Updated on 13 July 2020
The following cover is for new policies purchased after 13 July 2020
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), 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
Covered as standard. Subject to a medical professional confirming your diagnosis.
If your scheduled airline stops trading due to COVID-19
On the Gold level of cover only we will pay up to £2,500 if the airline on which you are booked with having an administrator appointed, filing for bankruptcy or becoming insolvent and not being able to provide agreed services before your departure from your home country causing you financial loss.
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 Office at the time of your departure.
Any claim relating to changes in travel advice by the Foreign & Commonwealth Office (FCO) 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.
Any claim for cancellation where a person not insured on the same policy contracts or shows symptoms of COVID-19.
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.