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You are here: Home > FAQ > Coronavirus(COVID-19) > Coronavirus(COVID-19) - Cancel My Policy

Cancel My Policy - Refund



What can I do with my policy if I am no longer travelling and have received a refund for my holiday?

In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to cancel your policy and refund you as described in your policy terms and conditions.

Automatic cancellation rights
You may cancel this policy within 14 days of receipt of the policy documents (new business) and for Year Round policies the renewal date (the cancellation period) by writing to the address shown in your schedule during the cancellation period. Any premium already paid will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.

Cancellation outside the statutory period
Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirm that there have been no claims on the policy and that you have not travelled, the following cancellation terms will be applied dependant on what type of policy you have purchased.

Trip Travel, Long Stay and Young Traveller policies
If we agree to refund, then we will refund 50% of the policy premium. If you have also paid an additional premium because of an existing medical condition, we will refund that portion in full.

Please note for policies issued in 2019 there is a £15 Admin Fee, as detailed in your policy wording. There are no Admin Fees for policies issued in 2020.

Year Round policies
For policies purchased in 2019 - If we agree to a refund, then we will refund 5% of the total premium (including any additional premium charged for an existing medical condition) you have paid, for each full calendar month remaining on the policy from the date of cancellation.
For policies purchased in 2020 - If we agree to a refund, then we will refund 1/12th of the total premium (including any additional premium charged for an existing medical condition) you have paid, for each full calendar month remaining on the policy from the date of cancellation.

Please note for policies issued in 2019 there is a £15 Admin Fee, as detailed in your policy wording. There are no Admin Fees for policies issued in 2020.

To cancel your policy for a refund – please email info@citybond.co.uk.

Accepted conditions

The following medical conditions are automatically covered and you do not need to tell us about them, as long as you:
  1. have no other pre-existing medical conditions which are not listed below
  2. are not awaiting surgery for the condition
  3. have been fully discharged from any post-operative follow-up
Please click here to read the Special Terms

Special Terms

In addition to any Medical Condition on the list above, you may be automatically accepted for cover, provided You do not have more than ONE of the following Medical Conditions or ANY other Pre-existing Medical Condition.


Arthritis (Arthromyalgia, Joint Pains, Juvenile Arthritis, Osteoarthritis, Psoriatic Arthritis, Reiter's Syndrome, Rheumatism, Rheumatoid Arthritis, Still's Disease, Synovial Inflammation):
 • There must have been NO hospital admissions within the last 12 months.
 • No more than 2 medications.
 • No mobility aids (other than walking stick or frame).
 • Must NOT be awaiting surgery.
 • Must have NO lung problems.

Down's Syndrome:
 • There must be NO associated conditions or complications (e.g. congenital heart disease, epilepsy, gastrointestinal abnormalities)

Hypercholesterolaemia (High Cholesterol):
 • No more than 1 medication.
 • Must NOT be the inherited form.
 • Must have been a non-smoker for at least 12 months.

Hypotension (Low Blood Pressure):
 • Must NOT be associated with any underlying condition.

Osteoporosis (Osteopaenia, Fragile Bones, Thinning Bones):
 • There must have been NO vertebral (backbone) fractures

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