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Is Coronavirus covered by my travel insurance?

To find out how Covid-19 affects your travel insurance, take a look at our dedicated FAQ page

Can I get cover in the event of scheduled airline failure?

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?

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.

Am I covered if my flights are disrupted because of Brexit?

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

I’m unable to travel or need to return home early due to travel restrictions such as lockdowns or to avoid quarantine rules imposed by the UK government or the country I’m visiting. Am I covered for cancelling or cutting short my trip?

There’s no cover for costs incurred for cancelling or cutting short your trip because of general travel restrictions, quarantine rules imposed upon arrival or return in any country or the financial impact of needing to quarantine such as loss of earnings.

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View all our FAQs

Is Coronavirus covered by my travel insurance?

To find out how Covid-19 affects your travel insurance, take a look at our dedicated FAQ page

Is it illegal to travel without holiday insurance?

No, it's not a legal requirement but it gives you cover against things like cancelled holidays, missed transports, missing luggage and injury while abroad.

Does travel insurance cover natural disasters?

Cover for catastrophes including fire, storm, lightning, avalanche, landslide, explosion, hurricane, earthquake, volcanic activity including ash cloud, flood, tidal wave, tsunami, medical epidemic or pandemic are all included as standard on our Gold and Platinum policies. This cover is not included in our Admiral level policy. 

My partner and I live at separate addresses, can we still buy a couple policy?

No, you would need to buy individual policies. Our definitions are:

  • Individual policy – one adult aged 18 or over.
  • Couple policy - two adults aged 18 or over who live at the same address and are in a relationship.
  • Family policy – two adults aged 18 or over who live at the same address plus at least one child (maximum 5).
  • Family one adult policy – one adult plus at least one child (maximum 5).

What is your definition of Europe?

When we refer to Europe, we are referring to the following countries and territories: Albania, Andorra, Austria, Belarus, Belgium, Bosnia, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faroe Islands), Egypt, Estonia, Finland (including Aland), France (including Corsica), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including Sardinia and Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway (including Svalbard), Poland, Portugal (including Azores and Madeira), Republic of Ireland, Romania, Russia (West of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic and Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, The United Kingdom (including Channel Islands and Isle of Man), Vatican City.

Am I covered for private medical treatment?

No, you will need to have any private treatment pre-authorised by the Emergency Assistance Service. If you are travelling in Europe, Australia or New Zealand you can access public health services, free of charge and you won’t be required to pay any excesses on the Medical Expenses section of your policy.

What happens if I'm the victim of a terrorist attack while I'm abroad?

First of all, we hope that this is never the case. But, if you do need emergency assistance, please call +44 (0)29 2010 7777 at any time and we'll do everything we can to help.

Are there any destinations I can't travel to under my policy?

Yes, no matter which destination you select when you buy your policy, you aren't covered if you travel somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to go to. For more information see the FCDO's foreign travel advice page or call 020 7008 1500.

What cover is there for dental treatment?

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).

Can I upgrade my travel policy cover level after I’ve taken it out?

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

Is terrorism covered?

Terrorism is excluded from all sections of the policy except for the Emergency Medical and Repatriation section, Personal Accident section and Hijack section (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

Can I get cover in the event of scheduled airline failure?

We will not pay any claim due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

Do I need to declare existing medical conditions to get Admiral cover?

Declaring your medical conditions will ensure you are purchasing a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

I have an Annual Multi-Trip policy. What is the longest I can go on holiday for?

You can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

Take a look at our Annual Travel Insurance page to learn more.

Will my holiday insurance cover me if the travel agent/tour operator/airline company goes into administration?

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.

Do you cover children under 18?

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.

What happens if I can't return from my trip on my planned date because of illness or injury; am I still covered?

Yes, we extend your policy and continue to provide cover in those circumstances where the delay is completely outside of your control.

I don't live in the UK – can I get travel cover?

Unfortunately not. It's only available to permanent residents of the UK (England, Northern Ireland, Scotland, Wales and the Isle of Man).

What happens if strike/industrial action disrupts my trip?

Provided you weren’t aware of the strike/industrial action at the time you booked your policy, and it wasn’t public knowledge, we’ll pay up to the limits shown in your policy schedule for irrecoverable costs you've paid.

What happens if my baggage is delayed, lost or stolen?

If your baggage is delayed or lost in transit, you should tell the company transporting your baggage within 24 hours of discovery. Ask them to complete a Property Irregularity Report or give you with a baggage loss receipt. If your baggage is delayed for more than 12 hours from when you arrive at your destination, your policy provides cover to buy necessary items (up to £50, £100 or £150 depending on your tier of cover).

If your baggage is stolen, you should report this to the local police within 24 hours of discovering the theft and get a written report. You can claim (up to £1,000, £1,500 or £2,500 depending on your tier) for stolen or lost items. There's a single item limit and total valuables limit (up to £200, £300 or £400 depending on your tier).

Are there any charges to change my policy?

No, we don’t charge any admin fees.

What should I do if I or someone travelling with me becomes ill during my holiday?

If you or someone covered by your policy becomes ill or is injured during your trip and needs emergency medical treatment, please go to a public medical facility and contact our 24 hour emergency assistance line on +44 (0)29 2010 7777 as soon as you can.

Please call this number if you're unsure where to get treatment, you think costs may go over £500, or you think you'll need to cut your trip short.

For minor ailments while abroad, pharmacies and public health facilities are often able to give advice and provide treatment. If costs are more than the policy excess and you want to make a claim, please keep all receipts and call our claims line on 0333 234 9914.

Does my policy allow someone to travel out to be with me if I am ill abroad?

Yes. If you've been given medical advice that someone should stay with you and that requires someone travelling from the UK to be with you, we'll cover the reasonable extra transport and accommodation costs (up to the policy limit) for that person.

How long can I travel for?

The maximum length of a Single Trip policy is 12 months, making it ideal for backpackers and students taking a gap year. If you choose an Annual Multi-Trip policy you can take as many trips as you wish within 365 days (as per the dates shown on your policy schedule), providing each trip lasts no more than 31 days. Cover for extended trips may be available on request, subject to underwriting approval and payment of an additional premium.

How to extend travel insurance due to illness or injury

if you have to extend your trip for medical reasons our policies will automatically provide cover until you return home.

If you have a single trip policy and need to change your travel dates, you must contact us before you go on your trip.

If you have annual multi-trip cover, the maximum length per trip on the policy is 31 days.

If your annual policy is due to end while you're on holiday and your policy is not set up to automatically renew, please contact us before you travel so we can arrange for your policy to continue while you're away.

