Foreign & Commonwealth Office advice against travel

The Foreign & Commonwealth Office (FCO) supports British citizens overseas and provides up-to-date travel information on countries worldwide, letting travellers make informed decisions about their safety. If the FCO advises against travel to a particular country, or recommends you leave immediately, costs would be covered by your tour operator or travel insurance, provided the advice was issued after you took out a policy or booked the trip, whichever was later.

Independently booked breaks

If you’ve booked your holiday independently, i.e. not through a bonded tour operator, and you are abroad when the FCO, World Health Organisation (WHO) or a similar body officially recommends leaving that country immediately, Saga provides cover under the Abandonment section of your policy.

If you’re due to visit a country to which the FCO advises against all but essential travel, Saga will provide cover under your policy’s Cancellation section. This cover is only provided if the FCO advice is issued after you took out a policy or booked the trip, whichever is later.

This means up to £10,000 cover for any irrecoverable, unused pre-paid accommodation, car hire, excursions, parking or other pre-paid costs as well as any additional travel or accommodation expenses you incur after abandonment. To make a claim you need proof of pre-paid costs when you can’t obtain a refund, as well as receipts for additional accommodation and travel costs.

Holidays booked through a tour operator

If you’ve booked a holiday through a bonded tour operator and are due to travel to, or are already in, a country to which the FCO now advises against travel, contact your tour operator directly to make alternative arrangements. As this cost is recoverable you will need to approach your tour operator for refunds rather than claim from your travel insurance.

Important note: If you choose to travel to a country which the FCO has advised against visiting, your Saga Travel Insurance policy will not be valid for this trip. Check the current advice on a country by visiting Foreign and Commonwealth Office website.


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