Please Note: The information below provides a brief overview of an area of cover within our policies. All our policy benefits are subject to terms, conditions and exclusions. Please refer to the policy wording for full details which can be downloaded by clicking here

What is covered

We will pay you up to the amount shown in the schedule of benefits for your proportion only of any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay, together with your proportion only of any reasonable additional travel expenses incurred if

  1. cancellation of the trip is necessary and unavoidable or
  2. the trip is curtailed before completion

as a result of any of the following events:

  1. The death, bodily injury, illness, disease, or complications arising as a direct result of pregnancy of:
    1. you
    2. any person who you are travelling or have arranged to travel with
    3. any person who you have arranged to stay with
    4. your close relative
    5. your close business associate.
  2. You or any person who you are travelling or have arranged to travel with being quarantined, called as a witness at a Court of Law or for jury service attendance.
  3. Redundancy of you or any person who you are travelling or have arranged to travel with which qualifies for payment under current United Kingdom redundancy payment legislation, and at the time of booking the trip there was no reason to believe anyone would be made redundant.
  4. You or any person who you are travelling or have arranged to travel with, are a member of the Armed Forces, Territorial Army, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have your/their authorised leave cancelled or are called up for operational reasons, provided that the cancellation or curtailment could not reasonably have been expected at the time when you purchased this insurance or at the time of booking any trip.
  5. The Police or other authorities requesting you to stay at or return to yourhome due to serious damage to yourhome caused by fire, aircraft, explosion, storm, flood, subsidence, fallen trees, collision by road vehicles, malicious people or theft.

If the same costs, charges or expenses are also covered under Section T – Travel disruption cover, or Section U – Golf cover you can only claim for these under one section for the same event.

Special conditions relating to claims

  1. You must get the prior approval of the Emergency Medical Assistance Service to confirm the necessity to return home, prior to curtailment of the trip due to death, bodily injury, illness, disease or complications arising as a direct result of pregnancy.
  2. If you fail to notify the travel agent, tour operator or provider of transport or accommodation as soon as you find out it is necessary to cancel the trip, the amount we will pay will be limited to the cancellation charges that would have otherwise applied.
  3. If you cancel the trip due to:
    1. stress, anxiety, depression or any other mental or nervous disorder that you are suffering from you must provide (at your own expense) a medical certificate from either a registered mental health professional if you are under the care of a Community Mental Health Team or if not, a consultant specialising in the relevant field or
    2. any other bodily injury, illness, disease or complications arising as a direct result of pregnancy, you must provide (at your own expense) a medical certificate from a medical practitioner stating that this necessar-ily and reasonably prevented you from travelling. We need the medical certificate completed as soon as you find out it is necessary to cancel the trip, as any delay in seeing a medical practitioner could mean that your symptoms are no longer present. If you cannot get an immediate appointment, please make one for as early as possible and keep all details of this to help substantiate your claim.

What is not covered

  1. The excess as shown in the schedule of benefits for each and every claim, per incident claimed for, under this section by each insured person unless the excess waiver has been purchased as detailed in your policy schedule.
  2. We will only consider the unused pre-paid expenses of a person who is insured under this policy. For example, if you are travelling with someone who is not insured under this policy we will only pay your proportion of the costs not theirs, regardless who has paid for the booking.
  3. The cost of your unused original tickets where:
    1. the Emergency Medical Assistance Service or we have arranged and/or paid for you to come home following curtailment of the trip, or
    2. we have paid you for any reasonable alternative and/or additional trav-el costs incurred by you to come home following curtailment of the trip.
    If however you have not purchased a return ticket, we reserve the right to deduct the cost of an economy flight (based on the cost applicable on the date you come home) from any additional costs we have incurred which are medically necessary to repatriate you to your home.
  4. The cost of Air Passenger Duty (APD) whether irrecoverable or not.
  5. Any claims arising directly or indirectly from:
    1. Your misconduct or misconduct by any person who you are travelling with or have arranged to travel with leading to dismissal, your/their resignation, voluntary redundancy, you/them entering into a compromise agreement, or where you/they had received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip.
    2. Circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip.
  6. Travel tickets paid for using any airline mileage or supermarket reward scheme (for example Avios), unless evidence of specific monetary value can be provided.
  7. Accommodation costs paid for using any Timeshare, Holiday Property Bond or other holiday points scheme. In addition any property maintenance costs, fees or charges incurred by you, as part of your involvement in such schemes is not covered.
  8. Anything mentioned in What is not covered applicable to all sections of the policy.

You should also refer to the Important conditions relating to health.