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Travelling against FCDO advice

To help you find cover most appropriate for your needs, we have partnered with two providers who can offer insurance to those who choose to travel against Foreign, Commonwealth & Development Office (FCDO) advice.

High Risk Voyager: Travellers aged up to 69, cover for some existing medical conditions

Travel Insurance is available to cover business trips and leisure holidays to destinations where the FCDO advise against "all but essential travel" Cover for leisure trips up to 31 days Covers destinations where the FCDO is advising against all but essential travel Covid-19 emergency medical expenses included Cover for some existing medical conditions

Travel insurance for travelling against FCDO advice is arranged and administered by Voyager Insurance Services Ltd.

High Risk Voyager is arranged and administered by Voyager Insurance Services Ltd. Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 305814). Registered address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB, UK.

battleface: Travellers aged 65 and under - no cover for existing medical conditions

battleface provides lean, flexible travel insurance and services that suit the needs of today’s travellers going to unconventional or challenging places. This includes destinations under government “Do Not Travel” or “Essential Only” advisories.

Travel insurance for tourists travelling against FCDO advice

Covers destinations where the FCDO is advising against all, or all but essential travel

Covid-19 for medical expenses is covered for travellers up to age 65.

Winter sports cover available

Please note: battleface do not provide any cover for existing medical conditions. This means all existing medical conditions, and anything related to them would be excluded from cover.

Customizable benefits include baggage cover, cancellation, business cover, medical treatment and evacuation and repatriation of mortal remains. Every product includes 24/7 Emergency Travel and Medical and Assistance services.

Travel insurance for travelling against FCDO advice is provided by battleface.

battleface insurance is provided in the UK by battleface Insurance Services Limited, a UK insurance intermediary authorised and regulated by the Financial Conduct Authority. Details provided on this webpage are for information only. Terms, conditions, exclusions, and limitations apply. Always read the description of cover contained within your policy to ensure it is suitable for your needs.

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Travel insurance with Covid cancellation cover: the right policies

By Sophie Butler

Purchasing travel insurance during the time of Covid can be overwhelming – will you be covered in case of cancellation, or do policies that offer medical assistance for Covid exist? Here, we break down the policies that offer Covid cover, plus what to look for in a travel insurance policy and whether your insurance is invalidated if the government advises not to travel. 

What is the best travel insurance with Covid cancellation cover?

Yes, here goes... Note though, all policies currently have restrictions on claims relating to Covid-19 and be aware that the situation is changing fast, so double-check the latest cover before you buy.

All Clear Travel Insurance ( allcleartravel.co.uk ): cover is available to people of all ages but particularly suitable for travellers with pre-existing medical conditions that other insurers are reluctant to cover.

Axa ( axa.co.uk ): this long-established, French-owned company is one of the largest insurers, providing a wide range of different policies geared to a variety of travel types.

Battleface ( battleface.com ): geared to individuals and groups with an emphasis on adventurous activities abroad and travel to remote destinations.

Campbell Irvine Direct ( campbellirvinedirect.com ): this insurer was established more than 45 years ago, and policies offer cover for travel to challenging and adventurous locations, including conservation and volunteer projects.

CoverForYou ( coverforyou.com ): competitively priced policies include winter sports and backpacker cover with enhanced silver, gold and platinum options.

Holidaysafe ( holidaysafe.co.uk ): catch-all travel specialist with a portfolio of ‘niche’ policies covering specific sporting activities including triathlon, sailing and cycling .

LV Travel Insurance ( lv.com ): one of the UK’s largest and longest-standing insurers, founded in 1843, offering single and multi-trip cover.

PJ Hayman ( pjhayman.com ): strong on customer care, with cover for medical conditions and hazardous activities plus round-the-world and gap-year travel.

Puffin Insurance ( puffininsurance.com ): annual or single-trip policies for customers aged 18-74, covering more than 75 different activities with numerous optional add-ons.

Trailfinders ( trailfinders.com ): policy automatically includes children up to 21 years, free of charge (note those aged 19-21 must be in full-time education).

Can I get travel insurance during Covid?

In a word, yes. Some companies (see list above) say they will still sell you insurance – including the crucial medical-expenses cover – provided the UK's Foreign, Commonwealth and Development Office (FCDO) doesn’t advise against all or all but essential travel. Check the current FCDO list for the latest advice. Some insurers will also offer cover for destinations on the red list , but in the current climate of uncertainty, rules governing travel to individual countries can change fast. Travel-insurance specialist Battleface has a useful country travel restrictions tool on its website to help people check the latest developments based on a variety of factors including destination and departure dates.

Why is travel insurance important?

