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Policy Details - Go Travel Insurance
Full Policy Wording
To view a copy of our policy wording please click the appropriate icon below:
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Policy Summary & Initial DisclosureTo view a copy of our policy summary & initial disclosure, please click the appropriate icon below:
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Single Trip | |
Annual Multi Trip | |
Backpacker |
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Schedule of Benefits & Policy Information
Schedule of Benefits | Activities Covered | Age Groups | Territories | Dates |
Insurer
Insurance Tax | Residency
Schedule of Benefits - Single Trip, Annual and Cruise
Benefit: |
Sums Insured: |
Excess: |
|
|---|---|---|---|
| A1
A2 A3 |
Cancellation & Curtailment Loss of Deposit Catastrophe Withdrawal of Services - £50 Per Day |
Up to £3,000
Up to £1,000 Up to £500 |
£75* £20 £75* N/A
|
B |
Medical Expenses |
£10,000,000 |
£75*
|
C1 C2 C3 C4 |
Hospital Benefit - £15 Per Day Taxi Benefit - £15 Per Day Mugging Benefit - £40 Per Day Unused Excursions |
Up to £600 Up to £150 Up to £400 Up to £100 |
N/A N/A N/A N/A
|
D |
Personal Effects and Baggage Single Item Limit Valuables Limit in Total Travel Documents Delayed Baggage - £50 Per Day |
Up to £1,500 £300 £300 £250 Up to £300
| £75* |
E |
Personal Money Cash Limit Cash Limit (Aged under 18) |
Up to £500 £200 £50
| £75* |
F1 F2 F3 |
Travel Delay £20 Per 12 Hours Holiday Abandonment Pet Care - £20 per day |
Up to £300 Up to £3,000 Up to £100
| N/A |
G |
Missed Departure |
Up to £3,000 |
£75*
|
H |
Personal Accident - Max Benefit Loss of Limbs or Sight aged under 66 Permanent Total Disablement Death aged 18-65 Death aged under 18 All benefits aged 66 or over
|
£25,000 £25,000 £25,000 £5,000 £2,500 £2,500 | N/A |
I |
Personal Liability |
Up to £2,000,000 |
£250
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J |
Legal Expenses |
Up to £25,000 |
£250 |
* Child excess is £50 |
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Schedule of Benefits - Backpacker
| Benefit: | Sums Insured: |
Excess: |
|
|---|---|---|---|
| A1 |
Cancellation & Curtailment Loss of Deposit |
Up to £2,000
|
£75* £20 |
B |
Medical Expenses |
£3,000,000 |
£125
|
D |
Personal Effects and Baggage Single Item Limit Valuables Limit in Total Travel Documents |
Up to £1,000 £150 £150 £100 | £75* |
E |
Personal Money Cash Limit Cash Limit (Aged under 18) |
Up to £200 £200 £50
| £75* |
F2
|
Holiday Abandonment
|
Up to £2,000 | N/A |
G |
Missed Departure |
Up to £800 |
£75*
|
H |
Personal Accident - Max Benefit Loss of Limbs or Sight aged under 66 Permanent Total Disablement Death aged 18-65 Death aged under 18
|
£10,000 £10,000 £10,000 £5,000 £1,000 | N/A |
I |
Personal Liability |
Up to £2,000,000 |
£250
|
J |
Legal Expenses |
Up to £25,000 |
£250
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* Child excess is £50 |
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Schedule of Benefits - Winter Sports
When you buy a winter sports policy the following is included in addition to the standard benefits
Benefit: |
Sums Insured: |
Excess: |
|
|---|---|---|---|
K |
Ski Equipment Owned Ski Equipment Hired Single item limit owned Single item limit hired |
£1,000 £500 £250 £250
| £75* £75* £75* £75* |
L |
Ski Equipment Hire £20 Per Day |
Up to £200 | N/A
|
M |
Ski Pack Up to £50 per day |
Up to £300 |
N/A
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N |
Piste Closure Up to £20 per day |
Up to £300 |
N/A
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O |
Avalanche |
Up to £300 |
£75*
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* Child excess is £50 |
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Schedule of Benefits - Golf
When you buy a golf policy the following is included in addition to the standard benefits
| Benefit: | Sums Insured: |
Excess: |
|
|---|---|---|---|
S |
Golf Equipment - Owned |
Up to £1,000 |
£75* |
T |
Golf Equipment Hired - £30 per day |
Up to £300 |
N/A |
U |
Non-Refundable Golf Fees - £75 per day |
Up to £300 |
N/A |
* Child excess is £50 |
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Activities Covered
| Category 1 Activities Covered As Standard: |
|---|
Archery, if adequately supervised (amateur) |
Badminton (amateur) |
Baseball (amateur) |
Basketball (amateur) |
Beach games |
Black water rafting (Grade 1-4) |
Bungee jumping (up to 3 jumps) |
Canoeing |
Clay pigeon shooting |
