Need help with FCDO advice, traffic light system or COVID cover? Find out more in our COVID Help Centre
15 months cover for the price of 12 - that’s 3 months extra
when you purchase an Annual Multi-Trip Travel Insurance policy. Terms and Conditions apply

Travel Disruption Insurance

Travel disruption insurance covers you for unforeseen events that can interrupt your holiday or stop you from going away.

Find out more below, and when you’re ready, get your quote online or over the phone today.

Get Quote

Thanks for making us No1
on Trustpilot

We've got more Trustpilot reviews rated 'Excellent' than any other travel insurance provider!
grandparents on beach smiling

Travel disruption: What is it and what am I covered for?

Travel disruption is an unforeseen event which affects your travel (to your destination, while you’re there, or back home) going ahead or being delayed.

Cancellation and cutting your holiday short

All of our travel insurance policies can cover you for cancellation or cutting your holiday short, up to your policy limits, if the Foreign, Commonwealth and Development Office (FCDO) has advised against all, or all but essential travel to your destination because of an unforeseen earthquake, fire, flood or hurricane.

By adding the optional Travel Disruption Extension to your policy, you can also be covered if you had to cancel (after the FCDO advised against all or all but essential travel) because of unforeseen volcanic eruptions, explosions, tsunamis, snow storm or food poisoning.

Our Travel Disruption Extension cannot cover you for any claims relating to pandemics or epidemics, such as covid-19.

Travel delay

Whatever travel insurance policy you buy, if your scheduled transport is delayed because of strike or industrial action, adverse weather conditions, failure of air traffic control or mechanical breakdown, you’ll be covered for travel delay. But if your transport is delayed for any other reason, you’d only be covered with the optional Travel Disruption Extension.

Get Quote

Why Choose Staysure?

Emergency medical cover abroad for COVID-19

Emergency medical cover abroad for COVID-19

24 hour medical emergency support

24 hour medical emergency support

Calls are FREE to our UK Contact Centres

Calls are FREE to our UK Contact Centres

We’ve given over 7m people peace of mind

We’ve given over 7m people peace of mind

Data covers 2005 to 2020

"...with Staysure you get much more than just peace of mind..."

Watch
Denise and Michael's story and see how we help
our customers

Should I declare my pre-existing medical conditions on my travel insurance?

You can declare your medical conditions through our online medical screening process, which is a straightforward set of questions for us to understand how your medical condition affects you. Or, if you prefer, you can complete the medical screening over the phone.

It’s important that all pre-existing conditions are declared on your medical travel insurance.

This will avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.

Policies that suit your needs

  • No upper age limit
  • Best Travel Insurance Provider 2019*
  • Rated as excellent by over 50,000 people on Trustpilot
  • Simple online quote process
  • Flexible cover options to suit your needs

What's Covered?

Basic Comprehensive
Medical emergencies and repatriation
Up to £5 million Unlimited
Cancellation
Up to £500 Up to £5,000
Cutting your holiday short
Up to £500 Up to £5,000
Baggage claims
Up to £300 Up to £2,500
Cash lost or stolen
Up to £250 Up to £500
Personal liability
- Up to £2 million
Legal protection cover
- Up to £25,000
End Supplier Failure
- £3,000
Excess
£85-£100 £65

What does travel disruption insurance cover

Cancellation or cutting your holiday short
The following can be covered up to your policy limits if the Foreign and Commonwealth Office (FCO) have advised against all, or all but essential travel to your destination because of the following unforeseen events:

Without optional Travel Disruption Extension With optional Travel Disruption Extension
Cancelling your holiday because of earthquake, fire, flood or hurricane
Cutting your holiday short because of earthquake, fire, flood or hurricane -
Cancelling or cutting your holiday short because of terrorist events and other natural disasters -

Travel delay
To be covered for travel delay, the reason/event must be unforeseen at the time you bought your travel insurance.