If you have a trip booked and don’t yet have insurance, it’s important to buy a policy as soon as possible. That way, if anything changes – FCDO advice for example – you will already have cover in place. The problem with choosing the best policy is that everyone has different requirements – it may depend on your destination, the type of trip (are you doing lots of adventurous activities , for example?) and quite detailed, nerdy stuff such as ‘travel disruption cover’, which is particularly useful at the moment if you are travelling independently. There is no shortcut to checking through the key provisions of any insurance you are considering.

What should I look for in a travel insurance policy during the pandemic?

This is the key problem. Insurers are obviously jumpy about how exposed they are to claims both for cancellations because of Covid-19 and for medical treatment as a result of catching it while you are abroad. So all have added restrictions and exclusions into their policies. You need to check exactly what those are and make sure you understand the limitations of the cover.

Does travel insurance cover Covid cancellations?

If you already have travel insurance it will normally cover your cancellation costs if you, or one of your travelling companions, falls ill before departure and can’t travel – though you will need a medical report from your doctor to confirm this. Some policies – though not many – cover losses incurred if you have booked independently and have to cancel because of FCDO advice. Look for ‘travel disruption cover’ or ‘journey disruption cover’ in the policy details, which may or may not include disruption due to epidemics (see below for more information). If you are forced to quarantine in a hotel after visiting a red list country, this is unlikely to be covered by any insurance companies. If you are simply nervous of travelling and want to cancel – which is known as ‘disinclination to travel’ in the insurance industry – no policy will cover you.

So what use is travel insurance during the Covid pandemic?

The key value of travel insurance is the medical cover it offers while you are travelling. This will underwrite the cost of treatment and if necessary a hospital stay if you fall ill on holiday. But whether or not you are covered for accommodation costs if you are diagnosed with Covid-19 and have to enter self-isolation or quarantine while you are abroad varies by policy. Some insurers, however, will pay up if you need a new flight home in these circumstances. In short – it varies, so be sure to read the small print.

Is my travel insurance invalidated if the FCDO advises not to travel?

In normal times, travel insurers won’t provide cover to countries or regions where the FCDO advises against all but essential travel. Traditionally, these areas might include destinations such as Afghanistan, Iraq or Yemen, but in recent times it has included much of Europe too, with countries being regularly added to and taken off the UK's quarantine list. However, some insurers now offer affordable policies that are designed for travellers heading to these European destinations, which may be of use once the lockdowns start to ease. As ever, it’s important to read the small print. For example, policies are invalidated during a government-imposed regional or national lockdown in the UK.

Can I get insurance cover if I catch Covid abroad?

Some insurers will cover against coronavirus if the FCDO has listed your destination as safe to visit before you head off. Some offer cancellation cover if you’re diagnosed with Covid-19 within a fortnight of departure, including emergency Covid-related medical expenses while abroad and repatriation, as well as cover in the event of a travelling companion contracting the disease. And you can find insurers that offer cover for medical expenses resulting from Covid-19 for all destinations including countries under FCDO and government essential and non-essential travel advisories.

So what happens if my holiday is cancelled?

If you have booked a package with a tour operator and the FCDO advises against all but essential travel to your destination, your tour operator is obliged to cancel the holiday and offer you a full refund. They might also offer you an alternative holiday, or suggest you postpone travelling dates, but you are entitled to get your cash back. If you can afford to, consider postponing your trip rather than cancelling it completely, should your health or updated government advice mean that you can’t go away as planned. There are a lot of people out there relying on us to keep spending on travel, with around 10 per cent of the world's population earning an income that is linked to tourism. To learn more about how important this is, see our guide to why you shouldn't cancel your holiday .

What if I booked my trip independently?

Travellers who have booked, say, a flight and accommodation separately, normally have no right to a refund if they cancel unilaterally, even if the FCDO has since advised against travel. In practice, however, most airlines are cancelling flights and refunding passengers in this situation. A hotel or villa company doesn’t have to give you your money back – though it is obviously worth talking to them; they may allow you to postpone your stay.

Will my insurance cover me if my airline collapses?

It’s vital to make sure you pay for flights with a credit card (if you are booking a flight directly with the airline and it costs more than £100 you can claim your money back from the credit card company), and check that any tour operator you book with has up-to-date Atol protection – or can show that it has an alternative bonding arrangement in place.

Which websites should I check for the best travel insurance information and advice?

A good website that gives the latest figures for every country reporting cases of Covid-19 is worldometers.info . For the latest formal FCDO advice on every country in the world see gov.uk and search for travel advice. The best health advice is at nhs.uk .

Kimberly Grant

Olivia Morelli

Connor Sturges

Am I still covered by the EHIC scheme in Europe?

Yes and no. As of Thursday 31 December 2020, Britain left the EU, but anyone holding a valid EHIC (European Health Insurance Card) will be covered for state-supplied medical care while holidaying in Europe until it runs out. And while the EHIC card has been scrapped for anyone who doesn't currently hold one, it has been replaced by the very similar GHIC (Global Health Insurance Card).

