Policy Benefits and Prices

Columbus Direct has welcomed more than 10 million customers and has a global reputation for quality travel insurance. We are very proud of the cover we can offer to our customers. This is a summary of all benefits. You can view the complete terms and conditions of the insurance here.

Our Single Trip and Annual Multi-Trip policies are available with different levels of cover: Standard and Premier. Ski, Golf and Business Cover can be added as an option to either the Standard or Premier policies. A Zero Excess option is also available. For Annual Multi-Trip policies the maximum trip duration is 31 days, but for a small additional premium you can select the 60 day per trip option.

Cover Limits Schengen Cover Standard Cover Premier Cover
24 hour Assistance Service
Medical Expenses US$ 50,000 US$ 500,000 US$ 14 million
Cancellation & Curtailment   US$ 2,500 US$ 7,500
Missed Departure   US$ 500 US$ 1,200
Travel Delay     US$ 300
Baggage   US$ 1,000 US$ 4,000
Cash & Documents   US$ 500 US$ 1,500
Personal Accident   US$ 20,000 US$ 40,000
Personal Liability   US$ 100,000 US$ 3 million
Legal Expenses     US$ 40,000
Catastrophe     US$ 750
Hijack     US$ 4,500
Terrorism Cover
Car Hire Excess Insurance (Collision Damage Waiver)     US$ 525
Optional Cover:
Replacement Business Colleague (Business Extension)   US$ 5 000 US$ 5 000
Business Equipment (Business Extension)   US$ 2 500 US$ 2 500
Business Documents (Business Extension)   US$ 300 US$ 300
Piste Closure (Winter Sports Extension)   US$ 400 US$ 400
Winter Sports Equipment (Winter Sports Extension)   US$ 500 US$ 500
Winter Sports Equipment - Hired (Winter Sports Extension)   US$ 400 US$ 400
Winter Sports Pack (Winter Sports Extension)   US$ 400 US$ 400
Winter Sports Medical Cover (Winter Sports Extension)  
Adventure Sports Cover (Adventure Sports Extension)  
Golf  Equipment (Golf Extension)   US$ 3,000 US$ 3,000
Green Fees Cancellation Insurance (Golf Extension)   US$ 500 US$ 500

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24 hour Assistance Service

Should you require emergency medical treatment or repatriation, our policies provide you with access to 24hr multilingual emergency assistance.

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Medical Expenses

Whether it's injury or illness, our policies cover you for both emergency in-patient and out-patient treatment, which includes non-routine prescription charges, consultations and even emergency dental treatment. If it becomes medically necessary to repatriate you back to your home country, then this is covered too.

  • Medical Treatment and Hospitalisation
  • Emergency Dental Treatment
  • Hospital Cash Allowance: Up to US$ 4,500 (limit per day: up to US$ 50)

The excess on Medical Expenses is US$150 (US$0 with Zero Excess Option).

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Cancellation & Curtailment

We will compensate you for any unused accommodation and travel expenses which you lose or incur as a result of having to cancel / curtail your holiday due to certain reasons.

The excess on Cancellation & Curtailment is US$75 (US$0 with Zero Excess Option).

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Missed Departure

This benefit covers you for necessary hotel and travelling expenses (not including food, drink and telephone expenses) incurred in reaching your booked destination if you arrive too late to commence your booked trip from your or to your country of residence, as a result of being delayed.

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Travel Delay

We will offer you financial compensation if your outward or homeward journey is delayed more than 6 hours.

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Baggage

We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.

The excess on Baggage Cover is US$75 (US$0 with Zero Excess Option).

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Cash & Documents

We cover the cost of replacing your personal documents. We also cover the loss and theft of your money.

The excess is US$75 (US$0 with Zero Excess Option).

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Personal Accident

In the event of accidental injury, disablement or death, a lump sum payment will be issued to you or the persons chosen by you.

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Personal Liability

We cover accidental damage to third parties (person or property) inflicted by the insured while travelling.

  • Accidental bodily injury
  • Accidental damage to Third Party Property

The excess on Personal Liability Cover is US$250 (US$0 with Zero Excess Option).

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Legal Expenses

If you suffer personal injury, we cover the cost for a juridical procedure / legal advice

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Catastrophe

If you are forced to move away from your accommodation as a result of a catastrophe, we'll offer you financial compensation.

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Hijack

If your means of transport gets hijacked, we’ll offer you financial compensation

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Terrorism Cover

In the event of terrorist activity the following cover applies provided you are not actively engaged in the events and have not travelled or do not remain contrary to Foreign & Commonwealth office advice or advice issued by the Foreign Office (or equivalent) of your Country of Residence:

  • Medical and Other Expenses (up to 1% of the Medical Expenses limit) 
  • Hospital Cash Allowance
  • Hijack

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Car Hire Excess Insurance (Collision Damage Waiver)

Covers the excess payable on a car rental contract (if the contract is in the name of the insured and the duration of the car rental contract falls within the period of insurance) as a result of:

  • Vehicle damage
  • Damage to windows
  • Damage to tyres
  • Damages to the undercarriage and roof
  • Vandalism
  • Fire
  • Theft and attempted theft

.

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Business Cover

We cover the loss and theft of and damage to your business equipment and business documents. If you have to cancel / curtail your business trip due to certain reasons, we will pay for the travel expenses of a colleague to replace you at your destination.

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Ski Cover

Whether you are skier or a snowboarder, a seasoned pro or just a beginner, including Winter Sports cover in your travel insurance policy can help protect your health and your wallet.

Our Winter Sports cover extension covers you for: lost, damaged or stolen equipment, piste closure, unused lift pass / ski school / equipment hire costs and medical costs. Tick the Add Box option to view the levels of cover provided and see the policy wording for full details.

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Adventure Sports Cover

We cover many sports and activities as standard*:
Ballooning as a passenger, basketball, boxing training (no contact), bungee jumping (maximum 2 jumps), cycling (not touring), dinghy sailing, elephant riding (1‐2 days), hiking, horse riding (not jumping), jet boating, kayaking/ canoeing/rafting involving white water rapids grades 1, 2 and 3, marathon running, martial arts training, mopeds, motorcycling on vehicles up to 125cc, overland expedition, parascending/ parasailing, passenger light aircraft/helicopter, river‐sledging, running, safari, sailing inshore (inside 20km limit), scuba diving with a qualified diving instructor (maximum depth 30 metres), sea canoeing, snorkelling, surfing, trekking, water skiing, weightlifting, windsurfing.

The following sports and activities are covered with the Adventure Pack cover extension:*
Abseiling, American football, bungee jumping (more than 2 jumps), cricket, deep sea fishing (inside 20km limit), fencing, football/soccer, gliding, gymnastics, hockey, kayaking/canoeing/rafting involving white water rapids grades 4 and 5, polo, rugby (union or league), scuba diving (maximum depth 30 metres).

* Personal Liablility cover exclusions apply for ownership, possession or use of vehicles, aircraft, watercraft, parachuting, paragliding, hangliding, hot air ballooning or use of firearms.

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Golf Cover

If you plan to play golf, or take your golf clubs on holiday then it is a good idea to consider adding Golf cover to your policy. Your golf equipment will be covered, as will club fees and hire equipment. You will also be covered for personal liability and accidental damage. Tick the box to view the levels of cover provided and see the policy wording for full details.

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