Sri Lanka – what to do if you’re affected

Update 07/06/2019The FCO have updated their advice and no longer advise against all but essential travel to Sri Lanka. Therefore, if you do travel to Sri Lanka, any claims will be settled in line with our usual terms and conditions.


If your trip to Sri Lanka was booked and your policy was purchased prior to 21st April 2019, and it is necessary and you cannot avoid cancelling or cutting short your trip, you will be covered for:

  • Travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back, including any local prepaid excursions, tours or activities.
  • If you are already in Sri Lanka, we’ll cover any unused expenses in line with the above and any reasonable extra travel costs incurred such as any flight amendment fee to move your original return flight to an earlier date. If you have to organise separate flights these must be on an economy or equivalent basis and you should attempt to obtain a refund from the airline you were originally due to fly back with.

Please refer to the ‘Cancelling and cutting short your holiday’ section of your policy terms and conditions document for full details of the cover available to you and to the table of benefits for details of the maximum amount per person insured which we will pay up to for claims under this section of your policy.

If you purchased your policy, booked your trip or departed the UK from 22nd April onwards, there is no cover under your policy.

If you are unsure, you should act as if you are not covered and then submit a claim to us for consideration under your applicable terms and conditions.