All Policies Include Enhanced COVID-19 Cover

Coronavirus Cover

Questions about cover for coronavirus? Read our FAQs and find out what our policies can do for you. If you would like to contact us, please note we are currently only available 09:00 to 17:30 Monday to Friday due to reduced operational capacity. Thank you.

FAQs: coronavirus travel insurance

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.

Additional Coronavirus FAQs

Am I insured if I travel against the advice of the FCDO?

  • None of the policies we offer will provide cover if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). This would be for 'All Travel' and 'All but Essential Travel' unless customers have contacted us in advance with their reasons for travel and cover has been agreed in writing. You can read the FCDO's latest advice here.

What if the FCDO travel advice changes whilst I am abroad?

  • None of the policies we offer will provide cover if you decide to travel against the advice of the Foreign, Commonwealth & Development Office (FCDO). This would be for 'All Travel' and 'All but Essential Travel'. You can read the FCDO's latest advice here. If the FCDO travel advice changes whilst you are abroad you should follow any guidance to travellers they publish at the time of the change.

Am I covered for cancellation due to FCDO, government or local authority advice relating to any infectious disease including COVID-19?

  • There is no cover for any claim due to any epidemic or pandemic as declared by the World Health Organisation (WHO), or FCDO, government or local authority advice relating to any infectious disease including COVID-19.

  • If you have booked a package holiday to a destination affected by the viral outbreak and you want to cancel or change your plans, we advise you to contact your travel agent or tour operator in the first instance. Consumer advice for travellers is available from ABTA.

  • If you are not able to amend your trip and have tested positive for COVID-19, here's the information you need to make a claim.

What can I do if my travel company have cancelled my trip due to Coronavirus?

  • If your travel company has cancelled your trip because of the Coronavirus, then it will often be their responsibility to offer you a different holiday. Alternatively they may be able to offer you a refund or compensation. If you've paid for your trip with a credit card, including flights, section 75 of the Consumer Credit Act of 1974 gives you legal protection if things go wrong. If this is the case, it's best for you to contact your credit card company directly to make a claim.

Can my policy be changed to suit a 'new/different' holiday or trip?

For policies purchased before 13th July, if you are offered an alternative destination and or dates from your travel agent, we are pleased to advise that we will shift your insurance policy to fit the new trip, providing the new trip begins within 18 months of the date of the original trip.

For polices purchased after 13th July, we are pleased to advise that we will shift your insurance, providing the new trip begins within 12 months of the purchase date of the policy.

An additional premium may be due for changes to your trip duration or destination.

Date change requests can be made using this form.

Will my policy cover medical treatment for the Coronavirus? And will repatriation be covered?

  • If you catch Coronavirus or require medical treatment whilst travelling, then yes cover will be in place for emergency and necessary treatment. This will only apply if you did not travel against the published advice of the FCDO, any local government, local authority or WHO.

  • Customers should be aware that our policies are travel insurance policies and not private medical insurance. That means there is no cover for any medical expenses incurred in private medical facilities if your insurer has confirmed that medically capable public facilities are available.

Advice for obtaining emergency medical treatment abroad can be found here.

  • Our policies will provide cover for repatriation (bringing you home) when it is medically necessary. The Assistance Team will liaise with your treating doctor(s) about your treatment plan and if required obtain a 'fit to fly' certificate. They will also liaise with you, advise on, and put in place, suitable repatriation plans to get you home as soon as it is medically safe to do so in order to achieve your optimal recovery. The assistance team acting on behalf of your insurer are unable to make arrangements to repatriate you where it is against local advice, where travel is restricted or where you would pose a risk to other passengers.

If I am stuck abroad and cannot come home on my planned return date, will my travel insurance be extended to cover me until I can get home?

  • If for reasons beyond your control you are unable to complete the trip before your travel policy expires, cover will be automatically extended without additional premium for the additional days necessary to complete the trip.

  • It is expected that you make every effort to attempt to return home at the earliest opportunity. Failure to do so may invalidate your policy.

If I am quarantined due to the Coronavirus, what cover is in place?

  • Before your holiday: If you choose to quarantine due to developing Covid-19 symptoms or on the advice of a medical professional, no cover would be in place unless you provide written evidence of a positive COVID-19 test.

  • During your holiday: There would be no cover provided for this. We recommend making enquiries with your Tour Operator or travel and accommodation provider(s) in respect of how they will respond if this occurs. However if you have been hospitalised due to coronavirus your policy will extend to provide assistance with returning home once you have been discharged.

Please contact the Assistance Team on +44 (0) 203 829 6745 if you are admitted to hospital.

What happens if I arrive at my holiday destination and they refuse entry due to the virus?

  • If you travel to an area that the FCDO advise against travelling to, there would be no cover under the travel insurance policy as this would be considered as a known event.

  • If you travel to an area and the FCDO advice changes after leaving home, you should contact your travel agent or tour operator for information on availability of flights or refunds in the first instance.

  • If you are refused entry at passport/border control, you should contact your airline or transport provider to arrange changing your return ticket to allow you to come home early.

Will I be covered if I want to cut my trip short due to the Coronavirus?

  • If you test positive for COVID-19 and need to cut short your holiday, you can claim to be reimbursed for any pre-paid unused holiday costs. Here's the information you need to make a claim.

  • There is no cover for the event of you wishing to cut your holiday short due to a relative, friend or business partner who is not an insured person under your policy testing positive for COVID-19.

  • If you have booked a package holiday to a destination affected by the viral outbreak and want to cut your trip short, contact your travel agent or tour operator for information on availability of flights in the first instance. Advice for travellers is available from ABTA.

  • If you are travelling independently from a tour operator or travel agent, you should make your own arrangements to leave by either altering return tickets where possible or booking onto an alternative commercial flight or mode of transport. Claims for independent traveller's additional expenses in returning home earlier than planned, where medically justified, will be assessed on a case-by-case basis.

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 alternative dates, and are offered a refund from your travel agent or tour operator, we are happy to offer a full refund of your premium within 14 days of purchase on the understanding that no claim is to be made against the policy.

Please contact us to cancel your policy.

I have been told to self-isolate/self-quarantine by my doctor, am I covered to cancel my holiday?

  • Your policy won't cover you having to cancel your holiday if you've been told to self-isolate as a precaution. In this case you should contact your airline, tour operator, accommodation provider and other carriers to ask about refunds or changing your travel date. However you can claim for any non-recoverable cancellation costs if you test positive for COVID-19 in the two weeks prior to the start of your holiday.