Some trips might need more than standard travel insurance. For example, you might be going on a cruise, taking part in winter sports, travelling with valuable gadgets, or planning an extended holiday. Our additional cover options allow you to add protection for these situations, alongside your existing policy.

This guide explains the additional cover options available with Avanti travel insurance, what they cover, and when they may apply. For full details, including terms, conditions and exclusions, always check our policy documents.

Cruise Cover What is cruise travel insurance? What am I covered for?

Cruises are a great way to see the world, but they can also introduce additional risks that don’t apply to other types of holidays. That’s why it’s important to take out specific cruise travel insurance.

As well as cover for cancellation, emergency medical expenses and baggage, cruise travel insurance can also cover your trip for:

• missed port departure
• cabin confinement
• changes to your cruise itinerary
• cruise interruption
• emergency evening wear

We offer two levels of cover for your cruise. For the ins and outs of cover, see our policy documents.

What counts as a cruise for travel insurance?

A cruise refers to a journey taken on a vessel, either on the ocean or on a river. A ferry crossing does not qualify as a cruise.

Is considered a cruise:

• Gulet boat (staying onboard overnight)
• Ocean cruise
• River cruise

Is not considered a cruise:

• Canal boat trip
• Day boat trip within territorial waters
• Gulet boat (day trip)
• Motor launch or cruiser staying on a lake
• Motor launch or cruiser within territorial waters
• Yacht staying moored in a bay within territorial waters
• Yacht staying on a lake
• Yachting within territorial waters
• Yacht staying in a marina

Not covered within our insurance:

• Cargo ship transport
• Day boat trips outside territorial waters
• Motor launch or cruiser outside territorial waters
• Yachting outside territorial waters
• Yacht staying moored in a bay outside territorial waters

What are ’territorial waters’? 

Territorial waters are a belt of coastal waters extending up to 12 nautical miles (22 km / 14 miles) from the edge of a coastal state.

What’s covered by cruise travel insurance?

As well as standard cover, cruise travel insurance can include:

Cabin confinement

Cover applies if you’re told by the cruise medical officer to remain confined to your cabin. You can claim up to £50 every 24 hours, up to a maximum of £500, if you’re confined for more than 48 hours.

Itinerary change

Cover applies for each port missed due to adverse weather or timetable changes, up to £100 per port.

Unused excursions

Cover applies to pre-paid excursions missed due to cabin confinement, illness or injury.

• Classic policies: up to £300
• Deluxe policies: up to £500

Cruise interruption

Cover applies if you become ill and need to leave the cruise ship for medical treatment. This can cover up to £1,000 for extra accommodation and travel so you can rejoin the cruise at the next available port.

Emergency evening wear

Cover applies if your evening wear is damaged, stolen or lost. Up to £100 is available for cleaning or hire of replacement items.

For more information about what’s covered read our policy documents.

Can I get cruise travel insurance if I have a pre-existing health condition?

Yes, you can get cruise travel insurance with pre-existing health conditions. You just need to make sure to declare and cover your health conditions when you take out a policy with us.

How long can I get cruise travel insurance for?

Single trip policies:

• Single trip policies can last up to 104 days.

Annual policies: 

• Those aged 0-70 can travel for up to 50 days per trip (can be increased to 90 days with an additional premium), with a maximum of 183 on holiday each year.
• Those aged 71+ can travel 35 days per trip, with a maximum of 183 days on holiday each year.

Long-stay policies: 

• Those aged 0-65 can travel for up to 550 days.
• Those aged 66-70 can travel for up to 366 days.
• Those aged 71-75 can travel for up to 366 days.

The length of long-stay policies can differ depending on where you’re travelling to.

Where can I travel with cruise travel insurance?

You can take out Cruise Travel Insurance for travel to any country in the world, as long as the Foreign, Commonwealth and Development Office (FCDO) or the World Health Organization (WHO) hasn’t advised against travel.

