Travel insurance with COVID-19 cover

When it comes to COVID-19, travelling can be confusing. That's why we want to explain our travel insurance with COVID-19 cover...

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We want to make sure all our customers are kept in the loop when it comes to travel insurance and COVID-19. So, take a look at our FAQs below to see what's covered under your travel insurance policy with us. This information relates to COVID-19 and any future pandemics.

 

What's covered if I need to cancel my trip before I travel?

What if I need to cancel excursions or activities while on my trip?

What if I need to cut short / cancel my trip after I’ve left home?

What emergency medical and related expenses are covered?

What additional transport and/or accommodation costs are covered?


You can find more information in your document of travel insurance.

What's covered if I need to cancel my trip before I travel?

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  • You're covered if your trip or holiday has to be cancelled because you or someone you're travelling with is diagnosed with COVID-19 or any coronavirus or other contagious disease and are unable to travel
  • You're covered if your trip or holiday has to be cancelled because you or someone you're travelling with is ordered by a government or public authority to quarantine based on the suspicion that you have been exposed to COVID-19 or any coronavirus or other contagious disease
  • You're not covered if your trip or holiday is cancelled by your airline or travel provider because the Foreign, Commonwealth & Development Office (FCDO) has imposed travel restrictions due to COVID-19 or any coronavirus or other contagious disease, either in the UK or at your destination
  • You're not covered if you decided to cancel your trip or holiday because you don’t want to travel due to COVID-19 or any coronavirus or other contagious disease
  • You're not covered if the FCDO or public authorities have imposed travel restrictions or a lockdown

What if I need to cancel excursions or activities while on my trip?

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  • You're covered for any activity or excursion you paid for or booked and agreed to pay for before being diagnosed with COVID-19 or any coronavirus or other contagious disease, or ordered to quarantine by a government or public authority
  • You're not covered for any activity or excursion you booked but can no longer attend due to travel restrictions imposed by the FCDO due to COVID-19 or any coronavirus or other contagious disease

What if I need to cut short or cancel my trip after I've left home?

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  • You're covered for emergency repatriation costs to bring you home if the Foreign and Commonwealth Office (FCDO) impose travel restrictions (while you're at your destination) and has requested you to return to the UK
  • You're covered for lost or unused holiday costs if you're ordered by a government or public authority to quarantine based on the diagnosis or suspicion that you specifically have been exposed to COVID-19 or any coronavirus or other contagious disease. 
  • You're not covered for any holiday costs for any period of your trip that you have not enjoyed because a quarantine period is ordered by the FCDO or government authority
  • You're not covered for lost or unused holiday costs if your trip has to be cut short due to COVID-19 or any coronavirus or other contagious disease because the FCDO or government authority has imposed travel restrictions (while you're at your destination) and has requested you to return to the UK

What emergency medical and related expenses are covered?

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  • You're covered for medical and repatriation costs if you become unwell with COVID-19 or any coronavirus or other contagious disease
  • You're covered for £25 per 24-hour period up to a maximum of £1,000 if you're an in-patient in hospital for any accident or illness that's covered under this policy. This excludes any period of quarantine in your accommodation 
  • You're not covered for medical and repatriation costs if you’ve declared COVID-19 or any coronavirus or other contagious disease as a medical condition, which is shown on your schedule as not covered

What additional transport and/or accommodation costs are covered?

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  • You're covered for additional accommodation costs to stay longer at your destination because you specifically have been ordered to quarantine by a government or public authority while you're at your destination (maybe because you have been diagnosed with COVID-19).
  • You're covered for additional transport costs to bring you home if your pre-booked transport can't be rescheduled because you had to stay longer at your destination due to a quarantine period. This quarantine period must have been ordered by a government or public authority for you specifically whilst you're at your destination.


  • You're not covered for additional transport or accommodation costs after you left home because the FCDO imposed travel restrictions or lockdown either in the UK or at your destination.

policy documents

Grab a cuppa and take a read of our policy documents

You can get these and other documents from us in Braille, large print or audio by contacting us 

2.33.1216