What should I do if my travel is disrupted by severe weather?

We’ll pay £25 for each 12 hours you are delayed (up to a maximum of £250) from starting your journey due to severe weather.

If your transport is delayed for more than 24 hours or cancelled and cannot be rearranged for over 24 hours, cover is provided (for costs up to £1,000 on Admiral, £2,500 on Admiral Gold and £5,000 on Admiral Platinum) if you decide to cancel or abandon your trip.

Additional transport and accommodation cover* - If you decide to continue with your trip after being delayed for more than 24 hours or because your transport was cancelled and no alternative could be found within 24 hours of your original departure time, we’ll reimburse you (up to £500, £750 or £1,000 depending on your tier of cover) for additional transport and accommodation costs that matches the standard of what you’d originally booked.

We won't make any payments if they aren’t additional to costs you were already expecting to pay - for example if you get a refund and the cost of alternative transport or accommodation is less than the refund. Check your policy book for full details.

Do you cover my car if it breaks down when I'm driving in Europe?

No, your holiday insurance doesn't cover car breakdown. However, if you have Admiral Car Insurance, you can extend this to provide European Breakdown Cover. This covers you and your car in case it breaks down while abroad in Europe.

What does excess mean in travel insurance?

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.

Can I get one-way travel insurance?

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Do you cover travellers over the age of 70 for Annual Multi-Trip policies?

Yes, the age limit varies between 75 years and 79 years for policies bought direct with Admiral.

Will I need a visa to travel to the EU after Brexit?

In the future, it's possible UK citizens will need a travel permit as part of the European Travel Information and Authorisation Scheme (ETIAS). 

If you can’t go on your trip because you don’t have the correct visa or permit, you won’t be able to claim on your cover.

How long will I need on my passport after Brexit?

The Government recommends UK travellers have at least six months left on their passports from the date they arrive in an EU country when travelling after 29 March 2019. Check the validity of your passport online with this handy tool.

If you can’t go on your trip as you don’t have enough time left on your passport (or you didn’t renew it in time), you won’t be able to make a claim.

Can I still use my EHIC card after Brexit?

If your EHIC is still in date, you can use it when you travel. Otherwise you’ll need to apply for the new Global Health Insurance Card (GHIC).

If you have a medical emergency while you're abroad, you're injured, fall ill, or have to cut your trip short please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777.

What's covered under lost green fees?

We will pay up to £50 per day (maximum of £500) towards the daily allowance for non-refundable pre-paid green fees, golf equipment hire fees and tuition fees which are not used due to an accident injury or illness, and adverse weather causing the course to close.

How do I make a claim?

For non-medical emergency claims:

  • Where policies were renewed before 5 May 2020, call our claims team on 01243 218 437 between 8:00 and 20:00 Monday to Friday and 9:00 until 16:00 Saturday
  • For cover bought or renewed after 5 May 2020, call our claims team on 0333 234 9914 from 9:00 until 17:00 from Monday to Friday

If your equipment is stolen you must report it to the police within the first 24 hours.

It will help your claim if you can produce receipts for your golfing equipment, or a credit card or bank statement.

If you fall ill while you’re on holiday you must produce a doctor’s note if you are claiming for missed play due to ill health.

What golf equipment is covered with the upgrade?

We will pay up to the policy limits for any loss, theft or damage to the following equipment that you own: golf clubs, golf bags, golf shoes and a non-motorised golf trolley.

Do I need specialist golf travel insurance?

It’s not compulsory to have specialist golf travel insurance, but it’s a good idea to make sure you’re covered in case the worst happens. Our Golf Travel Insurance upgrade covers:

  • Damaged, lost or stolen golf equipment
  • Replacement equipment hire
  • Lost green fees

This is in addition to the cover you get with your standard travel insurance.

What is single trip travel insurance?

If you’re not a frequent traveller and will take one holiday a year, this type of cover might be better for you than an annual policy which covers numerous trips over the year.  Both give protection against things like cancelled trips, lost luggage and a host of sporting activities

When should my single trip travel insurance start?

Your cover begins on the day you selected for it to start and finish (your holiday dates), but your cancellation period starts from the date you bought the cover. 

Does travel insurance cover alcohol-related accidents?

Accidents and illnesses caused by drinking too much alcohol aren’t covered by your policy. 

Does travel insurance cover repatriation?

Yes, Admiral’s holiday insurance covers emergency medical treatment and repatriation as standard. Our emergency assistance service may arrange for your repatriation to your home area if our medical adviser or the doctor treating you thinks it’s safe. The amount covered depends on the tier you choose: 

  • Admiral: up to £10m
  • Gold: up to £15m
  • Platinum: up to £20m  

What does single trip travel insurance mean?

Single trip travel insurance covers you for one trip only, lasting up to 365 days. You must set off from and return to the UK.  

This is different to an annual travel insurance policy, which covers all the trips (up to 31 days at a time) you take in 12 months.

Can I get one-way travel insurance?

No, Admiral doesn't offer one way travel insurance. To buy our cover, you'll need to be travelling from and returning to the UK.

Does annual travel insurance cover UK holidays?

Your Admiral policy will cover trips to: 

  • Northern Ireland
  • England
  • Scotland
  • Wales
  • The Isle of Man
  • Channel Islands

You must be travelling more than 25 miles away from your home address and staying for two or more consecutive nights to get the cover.  
 

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Should I get travel insurance for Dominican Republic?

It’s not a legal requirement to have cover, but it’s sensible so you aren’t left footing the bill yourself should something happen. For example, the average cost of treating a broken leg (including repatriation) in Dominican Republic is a hefty £25,000. Take a look at our Getting Ill Abroad page for more information on the true costs of medical treatment across the world.

Do I need travel insurance for Cuba?

Yes, you do – travel insurance is mandatory when travelling to Cuba. You may be asked to show proof of travel insurance when you arrive and you’ll need to make sure you’re covered for your whole trip.

Do I need travel insurance for Morocco?

You don’t have to have cover to take a trip to Morocco, but it’s worth having so as not to be left out of pocket should the worst happen.

What does Mexico come under for travel insurance?

If you’re travelling to Mexico, you'll need to select the Worldwide level of cover. 

Do I need travel insurance for Australia?

Having cover when you travel isn't a legal obligation, but consider if you could pay the medical bill if something happened. In Australia, getting you home with a broken leg can cost £12,000. See our Getting Ill Abroad map for more information on medical costs for common illnesses in holiday destinations.

Does worldwide insurance cover Europe?

