Travel Insurance Summary of Covers

Choose from 2 levels of cover to suit your needs and pockets.

Annual multi-trip policies are available up to the age of 74 and single trip policies to the age of 79. Premium loadings are applied to travellers aged 65 and over.

Optional cover is available for winter sports (up to age 70), golf, business trips, cruise, enhanced missed departure & travel disruption, gadget cover and option to double the excess.

Many medical conditions covered.

We also offer travel policies from other insurers with differing terms and conditions.

With English speaking staff and 24 hour emergency assistance you can rest assured that we have your holiday covered.

• •  
  • Ibex Standard
  • Ibex Super
• • Cancellation (Excess: €/£70) 
  • € 2,000 
  • € 5,000
  • Curtailment (Excess: €/£70) 
  • € 2,000 
  • € 5,000
  • Emergency medical expenses and Repatriation (Excess: €/£70) 
  • € 5,000,000 
  • € 10,000,000
  • Additional Hospital Benefit 
  • €1,000 (€25/24hrs) 
  • €2,000 (€25/24hrs)
  • Travel Delay (Excess: €/£70) 
  • €140 (€28/12 hrs) 
  • €300 (€30/12hrs)
  • Abandonment (Excess: €/£70) 
  • € 2,000 
  • € 5,000
  • Personal Accident 
  •  
  • Permanent Disability 
  • € 15,000 
  • € 25,000
  • Lost Limb(s), Loss of Sight 
  • € 7,000 
  • € 14,000
  • Missed Departure (Excess: €/£70) 
  • € 400 
  • € 1,000
  • Baggage & Personal effects 
  • € 750 
  • € 2,000
  • Delayed Baggage 
  • € 35 
  • € 100
  • Personal Money (Excess: €/£70) 
  • No Cover 
  • € 500
  • Cash Limit (Excess: €/£28) 
  • No Cover 
  • € 150
  • Loss of Passport & Travel Documents (Excess: €/£70) 
  • € 210 
  • € 500
  • Hijack & Mugging Benefit 
  • €1,400 (€70/24 hrs) 
  • €7,000 (€280/24 hrs)
  • Personal Liability (Excess: €/£140) 
  • € 2,000,000 
  • € 2,000,000
  • Legal Expenses (Excess: €/£280) 
  • € 10,000 
  • € 25,000
  • 24hr Assistance 
  • unlimited 
  • unlimited
  • Business Plus Cover (Optional) (Excess: €/£70) 
  •  
  • Replacement Business Colleague (cancellation/curtailment) 
  • € 1,400 
  • € 2,800
  • Business Equipment, laptops, documents and samples 
  • € 700 (€400 single item limit) 
  • € 1,400 (€500 single item limit)
  • Replacement Business Documents & Sample 
  • € 420 
  • € 720
  • Business Money 
  • € 500 (Cash limit €250) 
  • € 1,000 (Cash limit €500)
  • Golf Cover (Optional) (Excess: €/£70) 
  •  
  • Golf Equipment 
  • € 2,100 
  • € 3,500
  • Green/Club Fees 
  • € 280 
  • € 560
  • Golf Hire 
  • € 140 
  • € 210
  • Hole-in-one (Nil Excess) 
  • € 70 
  • € 140
  • Winter Sports Cover (Optional) (Excess: €/£70) 
  •  
  • Piste Closure & Avalanche Delay (Nil Excess) 
  • up to €280 (€28/day) 
  • up to €560 (€28/day)
  • Winter Sports Hire 
  • up to €280 (€28/day) 
  • up to €560 (€28/day)
  • Winter Sports Pack (inc ski school and lift pass) 
  • up to €210 (€21/day) 
  • up to €420 (€21/day)
  • Owned winter sports equipment 
  • € 420 
  • € 700
  • Hired winter sports equipment 
  • € 210 
  • € 420
  • Enhanced Missed Departure & Travel Disruption (Optional) (Excess: €/£70) 
  •  
  • Missed Connection 
  • € 1,000 
  • € 1,000
  • Substitute Accommodation 
  • € 3,000 
  • € 3,000
  • Enforced Stay 
  • € 1,500 
  • € 1,500
  • Cruise Plus Cover (Optional) (Excess: €/£70) 
  •  
  • Missed Cruise Departure 
  • €300 (€50/port) 
  • €300 (€50/port)
  • Cabin / Stateroom Confinement (Nil Excess) 
  • €300 (€50 / complete day) 
  • €300 (€50 / complete day)
  • Unused Pre Booked Excursions 
  • € 300 
  • € 300
  • Missed Port Itinerary Change Benefit 
  • € 300 (€50 / change) 
  • € 300 (€50 / change)
  • Cruise Connection 
  • € 1,500 
  • € 1,500
  • Gadget Cover (Optional) (Excess: €/£70) 
  •  
  • Number of Gadgets Insured (per person) 
  • Not Covered 
  • 5 (€2,000 Overall Limit) (€750 Maximum per item)
  • Maximum Payable Screen Repair 
  • Not Covered 
  • (€100 Non-iPhone) (€200 iPhone) (€400 Samsung Curved Screen)
  • Unauthorised Usage Costs (per Incident) 
  • Not Covered 
  • €500 (€100)

