Several Levels of Cover

Several options depending on the type of travelling you intend to do.

Levels of Cover


Dogtag has 3 Levels of Cover offering varying levels of compensation depending on your budget and travel needs.

If you're taking a Couple or Family policy, these cover levels are per person:

Some description

    • BASE:- wide-ranging cover at a competitive price. Ideal if you’re traveling light on a low-cost holiday.
    • PRO:- our optimum cover level , and our most popular – higher cover levels and wide ranging protection.
    • MAX:- our highest cover level. Complete peace of mind for you and your holiday.

Check the cover table below to compare these cover levels.

Note: this is only a summary of cover. To view the full policy wording, click HERE or hit that document icon.
If you want to know about the sports we cover, simply check the Sports List. Which countries do we cover? Click HERE.

Dogtag Annual Multi Trip & Single Trip Cover Summary

PRE-TRAVEL POLICY
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
A1. If you are unable to go on your trip  £1,000£125£1,500£135£5,000£110
DEPARTURE PROBLEMS
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B1. If your travel plans are disrupted  No CoverNil£20 per Dat up to a max of £200Nil£1,000Nil
- If you choose to cancel after a 12 hour delay  No CoverNil£1,500£135£5,000£110
- Missed departure  No CoverNil£500Nil£1,000Nil
EMERGENCY MEDICAL
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B2 If you need emergency medical attention  £3,000,000£200*£5,000,000£165*£10,000,000£125*
- Emergency dental treatment  £250£135£250£110£250£100
- Public hospital inconvenience benefit per 24 hours  No CoverNILNo CoverNil£25 / day (max £1,000)Nil
IF YOU NEED TO COME HOME EARLY
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B3. If you need to come home early  £500£150£1,500£135£5,000£110
PERSONAL POSSESSIONS
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B4. If your possessions are lost, stolen or damaged  £200£150£1,000£110£2,000£110
- Clothes£100£250£600
- Luggage£100£200£200
- Shoes£100£200£200
- Cosmetics£100£200£200
- Fine jewellery and watches£100£200£250
- Electrical items and photographic equipment£100£200£250
- Eyewear£100£200£200
- Unreceipted Items£150£150£150
• If your possessions are delayed by 24 hours  No CoverNil£25 / Day (max £150)Nil£50 / Day (max £150)Nil
MONEY AND PASSPORT
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B5. If your cash is lost or stolen  £100£150£200£80£200£80
If your passport is lost or stolen:  
- Cover to contribute towards the cost of an emergency travel document  No CoverNil£50£135£50£110
- Cover for necessary costs collecting your emergency travel document on your trip (taxi, transport to and from embassy, cost of photos).  No CoverNil£100' '£150' '
HIJACKING & MUGGING
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B6. If you are hijacked  No CoverNil£100 / Day (max £1,000)Nil£150 / Day (max £1,500)Nil
- If you are mugged  No CoverNil£30 / Day (max £300)Nil£50 / Day (max £500)Nil
PERSONAL LIABILITY
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B7. PERSONAL LIABILITY  £2,000,000£150£2,000,000Nil£2,000,000Nil
ACCIDENTAL DEATH & DISABILITY
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
- Accidental death benefit£10,000Nil£10,000Nil£10,000Nil
