Travel Insurance

Cancellation & Medical cover for COVID-19 policies have COVID-19 cover included, so you can travel with confidence. Find out more about what is and is not covered when you buy Travel Insurance from

NEW: We now include cover for travel where the Foreign, Commonwealth and Development Office (FCDO) advises against all but essential travel as a result of Coronavirus (COVID-19) for European Single Trip policies.

COVID Insurance - Corona Virus Insurance 2020 -

What is covered?

As the world begins to reopen and you start to travel again, you can be confident that with you know what’s covered. We keep this page regularly updated so you can easily check back and find out more about our Travel Insurance.

The following cover is for new policies taken out from 3 September 2020 onward. Click each question for more information on what's covered.

What is covered by

Before your trip

Yes. Cover is provided if you have received a positive diagnosis of Coronavirus within 14 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.

Yes. Cover is provided if you are admitted to hospital due to Coronavirus within 28 days of the start of the trip. You must have received a positive COVID-19 NHS test. However, you must not have had any symptoms or positive diagnosis before you bought your policy or booked your holiday.

Yes. Cover is provided if you or your travel companion are denied boarding following either a COVID-19 diagnosis with an NHS or other government official test or receiving a temperature test reading or other medical test which falls outside of the transport provider’s terms of travel.

Yes, you will still be covered for all aspects of the policy (except cancellation and curtailment) provided you have purchased a single trip policy and are travelling within Europe and the FCDO advice is solely related to coronavirus.

On your trip

Yes. This would be covered under medical expenses section of the policy. If medically necessary we will also arrange for you to be brought back home.

Yes, provided that you have already checked in. If the accommodation closes after you have left home but before you check in and you are no longer able to enjoy the holiday you booked this is not covered because it will be the responsibility of your tour operator or travel company to assist you. You will need to approach them in this scenario.

Yes. These would be covered under medical expenses section of the policy, within the terms and conditions. It will offer cover for room only and travelling expenses for you and a close relative or friend who might be required to help you.

Yes. Your policy would also automatically extend to cover this.

Yes. You do not need to curtail your trip if the FCDO advice changes. You can continue your holiday knowing that your policy will still be valid and offer you cover. If you do decide to come home you will not be covered for curtailment or cancellation costs.

What is not covered by

Before your trip

No. You are only covered if a positive diagnosis has been made and you have received a positive COVID-19 NHS test and provide us with a medical certificate from the hospital to show your hospitalisation. If there has been no diagnosis and you are just asked to self-isolate, then you would not be covered under this policy. 

No. We would not expect people who are required to shield to be actively booking trips due to the current pandemic and the advice for them not to travel, as this would be a known risk. However, should the current pandemic disappear, shielding cease and you book a future trip and subsequently receive a positive NHS test or hospitalisation due to a future pandemic outbreak, cover would be provided.

No. This is called disinclination to travel. This is because however valid you feel your reason is for not wanting to take the trip, it is still your choice as to whether to go. An insurer will not pay any claim for that reason.

No.  There would be no cover for cancellation in these circumstances.

On your trip

No. You would only be covered under the medical expenses section of cover if you are diagnosed with COVID-19 and this is the reason entry is prevented. For any other reason your tour operator or travel company should help you and you should contact them for assistance.

No. You should contact your tour operator or travel company for assistance.

After you travel

No. We don’t cover for any associated costs with having to quarantine on return.

If you have any more questions or queries about our product then visit our Frequently Asked Questions page or we’ll be happy to chat with you through our live chat function on this page where you can speak to a member of our Customer Care team

Latest FCDO Travel Advice

Below is the latest travel advice from the FCDO. To find out about about the country you are thinking of travelling to, click here to visit the FCDO Website.

Travel Advice Update

July 03 2020 – 15:37

The UK Government has announced that from 10 July 2020, the following countries can be visited without the need to enter quarantine on returning to the UK.

  • Andorra
  • Antigua and Barbuda
  • Aruba
  • Australia
  • Austria
  • Bahamas
  • Barbados
  • Belgium
  • Bonaire, Sint Eustatius and Saba
  • Croatia
  • Curaçao
  • Cyprus
  • Czech Republic
  • Denmark
  • Dominica
  • Faroe Islands
  • Fiji
  • Finland
  • France
  • French Polynesia
  • Germany
  • Greece
  • Greenland
  • Grenada
  • Guadeloupe
  • Hong Kong
  • Hungary
  • Iceland
  • Italy
  • Jamaica
  • Japan
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Macau
  • Malta
  • Mauritius
  • Monaco
  • Netherlands
  • New Caledonia
  • New Zealand
  • Norway
  • Poland
  • Réunion
  • San Marino
  • Serbia
  • Seychelles
  • South Korea
  • Spain
  • St Barthélemy
  • St Kitts and Nevis
  • St Lucia
  • St Pierre and Miquelon
  • Switzerland
  • Taiwan
  • Trinidad and Tobago
  • Turkey
  • Vatican City
  • Vietnam

The above information is accurate at the time of publishing, however you should always consult the FCO website for the most up to date travel information prior to booking your trip or purchasing travel insurance.

Latest Information from the FCDO

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