The amount we charge is the total amount of the premium and any relevant government charges. Several factors are considered in determining the amount payable. These include:

• Advance Purchase – the further in advance that you purchase the policy, the higher the premium may be
• Age – the older you are, the higher the premium is likely to be
• Duration – the longer you travel, the higher the premium is likely to be
• Destination – higher risk destinations will generally require higher premiums
• Excess – the higher the excess you choose, the lower the premium you will pay
• Optional Covers – you can choose additional cover, for example, a Cruise pack. The more covers that you choose, the higher the premium will be
• Variable Limits – you have flexibility to choose your required level of benefit on some covers. The higher the benefit that you choose, the higher the premium is likely to be