Single Trip Insurance Benefits

Buying travel insurance might seem to some as an unnecessary additional expense on the cost of a trip but if you stop for a moment to consider the very real financial risks of travelling without cover in place you will know that it is extremely important to invest in good quality travel insurance.

What’s the worst that could happen?

  • Well, you may need to cancel or curtail your trip due to illness or injury of you or a loved one.
  • You may need emergency medical treatment whilst overseas and that may result in the need for medical repatriation.
  • If you were injured or worse still were to die as a result of an accident there would be significant legal costs and expenses.
  • Your outward or return journey could be seriously delayed.
  • You may need to abandon your trip if you were involved in an accident en route to your departure point.
  • You may have an accident during your trip.
  • Your baggage could be lost or delayed.
  • Cash or important documents, including your passport, could be lost or stolen.
  • You may cause an accident or an injury to someone and be faced with heavy legal expenses and legal liability.

Is it worth the risk?

Ibex offers comprehensive travel insurance cover from as little as €32.35 for single trips. We offer cover to residents of Portugal, Spain & Gibraltar. Our friendly and highly trained customer service staff can ensure you have the cover you need.

What are the key points to consider?

  • That you are covered for the entire duration of your trip.
  • You have the correct cover for the country you are visiting.
  • That every member of your party is covered.
  • That your policy covers any activities and sports you intend to participate in.
  • That you declare any existing medical conditions and find out if these can be covered, maybe with an addition to the premium.
  • How often do you travel? If you are a regular traveller an annual multi policy trip is much more cost effective.
  • To bear in mind that all the potential risks we refer to above are just as likely to happen during a weekend away as they are on a longer trip, further afield

Travel Insurance Summary of Covers

Choose from 3 levels of cover to suit your needs and pockets. Standard, Super and Super Plus.

Annual multi-trip policies and single trip policies are available up 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, gadget cover and option to double the excess.

Many medical conditions covered.

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

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

Covid-19 cover for Cancellation cover, Emergency medical expenses & additional hospital benefit.

Cover

Standard

Super

Super Plus

Cover

Cancellation (Excess: €/£70)

Ibex Standard

2,000

Ibex Super

5,000

Super Plus

10,000

Cover

Curtailment (Excess: €/£70)

Ibex Standard

2,000

Ibex Super

5,000

Super Plus

10,000

Cover

Emergency medical expenses and Repatriation (Excess: €/£70)

Ibex Standard

5,000,000

Ibex Super

10,000,000

Super Plus

10,000,000

Cover

Additional Hospital Benefit

Ibex Standard

1,000 (25/24hrs)

Ibex Super

2,000 (25/24hrs)

Super Plus

2,000 (25/24hrs)

Cover

Travel Delay (Excess: €/£70)

Ibex Standard

140 (28/12 hrs)

Ibex Super

300 (30/12hrs)

Super Plus

300 (30/12hrs)

Cover

Abandonment (Excess: €/£70)

Ibex Standard

2,000

Ibex Super

5,000

Super Plus

5,000

Cover

Personal Accident

Ibex Standard

 

Ibex Super

 

Cover

Permanent Disability

Ibex Standard

15,000

Ibex Super

25,000

Super Plus

35,000

Cover

Lost Limb(s), Loss of Sight

Ibex Standard

7,000

Ibex Super

14,000

Super Plus

14,000

Cover

Missed Departure (Excess: €/£70)

Ibex Standard

400

Ibex Super

1,000

Missed Departure

1,000

Cover

Baggage & Personal effects

Ibex Standard

750

Ibex Super

2,000

Ibex Super

3,500

Cover

Delayed Baggage

Ibex Standard

35

Ibex Super

100

Ibex Super

100

Cover

One article, pair, set or collection

Ibex Standard

70

Ibex Super

350

Super Plus

350

Cover

Total all Valuables

Ibex Standard

No Cover

Ibex Super

250

Ibex Super

250

Cover

Spetacle or Sunglasses

Ibex Standard

70

Ibex Super

70

Ibex Super

70

Cover

Personal Money (Excess: €/£70)

Ibex Standard

No Cover

Ibex Super

500

Ibex Super

500

Cover

Cash Limit (Excess: €/£28)

Ibex Standard

No Cover

Ibex Super

150

Ibex Super

150

Cover

Loss of Passport & Travel Documents (Excess: €/£70)

Ibex Standard

210

Ibex Super

500

Ibex Super

500

Cover

Hijack & Mugging Benefit

Ibex Standard

1,400 (70/24 hrs)

Ibex Super

7,000 (280/24 hrs)

Ibex Super

7,000 (280/24 hrs)

Cover

Personal Liability (Excess: €/£140)

Ibex Standard

2,000,000

Ibex Super

2,000,000

Ibex Super

2,000,000

Cover

Legal Expenses (Excess: €/£280)

Ibex Standard

10,000

Ibex Super

25,000

Ibex Super

25,000

Cover

Pet Care Expenses

Ibex Standard

Not Covered

Ibex Super

50 per day up to 250

Ibex Super

50 per day up to 250

Cover

Business Plus Cover (Optional) (Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

