Essential Travel Insurance
Full product details for the Essential Travel Insurance, including policy details, discounts, application criteria, medical cover, financial loss cover, wintersports cover, other cover, claims, excess, australia & new zealand example quotes, europe example quotes, uk example quotes, usa example quotes and worldwide example quotes. Apply online now.
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| Company: | Essential Travel Ltd www.essentialtravel.co.uk | Essential Travel Ltd www.essentialtravel.co.uk | Essential Travel Ltd www.essential-travel.co.uk |
| Product: | Superior Cover | Standard Cover | Backpacker - Essential |
| details | details | details | |
| Quote via this site: |  | | |
| | | |
| Policy Details | |||
 Online Discount: | 10% | 10% | 0% |
| Underwriter: | AXA Insurance UK plc | AXA Insurance UK plc | AXA Insurance UK plc |
| Europe Destinations: |  | | |
| Worldwide Destinations: | | | |
| USA Destinations: | | | |
| Max Trip Duration: | 45 | 31 | 365 |
| Discounts | |||
| No Claim Discount: |  | n/a | n/a |
| No Baggage Discount: | | n/a | |
| No Money Cover Discount: | | n/a | |
| Member Discount: | 0% | 0% | n/a |
| Child Discount: | | | n/a |
| NCD - 1 Year: | 0% | n/a | n/a |
| NCD - 2 Years: | 0% | n/a | n/a |
| NCD - 3 Years: | 0% | n/a | n/a |
| Application Criteria | |||
| Min Adult Age: | 19 years | 19 years | 19 years |
| Max Adult Age: | 74 years | 74 years | 45 years |
| Max w/s Age: | 65 | n/a | 45 |
| Medical Cover | |||
| Medical Screening: | | | |
| Medical Expenses: | £10,000,000 | £10,000,000 | £10,000,000 |
| PA - Death: | £10,000 | £10,000 | £10,000 |
| PA - PTD: | £20,000 | £10,000 | £10,000 |
| Hospital Benefit - Max: | £1,000 | £500 | £500 |
| Hospital Benefit - Day: | £20 | £20 | £20 |
| Cosmetic Surgery: | £0 | £0 | £0 |
| Dental Emergency: | £200 | £200 | £200 |
| UK Physiotherapy: | £0 | £0 | £0 |
| Overseas Funeral Costs: | £1,500 | £1,500 | £1,500 |
| Remains Transportation: | up to medical si | up to medical si | up to medical si |
| Financial Loss Cover | |||
| Money - Max: | £350 | £0 | £0 |
| Money - Cash: | £250 | £0 | £0 |
| Cash Advance: | 0 | 0 | 0 |
| Legal Expenses: | £25,000 | £15,000 | £15,000 |
| Loss of Passport: | £350 | £0 | £0 |
| Loss of Driving Licence: | £350 | £0 | £0 |
| Mugging: | £1,000 | £500 | £500 |
| Hijack Benefit: | £1,000 | £500 | £500 |
| Wintersports Cover | |||
| Max Winter Sports Total: | n/a | n/a | 31 days |
| Winter Sports Cover: | optional | | optional |
| Winter Sports Equipment: | £500 | £0 | £300 |
| W/S Baggage Basis: | additional | no cover | additional |
| Own Equipment: | £500 | £0 | £300 |
| Hired Equipment: | £300 | £0 | £200 |
| Ski Pack: | £350 | £0 | £250 |
| Loss of Ski Pass: | £0 | £0 | £250 |
| Piste Closure - Total: | £300 | £0 | £200 |
| Piste Closure - Per Day: | Unlimited | £0 | £20 |
| Piste Closure - Travel: | £30 | £0 | £20 |
| Avalanche Delay: | £300 | £0 | £200 |
| Ski Hire - Total: | £300 | £0 | £200 |
