All our policies include cover for cancellation and curtailment if an insured person named on the policy documentation has a confirmed diagnosis of Coronavirus (COVID-19); and for emergency medical expenses if you get infected by COVID-19 whilst abroad. Providing you aren’t travelling against Foreign, Commonwealth & Development Office (FCDO) advice

You are covered if:

1. You or a close relative are diagnosed with or have contracted COVID-19, providing it has been more than 48 hours since you purchased the policy
2. You test positive for COVID-19 and need to cut short your holiday.
3. You test positive for COVID-19 and require hospital treatment.
4. You test positive for COVID-19 and require repatriation to the UK.

PLEASE NOTE: If the FCDO changes its advice in relation to the country you are travelling to because of COVID-19 or another pandemic and you can't now travel, there will be no cover under this policy for cancellation of prepaid costs including but not limited to activities, accommodation and transport services. You should make enquiries with the providers and review their booking conditions to ensure they will offer a rebooking or refund in such circumstances. You may also want to consider paying these costs with a credit card or debit so you have the option of recovering from your credit card provider or your bank should the provider fail to honour the agreement to refund or rebook.

Cancellation due to a pandemic illness or for personal quarantine is not covered within the first 48 hours of the policy purchase date.

No cover applies to trips if the Foreign, Commonwealth & Development Office (FCDO) advise against travel to your destination. You can read the FCDO's latest advice here. The FCDO is currently advising against ALL cruise ship travel for British Travellers. If you cancel your policy within 14 days of purchase, you are welcome to a full refund - provided you have not travelled and do not intend to claim. Beyond 14 days you may be entitled to a partial refund. Please check the cancellation terms in your policy wording for details.