LSM Insurance Services
Description of Cover Silver(€ excess) Gold(no excess)
1 cancellation and curtailment €3,750(€75)(€30*) € 7,500
2 personal accident
max payable in the event of death
€ 22,500 (nil)
€ 7,500 (nil)
€45,000
€15,000
3a emergency medical expenses including emergency repatriation and additional expenses for relatives
including emergency dental treatment
€7,500,000 (€75)

€525
€15,000,000

€1,050
3b hospital stay benefit {amount per day} €750 {€15} (nil) €1500 {€30}
4 luggage - overall limit (€750 for under 18's)
maximum per item, pair or set
total limit for all valuables
emergency purchases
money
cash limit (€75 for under 18's)
€2250 (€75)
€225
€300
€150 (nil)
€750 (€75)
€225
€4500
€450
€600
€300
€1500
€450
5 loss of passport €375 €750
6 delayed departure
(€ after 12 hours delay/ € ea 12 hrs thereafter/maximum)
abandonment
€30, €15, €150

€3750 (€75)
€60, €30, €300

€7500
7 missed departure €1125 €2250
8 business personnel replacement -------- €3750
9 personal liability €1,500,000 (€150) €3,000,000
10 legal expenses €15,000 (€150) €30,000
11 winter sports equipment - overall limit
maximum per item, pair or set
maximum per item, pair or set hired
€600 (€75)
€375
€225
€1200
€750
€450
12 ski pack €300 (€75) €600
13 piste closure {amount per day} €150 {€15} (nil) €300 {€30}
14 catastrophe cover ------ €750
features
  max age at inception 64 69
  max period per trip 31 days 62 days
  overall maximum total period of all trips 183 days 183 days
  business travel included no yes
  trips within country of residence (UK/Europe only, with minimum 2 nights in pre-booked paid accommodation excluding sections 3a and 3b) not included included
  family members can travel separately no yes
  wintersports - up to a maximum of 10 days 21 days
  24 hour emergency service included included
  pre-travel advice line included included
* €30 excess for loss of deposit