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Travel Insurance and Trip Cancellation

For when you have to cancel your trip unexpectedly

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For information relating to policies purchased prior to 17 June 2021, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 17 June 2021 please see below.

Cancellation insurance is there for when life throws you a curve ball, making sure you’re not out of pocket if you’ve had to put your journey on hold.

From jury duty to an unexpected illness or redundancy, there are many reasons why you may have to stay at home instead of taking a cooking class in Chiang Mai… even if that’s the last place you want to be.

What’s covered by travel insurance for cancellation?

As long as you haven’t left home, we may cover you if you have to cancel your trip under certain circumstances like:

You or your close relative or a member of your travelling party is injured, gets a serious illness or dies.
You are unexpectedly called to do jury service or appear in court as a witness (but not as an expert witness.)
You’re made redundant.
Your home or business becomes uninhabitable within two weeks of your travel start date.
There’s been a theft from your home within two weeks of your travel start date and the police want to speak to you about it.

In addition, travellers with the Explorer Plan may be covered if the Foreign, Commonwealth and Development Office (FCDO) or similar body in the circumstances issues a travel warning advising against ’all travel’ or ‘all but essential travel’ to a specific region or country and that warning was first given after you purchased your policy and after you booked the trip.

Am I covered for Cancellation due to Coronavirus?

While epidemics and pandemics are excluded from the Cancellation, Curtailment & Trip Resumption sections as well as the Trip Interruption sections of our policy, there may be some benefits available to you if you've purchased our Explorer Plan, which includes a Coronavirus Travel Costs section.

If you have purchased the Explorer Plan, you may have some cover for trip cancellation or curtailment events that are outside of your control and caused by:

You or a member of your travelling party being diagnosed with the Coronavirus;
Your close relative in the United Kingdom being hospitalised or dying due to the Coronavirus;
You or a member of your travelling party who are permanently employed as a healthcare worker, residential care worker or law enforcement officer having pre-approved leave cancelled due to Coronavirus.

You can check out our What’s covered for Coronavirus article which has all of the details, including benefit limits and exclusions

What’s not covered by travel insurance for cancellation?

There are a number of things you’re not covered for if you cancel or curtail your trip. These include but are not limited to:

Pre-existing medical conditions as outlined in your Policy Wording
The policy excess
Additional costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip
Costs recoverable from elsewhere
Costs incurred by travelling party members who are not on the Certificate of Insurance.

The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered, get in touch.

Be prepared if you need to claim for cancellation or curtailment.

Depending on your claim, you'll need copies of:

Receipts
Itineraries
Doctors' reports/death certificates
Medical history
Written documentation from the travel provider of reason for cancellation and any refunds

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses and repatriation home

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan:
£10,000,000

Repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan:
£5,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion or a close relative in the UK have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.