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Can I still buy travel insurance during the coronavirus pandemic?

Posted on March 17, 2020 by Kelly Edwards
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You can still buy travel insurance from us, even if it’s not yet safe to travel because of the coronavirus pandemic.

If you’ve already booked a holiday, then government advice hasn’t changed – buying travel insurance is still important.

If you don’t yet know if it’s going to be safe for you to go on holiday, then here’s our guide to how buying your travel insurance now could help protect your plans.

The government currently advise against travel to my destination due to COVID-19 – can I still buy travel insurance?

If the Foreign and Commonwealth Office (FCO) currently advise against all, or all but essential travel to your destination, then you can still buy travel insurance for your holiday due to COVID-19.

But, your policy would not be valid until government advice changes.

Buying your travel insurance while it’s still unsafe to travel means that when you can go on holiday, your cover is ready and waiting.

This also means that you won’t need to check every week to see if travel advice changes if you’re waiting to buy your cover. It takes some of the worry away and means you can look forward to your trip.

Before you travel, you’ll need to check government travel advice to know that your travel insurance policy will be valid.

When advice does change to say it’s safe to travel, the level of cover that you’ve chosen will start protecting you straight away. So if you needed to cancel your trip because of an unforeseen medical emergency, you’d be protected as normal – as long as your policy is up to date with your medical and travel plans.

When you’re on holiday you’d also be protected up to your cover limits – as long as you weren’t travelling against government advice.

Leaving your travel insurance until the last minute may mean that you are leaving yourself unprotected.

If your holiday can’t go ahead because FCO advice doesn’t change and your holiday dates are moved, we can help you to move your single trip policy so you’re covered for your new holiday. We can change your dates to within 13 months of your original booking.

Although this might feel disappointing, most major travel companies (such as TUI, P&O etc) are helping to move your travel dates if your holiday is affected and it’s not safe for you to go.

When you’ve bought your travel insurance in advance, we’ll be ready to go when you are.

If I travel against government advice, would I be covered?

If government bodies advise against all, or all but essential travel to your destination, then you could still technically travel to that place. But it is not advised. You would not be covered by your travel insurance policy to travel, or make any claims against your policy. This means your travel insurance policy would be invalid.

This means that if you had a medical emergency, had to cut your trip short or even if your baggage were stolen –  you would not be covered to make any claims if you travelled to a place where the government advised against travel.

So it’s vital that you check travel advice before you travel.

Can new travel insurance policies cover you from coronavirus?

Travel insurance protects you from unexpected events – things that we can’t expect will happen.

As the COVID-19 outbreak is no longer an unexpected event, then we would not provide any cover for claims caused by or related to coronavirus for any policy bought after 23:59 on 13 March.

Kelly Edwards

by Kelly Edwards

Kelly Edwards is Staysure’s Content and SEO Manager. She’s known for a love of tea and shares data-driven and breaking travel news.