Coverwise travel insurance

Coverwise offers both single-trip and multi-trip travel insurance, with five levels to choose from:

• Standard
• Bronze
• Silver
• Gold
• Platinum

Their Standard cover level includes:

• Excess: £125
• Emergency medical expenses: £20 million.
• Cancellation and curtailment: £1,000.
• Infants born abroad: £150,000 if child is born in Canada, Caribbean or the USA. £75,000 elsewhere.
• Emergency dental treatment: £1,000.
• Hospital benefits:£30 for every 24 hours in hospital or quarantine, up to £2000.
• New Zealand disability: £200 a week if you’re left temporarily disabled following an accident on New Zealand roads.
• Personal accident: Up to £10,000 for serious, permanent injury, or death.
• Baggage: Up to £1,000 for lost, stolen or damaged or stolen luggage.
• Single item limit: £200 for single item, pair or set.
• Personal money: £200 for money lost, or £50 if under 16.
• Passport and documents: £100 for lost documents, and up to £400 for extra travel and accommodation fees while you arrange a replacement passport.
• Personal liability: Up to £2 million.
• Legal assistance: Up to £50,000 for civil action if you’re harmed or killed, per person, up to £100,000.

Coverwise's other cover levels come with everything included with their standard cover option, plus some added extras.

Bronze cover adds in:

• Lower excess:£100
• Cancellation and curtailment: £1,500.
• Baggage cover: £1,750.
• Passport and documents cover: £150 for claims, £350 for travel and accommodation costs.

Silver policies include all the above, plus:

• Lower excess: £50
• Cancellation and curtailment: £2,000.
• Personal accident: £20,000 for injury, £10,000 for death.
• Baggage replacement: £200 if your baggage is lost for 12 hours, £400 for 24 hours.
• Delayed departure: £20 per each 12 hours departure is delayed, up to £200.
• Abandonment: £2,000 for travel and accommodation costs if your journey is delayed by over 12 hours.
• Missed departure: £1,000 for extra accommodation and travel costs incurred if miss your connection.

Gold includes all of the above, plus:

• Cancellation and curtailment: £3,000.
• Personal accident cover: £20,000.
• Baggage cover: £2,000.
• Single item limit: £200 for single item, pair or set, £300 for all valuables.
• Passport and document cover: £300 for lost documents, £300 while arranging replacement passport or visa.
• Delayed departure cover: £20 per each 12 hour delay up to £300.
• Abandonment cover: £3,000 if your journey is delayed by over 12 hours.
• Kennel and cattery fees: £50 for every 24 hours, up to £200, for extra fees incurred due to a delay caused by your injury, illness or disease.

Platinum is Coverwise’s highest level of cover, and includes all of the above plus:

• Cancellation and curtailment: £6,000.
• Hospital benefits: £30 for every 24 hours in hospital or quarantine, up to £2,000.
• Personal accident cover: £30,000.
• New Zealand disability: £250 a week.
• Baggage cover: £3,500.
• strong>Single item limit: £300 for single item, pair or a set, and £500 total.
• Personal money cover: £350, or £50 for under 16s.
• Passport and document cover: £150 for lost documents and £500 for costs associated with arranging a replacement passport.
• Delayed departure cover: £35 after a 12-hour delay, and £20 for each subsequent 12-hour delay, up to £350.
• Abandonment cover: £6,000 for delays over 12 hours.
• Kennel and cattery fees: £50 for every 24 hours, up to £250.