HomeTravelling against FCDO advice

What happens to my travel insurance if the FCDO advice changes?

The Foreign, Commonwealth & Development Office (FCDO) offers useful travel advice for those travelling abroad from the UK. In some circumstances, your travel insurance may still cover you even if the FCDO advises against travel.

Will travel insurance still cover me if the FCDO advise against “all but essential travel”?

The most common reason for this change in recent years has been due to the Covid-19 pandemic.

If you are travelling to a country where the FCDO advice IS against all or all but essential travel due to the Covid-19 pandemic:

If the FCDO does NOT advise against all, or all but essential, travel to your destination, our Coronavirus travel insurance policies will provide the following cover for Covid-19: 

If 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 for

– 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;

– 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;

Please note that cover for cancellation depends on the cancellation of your trip being both necessary and unavoidable. InsureandGo do not provide any cover for disinclination to travel.

Our Coronavirus travel insurance has been rated Superior by a leading UK consumer champion.

We are unable to offer cover if the reason for the FCDO advising against all but essential travel is something other than Covid-19, such as war or ongoing disasters.

We also cannot consider any claims where:

  1. Unlimited emergency medical expenses available on Black level policies.
  2. Based on 2,050 responses, correct as of 22/01/2024