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(including Covid-19, terrorism, natural catastrophes and airspace disruption)
Safeguard against rare but extreme events that could disrupt your travels. Add this option to your travel insurance policy for cover in the event of Covid-19, terrorism, natural catastrophes and airspace disruption
Our travel insurance already covers medical assistance if you’re injured due to a natural disaster, terrorist act or fall ill with Covid-19.
This optional extra provides more reassurance for other disruption they or airspace problems might cause. This includes delays due to unauthorised aircraft like drones. Terms and conditions apply
It’s simple to add all this extra cover for trip disruption when you get your quote. Terms and conditions apply
If a natural catastrophe or terrorist event happens within 20km of your pre-booked accommodation and within the 14 days before you’re due to leave, you can decide you don't want to go
If a terrorist event or natural catastrophe delays you by more than 12 hours on the outward leg of your journey from the UK, you can make a claim to cancel your trip
You’re covered against costs if you miss your scheduled departure from the UK. This might be due to terrorist activity or a natural catastrophe. Airspace problems, such as drones or computer failure. Or an event at your departure point that causes the closure or evacuation of your airport
If you miss a departure or connections outside of the UK because of a covered event, you can claim for your extra travel and accommodation costs. And if you’re stuck abroad (including in compulsory quarantine), we’ll pay between £50 and £100 per day for up to 10 days beyond your original return date
If a natural catastrophe or terrorism event happens within 20km of the accommodation you're staying in, you’re covered for any extra costs to get you home early and for the unused part of your trip. You’re also covered if you miss the rest of your trip due to self-isolation or compulsory quarantine due to Covid-19
If a covered event forces you to move to alternative accommodation that’s not supplied by your travel provider, we’ll cover the extra cost of somewhere of the same standard up to the sum insured
The table shows the maximum cover limits the trip disruption option offers for each of our cover levels. You can add trip disruption cover for an additional premium
|
Economy £125 excess Cancellation and cutting short your trip Up to £1,000 Missed departure from the UK Up to £500 Delay (per 4 hours/max) Up to £20/£60 Abandonment Up to £1,000 Additional transport Up to £350 Substitute accommodation Up to £750 Missed departure and connections outside the UK Up to £500 Additional daily benefit (per day/max) (1) Up to £50/£500 Change in Covid testing/quarantine requirements during the trip Up to £500 Additional Covid-19 test benefit Up to £150 |
Standard £99 excess Cancellation and cutting short your trip Up to £3,000 Missed departure from the UK Up to £750 Delay (per 4 hours/max) Up to £30/£90 Abandonment Up to £3,000 Additional transport Up to £450 Substitute accommodation Up to £1,000 Missed departure and connections outside the UK Up to £750 Additional daily benefit (per day/max) (1) Up to £75/£750 Change in Covid testing/quarantine requirements during the trip Up to £750 Additional Covid-19 test benefit Up to £200 |
Premier £50 excess 
Cancellation and cutting short your trip Up to £5,000 Missed departure from the UK Up to £1,500 Delay (per 4 hours/max) Up to £50/£150 Abandonment Up to £5,000 Additional transport Up to £550 Substitute accommodation Up to £1,500 Missed departure and connections outside the UK Up to £1,500 Additional daily benefit (per day/max) (1) Up to £100/£1,000 Change in Covid testing/quarantine requirements during the trip Up to £1,500 Additional Covid-19 test benefit Up to £250 |
|
|---|---|---|---|
|
Cancellation and cutting short your trip |
Cancellation and cutting short your trip Up to £1,000 |
Cancellation and cutting short your trip Up to £3,000 |
Cancellation and cutting short your trip Up to £5,000 |
|
Missed departure from the UK |
Missed departure from the UK Up to £500 |
Missed departure from the UK Up to £750 |
Missed departure from the UK Up to £1,500 |
|
Delay (per 4 hours/max) |
Delay (per 4 hours/max) Up to £20/£60 |
Delay (per 4 hours/max) Up to £30/£90 |
Delay (per 4 hours/max) Up to £50/£150 |
|
Abandonment |
Abandonment Up to £1,000 |
Abandonment Up to £3,000 |
Abandonment Up to £5,000 |
|
Additional transport |
Additional transport Up to £350 |
Additional transport Up to £450 |
Additional transport Up to £550 |
|
Substitute accommodation |
Substitute accommodation Up to £750 |
Substitute accommodation Up to £1,000 |
Substitute accommodation Up to £1,500 |
|
Missed departure and connections outside the UK |
Missed departure and connections outside the UK Up to £500 |
Missed departure and connections outside the UK Up to £750 |
