Does travel insurance cover wildfires?

With suburbs of Athens, Greece currently experiencing wildfires caused by searing temperatures, many UK travellers will be wondering where they stand and whether they are covered if they decide to travel to areas that have been impacted.

Travel insurance is an insurance policy designed to protect you against unexpected events or costs that may occur while you are away. You are also likely to be covered for any emergency medical treatment that you may need, but are you covered in relation to extreme events such as wildfires?

In this article, we look at whether you can claim on your travel insurance policy for wildfires, what to do if you are affected by a wildfire and how to get cover for unexpected events in the future.

Does travel insurance cover wildfires?

Cover for natural events such as wildfires can vary between travel providers and you will need to ensure you check your travel insurance policy documents carefully to see exactly what you are and are not covered for. Staysure travel insurance*, for example, offers cover for wildfires whilst away on holiday plus cancellation cover if the Foreign Office advises against travel due to a natural disaster such as wildfire. In comparison, some other travel insurance policies won't cover you for natural disasters at all.

Additionally, travel insurance only aims to cover irrecoverable losses and so if you are able to receive compensation from your holiday provider or card provider first you may not be covered by your travel insurance policy. It is also worth reading your policy documents and contacting your provider to find out if you are covered before attempting to make a claim.

Travel insurance covers unforeseen events and therefore if you bought your policy after the wildfires started, it is unlikely that you will be covered.

What to do if you’ve booked a destination that is experiencing wildfires

If you have booked a holiday to a destination where there is a wildfire you will need to contact your tour operator separately for any travel disruption and guidance on whether it is safe to travel. It is also advisable to check the FCDO website which provides information on whether it is safe to travel to destinations abroad. It is unlikely that your travel insurance will cover you if you decide that you do not want to travel to an area affected by a wildfire especially if the FCDO has not advised against travel to the destination. In this instance, speaking to your travel operator may mean you can move your holiday fee-free or even cancel it altogether.

Using examples of what the travel companies TUI and easyJet were offering for customers directly affected by the wildfires in Rhodes in July 2023, it is likely that travel operators will offer compensation as a result of your affected holiday and it is unlikely that you will need to make a claim on your travel insurance policy. Travel insurance tends to be for irrecoverable losses and may be worth contacting if you are having trouble getting your money back from the travel or tour operator.

Can you claim on travel insurance for wildfires?

If you have had emergency medical treatment as a result of wildfires, it is likely that your travel insurance company will cover you for medical-related claims as usual however it is worth double-checking your policy documents to ensure your level of cover. If you have experienced disruption or are unable to travel due to wildfires, the amount of cover is likely to vary depending on your individual travel insurance provider and the type of policy that you have selected.

In most cases, you will need to contact your holiday provider or tour operator first before making a claim on your travel insurance as travel insurance only covers unexpected and irrecoverable losses which means other avenues will need to be explored first. When you bought your travel insurance policy can also affect your cover, especially if the wildfires were known to you before you purchased your travel insurance policy.

How to buy travel insurance that includes wildfire cover

The quickest and easiest way to purchase a travel insurance policy is via a comparison site such as Quotezone* or MoneySuperMarket*. This is because you can compare a number of policies at once to help you find the best deal for your circumstances. Our article, '5 ways to save money on travel insurance' has a number of tips on ways to save money when purchasing a travel insurance policy.

It is unlikely that cover for natural events such as wildfires will be highlighted in the initial comparison and you will therefore need to read the policy documents carefully to see if you are covered for travel disruption or natural disaster. Having this cover on your policy, however, does not always mean that you will be covered in the event of a claim and it is likely you will need to contact your travel or tour operator first.

It is worth noting that not all comparison sites are whole of market and so may not offer you the best deal on the market. Some travel insurance providers, such as Direct Line do not feature on travel comparison sites and so you would need to compare a quote with them directly. We summarise some of the best travel insurance providers on the market in our article, 'Best travel insurance in the UK'.

 

 

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