Summary of cover and policy wording

What is covered and can I see the full policy wording?‌

A summary of cover (including information about what to do in an emergency) can be found below. This is can be downloaded and taken with you on your trip:

Travel Policy Summary 2025 - 2026 (PDF, 182kB)

Main policy exclusions:

• Travel undertaken against the advice of a medical practitioner.
• Regular and mandatory Covid testing either prior, during or after an Insured trip.
• Quarantine or isolation costs where these are imposed by the country being visited.
• Cost associated with any mandatory quarantine upon a traveller returning to the UK (or home country) at end of an Insured trip.
• Personal holiday

Cancellation/Travel Disruption excludes:

• Disinclination to Travel
• Regulations made by any Government or public authority
• Strike or industrial action
• Financial Failure or omission or neglect of any provider (or their agent) of transport or accommodation
• Cancellation or rearrangement costs related to Covid unless Covid wasn't an issue at the point of departure. Rest assured we would offer every support to you if a claim had to be submitted and we would negotiate with insurers to get the best settlement possible. ‌