If you're travelling to Europe it may be cheaper to get a European travel policy rather than worldwide cover. Check out our European Travel Insurance page to find out more 

Do you provide worldwide travel insurance for over 65s?

Our current maximum age limit for single trip and annual multi trip insurance is 70 years old.

Does travel insurance cover assault?

If you need medical treatment after an assault, Admiral Travel Insurance will cover you, unless you’ve put yourself in needless danger (other than to save someone’s life).

Travel insurance is designed to cover you against the unexpected. If you’ve picked a fight with someone and ended up injured because of it, your claim may not be successful as you put yourself at risk.

Is pregnancy a pre-existing condition for travel insurance?

Pregnancy isn’t considered a pre-existing medical condition, so there’s no need to tell us before you travel.

However, make sure you tell us about any medical conditions you have because of your pregnancy, such as gestational diabetes or high blood pressure. If you don’t, you might not be covered should you need medical assistance.

We’ll only cover complications of pregnancy and childbirth abroad (as described in the ‘Definitions’ section of our policy wording) so you aren't covered for routine medical care such as check-ups, pre-natal care, normal childbirth and post-natal care. There’s also no cover if the carrier denies you boarding.

Can I travel anywhere in Europe?

You won’t be covered if you travel to a country which the Foreign, Commonwealth and Development Office (FCDO) has advised ‘against all travel’ or ‘against all but essential travel’. 

Can I buy travel insurance to Europe from the UK?

Yes - you must buy travel insurance while you're still in the UK; you can’t take out Admiral cover one you’ve gone through Customs. 

Will my travel insurance cover skiing or snowboarding in Europe?

If you’re planning a ski or snowboarding trip to any of Europe’s spectacular mountain resorts, you’ll need to add our Winter Sports upgrade onto your policy to be covered for the trip. Without it, your policy won’t be valid.

Is my European cruise covered by my travel insurance?

To be covered for a cruise trip, you must add our cruise cover upgrade. Without it your policy won't be valid.

What should I do if I have a medical emergency, or if I have to cut my trip short?

In case of a serious medical emergency during your trip, please call our 24-hour Emergency Assistance Helpline on +44 (0)292 010 7777 before going into hospital or incurring medical expenses over £500, so we can help you.

For non-medical emergency claims:

  • For policies renewed before 5 May 2020, call our claims team on 01243 218 437. Our lines are open Monday to Friday 8:00-20:00 and Saturday 9:00-16:00
  • For policies bought or renewed after 5 May 2020, call our claims team on 0333 234 9914. Our lines are open Monday to Friday only 9:00-17:00

Is Turkey in Europe?

While Turkey straddles eastern Europe and Asia, Admiral Travel Insurance classes Turkey as Europe, so our European cover on single-trip or annual cover is what you need.

Is Iceland in Europe?

When buying Admiral Travel Insurance, Iceland is classed as Europe. The island is located between north America and mainland Europe.  Interestingly, Reykjavik is both the northern-most and western-most capital city in Europe.  

Is Cyprus in Europe?

For travel insurance purposes, Cyprus is classed as in Europe by Admiral Travel Insurance. If you’re travelling to Cyprus, it’s important to be aware of the north/south divide in the country.

The north is run by Turkey and accepts the Turkish lira for currency. Whereas the south is mainly inhabited by Greek Cypriots and accepts the Euro.

Does the GHIC/EHIC cover Cyprus?

Neither the GHIC nor the EHIC are valid in the Republic of Cyprus (northern Cyprus) but they're accepted in the south. If you’re travelling to Cyprus it’s important to have insurance in place should you need medical attention.

Is Russia in Europe or Asia?

Russia, west of the Urals, is covered by Admiral’s European travel insurance. The Ural Mountains approximately run from north to south in western Russia and forms part of the conventional boundary between the European and Asian continents.

You’ll need a visa to travel to Russia and it’s best to apply in plenty of time. For more information visit the Russian Embassy’s website.

Am I covered if my flights are disrupted because of Brexit?

You’ll be covered if there’s any disruption to your flights (in line with current cover and exclusions) if you already have travel cover or have booked a trip on your annual policy.

If there’s an official warning from the Government or airlines that suggests flights are likely to be disrupted, customers buying new policies may not be covered.

I don’t want to travel because of Brexit – can I cancel my trip?

If you decide you don’t want to travel because of Brexit and end up cancelling your trip, you won’t be able to claim. Not wanting to travel isn’t a valid cancellation reason for claiming.

Do I need travel insurance for working holiday in Australia?

It’s always best to have insurance when you go away, but you need to make sure you’re covered to work too. We cover you if you’re working in an office or waiting tables, but any paid or unpaid manual work isn’t covered.

Do you need any vaccinations to go to Australia?

If your routine vaccinations are up to date, you’ll need no extra jabs to visit Australia.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

Will my Australian travel insurance include cruise cover?

If you need cruise cover, you’ll need to add it to your policy as an upgrade. Find out more about our Cruise Travel Insurance upgrade.

Can I get travel insurance for Australia with a pre-existing medical condition?

If you have pre-existing medical conditions, you can still travel to Australia – you just need to declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions.

Do I need a visa for China?

Yes you do, and you’ll need to apply in person at a Visa Application Centre. Find out more on the FCDO website. Your passport will need to be valid for at least six months when you enter China.

Do I need vaccinations for China?

There are no specific vaccination requirements for China but your doctor may recommend the following:

  • Hepatitis A
  • Hepatitis B
  • Rabies
  • Tetanus
  • Tick-borne Encephalitis
  • Typhoid

Cholera and Japanese Encephalitis are recommended for the highest risk people.

You should make sure your usual recommended vaccinations and boosters for life in Britain are up to date.

Do I need travel insurance for China?

It’s not a legal requirement, but think about what you’d do should the worst happen when you’re in China. Having travel insurance is a good idea to make sure you don’t end up out of pocket, particularly if you need medical treatment.

Is China safe to travel alone?

China is a relatively safe country to travel around by yourself. But all travellers should keep an eye on their money and valuables – don’t fall victim to pickpockets or scammers.

Other than that, the most challenging thing is likely to be the language barrier.

Is China safe for tourists?

The FCDO advice states that China isn’t an unsafe country, but scammers do tend to operate in tourist areas. You may be invited to a bar for a massage or tea tasting, only to be told you need to pay a huge fee and possibly even threatened.

You should also check the QR sticker on bikes before renting them, as there have been instances in the past when the correct sticker has been replaced with a fake one, with the money going into an incorrect account.

Does travel insurance cover pickpocketing?

