What cover is available under my policy in relation to Coronavirus of FCO change in advice?
From 17th March 2020 there is no cover for:
Am I still insured if I travel against the advice of the FCO?
No. Your policy will not provide cover if you decide to travel against the advice of the FCO. This would be for ‘All Travel’ and ‘All but Essential Travel’.
If my flight has been cancelled as a result of coronavirus, will this policy cover me?
If your flight has been cancelled by your airline in the first instance you need to check if you are entitled to an alternative flight or a full refund by the airline. If you unable to obtain a refund from your airline please check your policy terms and conditions at the time of purchase of your travel insurance policy.
If my holiday or trip has been cancelled as a result of coronavirus, will this policy cover me?
If your holiday or trip has been cancelled in the first instance you need to check if you are entitled to a full refund by the tour operator or holiday provider. If you unable to obtain a refund please check your policy terms and conditions at the time of purchase of your travel insurance policy.
Can I cancel my trip because I’m worried about Coronavirus?
None of our travel insurance policies cover for “disinclination to travel" i.e. not wanting to travel due to fear of a pandemic or epidemic, such as the Coronavirus or any similar diseases.
I’ve booked an event, excursion and/or a tour but they’ve been cancelled by the provider due to Coronavirus, can I make a claim?
You may find that some of your planned excursions or tours have been cancelled. As these have been cancelled by the provider, you should seek a refund with them directly.
Remember, if you paid for your excursion or tour with a credit card, and the amount was over £100, you may be able to claim back your money. Contact your credit card provider to discuss this in full.
I am already travelling and need medical assistance as I think I have contracted coronavirus – would this policy pay out for any medical claim?
Emergency medical assistance will continue to be offered as part of this policy. If you become unwell on your trip please contact the Emergency Medical Assistance Team as soon as practicable, so they can offer assistance.
If I’m quarantined because of the Coronavirus, will my travel insurance cover me?
If you are quarantined by local government or law enforcement while you’re away, your travel insurance will continue to offer emergency medical costs only, until you are home safely. You should contact our Emergency Medical Assistance team as soon as you are able, if you are put into quarantine or isolation so that assistance can be offered if necessary
Who will pay if I am quarantined/isolated in my accommodation?
Any additional accommodation or food costs should be covered by the authority that issued the quarantine, along with any reasonable out of pocket expenses that you incur. Losses as a consequence of your isolation will not be covered.
Speak to your tour operator or resort manager to discuss this.
Am I entitled to a refund if I cancel my travel insurance?
If you wish to cancel your policy and have not travelled, made a claim or you are unaware of an incident that might give rise to a claim please email us at firstname.lastname@example.org
Please refer to your policy wording for full terms and conditions of cancellation.
Useful Links:Foreign and Commonwealth Office – Travel Advice NHS – Coronavirus Overview World Health Organisation – Coronavirus Outbreak
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