World First Traveller Single & Annual Multi-Trip		World First Explorer Single-Trip
			Up to Limit of (£) per Insured Person Excess		Up to Limit of (£) per Insured Person Excess
	Cancellation (Deposit only)		£3,000 £40 * £15 (See table below)		£1,000 (pre-booked transportation only) £40 * £15 (See table below)
	Curtailment		£3,000 £40 * (See table below)		£1,000 (pre-booked transportation only) £40 * (See table below)
	Emergency Medical and Travel Expenses		£5,000,000 £40 * (See table below)		£5,000,000 £40 * (See table below)
	Hospital Confinement Benefit		£1,000 Nil		£200 Nil
	Personal Accident		Death £5,000 (Under 16 years of age £1,000) (65 years and over £1,500) Nil		Death £5,000 (Under 16 years of age £1,000) (65 years and over £1,500) Nil
	Permanent Total Disablement		Loss of Limb(s) and sight £25,000 Nil		Loss of Limb(s) and sight £10,000 Nil
	Optional Luggage and Personal Possessions Each item, pair or set Total for Valuable Money & Documents Cash		£1,500 £250 £250 £500 £250 £40 £40 £40 £40 £40		£1,250 £200 £200 £250 £150 £40 £40 £40 £40 £40
	Delayed Luggage		£100 Nil		£100 Nil
	Loss of Passport		£250 £40		£250 £40
	Personal Liability		£2,000,000 £200		£1,000,000 £200
	Missed Departure		£1,000 £40		£600 £40
	Travel Delay		£100 Nil		£150 Nil
	Legal Expenses		£25,000 £200		£10,000 £200

If you choose Winter Sports, and pay the appropriate premium, the following cover also applies for the period of insurance:

	Cover		Up to Limit of (£) per Insured Person		Excess
	Ski Equipment		£400		£40
	Hired Equipment		£300		£40
	Ski Equipment Hire		£300		£40
	Ski Pack		£400		£40
	Avalanche Closure		£400		Nil
	Piste Closure		£400		Nil

*Excesses applicable to the following sections:

			Cancellation & Curtailment Sections		Medical Sections
			British Isles including Channel Isles & N. Ireland Rest of World		All Areas
	Up to 65 years of age		£40.00 £40.00		£40.00
	66-69 years of age		£50.00 £100.00		£100.00
	70-79 years of age		£50.00 £100.00		£200.00

All trips must start and end from the British Isles (including the Isle of Man and Channel Islands), and the policy must cover the whole duration of the trip. Travel insurance cannot be purchased once travel has commenced. If you take an Annual Multi-Trip policy, a maximum duration (31 or 62 days) of any one trip applies.

This is a summary of cover only and does not show the full terms and conditions of the World First Travel Insurance Policies, which can be found in the Certificate of Insurance. Medical screening is required for all pre-existing medical conditions and anyone over the age of 65. For full cover details including our key Facts Policy Summary, Complaints procedure and Terms of Business Agreements please click on the link below for the policy you are interested in.

World First is arranged by Rothwell & Towler who are authorised and regulated by the Financial Services Authority.