Anything else I need to worry about?

Insurers have become very jumpy about pre-existing medical conditions in recent years because they add to the risk of expensive medical claims and cancellations. It is absolutely critical that you declare any conditions you may have when you buy a policy, otherwise – if you do need treatment while you are travelling – you may find your claim is refused.

Travel insurance for countries under FCDO advisories

To help you find cover most appropriate for your needs, we have partnered with two providers who can offer insurance to those who choose to travel against Foreign, Commonwealth & Development Office (FCDO) advice.  

Please note: These products will not cover you to travel unlawfully, for example if you are breaking lockdown laws.

Click on the links below to get a quote online, alternatively if you would like some help obtaining quotations please call us on 0330 024 9319 and our team will be happy to assist.

High risk voyager: travellers aged up to 69, cover for some existing medical conditions.

Travel Insurance is available to cover business trips and leisure holidays to destinations where the FCDO advise against "all but essential travel"

• Cover for leisure trips up to 31 days
• Covers destinations where the FCDO is advising against all but essential travel
• Covid-19 emergency medical expenses included
• Cover for some existing medical conditions

Get a Quote

Travel insurance for travelling against FCDO advice is arranged and administered by Voyager Insurance Services Ltd.

High Risk Voyager is arranged and administered by Voyager Insurance Services Ltd. Voyager Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority (Firm Reference Number: 305814). Registered address: Bankside 300, Peachman Way, Broadland Business Park, Norwich, Norfolk, NR7 0LB, UK. 

battleface: Travellers aged 65 and under - no cover for existing medical conditons

battleface provides lean, flexible travel insurance and services that suit the needs of today’s travelers going to unconventional or challenging places. This includes destinations under government “Do Not Travel” or “Essential Only” advisories.

• Travel insurance for tourists travelling against FCDO advice
• Covers destinations where the FCDO is advising against all, or all but essential travel
• Covid-19 for medical expenses is covered for travellers up to age 65.
• Winter sports cover available

Please note:  battleface do not provide any cover for existing medical conditions.  This means all existing medical conditions, and anything related to them would be excluded from cover.

Customizable benefits include baggage cover, cancellation, business cover, medical treatment and evacuation and repatriation of mortal remains. Every product includes 24/7 Emergency Travel and Medical and Assistance services.  

Travel insurance for travelling against FCDO advice is provided by battleface.

battleface insurance is provided in the UK by battleface Insurance Services Limited, a UK insurance intermediary authorised and regulated by the Financial Conduct Authority. Details provided on this webpage are for information only. Terms, conditions, exclusions, and limitations apply. Always read the description of cover contained within your policy to ensure it is suitable for your needs.

Do you need a Covid-19 test? 10% Off

Some countries require you to have a negative covid-19 test in order to gain entry.  You can find full details of entry requirements on the FCDO website.  Read the latest travel advice for up to date information >>

You may also need a Covid-19 test to end quarantine early as part of the government's Test to Release scheme.

If you do need to obtain a covid test, Rightangled can send a PCR swab test kit to your home, with the results available online in 24 hours. 

They are regulated by the Care Quality Commission and are on the government's list of approved test providers for the Test to Release scheme.

Get 10% off the cost by quoting YTC 10 when you purchase your test.

https://www.rightangled.co/products/covid-19-test

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If you have an existing policy and have a query or need to get in touch please contact us on 0330 024 9319 or email us at [email protected]

If you need to make a claim please use the contact details in your policy wording, or visit our claims page to find out more. Claims Information »

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Travelling Against FCDO Advice

Policies purchased from 10/12/2021 will continue to provide cover (including medical cover for COVID-19) if you decide to travel against the advice of the UK Foreign, Commonwealth & Development Office (FCDO), provided that the reason for your travel is essential.

Some permitted/essential reasons for travel are:

• Essential business travel which cannot be delayed
• Visiting your second home to prepare for guests for essential rental income / carry out maintenance where no one else can undertake the role etc.
• Caring for your grandchildren overseas where no local alternatives exist.
• Visiting elderly relatives to provide support/respite where medically necessary
• Visiting a close relative who is in intensive care in a hospital or has unexpectedly been given a terminal prognosis with a short life expectancy
• Funeral of a close relative
• Moving abroad for full-time short term placements
• IEC Visa (International Experience Canada)
• Volunteer / Educational trips /study abroad / taking part in a course
• Buying, selling or renting residential property
• Maternity services  where local services are not appropriate
• To avoid injury or illness or escape the risk of harm (such as domestic abuse).
• Weddings and civil partnerships of an insured or immediate family member
• Transit passengers
• To fulfill legal obligations
• To exercise custody rights

Big Cat Travel Insurance Services, a trading name of Flynow.com Ltd (registration No.FRN 745388)   is an Appointed Representative of Campbell Irvine Ltd (registration No.306242) who are authorised and regulated by the Financial Conduct Authority. You may check this on the Financial Services register www.fca.org.uk  or by contacting them on (0) 800 111 6768. © 2023 Big Cat Travel Insurance Services.  All rights reserved.

