Travel insurance and coronavirus
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Travel insurance and coronavirus

Find out how travel insurance can help with travel plans during the Covid-19 outbreak and what cover you’ll need for any future trips you have planned.

Coronavirus
Coronavirus

Find out the latest on travel during coronavirus – and on buying the right insurance policy to cover you.

Latest travel advice

The Foreign, Commonwealth and Development Office (FCDO) regularly updates its advice about travelling. It continues to advise that you’re only able to travel abroad or within the UK if you have a legally permitted reason to. You can find a list of travel and entry requirements for all countries here.

If you do choose to go abroad, it’s going to be a bit different. And buying travel insurance will be a little different too. That’s not to say that you can’t find insurance right now, but you won’t have as many insurers to choose from – and each insurer will have its own exclusions around Covid-19. Your travel insurance won’t cover you if you travel against FCDO advice.

Make sure you know what you’ll be covered for before you buy a policy. If you’re unsure whether you’re getting the right cover, call your insurer first.

Check the latest FCDO advice regularly before you travel.

Key points

  • You can buy travel insurance, but each insurer will have different levels of cover and exclusions around coronavirus
  • Covid-19 is classed as a pandemic. Each insurer treats pandemics differently, and some class them as known events. That means they might exclude parts of the cover they offer
  • The Foreign, Commonwealth and Development Office (FCDO) still advises that you don’t travel abroad or within the UK unless you have a legally permitted reason to. Check the rules for the area of the UK you’re travelling from as well as your destination country and follow advice for both
  • If you travel against FCDO advice, you won’t be covered by your travel insurance
  • Make sure you know what you’ll be covered for before you buy a policy. If you’re unsure if you’re getting the right cover, call the insurer first

Buying travel insurance now

You can now compare travel insurance with us again. but if you travel against FCDO advice, you won’t be insured.

Make sure you know exactly what you’re covered for and read all the policy information. Every insurer has different levels of protection so you need to find the one that’s right for you.

Look out for cover that:

  • Allows you to cancel due to Covid-19 (including illness and self-isolation)
  • Covers your medical expenses and flight home if you are ill with coronavirus
  • Extends your stay if necessary due to coronavirus
  • Covers you for airline or tour operator failure

Finding insurance to cover these will be difficult as there are still so many restrictions in place, but it’s not impossible. Read policy documents and call insurers if you need to so that you know exactly what is and isn’t covered.

Remember, if you travel against FCDO advice you won’t be covered by any travel insurance.

Make sure you know what you’ll be covered for before you buy a policy. If you need to check you’re getting the right cover, call the insurer first.

Read the rest of the GoCompare guide at Travel insurance and coronavirus

Our thanks to Hannah Evans, Publisher Partner Manager, GoCompare, for helping us with this link.

(We have no connection with GoCompare.)

Source: GoCompare

Original publication 7 January, 2021

Posted on NatCorn 4 weeks ago

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