What is a personal accident?

A personal accident is one that happens on your trip. If it causes permanent disability within 12 months we'll pay for:

  • your permanent total disability caused by an accident during your trip that:
    • stops you from working in any UK job you’re qualified for,
    • lasts for 12 months,
    • our medical advisor believes isn't going to improve at the end of those 12 months.
  • the permanent loss of use of one or more of your limbs, at or above the wrist or ankle,
  • irrecoverable loss of sight in one or both eyes for a period of at least 12 months.

If you die, we'll pay up to the amount shown below:

Death benefit Bronze Silver Gold Platinum
aged 18 to 65 £5,000 £7,500 £10,000 £25,000
aged under 18 £2,500 £2,500 £2,500 £2,500


We’ll pay you, your executors, or administrators up to the maximum limit as defined by your policy.