Your travel insurance covers theft of your personal belongings, money or documents, but you must report the theft to the police or your travel operator within 24 hours of discovering it. You’ll need to get a written police report (or a Property Irregularity Report from your transport operator if the theft happened when they had your things).

Is it safe to travel to Egypt?

Since January 2011, there has been significant political turmoil in Egypt with violent protests and terrorist attacks. Before booking a trip there, be sure to the check the latest FCDO travel advice. Some areas of Egypt are listed under the 'advise against all travel' category – if you travel to one of these places your travel insurance will not be valid.

Do you need a visa for Egypt?

Yes, British passport holders need a visa before entering Egypt. You can buy one online before you go from Visa2Egypt, which will be valid for three months, or at the airport on arrival, which will be valid for 30 days. They cost US$25.

Is Egypt classed as Europe for travel insurance?

Egypt is classed as part of Europe for Admiral Travel Insurance, so you’ll be covered with our European Travel Insurance.

Do you need injections for Egypt?

There aren’t any specific vaccinations for travel in Egypt if your routine vaccinations as recommended in the UK are up to date.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

Do I need vaccinations for Turkey?

The NHS Fit For Travel website recommends checking your primary courses and boosters are up-to-date, including a tetanus. You could also consider vaccinations against Hepatitis A, Hepatitis B, and rabies for your trip to Turkey. For more information, read our guide to travel vaccinations.

Is the GHIC/EHIC valid in Turkey?

No, the GHIC and EHIC don’t work in Turkey so you’ll need travel insurance in place or enough money to cover the cost of any medical treatment you receive.

Can you travel to Turkey with three months left on your passport?

The Turkish government advises you should have at least six months validity on your passport when you travel to Turkey. You should also have a full blank page for the entry and exit stamps.

Read more about Turkey’s entry requirements: Travelling to Turkey? Don’t forget your e-Visa.

Does travel insurance cover me for travel to Turkey with a pre-existing medical condition?

You can travel to Turkey with pre-existing medical conditions if you declare them when you’re buying your travel insurance. Find out more about travelling with medical conditions.

Do I need a visa for Canada?

British citizens don’t usually need a visa for short term travel in Canada, but you may need one if you’re staying for a longer period for study or work. Find out if you need a visa by checking the Canadian High Commission website.

If you’re flying into Canada, you’ll need an electronic travel authorisation (eTA), and you won’t be allowed on your flight without one. Find out more about the eTA and apply online by visiting the official Canadian government website.

Do I need travel insurance for Canada?

It’s not compulsory to have travel insurance when travelling in Canada, but it’s definitely worth having. Could you afford to pay for medical treatment or replace lost luggage out of your own pocket if the worst were to happen?

How much time do I need on my passport to visit Canada?

As long as you have enough time to cover the duration of your stay, you’ll be fine. You don’t need any additional time on your passport when travelling in Canada.

Does my travel insurance cover me to drive in Canada with a UK licence?

You can drive a car in Canada if you have a full UK licence, but you should always carry your licence with you. Some car hire companies require you to have an International Driving Permit, so check with your car hire company before you travel. You should also take out full insurance to make sure you’re covered, as your travel insurance won’t cover you.

What are the requirements to enter Canada?

British citizens don’t usually need a visa for short visits to Canada – you’ll need an Electronic Travel Authorisation (eTA), which you must apply for before you travel. To find about more about the eTA and apply online, visit the official Canadian government website.

Do I need any vaccinations for travel to Canada from the UK?

If your routine vaccinations as recommended in the UK are up to date, you don’t currently need any other vaccinations when travelling to Canada – although you should check if you need a rabies booster.

For more information on where, when and how to get vaccines, take a look at our guide to travel vaccinations.

Is travel insurance mandatory for Canada?

You don’t have to have travel insurance for Canada but it’s a good idea to make sure you’re covered if you fall ill or have an accident when travelling there. Medical care in Canada can be expensive, and the average cost of medical procedures is £14,615 – find out more in the cost of getting ill abroad.

Can I travel to Canada if I have a pre-existing medical condition?

You can travel to Canada if you have a pre-existing medical condition as long as you declare it when you’re buying your cover. Read more about travelling with medical conditions.

Do you need special travel insurance when pregnant?

Admiral single trip and annual travel insurances cover pregnancy and you won’t pay more for your cover as it’s not considered a pre-existing medical condition. You’ll get the standard cover for things like:

  • Lost luggage
  • Travel disruption
  • Lost or stolen belongings

But we’ll also cover the costs of any emergency medical treatment you receive as the result of complications during your pregnancy.

Does travel insurance cover medical expenses?

You’ll be covered up to the limits shown on your policy for any reasonable, necessary costs relating to emergency medical, surgical and hospital treatment. This doesn’t include treatment in a private facility, or anything carried out in your home country after returning home.

Can you get travel insurance with COPD?

COPD is a pre-existing condition and must be declared when buying your insurance.

Can you get travel insurance with cancer?

Cancer is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with HIV?

HIV is one of the pre-existing conditions you need to declare when buying your insurance.

Can you get travel insurance with epilepsy?

Epilepsy is one of the pre-existing conditions you need to declare when buying your insurance.

Does having a pacemaker affect travel insurance?

If you have a pacemaker, it’ll need to be declared to us when you take out the policy (or when you have it fitted if this is done after you’ve taken out the policy). You can still get travel insurance with a pacemaker.

Why do I have to provide my medical details to get a quotation?

Declaring your medical details will ensure you are buying a policy which meets your needs. It’s important you supply accurate and complete answers to all questions as failure to do so could mean your policy is invalid and/or your claim is not paid in full or refused.

Can I take out insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care?

Unfortunately Admiral is not able to offer cover in these circumstances, but there are other specialist insurers who may offer cover for travellers in the above circumstances.

What happens if I need replacement prescription medication when I'm abroad?

Please make sure you take enough medication to last your entire trip and include extra to allow for travel delays that may occur.

If you run out of prescription medication because you were unable to return home as planned because of illness or injury, we will pay for the cost of additional medication (a policy excess may apply).

If your medication is lost or stolen, we'll refund you the cost of replacing it (a policy excess may apply).

Do I need cruise insurance for a river cruise?

Our Cruise Travel Insurance covers you if you’re taking a sea cruise, but it’s not needed if you’re going on a river cruise. If you’re going on a river cruise, your standard travel insurance will cover you.

Are there any age restrictions for getting the cruise cover upgrade?

No, you can get this add-on at any age.

Can I get cruise cover for any part of the world?

