Enhanced COVID-19 optional add on is only available for trips within Europe and where you have taken COVID vaccinations when offered to you. Cover is provided if the FCDO advice against all but essential travel, solely as a result of COVID 19.
If your trip is cancelled you should contact your Travel Agent, Tour Operator, airline or accommodation or credit card provider for a refund in the first instance.
Booked through a Travel Agent or Tour Operator
If you booked with a Travel Agent or Tour Operator, you should contact them first to see if you can make any changes to your trip, or if they are able to offer you a refund.
You can make a claim under the Package Travel Regulations if any travel intermediary booked two or more parts of your holiday together and they are then unable to deliver the full package.
You should contact your Tour Operator or Travel agent to check that any additional payment is fully refundable should the trip be cancelled for any reason by the operator (for example: the balance of the holiday cost where you have only paid a deposit so far).
It is important that you do check and get clarity from your travel provider that if your trip is cancelled, you should expect a full refund of the whole cost of the trip once you have paid the full amount. Please check your operator terms and conditions.
Deciding not to pay the balance and not getting clarity from your Airline or Tour Operator could mean that you lose the deposit, or even if the trip is subsequently cancelled, you may not get the money back.
Choosing not to travel or disinclination to travel is not covered under the travel insurance policy.
Booked flights only or accommodation only
If you booked your travel independently, you should still approach the travel provider (airline, accommodation provider etc) in the first instance to rebook or for a refund.
If you have alternative dates to travel after contacting your Travel Agent or Tour Operator, airline and/or accommodation provider, please contact our team.
There are several options that could allow us to change your trip dates or provide you with a new Single Trip policy that can cover trips booked up to 18 months in advance. Please contact our team on 0345 305 2622 who will update your policy.*
Booked using my credit card
If you paid for your trip by credit card, you may be able to make a Section 75 claim.
If you put something on a Credit card that is worth £100 or more (up to £30,000), your credit card provider is ‘jointly and severally’ liable if something goes wrong with the purchase. This means if you cannot reclaim from the retailer, you can then claim the refund from the credit card provider.
Contact the retailer in the first instance to request a refund – you may find this easier than obtaining a refund from some card providers
Call the credit card provider. Tell them you want to make a claim under Section 75 of the Consumer Credit Act and ask for a claim form