Yes, you might be able to return home early if an immediate relative passes away. This depends on your policy’s terms and conditions, and you will need approval before ending your trip early.
When can I come home early?
Your policy covers you if you need to come home early because an immediate relative in your home country dies, is badly hurt, or becomes seriously ill.
You need approval before ending your trip early, even if it is for a covered reason.
What if my relative already had a medical condition?
If your immediate relative who is not travelling with you already had a medical condition, extra rules apply to you to be covered.
Their doctor must confirm that, when you booked your trip or bought your policy, it was unlikely their condition would get worse and cause you to cancel or shorten your trip.
If the doctor cannot confirm this, your policy will not cover the claim.
If you make a claim, the relative’s doctor must complete the medical certificate on the claim form.
Who counts as an immediate relative?
The policy definition includes your mother, father, sister, brother, husband, wife or partner, son or daughter, grandparent or grandchild.
It also covers certain in-laws, step-relatives, foster or adopted children, and your legal guardian.
Whether your claim is covered depends on your situation and your policy terms.
Please read your policy documents.
Eligibility, terms, and exclusions apply. Check your policy documents for full details.
This information is for general guidance only and is not medical advice.
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