Travel guide

You can claim for cancellation of a trip if the Foreign & Commonwealth Office (FCO) advise against all travel to your intended destination, as long as the advice wasn't in place when you booked the trip or purchased your insurance.

You can claim for cancellation of a trip if the FCO advise against all but essential travel to your intended destination, as long as you are travelling within 28 days and the advice wasn't in place when you booked the trip or purchased your insurance.

You can see what date the FCO advice came into force by visiting the UK Government website

Where the FCO advice is not in place there is no cover under your travel insurance and you should continue to monitor FCO advice and speak to your travel provider.

You should speak to your GP for advice on if it is safe to travel in the first instance. Where your GP confirms due to your pre-existing medical condition that you have declared and had accepted on your travel insurance means you should not travel then we can consider a claim for cancellation.

We are unable to provide any advice on cover until you have seen your doctor.

You can claim to return home early from your trip if the Foreign & Commonwealth Office (FCO) advise against all or all but essential travel for your destination whilst you are on your trip.

Where the FCO advice is not in place there is no cover under your travel insurance and you should continue to monitor FCO advice and speak to your travel provider.

If you are on a trip and your accommodation is locked down and you cannot return home as planned, your policy will provide you with cover for additional accommodation and transport. There is no cover for food.

As long as you are not travelling to an area where the Foreign & Commonwealth Office (FCO) have advised against all travel then you will be covered for medical expenses.

If the FCO advice changes whilst you are on your trip, you will still be covered if you need to claim for medical expenses.

If you’ve been advised by the government not to travel, but your holiday or flight hasn’t been cancelled, please get in touch with your travel provider or your travel insurance company directly as we’re currently unable to raise a retailer dispute claim in these situations