As described in our travel insurance guide, your Travel Insurance policy is essentially a series of policy benefits that provides cover for a variety of scenarios related to travelling. Below is a complete list of benefits that you'll find on Puffin Insurance policies. Please remember that this is just a brief description of the benefit and you should read the policy documentation to get a full description, including any exclusions and clauses, of the benefits.
Covers the cost of medical expenses incurred for necessary emergency treatment outside of the UK. Also covers additional travel, accommodation and repatriation costs for you and any other person that is required, for medical reasons, to be with you.
Please read policy documentation for full details
This covers the cost (up to the benefit limit) of your portion of any pre-paid transport (e.g. flights), accommodation, and additional travel expenses that you cannot recover from any other source (e.g. refund from the hotel) if you cannot travel due to injury, illness, redundancy or requirements of HM Forces.
Please read policy documentation for full details
In the unfortunate event that you are in hospital during your trip, this benefit will pay out an amount per 24 hours that you are in hospital (up to a maximum of the benefit limit)
Please read the policy documentation for full details
This covers the costs (up to the benefit limit) of any emergency dental treatment you may need whilst travelling outside the UK.
Please read policy documentation for full details
If your departure is delayed by more than 12 hours, this benefit will contribute towards the cost of additional parking, accommodation, food etc.
Please read policy documentation for full details
Sometimes abbreviated to SAFI, this benefit will reimburse you (up to the benefit limit) for any amounts already paid to a scheduled airline (that you cannot recoup directly from them) in the event that they become insolvent before your departure.
Please read the policy documentation for full details
If someone makes a legal claim against you (e.g. if you were to accidentally injure them or cause damage to their possessions), and you are found to be personally liable, then this benefit will cover the settlement costs (up to the benefit limit) plus any other costs incurred (e.g. legal).
Please read the policy documentation for full details
If you need to cut your holiday short and return home (e.g. due to illness, or death of a close family member), then this will cover the losses incurred (up to the benefit limit) due to the unused portions of your transport and accommodation.
Please read the policy documentation for full details
If your outbound flight is delayed for more than 24 hours and you abandon the trip this will cover the costs (up to the benefit limit) for flights and accommodation that cannot be recouped through other means (e.g. the airline refunding the cost of the flights)
Please read the policy documentation for full details
Cover for your baggage if accidentally lost, damaged or stolen whilst on your trip. Single article limits apply.
Please note that this is NOT old-for-new cover and allowance for wear and tear will be made.
Please read policy documentation for full details
Covers the loss incurred if your personal money is stolen (up to the benefit limit).
Please read policy documentation for full details
This optional benefit provided cover for if, once your cruise has started, a scheduled port visit is cancelled due to adverse weather or timetable
restrictions and no alternative port can be offered
Please read policy documentation for full details
This optional benefit provides cover for unused pre-booked excursions which you cannot use because you are confined to your cabin due to an accident
or illness
Please read policy documentation for full details
This Optional Cover is required if you plan to take part in winter sports (skiing and snowboarding) during your trip. Where you have purchased an annual multitrip policy you are only covered for either 17 days of Winter Sports activity during the insurance period. Your limit will be displayed in your policy schedule. As well as ensuring that all other aspects of your policy remain valid, it adds the following cover:
Please read the policy documentation for full details
Included as standard on all policies up to £1,000 to cover your gadget while you're on your trip. Gadget cover will protect you for the costs of repair or replacing your gadgets if they are accidentally lost, stolen or damaged. Please note your gadgets are subject to depreciation as they get older, and this may impact how much money you get back for your gadget.
The gadgets we cover are mobile phones, iphones, tablets, ipads, e-readers/kindles, sat navs, handheld games consoles, portable DVD players, headphones, wireless speakers, digital cameras, laptops, ipods/mp3 players, go pros and smart watches. This policy will not cover everything such as Drones.
If your gadget was bought new or is refurbished it must have been bought from a UK company and you have a proof of purchase, such as the receipt. If your gadget was a gift or bought second-hand then, in addition to a proof of purchase, we also need a signed letter from the original owner confirming you as the owner.
Please read the policy documentation for full details
This optional additional cover increases your gadget cover by £1000, giving you a total cover of £2000.