Our travel insurance and upgrades cover pretty much everywhere in the world except for countries the Foreign & Commonwealth Office advises against 'all travel' or 'all but essential travel'. You can see the full list on the Foreign & Commonwealth Office website

I'm an expat, can I get the cruise cover upgrade?

No, in order to buy Admiral Travel Insurance and its upgrades you must be a permanent resident of the UK, travelling from and returning to the UK.

Am I insured if I take part in excursions and water sports during my cruise?

Your Admiral Travel Insurance policy covers you for a wide range of sports and activities including jet skiing, parasailing, windsurfing and snorkelling. For the full list of activities we cover please see your policy booklet.

Can I get cruise travel insurance with a pre-existing medical condition?

You can get our Cruise Travel Insurance if you have pre-existing medical conditions, but you need to make sure you declare them all when you’re buying your travel insurance. Read more about travelling with medical conditions.

When should I buy travel insurance for a cruise?

It’s a good idea to buy your Cruise Travel Insurance as soon as you book your cruise. That way, if you have to cancel your cruise before you’re due to travel, you’ll be able to claim your costs back.

Do you need winter sports insurance for trips to Lapland?

If you plan on taking part in any of the activities listed above, such as husky sledge driving, you will need to add the upgrade onto your Admiral Travel Insurance policy

Are there any age restrictions for ski insurance?

We do not offer the upgrade to anyone over the age of 65.

Am I covered to ski or board off-piste?

You can go off-piste provided you go with a qualified guide or instructor and remain on recognised paths, within resort boundaries

Does winter sports cover me anywhere in the world?

Admiral Travel Insurance covers the UK, Europe and Worldwide - but there are places that we don't cover.

Your travel insurance won't cover you if you visit somewhere the Foreign, Commonwealth and Development Office (FCDO) advises not to. Information from the FCDO can be found at www.gov.uk/foreign-travel-advice or by calling 020 7008 1500.

What's covered if the piste closes?

We'll pay up to £20 per 24 hours for each day the pistes and ski lifts are closed in your resort due to lack of snow or bad weather (up to a maximum of £200). This can be used to cover travel expenses to the next open resort or to compensate you if there are no slopes nearby.

Are all winter sports covered?

Our Winter Sports Upgrade covers the following activities: cross country skiing, dry slope skiing and snowboarding, glacier walking/trekking, husky sledge driving, ice hockey, mono-skiing, snowmobiles, sledging, snowshoeing and tobogganing. If you want to take part in an activity not on the list please call us on 0333 234 9913 to discuss.

Am I covered if I’m injured on the slopes and not wearing a helmet?

You won't be covered for any head injuries that happen on your winter sports holiday if you weren't wearing a helmet. We always recommend wearing a helmet for winter sports.

Are lift passes covered?

Unused lift passes due to illness or injury are covered but you can't claim for lost or stolen lift passes

Is mountain and helicopter rescue included?

Yes, our add-on covers mountain and helicopter rescue in the event of injury or illness; search and rescue isn't covered.

Do under 18s need ski insurance?

Yes they do, you can add a child onto a parent or guardian's cover. Take a look at our Family Travel Insurance page for more information.

Can seasonaires buy the winter sports upgrade?

While there's no restriction on seasonaires buying our cover, the add-on's limited to 17 days in total so we couldn't cover a seasonaire for the entire season.

Can you get winter sports insurance for over 70s?

Our winter sports travel insurance upgrade covers people up to and including the age of 65. Anyone 66 or older won't be covered.

What does winter sports travel insurance cover?

Our winter sports travel insurance upgrade covers:

  • Lost, stolen or damaged ski equipment
  • Piste closure
  • Delay caused by avalanche
  • Replacement equipment hire

You’ll also get all the benefits of the standard travel insurance you bought – our winter sports upgrade gives you extra cover for when you’re skiing or snowboarding.

Can I take out a family winter sports insurance policy?

Absolutely – we offer family holiday insurance for families living at the same address. This can be parents, step-parents, grandparents, aunts, uncles, cousins and children under 18.

You can add up to two adults and a maximum of five children to the cover. Simply add on our winter sports upgrade for cover on the slopes.

Do I need travel insurance for skiing in Bulgaria?

Yes you’ll need to add our winter sports upgrade onto our European Travel Insurance for any skiing holidays in Bulgaria.

Can I cancel my trip because I'm worried about Coronavirus?

You can cancel, but you won’t be able to make a claim through your travel insurance. Travel insurance won’t cover customers for "disinclination to travel" i.e. not wanting to travel.

My travel is essential – am I covered?

There is no cover under any section of our policy if you travel to a country or area where the Foreign, Commonwealth and Development Office (FCDO) advises against ‘all travel’ or ‘all but essential travel’. If you’re not sure if there’s advice against travel for your destination, please check the FCDO website.

I’m unable to travel or need to return home early due to travel restrictions such as lockdowns or to avoid quarantine rules imposed by the UK government or the country I’m visiting. Am I covered for cancelling or cutting short my trip?

There’s no cover for costs incurred for cancelling or cutting short your trip because of general travel restrictions, quarantine rules imposed upon arrival or return in any country or the financial impact of needing to quarantine such as loss of earnings.

Am I covered if the country I'm due to travel to refuses me entry or imposes travel entry requirements?

There’s no cover for cancelling or cutting short your trip if you’re refused entry to your destination or because you don’t meet the country's entry requirements including any health requirements. Please refer to your policy terms and conditions. 

You should speak to your travel provider as they may be able to help you, and you should continue to monitor the FCDO advice.

The airline/tour operator I booked with have gone into administration – what should I do?

Unfortunately, we won't cover claims due to the actions or failure of any company providing or organising your transport or accommodation, to provide those services (whether caused by error, insolvency, bankruptcy, liquidation, omission, default or other reason).

If you have not yet travelled and you had flights arranged as part of a package holiday you'll have ATOL protection, meaning you'll either be reimbursed or the company you booked with will find alternative flights.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.  

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you're already abroad, you should either contact your tour operator, if the flights were booked as part of a package, or you'll need to arrange a new flight to return home and pay for the new ticket. You should then seek a refund for the cost of the original flight, using one of the above methods.

ABTA has more information.

I've booked an event, excursion and/or a tour but they've been cancelled by the provider due to the Coronavirus. I won't be able to do all the things I intended, so the holiday isn’t what I originally booked. Can I claim?

You may find that some of your planned excursions or tours have been cancelled. As these have been cancelled by the provider, you should seek a refund from them directly.

