Post Office travel insurance policy details
Post Office offers single trip and annual multi-trip travel insurance to cover you whatever your needs:
Single trip covers a one-off trip within the UK or abroad, whether it's a short break or a longer holiday up to 365 days. This policy covers any age of person but the maximum number of days you can be away for varies depending on your age.
Annual multi-trip covers multiple trips within a 12 month period. This covers those aged up to 75 for various trip durations through the year.
Whether you choose single trip or annual multi-trip cover, you have 3 policy levels to choose from:
- Economy provides up to £5m medical cover, £1,000 cancellation cover and £1,500 baggage claim cover.
- Standard provides up to £7.5m medical cover, £3,000 cancellation cover, £2,000 baggage claim cover and £3,000 end supplier failure insurance.
- Premier provides up to £10m medical cover, £5,000 cancellation cover, £3,000 baggage claim cover and £5,000 end supplier failure insurance.
Post Office offers a selection of travel insurance policies and types. Not all policies may be available through our website, so the exact levels of cover and benefits may vary. Before buying travel insurance, we recommend you check the cover and benefits included.
Regardless of which policy type you choose, all Post Office policies include certain features as standard:
Emergency medical cover can help if you need emergency medical treatment as well as with repatriation if medically necessary. The value of this cover depends on your chosen policy.
Hospital benefit lets you make a claim per day if you have to stay in hospital during your trip. Premier lets you claim £40 a day, up to a maximum of £500. With the Standard cover, it’s £25 with a claims limit of £300, while Economy gives you £15 per day, up to £150.
Cancellation/curtailment cover protects you if you’re forced to cancel or cut short your trip. You should check the level of cancelation cover against the cost of your trip. For example, Economy might cover a budget holiday in Europe, but is less likely to cover a luxury holiday in the Maldives.
Personal belongings cover offers £3,000, £2,000 and £1,500 of baggage cover with Premier, Standard and Economy policies respectively. This insures you against loss, damage, destruction or theft of personal belongings. You can also make a claim if your money or travel documents are lost/stolen, up to a £500 limit with Premier, £350 with Standard and £250 for Economy.
Personal accident means you're covered if you’re in an accident during your trip and you suffer permanent total disablement, loss of limb/sight or death. Depending on your policy, you could get up to £20,000 with Premier cover, £15,000 with Standard and £5,000 through Economy.
Personal liability gives you up to £2 million of cover for personal liability should you become legally liable for injuring someone or damaging their property.
Legal expenses provides cover up to £25,000 if you have grounds to take legal action against someone.
Missed/delayed departure lets you claim for missed departure and travel delays. If you’re on the outbound journey and delayed for 12 hours or more, then you can claim for unused travel and accommodation costs. You get up to £1,500 of cover for missed departure with Premier and £750 through Standard. This feature isn't available as standard on Economy policies.
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