Optional Enhanced Personal Accident Cover

When buying travel insurance for a trip abroad, many travellers often pay more attention to the level of cover for  things like trip cancellation or losing baggage while abroad, however, if you are travelling to a high-risk destination, it is important to not overlook the level of personal accident cover on your travel insurance policy.

Do I Need Personal Accident Cover on My Travel Insurance?

If you are travelling to a hostile environment, there may be an increased risk of suffering a life changing injury, such as the loss of a limb or losing your sight. If your policy includes personal accident cover, you will have cover up to the amount shown in the benefits schedule in the unfortunate event this occurs. 

The High Risk Voyager Travel Insurance policy has personal accident cover included, up to £10,000 on the Standard level of cover and £15,000 on the Enhanced level of cover. However, by selecting the  Enhanced Personal Accident Option you can increase the limit on the Personal Accident section to £25,000 or even £100,000. 

You can achieve it in just a few clicks, by adding our Enhanced Personal Accident Option to your travel insurance policy.

What is Covered on High Risk Voyager Enhanced Personal Accident Cover?

Below is a brief explanation of what is covered on High Risk Voyager Travel Insurance with enhanced personal accident cover. However, you should always refer to the High Risk Voyager Travel Insurance Policy wording for full cover limits, terms, conditions, and exclusions.

    Applicable to both levels of cover Excess
E1 Personal Accident Principal Sum

Scale of Benefits:

  1. Accidental death due to kidnapping or hijack
  2. Permanent total disablement
  3. Paralysis - Quadriplegia, Paraplegia, Hemiplegia
  4. Loss of 2 or more limbs
  5. Permanent entire loss of sight in both eyes
  6. Permanent entire loss of hearing in both ear
  7. Disappearance due to expose to elements (after 1 year)
  8. Accidental Death
  9. Permanent entire loss of sight in one eye
  10. Permanent entire loss of hearing in one ear
  11. Permanent entire loss of speech

Additional Spousal & Support Benefits

  1. Home modification benefits
  2. Dependent child benefit
£25,000

% of Principal Sum

200%
100%
100%
100%
100%
100%
100%
50%
50%
50%
50%

 

£10,000
£2,500

Nil

Note: The table above is only a summary of the cover. The sections of “enhanced personal accident cover” are explained in more detail below. However, you should always refer to the policy wording for full travel insurance cover terms, conditions, and exclusions.

Enhanced Personal Accident Cover Option Explained

Home modification benefit:

By adding the Enhanced Personal Accident Cover option to extend cover to include the cost of up to £10,000, should you require special adaptive equipment or make modifications to your home in order to accommodate your mobility around your Home due to becoming: Quadriplegic, Triplegic, Paraplegic, Hemiplegic and/or you lose 2 or more limbs.

Dependent child benefit

Our Enhanced Personal Accident Cover option will also extend cover to reimburse fees for dependent child(ren) of up to £2,500 if they are:

  1. Enrolled as a full-time student in any school or Institution for Higher Learning, such as college, university, or trade school.
  2. Enrolled in a legally licensed Day-Care Centre to provide care and supervision for your children under the age of 5 on a regular basis.

Note: With a High Risk Voyager policy, a “dependent child(ren)” is considered natural, adopted child(ren), step-child(ren), or child(ren) who are in a parent-child relationship with you, and depends on your for maintenance and support.

You should always refer to the High Risk Voyager Travel Insurance Policy wording for full cover limits, terms, conditions, and exclusions.

How Do I Get Travel Insurance With Enhanced Personal Accident Cover Quote?

It’s quick and easy to get a quote for travel insurance with enhanced personal accident cover. Simply click the ‘Get a Quote’ button and don’t forget to select the enhanced personal accident option on the 'Your Quote' page to add it to your policy.

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Please Note. Remember to add Enhanced Personal Accident Cover Option on the ‘Your Quote’ page when getting a quote to add it to your High Risk Voyager Travel Insurance policy.

Enhanced Personal Accident Cover is available on...
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