If the FCO advises against all travel or all but essential travel to my destination, will I be covered?
If the FCO advises not to travel or advises against all but essential travel, none of the policies underwritten will provide cover if you decide to travel against this advice. If the area is classified as ‘All but Essential Travel’ and you are still planning to go, you must contact us in advance with your reasons for travel and cover must be agreed by the Underwriters.
If the FCO advice changes after I have purchased my policy, will I be covered for cancellation?
No, cancellation cover is not provided due to changing advice of the Foreign and Commonwealth Office.
Can I return home early from my trip if the FCO advice changes whilst I’m abroad?
No, curtailment cover is not provided due to changing advice of the Foreign and Commonwealth Office.
If you travel to an area and the FCO advice changes after leaving home, you should contact your travel agent or tour operator for information on the availability of flights or refunds in the first instance.
Am I covered for the costs of my trip if I want to cancel because there are cases of coronavirus in the area I’m planning to travel?
No, the fear of a pandemic or a pandemic are not covered for cancellation in our policies.
We would advise travellers who have booked package holidays to a destination affected by the viral outbreak and looking to cancel their trip or amend their travel plans to contact their travel agent or tour operator in the first instance.
If I contract coronavirus while I’m on my trip, will I be covered?
If you catch Coronavirus or require medical treatment, then yes cover will be in place for emergency and necessary treatment. Customers should be aware that our policies are travel insurance policies and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.
Please contact our Assistance Team if you require medical treatment.
Our policies will provide cover for repatriation (bringing you home) that is medically necessary. Our Assistance Team will liaise with your treating doctor(s) about your treatment plan and if required obtain a ‘fit to fly’ certificate. We also liaise with you and advise on, and put in place, suitable repatriation plans to get you home as soon as it is medically safe to do so in order to achieve your optimal recovery. Our team are unable to make arrangements to repatriate you where it is against local advice, where travel is restricted or where you would pose a risk to other passengers.