The Cruise & Adventure plan exists because the trips people are most excited about are exactly the ones standard cover quietly excludes. Skiing in Niseko, diving in the Maldives, trekking in Nepal or a Southeast-Asian cruise — all of these can leave you uninsured under an ordinary plan at the precise moment you need help.
This plan builds that cover in from the start, rather than bolting it on. You get Explorer-level medical and cancellation limits, plus cover for winter and adventure sports and the cruise-specific scenarios — cabin confinement, missed sailings and onboard medical evacuation — that catch cruise travellers out.
We recommend it whenever your itinerary is active or afloat. If you’re only doing one adventurous activity on an otherwise normal trip, the Adventure boost on Explorer may be cheaper — our adviser will work out which is the better-value route for your trip.
Higher single-item limits for phones, laptops, cameras and the gear you travel with.
Raises trip-cancellation limits and widens the reasons you can claim a cancelled trip on.
Honest core cover for a short, simple getaway — medical, cancellation and baggage, nothing you won’t use.
Our most-chosen plan — higher medical and cancellation limits, gadget cover and a stronger baggage line for real holidays.
One policy, unlimited trips for twelve months — the plan for frequent flyers that usually pays off by the third getaway.