If the reason you’re travelling is for an event that’s since been cancelled, you won’t be able to make a claim for cancelling your whole trip for this reason. 

If you paid for a service directly with your debit or credit card, and the retailer hasn't provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.

New customers: I want to buy a new travel insurance policy

How does Coronavirus affect my cover?

Your travel insurance policy has a general exclusion for Covid-19 and anticipated events. We’ll provide cover for Emergency Medical and Repatriation if you test positive for Covid-19 provided you aren’t travelling against FCDO advice and Cancelling or Cutting short your trip for the reasons specifically listed under 'Section 3: Covid-19 cover'.

Please refer to your policy documents for full terms and conditions.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later.  

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

There is no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential. There is also no cover for cancelling or cutting short your trip if the FCDO advises against 'all' or 'all but essential' travel due to Covid-19 before or during your trip (for example, the FCDO advises that travellers abroad MUST return home).                                                                                                                                                                     

You should speak with your travel agent, airline, hotel or accommodation provider as you may be able to reschedule your trip or get a refund.

If you’re on your trip, as long as the FCDO hasn’t advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. It is your responsibility to monitor the FCDO advice for any changes.  

Please refer to your policy terms and conditions.

I was diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

If you test positive for Covid-19 within 14 days of your trip departure date and you’re required to quarantine or self-isolate, you can make a claim for cancelling your trip provided it was not an anticipated event. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate at the time of booking your trip, buying your policy or extending your cover.)                                                                                         

You can register a claim online. You’ll need to provide proof of a positive test from a registered medical practitioner. Please refer to your policy documents for full terms and conditions.   

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

There’s no cover if your close relative, travel companion or close business associate contracts Covid-19 before your trip. 

We’ll cover cancellation costs if your close relative (as defined in our policy wording) is hospitalised or dies within the 14 days prior to your trip departure date as a result of contracting Covid-19, provided it was not an anticipated event. (For example, you had no reason to believe they may have Covid-19 or they were not diagnosed with Covid-19 at the time of booking your trip, buying your policy or extending your cover). 

Please refer to your policy terms and conditions for full details.

I have been denied boarding on my prebooked outbound travel due to testing positive for Covid-19. Am I covered?

If you test positive for Covid-19 and this was the confirmed reason for being denied boarding, you will be covered for cutting short your trip, provided it was not an anticipated event.  

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate).                                                                                                                
You can register a claim online. You’ll need to provide proof of a positive test from a registered medical practitioner. Please refer to your policy documents for full terms and conditions.   

If I contract Covid-19 while on my trip, am I covered for medical treatment?

You’ll be covered for emergency medical treatment provided you didn’t travel against FCDO advice and it was not an anticipated event. (For example, you had no reason to believe you had Covid-19 when travelling or you did not travel against the advice of your GP). 

However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.                                                                                     
If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

General quarantine requirements imposed on a population or area are not covered.

If you’re unable to finish your trip as planned due to contracting Covid-19 and need to quarantine abroad, your cover will be automatically extended for you at no extra cost and we will provide cover as stated under Section 1: Emergency Medical and Repatriation until you can reasonably be expected to return home.

The cover will only apply if you did not travel against FCDO advice and the need to quarantine was not anticipated. (For example, it was not publicised before you travel, you had no reason to believe you had Covid-19 when travelling and you did not travel against medical advice.)

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.    

Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this is not the case you can submit a claim for consideration.
Associated costs such as loss of earnings due to your isolation are not covered.                                                                       

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country.

However, if you are unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.    

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself. 

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.   

If the flight is operating but you follow FCDO advice and do not travel, there is no cover for cancellation under your policy as per our Coronavirus general exclusion. You should contact your travel provider for a refund or to reschedule your trip.

My flight has been cancelled due to Covid-19. Am I covered?

There is no cover for this scenario. If your flight has been cancelled by your airline due to Covid-19, you should be offered an alternative flight or a full refund by the airline.

How can I make a claim?

Before submitting a claim, please refer to the relevant section of the FAQs for information about what's covered under your policy and follow the applicable steps below.

If you've booked your trip through a tour operator or agent, you're entitled to a refund from them. You can review the Travel Arrangements Regulations here.

If you paid for a service directly with your debit or credit card, and the retailer has not provided that service, you may be eligible to make a claim for a refund through your credit card provider under Section 75 of the consumer Credit Act or through a chargeback scheme for debit cards.

Section 75 applies to payments between £100 and £30,000. The benefits of claiming from the card provider are that you’ll be able to claim the full costs of your booking, for all people in the booking, and won’t have to pay an excess or be restricted by cover limits.  

The terms of your policy cover you for irrecoverable losses, so before we can consider a claim you'll need to contact the card provider (if eligible), to request a refund.

If you’re unable to recover some or all your costs, you can register your claim online or by calling 0333 234 9914.

Please only register your claim if you’ve:

  • Returned from a trip and need to claim 
  • Had a trip cancelled and you’re due to travel within the next 30 days and your airline, tour operator or accommodation provider won’t reimburse your costs or make alternative travel arrangements for you

If you’re abroad and have a medical emergency (hospital treatments likely to incur medical expenses over £500) or need to cut short your trip, please call our 24-hour emergency assistance helpline on +44 292 010 7777.

Once your claim has been registered, we'll be in touch to ask for: 

  • Confirmation of the original booking, and which parts are non-refundable 
  • Evidence you’ve tried to get your money back through the airline, tour operator or accommodation provider 
  • Other supporting evidence relevant to your claim

Existing customers: I bought or renewed my policy and I booked my trip before 17 March 2020 and the trip was not rescheduled

How does Coronavirus affect my cover?

If you bought your travel insurance and booked (or re-booked) your trip before 19:30 on 17 March 2020, you are covered as per your policy terms and conditions.

Am I covered if the Covid-19 pandemic status is removed by the WHO and the FCDO travel restrictions are lifted? 

You can submit a claim for consideration for irrecoverable costs related to Covid-19 as per your policy terms and conditions.  

What if the Covid-19 pandemic status is still in place but the FCDO lifts and then reimposes travel restrictions? 

You can submit a claim for consideration for irrecoverable costs related to Covid-19 as per your policy terms and conditions.

Am I covered if Covid-19 is no longer considered a pandemic and is then re-declared a pandemic in the future?

You can submit a claim for consideration for irrecoverable costs related to Covid-19 as per your policy terms and conditions. 

What if the FCDO changes its advice to 'against all travel' or 'all but essential travel' for my destination while I am on the trip?

