Several Levels of Cover

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

Levels of Cover


Some description.

Check the table below to compare the cover levels. To view the policy small print, click HERE or hit that document icon.

If you want to know about the DOGTAG Summit activities we cover, simply check the Sports/Activities List. 

Dogtag Annual Multi Trip & Single Trip Cover Summary

PRE-TRAVEL POLICY
DOGTAG MAX
Sections of CoverUp ToExcess
A1. If you are unable to go on your trip
(For additional premium extra cancellation cover can be purchased to a maximum of £10,000 for each insured person)  
£5,000£110
DEPARTURE PROBLEMS
DOGTAG MAX
Sections of CoverUp ToExcess
B1. If your travel plans are disrupted  £1,000Nil
- If you choose to cancel after a 12 hour delay  £5,000£110
- Missed departure  £1,000Nil
EMERGENCY MEDICAL
DOGTAG MAX
Sections of CoverUp ToExcess
B2 If you need emergency medical attention  £10,000,000£125*
- Emergency dental treatment  £250£100
- Public hospital inconvenience benefit per 24 hours  £25 / day (max £1,000)Nil
IF YOU NEED TO COME HOME EARLY
DOGTAG MAX
Sections of CoverUp ToExcess
B3. If you need to come home early  £5,000£110
PERSONAL POSSESSIONS
DOGTAG MAX
Sections of CoverUp ToExcess
B4. If your possessions are lost, stolen or damaged  £2,000£110
- Clothes£600
- Luggage£200
- Shoes£200
- Cosmetics£200
- Fine jewellery and watches£250
- Electrical items and photographic equipment£250
- Eyewear£200
- Unreceipted Items£150
• If your possessions are delayed by 24 hours  £50 / Day (max £150)Nil
MONEY AND PASSPORT
DOGTAG MAX
Sections of CoverUp ToExcess
B5. If your cash is lost or stolen  £200£80
If your passport is lost or stolen:  
- Cover to contribute towards the cost of an emergency travel document  £50£110
- Cover for necessary costs collecting your emergency travel document on your trip (taxi, transport to and from embassy, cost of photos).  £150' '
HIJACKING & MUGGING
DOGTAG MAX
Sections of CoverUp ToExcess
B6. If you are hijacked  £150 / Day (max £1,500)Nil
- If you are mugged  £50 / Day (max £500)Nil
PERSONAL LIABILITY
DOGTAG MAX
Sections of CoverUp ToExcess
B7. PERSONAL LIABILITY  £2,000,000Nil
ACCIDENTAL DEATH & DISABILITY
DOGTAG MAX
Sections of CoverUp ToExcess
- Accidental death benefit£10,000Nil
B8. Accidental death and disability benefit  
- Permanent loss of sight or limb£10,000Nil
- Permanent total disablement£25,000Nil
LEGAL ADVICE
DOGTAG MAX
Sections of CoverUp ToExcess
B9. If you need legal advice  30 mins free advice. £25,000 in pursuing compensation£250
NATURAL DISASTER
DOGTAG MAX
Sections of CoverUp ToExcess
B10. If a natural disaster occurs  £1,000£110
PET CARE
DOGTAG MAX
Sections of CoverUp ToExcess
B11. Pet care  £50 / Day (max £300)Nil
WITHDRAWAL OF SERVICES
DOGTAG MAX
Sections of CoverUp ToExcess
B12. Withdrawal of services  
1. water or electrical facilities£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 MAX
Sections of CoverUp ToExcess
B13. Golf extension  
• If your golf equipment is lost, stolen or damaged  £2,000£100
- Single Article Limit£500
- Unreceipted items£150
• If your golf equipment is delayed by 12 hours  £30 / Day (max £300)Nil
• If you are unable to play golf due to adverse weather conditions  £100 / Day (max £400)Nil
BUSINESS EXTENSION
DOGTAG MAX
Sections of CoverUp ToExcess
B14. BUSINESS EXTENSION
• If your business equipment is lost, stolen or damaged  £1,500£100
- Single Article Limit£500
- Computer equipment single article limit£1,000
- Unreceipted Items£150
• If your business money is lost or stolen£1,000£100
• If your mobile phone is lost, stolen or damaged£100Nil
• If your business samples and/or equipment are delayed by 12hrs  £30 / Day (max £300)£100
• Cover for transport costs to replace business samples if original samples are delayed by more than 12hrs on your outward journey.£200£100
• If you are unable to commence or continue your business trip£1,500£100
WINTER SPORTS EXTENSION
DOGTAG MAX
Sections of CoverUp ToExcess
B15. Winter sports extension
• Ski equipment  £2,000£110
- Unreceipted Items£150
• Delayed ski equipment  £20 / day (max £200)Nil
• Loss of ski pack  £75 / Day (max £300)Nil
• Piste closure  £20 / Day (max £240)Nil
• Avalanche closure  £20 / Day (max £240)Nil
SCUBA DIVING EXTENSION
DOGTAG MAX
Sections of CoverUp ToExcess
B16. Scuba diving extension
• Scuba diving equipment  £2,000£50
- Single Article Limit£500
- Unreceipted Items£150
• Delayed diving equipment  £40 / day (max £200)Nil
• Loss of diving days£50 / day (max £250)Nil
SAILING EXTENSION
DOGTAG MAX
Sections of CoverUp ToExcess
B17 Sailing extension
• Sailing equipment  £2,000£50
• Delayed sailing equipment  £40 / day (max £200)Nil
• If you are unable to commence or continue your sailing trip  £5,000£60
• Loss of sailing days  £50 / day (max £250)Nil

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