Coronavirus Travel Insurance

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Travel insurance Coronavirus

If you’re thinking of booking a holiday at the moment, it’s natural to want to make sure that you have travel insurance with Covid cover. Here at InsureandGo, all our policies will cover you if you catch Coronavirus, including the Delta and Omicron variants

What are you covered for with Coronavirus travel insurance?

If you buy an InsureandGo policy today, the FCDO DOES NOT advise against all or all non-essential travel to your destination, and you have had and are up to date with the Covid-19 vaccination(s) recommended by the UK NHS (or were medically unable to have the vaccinations as evidenced by your medical records) you will be covered if:

  • You need to cancel your trip because you or a member of your family or travelling party are either,
    a) medically diagnosed with Coronavirus within 14-days of your planned departure date, as certified by a medical practitioner or independent authority following completion and physical analysis of a UK Government approved test;
    b) in quarantine on the date you are due to commence your trip, on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus;
  • You need to curtail your trip and return to your home earlier than planned due to the hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.
  • You need medical treatment for Coronavirus while abroad or you have to extend your trip because you have contracted Coronavirus or are quarantined on the orders of the treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.

Note that there is no cover for any other Coronavirus-related claims, including lockdowns, quarantines or other government restrictions. All other terms and conditions of the policy apply.

If you buy an InsureandGo policy today and, because of Coronavirus, the FCDO does advise against all or all non-essential travel to your destination, you will still be covered for:

  • Any non-Coronavirus-related claims, including emergency medical costs, baggage, passports, money and personal accident claims, subject to the usual policy terms and conditions.

But there will be no emergency medical cover for Coronavirus and no cover for any Coronavirus-related claims, including choosing not to travel because of the FCDO advice. For more information about travelling against the FCDO advice, read about our FCDO travel insurance.

Does all InsureandGo travel insurance include Coronavirus cover?

Yes. Any policy you buy from our website includes the level of Coronavirus travel insurance set out above and in our policy wordings. It doesn’t matter whether you buy a single trip policy or annual multi-trip cover.

Do you cover the over 70s and over 80s?

Yes, there are no age restrictions to buying our Covid travel insurance. As always, InsureandGo will have a policy for you whatever your age, so you can get a quote today.

Can I have travel insurance for Coronavirus even if I have a pre-existing medical condition?

Yes, you’ll just need to tell us about it when you’re buying your policy.  Simply choose Silver, Gold or Black level cover and follow our simple medical screening process. Depending on the condition, you may need to pay an additional premium to cover it, but there are many conditions that we can cover at no extra cost.

There’s more information on our page about travel insurance for medical conditions. 

What else is covered under your policies?

Our travel insurance doesn’t just cover you for Coronavirus, we know that other things can go wrong too. That’s why all our policies have a wide range of cover including:

• Cancelling or cutting short your holiday
• Abandoning your trip
• Delayed departure
• Medical and other expenses
• Hospital benefit
• Legal expenses
• Accommodation cover
• Personal belongings and baggage
• Personal money
• Passport and travel documents

Does my travel insurance cover Coronavirus? – FAQs

Please note that in the following FAQs:

  • Wherever we say that we will ‘consider’ claims, this will be done in line with your policy terms and conditions, taking into account your individual circumstances. It does not guarantee that your claim will be paid.
  • In circumstances where you accept a coupon or voucher (from a hotel/airline/tour operator etc) for the purposes of re-booking your trip at a later date, please be aware that we may consider this to be a monetary refund.
  • Make sure you keep up to date with the latest travel advice from the Foreign, Commonwealth and Development Office (FCDO). Please note that there may be different rules depending on whether you’re departing from or arriving into England, Scotland, Wales or Northern Ireland.
  • Please note that references to Coronavirus includes COVID-19, SARS-COV-2 (Severe Acute Respiratory Syndrome Coronavirus), and any variation or mutation of these conditions, including Delta and Omicron.
  • The following information applies to policies purchased and trips booked after 13th March 2020. If your policy or trip was bought before this and you’re concerned about your level of Coronavirus travel insurance, please contact us.
What Coronavirus cover will I have if I buy an InsureandGo policy today?

