Your travel insurance provides cover for costs you're not entitled to recover elsewhere if an unexpected illness or other event means you need to cancel your trip.
Your travel policy includes cancellation cover if you're personally affected by COVID-19, such as testing positive shortly before your trip.
There's no cover for cancellation due to COVID-19 related travel disruption that occurs after you've booked your trip. For example:
- The FCDO changes its advice about your destination due to COVID-19
- Your destination closes its borders
Here are some ways you can recover your costs if COVID-19 travel disruption affects your trip:
- You're entitled to a refund or alternative holiday if your holiday package is ABTA or ATOL protected
- You can also expect a refund from your airline if it operates under CAA regulations
- In some cases your credit card company may provide protection under section 75 of the Consumer Credit Act for bookings over £100 where a service has been cancelled. If you have an eligible claim against your card provider you'll be entitled to a full refund with no excess to pay
For more information on how to make a claim, take a look at our 'make a claim' section below.
To find out what coronavirus cover you have on your existing policy, visit our COVID-19 hub.
For information about the latest news relating to your travel insurance, read our hot topics FAQs.