What you should do it you are travelling in, to or via the Middle East.

• Be aware of possible flight cancellations, periodic airspace closures and travel disruption.
• See Foreign Commonwealth and Development Office (FCDO) travel advice.
• See if you’re affected by a crisis abroad – GOV.UK. This includes advice on “how to prepare for a crisis” with suggestions on what you might include in your emergency supplies and “what to do in a crisis”
• Sign up to FCDO Travel Advice email alerts
• Follow advice from the local authorities
• Monitor local and international media for the latest information, including updates relating to airports and airspace that could close at short notice
• Stay away from areas around security or military facilities
• Keep your departure plans under review, and ensure your travel documents are up to date
• If you are advised to take shelter, stay indoors or find the nearest safe building or designated shelter. An interior stairwell or a room with as few external walls or windows as possible may provide additional protection. The greatest risk is from falling debris caused by intercepts, and you are safest inside a secure structure. Do not approach or touch any drone or missile fragments or unusual objects.

What you need to know about Travel Insurance

Travel insurance is a way to protect against unexpected events like illness, trip cancellations, or lost luggage.

When it comes to war and terrorism, travel insurance cover can be limited and often has exclusions and conditions. We may not cover some countries or areas because of security, geopolitical risks, sanitary conditions, or restrictions imposed by international authorities.

If you bought your policy on or after 24th September 2026

There is no cover for claims arising directly or indirectly from:

• War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.Cover is provided for:
  • Section 2 – Medical emergency and repatriation expenses, and
  • Section 6 – Personal accident

  unless the loss is caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.

• Your travel to a country, specific area or event when the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO) or regulatory authority in a country to/from which you are travelling has advised against all or all but essential travel (cover will be excluded under all sections) other than claims arising from new FCDO advice resulting in you not being able to travel or cutting short the trip before completion, as provided for under Section 1 – Cancelling or cutting short a trip, unless the advice is issued in relation to war, terrorism or a pandemic).
  
  If you are transiting through a country or area that the FCDO has advised against travel, your insurance coverage will not be affected when you arrive at your final destination, as long as there is no travel advice against your destination country.

If you bought your policy before 24th September 2026

Cancelling your trip

• Package trips:
  if the package provider has cancelled the booking you should speak to the tour operator to postpone the trip or arrange a refund.
• Non package trips, if you booked the trip and bought your insurance before 28 February 2026:
  You may be covered to cancel your trip if the FCDO or another regulatory authority advises against travel within 21 days of your departure.Before making a claim, you should speak to your travel and/or accommodation provider to claim a refund or postpone the trip. If they refuse a refund or you have other pre-paid charges cover can be considered.

If you choose to travel, there is no cover for any claims relating directly or indirectly from:

• War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not, civil war, terrorist action, rebellion, revolution, insurrection, civil commotion, civil unrest that resembles or is an uprising, military or seizure of power, nuclear, chemical or biological attack.
• Travelling to a country, specific area or event when the Travel Advice Unit of the Foreign, Commonwealth & Development Office (FCDO) or a regulatory authority in a country to/from which you are travelling has advised against all or all but essential travel to.For example, if you book a trip to an area the FCDO has advised against all or all but essential travel and that advice was in place when you booked and you have to claim, no cover will be in place.If you are transiting through a country or area that the FCDO has advised against travel, your insurance coverage will not be affected when you arrive at your final destination, as long as there is no travel advice against your destination country.