Annual policies cover specific regions:

• UK only: United Kingdom (England, Scotland, Wales, Northern Ireland), Channel Islands, and Isle of Man.
• Europe (excluding): Cyprus, Greece, Malta, Spain (including the Balearic Islands and the Canary Islands), Turkey, Egypt, Morocco, and Tunisia.
• Europe (including): Cyprus, Greece, Malta, Spain (including the Balearic Islands and the Canary Islands), Turkey, Egypt, Morocco, and Tunisia.
• Worldwide (excluding): United States of America, Canada, the Caribbean, Bermuda, Mexico, Thailand, China, and Hong Kong.
• Worldwide: all countries.

The region you choose when taking out travel insurance may affect the cost of your policy.

When should I buy cruise travel insurance?

We recommend taking out travel insurance as soon as you book your holiday, where possible:

• Single trip policies can be bought up to 24 months in advance, depending on age and medical conditions.
• Annual multi-trip policies can be bought 90 days in advance.

If you have an annual policy with cruise cover, cancellation cover can apply to trips outside the policy year. Cancellation cover remains in place until the policy ends.

Excess Waiver What is excess and excess waiver?

An excess is the amount you pay towards a claim before your insurer pays the rest. Details of excesses are shown in the table of benefits in our policy douments.

Each level of cover could have a payable excess:

• Essentials: £150
• Classic: £75
• Deluxe: no excess

You can also choose to add an excess waiver for an additional fee. If you do, you won’t need to pay an excess if you make a claim.

The excess waiver is available on Essentials and Classic policies, including both cruise and non-cruise cover.

Gadget cover What does gadget cover include?

We will pay you up to the amount shown on the table of benefits for the value of, or repair to, any of your gadget(s) (not hired, loaned or entrusted to you), that are lost, stolen, damaged or destroyed.

Cover is provided based on the amount you paid for the gadget(s) or the current recommended retail price, whichever is lower. This excludes credit charges, interest charges and insurance costs, and allows for wear, tear and depreciation.

At our discretion, we may replace the gadget(s) with a refurbished item from one of our dedicated suppliers.

What does Avanti classify as a gadget? 

• Mobile/smartphones
• Satellite navigation systems (GPS)
• Personal digital assistants (PDAs)
• Computers
• Laptops
• Tablet computers
• Games consoles (including handheld consoles) and all accessories for these items

Please see our policy wording for full terms and conditions and special conditions relating to claims.

Winter Sports What activities does Avanti cover for winter sports?

Any of the following are accepted as winter sports:

• Big foot skiing
• Glacier skiing
• Guided cross-country skiing (nordic Skiing)
• Ice-skating (outdoor)
• Langlauf
• Mono-skiing (on-piste)
• Skiing or snowboarding (off-piste but within the confines of the ski resort on recognised and authorised areas only)
• Skiing or snowboarding (on-piste)
• Ski touring
• Sledging
• Snowshoeing
• Snow cat skiing and tobogganing

You won’t be covered for any claims arising directly or indirectly when engaging in the  following activities:

• Bobsleigh
• Free-style skiing
• Ice hockey
• Ice sailing/ice windsurfing
• Luge
• Off-piste skiing or snowboarding outside recognised and authorised areas
• Para-skiing
• Skeleton
• Ski jumping
• Ski racing
• Slopestyle skiing
• Ski stunting
• Skidoo or snowmobiling

Please see our policy wording for full terms and conditions.

When are you covered for winter sports?

Winter sports cover is included as standard on Classic and Deluxe annual multi trip policies:

• Single trip policies: cover applies for the selected dates.
• Annual policies: winter sports trips must total no more than 17 days per year.

Winter sports search and rescue

We’ll pay up to £10,000 for costs charged to you by a government body, regulated authority or private organisation connected with finding and rescuing you. This applies following an injury while skiing or snowboarding, or where weather or safety conditions mean local authorities or a professional guide need to start a search and rescue operation.

Please note: this doesn’t include the costs of medical evacuation (by the most appropriate transport) for a medical emergency, which is covered separately under Section 3a. Please take a moment to review our policy documents to familiarise yourself with the applicable terms and conditions.