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List of automatically covered medical conditions that do not need to be declared

Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment for this in the last 2 years, Allergic rhinitis, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (the diagnosis must have been made when the affected person was under the age of 50, and the asthma be controlled by no more than 2 inhalers and no other medication), Blindness or partial sightedness, Carpal tunnel syndrome, Cataracts, Chicken pox - if completely resolved, Common cold or flu, Cuts and abrasions that are not self-inflicted and require no further treatment, Cystitis - provided there is no on-going treatment, Deafness, Diabetes (which is controlled by diet or tablets only), Diarrhoea and vomiting - if completely resolved, Eczema, Enlarged prostate - benign only, Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, Ligament or tendon injury - provided you are not currently being treated, Macular degeneration, Menopause, Migraine - provided there are no on-going investigations, Nasal polyps, PMT, RSI, Sinusitis - provided there is no on-going treatment, Skin or wound infections that have completely resolved with no current treatment, Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs.

Important information

If you have a medical condition in addition to any of the automatically covered medical conditions, all conditions will be excluded from cover unless declared to the medical screening helpline.

What is classed as a medical condition?

a Any respiratory condition (relating to the lungs or breathing), heart condition, stroke, Crohn’s disease, epilepsy, allergy, or cancer for which you have ever received treatment (including surgery, tests or investigations by your doctor or a consultant/ specialist or prescribed medication).

b Any psychiatric or psychological condition (including anxiety, stress and depression) for which you have suffered which you have received medical advice or treatment or been prescribed medication for in the last five years.

c Any medical condition for which you have received surgery, in-patient treatment or investigations in a hospital or clinic within the last 12 months, or for which you are prescribed medication.

Any premium for medical screening quoted can be paid directly. This can be done either before or after taking out a policy with us. The policy and medical extension connect automatically, no reference numbers need to be exchanged.

Choosing not to declare a medical condition will not invalidate cover, but any costs incurred in relation to an undeclared condition will not be covered.

If making a declaration all medical conditions must be declared, you can't choose to only declare certain conditions.

Medical conditions can only be declared for up to 12 months at a time. A second declaration will have to be made after 12 months if necessary.

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• Home     News     International Travel     Why Don’t All Insurers Cover for A Change in FCDO Advice?

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Why Don’t All Insurers Cover for A Change in FCDO Advice?

Consumer group Which? has recently highlighted that “complete” Covid-19 travel insurance is extremely limited within the market. While nearly all providers surveyed offered cover against medical and repatriation costs related to Covid-19, only two providers offered cancellation cover as a result of a change in Foreign, Commonwealth and Development Office (FCDO) or government lockdowns.

Which? found that the two travel insurance providers offering this cover – HSBC and Barclays – only offered this protection to bank account customers and could only be bought alongside other insurance products – therefore could not be bought by the general public.

Many people have been left wondering why the remaining 263 providers Which? reviewed do not offer cancellation cover due to changes in FCDO or government advice. And here’s why:

Most travel insurance policies do not offer cancellation cover due to a change in government advice related to Covid-19 as, in most cases, customers already have financial protection for this scenario available to them elsewhere.

For example, if the FCDO were to advise against travel to a specific holiday destination, as they have done in the past, tour operators would need to cancel all trips to that area and airlines would have to suspend flights travelling to that particular destination. Therefore, generally, customers would be entitled to request a full refund or ask to move their holiday to a later date.

If customers are unable to recover their money back through their tour operator or airline, they can also claim their money back through their bank account through a scheme called ‘Chargeback’, or via their credit card provider under ‘Section 75 of the Consumer Credit Act’ (as long as the holiday or flight was over £100).

Therefore, if insurers were to include this extra risk within their policy cover, they would need to charge the customer extra for it, and this would not be seen as offering fair value, as they would be paying an additional cost for protection that they already have available to them, for free, elsewhere.

Ellis Brown

15th June 2021

International Travel

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Great Value Annual Multi-Trip Travel Insurance cover to high risk destinations for less than £14* per month.

• Cover for unlimited trips to destinations where the FCDO advise against ‘all travel’ or ‘all but essential travel’ for 12 months
• Emergency Medical Expenses - Up to £1,000,000
• Emergency Medical Evacuation / Repatriation - Up to £1,000,000
• Cancellation Cover - Up to £1,500
• Baggage Cover - Up to £1,500

*Based on a Standard Annual Multi-Trip policy going to Zone C, for an individual under the age of 59.