Missed departure and connections outside the UK Up to £1,500 |
|
Additional daily benefit (per day/max) (1) |
Additional daily benefit (per day/max) (1) Up to £50/£500 |
Additional daily benefit (per day/max) (1) Up to £75/£750 |
Additional daily benefit (per day/max) (1) Up to £100/£1,000 |
|
Change in Covid testing/quarantine requirements during the trip |
Change in Covid testing/quarantine requirements during the trip Up to £500 |
Change in Covid testing/quarantine requirements during the trip Up to £750 |
Change in Covid testing/quarantine requirements during the trip Up to £1,500 |
|
Additional Covid-19 test benefit |
Additional Covid-19 test benefit Up to £150 |
Additional Covid-19 test benefit Up to £200 |
Additional Covid-19 test benefit Up to £250 |
Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance
Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023
Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023
Our travel insurance policies with premier level cover are Defaqto 5-star rated
Terrorist attacks can be indiscriminate. They don’t only occur in areas already steeped in conflict. While we hope no one is the victim of a terrorist attack, it’s important to have the right protection in place for peace of mind.
Terrorism cover enhances your existing travel insurance with cover:
And, should something happen to your baggage as a result of a terrorist act– we’ll cover this up to certain limits. This could be damage, loss or even your baggage not arriving at all.
Having cover for terrorist events doesn’t mean that you can travel to areas that the Foreign, Commonwealth and Development Office (FCDO) have advised against all travel to. Doing so will likely invalidate your insurance so always check the latest foreign travel advice. You’re still limited by the same rules governing travel safety as general travel insurance.
Nature is unpredictable. Extreme weather events are becoming more commonplace. And while natural catastrophes are more likely to happen in some regions of the world it’s impossible to know for sure when and where they’ll occur.
Our travel disruption add-on can bring peace of mind knowing 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.
It defines the following as natural catastrophes:
Natural catastrophe cover can provide reassurance you’ll be covered if such events:
Whether you need it depends how much you want to leave to chance and what extra reassurance you need. Especially if you’re travelling somewhere with a higher risk of natural catastrophes.
Airspace disruption can take many forms. They include:
While it's uncommon, airspace disruption can cause major delays. And its causes may not be obvious.
If you add our trip disruption option to your travel insurance it includes airspace disruption cover. If airspace closure lasts over 24 hours, your pre-booked travel and accommodation expenses are covered. And, if you’ve already left, it covers additional travel and accommodation expenses for every day you can’t reach your destination or get home (up to a limit).
Our standard travel insurance policies cover travel disruption due to Covid-19 in some circumstances. But you may want cover for other situations. You can pay a little extra to add it to your policy with our trip disruption option.
It covers missing a scheduled departure if:
It covers the unused part of your trip on your return if:
If regulations for your destination change while you’re there, you can claim for:
Some exclusions apply to our trip disruption cover. You’ll find full details in the policy wording.
We can’t cover you if:
Claiming compensation
If your travel is delayed or cancelled, you’ll need to try to claim compensation from all other relevant sources first before we’ll consider a claim. For instance, your airline or holiday provider.
Compensation for airspace disruption
If you're faced with airspace disruption, you'll need to exhaust all other avenues for claiming compensation before making a claim on your travel insurance policy. There are certain situations where airlines must give you compensation and some where it’s discretionary. So they should be your first port of call.
(2) By a medical practitioner, health authority or government body.
(3) Cover only applies to your immediate accommodation, not a mandatory quarantine applied to a wider geographical area around it.
(4) Providing you cut short your trip and fly home before the quarantine restriction comes into force.
(5) There is no cover if the UK government changes the quarantine requirements before your trip starts. Additional Covid-19 cover is not applicable for trips taken solely within the UK.
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Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.
The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).
(6) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:
365 days for those aged up to and including 70 years
90 days for those aged between 71 and 75
31 days for those aged 76 years and above