Cricket (amateur) |
Cycling |
Dinghy sailing |
Fell walking |
Fencing |
Fishing |
Football (amateur) |
Golf (amateur) |
Hiking (under 2000 metres altitude) |
Horse riding (up to 7 days) |
Hot air ballooning, which has been organised in the UK before departure |
Ice skating (not ice hockey) |
Jet boating |
Jet skiing |
Jogging |
Marathon running (amateur) |
Motorcycling up to 125 cc |
Netball (amateur) |
Orienteering |
Outwardbound pursuits |
Paintballing |
Parascending (over water) |
Pony trekking |
Racquetball |
Rambling |
River canoeing |
Roller skating |
Roller blading |
Rounders |
Rowing |
Running-sprint/long distance (amateur) |
Safari (UK organised) |
Sail boarding |
Sailing within territorial limits |
Scuba diving up to 30 metres, if adequately supervised |
Snorkelling |
Squash (amateur) |
Surfing (amateur, under 14 days) |
Tennis (amateur) |
Track events |
Trekking (under 2000 metres altitude) |
Triathlon |
Volleyball (amateur) |
War games |
Water polo (amateur) |
Water skiing (amateur) |
White water rafting (Grade 1 to 4) |
Windsurfing (amateur) |
Work abroad |
Yachting (racing/crewing inside territorial waters) |
| Winter Sports. Activities Covered on Purchase of Winter Sports Cover. |
|---|
Guided Cross Country Skiing |
Mono Skiing |
Off Piste Skiing & Snowboarding |
Recreational Racing |
Skiing |
Snowboarding |
Snow Sledging |
| Category 2. The Following Activities can be Covered for an Additional Premium. Please Call 0844 482 0880 |
|---|
Boxing (no contact) |
Camel Riding |
Cycle Touring |
Deep Sea Fishing |
Dog Sledging |
Elephant Riding |
Flying in a private plane or small aircraft |
Flying as a passenger in a private plane or small aircraft |
Go Karting (specific use) |
Gymnastics |
Hiking (between 2000 and 6000 metres altitude) |
Hockey |
Horse Riding (over 7 days) |
Hot air Ballooning (non-uk organised) |
Hydro-Zorbing |
Kayaking |
Manual Work |
Martial Arts (training only) |
Mountain Biking |
Quad Biking |
Rugby (amateur) |
Safari (non-uk organised) |
Sea Canoeing |
Ski-Dooing |
Surfing (over 14 days, amateur) |
Trekking (between 2000 and 6000 metres altitude) |
Wide River Boat Cruise |
Zorbing |
| Category 3. The Following Activities Can Be Covered for an Additional Premium. Please Call 0844 482 0880 |
|---|
Abseiling |
American Football (amateur) |
Black Water Rafting (grades 5 to 6 inclusive) |
Gliding |
Outdoor Endurance Events |
Parachuting |
Parascending (over land) |
Rock Abseiling |
Sail Boarding |
Sand Boarding |
Snow Mobiling |
White Water Canoeing |
White Water Rafting (grades 5 to 6 inclusive) |
Zip Lining |
Zip Lining Into Water |
| Category 4. The Following Activities Can Be Covered for an Additional Premium. Please Call 0844 482 0880 |
|---|
Animal Riding |
BMX Cycling |
Bob Sleighing |
Canyoning |
Hang Gliding |
Heli-Skiing |
High Diving (amateur) |
Horse Jumping |
Ice Hockey |
Kite Surfing |
Land Yachting |
Luging |
Manual Work |
Microlighting |
Motor Rallies |
Parasailing |
Rock Climbing |
Rock Scrambling |
Scuba Diving (between 30 and 40 metres in depth) |
Show Jumping |
Skateboarding |
Sky Diving |
Tobogganing |
Wresting (amateur) |
| The Following Activities are Not Covered: |
|---|
Contact Boxing |
Hunting on Horseback |
Polo on Horseback |
Horse Jumping |
Manual Work which is Not at Ground Level |
Manual Work Involving the use of Machinery |
Racing |
Safari's Involving the use of Firearms |
Scuba Diving Between 30 and 40 Metres if no BSAC, PADI, DIWA, SSI or SSA Member |
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Age Groups
Group: |
Definition: |
|---|---|
Adults aged 18-65 |
Any person aged 18 to 65 |
Adults aged 66-69 |
Any person aged between 66 and 69 |
Adults aged 70-75 |
Any person aged between 70 and 75 |
Child aged 0-14 |
Any person aged 14 or under travelling with an insured parent or guardian |
Child aged 15-17 |
Any person aged between 15 and 17 travelling with an insured parent or guardian |
Unaccompanied children |
Any child aged 17 or under not insured with a parent or guardian |
Couple |
2 Adults co-habiting as spouces or partners for at least 6 months aged 18 to 64 |
Family (2 Adults) |
2 Adults co-habiting as spouces or partners aged 18- 64 and unlimited unmarried dependent children aged 17 or under living at the same address as the Adults |
Family (1 Adults) |
1 Adult aged 18- 64 and unlimited unmarried dependent children aged 17 or under living at the same address as the Adult |
Please note the following: -
Age is calculated at the time of purchase.
