Am I covered by travel insurance if there's a travel warning in place where I'm going?

Sometimes a travel warning advising you not to go to a certain location may be issued by a government body. As we’ve recently changed our insurer, please select the date you bought your policy to find out how this may affect you:

Policies purchased on or after 1 Nov 2018 (GMT)

Policies purchased before 1 Nov 2018 (GMT)

For policies purchased on or after 1 Nov 2018:

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 which may impact your health, safety or travels.

What’s covered

If the UK’s Foreign and Commonwealth Office has issued a directive ‘against all travel’ or ‘against all but essential travel’ before you buy your policy or book your trip, we can’t insure you to travel 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).
Warnings may be issued or changed without notice at any time, so you should check the status before you buy a policy and invest in any travel arrangements.
Travel advice for UK residents can be obtained from the Foreign & Commonwealth Office (FCO)

  • Telephone: +44 (0) 20 7008 1500

  • Website: www.gov.uk/fco

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the Policy Wording for the full details on what’s covered and not covered and any limits or conditions which may apply.
For example, there is no cover for any expenses incurred due to:

  • Any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason.

  • Any consequence whether direct or indirect of a terrorist activity, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.

 
Note: For policies purchased on or after 1 August 2019, your World Nomads policy is underwritten by XL Catlin Insurance Company UK Limited. For policies purchased between 1 November 2018 and 31 July 2019, your World Nomads policy is underwritten by certain underwriters at Lloyd’s

 

For policies purchased before 1 Nov 2018:

Your policy it is not designed to cover you for needless risks or expected events, which includes travelling in areas where your Government expects something to happen which may impact your health or travels.

Whats covered

Foreign & Commonwealth Office travel advice unit directive: ‘AGAINST ALL’ or ‘AGAINST ALL BUT ESSENTIAL TRAVEL’ Policy conditions
Directive issued before you buy a policy or before you booked your trip. No cover under any section of the policy if you choose to travel to a destination where this travel advice is already issued
Directive issued after you purchased the policy or booked the trip and incurred expenses (whichever is the later) and before departure from your country of residence. Cancellation cover applicable – Explorer Plan only
Directive issued after you purchased the policy and after you have left your country of residence to commence your trip (whichever is the later) Curtailment cover applicable – Explorer Plan only
  

Warnings may be issued or changed without notice at any time, so you should check the status before you buy a policy or invest in any travel arrangements.

Travel advice can be obtained from the Foreign & Commonwealth Office (FCO)

Telephone: +44 (0) 20 7008 1500

Website www.gov.uk/fco

What’s not covered

Travel insurance is not designed to cover everything, so take the time to read the full description of cover in the Policy wording for the full details on what’s covered and not covered and any limits or conditions which may apply.

For example, there is no cover for any expenses under the policy due to:

  • any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason.
  • any consequence whether direct or indirect of a terrorist activity, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.

Note: For policies purchased before 1 Nov 2018, your World Nomads policy is backed by Millstream.


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Our contact details

We’re here to help if you have a question about travel insurance.

  • Monday to Friday 9:00am - 5:00pm (UTC/UTC+1) (For policies purchase on or after 1 November 2018)
  • Monday to Friday 9:00am - 5:00pm (GMT/BST) (For policies purchased before 1 November 2018)

Contact us

Phone

For policies purchase on or after 1 November 2018:


0800 260 5081


+353 21 237 8000

_________________


For policies purchased before 1 November 2018:


0330 660 0738


+44 (0) 330 660 0738