Cover Levels


Our key objective is to help those with pre-existing medical conditions get the travel insurance they want and need and for them to be able to buy with confidence. Able2Travel travel insurance offers a choice of Single Trip and Annual Multi-trip travel insurance policies for those with pre-existing medical conditions.

Customers are also able to select either our Silver, Gold or Platinum cover levels dependent on which cover limits meet your individual requirements. For example, the cost of your holiday or trip or the value of any baggage you take with you.

We also offer a wide range of options to expand your travel insurance cover to include protection for Cruise Plus, Wintersports, Golf Cover, Gadget Cover and even Carer Cover.

Which Level of Travel Insurance Cover is Best for me?

Use the summary benefits schedule table below to compare the different levels of Able2Travel Travel Insurance cover so you can decide which level meets your needs. Refer to the Able2Travel Travel Insurance policy wording (available upon request) for details of the full covers, sums insured, terms, conditions and exclusions.

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Benefits Schedule Cover Levels & Limits Per Person Per Trip
  Sections of Cover Silver Gold Platinum
 

Excess - per person and per section of each claim (unless otherwise stated)

Loss of Deposit

£90*


£45

£50*


£25

£25*


£10

1.

Cancellation or Curtailment/Loss of Holiday

£1,500

£3,000

£7,500

2.

Emergency Medical Expenses and Repatriation

including relative’s additional expenses

including emergency repatriation/oversea burial of mortal expenses

including emergency pain relief dental treatment

£10,000,000*




£350

£10,000,000*




£500

£10,000,000*




£750

3.

Hospital Stay Benefit (amount per day) Nil Excess applies

£1,000(£15)

£1,500(£25)

£2,000(£50)

4.

Personal Accident - loss of sight, limb(s) or Permanent Total Disablement - Nil Excess applies

maximum payable in the event of death

maximum payable in the event of death if under 16

£15,000

£5,000

£2,000

£20,000

£10,000

£2,000

£30,000

£20,000

£2,000

5.

Additional Cover on your return Home - Nil Excess applies

aftercare - Home Help or Nanny

- UK Physiotherapy Treatment

including - UK Medical Exam

Convalescence/Recuperation Holiday

Modification to your home



£200

£200

£200

£500

£250



£400

£400

£400

£750

£500



£600

£600

£600

£1000

£750

6.

Travel Delay & Abandonment

amount £ per 12 hours up to a maximum - Nil Excess applies

Abandonment (after 24 hours)



£20 up to £100

£1,500



£30 up to £150

£3,000



£40 up to £200

£7,500

7.

Missed Departure & Connections - Nil Excess applies

your trip being within Europe

your trip being outside Europe



£500

£750



£750

£1000



£1000

£1,500

8.

Personal Baggage - overall limit (£500 for under 18’s)

maximum per item, pair or set

total limit for all valuables

Spectacles and sunglasses

emergency purchases - Nil Excess applies

replacement key cover

£1,250

£150

£200

£100

£100

£100

£2,000

£200

£300

£200

£150

£200

£3,000

£350

£500

£300

£200

£300

9.

Additional Cover For Your Medical Items

loss or damage to Medical Aids

loss or damage to prescribed medications

emergency replacement prescribed medications

delayed medical aids (per day)


£1,000

£250

£250

£300(£50)


£1,500

£400

£400

£500(£100)


£2,000

£500

£500

£1,000(£200)

10.

Personal Money

Cash limit (£50 for under 18’s)

£500

£100

£750

£150

£1,000

£300

11.

Loss of Passport & Travel Documents - Nil Excess applies

£250

£350

£500

12.

Personal Liability

£1,000,000

£1,500,000

£2,000,000

13.

Legal Expenses

£10,000

£15,000

£25,000

14.

Catastrophe & Travel Disruption

1. extended Cancellation or Curtailment/Loss of Holiday

2. extended Travel Delay and Abandonment

3. Catastrophe & Travel Disruption Cover related to pre-booked accommodation

4. extended Missed Departure - Your Trip Being Within Europe - Nil Excess applies

- Your Trip Being Outside Europe - Nil Excess applies

Not insured

£3,000

£3,000

£3,000

£750

£1,000

£7,500

£7,500

£1,000

£1,500

15.

Personal Carer, Chaperone or Nanny Replacement

Not insured

£1,000

£2,500

16.

Kennel & Cattery Fees

£100

£250

£500

17.

Hijack, Kidnap & Mugging Benefit (amount per 24 hours)

£500(£25)

£750(£50)

£1,000(£75)

18.

Financial Failure

£750

£1,000

£1,500

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*Adults 65 years & over £130 excess for cancellation or curtailment (£50 loss of deposit) and medical claims only. Applicable on Silver, Gold & Platinum Levels of cover.

Able2Travel Travel Insurance has over 15 years of experience in finding travel insurance cover for senior travellers or travellers with medical conditions, so whether you are looking for holiday insurance for cancer, a heart condition or for another medical problem, you can be assured of receiving a fast, sensitive and competitively priced travel insurance solution for your travel plans.

Travel Insurance - Policy Features

Able2Travel Travel Insurance offers 3 levels of cover for both Single Trip and Annual Multi-Trip policies, enabling you to pick a travel policy that is suited for your individual needs.

The policy features table below will help you understand the different features on Single and Annual Multi-Trip policies depending on the level of cover that you choose.

Policy Features

Single Trip Policy Features

 

Silver

Gold

Platinum

Maximum age at date of departure (area 1-4 - see page 5 of the Policy Wording) No Limit No Limit No Limit
Maximum age at date of departure (area - 5 - see page 5 of the Policy Wording) 79 79 79
Maximum period per Trip if aged up to 64 365 days 365 days 365 days
Maximum period per Trip if aged 65 to 79 45 days 45 days 45 days
Maximum period per Trip if aged 80 to 85 31 days 31 days 31 days
Maximum period per Trip if aged 86+ 21 days 21 days 21 days

Annual Multi-Trip Policy Features

Maximum age at start/renewal of cover 79 79 79
Maximum period per Trip if aged up to 64 31 days 45 days 60 days
Maximum period per Trip if aged 65 to 79 31 days 35 days 45 days
Business Travel Included Yes Yes Yes
Home Country Trips (minimum 2 nights in pre-booked and pre-paid accommodation) Yes Yes Yes
Family members can travel separately if named on Your certificate Yes Yes Yes
Wintersports (Max age 79) - upon payment of an additional premium and shown on Your insurance certificate - up to total maximum of 10 Days 21 Days 21 Days

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How do I get an Able2Travel Travel Insurance Quote?

It’s quick and easy to get an Able2Travel Travel Insurance quote: just click the ‘Get a Quote’ button to get a quote online, or if you prefer to speak with someone then you can call our team direct on 01483 806 826.

All travel insurance enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our travel insurance specialists have access to a wide range of travel insurance options and will assist you in finding cover for all medical conditions. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the cover you need with one call to Able2Travel Travel Insurance.

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For a travel insurance quote please call 01483 806 826 or click the button below!

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