Please note that the information on this page is for policies sold on or after 18th October 2023, if you purchased your policy prior to this please click here for more information.
Cancelling due to COVID-19
Your policy will cover you subject to the terms and conditions, if you need to cancel your trip because:
You or a close relative are diagnosed with or have contracted COVID-19
You are required to self-isolate, subject to a positive test result/confirmation from a GP
Someone you were due to travel with or stay with on your trip needs to self-isolate.
Your policy will not cover you to cancel your trip if:
You don’t want to quarantine or self-isolate when you return to your home area
You are unable to travel because the government/or another regulatory authority have imposed restrictions, including national lockdown or regional lockdown
Any costs for your Package holiday if it was cancelled by your travel provider or you were unable to travel due to a change in FCDO travel advice
You aren’t able to produce the required vaccine certificates, medical tests/documents.
Cutting your trip short
The Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority in a country in which you are travelling in advise you to evacuate or return to your home area
You have been denied boarding at your UK departure point because you have COVID-19 symptoms
If you need to come home early because a close relative has COVID-19.
Your policy will not cover:
You wishing to return home early to avoid the need to quarantine.
Emergency medical cover for COVID-19
If you develop COVID-19 whilst abroad your policy will cover you subject to the terms and conditions for:
Emergency medical treatment, repatriation and other expenses
Additional transport and accommodation if you are unable to return home as planned.
Your policy will not cover:
If you are travelling against Foreign, Commonwealth & Development (FCDO) advice.
Providing you aren’t travelling against the advice of Foreign, Commonwealth & Development Office (FCDO) or another regulatory authority then you are covered subject to the terms and conditions, if you need to cut your trip short because:
Where can I travel?
You can travel to any destination listed on your certificate of insurance, however, if you travel to a country where the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advise against travel there will be no cover under this policy. You can view the current advice by clicking here.
Can I go on a cruise?
We cover cruises as standard and also offer an optional Cruise Cover that adds specialist cover including cover for Missed ports, cabin confinement, unused excursions and more. Click here to read more and download a confirmation of cover if required by your cruise line.