Travel money

P&O Cruises urges all passengers with trips booked to bring proof or risk being ‘denied boarding’ at their own expense

P&O Cruises says all passengers must bring a particular item with them or risk being ‘denied boarding’. The popular cruise operator states that packing the item is compulsory for all guests who wish to sail on the ship, or their holiday could be ruined if they fail to do so.

P&O Cruises is among the largest and most popular cruise operators in the UK, and as the peak travel season approaches, many people will have trips booked. The vessels are designed specifically for the British market and depart year-round directly from Southampton.

P&O Cruises operates a fleet of seven ships, divided into family-friendly vessels such as Arvia, Iona, Britannia, Azura and Ventura, and adult-only ships such as Arcadia and Aurora, reports the Liverpool Echo. Irrespective of which vessel people embark upon, all guests must bring a crucial item with them. Should customers fail to present the item, P&O Cruises warns: “Unfortunately, you will be denied boarding”.

On the P&O Cruises website, the cruise operator clarifies what passengers need to pack and explains the rationale. A statement reads: “We’re delighted that you’ve chosen to set sail with us, and we cannot wait to welcome you on board. Before we get there, it is mandatory for all guests to have suitable cruise travel insurance cover in order to sail with us.”

It adds: “It is your responsibility to ensure you have appropriate cover in place for the duration of your holiday. Unfortunately, you will be denied boarding, at your own expense, if you’re unable to confirm you have arranged insurance.

“You may be asked for proof of your cruise travel insurance. So, please be sure to bring either a printed or digital copy of your insurance documentation that confirms cover for the named travellers over the dates of travel.”

Outlining the main reason why travel insurance is crucial to arrange before setting sail, P&O Cruises stated: “For many significant purchases in your life, insurance is essential. And holidays are no different.

“Travel insurance ensures you can relax and enjoy your holiday with peace of mind that you’re covered in the event something should go wrong. This includes unforeseen incidents before your holiday, while travelling or while you’re away.”

P&O Cruises provides a checklist for selecting the appropriate level of cruise insurance protection. It includes:

• Ensure your insurance covers a cruise holiday
• Covers the full length of the trip
• Includes all destinations – choose worldwide cover if unsure
• Includes medical and repatriation cover of £2 million minimum
• You’ll need to declare any pre-existing medical conditions
• We would also recommend that you have adequate cancellation cover to cover the cost of your trip

I’ve got travel insurance already. Do I need cruise insurance?

P&O Cruises states: “You will need to look into the level of cover your travel insurance provides. Some bank accounts include travel insurance but the policies often offer limited amounts of cover.

“Standard travel insurance is generally meant for a land-based holiday and as such, won’t cover many of the elements of a cruise holiday. A cruise holiday requires more specialist cover, for example if there was a need to be medically evacuated at sea. The most important thing is to make sure you’ve told your insurer you are going on a cruise holiday.”

What happens if I don’t declare pre-existing medical conditions?

P&O Cruises warns: “You run the risk of not being fully covered and having to pay for medical treatment which can be extremely costly. Emergency medical treatment can even be refused if you do not have the correct insurance, this includes failing to declare pre-existing conditions.”

If I cancel my holiday, will I get my money back?

P&O Cruises states: “If you cancel your holiday, the cancellation policy in our Booking Conditions applies. If you are cancelling due to a medical reason and you have declared the medical condition, your insurer should refund any monies paid less the relevant policy excess.”

Travellers have been told ‘not to panic’ if they have flights planned for the summer

Many travellers are worried that their summer flights may be at risk as the jet fuel supply disruptions have left some airlines cancelling and rescheduling flights. Now, hantavirus has also trigger some anxiety as passengers fear they may be facing the same disruptions they experienced during the Covid pandemic.

While health experts have been assured the public that hantavirus is “not like Covid”, according to BBC’s Dr Xand, a travel expert explained exactly what rights you have if your flight is cancelled for these reasons.

