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 download the complete terms and conditions of the insurance here.
Our Single Trip, Annual and Backpacker (Long Stay) policies are available with different levels of cover: For basic medical protection for trips to Europe, we offer a Schengen policy. If you are looking for a more comprehensive benefits package, take a look at our Standard and Premier policies. Ski, Golf and Business Cover can be added as an option to our Standard and Premier policies.
24 hour Assistance Service
Should you require emergency medical treatment or repatriation, our policies provide you with access to 24hr multilingual emergency assistance.
- Repatriation
- Medical Evacuation
- Emergency Transport
- Search and Rescue Cost
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).
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.
- Trip Abandonment
If you have to abandon your trip due to an accident or mechanical breakdown en route to your departure point, we’ll cover the cost of your holiday.
The excess on Cancellation & Curtailment is US$75 (US$0 with Zero Excess Option).
Missed Departure
If you fail to reach your international departure point on time due to failure of public transport services or due to a mechanical breakdown of the vehicle in which you are travelling to your international departure point, we'll pay for the expenses that you need to make to reach your destination.
Travel Delay
We will offer you financial compensation if your trip is delayed more than 12 hours
Baggage
We cover the loss and theft of and damage to your baggage & personal belongings. We also provide you with an allowance to purchase essential replacement items in the event that your checked-in baggage is delayed for a certain period of time.
- Single Article Limit: US$ 450
- Valuables Limit: US$ 450
- Delayed Baggage: US$ 300 – US$ 500
The excess on Baggage Cover is US$75 (US$0 with Zero Excess Option).
Cash & Documents
We cover the cost of replacing your personal documents
- Documents Limit: US$ 200 &ndash US$ 525
We cover the loss and theft of your money
- Cash Limit: US$ 200 &ndash US$ 525
The excess on Baggage Cover is US$75 (US$0 with Zero Excess Option).
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.
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$0 with Zero Excess Option).
Legal Expenses
If you suffer personal injury, we cover the cost for a juridical procedure / legal advice
Catastrophe
If you are forced to move away from your accommodation as a result of a catastrophe, we'll offer you financial compensation.
Hijack
If your means of transport gets hijacked, we’ll offer you financial compensation
Terrorism Cover
If you need medical treatment or have an accident as a result of a terrorist attack, the Medical and Personal Accident cover will apply provided these benefits are part of your policy. (Please note: there is no Personal Accident cover under the Schengen policy.)
Car Hire Excess Insurance (Collision Damage Waiver)
We will pay for motor insurance EXCESS that you are required to pay in the event of damage to a vehicle under a rental hire car contract.
Business Cover
We cover the loss and theft of and damage to your business equipment and business documents. If you have to cancel / curtail your business trip due to certain reasons, we will pay for the travel expenses of a colleague to replace you at your destination.
- Business equipment: US$ 2,500 (single article limit: US$ 300)
- Business documents: US$ 300
- Replacement colleague travel expenses: US$ 5,000
The excess on Business Cover is US$75 (US$0 with Zero Excess Option).
Ski Cover
Our Ski cover extension protects you and your equipment on your winter sports holidays.
The following winter sports are covered:
Skiing on and off piste (off piste means skiing away from the piste within the resort boundaries with a qualified guide) other than against local authorities' warning or advice, cross country (Nordic) Skiing, Mono Skiing, Ski bobbing, Skidooing, Snow mobiling, blading and snowboarding, curling, tobogganing, outdoor ice skating.
- Winter Sports Equipment - Owned: US$ 500
- Winter Sports Equipment - Hired: US$ 400
- Ski Pack: US$ 400
- Piste Closure: US$ 400
The excess on Ski Cover is US$75 (US$0 with Zero Excess Option).
Adventure Sports Cover
We cover many sports and activities as standard*:
Badminton, Basketball, Beach Volleyball, Boccer, Boxing Training (No Contact), Canoeing (to rapids grade 3), Cycling (not touring), Dinghy Sailing (inside 20km limit), Elephant Riding (1-2 days), Golf, Hiking, Horse Riding involving the use of protective head gear (but excluding Eventing, Show jumping or taking part in any equestrian competition), Kayaking (to rapids grade 3), Kite Surfing, Marathon Running, Martial Arts training (no contact), Mopeds, Motorcycling on Vehicles under 125CC, Mountain Biking, Overland Expeditions, Rafting (to rapids grade 3), Riversledging, Running, Safari, Sailing inshore (inside 20KM limit), Sea Canoeing, Snorkelling, Squash, Surfing, Table Tennis, Tennis, Trekking (not requiring the use of ropes, guides or oxygen), Water Skiing, Weightlifting.