| Ski Hire - Daily: | £30 | £0 | £20 |
| Off Piste Allowed?: | restricted | n/a | restricted |
| Other Cover | |||
| UK Return: | n/a | n/a | |
| Repatriation Service: | | | |
| Baggage - Basis: | wear and tear | n/a | n/a |
| Baggage - Total: | £1,750 | £0 | £0 |
| Baggage - Single Article: | £300 | £0 | £0 |
| Baggage - Valuables: | £300 | £0 | £0 |
| Baggage - Delay: | £200 | £0 | £0 |
| Cancellation/Curtailment: | £5,000 | £0 | £3,000 |
| Missed Departure: | £600 | £600 | £600 |
| Delay - Max: | £150 | £100 | £100 |
| Delay - 1st 12 hours: | £20 | £20 | £20 |
| Delay - subs 12 hours: | £10 | £10 | £10 |
| Travel Abandonment: | £5,000 | £0 | £3,000 |
| Personal Liability: | £2,000,000 | £2,000,000 | £2,000,000 |
| Extended Kennel Fees: | £200 | £200 | £200 |
| Catastrophe Delay: | £300 | £300 | £300 |
| Pre-Travel Service: | | | |
| Emergency Assistance: | | | |
| Additional Activities: | | | |
| Claims Receipt Limit: | £0 | n/a | n/a |
| General Exclusions: | click here | click here | click here |
| Terrorism Exclusion: | partial exclusion | partial exclusion | partial exclusion |
| Extent of Terrorism cover: | medical,pa | medical,pa | medical,pa |
| Date Exclusion?: | | | |
| Claims | |||
| Basis of Settlement: | click here | click here | click here |
| General Conditions: | click here | click here | click here |
| Excess | |||
| Excess Basis: | section | section | section |
| Medical Expenses XS: | £60 | £100 | £100 |
| EHIC Medical XS Waiver: | | | |
| Baggage XS: | £50 | n/a | n/a |
| Money XS: | £50 | n/a | n/a |
| Cancellation XS: | £55 | n/a | £70 |
| Curtailment XS: | £55 | n/a | £70 |
| Abandonment XS: | £55 | n/a | £70 |
| Delayed Baggage XS: | £0 | n/a | n/a |
| Loss of Deposit XS: | £20 | n/a | £15 |
| Personal Liability XS: | £55 | £70 | £70 |
| Legal Expenses XS: | £55 | £70 | £70 |
| XS Waiver Loading: | n/a | n/a | 0 |
| Australia & New Zealand Example Quotes | |||
| Aus/NZ - Single 1 month: | n/a | n/a | £32 |
| Aus/NZ - Single 3 months: | n/a | n/a | £54.99 |
| Aus/NZ - Single 6 months: | n/a | n/a | £89.99 |
| Aus/NZ - Single 12 months: | n/a | n/a | £129.99 |
| Aus/NZ - Couple 1 month: | n/a | n/a | £60 |
| Aus/NZ - Couple 3 months: | n/a | n/a | £99.99 |
| Aus/NZ - Couple 6 months: | n/a | n/a | £169.99 |
| Aus/NZ - Couple 12 months: | n/a | n/a | £249.99 |
| Auz/NZ - Single 7 Day: | n/a | £16.99 | n/a |
| Auz/NZ - Single 17 day: | n/a | £24.99 | n/a |
| Auz/NZ - Family 7 Day: | n/a | £22.99 | n/a |
| Auz/NZ - Family 17 day: | n/a | £29.99 | n/a |
| Auz/NZ - Single: | £60.99 | n/a | n/a |
| Auz/NZ - Couple: | £75.99 | n/a | n/a |
| Auz/NZ - Family: | £75.99 | n/a | n/a |
| Auz/NZ - Single & w/s: | £70.99 | n/a | n/a |
| Auz/NZ - Couple & w/s: | £80.99 | n/a | n/a |
| Auz/NZ - Family & w/s: | £80.99 | n/a | n/a |
| Europe Example Quotes | |||
| Europe - Single 1 month: | n/a | n/a | £15.99 |
| Europe - Single 3 months: | n/a | n/a | £32 |
| Europe - Single 6 months: | n/a | n/a | £55.99 |