Hannah Mayfield explained: “If your flight is cancelled because of a global health emergency or another major disruption outside the airline’s control, passengers are still entitled under UK261 to either a full refund or alternative flight.

“That obligation remains firmly with the airline, even in extraordinary circumstances. What may not apply, however, is additional compensation.

“We saw significant confusion around this during the coronavirus pandemic.”

The travel money expert with specialist travel insurance comparison website PayingTooMuch, urged people to learn the “crucial” distinction between these two as some travellers mistakenly believe that if they aren’t entitled to compensation then they aren’t entitled to anything.

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Ultimately, the expert assured everyone with upcoming flights: “The key message for travellers this summer is not to panic, but to understand where responsibility sits before problems arise. Knowing your rights in advance makes it much easier to act quickly and avoid unnecessary stress or expense if your faced with disruptions.”

She continued: “Airlines are responsible for passenger rights linked to the flight itself, including refunds, rebooking, and assistance during disruption.

“Travel insurance, by contrast, is there to protect against wider personal financial risks such as cancellation due to illness, emergency medical treatment abroad and repatriation as well as things like baggage lost items and in some cases irrecoverable costs that cannot be recovered from airlines or travel providers depending on the cover.”

Checking your travel insurance and how you paid for the flight before you leave can also add some extra protection. The expert urged: “It’s equally important to read the travel insurance policy carefully before travelling.

“Many people only discover exclusions relating to pandemics, wider disruption, or government travel advisories when they come to make a claim.”

Hannah explained that if you used a credit card to pay for your flight, Section 75 of the Consumer Credit Act can “provide valuable additional protection in some instances”. While those who paid with debit cards may have “less robust” protections.

You won’t even see the fees being added

Most holidaymakers assume using their normal bank card abroad is fine. But Martin Lewis says a simple switch to a specialist card could save you from paying an extra 2.75% to 3% on every single purchase – a hidden fee that quietly adds to your bill without you even noticing.

In a clip shared on This Morning’s official TikTok, the MoneySavingExpert founder explained how most high street banks add a “non-sterling exchange rate fee” when you spend abroad. Ignore it and a £100 purchase effectively costs you £103. Switch to one of the specialist cards he recommends, and you get the same near-perfect exchange rates the banks use – without the markup.

Martin started by explaining what happens when you spend on plastic overseas. “Your bank gets a near perfect exchange rate on the day – the same as what’s called the spot rate, the city market rates. When you spend on your card abroad though, normally the card company adds what’s called a non-Sterling exchange rate fee of between 2.75 or 3%,” he said. “So your hundred pounds worth of euros cost you £103.”

The solution, he explained, is using specialist cards. “With the specialist cards, they don’t have that. So you get the same near perfect exchange rates that the banks or the card firms do.”

As for which cards to choose, Martin noted there are quite a lot available now. He judges them on the cashback they give you. The Barclaycard Rewards credit card is currently giving 0.25% cash back on spending in the UK and abroad. “So you get perfect exchange rate and cashback,” he said.

He added a crucial warning for anyone using a credit card: “Only do this if you’ll pay it off in full at the end of every month, or there is interest. That will credit score you to get it.”

For those who prefer a debit card or don’t want to undergo a hard credit check, Martin offered two alternatives. “The easiest one to get is the Chase card, which you can apply for without switching banks and only does a soft credit check, so it doesn’t mark your credit file, and virtually everybody can get it,” he said. It offers near-perfect exchange rates, no ATM withdrawal fees, and some cashback on UK spending.

Alternatively, for those willing to switch banks: “First Direct, if you’re willing to switch bank to it, will give you a near perfect exchange rate fee debit card and pay you £175 quid if you switch bank to it.”

