Yes cover for Natural Disasters applies automatically under your policy.
With Insureandescape, Travel Disruption Cover (TDC) is already included, so you’re automatically protected against cancellation, missed departures, delays, additional expenses, and uninhabitable accommodation caused by a natural disaster.
All cover is subject to your policy terms and conditions.
✅ Missed departure or delayed arrival benefit (per 12 hours delay)
✅ Trip cancellation / holiday abandonment, if all the following apply:
• You are already at the airport or departure point
• You were not aware of the natural disaster when buying your policy or booking your trip
• Your flight or public transport is cancelled or delayed
• No alternative is offered within 12 hours
• You choose to abandon your trip
✅ Reasonable additional expenses to make alternative travel or accommodation arrangements if your original transport is cancelled or delayed and you wish to continue your trip.
✅ Uninhabitable accommodation – covered for curtailment (ending your trip early) or relocation to alternative accommodation.
✅ Cancelled or delayed connecting flights.
✅ The FCDO advises against travel within 21 days before departure due to a natural disaster.
✅ Delayed longer than 12 hours or cancelled departure due to failure of public transport
✅ Emergency medical expenses and repatriation costs.
✅ If you are unable to reach your departure point due to a natural disaster.
✅ Uninhabitable accommodation due to a damage caused by a natural disaster— covered for curtailment or relocation to suitable alternative accommodation.
✅ The FCDO advises evacuation or return home during your trip.
If you experience any of the above-mentioned scenarios, your policy will automatically extend free of charge until you return home (as long as you’re returning on the next available flight).
✅ Missed connections, delayed, or cancelled connections are all covered as standard under your embedded Travel disruption cover.
We will not provide cover for circumstances known to you before purchasing your policy, or which could reasonably have been expected to lead to the cancellation or disruption of your trip.
If your flight is cancelled by the airline, they are legally required to offer either an alternative flight or a full refund, and to provide overnight accommodation until the alternative flight becomes available, under EU Regulation 261/2004.
Similar protections exist where your travel is via a pre-booked ferry or train, and the same process should be followed.
All cover outlined above is subject to your policy terms and conditions — please refer to your policy wording for full details.
