We don't cover you for cancelling your trip for any reason connected with pregnancy or childbirth if there aren't any complications, unless: 

• You became pregnant before you took out your policy or booked your trip (whichever is later);
• A medical professional advised you not to travel; and you couldn't rearrange the dates or destination of your trip and can give us written confirmation of this from your travel provider.

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation, Personal Belongings, Personal Accident and Hijack sections (where cover is provided as part of the platinum tier only).

Terrorism is any act or threat of action by a person or group intended to influence a government or to frighten the public or any section of it.

Acts of terrorism can include:

• violence against a person
• damage to property
• putting life in danger
• creating a health risk to the public
• interfering with or seriously disrupting computer systems or transport services including cyber terrorism
• biological, chemical or nuclear force or contamination

With new policies, you’re covered for up to £400 for “emergency dental treatment for the immediate relief of pain to your natural teeth incurred outside of your home area” under the Emergency Medical and Repatriation section of your cover (subject to your excess).

No, sorry. Currently, this isn’t possible.

No it doesn't cover this. If the company is an ABTA member, you can submit a claim to them for the cost of your holiday.

The policy excess is the amount you must pay towards any claim. The excess applies to each insured person and each event that leads to a claim. Multiple excesses may apply for claims under each section.

You can make a claim for the cost of extra transport, accommodation and administration costs you have to pay to get a replacement passport or emergency travel document. We’ll pay up to £300, £400 or £500 (depending on your tier of cover) towards these costs.

Please keep all receipts and obtain written confirmation from the embassy/consulate showing the date of the incident and cost of the replacement passport.

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.