 

Cover

Replacement Business Colleague (cancellation/curtailment)

Ibex Standard

1,400

Ibex Super

2,800

Ibex Super

2,800

Cover

Business Equipment, laptops, documents and samples

Ibex Standard

700 (400 single item limit)

Ibex Super

1,400 (500 single item limit)

Ibex Super

1,400 (500 single item limit)

Cover

Replacement Business Documents & Sample

Ibex Standard

420

Ibex Super

720

Ibex Super

720

Cover

Business Money

Ibex Standard

500 (Cash limit 250)

Ibex Super

1,000 (Cash limit 500)

Ibex Super

1,000 (Cash limit 500)

Cover

Golf Cover (Optional) (Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

 

Cover

Golf Equipment

Ibex Standard

2,100

Ibex Super

3,500

Ibex Super

3,500

Cover

Green/Club Fees

Ibex Standard

280

Ibex Super

560

Ibex Super

560

Cover

Golf Hire

Ibex Standard

140

Ibex Super

210

Ibex Super

210

Cover

Hole-in-one (Nil Excess)

Ibex Standard

70

Ibex Super

140

Ibex Super

140

Cover

Winter Sports Cover (Optional) (Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

 

Cover

Piste Closure & Avalanche Delay (Nil Excess)

Ibex Standard

up to 280 (28/day)

Ibex Super

up to 560 (28/day)

Ibex Super

up to 560 (28/day)

Cover

Winter Sports Hire

Ibex Standard

up to 280 (28/day)

Ibex Super

up to 560 (28/day)

Ibex Super

up to 560 (28/day)

Cover

Winter Sports Pack (inc ski school and lift pass)

Ibex Standard

up to 210 (21/day)

Ibex Super

up to 420 (21/day)

Ibex Super

up to 420 (21/day)

Cover

Owned winter sports equipment

Ibex Standard

420

Ibex Super

700

Ibex Super

700

Cover

Hired winter sports equipment

Ibex Standard

210

Ibex Super

420

Ibex Super

420

Cover

Cruis Plus Cover (Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

 

Cover

Missed Cruise Departure

Ibex Standard

300

Ibex Super

300

Ibex Super

300

Cover

Cabin/ Stareroom Confinement (Nil Excess)

Ibex Standard

300 (50/ complete day)

Ibex Super

300 (50/ complete day)

Ibex Super

300 (50/ complete day)

Cover

Cabin/ Stareroom Confinement (Nil Excess)

Ibex Standard

300 (50/ complete day)

Ibex Super

300 (50/ complete day)

Ibex Super

300 (50/ complete day)

Cover

Unused Pre Booked Excursions

Ibex Standard

300

Ibex Super

300

Ibex Super

300

Cover

Missed Port Itinerary Change Benefit

Ibex Standard

300 (50/ change)

Ibex Super

300 (50/ change)

Ibex Super

300 (50/ change)

Cover

Cruise Connection

Ibex Standard

1,500

Ibex Super

1,500

Ibex Super

1,500

Cover

Sports Equipment & Cycle Cover (Optional)(Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

1,500

Cover

Owned, Hired Sports & Cycle

Ibex Standard

Not Covered

Ibex Super

1,500

Ibex Super

1,500

Cover

Single Article Limit

Ibex Standard

Not Covered

Ibex Super

500

Ibex Super

500

Cover

Hire or Replacement Equipment

Ibex Standard

Not Covered

Ibex Super

20 per day up to 400

Ibex Super

20 per day up to 400

Cover

Gadget Cover (Optional) (Excess: €/£70)

Ibex Standard

 

Ibex Super

 

Ibex Super

 

Cover

Number of Gadgets Insured (per person)

Ibex Standard

Not Covered

Ibex Super

5 (2,000 Overall Limit) (750 Maximum per item)

Ibex Super

5 (2,000 Overall Limit) (750 Maximum per item)

Cover

Maximum Payable Screen Repair

Ibex Standard

Not Covered

Ibex Super

100 Non-iPhone
200 iPhone
400 Samsung Curved Screen

Ibex Super

100 Non-iPhone
200 iPhone
400 Samsung Curved Screen

Cover

Unauthorised Usage Costs (per Incident)

Ibex Standard

Not Covered

Ibex Super

500 (100)

Ibex Super

500 (100)

Cover

Trip Extension Cover (Optional) (Annual policies only)

Ibex Standard

Not Covered

Ibex Super

60 days
90 days (Max Age 66)

Ibex Super

60 days
90 days (Max Age 66)

Area Definitions: Where we cover

Europe

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

Worldwide

  • Worldwide (excluding USA, Canada & the Caribbean) and Worldwide (including USA, Canada & Caribbean)

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 79 or under for Single & Annual Multi 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: a legally married couple, common-law husband and wife, civil law partner or an adult couple who have  lived together for at least one year. 

Family: a family can include up to four children aged under 19 at the date of issue, or dependants up to 21 if in  full time education. 

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

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