Travelling Against Travel Advice/Restrictions

Can I travel against Foreign, Commonwealth & Development Office (FCDO) travel advice?

The cover under our policies may be reduced where the Foreign, Commonwealth & Development Office (FCDO) advises against either 'all' or 'all but essential' travel. You can view the current advice by clicking here.

FCDO advises against 'all travel'

No Cover

FCDO advises against 'all but essential travel'

If your travel is 'essential': Full Cover

If your travel is not 'essential': Cover excluding any claim arising either directly or indirectly from the reason the FCDO advice against travel is in place. For example if your destination states 'The FCDO advises against all but essential travel to … based on the current assessment of COVID-19 risks.' then your policy would provide full cover for any otherwise valid claim other than a claim caused either directly (for example, you contracting COVID-19) or indirectly (for example, your accommodation becoming unavailable due to COVID-19) by COVID-19.

What is 'essential' travel?

To understand what is considered essential travel (and some examples of what is not) please click here.

Please Note: If you are travelling to multiple destinations under your policy you must check the FCDO advice before each leg of your trip. If you are travelling for non-essential travel and move from a country without advice in place to a country for which 'all but essential' travel advice is in place your cover will be reduced as outlined above for that portion of your trip.