A spokesperson for travel experts Lapland Famille said: “When spending abroad, choosing the right payment method makes a real difference. Specialist cards often work out far cheaper than standard bank cards. And if you’re ever asked to pay in pounds or the local currency, always choose the local currency – paying in cash locally is another good way to avoid hidden conversion fees.”

With no need to switch your main bank account for the easiest option, Martin’s advice shows that cutting the cost of spending abroad may be simpler than many travellers think – as long as you pick the right card before you go.

Travel insurance specialist has issued advice, as cancellations and delays may happen

As airlines continue to navigate fuel supply challenges caused by the Middle East conflict, some flights may be disrupted, or fares may increase. Some energy bosses have claimed Europe only has six weeks’ worth of jet fuel left. Tom Vaughan, a travel insurance specialist at Confused.com, has offered advice for passengers with summer holidays coming up.

He also warned that cancellations and delays may happen, and stressed the importance of preparing in advance and knowing what to do if a trip is axed. “For Brits planning to travel this summer, it’s worth being aware that flight cancellations and delays could happen as airlines respond to operational pressures,” he said.

“Disruptions like this can leave travellers unsure about their rights and what steps to take next if they are affected. The good news is that UK passengers have rights if their flight is cancelled.

“Airlines should offer a refund or an alternative flight, even if your ticket was non-refundable.” If passengers do experience disruption, Tom has shared some steps to follow.

Firstly, he says travellers should contact their airline as soon as possible to confirm their options, including rebooking or a refund. He also recommends: “Keep receipts for any essential costs like food, accommodation or transport, as these may be reimbursed”.

Tom said passengers may still be entitled to assistance (such as meals or a hotel stay) while waiting for a new flight. “If you booked a package holiday, check if it’s ATOL protected and contact your travel provider for support”, he added.

The travel insurance specialist went on to say that people who pay by credit card “may have additional protection if things don’t go to plan”. Lastly, he urged people to review their travel insurance policy and speak to their insurer to understand what extra costs they could claim back.

He also says it is “always sensible” to take out travel insurance before going away. “Even if you are able to claim directly via the airline, an insurer can guide you on how to make a claim,” he explained.

Tom continued: “With the right policy in place, you may also be able to claim back for other parts of your holiday that were affected as a result. If you’ve recently experienced flight cancellations, our flight compensation guide will help to break down your options.”

Inflation climbed higher last month as the knock-on effects from the Iran war started to hit the cost of living for UK households. The Office for National Statistics reported an annual rate of Consumer Prices Index (CPI) inflation of 3.3% for March, increasing from 3% last month.

It meant inflation picked up to its highest level since December, with higher fuel prices a significant driver. The ONS indicated that fuel prices were the main area where the impact of the Iran conflict had already been reflected in their data.

While jet fuel costs have risen, the ONS said that air fares are based on previously booked flights, meaning that the March data was not yet impacted by inflation linked to the conflict. This means airfare inflation is likely to continue rising this year as higher jet fuel costs are passed on to passengers.

KLM has made several adjustments to its flight schedule for the coming month. The airline says: “This concerns a limited number of flights within Europe that, due to rising kerosene costs, are currently no longer financially viable to operate. There is no kerosene shortage. KLM will operate 80 fewer return flights to and from Schiphol, which is less than 1% of its European flights during that period.

“Passengers affected by these changes will be rebooked onto the next available flight. As these are destinations KLM serves multiple times a day — such as London and Düsseldorf — travellers can usually be accommodated quickly. KLM expects a busy May holiday period and is making sure passengers can travel to their holiday destinations as planned.”

In a new statement, Lufthansa has said: “The Lufthansa Group has secured (“hedged”) approximately 80 per cent of its kerosene requirements for 2026 and approximately 40 per cent for 2027 based, among other things, on the price of crude oil – both at pre-crisis price levels. With this level of hedging, we are in a better position than most competitors.”

Meanwhile, easyJet has said it is not currently seeing any disruption to flights and doesn’t plan to make any changes to its flight schedule.