Q. In light of the recent FCO advice against all non- essential international travel for the next 30 days (from 17/3/2020), what is the position for trips that have been booked and are due to take place during that period?
A. Any overseas trips that are already booked and would be departing within the 30-day period may be cancelled as a result of the FCO advice and cancellation cover will apply. Trips that are already booked but scheduled to take place beyond the current period would not be covered for cancellation at this stage. If the ban is subsequently extended, the above position would apply to any additional period of banned travel.
As with any cancellation you would need to obtain any available refunds from tour operators, hotels, airlines etc and then submit a claim for the shortfall to us.
Q. What is deemed to be essential travel?
A. The FCO advises as follows:
Whether travel is essential or not is your own decision. You may have urgent family or business commitments to attend to. Circumstances differ from person to person. Only you can make an informed decision based on the risks.
Q. If FCO advice changes during a journey and a traveller remains overseas when the FCO advises against all/non-essential travel to that country, will the travel cover still operate?
A. Yes. If, however, the FCO advises travellers to leave the country and UMAL has agreed to offer curtailment, if the traveller elects to remain in place the travel cover would cease.
Q. If a traveller is stranded in a country due to travel restrictions imposed since their arrival, will the travel cover continue to operate?
Q. If a traveller has pre-booked tickets to return to the UK at the end of their journey and the flights are cancelled due to travel restrictions imposed by the local or international authorities, will the travel cover pick up additional costs incurred either to return to the UK or to extend their stay overseas until a return is possible?
A. Yes, although any extended stay would need to be reasonable and costs incurred would need to be less than the cost of travelling home by other means (where it is possible to do so).