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Annual Multi-Trip Travel Insurance - High Risk Voyager

Get Your Annual Multi-Trip Travel Insurance Today With High Risk Voyager!

4 Options available including: Enhanced Personal Accident Cover, Personal Liability & Legal Expenses Cover, Trip Interruption & Disruption Coverages Option, Optional Winter Sports Cover... see all

Why Choose Able2Travel?

• Specialists in travel insurance for people with existing medical conditions
• Full Cover available for 1,000s of conditions
• Instant cover by telephone or quick and easy online screening in a few minutes
• Great value cover also available for you and everyone travelling with you

Does your job require you to travel to hazardous locations more than once a year? Or maybe you have family relatives living in a hazardous location, and you intend to visit them multiple times a year? Instead of getting Single Trip Travel Insurance each time you travel, an Annual Multi-Trip Travel insurance may be the policy you need.

However, you may have experienced the difficulty that comes with trying to find suitable travel insurance that covers multiple trips including high-risk destinations. As many Travel Insurance companies are unwilling to cover travellers who are travelling to destinations where the UK Foreign, Commonwealth & Development Office (FCDO) has advised against ‘all travel’ or ‘all but essential travel’.

This is where High Risk Voyager Annual Multi-Trip Travel Insurance come in, as our policy is different from most other travel insurance policies. Our High Risk Voyager Annual Travel Insurance for multiple trips provides cover for destinations where the FCDO advises against travel.

Our High Risk Voyager Annual Multi-Trip Travel Insurance is an affordable way to get the financial protection you need in case you require emergency medical treatment whilst in high-risk destination. In addition, our Annual Multi-Trip policy offers a range of cover options for you to include in your High Risk Voyager Travel Insurance policy to enhance your protection on your trip.

Click the ‘Get a Quote’ button to buy your Annual Travel Insurance from High Risk Voyager.

Why Choose High Risk Voyager Annual Multi-Trip Travel Insurance?

High Risk Voyager Travel Insurance is a specialist solution designed in close consultation with leading international travel and medical insurance experts. As well as, with professionals operating on the frontline in the field of worldwide travel risk management, safety, and personal security in fragile environments.

Whether you are looking for an Annual Multi-Trip business Travel Insurance or a policy for your leisure trip, you can be assured of receiving a fast and competitively priced Travel Insurance solution for your travel plans. So, relax and enjoy your business trip or holiday with our High Risk Voyager Annual Multi-Trip Travel Insurance protecting your trip, should the unexpected happen.

What is Annual Multi-Trip Travel Insurance?

An Annual Multi-Trip policy is different from a Single Trip Travel Insurance policy, which only covers a one trip to a high-risk destination. An Annual Multi-Trip Travel Insurance policy on the other hand can cover an unlimited number of business or leisure trips within 12 months (in line with the policy terms and conditions), all for one price.

If you have bought multiple Single Trip Travel Insurance for each trip to high-risk locations before, you might find that it was more expensive to cover each trip individually. Having an Annual Multi-Trip Travel Insurance policy could help to save you money.

With our High Risk Voyager Annual Multi-Trip Travel Insurance, you can save valuable time since once you have selected your destination areas, and added any additional options you need, you have travel insurance cover every time you travel within the next 12 months.

Click on the “Get a Quote” button down below to buy a High Risk Voyager Annual Travel Insurance.

High Risk Voyager Annual Multi-Trip Travel Insurance Key Policy Benefits as Standard:

To help you choose the right Annual Multi-Trip Travel Insurance for your upcoming trip, we have created a short summary of what our Annual Multi-Trip Travel Insurance covers in the table below.

When choosing your Annual Multi-Trip Travel Insurance from High Risk Voyager, make sure you choose enough cover for the cost of your trip and how much baggage you are taking.

To view the full summary cover of High Risk Voyager Annual Multi-Trip Travel Insurance, please click here.

High Risk Voyager Annual Multi-Trip Travel Insurance Policy Features

With our High Risk Voyager Annual Multi-Trip Travel Insurance policy, we can offer cover for both leisure and business trips. The policy features table below will help you understand the features of our High Risk Voyager Annual Travel Insurance policies. 

Know Your High Risk Voyager Travel Insurance Zones!

The zones on High Risk Voyager Travel Insurance are determined based on the risk of visiting that country, such as political stability. It is important that you select the correct zone when buying your policy to ensure you have the correct cover in place. Click the button below to find out which zone your destination is in. 

Click Here to Know Your Zones

Looking for something to enhance your policy cover?

