Updated 3rd September 2020
While travel remains unpredictable, planning a holiday requires a little more thought than normal. To help you travel with more confidence, we want to be clear about our coronavirus cover.
No matter what Travel Insurance Saver policy you choose, you will benefit from our enhanced coronavirus extension which has been added to all policies purchased after 14th July 2020. That means you will be insured against certain types of disruption caused by COVID-19. You can visit this page to find out exactly what we can and cannot cover. Or browse the FAQs below to see if we have already answered your query. Rather talk to someone? No problem. Our friendly customer service team is happy to help. Just get in touch.
What you are covered for
If you are unable to travel and are forced to cancel your trip because the following unexpectedly happens before you leave home:
You became ill (including contracting COVID-19 in the two weeks prior to travel*), were injured or died.
Covered as standard. Subject to a medical professional confirming your injury, illness or infectious disease.
Any person named on the same policy contracts COVID-19 in the two weeks prior to travel*.
Covered as standard. Subject to a medical professional confirming your diagnosis.
*If upon contracting COVID-19 you, or any person insured on the policy do not recover within the 14 day period due to complications causing a subsequent diagnosis such as, but not limited to respiratory failure, pneumonia, chest infection, cardiac failure an autoimmune condition or sepsis the claim would be considered based on the date of the secondary diagnosis – with the only requirement being that you purchased the policy prior to contracting COVID-19.
Whilst you are on your trip:
Fees or charges for necessary and emergency treatment
Your policy covers emergency medical expenses and additional travel, accommodation and repatriation costs where it is deemed medically necessary.
Hospital benefit if hospitalised abroad with COVID-19
We will pay up to the limit specified in your policy wording for each full 24 hours that you are in a public hospital as an in-patient.
What you are not covered for
You are not covered under any section for any of the following circumstances:
You are travelling to an area that is classified as 'Advise against all travel' or 'Advise against all but essential travel' by the Foreign, Commonwealth & Development Office at the time of your departure.
Any claim relating to changes in travel advice by the Foreign, Commonwealth & Development Office (FCDO) or comparable prohibitive regulations by the government of the country you are in or are travelling to relating to any infectious disease including COVID-19.
Any claim where you have travelled against the advice of your doctor or a medical professional.
Before you go:
You choose or are recommended to quarantine or isolate as a result of exposure to an infectious disease including COVID-19.
You simply do not want to travel or have a fear of travelling.
You do not want to travel because the advice from the FCDO has changed and you have been requested to quarantine on return from your trip.
Any claim for cancellation where a person not insured on the same policy contracts or shows symptoms of COVID-19.
Any claim where a relative or friend who is not travelling with you and insured on the same policy has received a confirmed diagnosis of Coronavirus. Cover for COVID-19 is limited to individuals named on the same policy schedule.
Any claim related to the person you plan to stay with, who is not insured but on whose health your trip may depend, contracts or shows symptoms of COVID-19.