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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Not insured

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

£175*


£50

£95*


£50

£50*


£50

1.

Cancellation or Curtailment/Loss of Holiday

£1,500

£2,500

£5,000

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 - Nil Excess applies

£10,000,000*




£150

£10,000,000*




£300

£10,000,000*




£450

3.

Hospital Stay Benefit (amount per day) Nil Excess applies

£500(£15)

£1,000(£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

£10,000

£5,000

£2,000

£15,000

£10,000

£2,000

£20,000

£10,000

£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

No Cover

No Cover

No Cover



£300

£400

£200

£400

£300



£400

£500

£400

£750

£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



£25 up to £150

£2,500



£50 up to £350

£5,000

7.

Missed Departure & Connections - Nil Excess applies

£500

£750

£1000

8.

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

Maximum per item, pair or set

Total limit for all valuables

Spectacles and sunglasses

Unreceipted items limit

Emergency purchases - Nil Excess applies

£1,250

£150

£200

£100

£250

£100

£2,000

£200

£300

£200

£250

£150

£3,000

£350

£500

£300

£250

£200

9.

Additional Cover For Your Medical Items

Loss or damage to Medical Aids

Loss or damage to prescribed medications - Nil Excess applies

Emergency replacement prescribed medications - Nil Excess applies

Delayed mobility equipment & medical aids (per day) - Nil Excess applies


£500

£100

£100

No Cover


£750

£200

£350

£250(£50)


£1,000

£300

£450

£1,000(£200)

10.

Personal Money

Cash limit (£50 for under 18’s)

£200

£100

£350

£200

£500

£300

11.

Loss of Passport & Travel Documents - Nil Excess applies

£200

£300

£500

12.

Personal Liability

£1,000,000

£1,500,000

£2,000,000

13.

Legal Expenses

£10,000

£15,000

£20,000

14.

Catastrophe & Travel Disruption

Extended Cancellation or Curtailment/Loss of Holiday

Extended Travel Delay and Abandonment

Catastrophe & Travel Disruption Cover related to pre-booked accommodation

Extended Missed Departure - Your Trip Being Within Europe - Nil Excess applies

Not insured

Not insured

 

£3,000

£3,000

£3,000

£1,000

15.

Kennel & Cattery Fees - Nil Excess applies

£50

£100

£250

16.

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

£500(£25)

£1,000(£50)

£1,500(£75)

18.

End Supplier Failure - Nil Excess applies

£1,500

£1,500

£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  No age limit No age limit No age limit
Maximum period per Trip if aged 65 years or under 365 days 365 days 365 days
Maximum period per Trip if aged 66 to 79 45 days 45 days 45 days
Maximum period per Trip if aged 80 to 85 years in areas 1, 2 & 3 only 31 days 31 days 31 days
Maximum period per Trip if aged 86 years and over in areas 1, 2 & 3 only 23 days 23 days 23 days
Maximum period per Trip if aged 80 years and over in area 4 only No cover available No cover available No cover available

Annual Multi-Trip Policy Features

Maximum age at start date of the period of cover shown on Your certificate 79 79 79
Maximum period per Trip if aged 65 years or under 31 days 31 days* 31 days*
Maximum period per Trip if aged 66 to 75 years 31 days 31 days** 31 days**
Maximum period per Trip if aged 76 to 79 years 31 days 31 days 31 days
Business Travel Included Yes Yes Yes
Home Country Trips (min 2 nights in pre-booked and pre-paid accommodation) Included Included Included
Family members can travel separately if named on Your certificate No No Yes
Wintersports - upon payment of an additional premium and shown on Your Policy certificate - up to total maximum of 21 Days 21 Days 21 Days
*Available to extend to 45 days or 60 days for an additional premium
**Available to extend to 45 days for an additional premium


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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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