High Risk Voyager Annual Multi-Trip Travel Insurance gives you the ability to customise your Travel Insurance policy with additional add-ons including:

• Optional Enhanced Personal Accident – to increase the limit of cover and scale of benefits for Personal Accident.
• Optional Personal Liability & Legal Expenses – to include cover should you accidentally injure someone or accidentally damage a third-party property.
• Optional Trip Interruption & Disruption Coverages – provide cover if your trip gets disrupted by a volcanic eruption for example.
• Optional Winter Sports Cover – if your trip involves winter sports activities, such as on-piste skiing or snowboarding.

To add our options to your annual travel insurance policy, select the option you need in the quote process and pay the appropriate additional premium.

High Risk Voyager Snap-Shot Features

High Risk Voyager features a range of great benefits as standard. High Risk Voyager also features some great add-ons for you to tailor your policy - meaning you only pay for the additional cover you need.

• 24/7 Quick and Easy Secure Online Quote and Buy Facility
• ‘NGS SOS App Plus’ Emergency App & Pre-Travel Country Profile Information
• 24/7 Emergency Medical Assistance Helpline
• Available to purchase before or after departure
• Choice of 2 Levels of Medical+ Cover with up to £1,000,000
• Emergency Air Ambulance and Medical Evacuation Services
• Single Trip Policies for Trips from 1 day up to 365* days duration
• Annual Multi-Trip Policies, unlimited number of trips of up to 31 days each
• Includes participation in over 100+ leisure activities (non-professional)
• Choice of up to 5 Territorial Zones of Cover including war, crisis and disaster relief zones
• Individual cover with online discounts for Groups of 5+ Members purchasing together
• Discounts available for having taken recognised risk management, travel safety and personal security advice before departure
• + Lots more

More High Risk Voyager Details

At High Risk Voyager, we aim to provide travel cover to high-risk destinations when other Travel Insurance providers say no.

We can provide Travel Insurance for individuals or groups who are travelling to destinations that are considered to be high-risk or where the FCDO have advised against ‘all travel’ or ‘all but essential travel’. So, whether you're travelling to high-risk locations for business or leisure purposes, we can offer policies to you.

Many industries, such as Oil, Gas and Mining, operate in volatile locations of the world meaning that their staff will require a Travel Insurance policy that will cover them when they travel to these locations.

Similarly, people may need to travel to these areas for leisure purposes for example travelling to visit relatives or for an adventure tour.

For these reasons and many more, we developed High Risk Voyager after close consultation with risk management companies who specialise in advising companies travelling to these hostile locations and insurance industry experts, to help provide travellers to high-risk areas with the cover they need.

It's quick and easy to get a competitively priced quote with High Risk Voyager. With no long forms to fill in, just our simple online quote system, you can quickly and easily get your High Risk Voyager Travel Insurance quote. if you prefer, you can speak to one of our highly trained High Risk Voyager Travel Insurance specialists who'll provide you with a fast, friendly, and professional service.

Important Information for Customers with Serious Medical Conditions

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Foreign Office issues Turkey travel advice in a series of updated warnings

The Foreign Office has urged people heading to turkey to be careful.

• by Sophie Buchan
• 09:55, 2 May 2024

The Foreign, Commonwealth and Development Office (FCDO) are warning travellers to stay up-to-date with the latest Turkey travel advice after issuing fresh alerts.

Updating its website on May 1, the government body wrote on X: "Read our latest travel advice for Turkey with information on health, wildfires, crime, outdoor activities and adventure tourism."

It comes at a time where the FCDO is advising "against all travel to parts of Turkey," with tourists told not to visit three areas.

If you head to the areas, it cautions: "Your travel insurance could be invalidated if you travel against FCDO advice. Consular support is also severely limited where FCDO advises against travel ."

Where does the Foreign Office advice travelling against in Turkey?

Turkey-Syria border

FCDO advises against all travel to within 10km of the border with Syria due to fighting and a heightened risk of terrorism.

Sirnak city

FCDO advises against all but essential travel to Sirnak city.

Hakkari Province

FCDO advises against all but essential travel to Hakkari Province.

So what else do you need to know before heading abroad? Read below to find out.

Outdoor activities and adventure tourism

If you take part in an extreme sport, you should check that adequate safety precautions are in place with the FCDO warning that "British nationals have been injured and killed doing extreme sports".

Urging people to use "reputable operators" only, it added: "Make sure you are given full instructions and training before your activity. Make sure your travel insurance covers you for all activities you do."

If you are, for example, doing quad biking or going on mopeds, they say that it's an "extreme sport and carries the risk of serious injury or death" and before you take part, you need specific travel insurance to cover quad biking.

As for water sports, you should book activities at a licensed water sports centre. Before you start, you should:

• make sure the paperwork is completed
• ask for a safety demonstration
• make sure you know how to call for help

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You should follow local advice if jellyfish or urchins are present, it added.

The health section has detailed information about vaccinations and health risks as well as ensuing you have appropriate travel insurance for local treatment or unexpected medical evacuation.

