Am I covered for disruption due to natural disasters?

In the event that your travel plans are disrupted as a result of a natural catastrophe, such as a volcanic eruption or an earthquake, our Natural Catastrophe Cover offers you protection should you need to cancel your trip, or if you are stranded abroad, in the UK or on an international flight connection.

You must have purchased Natural Catastrophe Cover to be able to claim under this section of your policy. Please view our Policy Wording for full cover details.

We cover the following natural catastrophes:

• Volcanic eruption
• Flood
• Tsunami
• Earthquake
• Landslide
• Hurricane
• Tornado
• Wildfire

Below are some frequently asked questions which will help you if your travel plans are disrupted as a result of a natural catastrophe.

My outbound flight has been delayed due to a natural catastrophe, what should I do?

In the first instance, you should contact your airline as they may be able to offer you an alternative flight or reimburse you for the value of your flight.

If you are delayed by more than 24 hours then you can claim up to £6,000 per insured person, should you need to cancel your trip. Alternatively you can claim for reasonable additional expenses such as accommodation and food, that you incur during the first 24 hours that you are waiting to depart.

My flight has been cancelled, so I have decided to travel by an alternative means so I can still go on my holiday - do you cover additional costs for this?

If you have been delayed by 24 hours in the UK, we’ll pay up to £200 per insured person for the additional costs you incur rearranging your outbound travel to reach your destination.

I’m stranded abroad as my flight has been cancelled - can I claim for additional accommodation, food etc?

Again in the first instance, you should contact your airline.

If your return journey is delayed for more than 24 hours we’ll pay up to £150 per insured person for each 24-hour period you are delayed, up to a maximum of £750, to cover expenses you incur such as accommodation, food, cost of travel to an alternative point of departure or to alternative accommodation.

I’m stranded abroad and I need to make alternative travel arrangements to get me home - can I claim for this?

If your return journey is delayed by more than 24 hours and your airline, travel company etc is unable to make arrangements for your return journey within 72 hours, we’ll pay up to £2,000 per insured person for alternative travel arrangements to get you home.

I started my journey home, but now I’m stranded on an international connection – am I entitled to claim for expenses?

Again, the best course of action is to talk to your airline to arrange an alternative flight or reimburse you.

If you are delayed more than 24 hours, we will pay up to £150 per insured person for each 24-hour period you are delayed, up to a maximum of £750 to cover additional costs for items such as accommodation, food and drink.

I’m due to go on holiday in a few days time and there has been a natural catastrophe which may cause me some travel disruption - will I be able to claim if my trip is disrupted?

Yes you will be able to submit a claim. Please note that if you purchased your policy within 7 days of departure then the maximum benefit payable will be reduced by 75%.

I’m stranded abroad and my cat is in the cattery, can I claim for the extra charges that I have to pay?

If you are delayed more than 24 hours due to a natural disaster, you can submit a claim for cattery and kennel fees for up to £50 per day up to a maximum of £250.