Policies purchased from the 6 September 2020 to the 30 March 2022

• Cancellation within 14 days of your trip if you test positive for coronavirus
• Cancellation if a close relative^ passes away after testing positive for Covid-19
• Curtailment if you test positive for covid-19 at your outward departure point and are not allowed to go on your trip
• Curtailment if you test positive or are medically quarantined for 24 hours or more (Economy, Standard and -Premier levels of cover only)
• Missing a departure or other delays to your trip if you’re waiting for test results and they’re late (with Standard and Premier cover levels only, you must arrive at your departure point within the time stated, and the testing is to take place at your departure point)
• Expenses for emergency medical treatment or extra expenses like repatriation while you’re abroad
• Curtailment if you test positive on arrival at your destination airport (Economy, Standard and Premier levels of cover only)
• Curtailment if a close relative^ passes away while you’re there

Remember, your cover won’t be valid if you travel against the Foreign, Commonwealth & Development Office advice of all or all but essential travel, or against local government advice. So check the latest FCDO advice here and the Government’s UK travel guidelines here. 

^ Close relative: Your spouse, civil partner, or the person with whom you are permanently cohabiting in a marriage-like relationship, son, daughter (including adopted or foster child), mother, father, sister, brother, grandmother, grandfather, grandchild, fiancé(e) and next of kin, including the same in law and step-relations.

Policies purchased from the 31 March 2022 onwards

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative# or someone you plan to travel or stay with dies or is hospitalised due to Covid-19.

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You test positive for Covid-19 after you’ve left the UK and have to self-isolate
• You test positive on arrival in your destination and are not allowed to continue your trip
• You, an immediate relative# or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if:

• You fall ill with Covid-19 while away – call our emergency assistance line and we’ll help you seek treatment or, if needed, arrange to bring you back to the UK

There’s no other coronavirus cover on our policies, but for extra reassurance you can add our Covid-19 Cover upgrade option for protection against missed departures and expenses incurred due to change of testing or quarantine requirements to your preferred policy for an additional premium.

Policies sold on or after the 31 March 2022, should the FCDO advise against all travel to your destination, there is no cover under any section of the policy should you travel.  

If the FCDO have advised to only undertake essential travel to a destination and your trip is not essential and you choose to travel, we will only cover a claim if the cause is not linked to the reason for the FCDO advice. This limitation applies even if you have purchased an optional Trip Disruption or Covid-19 upgrade. You may be able to travel with full cover if we authorise in writing that your trip is essential before you depart. Should you like to request this, please email: travelinsurancefeedback@postoffice.co.uk 

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

#Immediate relative: Your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian

How we travel has changed a lot in light of the coronavirus pandemic. Lots of people are now considering a ‘staycation’ in Britain rather than travelling abroad. If you’re among them, and it’s safe to travel in the UK, you can get your trip covered now with Post Office Travel Insurance.

We provide cover whether you’re taking a break in the UK or going on holiday overseas. It could provide welcome reassurance if your luggage or personal belongings are lost, stolen or damaged while you’re staying away from home in Britain. You’re also covered if you have to cancel or cut short your trip in some circumstances, as set out in the policy.

For Annual multi-trip, to have cover for trips within the UK there is a minimum requirement to have 1 night's pre-booked and paid accommodation or your stay must be at least 100 miles from your home, or you must have at least 1 sea crossing.

The UK Government provides guidance on travel 24 hours a day, 7 days a week. This is to enable you to understand any restrictions, safety issues and quarantines information that may be in place for the destination that you are travelling to. For each individual country the FCDO will list if travel is permitted or not. We recommend that you check the latest advice regularly as from time to time it can change, sometimes at short notice. Remember, your cover won’t be valid if you travel against the Foreign, Commonwealth & Development Office advice of all travel, or against local government advice. Check the latest on the FCDO site or read where can I go on holiday guide now.

Post Office Travel Insurance can cover you for a single trip of up to 365 days*, or multiple trips** in a single year, anywhere in the UK or abroad. We also offer backpacker cover > for a single trip of up to 18 months.

The type and level of cover provided depends on the policy type and options you choose, but can include cover for cancellation, cutting your trip short and abandonment of your trip, emergency medical expenses, lost, stolen or damaged baggage, lost, stolen or damaged passports or personal money, personal accidents and liability, legal protection.

Optional additional cover available includes Covid-19 cover upgrade, Gadget Cover, Sport and Activites cover (including golf), Trip disruption cover (including Terrorism), Natural Catastrophe and Air Space disruption) and Excess Waiver, plus 31-, 45- or 60-day trip extensions (on Annual Multi-Trip only).

Winter Sports Cover is compulsory for Winter Sports trips and Cruise cover is compulsory if you’re going on a cruise. It’s important to check the different travel insurances available, and their various options and add-ons, to ensure you’ll be sufficiently covered for your trip and all you’ll do on it.

Post Office is an award-winning travel insurance company, having won Best Travel Insurance Provider Gold award each year from 2006 to 2015 and the Silver award in 2016 to 2018 at the British Travel Awards and winner of the Best Travel Insurance Provider at the Your Money Awards in 2021.

Our Premier cover is 5 Star Defaqto Rated. Defaqto is a financial information business, helping financial institutions and consumers make better informed decisions.

We have a range of cover options available to suit lots of different holidays, so you can choose the cover that suits you best. We’re there for our customers when they need us the most; since we launched travel insurance in 2007, we’ve paid out over £167 million in claims.

Having travel insurance is a worthwhile purchase for anyone going abroad for their holidays. Even in relatively safe locations such as central Europe, a myriad of things can go wrong. Flights can be delayed. Airlines can lose your luggage.

Thieves often operate in tourist areas. And you could eat something that disagrees with you anywhere in the world.

We hope that none of these events happen to you. But if they do, you could be out of pocket – and with emergency medical problems it could be by tens or even hundreds of thousands of pounds.

Holiday insurance may be able to help avoid some of this risk. It’s a way to insure for travel you, those travelling with you and your belongings.

If your luggage is lost, holiday insurance may not be able to replace it, but the payout from a claim can help recover any costs that you have had to pay to get temporary alternatives.

In particular, the medical cover outside of the EU offered by insurance is a necessity.

Within the EU, you may think that an Ehic, or its replacement the Ghic , can cover all your medical needs. This isn’t true. Some of the most expensive medical services, such as repatriation, aren’t covered by the Ehic or Ghic. They are limited to health cover and won’t help at all with things like cancellation, loss or theft. As of 1 January 2021, the Ehic will no longer provide access to healthcare for UK nationals travelling to Iceland, Liechtenstein, Norway or Switzerland.

Even if you’re staying in the UK for your break, having holiday insurance will provide cover for lost, damaged or stolen possessions such as baggage, and cancellation, cutting your trip short or delay to your trip in some circumstances.

Our standard travel insurance policies will not provide complete coverage for any gadgets or devices you might like to use whilst on your trip. The only cover provided for gadgets as standard is for a mobile/smart phone up to the limit of £100.

Gadget Cover is an optional add on you can buy at any time to add protection for your gadgets. It will cover mobile/smart phones, tablets, computers, laptops, smart watches, drones, games (including handheld) consoles, all accessories for these items, plus wearable activity trackers. See the policy wording for full terms.

Yes, we do. We’ve partnered with Student Beans to offer a discount to students. To claim it, you’ll need to either register for a Student Beans account (to verify your student status) or log in with your existing account here. You’ll be given a unique code, which you’ll need to enter into the promotion Code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.