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How Coronavirus may affect your policy | Can I claim? Find out more

Although we have already made adaptations to existing policies to accommodate the pandemic, as you prepare for summer 2021 our Enhanced COVID-19 cover add on will give you even greater levels of cover should something go wrong.


What do our standard policies cover?

Our standard policies will cover you if you or your travel partner are diagnosed with COVID-19 before your trip rendering you unable to travel within 14 days of your pre-booked departure. Additionally, if you contract COVID-19 whilst on your trip our standard policies will cover emergency medical expenses arising from your illness.

Our standard policies also cover for curtailment due to death of a relative contracting COVID-19 or requiring hospitalisation for treatment with mechanical ventilation. So, if you need to cut your trip short, we will support your claim.

For more information on what our standard policies cover, click here


Essential information

What does the Enhanced COVID-19 cover add on cover?


FCDO advice

The key benefit is the add on will cover you if you choose to travel against FCDO (Foreign, Commonwealth & Development Office) advice in relation to COVID-19, as long as the advice is against “all but essential travel” solely as a result of COVID-19. This only applies when travelling to countries in Europe.



We provide to each Insured Person in total per Insured Journey, up to the sum insured shown in the Table of Benefits, following necessary and unavoidable cancellation of a trip as a result of:

  1. You are contacted by a representative of the UK Government’s Test and Trace service due to the probability of You having contracted COVID-19, and are instructed to self-isolate for a period of time which prevents You from starting Your Insured Journey using Your pre-booked outward travel.
  2. You experience an adverse reaction to the COVID-19 vaccine in the 2 weeks before Your scheduled departure date and are advised that You are no longer fit to travel by a Medical Practitioner.
  3. You, or Your travelling companion are unable to complete Your COVID-19 vaccination course before Your scheduled departure date due to unforeseen illness of You or Your travelling companion.

Conditions and Exclusions do apply to these sections of cover and we would suggest you read these carefully together with the general policy conditions and exclusions.


How does it work?

At the bottom of this page click ‘Start Quote’ (linked). Once you have completed your details on the first page, selected the level of cover you need on the second page, you will be given the option to purchase add ons to your policy. Simply scroll down and select Covid-Enhanced. The additional premium and advanced policy cover will be added automatically.



Does this add on cover me if I travel to an Amber or Red destination in line with the English governments Traffic light system?

The traffic light system refers to quarantine restrictions upon return to the UK. Our standard policies will not cover you if you travel to a destination where the FCDO has advised against “all but essential travel” or “all travel”. Please continue to check the FCDO website prior to departure to ensure there are no travel warnings in place at your destination.

If you have purchased the Enhanced COVID-19 cover, you will remain covered to travel if the FCDO advise against “all but essential” travel to your destination due to COVID-19 risks.


Where does this add on cover?

The cover for travelling to destinations where the FCDO advise “against all but essential” travel under the Enhanced COVID-19 cover add on only applies to European destinations. You will not be given the option to purchase the add on if you select a country, during the quote process, outside of Europe. If you purchase an annual multi-trip policy the add on will only support claims when travelling to the following countries:

Albania, Andorra, Armenia, Austria, Azerbaijan, the Azores, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, the Channel Islands, Croatia, Cyprus, the Czech Republic, Denmark, Egypt, Estonia, the Faroe Islands, Finland (including Lapland), France, Germany, Gibraltar, Greece (including the Greek Islands), Hungary, Iceland, Ireland (Republic), the Isle of Man, Israel, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, the Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, the Russian Federation, San Marino, Serbia, Slovakia, Slovenia, Spain (including the Balearic Islands and the Canary Islands), Sweden, Switzerland, Tunisia, Turkey, Ukraine, the United Kingdom and the Vatican City.


Keep in mind the Enhanced COVID-19 Cover add on only aplies to European destinations.


Am I insured if I contract COVID-19 whilst on my trip?

Yes. If you test positive whilst on your trip you will be covered for emergency medical treatment and repatriation if necessary. Should you need to remain abroad due to contracting COVID-19 you will be covered for additional or unforeseen travel and accommodation costs.


Am I insured if I am unable to travel due to an adverse reaction to the vaccine?

Yes. If you fall ill or have adverse effects from your vaccination up to 14 days prior to your planned departure date and have been advised by a medical professional that you should not travel you will be covered for cancelation. Please review our policy wording document for full contractual terms regarding cancellation. (Button)


The FCDO has advised not to travel to my chosen destination, am I covered?

When you purchase the Enhanced COVID-19 cover add on you will be covered against FCDO advice if it pertains to “all but essential travel” as result of COVID-19. However, if the advice is regarding to anything other than non-essential travel due to COVID-19 you will not be covered. If the FCDO advises against all travel or non-essential travel to a particular country, island(s) or region, and you decide to travel anyway, this policy will not cover you for any issue that may arise, and any subsequent claim will be rejected.


I have chosen not to have the vaccination, am I covered?

If you have chosen not to receive the recommended vaccine and contract COVID-19 whilst abroad this may affect your ability to claim. If you are unable to receive a vaccine due to medical reasons this will be considered, should you need to make a claim.


Am I covered if I must isolate prior to my departure date?

If you, a relative, a member of your travel party or someone you have planned to stay with contracts COVID-19, with a positive diagnosis, up to 14 days prior to your planned departure date each insured person will be covered for cancellation costs up to the sum shown in the table of benefits. This is included as part of our standard policy cover.

If you have been contacted through the Test and Trace App, under our standard policies you will not be covered. However, if you purchase our Enhanced COVID-19 cover add on and are required to self-isolate for a period of time that prevents you from travelling as planned to a European destination you will be able to make a claim for cancellation. Please review our policy wording document for full contractual terms regarding cancellation. (Button)