The following sports and activities are covered with the Adventure Pack cover extension:*
Abseiling, American Football, Ballooning, Bungee Jumping (maximum 2 jumps), Cricket, Deep Sea fishing (inside 20km limit), Fencing, Hanggliding , Flights in a licensed passenger carrying light aircraft or licensed passenger carrying helicopter, Football, Gliding, Gymnastics, Hockey, Jet Boating, Kayaking/Canoeing/Rafting involving white water rapids grades 4 and 5, Parascending, La Cross, Polo, Rugby, Scuba Diving (with a qualified diving instructor to a maximum depth of 30 metres), Windsurfing.
* Personal Liablility cover exclusions apply for ownership, possession or use of vehicles, aircraft, watercraft, parachuting, paragliding, hangliding, hot air ballooning or use of firearms.
Golf Cover
We cover the loss and theft of and damage to your business equipment and business documents. If you have to cancel / curtail your business trip due to certain reasons, we will pay for the travel expenses of a colleague to replace you at your destination.
- Golf equipment: US$ 3,000 (single article limit: US$ 300)
- Green fees cancellation insurance: US$ 500
The excess on Golf Cover is US$75 (US$0 with Zero Excess Option).
Premiums
| Rates for Travel in Your Local Area (India, Bahrain, Kuwait, Qatar, Saudi Arabia, UAE and Oman.) |
Standard | Premier | |
| Individual | Long Weekend (up to 5 days) | US$ 14 | US$ 18 |
| 1 Week (up to 8 days) | US$ 22 | US$ 27 | |
| 2,5 Weeks (up to 17 days) | US$ 32 | US$ 39.61 | |
| Couple | Long Weekend (up to 5 days) | US$ 24.50 | US$ 31.51 |
| 1 Week (up to 8 days) | US$ 38.50 | US$ 47.24 | |
| 2,5 Weeks (up to 17 days) | US$ 46 | US$ 69.31 | |
| Family | Long Weekend (up to 5 days) | US$ 35 | US$ 40.51 |
| 1 Week (up to 8 days) | US$ 55 | US$ 60.77 | |
| 2,5 Weeks (up to 17 days) | US$ 80 | US$ 89.11 | |
| Rates for Worldwide Travel excluding the USA and Canada as well as any country, specific area or event which the British Foreign and Commonwealth Office (www.fco.gov.uk) or the World Health Organisation (www.who.int) has advised against all travel or all but essential travel |
Standard |
Premier |
|
| Individual | 1 Week (up to 8 days) | US$ 32.40 | US$ 40.50 |
| 2,5 Weeks (up to 17 days) | US$ 42.30 | US$ 51.85 | |
| 1 Month (up to 31 days) | US$ 52.20 | US$ 64.81 | |
| Couple | 1 Week (up to 8 days) | US$ 56.70 | US$ 70.88 |
| 2,5 Weeks (up to 17 days) | US$ 74.03 | US$ 90.74 | |
| 1 Month (up to 31 days) | US$ 91.35 | US$ 113.42 | |
| Family | 1 Week (up to 8 days) | US$ 81 | US$ 101.25 |
| 2,5 Weeks (up to 17 days) | US$ 105.75 | US$ 129.62 | |
| 1 Month (up to 31 days) | US$ 130.50 | US$ 162.02 | |
| Rates for Worldwide Travel excluding any country, specific area or event which the British Foreign and Commonwealth Office (www.fco.gov.uk) or the World Health Organisation (www.who.int) has advised against all travel or all but essential travel |
Standard |
Premier |
|
| Individual | 1 Week (up to 8 days) | US$ 36 | US$ 45.00 |
| 2,5 Weeks (up to 17 days) | US$ 47 | US$ 57.61 | |
| 1 Month (up to 31 days) | US$ 58 | US$ 72.01 | |
| Couple | 1 Week (up to 8 days) | US$ 63 | US$ 78.78 |
| 2,5 Weeks (up to 17 days) | US$ 82.25 | US$ 100.82 | |
| 1 Month (up to 31 days) | US$ 101.50 | US$ 126.02 | |
| Family | 1 Week (up to 8 days) | US$ 90 | US$ 101.26 |
| 2,5 Weeks (up to 17 days) | US$ 117.50 | US$ 129.62 | |
| 1 Month (up to 31 days) | US$ 145 | US$ 162.04 | |