If you buy an InsureandGo policy today, the FCDO DOES NOT advise against all or all non-essential travel to your destination, and you have had and are up to date with the Covid-19 vaccination(s) recommended by the UK NHS (or were medically unable to have the vaccinations as evidenced by your medical records) you will be covered if:

  • You need to cancel your trip because you or a member of your family or travelling party are either,
    a) medically diagnosed with Coronavirus within 14-days of your planned departure date, as certified by a medical practitioner or independent authority following completion and physical analysis of a UK Government approved test;
    b) in quarantine on the date you are due to commence your trip, on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus; 
  • You need to curtail your trip and return to your home earlier than planned due to the hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.
  • You need medical treatment for Coronavirus while abroad or you have to extend your trip because you have contracted Coronavirus or are quarantined on the orders of the treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.

There is no cover for any other Coronavirus-related claims, including lockdowns, quarantines or other government restrictions. All other terms and conditions of the policy apply.

If the FCDO DOES advise against all or all non-essential travel to your destination because of Coronavirus, you will be covered for:

  • Any non-Coronavirus-related claims, including Emergency Medical Costs, Baggage, Passports, Money and Personal Accident claims, subject to the usual policy terms and conditions.

There will be no Emergency Medical Cover for Coronavirus and no cover for any other Coronavirus-related claims, including choosing not to travel because of the FCDO advice.

I plan to travel to a ‘red list' country, will I be covered?

Whether you’re covered or not depends on when you bought your policy and the FCDO advice at the time you travel:

If you bought an InsureandGo policy after 18th October 2021 and, because of Coronavirus, the FCDO advises against all or all but essential travel, then you would still be covered for any non-Coronavirus-related claims in line with the usual terms and conditions. You would not be covered for any Coronavirus-related claims, including emergency medical cover or choosing not to travel because of the advice.

If you bought your policy before 1st September 2021 and the FCDO advises against all or all but essential travel, then you would not be covered if you went abroad for a holiday.

I plan to go on holiday to a country not on the red list, but the FCDO advises against all but essential travel. Will I be covered?

If you bought an InsureandGo policy after 18th October 2021 and, because of Coronavirus, the FCDO advises against all or all but essential travel, then you would be covered for any non-Coronavirus-related claims in line with the usual terms and conditions. You would not be covered for any Coronavirus-related claims, including emergency medical cover or choosing not to travel because of the advice.

If the FCDO advises against all or all non-essential travel for a reason other than Coronavirus, and you chose to travel against that advice, there would be no cover under any sections of the policy.

If you bought your policy before 1st September 2021 and the FCDO advises against all or all non-essential travel for any reason, then you would not be covered if you went abroad for a holiday.

I’m travelling abroad to visit family, but the FCDO advise against non-essential travel because of Coronavirus. Am I covered if I go?

Whether you’re covered or not depends on when you bought your policy:

If you bought an InsureandGo policy after 18th October 2021 and, because of Coronavirus, the FCDO advises against all or all but essential travel, then you would be covered for any non-Coronavirus-related claims in line with the usual terms and conditions. You would not be covered for any Coronavirus-related claims, including emergency medical cover or choosing not to travel because of the advice.

If you bought your policy before 1st September 2021 and the FCDO advise against all but essential travel, then you would only be covered if you could demonstrate that your trip was essential (eg. to deal with a family emergency).

I’ve booked a cruise, and all the ports are in areas where the FCDO advice allows non-essential travel. Am I covered?

There is separate FCDO cruise advice which supersedes any specific country advice.

Whether you’re covered or not depends on when you bought your policy:

If you bought an InsureandGo policy after 18th October 2021 and the FCDO advises against cruises because of Coronavirus, then you would still be covered for any non-Coronavirus-related claims in line with the usual terms and conditions. You would not be covered for any Coronavirus-related claims, including emergency medical cover or choosing not to travel because of the advice.

If you bought your policy before 1st September 2021 and the FCDO advises against cruises, then you would not be covered if you went anyway.

My trip is permitted under the FCDO advice, but the destination country won’t let me in. Am I covered for cancellation?

No, unfortunately this is not covered under our policies.

We’d expect holiday companies and airlines to be flexible in these circumstances and to offer refunds or amendments. If you need to change your travel insurance dates, or want to cancel the policy because you’re not travelling, please contact us to discuss your options.

My trip is permitted under the FCDO advice, but the area I’m travelling to is in lockdown and all the facilities are closed. Can I claim for cancellation?

No, this isn’t covered by our policies.

In this situation you should contact your travel provider, as they may be able to offer you a refund or a change of travel dates.  Once you’ve spoken to them, if you need to cancel or amend your travel insurance please contact us to discuss the options.

