Planning to travel after a lockdown can seem like a daunting experience. And thinking about what you’re covered for with your travel insurance policy should be the last thing to worry about.
Understanding what you’re covered for will help you travel again with confidence, and more importantly enjoy your holiday with peace of mind.
Below, we cut through the jargon and talk about what is and isn’t covered when you take out a new covid travel insurance policy with us.
When can I be covered for COVID related claims?
To be covered by your travel insurance, you’ll need to be travelling to a place that the FCDO have not advised against travel to. Your policy will only be valid if it’s safe for you to go.
If you need to travel to Europe when the FCDO advises against ‘all but essential’ travel, you can add our FCDO Travel Advice Extension to your policy to be covered – but this won’t include COVID-19 Cover while you’re abroad.
Below, you can find out more about our covid cover in more detail:
Cancellation cover before you go
Cover available on all policies:
- You have COVID-19 within 14 days of travelling, as shown by a positive medically approved test
- Your travelling companion(s), people you live with, or people you’re staying with on holiday testing positive for COVID-19 within 14 days of travel. from a medically approved test.
While you’re away
Only if you’re travelling to a destination where the FCDO does not advise against ‘all’ or ‘all but essential’ travel are you covered for the following:
- Cancellation and repatriation cover if you’re denied boarding with a positive test for COVID-19
- Emergency medical expenses abroad
- Repatriation to help you get back home
- Additional accommodation and transport if deemed necessary by our medical officer
- Daily benefit if you’re ordered to self-isolate in your holiday accommodation if you have COVID-19
- Cancelling or cutting your trip short after death in the family from COVID-19
What you’re not covered for:
Travel insurance covers you for unexpected costs that can’t be recovered elsewhere. We’ve worked hard to make our COVID-19 Cover the best that we can for you and continue to work on improvements.
But it’s important to understand what you aren’t covered for when you’re buying a policy.
It can be difficult to think about everything that could possibly go wrong that you might want to cover, but here are some of the exclusions to be aware of that we can’t cover you for:
- Travelling during a government travel ban
- Not wanting to travel
- Changes to FCDO or local government travel advice
- Buying a policy after receiving a positive COVID-19 test result or waiting for a result when your trip starts within 14 days
- The cost of any COVID-19 tests or results that might be needed to travel
- Quarantine costs on arrival back to the UK if necessary
How we can help when you can’t claim
If, as a result of COVID-19, your travel company has cancelled your trip, it will usually be their responsibility to offer you an alternative holiday.
If you rebook a holiday, we can:
- Change your single trip policy start date as long as it falls within 18 months from the date you bought your policy. If there is a significant change in your policy, like extending your trip duration, there may be an additional charge.
- Also change your holiday destination to any other country that is safe to travel to, as long as there is no increase in cost. If there is an increased premium, you’d need to pay the price difference to change your cover.
- If you need to make changes to your Single Trip Travel Insurance policy, you’ll need to do so before you were originally due to travel.
You can make either of these changes to your policy online using My Staysure to avoid administration charges when calling to make amendments.
If there is an increase in cost to cover your new holiday destination, you can also pay for this on your My Staysure account.
See more about how we’re helping our existing customers if their plans are impacted by Covid.