1,000,000 | £2,000,000 |
| Emergency dental treatment for the immediate relief of pain | not covered | £250 |
| Reasonable travelling and accommodation expenses for a friend or relative who on medical advice must stay or travel with you | £1,000 | £3,000 |
| In the event of your death we will: either repatriate your body or ashes to the UK | £1,000,000 | £2,000,000 |
| Or pay for your funeral costs abroad | £2,000 | £2,000 |
| Backpacker | Backpacker Plus | |
| Payment for permanent loss or loss of use of limbs or senses | No cover | up to £15,000 |
| Your next of kin will receive a lump sum if you die | No cover | £3,750 |
| Backpacker | Backpacker Plus | |
| If you have taken luggage cover as an optional extra, you will be reimbursed if your luggage is lost, stolen or accidentally damaged | £500 | £1,500 |
| We will help you to replace your passport | £150 | £250 |
| Backpacker | Backpacker Plus | |
| If you have to cancel your holiday due to redundancy (yourself), accident, illness or bereavement to you, a personal friend with whom you were to travel or stay with, a relative or close business associate, we will be happy to cover your costs | £1,000 | £2,000 |
| If you need to cut short your holiday due to accident, illness or bereavement to you or a personal friend with whom you were to travel or stay with, a relative or close business associate, we will be happy to cover your costs | £1,000 | £3,000 |
| Backpacker | Backpacker Plus | |
| If you accidentally injure someone, or damage their property we will cover your legal liability to pay damages | £1,000,000 | £1,000,000 |
| Advice and assistance to take legal action is covered | No cover | £10,000 |