B8. Accidental death and disability benefit  
- Permanent loss of sight or limb£10,000Nil£10,000Nil£10,000Nil
- Permanent total disablement£10,000Nil£10,000Nil£25,000Nil
LEGAL ADVICE
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B9. If you need legal advice  30 mins free advice. £10,000 in pursuing compensation£25030 mins free advice. £15,000 in pursuing compensation£25030 mins free advice. £25,000 in pursuing compensation£250
NATURAL DISASTER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B10. If a natural disaster occurs  No CoverNilNo CoverNil£1,000£110
PET CARE
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B11. Pet care  No CoverNil£25 / Day (max £150)Nil£50 / Day (max £300)Nil
WITHDRAWAL OF SERVICES
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B12. Withdrawal of services  
1. water or electrical facilitiesNo CoverNil£30 Day (max £300)Nil£50 / Day (max £500)Nil
2. swimming pool facilities''''''''''''
3. kitchen services to the extent no food is available''''''''''''
4. chambermaid services.''''''''''''
GOLF EXTENSION
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B13. Golf extension  
• If your golf equipment is lost, stolen or damaged  No CoverNil£1,000£100£2,000£100
- Single Article LimitNo CoverNil£500£500
- Unreceipted itemsNo CoverNil£150£150
• If your golf equipment is delayed by 12 hours  No CoverNil£30 / Day (max £300)Nil£30 / Day (max £300)Nil
• If you are unable to play golf due to adverse weather conditions  No CoverNil£100 / Day (max £400)Nil£100 / Day (max £400)Nil
BUSINESS EXTENSION
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
• If your business equipment is lost, stolen or damaged  No CoverNil£1,000£125£1,500£100
- Single Article LimitNo Cover£500£500
- Computer equipment single article limitNo Cover£1,000£1,000
- Unreceipted ItemsNo Cover£150£150
• If your business money is lost or stolenNo CoverNil£1,000£125£1,000£100
• If your mobile phone is lost, stolen or damagedNoCoverNil£100Nil£100Nil
• If your business samples and/or equipment are delayed by 12hrs  No CoverNil£30 / Day (max £300)Nil£30 / Day (max £300)Nil
• Cover for transport costs to replace business samples if original samples are delayed by more than 12hrs on your outward journey.No CoverNil£200£125£200£100
• If you are unable to commence or continue your business tripNo CoverNil£1,500£125£1,500£100
WINTER SPORTS EXTENSION
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B15. Winter sports extension
• Ski equipment  £500£100£1,000£100£2,000£110
- Unreceipted Items£150£150£150
• Delayed ski equipment  £20 / day (max £200)Nil£20 / day (max £200)Nil£20 / day (max £200)Nil
• Loss of ski pack  £75 / Day (max £300)Nil£75 / Day (max £300)Nil£75 / Day (max £300)Nil
• Piste closure  £20 / day (max £240)Nil£20 / Day (max £240)Nil£20 / Day (max £240)Nil
• Avalanche closure  £20 / day (max £240)Nil£20 / Day (max £240)Nil£20 / Day (max £240)Nil
SCUBA DIVING EXTENSION
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B16. Scuba diving extension
• Scuba diving equipment  No CoverNil£1,000£100£2,000£100
- Single Article LimitNoCover£250£500
- Unreceipted ItemsNo Cover£150£150
• Delayed diving equipment  No CoverNil£40 / day (max £200)Nil£40 / day (max £200)Nil
• Loss of diving daysNo covernil£50 / day (max £250)Nil£50 / day (max £250)Nil

