This is general advice, it is not policy specific. Terms and conditions will vary from scheme to scheme
Q1. We are due to travel shortly but my wife probably has Swine Flu. Can we cancel our trip and claim reimbursement?
A. Yes – if you visited your doctor you will need to provide a medical certificate which confirms your condition, or if you contacted the National Pandemic Flu Service, you must provide your unique ID number together with the label on the prescribed anti-flu drugs which will include your name and the date of issue.
Q2. I had to self-diagnose Swine Flu based on my symptoms and NHS advice. Am I covered to cancel my holiday even though I do not have a firm diagnosis or confirmation of medical necessity from my GP?
A. Claims as a result of Swine Flu will require a doctor’s certificate confirming your condition or if you contacted the National Pandemic Flu Service, you must provide your unique ID number together with the label on the prescribed anti-flu drugs which will include your name and the date of issue.
Q3. Am I covered to cancel my holiday if the FCO has issued advice against travel?
A. No. You should contact your tour operator or airline.
Q4. Am I covered to cancel my holiday if I am concerned about travelling because of Swine Flu?
A. No. Disinclination to or fear of travel is not covered.
Q5. The airline refused to let me on board as they thought I had Swine Flu. Am I covered for cancellation costs?
A. The airline's medical officer will need to provide written confirmation of the reason for denial of boarding. If it transpires that you did not have Swine Flu your claim will be against them for "failure of service".
Q6. Whilst on holiday abroad my travelling companion caught Swine Flu. Can I remain with him?
A. The same terms and conditions should apply for Swine Flu as for any other medical condition. If the policy usually provides cover for a travelling companion to remain with them, then this would also apply in the case of an insured person being taken ill with Swine Flu if it is recommended by a doctor.
Q7. I am suffering from Swine Flu abroad. Am I covered for a friend or family member in the UK to travel out to be with me?
A. Cover would be provided subject to normal policy terms and conditions, which would generally provide cover for one person to stay with them or travel from the UK to escort them home if medically necessary and recommended by the treating doctor.
Q8. I was suspected of having Swine Flu and quarantined beyond my scheduled return date shown on my insurance. Is my cover still valid?
A. The policy would be extended until you return home and there would be cover under the policy for the costs associated with unexpected accommodation or hospital fees and the additional costs such as new flights etc. in bringing you home at the end of the quarantine period. This should be approved and arranged via the emergency medical assistance company shown in the policy.
View the FCO website here
WHO website here