Booking last minute holiday insurance shouldn’t have an effect on what’s covered. You should be covered for medical care while abroad, lost luggage, disruption to travel plans and the loss or theft of personal belongings such as phones, cameras and money.
However, if you book last minute travel insurance and then need to cancel your holiday, your insurance provider is unlikely to pay out. Many providers will only cover cancellation if you’ve had the policy in place for a specific time period before you’re due to leave the UK. This is to stop people from taking out a policy at the very last minute because they know they need to cancel their holiday and they want to claim the money back.
Typically, insurance providers won’t accept your claim if:
- You’ve been refused travel by an airline for any reason
- You’ve ignored Foreign and Commonwealth Office and travelled to a country despite them advising not to
- You’ve failed to get a Visa or other documentation you require to visit a particular country
- You’ve broken the law of a country you’re visiting