Benefits Table

It is important that you understand that Aviva Travel Insurance PMI Plus are different from our other travel insurance products.

You may only buy Aviva Travel Insurance PMI Plus if you have Private Medical Insurance covering Emergency Medical.

Aviva Travel Insurance PMI Plus is suitable for individuals, couples and families.

There are separate tables of benefit to clearly present the benefits of these covers:

Aviva Backpacker Travel Insurance

The following table shows a comparative summary of the main benefits provided.

Important Notes

Cover is only available to Irish residents who are aged 45 or under on the day that they purchase cover.
Premiums include a 5% Government levy and a €1 euro stamp duty.
For each person insured an excess of €100 per section is deducted from each claim under sections marked with an asterisk *.
The information below is a summary of cover. Full cover details are ONLY provided in the Policy Wording.

Key Benefit	Key Exclusion	Maximum Payable	Excess
Medical Expenses*	Pre-existing conditions or travelling against the advice of a doctor	€2,000,000	€100
Cancellation & Curtailment*	a) Any medical condition for which you or a member of your immediate family have received treatment or advice form a doctor in the 12 months prior to applying for a policy b)If you are aware of any reason at the time of booking the holiday or purchasing travel insurance that the holiday may be cancelled	€2,000	€100
Personal Property*	a)Max limit of any one item is €250 b)Items that are left unattended (eg. on the beach whilst swimming)	€1,000	€100
Personal Accident	if death, loss or disability is Due To disease or any physical defect, injury or illness which existed before the Holiday	€15,000	Nil
Overseas Legal Expenses	Any criminal or wilful act	€15,000	Nil
Travel Delay	a) If the person insured has not allowed sufficient time for the journey b) If a missed departure caused by strike or industrial action could have been reasonably expected when the journey was booked.	€100	Nil
Hospital Benefit	Institution must be recognised as a hospital in the country of treatment	€200	Nil
Money	If the loss of theft of money is not reported to the Policy within 24 hours of discovery	€200	€100
Loss of Passport/ Driving Licence	If the loss of theft of passport and/or driving licence is not reported to the Policy within 24 hours of discovery. If the passport and/or driving licence is stolen from an unattended vehicle unless it was in a locked boot and there is evidence of forced entry	€200	Nil
Hijack	If you are in a country at war	€500	Nil
Personal Liability	Any person under your contract of service or member of your family	€2,000,000	Nil
Mugging	If the mugger or attacker is known to you	€500	Nil
Search and Rescue	If you are in a country at war	€5,000	Nil
Catastrophe	Any disinclination to travel	€500	€100
Hazardous Activities	If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations	€1,000,000	€250
Extreme Activities	If you do not wear the recommended/recognised safety equipment and follow safety procedures, rules and regulations	€1,000,000	€500