Dogtag Backpacker Trip Cover Summary

PRE-TRAVEL POLICY
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
A1. If you are unable to go on your trip  £1,000£125£2,500£125
DEPARTURE PROBLEMS
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B1. If your travel plans are disrupted  No CoverNil£20 / 24hrs up to a max of £200Nil
- If you choose to cancel after a 12 hour delay  No CoverNil£2,500£125
- Missed departure  No CoverNil£500Nil
EMERGENCY MEDICAL
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B2 If you need emergency medical attention  £1,000,000£125*£5,000,000£125*
- Emergency dental treatment  £100Nil£100Nil
- Public hospital inconvenience benefit per 24 hours  No CoverNIL£20 / 24hrs up to a max of £200Nil
IF YOU NEED TO COME HOME EARLY
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B3. If you need to come home early  £500£125£500£125
PERSONAL POSSESSIONS
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B4. If your possessions are lost, stolen or damaged  £300£125£1,000£125
- Clothes£140£150
- Luggage£140£150
- Shoes£140£140
- Cosmetics£140£140
- Fine jewellery and watches£150£300
- Electrical items and photographic equipment£150£300
- Eyewear£140£140
- Unreceipted Items£150£150
• If your possessions are delayed by 24 hours  £20 / 24hrs up to a max of £100Nil£20 / 24hrs up to a max of £100Nil
MONEY AND PASSPORT
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B5. If your cash is lost or stolen  £200£125£500£125
If your passport is lost or stolen:  
- Cover to contribute towards the cost of an emergency travel document  No CoverNil£50£125
- Cover for necessary costs collecting your emergency travel document on your trip (taxi, transport to and from embassy, cost of photos).  No CoverNil£150' '
HIJACKING & MUGGING
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B6. If you are hijacked  No CoverNil£100 / 24hrs (max £500)Nil
- If you are mugged  No CoverNil£50 / Day (max £500)Nil
PERSONAL LIABILITY
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B7. PERSONAL LIABILITY  £2,000,000£125£2,000,000£125
ACCIDENTAL DEATH & DISABILITY
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B8. Accidental death and disability benefit  
- Accidental death benefit£5,000Nil£15,000Nil
- Permanent loss of sight or limb£5,000Nil£15,000Nil
- Permanent total disablement£5,000Nil£5,000Nil
LEGAL ADVICE
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B9. If you need legal advice  30 mins free advice. £5,000 in pursuing compensation£12530 mins free advice. £25,000 in pursuing compensation£125
NATURAL DISASTER
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B10. If a natural disaster occurs  No CoverNilNo CoverNil
PET CARE
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B11. Pet care  No CoverNilNo CoverNil
WITHDRAWAL OF SERVICES
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B12. Withdrawal of services  
1. water or electrical facilitiesNo CoverNilNo CoverNil
2. swimming pool facilities''''''''
3. kitchen services to the extent no food is available''''''''
4. chambermaid services.''''''''
GOLF EXTENSION
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B13. Golf extension  
• If your golf equipment is lost, stolen or damaged  No CoverNil£1,000£100
- Single Article LimitNo CoverNil£500"
- Unreceipted itemsNo Cover"£150"
• If your golf equipment is delayed by 12 hours  No CoverNil£30 / Day (max £300)Nil
• If you are unable to play golf due to adverse weather conditions  No CoverNil£100 / Day (max £400)Nil
BUSINESS EXTENSION
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B14. BUSINESS EXTENSION
• If your business equipment is lost, stolen or damaged  No CoverNil£1,0000£125
- Single Article LimitNo Cover£500
- Computer equipment single article limitNo Cover£1,000
- Unreceipted ItemsNo Cover"£150"
• If your business money is lost or stolenNo CoverNil£1,000£125
• If your mobile phone is lost, stolen or damagedNoCoverNil£100Nil
• If your business samples and/or equipment are delayed by 12hrs  No CoverNil£30 / Day (max £300)Nil
• Cover for transport costs to replace business samples if original samples are delayed by more than 12hrs on your outward journey.No CoverNil£200£125
• If you are unable to commence or continue your business tripNo CoverNil£1,000£125
WINTER SPORTS EXTENSION
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B15. Winter sports extension
• Ski equipment  No CoverNil£1,000£100
- Unreceipted ItemsNo Cover£150
• Delayed ski equipment  No CoverNil£20 / day (max £200)Nil
• Loss of ski pack  No CoverNil£75 / Day (max £300)Nil
• Piste closure  No CoverNil£20 / Day (max £240)Nil
• Avalanche closure  No CoverNil£20 / Day (max £240)Nil
SCUBA DIVING EXTENSION
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B16. Scuba diving extension
• Scuba diving equipment  No CoverNil£1,000£100
- Single Article LimitNoCover£250
- Unreceipted ItemsNo Cover£150
• Delayed diving equipment  No CoverNil£40 / day (max £200)Nil
• Loss of diving daysNo covernil£50 / day (max £250)Nil
SAILING EXTENSION
DOGTAG BASEDOGTAG PRO
Sections of CoverUp ToExcessUp ToExcess
B17 Sailing extension
• Sailing equipment  No CoverNilNo CoverNil
• Delayed sailing equipment  No CoverNilNo CoverNil
• If you are unable to commence or continue your sailing trip  No CoverNilNo CoverNil
• Loss of sailing days  No CoverNilNo CoverNil