The FCDO also discuss medical tourism, which is when people travel to have medical, surgical or dental treatment. Cosmetic surgery, dental procedures and cardiac surgery are the most common procedures for medical tourists, it advised.

You can read the latest information here .

Join the Daily Record's WhatsApp community here and get the latest news sent straight to your messages.

Wildfires and flooding

Under their 'extreme weather and natural disasters' section, the FCDO states: "Wildfires happen frequently in Turkey during summer."

If you see a wildfire, you should call the emergency services on 112.

It warns that you could get a fine or prison sentence for lighting a fire of any kind or discarding cigarettes in areas that are classed as risks such as in a woodland. Barbecues are prohibited in these areas too.

When it comes to flooding, it warns that severe rainstorms can result in flooding and landslides across Turkey which may damage roads and bridges. Some routes may become inaccessible making it difficult to travel.

If you’re in an affected area they urge people to monitor local media and follow instructions of local authorities, including evacuation orders.

You can read more about the weather here .

Viral £11.99 hand luggage bag saves on airline fees

A viral hand luggage bag that allows you to save money on extra airline fees has gone down a storm with travellers.

The Narwey 20 Litre Cabin Bag is a foldable travel bag that fits into the strict Ryanair guidelines for hand luggage. It measures 40cm by 40cm by 25cm, and is 20 litres deep.

Daily Record Trends Writer Nicola Roy recently tested out the viral bag on a Ryanair flight to Porto - and said it was a "better option than a suitcase".

"And after hearing rave reviews of the £11.99 Amazon Narway Cabin Bag , and how much could fit, I thought it was time to give it a go and see if it would suffice for a four-day trip so that I didn't have to fork out for extra luggage allowance," she said.

"As I started packing, I actually found it incredibly easy to fit everything in. The bag seemed to expand with each piece of clothing. By the time I had fit everything in, the bag was able to zip up with ease, and didn't even feel too heavy."

You can buy the Narwey Cabin Bag for £11.99 on Amazon here .

This article contains affiliate links, we will receive a commission on any sales we generate from it. Learn more

There are five sections in the FCDO's 'crime' information page with people being warned about s treet robbery and pickpocketing which is said to be " common in the major tourist areas of Istanbul."

Urging people to be aware of their personal belongings, it also urges people to stay alert when out drinking and eating as some food and drinks offered to you by strangers could be spiked. The Foreign Office also warns that accepting lifts from strangers could also be dangerous.

To find out more about these as well as counterfeit alcohol and sexual assault, visit its latest information page here .

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UK Issues Travel Advisory on Kenya; Here's Why

T he United Kingdom (UK) through the Foreign, Commonwealth & Development Office (FCDO) has issued an advisory to British nationals residing in Kenya providing advice on the risks of travel.

The advisory, FCDO noted in a statement on May 1, 2024, is aimed at helping British nationals make informed decisions in the midst of the ongoing heavy rains and recent incidents of terror attacks witnessed in different parts of the country.

The office listed areas where British Nationals are to avoid travelling to within Kenya, further warning that their travel insurance could be invalidated if they go against FCDO advice.

Among the areas listed include the Kenya-Somalia border where the office advised against all but essential travel to areas within 60km of the border due to on-going terrorism activity.

“In Eastern Garissa County, FCDO advises against all but essential travel to eastern Garissa County, up to 20km north-west of the A3 while in Mandera County, the office advises against all but essential travel to the County, excluding Mandera West subcounty,” reads the statement in part.

At the same time, travel to Lamu County was advised against excluding Lamu Island and Manda Island.

UK Travel Advisory

UK Nationals were asked to fly to Lamu Airport (a civilian airport on Manda Island) if travelling to Lamu Island or Manda Island and avoid travelling by road.

Also Read:   US Embassy Issues Security Alert in Nairobi Residential Areas

In Tana River County, UK advised against all but essential travel to areas of the County north of the Tana River, up to 20km north-west of the A3.

“Coast between the Tana River and Galana River, FCDO advises against all but essential travel to within 15km of the coast between the Tana River and the Galana (Athi-Galana-Sabaki) River,” reads part of the advisory.

Travel between the Jomo Kenyatta International Airport (JKIA) to Nairobi City was also highlighted with the UK advising on the use the Mombasa Road or the Nairobi Expressway.

According to FCDO, there is a higher risk of carjacking on the old airport road (Airport South Road) and Jogoo Road, which its nationals should avoid.

Also Read:   Australia Issues Travel Advisory on Kenya Over Terrorists Attacking Foreigners

At the same time the office noted that Mombasa Road can get very busy during rush hour, and check-in at the airport can take several hours.

“Allow plenty of time to get to the airport. A vehicle security check outside the airport may add to your journey time,” adds FCDO.

