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Find the right travel insurance for a region at risk from wildfires

We've reviewed the policy wording and IPIDs of leading travel insurers to assess how they cover you against wildfires. Review completed on July 31st, 2026.

Which travel insurance policies cover wildfires?

A review the travel insurance policies' cover for Cancellation, Early Return, Evacuation and alternative accommodation and Transport Disruption, and the obligations they place on the policyholder. Links to purchase are given for policies that offer sufficient cover.

Insurance policies and IPIDs were those publicly available from insurers, reviewed on July 31st, 2027. Policies from Admiral, Aviva, LV=, Post Office and Staysure were reviewed. Always review your policy wording before purchasing to check for wording updates and specific clauses.

Aviva

Aviva | Signature Travel Insurance

Match

Cancel or come home early and claim back up to £5,000 if fire affects your accommodation, the Foreign Office warns against travel, or a fire starts within 50 miles of your stay. Get Aviva's agreement before booking an early trip home.

Cover review

  • Cancellation · £5,000Fire at accommodation, FCDO advisory, or event within 50 miles
  • Early return · £5,000Covered for the same reasons as cancellation, including a fire within 50 miles
  • Evacuation and alternative accommodation · £5,000Pays if fire means you can't reach or stay in your accommodation
  • Transport disruption · £5,000 Pays if fire or natural disaster stops you reaching your departure point or accommodation

Obligations review

  • AuthorisationEarly-return costs must be authorised by Aviva before arrangements are made
  • Known events No cover for a fire that was already in the news when you booked or bought the policy
  • Undefined termThe policy doesn't say what counts as a "natural disaster", which the 50-mile cover depends on
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re

Admiral | Gold

Match

Fire of any size counts as a catastrophe, with up to £1,000 to move somewhere safer, stay on or get home, plus £25 for every 12 hours you're delayed. Cover stops once the local authorities say the area is safe.

Cover review

  • Cancellation · £5,000A Foreign Office warning issued after you book, even if it comes mid-trip
  • Early return · £1,000Fire of any size counts as a catastrophe under this policy
  • Evacuation & alternative accommodation · £1,000Pays to move you somewhere safer if your accommodation or the area around it is affected
  • Transport disruption · £250£25 for every full 12 hours a fire delays your journey

Obligations review

  • EvidenceYou'll need written confirmation from the local authorities if the fire wasn't widely reported
  • Safety confirmationCover stops once the authorities say it's safe to travel or stay
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re

Admiral | Standard

Potential gaps

You can cancel and claim if the Foreign Office warns against travel to your destination after you book. Once you're away, nothing pays to move you, put you up somewhere else or bring you home early if a wildfire disrupts your trip.

Cover review

  • Cancellation · £3,000A Foreign Office warning issued after you book, even if it comes mid-trip
  • Early return No cover to bring you home early if fire disrupts your trip
  • Evacuation & alternative accommodation No cover to move you or put you up somewhere else
  • Transport disruption Bad weather delays are covered, but the policy doesn't say whether fire or smoke count

Obligations review

  • Schedule check Catastrophe cover only applies if your policy schedule lists it, so check yours
Post Office

Post Office | Core Cover

Potential gaps

The paid Trip Disruption upgrade pays if a wildfire bigger than 50 square km strikes within 20 km of your accommodation. Without it you rely on a Foreign Office warning in the last 7 days, though hotel fire damage can still get you moved.

Cover review

  • Cancellation · £1,000With the upgrade: a wildfire within 20 km of your accommodation, if your trip starts within 14 days. Without it: a Foreign Office warning in the 7 days before you leave.
  • Early return · £1,000With the upgrade: a wildfire within 20 km of your accommodation while you're away
  • Evacuation & alternative accommodation · £750Fire damage to your hotel is covered as standard; the upgrade adds large wildfires (over 50 square km)
  • Transport disruption · up to £1,000No delay or missed departure cover on this level without the upgrade. With it: £500 for a missed departure, £20 per 4 hours delayed (up to £60), £1,000 if you give up on the trip

Obligations review

  • Wildfire size Only wildfires bigger than 50 square km count, even with the upgrade
  • Authorisation Contact the insurer before you book travel home early
  • Event date The insurer decides the official start date of the fire, which sets the 14-day cancellation window
Staysure

Staysure | Basic

Potential gaps

Cancel and claim back up to £500 if the Foreign Office warns against travel because of a fire. Anything once you're away, including £1,000 to move if fire makes your accommodation unusable, needs the optional Travel Disruption Extension.

Cover review

  • Cancellation · £500 A Foreign Office warning against travel because of a fire; limit can be increased to £4,000
  • Early return · £500 With the add-on: an official warning (Foreign Office, WHO or local authorities) that forces you home
  • Evacuation & alternative accommodation · £1,000 With the add-on: pays to move you nearby or bring you home if fire affects your accommodation
  • Transport disruption Delays are covered for bad weather, strikes and breakdowns, but not fire

Obligations review

  • Authorisation Get Staysure Assistance's agreement before travelling home early
  • Evidence You'll need written confirmation from your accommodation provider, the police or the local authorities
  • Timing The add-on only pays if the travel warning came after you booked or bought the policy
LV= logo

LV= | Premier

Potential gaps

Cancel and claim back up to £5,000 if the Foreign Office or another authority warns against travel after you book. Once away you're only covered to come home if told to leave the area, with nothing for somewhere else to stay.

Cover review

  • Cancellation · £10,000 A Foreign Office or other official warning issued after you book
  • Early return · £10,000Only if you're told to leave the area you're staying in, not just warned against travel
  • Evacuation & alternative accommodation · £1,000 Pays if a "severe natural disaster" stops you staying; fire isn't among the policy's examples
  • Transport disruption · £1,000 Covers missed departures and long delays, including severe bad weather

Obligations review

  • Evidence You'll need written confirmation from the authorities or your accommodation, unless the disaster makes that impossible
  • One route onlyIf the Foreign Office restricts travel, you claim to come home instead; you can't stay on and claim hotel costs