Karma Insurance Travel Insurance
Full product details for the Karma Insurance Travel Insurance, including policy details, discounts, application criteria, medical cover, financial loss cover, wintersports cover, other cover, claims, excess, australia & new zealand example quotes, europe example quotes, uk example quotes, usa example quotes and worldwide example quotes. Apply online now.
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| Company: | Karma Insurance www.karmainsurance.com | Karma Insurance www.karmainsurance.com | Karma Insurance www.karmainsurance.com |
| Product: | Backpacking/Gap Year | Single Trip | Single Trip (Winter Sports) |
| details | details | details | |
| Quote via this site: |  | | |
| | | |
| Policy Details | |||
 Online Discount: | 0% | 0% | 0% |
| Underwriter: | IGI Insurance Company Ltd | IGI Insurance Company Ltd | IGI Insurance Company Ltd |
| Europe Destinations: |  | | |
| Worldwide Destinations: | | | |
| USA Destinations: | | | |
| Max Trip Duration: | 404 | 31 | 31 |
| Discounts | |||
| No Baggage Discount: | | | |
| No Money Cover Discount: | | | |
| Member Discount: | n/a | 0% | 0% |
| No Cancellation Discount: | n/a | | |
| Child Discount: | n/a |  | |
| Application Criteria | |||
| Min Adult Age: | 18 years | 18 years | 18 years |
| Max Adult Age: | 45 years | 69 years | 69 years |
| Max w/s Age: | 45 | 69 | 69 |
| Medical Cover | |||
| Medical Screening: | | | |
| Medical Expenses: | £5,000,000 | £5,000,000 | £5,000,000 |
| PA - Death: | £5,000 | £5,000 | £5,000 |
| PA - PTD: | £20,000 | £20,000 | £20,000 |
| Hospital Benefit - Max: | £600 | £600 | £600 |
| Hospital Benefit - Day: | £20 | £20 | £20 |
| Cosmetic Surgery: | £0 | £0 | £0 |
| Dental Emergency: | up to medical si | up to medical si | up to medical si |
| UK Physiotherapy: | £0 | £0 | £0 |
| Overseas Funeral Costs: | £2,000 | £2,000 | £2,000 |
| Remains Transportation: | up to medical si | up to medical si | up to medical si |
| Financial Loss Cover | |||
| Money - Max: | £500 | £500 | £500 |
| Money - Cash: | £250 | £250 | £250 |
| Cash Advance: | 0 | 0 | 0 |
| Legal Expenses: | £15,000 | £15,000 | £15,000 |
| Loss of Passport: | £100 | £100 | £100 |
| Loss of Driving Licence: | £100 | £100 | £100 |
| Mugging: | £250 | £250 | £250 |
| Hijack Benefit: | £500 | £500 | £500 |
| Wintersports Cover | |||
| Winter Sports Cover: | standard | | standard |
| Winter Sports Equipment: | £1,500 | £0 | £1,500 |
| W/S Baggage Basis: | included | no cover | included |
| Own Equipment: | £1,000 | £0 | £1,000 |
| Hired Equipment: | £500 | £0 | £500 |
| Ski Pack: | £450 | £0 | £450 |
| Loss of Ski Pass: | £450 | £0 | £450 |
| Piste Closure - Total: | £400 | £0 | £400 |
| Piste Closure - Per Day: | £40 | £0 | £40 |
| Piste Closure - Travel: | £40 | £0 | £40 |
| Avalanche Delay: | £500 | £0 | £500 |
| Ski Hire - Total: | £500 | £0 | £500 |
| Ski Hire - Daily: | £50 | £0 | £50 |
| Off Piste Allowed?: | restricted | n/a | restricted |
| Other Cover | |||
| UK Return: | | n/a | n/a |
| Repatriation Service: | | | |
| Baggage - Basis: | wear and tear | wear and tear | wear and tear |
| Baggage - Total: | £2,000 | £2,000 | £2,000 |
| Baggage - Single Article: | £250 | £250 | £250 |
| Baggage - Valuables: | £250 | £250 | £250 |
| Baggage - Delay: | £100 | £100 | £100 |
| Cancellation/Curtailment: | £3,000 | £3,000 | £3,000 |
| Missed Departure: | £500 | £500 | £500 |
| Delay - Max: | £300 | £300 | £300 |
| Delay - 1st 12 hours: | £20 | £20 | £20 |
| Delay - subs 12 hours: | £10 | £10 | £10 |
| Travel Abandonment: | £3,000 | £3,000 | £3,000 |
| Personal Liability: | £2,000,000 | £2,000,000 | £2,000,000 |
| Extended Kennel Fees: | £200 | £200 | £200 |
| Catastrophe Delay: | £1,000 | £1,000 | £1,000 |
| Pre-Travel Service: | | | |
| Emergency Assistance: | | | |