Golf Cover Hole-in-one cover What does hole-in-one cover cover?

We will pay you £75 if you score a hole-in-one (gross) during your trip.

Special conditions relating to claims

• You must be a member of a recognised golf club affiliated to a national golfing union and hold an official national golfing union handicap.
• You must have your scorecard signed by your playing partner(s) who must be members of a national golfing union and countersigned by the secretary/manager of the club at which the hole-in-one has been scored.
• The golf course at which the hole-in-one is scored must be affiliated to the golfing union of the country in which it is located.

What doesn’t hole-in-one cover cover?

• If the golf course is of fewer than 18 holes or if the hole at which the hole-in-one is scored is shorter than 90 metres (98 yards).
• If temporary greens and/or tee boxes are in use.
• Anything mentioned in the General Exclusions.

Please see our policy documents  for full terms and conditions.

Non-refundable golfing fees What’s covered?

We will pay £75 per complete 24 hours up to £150 for the proportionate value of any nonrefundable, pre-paid green fees, or tuition fees unused due to the following:

• You being unable to play golf due to your accidental injury, or illness, or adverse weather conditions causing the closure of the golf course; or
• Loss or theft of your documentation which prevents your participation in the pre-paid golfing activity.

Special conditions relating to claims

You must report any loss or theft to the local police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain a written report of the loss, theft or attempted theft of golfing documentation. A holiday representative’s report is not sufficient.

What isn’t covered?

• Any claims arising directly or indirectly as a result of any pre-existing medical conditions unless you have declared all pre-existing medical conditions to us and we have written to you accepting them for insurance.
• Claims arising directly from a medical condition which is not substantiated by a report from the treating doctor confirming your inability to play golf.
• Anything mentioned in the general exclusions.

Please see our policy documents for full terms and conditions.

Golf equipment hire What’s covered?

We will pay you the sum of £30 per complete 24 hours, up to a maximum of £300, for the hire of replacement golf equipment if your own golf equipment is lost, stolen or damaged, or is certified by the carrier to have been lost or misplaced on the outward journey of a trip for a period in excess of 12 hours.

Please see our policy documents  for full terms and conditions.

What does Avanti class as golf equipment?

We class the following items as golf equipment:

• Golf clubs
• Golf bag
• Golf shoes
• Non-motorised golf trolleys

What cover do we offer for golf equipment? What’s covered?

We’ll pay up to £1,000 for accidental loss, theft of, or damage to golf equipment which you own.  Within this amount the following sub-limits apply:

• We will pay up to £500 for any one club or one piece of golf equipment, if you cannot provide an original receipt or other satisfactory proof of ownership and value to support the claim, payment for any single article, or for any one pair or set of articles, will be limited to a maximum of £50, evidence of replacement value is not sufficient.
• We will pay up to £500 in total, for all articles lost, damaged or stolen in any one insured incident. If you cannot provide satisfactory proof of ownership and value.
• The amount payable will be the value at today’s prices less a deduction for wear and tear and depreciation, (calculated from the following table), or we may at our option replace, re-instate or repair the lost or damaged golf equipment.

Age of item and amount payable 

Up to 1 year old	90% of purchase price
Up to 2 years old	70% of purchase price
Up to 3 years old	50% of purchase price
Up to 4 years old	30% of purchase price
Up to 5 years old	20% of purchase price
Over 5 years old	Nil

90-day extension What is the 90-day Extension?

This policy allows individuals aged 70 or under to extend the annual 50-day trip duration limit to 90 days for one trip within the annual cover.  If you are aged over 70 it’s not possible to add this.

To include this optional add-on, please access your My Avanti account by signing in. Once logged in, navigate to ”My Current Policies” and select ”Amend my Policy”.

Follow the on-screen instructions until you reach the “Extra Cover” tab, where you’ll find additional cover options and their corresponding prices.

Please see our policy documents  for full terms and conditions.