Our Travel Insurance Policies

Our Travel Insurance Policies

At Puffin, we offer a range of Single Trip and Annual (Multi Trip) policies for individuals, couples, families and groups aged 18 to 74 including policies for customers that have pre-existing medical conditions. We cover countries throughout the world and have three cover levels to choose from (Silver, Gold and Platinum) and numerous options that can be added to your policy. Below you will find:

  • A summary of the cover (also known as "benefits") offered by our policies
  • Information about the optional cover we offer
  • Information about the activities covered
  • Information about the countries covered
  • Links to our policy documents

If you're not familiar with travel insurance policies, then you may find it useful to read our Travel Insurance Guide before reading the rest of this page. Also, if you're not familiar with the "benefits" we list in the table below, then you may find our Benefits Guide useful.

Who we cover

We provide cover for individuals, couples, families and groups of travellers. Our Single Trip policies cover adult travellers aged 18 - 74 and our Annual policies cover adult travellers age 18 - 70.

Summary of Cover

  Silver Gold Platinum
Max days per trip (annual policies) 32 32 45
Excess £99 £75 £50
Medical Expenses £10M £10M £10M
Cancellation £1500 £3000 £5000
£1500 £2000 £2500
Personal Money £400 £400 £400
Important Documents (eg passport) £150 £150 £150
Dental Services £500 £500 £500
Hospital Daily Benefit (Max) £50(£600) £50(£800) £50(£800)
Personal Liability £2M £2M £2M
Legal Protection £15,000 £20,000 £20,000
Personal Accident £5,000 £5,000 £5,000
Curtailment £1500 £3000 £5000
Travel Delay per day (Max) £50(£100) £50(£200) £50(£200)
Missed Departure £525 £750 £750
Natural Disaster/catastrophe £1500 £3500 £5000
Scheduled Airline Failure
£5000 £5000 £5000

Sample Policy Documents: Puffin Policy Wording.pdf

This is a sample policy document, the policy wording which applies to you will be available to view when you get your quote and will be emailed to you when you buy.

Further information on our Covid 19 cover


Optional Cover

In addition to the above, we offer optional cover for: Winter Sports, Extended Gadget and additional activity packs. 

To keep our prices low, we don't bloat your policy with cover that most people don't need. However, we do offer a range of options for those that do want some specific types of cover including Winter Sports Cover (Ski and Snowboard) and Gadget Cover. For more information, see our Optional Cover page.


Our basic policy covers you for over 100 common holiday activities including body boarding, surfing and water skiing, but if you fancy doing something a bit more adventurous whilst on holiday then we have a range of activity packs that you can add on to your policy. For full information see our Activities page.


To find out about which countries we cover, please see our Country List.