Single Trip and Winter Sports policies maximum age at the time of purchase is 75.
Annual travel insurance maximum age at the time of purchase is 64.
Cruises are only covered on our specialist cruise policy.
Cruise policy maximum age at time of purchase is 55.
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For Single Trip, Winter Sports and Cruise Policies
Area: |
Definition: |
|---|---|
UK & Ireland |
The British Isles, Northern Ireland, The Channel Islands, Isle of Man and Republic of Ireland |
Europe |
The continent of Europe west of the Ural Mountains, Madiera, Canary Islands, Iceland, the Azores, Mediterranean Islands and non European countries bordering the Mediterranean excluding Algeria, Isreal, Lebanon and Libya |
Australia & New Zealand |
Australia and New Zealand |
Worldwide |
Worldwide including USA, Canada, Algeria, Isreal, Lebanon and Libya |
For Annual Policies
Area: |
Definition: |
|---|---|
Europe |
The British Isles, Northern Ireland, The Channel Islands, Isle of Man and Republic of Ireland, the continent of Europe west of the Ural Mountains, Madiera, Canary Islands, Iceland, the Azores, Mediterranean Islands and non European countries bordering the Mediterranean excluding Algeria, Isreal, Lebanon and Libya |
Worldwide |
Worldwide including USA, Canada, Algeria, Isreal, Lebanon and Libya |
For Backpackers Policies
Area: |
Definition: |
|---|---|
Europe |
The British Isles, Northern Ireland, The Channel Islands, Isle of Man and Republic of Ireland, the continent of Europe west of the Ural Mountains, Madiera, Canary Islands, Iceland, the Azores, Mediterranean Islands and non European countries bordering the Mediterranean excluding Algeria, Isreal, Lebanon and Libya |
Australia & New Zealand |
Australia and New Zealand |
Worldwide |
Worldwide including USA, Canada, Algeria, Isreal, Lebanon and Libya |
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Duration
Date: |
Definition: |
|---|---|
Departure Date |
The date the trip commences |
Return Date: |
The date you arrive back in the UK |
Policy Start Date: |
This is the start date for an annual travel insurance policy |
Duration: |
This is the period that the insurance is operative |
Cancellation cover is operative from the date the policy is issued.
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Insurer
Drakefield Insurance Services Limited trading as Go Travel Insurance are authorised to issue travel insurance arranged by Acumus Insurance Solutions Limited underwritten by UK Underwriting Limited, on behalf of AXA Insurance UK plc (Registered in England No.78950. Registered Office: 5 Old Broad Street, London, EC2N 1AD) and White Horse Insurance Ireland Limited.
AXA Insurance UK plc is authorised and regulated by the Financial Services Authority.
White Horse Ireland Limited are regulated in Ireland by the Irish Financial Services Regulatory Authority (IFSRA) and are members of the Dublin Insurance and Management Association.
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Insurance Premium Tax
Insurance Premium Tax is charged by the United Kingdom Government in a similar way to Value Added Tax. For Travel Insurance IPT is charged at a rate of 17.5% of the Gross Premium. The premium shown includes IPT.
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Residency
You must have been living in the UK or Ireland for longer than 6 months when purchasing this insurance and must return to the UK or Ireland within the trip duration unless you have purchased a one way ticket. The UK is defined as England, Wales, Scotland, Northern Ireland, Channel Islands and Isle of Man.
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