> Terms and Condition's apply. Only available on Economy, Standard and Premier policies.
Our Travel Insurance already provides cover for medical assistance if you’re injured by terrorism or as a result of a natural disaster. But, you might need more than the standard help available in these situations. Our Natural Catastrophe and Terrorism add-on offers extra protection..
For any new policy you buy or new trip booked covered by an existing annual multi-trip policy on or after 12 March 2020, we’ll still cover any medical claims due to coronavirus if you’re travelling to an area where there’s no Foreign and Commonwealth office (FCO) or Government advice against travel.
We won’t cover any other claim, under any section of the policy, relating to coronavirus (COVID-19) including any cancellation claim.
Please be advised that there is no cover provided on this policy if the FCO has already advised against all, or all but essential, travel to your destination prior to you purchasing your policy. This insurance policy is only able to provide cover for coronavirus-related disease, (including but not limited to COVID-19), under the Medical Expenses and Repatriation section of the policy. This means that we will cover the associated emergency medical expenses and costs to return you back home following you falling ill with COVID-19 overseas. However, we are unable to provide cover for any COVID-19 related claims under any other section of the policy. This means that if you need to cancel a trip, or it is disrupted or cut short, by a COVID-19 related matter, then we cannot provide any cover. This includes any government advice not to travel or preventing travel, or any change in regulation brought about by COVID-19 See what’s covered
Government guidance on travel within the UK and FCO advice on international travel may change at short notice. So it's important to check the latest advice regularly. But don’t worry. You can still get travel insurance from an award-winning provider in place today, ready for when it’s safe to visit your destination.
Then, if you fall ill while you’re overseas – even with coronavirus – we’ll cover the cost of emergency medical treatment and transport home if you need it. And, if the reason’s not coronavirus related, we’ve still got you covered for missed or delayed flights, lost or stolen luggage and passports, and even cancellation in some cases.
We don't provide any other cover for coronavirus. That includes if you have to cancel a trip because you or a close relative falls ill with or passes away from the virus.
Remember, your cover won’t count if you travel against official Government and FCO advice. So be sure before you go. Get the latest FCO advice on international travel here. Check the Government’s UK travel guidelines here. And find out what’s covered on our support page.
Our Travel Insurance already provides cover for medical assistance if you’re injured by terrorism or as a result of a natural disaster. You may need more than the standard help available in these situations, and this new add-on could give you the added protection you need.
If you’ve needed inpatient or outpatient treatment for shock, stress or trauma following a terrorist attack or natural catastrophe and it’s necessary for you to return home, we’ll cover the cost. The same conditions and limits will apply, as those under cancelling or curtailing your trip.
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The coronavirus pandemic has presented huge challenges for people’s travel plans. The good news is you can now get Post Office Travel Insurance cover in place for any trips you’re planning in future.
Once it’s declared safe to go, your policy will cover emergency medical expenses and costs to transport you home if you fall ill on your trip, even with coronavirus. But there’s no other coronavirus cover, including if you have to cancel a planned trip because of it.
Remember, buying extra cover for terrorist events doesn’t mean you can travel against any FCO or Government advice not to do so or preventing travel. Doing so will invalidate your cover, as could any change in regulation brought about by COVID-19.
Post Office Travel Insurance can provide protection whether you’re taking a holiday abroad or staying here in the UK. Your policy will be valid as soon as the Government advises it’s safe to take your UK trip.
Please note that, like all insurers, there is no cover for claims arising from or related to coronavirus (including, but not limited to COVID-19) or any related or mutated form of the virus. This applies to all of our policies, under any section.
As the unfortunate events of recent years have shown us, terrorist attacks can be indiscriminate and don’t only occur in areas already steeped in conflict. While we hope that no one is the victim of a terrorist attack, we know that it’s important to have the right protection and peace of mind.
Terrorism cover enhances your existing travel insurance cover to include disruption to your travel and alternative travel arrangements if you’re already at your destination when the attack occurs.
If it’s necessary for you to return home after receiving medical attention for shock, stress or trauma following a terrorist event, we’ll cover you. It also covers cancellation before departure due to excessive delay.
And, should something happen to your baggage as a result of a terrorist act – whether this is damage, loss or even it not arriving at all – we’ll cover this up to certain limits.
Nature is unpredictable and extreme weather events are becoming more commonplace. There are certain regions of the world where natural catastrophes are likelier to occur, however it’s impossible to know for certain if or when something significant will occur, such as a volcanic eruption or a hurricane.
Our new add-on can bring peace of mind knowing that you’re covered if you find yourself at the mercy of Mother Nature before you leave, are in transit or while you’re on holiday. If your departure is delayed by more than 24 hours and you decide to call it a day, you can claim. And if you’re in transit or already at your destination and a natural disaster prevents you from continuing your holiday, you can claim then, too.
There are a few exclusions to mention on the Natural Catastrophe and Terrorism Cover. Please refer to the policy wording for full details. If you decide to abandon your holiday before it’s been delayed by 24 hours, we can’t cover you. Similarly, if you buy your cover after a terrorist event or natural catastrophe has been announced in the press, you wouldn’t be covered. In the case of delay and cancellation, you’ll need to try to claim compensation from all other relevant sources (like your airline or holiday provider) before we’ll consider a claim.
You won’t be covered for acts of terrorism that involve nuclear, biological or chemical weapons, or cyber terrorism.
Having cover for terrorist events doesn’t mean that you can travel to areas that the FCO have advised against travel to. You are still limited by the same rules governing travel safety as general travel insurance.
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