For areas located in North and North-east Kenya, the office warned that there have been increased reports of criminal activity linked to cattle rustling and banditry in the region from West Pokot (in the northern Rift Valley) east towards Isiolo county.

According to the UK, foreigners are not usually the bandit targets, but instead advised its nationals to take great care when travelling in the region.

Other regions highlighted

Other areas listed include Turkana, West Pokot, Elgeyo-Marakwet, Baringo, Laikipia and Samburu counties where FCDO advised UK nationals to follow local security measures and use caution.

While addressing recent cases of landmine explosions around Moyale, the office advised vehicles crossing the Kenya-Ethiopia border to stay on the A2 Road.

“Avoid staying at the rest house at Sololo – travel directly to Marsabit before breaking the journey,” the advisory adds.

The FCDO constantly reviews its travel advice for each country or territory to ensure it includes up-to-date information and advice on the most relevant issues for British people visiting or living there.

It covers a range of topics, including entry requirements, safety and security issues, health risks, details about local laws and information on the threat from terrorism.

The UK updates travel advice as quickly as possible if it is aware of an incident that might significantly affect British people travelling or living in a certain area.

Do you want to be part of an updated community without the interruptions of unwanted messages? Click the link below and join our WhatsApp Channel!

https://whatsapp.com/channel/0029VaB3k54HltYFiQ1f2i2C

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UK sanctions corrupt politicians in Uganda who stole from vulnerable communities

The UK has imposed sanctions on Ugandan politicians charged with corruption

• UK imposes sanctions on Ugandan politicians including the Speaker of Parliament following corruption charges for stealing from the poorest communities in Uganda. 
• This is the first time the UK has used the Global Anti-Corruption Sanctions regime on individuals involved in corruption in Uganda.
• New sanctions are part of the UK’s continued effort to crack down on serious corruption around the world.  

Deputy Foreign Secretary, Andrew Mitchell, has announced sanctions on high profile Ugandan politicians charged with corruption, and the Speaker of the Parliament of Uganda, today (30 April). 

It is the first time the UK government has used the Global Anti-Corruption Sanctions regime on individuals involved in corruption in Uganda.  

The three individuals, two of whom were previously ministers responsible for Uganda’s poorest region, Karamoja, and have been charged with corruption at Uganda’s Anti-Corruption Court, will be subject to travel bans and asset freezes. 

The two former ministers sanctioned – Mary Goretti Kitutu and Agnes Nandutu – stole thousands of iron sheets used for roofing and infrastructure from a Ugandan government-funded project aimed at housing some of the most vulnerable communities in the region, providing them to prominent politicians and their families instead.

The Speaker of the Parliament, Anita Annet Among, benefited from the proceeds.

Over 60% of people in Karamoja live in poverty and many suffer from the devastating impacts of drought and insecurity.

 Deputy Foreign Secretary, Andrew Mitchell, said:  

The actions of these individuals, in taking aid from those who need it most, and keeping the proceeds, is corruption at its worst and has no place in society. The Ugandan courts are rightly taking action to crack down on those politicians who seek to line their own pockets at their constituents’ expense.  Today the UK is sending a clear message to those who think benefiting at the expense of others is acceptable. Corruption has consequences and you will be held responsible.

 The three individuals sanctioned:  

• Anita Annet Among, who has been the Speaker of the Parliament of Uganda since 2022.
• Mary Goretti Kitutu, who was the Minister for Karamoja Affairs between 2021 and 2024.
• Agnes Nandutu, who was the State Minister for Karamoja Affairs between 2021 and 2024.  

These measures follow previous UK sanctions under the Global Anti-Corruption sanctions regime , which has targeted individuals involved in serious corruption cases across the world, including Bulgaria, Lebanon, Moldova, Russia, South Africa, South Sudan, and Venezuela. 

Since its introduction in April 2021, the UK has introduced sanctions on 42 individuals and entities under this regime globally to combat corruption across the world. 

An asset freeze prevents any UK citizen, or any business in the UK, from dealing with any funds or economic resources which are owned, held or controlled by the designated person and which are held in the UK. It will also prevent funds or economic resources being provided to or for the benefit of the designated person or entity 

A travel ban means that the designated person is an excluded person under section 8B of the Immigration Act 1971, and must be refused leave to enter or to remain in the United Kingdom (any leave given to a person who is an excluded person is invalid). 

Under the UK’s Global Anti-Corruption sanctions regulations 2021, individuals and entities anywhere in the world can be sanctioned for their involvement in bribery or misappropriation of property involving a foreign public official.  

This could include those who facilitate, profit from or try to cover up serious corruption, as well as making efforts to prevent authorities from carrying out justice for these actions. 

UK Aid was not involved in the Ugandan Government project.

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