My trip is permitted under the FCDO advice, but I’ll need a negative Covid test on arrival at my destination. Can I claim for the testing costs?

No, Coronavirus tests are not covered by our travel insurance.

My trip is permitted, but the advice has changed and I’ll now have to quarantine at home when I return. I can’t quarantine because of work, so can I claim for cancelling my trip?

No, unfortunately this is not covered.

In this situation you should contact your travel provider, as they may be able to offer you a refund or a change of travel dates.  Once you’ve spoken to them, if you need to cancel or amend your travel insurance please contact us to discuss the options.

My trip is permitted but the advice has changed and I’ll now have to quarantine in a hotel when I return. Can I claim for these costs on my travel insurance?

No, unfortunately these costs aren’t covered.

If the advice changed before you departed, you should contact your travel provider as they may be able to offer you a refund or a change of travel dates.  Once you’ve spoken to them, if you need to cancel or amend your travel insurance please contact us to discuss the options.

My trip is permitted under the FCDO advice, but the area in which I live is going into a local lockdown. Can I claim for cancellation?

No, lockdowns are not covered by our policies.

In this situation you should contact your travel provider, as they may be able to offer you a refund or a change of travel dates.  Once you’ve spoken to them, if you need to cancel or amend your travel insurance please contact us to discuss the options.

My trip is permitted under the FCDO advice, but the travel provider has cancelled my booking. Can I make a claim?

It would depend on the circumstances. If the cancellation is because of Coronavirus, or if the provider has gone into administration, this would not be covered under your policy.

In other circumstances we would consider a claim, but you would need to speak to your travel provider first – in most cases they will be required to offer you a refund.

My trip has been cancelled and I have had a full refund from my travel provider. Can I have a refund on my travel insurance?

All our policies include a 14-day cooling-off period, during which you’re entitled to a full refund as long as you haven’t travelled or claimed on the policy. 

If you wish to cancel your policy outside of the cooling-off period, and haven’t travelled or claimed on the policy, then please contact us as we may be able to offer a partial refund in some specific circumstances.

 

The FCDO advises against non-essential travel to my destination, so I’ve changed my holiday booking. Can I change my travel insurance too?

Yes, please contact us to discuss it.

If you’re planning on going to the same place, but at a different time, we will usually be able to change your policy dates.  If you are travelling to somewhere different, no problem, but there may be an additional premium to pay if you need to upgrade your policy.

I have an annual policy but have decided not to risk travelling this year. Can I have a refund?

All our policies include a 14-day cooling-off period, during which you’re entitled to a full refund as long as you haven’t travelled or claimed on the policy.
If you wish to cancel your policy outside of the cooling-off period, and haven’t travelled or claimed on the policy, then please contact us as we may be able to offer a partial refund in some specific circumstances.

If there's a change and the FCDO advise against non-essential travel when I'm already abroad, am I still covered?

Yes. As long as your trip wasn’t against the advice at the time you left the country, you’ll still be covered as usual under the policy. This includes medical cover for if you catch Coronavirus while abroad.

If my destination moves to the 'red list' while I’m abroad, am I still covered?

Whether you’re covered or not would depend on the FCDO advice at the time you left the country. This isn’t affected by a change once you’re abroad (except for extreme circumstance where the FCDO advises you to return home immediately).

If the FCDO did not advise against all or all non-essential travel when you departed, then you would still be covered as usual by the policy, including cover for if you catch Coronavirus. There would be no cover for cutting your trip short because of the ‘red list’ status.

If I have to quarantine while abroad and miss my flight home, can I claim for new flights?

No, general quarantines or lockdowns are not covered by the policy.

If you were to catch Coronavirus while abroad, and this meant you were unable to travel home as arranged, there may be cover depending on the FCDO advice at the time you left the country. As long as the FCDO didn’t advise against all or all non-essential travel, we would extend the policy for the duration of your stay and consider a claim for replacement flights.

If the FCDO advice changes while I’m abroad, meaning I’ll have to quarantine on my return, can I claim for cutting my holiday short to avoid this?

Unfortunately not. Our policies don’t offer cover for quarantines or lockdowns, and don’t cover cancellation or curtailment due to Coronavirus restrictions.

How do I make a claim?

For full details of what to do if you need to claim on your Coronavirus travel insurance, please read our make a claim page.

Before claiming, remember that the policy will only cover you for non-refundable expenses. First, you need to try to get a refund from your tour operator or travel agent. Coupons or vouchers for future travel will be considered a refund.