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 under 'Key Information' below.

We will pay up to the amount shown in the table of benefits for:

  • travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;
  • the cost of excursions (excluding excursions in respect of a cruise, which can be covered under section Y), tours and activities which you have paid for and which you cannot get back; and
  • the cost of visas which you have paid for and which you cannot get back.

Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or similar loyalty card schemes, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.

We will provide this cover if the cancellation of your trip is necessary and unavoidable as a result of the following:

  1. You dying, becoming seriously ill or being injured.
  2. The death, serious illness or injury of a relative, business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with. The incident giving rise to the claim must have been unexpected and not something you were aware of when you purchased this insurance. Please see General exclusion number 1e and 1f in the policy wording for further details.
  3. You being made redundant, as long as you had been working at your current place of employment for a minimum continuous period of two years, and that at the time of booking the trip or the date you purchased this insurance cover, whichever is earlier, you had no reason to believe that you would be made redundant. This cover would not apply if you are self-employed or accept voluntary redundancy.
  4. You or a person who you have booked to travel with being called for jury service (and your request to postpone your service has been rejected) or attending court as a witness (but not as an expert witness).
  5. If the police or relevant authority needs you to stay in the United Kingdom after a fire, storm, flood, burglary or vandalism to your home or place of business within seven days before you planned to leave on your trip.
  6. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay in the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.
  7. If after the time you booked your trip or purchased your policy, whichever is later, the Foreign and Commonwealth Office advises against all (but essential) travel to your intended destination.
  8. If you become pregnant after the date you purchased this insurance cover (or booked your trip, whichever is earlier, if you are an Annual Multi-Trip policyholder) and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you purchased this insurance cover and your doctor advises that you are not fit to travel due to complications in your pregnancy.

Please see the policy wording for further information on exclusions to this cover.

Curtailment Cover

Please note: If you need to return home to the United Kingdom earlier than planned, you must contact the Medical Emergency Assistance Company as soon as reasonably possible (please see the Medical and other emergencies section on page 10 for further details).

We will pay up to the amount shown in the table of benefits for:

  • travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;
  • the cost of excursions, tours and activities which you have paid for either before you left the United Kingdom or those paid for locally upon arrival at your holiday destination and which you cannot get back; and
  • reasonable additional travel costs to return back to the United Kingdom (or costs to return home if your trip is within the United Kingdom) if it is necessary and unavoidable for you to cut short your trip.

Please note: If payment has been made using frequent flyer points, airmiles, loyalty card points or similar loyalty card schemes, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.

We will provide this cover if the cutting short of your trip is necessary and unavoidable as a result of the following.

  1. You dying, becoming seriously ill or being injured.
  2. The death, serious illness or injury of a relative, business associate, a person who you are travelling with or a relative or friend who you are staying with during your trip.
  3. If the police or relevant authority need you to return to your home in the United Kingdom after a fire, storm, flood, burglary or vandalism to your home or place of business.
  4. If you are a member of the armed forces, police, fire, nursing or ambulance services which results in you having to return to your home in the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.

Please note: We will calculate claims for cutting short your trip from the day your return to the United Kingdom begins or the day you go into hospital overseas as an inpatient. Your claim will be based on the number of complete days you have not used.