For information relating to policies purchased prior to 17 June 2021, please check the Policy Wording provided with your purchase. You can contact us if you need this sent to you again. For policies purchased from 17 June 2021 please see below.
So, you want to start planning your next trip... but you're worried about COVID-19 and if your travel insurance will cover your expenses if you catch it. It’s smart to be prepared and taking the time to make sure you've got the travel insurance coverage you think you might need is always a good idea.
The level of COVID-19 cover depends on where you’re from and which plan you select. We have two plans, Standard and Explorer, and the level of cover and benefit limits vary depending on which you purchase.
As our plans vary, check carefully the level of cover you think you might need, and purchase the right level of cover for you and your travel plans. If you, your friends or your family you’re travelling with get sick with COVID-19 while on the road, our travel insurance may help you with:
• Hospitalisation
• Prescribed medication
• Doctor’s visits
• Repatriation to your home if deemed medically necessary; and
• If the worst happens - repatriation of your remains or local cremation or funeral overseas and when necessary, costs for your next of kin to travel with your remains.
We’ll only pay for reasonable and necessary treatment and hospital accommodation you receive overseas and with our approval, for up to a maximum of 12 months from the date the sudden illness first manifested or the injury happened.
It's important to note you need to contact our Emergency Assistance team before making any plans, regardless of whether you’re already receiving treatment and what your treating doctor says. They can guide you to appropriate local medical facilities, help set up direct payments so you’re not out of pocket, and help you navigate local customs. Their network has a global reach, so wherever you are, they can help.
In addition to the emergency overseas medical and evacuation cover, on our Explorer Plan we offer cover under our Coronavirus Travel Costs section for some COVID-19 related events up to the combined benefit limit for the following:
Cancellation costs: You may be able to claim for cancellation costs, up to the Coronavirus Travel Costs benefit limits, if you have to cancel your trip because:
Child and pet care costs: If you get sick with COVID-19 while overseas and you can't look after your children or pets, we may be to help with:
Other Coronavirus Travel Costs benefits:
There are terms, conditions, exclusions and limitations relating to all these scenarios, and you will be required to provide us relevant proof such as medical diagnoses, receipts and other written confirmation of any compensation that has been offered to you or denied.
NOTE: We will not pay more than £1,250 per person; the maximum amount we will pay for all claims combined under the Coronavirus Travel costs section is shown under Summary of Cover for the plan you have selected.
You should also read what we won't cover in the Specific Exclusions to the Coronavirus Travel Costs section and the General Exclusions, which are applicable to all sections.
Travel insurance isn’t designed to cover everything. Common claims scenarios where there's no cover include:
Any exclusions in the Specific Exclusions sections and the General Exclusions sections of the policy
This is not a full list of what's covered and not covered. There are terms, limits, conditions and exclusions that apply, so for more information, read your policy carefully before you buy and if you’ve still got a question, get in touch.
We’re here to help if you have a question about travel insurance.
For policies purchased on or after 1 November 2018:
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For policies purchased before 1 November 2018:
Before your trip, check to see if there are current travel alerts for your destination – you can also view the latest government advice.