Covid-19: Travel Insurance Information for customers


As you might expect, we are receiving a large volume of questions regarding the Covid-19 pandemic. We’ve answered some of the most common questions below. We are always happy to speak to our customers individually if you want to discuss something specific your your own plans.

Update 17/08/2020

As of 11:59 pm on Friday the 13th of March 2020, all new travel insurance policies will exclude any claims related to Covid-19. The new exclusion is as follows:

COVID-19 – Travel Insurance Exclusion

For any policy issued from 23:59 on 13 March 2020, there will be no cover provided for any claim directly or indirectly caused by, arising or resulting from, or in connection with:  Coronavirus disease (COVID-19) or any mutation of the disease.

This exclusion is being applied to all travel insurance policies underwritten by Allianz and is out of our control. Severe travel disruption is expected across Europe over the next few months, and it is likely that most travel insurers will take this step if they do not have a pandemic exclusion already.

For policies purchased AFTER 13/03/2020, please read Q&A BELOW

If the FCO (Foreign and Commonwealth Office) advice against all but essential travel to a destination and I go anyway, am I still covered?

If the FCO advice against all but essential travel to your destination but you travel anyway, your travel insurance cover will be void. There is no cover in place if you travel to a destination the FCO have advised against all but essential travel.

If the destination country was OK when you left the UK, and then mid-trip the FCO changes its position, the travel insurance would remain in force, but it would not cover non-emergency repatriation costs.

Am I covered if I contract COVID-19 while on holiday?

Unfortunately there is not coverage on this policy if you catch Covid-19 while on holiday not if you catch it before you travel.

What if I am quarantined while on holiday?

Our travel insurance will cover you for trip curtailment if you are confined to your accommodation abroad due to compulsory quarantine or on the orders of a doctor however if you are quarantined due to Covid-19 you will not be covered due to the exclusion.

What if I can’t go on my trip because I have contracted COVID-19?

You are covered for trip cancellation if you are unable to travel as of a result of the death, illness or disease however there is currently an exclusion on our policies for Covid-19 so this would not apply if you contracted Covid-19.

What if I can’t go on my trip because I have been quarantined in the UK?

Due to the Covid-19 exclusion on the policy, if you were quarantined in the UK, you would not have cover if you had to quarantine in the UK.

What if I’m travelling to take part in an event (E.G. a Triathlon) and it has been postponed or cancelled by the organiser?

If an event organiser cancels the race you are due to take part in, they are responsible for offering you tickets for a new date or providing a refund on your event entry. Our travel insurance is not designed to reimburse you on their behalf.

If your sole reason for travelling is to take part in an event and that event is cancelled, you may be able to claim for additional costs such as cancelled accommodation and flights if your reason for cancellation is not due to Covid-19, however if it is due to Covid-19, there won’t be any cover.

What if I don’t want to travel, or I want to reschedule my trip because I’m worried about COVID-19?

Our policy includes a ‘disinclination to travel’ exclusion, meaning if you chose not to travel, and there is nothing to stop you from taking the trip such as an illness, then you aren’t covered for cancellation. If you cancelled your trip because you were worried about Covid-19, you would not be able to claim on your travel insurance.

In normal circumstances, this exclusion is designed to prevent people from claiming on their travel policy because they have changed their mind about going on holiday. The Covid-19 pandemic is an unprecedented situation, and we fully understand why many would choose to cancel their upcoming trips. Unfortunately, our underwriters are obliged to stick to the word of the policy when handling claims, and cannot make an exception to this exclusion.

If the FCO (Foreign and Commonwealth Office) began to advise against all but essential travel to a destination after I purchased my travel insurance but before I travel, am I covered for cancellation?

Unfortunately, our travel insurance will not cover trip cancellation if the FCO change their advice between you purchasing your travel insurance and the date of your trip.

To be covered for this eventuality, you would need cover for “travel disruption” which is not part of our travel insurance policy. This is an unusual travel insurance feature and is usually offered as an “add-on” when taking a travel insurance policy out, if at all.

I’m currently on holiday and the FCO advice has changed since I left home

Q: Will I have to return home immediately or can I finish my holiday?

A: You can finish holiday unless the Government advice changes again and instructs UK residents to return home.

Q: If I return home, can I claim for curtailment?

A: If you choose to return home early, you can’t claim for curtailment due to Covid-19 on this policy.

Q: Will my insurance be invalid immediately?

A; You will be covered for the rest of your trip as normal as long as the FCO advice changed after your trip started.

Q: What if I have an accident or need medical help before I get home?

A: Yes, you would continue to have cover on this policy however please not there is an exclusion for Covid-19 and this would not be covered.

Q: Am I covered for emergency repatriation / cancellation costs, mid trip. 

A; Yes, you would have cover as normal however, there is an exclusion for Covid-19.

Q: If I get Covid-19 while I am on holiday, am I covered?

No, there is an exclusion for Covid-19 on your insurance policy.

