Who is this information for ?
The information on this page is valid for any policy purchased on or after the 8th September 2026
For policies purchased prior to 8th September 2026, please click here for more information.
Our policies do not provide cover to any country, or area of a country where the FCDO advises against all, or all but essential travel. For all other countries, or areas of a country without any advice against travel, cover will apply so long as your trip is otherwise within the terms of your policy. In particular, that your policy covers the entire duration of your trip, and that the country is within the area of cover you’ve purchased.
While we update this page on a regular basis, you should always check the latest advice using the FCDO advice links within this page, as advice can change at short notice.
At the time of last update to this page, our policies cover the majority of the middle east. Cover is based on the current FCDO advice, which you should always check before you travel.
No cover to Palestine
No cover to parts of Israel, Saudi Arabia
Links to check the current FDCO advice for other middle east countries include Bahrain, Kuwait, Jordan, Oman, Qatar, United Arab Emirates
At the time of last update to this page, travel to the normal tourist areas of countries near the middle east such as Turkey, Cyprus and Egypt are covered under our policies, however some areas (for example the border between Egypt and Israel) are not, so it’s important you check the relevant FCDO advice page carefully.
For countries where the FCDO advises against all, or all but essential travel, the following rules apply. So long as your destination isn’t one to which the FCDO advises against all, or all but essential travel you are still covered to travel under your policy, you’ll however have reduced cover under your policy during your connecting flight as follows:
As the Middle East conflict is a known event, no cover applies under the ‘Medical Emergency and Repatriation Expenses’ or ‘Personal Accident’ sections of your policy, unless you can prove the claim is entirely unrelated to the war or outbreak of hostilities in the middle east.
If you leave the airport during your connection you will not be covered under any section of the policy.
There is no cover under our policies if you need to cancel your trip due to war. If you choose to travel to an alternative destination, and it’s not already included in your area of cover, you’ll normally be able to upgrade your area of cover in your customer zone, or by contacting us.
Fuel Shortages: If your trip is disrupted by a fuel shortage, this is typically handled outside the policy as the airline or tour operator is legally responsible for rearranging your journey or providing a refund. However, cover may apply for irrecoverable costs under trip cancellation or delays as per the below ( Standard Delay, Abandonment, and Cancellation Cover)
Airspace Closures Linked to War: If the closure is linked to a war, conflict, or an outbreak of hostilities, absolutely no cover applies under any section of this policy.
Airspace Closures Due to Separate Issues: If the closure is caused by a separate, non-war operational issue (such as technical air traffic control failures or weather), cover will be considered under the standard policy benefits below.
Standard Delay, Abandonment, and Cancellation Cover
For valid fuel shortage or non-war airspace closure claims, if your flight is delayed or cancelled on your travel day and no suitable alternative is provided within 24 hours of your scheduled departure time, the following insurance cover may apply:
Trip Cancellation: Reimbursement for the non-refundable cost of cancelling your trip.
Trip Continuation : Cover for reasonable, additional accommodation and public transport costs to help you reach your destination if no alternative is offered within 12 hours.
If you become stuck abroad due to hostilities or warlike operations, then so long as you have a valid claim, your policy will automatically extend at no cost to you, so long as you take the first available flight offered to you, either by your airline or by the UK government, to get you home.
As the Middle East conflict is a known event, no cover applies under the ‘Medical Emergency and Repatriation Expenses’ or ‘Personal Accident’ sections of your policy, unless you can prove the claim is entirely unrelated to the war or outbreak of hostilities in the middle east.