Conditions and Exclusions applying to your policies

Below are some important conditions and exclusions which apply to your pre travel and travel policy. It is recommended that you read this along with the conditions for each section of your policies as this will make sure that you are aware of any conditions which may affect your circumstances or likelihood to claim. You can view or download the full policy wording by visiting our Download Zone

APPLYING TO ALL SECTIONS OF YOUR POLICIES:

You are not covered under any section, unless specified, for any of the following circumstances:

  • Any trip under an annual multi-trip policy that exceeds 31 days duration. This includes not insuring you for part of a trip which is longer than 31 days, unless you have paid the appropriate additional premium to increase the duration to 62 days.
  • Any costs incurred before departure (except cancellation) or after you return home.
  • More than the proportionate cost of your trip and any claim against the policy (all sections) where you have not insured for the full cost of your trip.
  • Loss of earnings, additional hotel costs, additional car hire, Visa’s, ESTAs, additional parking fees, vaccinations, inoculations, kennel fees or any other loss unless it is specified in the policy.
  • The cost of taxi fares, telephone calls, faxes or any expenses for food or drink.
  • Any claim arising from any relevant information known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable.
  • The operation of law, or as a result of an unlawful act or criminal proceedings against anyone included in your booking, or any deliberate or criminal act by an insured person.
  • Within the last 2 years, any existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant or for which you are awaiting or receiving treatment or under investigation, unless we have agreed cover in writing and any additional premium has been paid.
  • Any claim due to your carrier’s refusal to allow you to travel for whatever reason.
  • Any costs which are due to any errors or omissions on your travel documents.
  • Delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government officials or authorities of any country.
  • Manual labour (see policy definition on page 9 of the policy wording).
  • The usage of Drones (see policy definition on page 10).
  • You travelling against the advice or recommendations published by the Foreign and Commonwealth Office applicable at the time of your departure.
  • You piloting or travelling in an aircraft not licensed to carry passengers.
  • You travelling on a motorised vehicle for which you do not hold appropriate qualifications to ride in the UK or the Channel Islands.
  • If you are riding pillion, the rider must also hold appropriate qualifications.
  • You travelling on a motorcycle or moped without wearing a crash helmet, whether legally required locally or not.
  • Cruises (see policy definition on page 9 in the policy wording).
  • Any payments made or charges levied after the date of diagnosis of any change in your health or medication after the policy was bought unless this has been advised to us and any revised terms or conditions have been confirmed in writing.
  • Your suicide, self-injury, reckless behaviour or any wilful act of self-exposure to danger or infection/injury (except where it is to save human life).
  • In respect of all sections other than emergency medical expenses - war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.
  • Participation in any sports and activities listed in the Sport+, Extreme and Extreme+ activities detailed on the “Dogtag Hazardous Activities” list unless the appropriate additional premium has been paid and the policy endorsed (see definitions for sports and activities page 10).
  • Your failure to obtain the required passport, visa or ESTA.
  • You, your travelling companion, close relative or business associate being under the influence of:- - drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction); - alcohol (a blood alcohol level that exceeds 0.19% – approximately four pints or four 175ml glasses of wine); - solvents, or; - or anything relating to you, your travelling companion, close relative or business associates prior abuse of drugs, alcohol or solvents.
  • Any claim that is due to any failure (including financial) of your travel agent or tour operator, any transport or accommodation provider, their agent or anybody who is acting as your agent, unless specified.
  • Any claim due to your carrier’s refusal to allow you to travel for whatever reason.

Please note, these are just the significant exclusions of your policy, you must refer to the policy wording for a full list of exclusions