Q: I’m having to isolate while on holiday as I have been in contact with an infected person, what should I do?

A: You should continue to isolate as requested however, there is a general exclusion on this policy for Covid-19 and therefore your expenses would not be covered if you needed to remain abroad and quarantine.

I had a trip planned but now FCO adviCe has changed and I can’t travel:

Q: Can I go anyway?

A; Yes, technically you could still travel and self-isolate for 14 days on your return, but your Yellow Jersey insurance will be invalid. There is no cover on this policy for issues relating to Covid-19 and there is also a general exclusion for travel against FCO advice.

Q: Can I claim for cancellation?

A: No, due to the Covid-19 exclusion on the policy, you would not be able to claim for cancellation.

Q: What other options do I have?

A: If you have a short term policy, you are able to change dates of insurance for another trip or cancel your insurance policy if within 14 days cooling off period (there is £15 admin charge for this)

If you have an annual policy, you are able to extend the end date of the policy by 3 months.

Alternatively, you should see if you holiday company / travel operator can offer you new holiday dates or voucher/ refund instead. If you paid by credit card, you should also be able to contact your card provider to investigate a claim for the full cost of purchase that you did on the credit card (under the Consumer Credit Act; Section 75).

Q: If I get Covid-19 am I covered?

A: No, there is no cover for Covid-19 on this policy.

What if I don’t want to travel, or I want to reschedule my trip because I’m worried about COVID-19?

Our policy includes a ‘disinclination to travel’ exclusion, meaning if you chose not to travel, and there is nothing to stop you from taking the trip such as an illness, then you aren’t covered for cancellation. If you cancelled your trip because you were worried about Covid-19, you would not be able to claim on your travel insurance.

In normal circumstances, this exclusion is designed to prevent people from claiming on their travel policy because they have changed their mind about going on holiday. The Covid-19 pandemic is an unprecedented situation, and we fully understand why many would choose to cancel their upcoming trips. Unfortunately, our underwriters are obliged to stick to the word of the policy when handling claims, and cannot make an exception to this exclusion.

For policies purchased before 13/03/2020, please read below

If the FCO (Foreign and Commonwealth Office) advise against all but essential travel to a destination and I go anyway, am I still covered?

If the FCO advise against all but essential travel to your destination but you travel anyway, your travel insurance cover will be void. There is no cover in place if you travel to a destination the FCO have advised against all but essential travel.

If the destination country was OK when you left the UK, and then mid-trip the FCO changes its position, the travel insurance would remain in force, but it would not cover non-emergency repatriation costs.

Am I covered if I contract COVID-19 while on holiday?

Our travel insurance covers you for the costs of emergency medical care and repatriation if you fall ill abroad. This would, of course, include if you fell ill with Corona Virus while on holiday. If you suspect you have Covid-19 while on holiday but do not require immediate medical attention, you should contact our non-emergency medical helpline as soon as possible.

What if I am quarantined while on holiday?

Our travel insurance will cover you for trip curtailment if you are confined to your accommodation abroad due to compulsory quarantine or on the orders of a doctor.

What if I can’t go on my trip because I have contracted COVID-19?

You are covered for trip cancellation if you are unable to travel as of a result of the death, illness or disease. This includes if you fall ill with Covid-19 in the UK.

This element of cover is extended if one of your travelling companions, a person you have arranged to stay with, a close relative, or a close business associate falls ill. We do not, however, cover any pre-existing condition. The travel insurance must have been purchased prior to any symptoms developing.

What if I can’t go on my trip because I have been quarantined in the UK?

We have provision for quarantine in our travel policy, and you would be covered for trip cancellation if you couldn’t travel because you had been quarantined in the UK.

What if I’m travelling to take part in an event (E.G. a Triathlon) and it has been postponed or cancelled by the organiser?

If an event organiser cancels the race you are due to take part in, they are responsible for offering you tickets for a new date or providing a refund on your event entry. Our travel insurance is not designed to reimburse you on their behalf.

If your sole reason for travelling is to take part in an event and that event is cancelled, you may be able to claim for additional costs such as cancelled accommodation and flights. Our underwriter Allianz will look at these on a case-by-case basis should they arise. Unfortunately, this is not a clear cut decision.

What if I don’t want to travel, or I want to reschedule my trip because I’m worried about COVID-19?

Our policy includes a ‘disinclination to travel’ exclusion, meaning if you chose not to travel, and there is nothing to stop you from taking the trip such as an illness, then you aren’t covered for cancellation. If you cancelled your trip because you were worried about Covid-19, you would not be able to claim on your travel insurance.

In normal circumstances, this exclusion is designed to prevent people from claiming on their travel policy because they have changed their mind about going on holiday. The Covid-19 pandemic is an unprecedented situation, and we fully understand why many would choose to cancel their upcoming trips. Unfortunately, our underwriters are obliged to stick to the word of the policy when handling claims, and cannot make an exception to this exclusion.