A considerable amount of advice is available on swine flu
Travellers affected by swine flu should be covered for any losses through their insurance policies, according to the Association of British Insurers (ABI).
Claims for cancellation and medical treatment abroad will be dealt with as long as the disease was not contracted before the policy was taken out.
However, travelling against official advice could jeopardise policies.
The UK is projecting more than 100,000 new H1N1 cases a day by the end of the summer, but most are mild.
Insurers would take into account doctors' notes that advised patients against travel because of flu symptoms.
If one person in, for example, a family of four contracts swine flu then an insurer should cover the cost of cancellation for the whole family, according to Malcolm Tarling, of the ABI.
However, choosing to travel to a certain country against government or World Health Organization (WHO) advice could invalidate a travel or health insurance policy.
Anyone who feels they must travel to one of these countries - such as for a family funeral - should talk to their insurer who would deal with the position on a case-by-case basis, Mr Tarling said.
If a tour operator has cancelled a trip as the result of a swine flu then the firm should offer "suitable alternative arrangements" to customers, or a refund if that is unavailable.