Coronavirus: travel insurance

Yes, if you’re forced to cancel your trip as a direct result of a positive COVID-19 test, you’re covered for cancellation up to £5,000 per person.

You'll need to provide confirmation and evidence of a positive test result. 

Before purchasing or renewing your policy, check if we can cover any existing medical conditions that you or anyone covered by the policy has. See the Your Health section of your policy booklet.

If you or anyone covered by your policy has previously tested positive for COVID-19 in the 12 months before purchasing or renewing your policy, then you'll need to tell us if you've: 

• been prescribed medication by your doctor for COVID-19, 
• visited hospital or A&E for COVID-19, or 
• been referred for investigations or treatment  for COVID-19. 

If this applies to you or anyone covered by your policy, you’ll need to tell us, and we’ll ask you some medical screening questions to confirm if we can cover the condition. Please see the Your Health section of your policy documents (PDF 254 KB).

Yes, you’re covered for emergency medical treatment and associated expenses if you become ill with COVID-19, subject to policy terms and conditions.

If you or anyone covered by your policy has previously tested positive for COVID-19 in the 12 months before purchasing or renewing your policy, then you'll need to tell us if you've:

• been prescribed medication by a doctor for COVID-19, 
• visited hospital or A&E for COVID-19, or 
• been referred for investigations or treatment for COVID-19. 

If this applies to you or anyone covered by your policy, you’ll need to tell us, and we’ll ask you some medical screening questions to confirm if we can cover the condition. Please see the Your Health section of your policy documents (PDF 254 KB).

Yes. If you unexpectedly need to quarantine, we'll cover any extra travel and accommodation costs to make sure everyone who's insured under the policy gets home ok (provided a return trip was booked). We'll also pay costs for any accommodation and excursions you haven't been able to use, where the costs can’t be recovered elsewhere.

It's important to check the entry requirements for your destination before you book, as you won't be covered if you don't meet these.

No. We won’t be able to cover you if you travel against FCDO advice.

Your travel provider should be able to help with this, so the first thing you should do is get in touch with whoever you booked your trip with to talk about your options.

If you can’t reschedule your trip or get a refund and you have our Travel Disruption cover, you’ll be able to make a claim in the 31 days leading up to your trip. You’ll only be able to do this if there weren’t any entry restrictions or FCDO advice against travel in place when you booked your trip or purchased your cover (whichever was later).

No. There's no cover under the policy if you can't travel because you don't meet the entry requirements. You should contact your travel provider to see if you can reschedule your trip or get a refund.

If you've been asked for proof of insurance, you should be able to find everything you need in your policy schedule and policy wording.

Wherever you are, if your travel plans take an unexpected turn, we’re here to help. Here’s how you can make a travel insurance claim.