Policy Wording

As award-winning travel insurance providers 12 years in a row, we pride ourselves on being able to supply you with flexible, reliable and cheap travel insurance all which contain varying levels of cover that will suit your holiday plans — whatever they are.

Travel insurance and the FCDO

Holiday Extras now offers enhanced COVID-19 protect enabling you to travel to European countries where the Foreign, Commonwealth & Development Office (FCDO) advises against "non-essential" travel, as long as the advice is against all but essential travel solely as a result of COVID-19.

Cruise Travel Insurance

For policies purchased on, or after, 2nd August 2021

Standard cover

Click the link below to download the policy booklet which provides you with full details of the cover provided under your policy and all necessary terms and conditions:



Cruise cover

Our cruise policies differ slightly to the standard policies. If you have selected a cruise policy then click on the links below to download your policy booklet for more information on Cruise cover:




For policies purchased on, or after, 7th July 2021


Standard cover


UK Cover

If you've made the sensible decision to safeguard your holiday in the UK with a solid travel insurance policy, it's always best to have the fine-print of your policy available and to hand. Let's not ruin your trip to the Isle of Skye or St. Ives by not double-checking the fine print. Take a look below to download a copy of your policy booklet detailing the terms and conditions of your UK policy:



Cruise cover


Policy Levels

For policies purchased on, or after, 18th May 2021

Standard cover



UK Cover



Cruise cover


For policies purchased on, or after, 1st March 2021

Standard cover



UK cover



Cruise cover

For cruise policies purchased on, or after, 16th April 2021


For policies purchased on, or after, 3rd August 2020

Standard cover



Cruise cover


UK cover



For policies purchased on, or after, 1st July 2020

Standard cover



Cruise cover



UK cover



For policies purchased before 17th March 2020

The following Policy Wording documents are applicable for customers who purchased travel insurance before 17th March 2020.

Standard cover



Cruise cover



UK cover



Travel Disruption Add-On

To understand the full conditions of your Travel Disruption Cover, what you are covered for and any exclusions that may apply, please familiarise yourself with the policy wording of this add-on.



For any other questions please check out our FAQs.

Holiday Extras Cover Limited are authorised and regulated by the Financial Conduct Authority under registration number 828848, Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address, Ashford road, Newingreen, Kent CT21 4JF

Holiday Extras Cover Ltd is underwritten by White Horse Insurance Ireland dac is registered in Ireland No. 306045. White Horse Insurance Ireland dac’s Registered Office is First Floor, Rineanna House, Shannon Free Zone, Shannon, County Clare, Republic of Ireland. White Horse Insurance Ireland dac is authorised and regulated by the Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. The nature and extent of consumer protections may differ from those for firms based in the UK. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website, our FRN is 203320.