Policy Benefits

Columbus Direct has covered 15 million customers worldwide and has a reputation for quality travel insurance. We are very proud of the cover we can offer to our customers. This is only a summary of our benefits. You can view the complete terms and conditions of the insurance here.

Medical / Repatriation Cover:

14 million €

Whether its injury or illness, our policies cover you for both emergency in-patient and out-patient treatment, which includes non-routine prescription charges, consultations, physiotherapy and even emergency dental treatment. If it becomes medically necessary to repatriate you back to your home country, then this is covered too.

Excess: 150 €

Cancellation & Curtailment:

7.500 €

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.

Excess: 75 €

Baggage & Delayed baggage:

3.750 €

We cover the loss and theft of and damage to your baggage & personal belongings.

We cover the cost of replacing your personal documents.

Excess: 75 €

Delayed Baggage - up to 300 €

We 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.

Personal Accident:

37.500 €

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:

3 million €

We cover accidental damage to third parties (person or property) inflicted by the insured while travelling.

Excess: 250 €

Legal Expenses:

37.500 €

If you suffer personal injury, we cover the cost for juridical advice / procedure.

Travel delay compensation

300 €

We’ll offer compensation if your outward or homeward journey is delayed for more than 6 hours.

Missed Departure:

1.200 €

This benefit covers you for necessary hotel and travelling expenses (not including food, drink and telephone expenses) incurred in reaching your booked destination if you arrive too late to commence your booked trip from your or to your country of residence, as a result of being delayed.


750 €

If you are forced to move away from your accommodation as a result of a catastrophe, we'll offer you financial compensation.


4.500 €

If your means of transport gets hijacked, we'll offer you financial compensation.

Terrorism Cover:


In the event of terrorist activity the following cover applies provided you are not actively engaged in the events and have not travelled or do not remain contrary to Foreign & Commonwealth office advice or advice issued by the Foreign Office (or equivalent) of your Country of Residence:

  • Medical and Other Expenses (up to 1% of the Medical Expenses limit)
  • Hospital Cash Allowance
  • Hijack