Area Definitions: Where we cover

Europe
Albania	Andorra	Armenia	Austria	Azerbaijan
Azores	Belarus	Belgium	Bosnia-Herzegovina	Bulgaria
Channel Islands	Corsica	Croatia	Cyprus	Czech Republic
Denmark (including Faroe Islands)	Egypt	Estonia	Finland	France (including Corsica)
Georgia	Germany	Gibraltar	Greece (including Greek Islands)	Hungary
Iceland	Ireland	Italy (including Aeolian Islands, Sardinia & Sicily)	Latvia	Liechtenstein
Lithuania	Luxembourg	Macedonia	Madeira	Malta
Moldova	Monaco	Montenegro	Morocco	Netherlands
Norway (including Jan Mayen, Svalbard Islands)	Poland	Portugal (including Azores & Madeira)	Romania	Russia (West of the Urals)
San Marino	Serbia (including Kosovo)	Slovakia	Slovenia	Spain (including Balearic & Canary Islands)
Sweden	Switzerland	Tunisia	Turkey	Ukraine
United Kingdom (including Great Britain, NI and the Isle of Man)	Vatican City

Worldwide

Worldwide (excluding USA & Canada) and Worldwide (including USA & Canada)

Exclusion: You are not covered for travel to a country or specific area if this is against advice issued by the UK Foreign & Commonwealth Office unless this has been agreed in advance by us.

Eligibility Criteria

1. This policy is only available if you are permanently resident in either Gibraltar, Portugal, or Spain.

2. By purchasing this policy, you have confirmed you understand that all claims, complaints and sales will be handled using the English Language.

3. You and your travelling companions named on this policy meet the age limits for cover:
 Aged 74 or under for Annual Multi Trip policies; or
 Aged 79 or under for Single Trip policies (70 in respect of Winter sports).

 For Annual Multi Trip policies the age limit applies at  the start date of your policy. For Single Trip Policies the age limit applies on the day you first travel.

4. You may not be insured if you are going to take part in sports & activities where there is a generally recognised risk of injury. Please refer to the 'SPORTS & ACTIVITIES' Section  and check that this insurance covers you, or ask us.

5. If you have any pre-existing medical conditions, you must declare these fully to us during the application process as part of the medical screening process.

Party Type Definitions

Couple: 2 adults living together at the same address as spouses, civil partners or a similar long term relationship.

Family: Any person that is related to you by blood or marriage. A family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.

Single-Parent Family: a single parent family can include up to six children aged under 19 at the date of issue, or dependents up to 21 if in full time education.