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How will COVID-19 vaccinations affect my travel insurance?

Posted on October 4, 2021 by Vicky Smith
Couple relaxing on deck chairs at the beach

Excited to get back to holidays abroad but wondering what the COVID vaccine rollout means for your travel insurance?

Holidays are back on the cards and while it’s a time to celebrate, it’s also important to be aware of a few changes to your travel insurance.

Proof of vaccination

Many destinations, travel companies and airlines have already stated they will require proof of vaccination from visitors.

Your travel insurance provider may also ask for documentation showing that you have received your COVID vaccination(s) should you need to make a COVID-related claim.

In England, the NHS Covid Pass allows you to share proof of your vaccination status via the NHS app. If you don’t have access to the NHS app, you can also call 119 to request a paper copy.

Proof of vaccinations may differ in Scotland, Wales and Northern Ireland, so please check before you make any travel plans.

Whether you’re fully vaccinated or have declined the jab , it’s vital to understand what vaccines mean for your travel insurance before you head off on holiday.

Digital passport concept for vaccinations

Do I need to have had both of my COVID vaccinations to be covered by travel insurance?

If you’ve had all the COVID vaccinations offered to you by the NHS, you should be covered by your travel insurance. This could be one or two depending on your age.

If you’re medically exempt from having the COVID vaccination, you can also be covered on our policies.

If you declined any doses of the vaccination through personal preference, or haven’t been able to have a dose you’ve been offered, you won’t be covered for any COVID-related claims.

Travel insurance policies are not equal. Levels of cover can vary according to the insurer, so it’s important to check the individual policy details, particularly the exclusions.

Declining the COVID-19 vaccination

If you’ve turned down the vaccine offered to you by the NHS, you will not be covered for COVID-related claims.

When taking out travel insurance, all customers are expected to exercise reasonable care for their own safety and must take reasonable steps to avoid a claim.

Needing a vaccination before travel is not a new concept. Many places already require vaccination against diseases such as typhoid before you can travel and this has an impact on your health cover.

Will vaccines be essential for booking a holiday?

Travel insurance is just one area that will be impacted by COVID-19 vaccines as the UK gets back to foreign travel.

Some airlines and cruise lines now ask for proof of vaccination before you can travel. Australian airline Qantas along with cruise lines including P&O, Cunard, Royal Caribbean have made COVID vaccinations a part of their booking requirements.

Travel insurance with cover for COVID-19

Staysure’s travel insurance policy will provide you with COVID-related emergency medical cover even if you have not yet been offered a vaccine, provided you’re not travelling against FCDO advice.

If the FCDO has advised against travelling to your destination, you will not have any cover for COVID-19 unless you have added the FCDO add-on to your policy and have had the vaccinations you’ve been offered.

You can also get 10% off COVID tests with your new travel insurance policy from Staysure.

Safe travel after the coronavirus lockdown

For more useful information, check out Staysure’s guide to safe travel after the coronavirus lockdown.

Vicky Smith

by Vicky Smith

Vicky Smith is a journalist and freelance content creator. She loves to travel with her family. Her favourite place in the world is a sandy beach in Cornwall.