In addition to the basic sections of policy cover, some or all of the following extensions may be available, depending on what each insurer has decided to include in its particular package of cover. Some may be automatically included; others may require the payment of an additional premium:
- Hospital cash benefit: provides for a daily benefit whilst the insured person is confined to hospital.
- Delayed baggage: provides monies to make essential purchases of clothing and toiletries needed as a result of baggage being delayed for at least twelve hours.
- Travel interruption: covers the additional cost of accommodation and travel due to the failure of public transport to deliver the insured person to the departure point, on either the outward or the return journey in time to travel. Some insurers may extend cover to include delays caused by the insured’s car breaking down or being involved in an accident.
- Travel delay: covers the delay of the aircraft, ship or train on which the insured is booked to travel for at least twelve hours, due to strike or industrial action, adverse weather conditions or mechanical breakdown or structural defect. A fixed benefit is paid for each twelve hours’ delay. Alternatively, the insured can cancel the trip after twelve hours delay and cover is provided for the resultant charges made by the tour operator or carrier.
- Pet care: a benefit is provided for each 24 hours that a cat or dog receives in-patient veterinary treatment as a result of suffering an injury, whilst being cared for whilst the insured is on holiday.
- Hijack and mugging: provides cover where the insured is delayed in reaching their destination as a result of the transport they are travelling on being hijacked. The insurance Cover is also provided if the insured receives in patient treatment following mugging.
- Loss of passport: cover is provided for the additional travelling and accommodation costs to obtain a replacement passport following loss or theft. Cover also includes the cost of a temporary replacement passport.
- Legal expenses: covers the legal costs in pursuing claims for death or bodily injury to the insured person whilst on holiday, caused by the fault of a third party. A legal helpline is also provided.
- Business travel: cover is extended to include travelling on business for clerical and administrative tasks only. Liability arising from business trips is not covered.
- Winter sports; covers the winter sport activities listed in the policy booklet. Cover usually extends to include loss of or damage to winter sports equipment, delays to the insured’s arrival or departure from the resort caused by an avalanche, piste closures and accidental injury or illness during the trip, with inner limits applying to each element of cover.
- Catastrophe or disaster cover: provides cover if the insured cannot stay in their pre-booked and pre-paid accommodation because of a ‘disaster’, such as fire, earthquake, tidal wave, avalanche, hurricane, medical epidemic, etc. Cover includes the necessary extra travel and accommodation expenses to allow the insured to continue with their trip or to return to Kenya if they cannot continue with their trip.
Each section of cover is subject to a limit of liability/sum insured and sometimes an excess.
