Sometimes a travel warning advising you not to go to a certain location may be issued by a government body.
Your policy is not designed to cover you for needless risks or expected or known events, which includes travelling to or in areas where your government expects something to happen that may impact your health, safety or travels.
If the UK’s Foreign, Commonwealth & Development Office (FCDO) has issued a travel warning ‘against all travel’ or ‘against all but essential travel’ to a country or specific region before you buy your policy or book your trip, we can’t insure you to travel there or to stay there. Travellers with the Explorer Plan may have cover if such a directive is issued after you purchased your policy before departure (cancellation cover) or while you’re away (curtailment cover).
Travel Insurance Tip: Some exclusions will apply for epidemics, pandemics, and World Health Organization (WHO) declarations of a public health emergency of international concern. Please be sure to read the Policy Wording carefully as these are outlined in specific sections. Make sure you keep up to date on the travel warnings and health advice. Information from the FCDO is available at gov.uk/foreign-travel-advice, and get the latest from WHO by visiting who.int.
Please note:warnings may be issued or changed at any time. Please make sure you check your travel status before you buy a policy and invest in any travel arrangements.
Website: www.gov.uk/foreign-travel-advice or
Phone: (+44) (0)20 7008 1500 for further information on the status of a region or country.
There is no cover for any expenses incurred due to:
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UK FCDO advising against all travel or all but essential travel |
Policy conditions | |
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Directive issued before you buy a policy or before you booked your trip |
No cover for any loss or claim arising because you choose to travel to or remain at a destination for which this travel advice is already issued |
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Directive issued after you purchased the policy or booked the trip and incurred expenses (whichever is the later) and before departure from the UK |
Please note: some exclusions, including for epidemics and pandemics, apply to this part of the Explorer Plan. |
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Directive issued after you purchased the policy and after you have left the UK to commence your trip (whichever is the later) |
Please note: some exclusions, including for epidemics and pandemics, apply to this part of the Explorer Plan. |
The policy isn’t designed to cover everything, so take the time to read the terms, conditions, limitations and exclusions in the Policy Wording for full details so that there are no surprises if you need to use it. If you’re not sure if something is covered get in touch.
We’re here to help if you have a question about travel insurance.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.