| Europe - Single 12 months: | n/a | n/a | £89.99 |
| Europe - Couple 1 month: | n/a | n/a | £29.99 |
| Europe - Couple 3 months: | n/a | n/a | £60 |
| Europe - Couple 6 months: | n/a | n/a | £89.99 |
| Europe - Couple 12 months: | n/a | n/a | £179.99 |
| Europe - Single 7 days: | n/a | £6.99 | n/a |
| Europe - Single 17 Days: | n/a | £10.99 | n/a |
| Europe - Family 7 Days: | n/a | £15.99 | n/a |
| Europe - Family 17 Days: | n/a | £17.99 | n/a |
| Europe - Single: | £46.99 | n/a | n/a |
| Europe - Couple: | £60.99 | n/a | n/a |
| Europe - Family: | £60.99 | n/a | n/a |
| Europe - Single & w/sport: | £50.98 | n/a | n/a |
| Europe - Couple & w/sport: | £70.99 | n/a | n/a |
| Europe - Family & w/sport: | £70.99 | n/a | n/a |
| UK Example Quotes | |||
| UK - Single 7 Days: | n/a | £2.12 | n/a |
| UK - Single 17 Days: | n/a | £3.08 | n/a |
| UK - Family 7 Days: | n/a | £4.23 | n/a |
| UK - Family 17 Days: | n/a | £6.17 | n/a |
| UK - Single: | £46.99 | n/a | n/a |
| UK - Couple: | £60.99 | n/a | n/a |
| UK - Family: | £60.99 | n/a | n/a |
| UK - Single & w/sport: | £50.98 | n/a | n/a |
| UK - Couple & w/sport: | £70.99 | n/a | n/a |
| UK - Family & w/sport: | £70.99 | n/a | n/a |
| USA Example Quotes | |||
| USA - Single 1 month: | n/a | n/a | £32 |
| USA - Single 3 months: | n/a | n/a | £54.99 |
| USA - Single 6 months: | n/a | n/a | £89.99 |
| USA - Single 12 months: | n/a | n/a | £129.99 |
| USA - Couple 1 month: | n/a | n/a | £60 |
| USA - Couple 3 months: | n/a | n/a | £99.99 |
| USA - Couple 6 months: | n/a | n/a | £169.99 |
| USA - Couple 12 months: | n/a | n/a | £249.99 |
| USA - Single 7 Days: | n/a | £17.99 | n/a |
| USA - Single 17 Days: | n/a | £20.99 | n/a |
| USA - Family 7 Days: | n/a | £29.99 | n/a |
| USA - Family 17 Days: | n/a | £38.99 | n/a |
| USA - Single: | £60.99 | n/a | n/a |
| USA - Couple: | £75.99 | n/a | n/a |
| USA - Family: | £75.99 | n/a | n/a |
| USA - Single & w/sport: | £70.99 | n/a | n/a |
| USA - Couple & w/sport: | £80.99 | n/a | n/a |
| USA - Family & w/sport: | £80.99 | n/a | n/a |
| Worldwide Example Quotes | |||
| Wwide - Single 1 month: | n/a | n/a | £32 |
| Wwide - Single 3 months: | n/a | n/a | £54.99 |
| Wwide - Single 6 months: | n/a | n/a | £89.99 |
| Wwide - Single 12 months: | n/a | n/a | £129.99 |
| Wwide - Couple 1 month: | n/a | n/a | £60 |
| Wwide - Couple 3 months: | n/a | n/a | £99.99 |
| Wwide - Couple 6 months: | n/a | n/a | £169.99 |
| Wwide - Couple 12 months: | n/a | n/a | £249.99 |
| Wwide - Single 7 Days: | n/a | £16.99 | n/a |
| Wwide - Single 17 Days: | n/a | £24.99 | n/a |
| Wwide - Family 7 Days: | n/a | £22.99 | n/a |
| Wwide - Family 17 Days: | n/a | £29.99 | n/a |
| Wwide ex USA - Single: | £60.99 | n/a | n/a |
| Wwide ex USA - Couple: | £75.99 | n/a | n/a |
| Wwide ex USA - Family: | £75.99 | n/a | n/a |
| Wwide ex USA - Single & w: | £70.99 | n/a | n/a |
| Wwide ex USA - Couple & w: | £80.99 | n/a | n/a |
| Wwide ex USA - Family & w: | £80.99 | n/a | n/a |