If you contract Covid-19 abroad our policies provide the following cover:

• Emergency medical treatment and repatriation, when medically necessary, if you contract Covid-19 whilst abroad.
• Cover for additional accommodation & transport costs (limits apply) if you are unable to return home due to contracting Covid-19 and being told to self-isolate abroad.
• Confined to your accommodation benefit (Platinum policies only)
  We will pay a fixed benefit (limits apply) for every 24 hours that you are confined to your accommodation due to medical advice.
• Cabin confinement (Cruise policies only)
  We will pay a fixed benefit (limits apply) for every 24 hours that you are confined to your cabin due to medical advice.

If you contract Covid-19 before you travel, our Gold, Platinum and all levels of Cruise cover provide cancellation in the following circumstances:

• if you, anyone insured on the policy, or a travel companion catch Covid-19 within 14 days of your trip starting.
• if you, anyone insured on the policy, or a household member have to self-isolate at home due to Covid-19.
• if you, anyone insured on the policy, or a family member are hospitalised or die due to Covid-19.

Important: There is no cancellation cover on silver policies.

Our policies will not provide any cover if:

• You travel to a destination where the Foreign, Commonwealth and Development Office (FCDO) is advising against all, or all but essential travel.

Our policies do not provide cover for:

• Cancellation caused by a change to FCDO or government travel advice, other than as a result of fire, earthquake, storm, flood, riot or civil unrest.
• Cancellation if your travel provider cancels or postpones your trip.
• Denied entry to the country or territory you are travelling to.