Sometimes things happen that are outside of your control and result in you needing to make a change to your trip. If your trip is interrupted or disrupted, you may be able to reclaim costs you incur as a result.
We may cover you for reasonable additional travel expenses up to the standard of your original booking, which are attributed directly to an insured event that results in your trip being disrupted after you have left your home.
Our policies cover three ways your trip could be disrupted:
Cover is provided for insured events when they are sudden, unforeseen, avoidable, outside of your control, and occur after you have been issued your Certificate of Insurance.
There are 9 insured events for Trip Disruption cover, which you can find in the Policy Wording.
Note: If you’re travelling on a one-way ticket, we expect you to pay the cost of an Economy Class airfare home, as this is considered a reasonable and necessary cost you’d ordinarily incur during your trip.
If your flight has been overbooked and you are waiting to be put on another flight, we may cover you for costs associated with delays that are longer than 12 hours. This may include cover toward the cost of meals and refreshments, up to the limits shown on the Summary of Cover.
If your flight has been cancelled due to staffing issues you may be covered for reasonable accommodation and flight expenses if no other reasonable alternative is provided by the airline, up to the limits shown on the Summary of Cover.
Some of the things we won’t cover regarding Trip Disruption cover include:
This is a summary only and does not include the full terms, conditions, limitations and exclusions of the policy. You should read your Policy Wording in full so you understand what is and isn’t covered. If you have any questions, please contact us.
We’re here to help if you have a question about travel insurance. We’re available:
For policies purchase on or after 2 December 2018:
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For policies purchased before 2 December 2018:
Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice
Gaza−Israel conflict: For travellers in, or planning on travelling to, Israel or the Palestinian Territories, please see our travel alert with more information.