As long as the FCDO have not advised travellers at your destination to come home, you'll still be covered as normal under your policy terms and conditions while you continue your trip. We'll only cover the additional cost of cutting short your trip up to your policy limits where the FCDO advises that travellers already abroad MUST return home as soon as possible. It's your responsibility to monitor the FCDO advice for any changes.

Will I be covered for medical treatment if I catch Covid-19 abroad?

Provided you didn’t travel against FCDO advice, you had no reason to believe you had Covid-19 when travelling and you did not travel against the advice of your GP, your medical costs should be covered. However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can help you get the help you need.  

I've been diagnosed with Coronavirus before I travel; can I cancel my trip?

Yes, you should be able to cancel your trip if you’re declared not fit to travel by a doctor.

Please call us to register a claim, you’ll need evidence from your doctor to support your claim. 

I am due to travel to an area where the FCDO has advised against travelling due to Covid-19. I want to cancel my trip. Can I make a claim?

Get in touch with your travel agent, airline, hotel or accommodation provider, and ask for a refund. If they don’t allow a refund it may be possible to reschedule your trip.

If you are unable to recover any, or all your expenses, you can submit a claim with us for consideration.

To submit a claim on your travel insurance policy you will need to evidence that all the above has been completed and provide documentation.

If I'm quarantined during my trip or on my return to the UK because of Covid-19, will my travel insurance cover me for costs incurred?

General government imposed quarantines are not covered. However, if you are quarantined due to medical reasons while abroad or on your return to the UK, as long as the need to quarantine was not anticipated  (i.e. you had no reason to believe you had Covid-19 when travelling or it was not publicised before you travel and did not travel against medical advice), your travel insurance will be extended to cover medical costs, until you can reasonably be expected to return home.

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.

 Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this is not the case you can call our claims department to submit a claim for consideration. Associated costs such as loss of earnings due to your isolation are not covered.

If I'm quarantined in the UK and subsequently need to cancel my trip, can I claim for trip cancellation?

If you’re quarantined by local government or law enforcement within the UK, you may be able to make a claim for trip cancellation if you’re unable to recover any or all your expenses from your travel agent, airline, hotel or accommodation provider. 

You’ll need to give evidence when registering your claim.

See ABTA's website for support and to understand your rights with ABTA.

What happens if I'm not allowed back into the UK after travelling if the UK goes into “lockdown”?

It's highly unlikely the UK would refuse to accept their own residents back, even if they're refusing entry to non-UK residents.

If flights were disrupted and you were unable leave a country after a lockdown, we'd advise you to to monitor the FCDO website to seek advice.

If you are unable to finish your trip as planned due to disruption to your flight that can’t be avoided, your cover will be automatically extended for you at no extra cost until you can reasonably finish your trip.

If you're travelling back to the UK, check the Public Health England advice for travellers returning to the UK from certain countries.

During this time Admiral can help cover costs of food through our travel delay benefit - £25 per day, per person, up to the limits of your policy.

If I’m stuck abroad due to the Coronavirus and can’t come home on my planned return date, will my travel insurance be extended to cover me until I can get home?

If you are unable to finish your trip as planned due to illness, injury or a delay to the public transport system that can’t be avoided, which includes your quarantine or flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably finish your trip. 

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself. 

During this time Admiral can help cover costs of food through our travel delay benefit - £25 per day, per person, up to the limits of your policy.

What happens if my travel provider advises my trip is going ahead but the FCDO travel restrictions are still in place? 

It's highly unlikely travel providers would arrange a trip against FCDO advice. If the flight is operating and you choose to travel against FCDO advice, there's no cover under our policy.

If the flight is operating but you follow FCDO advice and do not travel, you can submit a claim for cancellation if you cannot recover the costs elsewhere. You should first contact your travel provider for a refund or to reschedule your trip.

My airline has cancelled my flight, what should I do?

If your flight has been cancelled by your airline, you should be offered an alternative flight or a full refund by the airline. If your flight has been cancelled and there's no alternative available within 24 hours you may be able to claim for abandoning your trip.

I have had to pay an additional amount of money in order to reschedule my trip. Can I claim? 

Unfortunately not. There is no cover for additional costs incurred by you if you if you had to reschedule your trip. If a valid claim is made, we only would only cover the original amount paid. 

Will I be covered for the additional costs if I choose to return home early to avoid UK government quarantine restrictions? 

No, there's no cover for this. We'll only cover the additional cost of cutting short your trip up to your policy limits where the FCDO advises that travellers already abroad MUST return home as soon as possible. If the FCDO are advising people not to travel, but that those already abroad can finish their trip, then that wouldn’t be covered.

Existing customers: I bought or renewed my policy between 17 March 2020 and 21 May 2020 and I booked my trip on or after 17 March 2020 19.30

How does Coronavirus affect my cover?

Your travel insurance has a general exclusion for anticipated events. Trips booked on or after 17 March 2020 19:30 aren't covered against losses due to Covid-19. 

This applies to all sections of cover under our policy. Please refer to your policy documents for full terms and conditions. 

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later.  

NOTE: If you originally booked a trip BEFORE 17 March 2020 19.30 but the trip was rescheduled AFTER 17 March 2020 19:30, please contact us to discuss what is covered.

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

There is no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential. There is also no cover for cancelling or cutting short your trip if the FCDO advises against 'all' or 'all but essential' travel due to Covid-19 before or during your trip (for example, the FCDO advises that travellers abroad MUST return home). 

You should speak with your travel agent, airline, hotel or accommodation provider as you may be able to reschedule your trip or get a refund. 

If you’re on your trip, as long as the FCDO has not advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. It’s your responsibility to monitor the FCDO advice for any changes.

Please refer to your policy terms and conditions.

I've been diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

There’s no cover for cancellation as a result of having to quarantine in the UK due to contracting Covid-19. You should contact your travel agent, airline, hotel or accommodation provider. See ABTA's website for support and to understand your rights with ABTA.

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

There is no cover for cancellation if a close relative, travel companion or close business associate contracts Covid-19. You should contact your travel agent, airline, hotel or accommodation provider. 

I’ve been denied boarding on my prebooked outbound travel due to testing positive for Covid-19. Am I covered?

There is no cover for being denied boarding as a result of testing positive for Covid-19.

If I contract Covid-19 while on my trip, am I covered for medical treatment?

Your policy doesn’t cover this as standard, however you can submit a claim for consideration.

If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

Your policy doesn’t cover this as standard, however you can submit a claim for consideration. 

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country.

However, if you’re unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.    

If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself.

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.  

