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What to do if you have to cancel your trip due to illness or injury

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1. Rearrange or cancel your bookings

As soon as you know you won’t be able to use any pre-booked or pre-paid accommodation, transport or tours, you must try to rearrange them, or if necessary, cancel.

Just remember, if you decide to rearrange, we’ll only pay up to the benefit amount. If you don’t rearrange or cancel as soon as reasonably possible, we won’t cover any additional rearrangement or cancellation costs that arise as a result. But you should only cancel arrangements when it’s absolutely necessary.

For example, if your doctor says you can’t fly for two days, but you cancel a three-week trip, rather than putting it back by two days, we’ll only cover cancellation of two days’ worth of accommodation, not the entire booking.

2. Get it in writing

To support your claim, you’ll need to get the following:

Doctor (or other medical practitioners) report, confirming what happened and the nature of the illness or injury.
Hospital Admission report (if the person was admitted to hospital).
Ambulance report (if they were involved).
Police report (if they were involved).
Any other relevant documentation related to what happened.

What does my travel insurance cover?

3. Keep your itineraries and receipts

You’ll need to keep your receipts, itineraries and booking and cancellation confirmations including details of any refunds received for any affected transport and accommodation.

This information may help you avoid unnecessary costs, gather the right evidence and help keep your claim hassle free.

Am I covered if I cancel my trip due to COVID-19?

The Coronavirus has made planning a trip harder than ever – which is why we’ve tried to add some certainty to the process with the Coronavirus Travel Costs cover available on the Explorer Plan only. It provides cover if you’ve had to cancel or rearrange your trip due to your or a member of your travelling party’s Coronavirus diagnosis.

Diagnosis must be made after you’ve bought your policy and benefit limits apply.

If you have no option but to cancel your trip and the event is unforeseen and out of your control you may be covered for the following:

If you or a member of your travelling party are diagnosed with Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements.
If your close relative in the UK is hospitalised or dies due to Coronavirus and you have to cancel your trip, we will pay the non-refundable portion of your pre-paid travel arrangements.
If you or a member of your travelling party are permanently employed as a healthcare worker, residential care worker or law enforcement officer, and your or their pre-arranged leave is cancelled by the employer due to Coronavirus, we will pay the non-refundable portion of your pre-paid travel arrangements.

To find out what cover applies to you, read our Coronavirus cover article, which has all of the details, including benefit limits, conditions and exclusions.

Please note: COVID-19 cover depends on your Country of Residence and varies between plans.

Reconnect with the world with our travel insurance cover for some Coronavirus-related events

Itching to travel again?

Explore the world with our plans that provide cover for some Coronavirus-related (including COVID-19 related) events, including emergency overseas medical, evacuation, cancellation cover and more. Find out what cover applies to your Country of Residence, and the key benefit limits depending on which plan you purchase. Happy and safe travels!

Overseas medical expenses and repatriation home

If a qualified medical practitioner diagnoses you with Coronavirus while you’re travelling, we may offer emergency medical benefits to help you get back on your feet, as well as emergency transport to the nearest or most appropriate medical facility or back home to the UK to recover.

Standard plan:
£5,000,000

Explorer plan:
£10,000,000

Repatriation of your remains

If the worst happens and you die from Coronavirus while overseas, we offer benefits to help your family with the costs of a funeral, or if available, bringing you back to your home country.

Standard plan:
£5,000

Explorer plan:
£5,000

Coronavirus Travel Costs section (cancellation and curtailment pre and on-trip)

Had to cancel your trip because you, a travel companion or a close relative in the UK have been diagnosed with Coronavirus? Our cover may help with your cancellation costs.