Without optional Travel Disruption Extension With optional Travel Disruption Extension
Irrecoverable unused accomodation costs or pre-paid charges -
Additional accommodation if you have to stay at your destination because of an unforeseen event -
Scheduled transport cancelled or delayed for more than 12 hours because of strike or industrial action, adverse weather conditions, failure of air traffic control or mechanical breakdown
Scheduled transport cancelled or delayed for more than 12 hours because of any other reason -
Basic Comprehensive
Medical emergencies and repatriation Up to £5 million Unlimited
Cancellation Up to £500 Up to £5,000
Cutting your holiday short Up to £500 Up to £5,000
Baggage claims Up to £300 Up to £2,500
Cash lost or stolen Up to £250 Up to £500
Personal liability - Up to £2 million
Legal protection cover - Up to £25,000
End Supplier Failure - £3,000
Excess £85-£100 £65

What does travel disruption insurance cover

Cancellation or cutting your holiday short
The following can be covered up to your policy limits if the Foreign and Commonwealth Office (FCO) have advised against all, or all but essential travel to your destination because of the following unforeseen events:

Without optional Travel Disruption Extension With optional Travel Disruption Extension
Cancelling your holiday because of earthquake, fire, flood or hurricane
Cutting your holiday short because of earthquake, fire, flood or hurricane -
Cancelling or cutting your holiday short because of terrorist events and other natural disasters -

Travel delay
To be covered for travel delay, the reason/event must be unforeseen at the time you bought your travel insurance.

Without optional Travel Disruption Extension With optional Travel Disruption Extension
Irrecoverable unused accomodation costs or pre-paid charges -
Additional accommodation if you have to stay at your destination because of an unforeseen event -
Scheduled transport cancelled or delayed for more than 12 hours because of strike or industrial action, adverse weather conditions, failure of air traffic control or mechanical breakdown
Scheduled transport cancelled or delayed for more than 12 hours because of any other reason -

Optional extras

100 Day Upgrade
Available on Comprehensive Annual policies only
If you’re 70 and under, you can extend your 50 day trip duration limit to 100 days for one trip.
Connecting Flight Cover
If you're taking more than one connecting flight to reach your destination or home, it's important you have our optional Connecting Flight add-on. This then extends your cover for connecting flights if cancelled or delayed.
Cruise Plus Cover
Available on Comprehensive policies only
Off on a cruise holiday? This covers things like not being able to dock at a scheduled port due to bad weather, and cabin confinement.
Excess Waiver
Available on Comprehensive policies only
If you need to make a claim, having an Excess Waiver means you won’t have to pay any excess from your own pocket for each item you’re claiming for. This can’t be added retrospectively and does not apply to Terrorism Cancellation, Car Hire Excess Waiver or Gadget cover.
Gadget Cover
Available on Comprehensive policies only
This cover is available for an unlimited number of gadgets for up to £1,000 for things like: accidental loss or theft, accidental or malicious damage, liquid damage, unauthorised call, text or data usage.
Golf Cover
Available on Comprehensive policies only
Cover your golf equipment, emergency equipment hire, non-refundable golfing fees and hole-in-one cover. Available when playing non-professionally only.
Single Item Cover
Available on Comprehensive policies only
This option increases your single item, Personal Baggage cover beyond the standard £400, up to £1,000. To do this you’ll need to describe the item you’re covering and Single Item cover can’t be added retrospectively.
Terrorism Cancellation Cover
Available on Comprehensive policies only
Be covered for choosing to cancel your holiday if there has been a terrorist act in the past 42 days within 40 miles of where you’re going on holiday. FCDO do not have to advise against travel in order to make a claim.
Winter Sports
Available on Comprehensive policies only
This add-on can help if you have a medical emergency while taking part in winter sports activities. It can also help reclaim expenses when you lose or damage your ski equipment as well as cover the costs of unused ski passes, piste closures and avalanches. Winter sports cover is already included as standard when you choose a Comprehensive Annual policy and covers you for two trips, up to a total of 21 days.
"Have used Staysure Travel Insurance for a few years. Have always found the staff friendly, helpful and courteous whether discussing a renewal or dealing with a claim. Would definitely recommend."
"Having used Staysure Insurance before they were my first choice when booking another trip. Very happy with the cover provided and how easy the website is to navigate. Would highly recommend."
"Very easy to find and go through quote and questions online. Price was better that the competition. Felt like I was human, particularly when answering questions on pre-existing medical conditions. Some other insurers make you feel that you are a third rate citizen because you have medical conditions."

* 2019 British Travel Awards
** “Has been declared an act of Terrorism by either the UK Government or the government of the country where the act occurred.”

†† Travel Disruption Extension is available as an optional upgrade to your travel insurance policy from £39 per person. ‘Government’ refers to FCO, WHO and Local Authorities. Terms & conditions apply.

Based on more Trustpilot reviews than any other travel insurance provider.