Our Travel Insurance Policies


Our Travel Insurance Policies

At Puffin, we offer a range of Single Trip and Annual (Multi Trip) policies for individuals, couples, families and groups aged up to 84 including policies for customers that have pre-existing medical conditions. We cover countries throughout the world and have three cover levels to choose from (Silver, Gold and Platinum) and numerous options that can be added to your policy. Below you will find:

  • A summary of the cover (also known as "benefits") offered by our policies
  • Information about the optional cover we offer
  • Information about the activities covered
  • Information about the countries covered
  • Links to our policy documents

If you're not familiar with travel insurance policies, then you may find it useful to read our Travel Insurance Guide before reading the rest of this page. Also, if you're not familiar with the "benefits" we list in the table below, then you may find our Benefits Guide useful.

Who we cover

We provide cover for individuals, couples, families and groups of travellers. Our Single Trip policies cover adult travellers aged 18 - 84 and our Annual policies cover adult travellers age 18 - 80.

Summary of Cover

  Silver Gold Platinum
Max days per trip (annual policies) 32 32 45
Excess (per incident/max 2) £99 £75 £50
Medical Expenses £10M £10M £10M
Cancellation £1500 £3000 £5000
Baggage (inner limits apply) £1500 £2000 £2500
Gadget Cover £1000 £1000 £1000
Personal Money £400 £400 £400
Important Documents (eg passport) £400 £400 £400
Emergency Dental Services £500 £500 £500
Hospital Daily Benefit (Max) £50(£600) £50(£800) £50(£800)
Personal Liability £2M £2M £2M
Legal Protection £15,000 £20,000 £20,000
Personal Accident (age 16-64) £5,000 £5,000 £5,000
Curtailment £1500 £3000 £5000
Travel Delay per 12hr (Max) £50(£100) £50(£200) £50(£200)
Missed Departure £525 £750 £750
Travel Disruption £1500 £3000 £5000

Sample Policy Documents: Puffin Policy Wording.pdf

Sample Insurance Product Information Document: IPID.pdf

These are sample policy documents, the policy wording and IPID which applies to you will be available to view when you get your quote and will be emailed to you when you buy.

Our policy wording changed on 17th August 2023. For a summary of changes made see here.

Optional Cover

In addition to the above, we offer optional cover for: Winter Sports, Extended Gadget, Cruise and additional activity packs. 

To keep our prices low, we don't bloat your policy with cover that most people don't need. However, we do offer a range of options for those that do need specific types of cover including Winter Sports Cover (Ski and Snowboard) and Extended Gadget Cover. For more information, see our Optional Cover page.


Our basic policy covers you for over 100 common holiday activities including body boarding, surfing and water skiing, but if you fancy doing something a bit more adventurous whilst on holiday then we have a range of activity packs that you can add on to your policy to ensure you have the right cover. For full information see our Activities page.


To find out about which countries we cover, please see our Country List.