You should be covered in most destinations if the country you’re going to is safe to visit. To check your destination is safe to visit, take a look at the FCDO’s travel advice. The FCDO’s advice can change at any time, so make sure you check it’s safe to travel before you set off. If the FCDO, World Health Organisation or local authorities have advised against ‘all’ or ‘all but essential’ travel to your destination, then it won’t be safe for you to travel there. If you travel against FCDO advice, your policy will become invalid and won’t cover you if you need to claim. Even if advice changes while you’re on holiday, you won’t be covered if your destination was listed as unsafe when you travelled.