My holiday destination has been affected by coronavirus – can I cut my trip short?
If you have a policy starting with SL9, SA9, MT9 or GY9:
If you have already departed for your trip and regulatory advice changes while you’re there to advise against travel, you will be covered for any cancellation costs not already covered by your tour operator, accommodation or transport provider.
If the hotel or area you are staying in is put under quarantine and you are unable to return as planned, you may be able to make a claim for any costs or additional costs incurred. However, you should contact your tour operator or transport and accommodation provider in the first instance for a refund of costs and/or additional costs incurred.
If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9:
We can provide cover for the following circumstances as follows:
1. I have symptoms of coronavirus or have been diagnosed with the condition.
If you have fallen ill, you (or someone on your behalf) must contact the 24 hour Emergency Assistance Service as soon as possible. For full details, please refer to you policy documentation under “Emergency and Medical Service”.
2. I am currently travelling in a region or country that the Foreign and Commonwealth Office has now advised against travelling to.
There is no cover for curtailment of the trip under the policy but cover will remain in place for emergency medical expenses as a result of coronavirus and all other standard policy cover will remain in force for the duration of your trip provided you arrived before the advice was issued. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.
3. I am currently travelling in a region or country where the Foreign and Commonwealth Office has not advised against travelling to but I am concerned about contracting coronavirus.
There is no cover for curtailment of your trip. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.
4. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus and will miss my transport home.
There is no cover under your policy. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.
Please note: Cancellation is not covered where you decide to cut your trip short to an area for which there is no regulatory advice in place.