If the flight is operating but you follow FCDO advice and do not travel, there’s no cover for cancellation under your policy as per our Coronavirus general exclusion. You should contact your travel provider for a refund or to reschedule your trip.

My flight has been cancelled due to Covid-19. Am I covered?

There’s no cover for this scenario. If your flight has been cancelled by your airline due to Covid-19, you should be offered an alternative flight or a full refund by the airline.

Existing customers: I renewed my policy between 14 October 2020 and 22 May 2021 and booked my trip before 17 March 2020 19.30

How does Coronavirus affect my cover?

If you booked your trip before 19:30 on 17 March 2020 and it wasn’t rescheduled (or it was rescheduled before this date), you’re covered as per your policy terms and conditions.  

NOTE: If you originally booked a trip BEFORE 17 March 2020 19.30 but the trip was rescheduled AFTER 17 March 2020 19:30, please contact us to discuss what is covered.

Am I covered for cancelling or cutting short my trip if the FCDO advisory against travel remains in place or the FCDO changes its advice to against 'all' or 'all but essential travel' for my destination?

If the FCDO advice change occurs before your trip, get in touch with your travel agent, airline, hotel or accommodation provider, and ask for a refund. If they don’t allow a refund it may be possible to reschedule your trip.     

If you’re unable to recover any, or all of your expenses, you can submit a claim with us for consideration.

To submit a claim on your Travel insurance policy you’ll need to show that all the required steps in 'how to make a claim' have been completed and provide documentation.

If you’re on your trip, as long as the FCDO has not advised travellers at your destination to come home, you’ll still be covered as per your policy terms and conditions while you finish your trip. We’ll only cover the additional cost of cutting short your trip up to your policy limits where the FCDO advises that travellers abroad MUST return home as soon as possible.                                                                                                                                                 

It is your responsibility to monitor the FCDO advice for any changes.

Please refer to your policy terms and conditions.

I've been diagnosed with Covid-19 before my trip and must self-isolate/quarantine. Am I covered for cancellation?

If you contract Covid-19, you’re declared not fit to travel by a doctor and/or are required to quarantine within the UK, you may be able to make a claim for trip cancellation if you’re unable to recover any or all of your expenses from your travel agent, airline, hotel or accommodation provider.

You can register a claim online. You’ll need evidence from your doctor to support your claim. 

Am I covered for cancellation if my close relative, travel companion or close business associate contracts Covid-19 before my trip?

If a close relative, travel companion or close business associate contracts Covid-19, they're declared not fit to travel by a doctor and/or are required to quarantine within the UK, you may be able to make a claim for trip cancellation if you’re unable to recover any or all of your expenses from your travel agent, airline, hotel or accommodation provider.

You can register a claim online. You’ll need evidence from your doctor to support your claim. 

I have been denied boarding on my prebooked outbound travel due to testing positive for Covid-19. Am I covered?

If you test positive for Covid-19, you’re declared as unfit to travel by a doctor, and this was the confirmed reason for being denied boarding, you’ll be covered for cutting short your trip, provided it wasn’t an anticipated event.

Anticipated event: that which you knew could happen, or could reasonably have expected to happen, and you were aware of it when your insurance started, or the date you booked your trip, whichever is later. (For example, you had no reason to believe you may have Covid-19 or needed to take a test or self-isolate). 

You can register a claim online. You’ll need evidence from your doctor to support your claim. Please refer to your policy documents for full terms and conditions.   

If I contract Covid-19 while on my trip, am I covered for medical treatment?

You will be covered for emergency medical treatment provided you didn’t travel against FCDO advice and it was not an anticipated event. (For example, you had no reason to believe you had Covid-19 when travelling or you did not travel against the advice of your GP.) 

However, you must contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as you become unwell, so they can get you the help you need.

If I contract Covid-19 and am unable to come back to UK on my planned return date or am quarantined on my return to the UK, am I covered?

General quarantine requirements imposed on a population or area aren’t covered.    

If you’re unable to finish your trip as planned due to contracting Covid-19 and need to quarantine abroad, your cover will be automatically extended for you at no extra cost and we’ll provide cover as stated under Section 1: Emergency Medical and Repatriation until you can reasonably be expected to return home.     

The cover will only apply if you didn’t travel against FCDO advice and the need to quarantine was not anticipated. (For example, it wasn’t publicised before you travelled, you had no reason to believe you had Covid-19 when travelling and you did not travel against medical advice.)   

You should contact our Emergency Medical Assistance team on +44 292 010 7777 as soon as possible if you're put into quarantine or isolation so assistance can be offered if necessary.  

Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. You should speak to your tour operator or resort manager to arrange this. However, if this isn’t the case you can submit a claim for consideration. Associated costs such as loss of earnings due to your isolation aren’t covered.                                                                                                                              

If I’m unable to return home on my planned return date due to Covid-19 related travel disruption, travel restrictions or quarantine rules, am I covered?

Admiral can help cover costs of food through our travel delay benefit - £25 per day, per person, up to the limits of your policy. If you’re unable to finish your trip as planned due to a delay that can’t be avoided, which includes flight cancellation, your cover will be automatically extended for you at no extra cost until you can reasonably be expected to return home.      

There’s no cover for additional costs incurred due to Covid-19 related travel restrictions, travel disruption or quarantine rules imposed by any government or local authority on a population or area in any country. If your original return journey is delayed or cancelled, your travel agent or airline should help you find alternative transport, accommodation or arrange a refund. You may have to book another plane, train, coach or boat yourself.

The FCDO has advised against travel to my destination due to Covid-19 but my travel provider has advised my trip is going ahead. Am I covered for cancellation?

It’s highly unlikely that travel providers would arrange a trip against FCDO advice. There’s no cover under any section of your policy if you travel against FCDO advice, even if the trip is deemed essential.    

If the flight is operating but you follow FCDO advice and don’t travel, you can submit a claim for cancellation if you can’t recover the costs elsewhere. You should first contact your travel provider for a refund or to reschedule your trip.

You can register a claim online. 

My flight has been cancelled due to Covid-19. Am I covered?

If your flight has been cancelled by your airline due to Covid-19, you should be offered an alternative flight or a full refund by the airline.

If your flight has been cancelled and there's no alternative available within 24 hours you may be able to claim for abandoning your trip.

You can register a claim online

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View or make a change to your policy

You can view and make certain changes to your policy using the Travel Portal. If the change you'd like to make is unavailable, please contact us and one of our agents will be able to help you.

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Coronavirus & Travel Insurance guidance

For the most up to date information and guidance on Coronavirus and your Travel Insurance please visit our Coronavirus FAQ page.