| Additional Activities: | | | |
| Claims Receipt Limit: | £0 | £0 | £0 |
| General Exclusions: | click here | click here | click here |
| Terrorism Exclusion: | total exclusion | total exclusion | total exclusion |
| Extent of Terrorism cover: | no cover | no cover | no cover |
| Date Exclusion?: | | | |
| Claims | |||
| Basis of Settlement: | click here | click here | click here |
| General Conditions: | click here | click here | click here |
| Excess | |||
| Excess Basis: | section | section | section |
| Medical Expenses XS: | £50 | £50 | £50 |
| EHIC Medical XS Waiver: | | | |
| Baggage XS: | £50 | £50 | £50 |
| Money XS: | £50 | £50 | £50 |
| Cancellation XS: | £50 | £50 | £50 |
| Curtailment XS: | £50 | £50 | £50 |
| Abandonment XS: | £0 | £0 | £0 |
| Delayed Baggage XS: | £0 | £0 | £0 |
| Loss of Deposit XS: | £0 | £0 | £0 |
| Personal Liability XS: | £250 | £250 | £250 |
| Legal Expenses XS: | £0 | £0 | £0 |
| Australia & New Zealand Example Quotes | |||
| Aus/NZ - Single 1 month: | £46.25 | n/a | n/a |
| Aus/NZ - Single 3 months: | £90.24 | n/a | n/a |
| Aus/NZ - Single 6 months: | £150.24 | n/a | n/a |
| Aus/NZ - Single 12 months: | £260.24 | n/a | n/a |
| Aus/NZ - Couple 1 month: | £75.06 | n/a | n/a |
| Aus/NZ - Couple 3 months: | £154.23 | n/a | n/a |
| Aus/NZ - Couple 6 months: | £262.24 | n/a | n/a |
| Aus/NZ - Couple 12 months: | £460.23 | n/a | n/a |
| Auz/NZ - Single 7 Day: | n/a | £23.25 | £30.32 |
| Auz/NZ - Single 17 day: | n/a | £27.39 | £36.15 |
| Auz/NZ - Family 7 Day: | n/a | £41.99 | £56.60 |
| Auz/NZ - Family 17 day: | n/a | £51.37 | £69.73 |
| Europe Example Quotes | |||
| Europe - Single 1 month: | £34.24 | n/a | n/a |
| Europe - Single 3 months: | £76.24 | n/a | n/a |
| Europe - Single 6 months: | £126.25 | n/a | n/a |
| Europe - Single 12 months: | £236.25 | n/a | n/a |
| Europe - Couple 1 month: | £53.44 | n/a | n/a |
| Europe - Couple 3 months: | £129.02 | n/a | n/a |
| Europe - Couple 6 months: | £219.05 | n/a | n/a |
| Europe - Couple 12 months: | £417.06 | n/a | n/a |
| Europe - Single 7 days: | n/a | £16.25 | £21.25 |
| Europe - Single 17 Days: | n/a | £18.25 | £24.27 |
| Europe - Family 7 Days: | n/a | £28.44 | £39.89 |
| Europe - Family 17 Days: | n/a | £31.56 | £44.61 |
| UK Example Quotes | |||
| UK - Single 7 Days: | n/a | £16.25 | £21.25 |
| UK - Single 17 Days: | n/a | £18.25 | £24.27 |
| UK - Family 7 Days: | n/a | £28.44 | £39.89 |
| UK - Family 17 Days: | n/a | £31.56 | £44.61 |
| USA Example Quotes | |||
| USA - Single 1 month: | £50.25 | n/a | n/a |
| USA - Single 3 months: | £106.25 | n/a | n/a |
| USA - Single 6 months: | £180.25 | n/a | n/a |
| USA - Single 12 months: | £290.25 | n/a | n/a |
| USA - Couple 1 month: | £82.25 | n/a | n/a |
| USA - Couple 3 months: | £183.05 | n/a | n/a |
| USA - Couple 6 months: | £316.24 | n/a | n/a |
| USA - Couple 12 months: | £514.25 | n/a | n/a |
| USA - Single 7 Days: | n/a | £25.31 | £33.23 |
| USA - Single 17 Days: | n/a | £29.47 | £39.07 |
| USA - Family 7 Days: | n/a | £47.20 | £63.88 |
| USA - Family 17 Days: | n/a | £57.63 | £78.47 |
| Worldwide Example Quotes | |||
| Wwide - Single 1 month: | £50.25 | n/a | n/a |
| Wwide - Single 3 months: | £106.25 | n/a | n/a |
| Wwide - Single 6 months: | £180.25 | n/a | n/a |
| Wwide - Single 12 months: | £290.25 | n/a | n/a |
| Wwide - Couple 1 month: | £82.25 | n/a | n/a |
| Wwide - Couple 3 months: | £183.05 | n/a | n/a |
| Wwide - Couple 6 months: | £316.24 | n/a | n/a |
| Wwide - Couple 12 months: | £514.25 | n/a | n/a |
| Wwide - Single 7 Days: | n/a | £23.25 | £30.32 |
| Wwide - Single 17 Days: | n/a | £27.39 | £36.15 |
| Wwide - Family 7 Days: | n/a | £41.99 | £56.60 |
| Wwide - Family 17 Days: | n/a | £51.37 | £69.73 |
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