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 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 sports we cover, simply check the Sports List. Which countries do we cover? Click HERE.

Dogtag Annual Multi Trip & Single Trip Cover Details

TRAVEL COVER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
A1. CANCELLATION COVER  £500£150£1,500£135£5,000£110
• Excursions£150£150£150
DEPARTURE PROBLEMS
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B1. MISSED DEPARTURE  N/AN/A£500Nil£1,000Nil
• Delay  £500Nil£10 / 12 hrs (max £100)Nil£20 / 12 hrs (max £300)Nil
• AbandonmentN/AN/A£1,500£135£5,000N/A
• Alternative TravelN/AN/A£1,500£135£5,000£110
PERSONAL LUGGAGE & POSSESSIONS
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B2. DELAYED PERSONAL POSSESSIONSN/AN/A£25 / day (max £150)Nil£50 / day (max £150)Nil
B2. PERSONAL POSSESSIONS£200£150£1,000£110£2,000£110
• Single article, pair or set.£100£100£200
• Valuables (aged 18 and over)£100£100£200
• Valuables (aged 17 and under)£100£100£200
B3. PERSONAL MONEY£100£150£100£200£80
• Cash (aged 18 and over)£100£100£200
• Cash (aged 17 and under)£100£100£200
B3. LOSS OF TRAVEL DOCUMENTSN/AN/A£150£135£200£110
EMERGENCY MEDICAL EXPENSES
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B4. EMERGENCY MEDICAL & ASSOCIATED EXPENSES£3,000,000*£150£5,000,000*£115£10,000,000*£75
• Extra travel and accommodation£500Nil£1,000Nil£2,000Nil
• Dental£250£135£250£110£250£100
• Funeral expenses£2,500*£200£2,500*£165£2,500*£125
• State hospital benefitN/AN/AN/AN/A£25 / day (max £1,000)Nil
CUTTING SHORT YOUR TRIP
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B5. Cutting short your trip Cover£500£150£1,500£135£5,000£110
PERSONAL LIABILITY & PERSONAL ACCIDENT
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B6. PERSONAL LIABILITY£2,000,000£150£2,000,000Nil£2,000,000Nil
B7. PERSONAL ACCIDENT
• Death (aged 18 & over)£10,000Nil£10,000Nil£10,000Nil
• Death (aged 17 & under)£1,000Nil£2,500Nil£2,500Nil
• Permanent loss of sight or limb£10,000Nil£10,000Nil£25,000Nil
• Permanent total disablement (aged 18 & over)£10,000Nil£10,000Nil£25,000Nil
• Permanent total disablement (aged 17 & under)N/AN/AN/AN/AN/AN/A
B8. LEGAL EXPENSES
• Legal costs£10,000£250£15,000£250£25,000£250
• Travel and accommodation£250£250£250
CALAMITY, FINANCIAL PROTECTION AND PERSONAL ASSISTANCE
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B9. CATASTROPHEN/AN/AN/AN/A£1,000£60
B10. HiJACKN/AN/A£100 / day (max £1,000)Nil£150 / day (max £1,500)Nil
B11. MUGGINGN/AN/A£30 / day (max £300)Nil£50 / day (max £500)Nil
B12. WITHDRAWAL OF SERVICESN/AN/A£30 / day (max £300)Nil£50 / day (max £500)Nil
B13. HOLIDAY FINANCIAL PROTECTION£3,000Nil£3,000Nil£3,000Nil
B14. PET CAREN/AN/A£25 / day (max £150)Nil£50 / day (max £300)Nil
B15. PERSONAL ASSISTANCE SERVICES£250Nil£250Nil£250Nil
WINTER SPORTS COVER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B16. WINTER SPORTS COVER
• Ski pack£75 / day (max £300)£100£75 / day (max £300)£135£75 / day (max £300)£110
• Delayed ski equipment£20 / day (max £200)Nil£20 / day (max £200)Nil£20 / day (max £200)Nil
• Ski equipment£500 (unreceipted items £150)£100£1,000 (unreceipted items £150)£100£2,000 (unreceipted items £150)£100
• Piste closure£20 / day (max £200)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
ENHANCED GOLF COVER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B17. GOLF COVER
• Pre-paid green feesN/AN/A£100 / day (max £400)Nil£100 / day (max £400)Nil
• Delayed golf equipmentN/AN/A£30 / day (max £300)Nil£30 / day (max £300)Nil
• Golf equipment (single article limit)N/AN/A£1,000 (£500)£100£2,000 (£500)£100
ENHANCED BUSINESS COVER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B18. BUSINESS COVER
• Replacement Business AssociateN/AN/A£1,0000£125£1,500£100
• Delayed business equipmentN/AN/A£30 / day (max £300)Nil£50 / day (max £500)Nil
• Business equipment (Single Item)N/AN/A£1000 (£500)£125£1000 (£500)£100
• Business equipment (Computer Equipment)(£1,000)(£1,000)
• Business samplesN/AN/A£500£125£500£100
• Emergency courier of business equipmentN/AN/A£200£125£200£100
• Business money (cash limit)N/AN/A£1,000 (£500)£125£1,000 (£500)£100
ENHANCED SCUBA DIVING COVER
DOGTAG BASEDOGTAG PRODOGTAG MAX
Sections of CoverUp ToExcessUp ToExcessUp ToExcess
B19. SCUBA DIVING COVER
• Loss of diving daysN/AN/A£50 / day (max £250)Nil£50 / day (max £250)Nil
• Delayed diving equipmentN/AN/A£40 / day (max £200)Nil£40 / day (max £200)Nil
• Diving equipment (single article limit)N/AN/A£1000 (£250)£100£2,500 (£500)£100

Significant Exclusions

  • You must be a resident of the United Kingdom or the Channel Islands and not have spent more than six months abroad in the year before buying this policy to be eligible for this insurance

This insurance will not cover:

  • any deterioration of or loss or damage to property, any injury, illness, death or expense directly or indirectly due to, contributed to or caused by any pre-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 during the last two years 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 that is due to your suicide, self-injury or any wilful act of self exposure to peril.
  • 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.
  • Cancellation of your trip due to a medical condition of a person travelling with you and included on your booking, where the risk attaching to that medical condition has not been accepted by us in writing.
  • You being under the influence of drugs (except those prescribed by your registered doctor but not if prescribed for drug addiction).
  • You or your close relative or business associate being under the influence of alcohol or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.
  • Any claim where you have not obtained a written statement at the time of the cancellation confirming the necessity to cancel your trip.
  • The excess as shown on your summary of cover for each and every incident giving rise.
  • You travelling against the advice or recommendations published by the Foreign and Commonwealth Office and applicable at the time of your departure.

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

*Sports and leisure and winter sports activities excess

The Excess under Emergency medical and associated expenses - Section B4 is increased as follows when taking part in the following categories of sports and leisure acitivities and winter sports activities:

MAX cover - Sport+ excess £200, Extreme and Extreme+ excess £275
PRO cover - Sport+ excess £265, Extreme and Extreme+ excess £365
BASE cover - Sport+ excess £300, Extreme and Extreme+ excess £400
BACKPACKER cover - Sport+ excess £200, Extreme excess £275

*Manual work excess

The excess under Emergency medical and associated expenses - Section 2 is increased to £300 when taking part in voluntary manual work regardless of whether or not the excess waiver premium has been paid.