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Terms of Business

Important Information

  1. Coronavirus (Covid-19):

    1. Premier, Classic & Essential Cover

      All our policies provide cover for Coronavirus (Covid-19) in the following sections:

      Section B1 (Medical and other expenses outside of the United Kingdom)

      Section B2 (Expenses within the United Kingdom).

    2. Premier Cover only

      In addition to point a) above, our Premier cover policies also provide cover for Coronavirus (Covid-19) in the following sections:

      Section A (Cancelling your trip)

      Section C (Cutting your trip short)

      Please be aware that the coverage provided under Section A, applies if it is necessary and unavoidable to cancel your planned trip because an insured person named on the policy either:

      1. tests positive for Coronavirus (Covid-19) and it is within 14 days of your trip departure date, or;

      2. is admitted to hospital due to testing positive for Coronavirus (Covid-19) after the purchase of this policy.

    With the exception of Section K1 (Financial Failure) applicable on the Premier cover only there is no cover under ALL other remaining sections of cover, for any claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (Covid-19).

    For full details of cover, please refer to the policy wording.

  2. Travel against FCDO advice:

    Our policies do NOT cover travel to a country or specific area or event to which the Foreign, Commonwealth & Development Office (FCDO) has advised against all (or all but essential), travel. It is your responsibility to check the latest advice from the FCDO prior to commencing your trip, which you can find at

  3. Please be aware that this is not a private medical insurance policy:

    Your policy is not a private medical insurance policy, and does not cover private medical treatment, private hospital costs or other related expenses incurred unless these have been specifically agreed and authorised by the "Emergency Medical Assistance Company" as part of a medical emergency covered by this policy.

  4. Claims for reimbursement of costs:

    This policy will only respond to claims for irrecoverable losses. That means only once those principally responsible for reimbursing the cost have been exhausted. For example you should, in the first instance, contact your tour operator, airline, accommodation provider, credit or debit card providers to source a refund.