A smaller limit inside a bigger one: for example a per-item limit inside the baggage limit, or a dental limit inside the medical limit. Claims stop at the sub-limit even if the bigger limit isn’t reached.
How it reads in a policy
What to check
- Per-item and valuables limits under baggage.
- Dental, physiotherapy or other limits under medical.
- Limits per day, for example for delay.
Read the policy wording before you buy: what’s covered, the limits, the excess and the exclusions.
Questions
What does sub-limit mean in travel insurance?
A smaller limit inside a bigger one: for example a per-item limit inside the baggage limit, or a dental limit inside the medical limit. Claims stop at the sub-limit even if the bigger limit isn’t reached.
Where do I find the sub-limit in my policy?
In the policy wording, usually in its definitions and the section it belongs to; your own numbers are in the schedule of cover.
Related words
The three insurers
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Updated 2026-10-24.