You’re covered for cancelling or cutting your trip short if you fall ill with COVID-19 provided you did not know you had the illness or were not in the process of being tested at the time of booking your trip. You will need supporting documentation such as correspondence and medical records from your doctor or medical practitioner.

- Where eligible, you will be covered for your non-refundable costs providing that you haven’t been able to change your booking or get compensation from your tour operator, accommodation provider, airline, travel agent or other provider.

- You’re covered for Emergency Medical Expenses if you fall ill with COVID-19 whilst on your trip. This includes cover for any reasonable accommodation and/or travelling expenses as well as the cost of any necessary repatriation expenses to the UK.

- This cover is not provided, however, where you have travelled against the advice of the Foreign, Commonwealth and Development Office (FCDO), government or local authority or against medical advice.

What am I not covered for?

- You won’t be covered if you have to cancel or cut your trip short as a result of any travel restrictions such as a national or local lockdown or if the FCDO, government or local authority is advising against all (but essential) travel due to COVID-19 or any other epidemic or pandemic.

- You also won’t be covered where you need to claim for cancelling or cutting your trip short as a result of any need to self-isolate or quarantine.

- Any claims as a result of your airline or travel provider becoming insolvent or having an administrator appointed and being unable to provide agreed services are not covered.

- We won't cover you if you change your mind and decide you do not want to travel.

- You won’t be covered for any costs for COVID-19 tests prior to travelling.

PLEASE NOTE This is a travel insurance policy and not private medical insurance. This means there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.

Staycationplan is available to all persons resident in the United Kingdom (England, Scotland, Wales, Northern Ireland and Isle of Man).

This travel insurance is typically suitable for those people who wish to insure themselves when travelling for the benefits as shown in the policy wording. You may already possess alternative insurance for some or all of the features and benefits provided by this product. It is your responsibility to investigate this. We cannot provide you with any recommendations or advice about whether this product fulfils your specific insurance requirements.

You will be covered when you travel anywhere within the United Kingdom*

*United Kingdom / UK – means England, Scotland, Wales, Northern Ireland and the Isle of Man

When your booking is confirmed, you are legally bound to pay the accommodation provider if you have to cancel your holiday as well as losing your deposit. Staycationplan insurance is recommended just in case you fell ill, had an accident or were prevented from taking your holiday.

No medical screening is required under Staycationplan. However, please read the ‘Important – Medical Conditions’ which is shown in both the sales leaflet and Insurance Policy.

Further details of this service are shown in the Policy Wording.

PLEASE NOTE This is a travel insurance policy and not private medical insurance. This means there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.

Staycationplan is a trading name of Travel Insurance specialists P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority.

Staycationplan covers individual trips up to a maximum of 45 days long.

The underwriter for this policy is American International Group UK Limited (AIG).

The policy excess is £40 per party for cancellation and curtailment and £40 per person for medical repatriation & other expenses, personal possessions and personal money. There is a £100 excess under Personal Liability for damage to accommodation per party. The cancellation and curtailment and medical repatriation & other expenses excess is increased to £80 if the claim is due to an existing medical condition.

Yes, for an additional premium you can have the standard claims excesses (not the increased excess due to an existing medical condition) deleted. This is referred to as the ‘Excess Waiver’. 

If you purchase your policy online, your Schedule of Insurance and policy documents are available to download from your online account (you can create an account either before or after purchase).

If you purchase your policy over the telephone you can choose to have your documents sent by post or to your online account, whichever is your preference.

Any refund will be subject to you - not having already travelled or having made a claim.

Yes, if the cover does not meet your requirements, you can cancel the policy within 14 days of buying your policy or the date of receipt of your policy documents but before the departure date.

Your quotation will be valid for 31 days and is based on the information entered on our website. Should any information change, such as a change to your health, age, policy start date or new information that will result in a change to the original quote, a new quote will be given and the original will become invalid. This could result in a change of terms and/or an increased premium.

Yes, you can recieve 24-hour medical and repatriation assistance by calling the following phone number.

Tel. 01273 741 001

If you are more than 25 miles from Home and you need to be hospitalised for at least 48 hours following emergency in-patient treatment or you may have to return home early or extend your stay because of any illness or injury, please contact the Emergency Assistance Service. For full details of what to do in the event of a medical emergency please see page 3 of your insurance policy.

Further details of this service are shown in the Policy Wording.

For all information on how to make a claim, along with the relevant documents you will need, please see our claims page

There is no option to increase the limits of cover.

However, as the cost of the premium is based on the cost of the holiday, the amount of cancellation cover you need is completely up to you.