This means that you can claim for cancellation only if the illness you experience was entirely unanticipated. incidents that you knew about beforehand, such as a long-term illness of one of your close relatives Which travel insurance policies cover you for Covid-19? However, you’re not covered in the event that your local area or indeed the whole of the UK goes into lockdown before the trip. Please be respectful when making a comment and adhere to our Community Guidelines. Our travel insurance is designed to protect you from those unexpected situations, either before or during your holiday. Here’s everything you need to know. We have made customer satisfaction and value for money our main focus and pride ourselves on providing a quick, efficient and hassle-free service. With the temporary formula, you pay an attractive price, adapted to your trip and your specific needs. Thomas Cook offers holiday insurance that includes Covid-19 protection via its partner, Holiday Extras. What is the upper age limit? The Nationwide website says: ‘If you had an existing account with travel insurance and booked your trip before 1 January 2021, then you will be covered to cancel if you are unable to go on that trip due to Government actions (such as lockdown) if this advice is in force within 28 days before your departure and you weren’t aware of such advice when you booked your trip.’ However, this is changing from 1 January 2021; trips booked on or after that date are only covered for cancellation if you, a relative, colleague or travelling companion catches Covid-19. Do I need to declare a medical condition to you? Many of the insurers that say they cover coronavirus mean, in reality, that they specifically cover medical costs abroad, rather than the cancellation or curtailment of a trip due to the pandemic. As long as you are covered for the destination/s you are travelling to on your primary policy. Our travel insurance cancellation cover extends to those who need to cancel their holiday plans due to unexpected illness. As long as all medical conditions are declared and accepted to your primary insurer, you do not need to declare them to us. As long as you have at least £1,000 of cover (per person) on your main travel insurance policy, we will cover you**. Key aspects include: Cancellation and curtailment – cover up to £10,000 available. Due to the sheer scale of this comment community, we are not able to give each post the same level of attention, but we have preserved this area in the interests of open debate. Policies now cover trip cancellations because you or your travel companion either have symptoms or are diagnosed with Covid-19. We are only able to provide cover for customers up to the age of 79. Independent Premium Comments can be posted by members of our membership scheme, Independent Premium. 3 levels of cover to choose from– for those looking for the highest levels of protection, Premier Plus is available on both Single Trip and Annual Multi-trip policies and includes: 1. EDreams ODIGEO, which owns online travel agencies eDreams, GO Voyages, Opodo and Travellink, has added Covid-19 coverage to its insurance offering. At first, as holidays and flights started to get cancelled in response to travel restrictions, holidaymakers could turn to their policies to recoup the costs. This page provides a summary of the annual travel insurance cover we provide. Do I have to have a travel insurance policy in place before getting top up cancellation insurance? If a lockdown or quarantine is required, housing will be provided for guests and, if they cannot fly home, new flights will be provided once it's safe for them to travel. Virgin Atlantic to provide free coronavirus insurance, How to get travel insurance for countries not on FCO ‘safe’ list, You may not agree with our views, or other users’, but please respond to them respectfully, Swearing, personal abuse, racism, sexism, homophobia and other discriminatory or inciteful language is not acceptable, Do not impersonate other users or reveal private information about third parties, We reserve the right to delete inappropriate posts and ban offending users without notification. As long as you have a valid primary insurance in place, you can obtain top up cancellation with us. In addition, overseas medical and assistance expenses are covered, alongside expenses incurred at a destination due to customers needing to quarantine as a result of infection. Battleface has long been selling policies to war torn countries on the Foreign Office’s no-go list, and has pivoted neatly to cover less extreme climates since the pandemic started. Whilst all of our policies provide cover abroad, please ensure that you read our policy wording carefully for geographical and policy restrictions. However, it doesn’t cover cancellation costs if the FCDO advice changes before you leave and you no longer wish to travel. Just because your travel insurance policy includes cancellation cover, don’t assume that you will be covered if you cancel your trip for any reason. The remaining 11% offer cover up to £10,000. Virgin Money has relaunched travel insurance for new customers with additional cover for coronavirus. It’s still possible to get insured during a pandemic, Find your bookmarks in your Independent Premium section, under my profile, Travel insurance has undergone something of an evolution since the coronavirus pandemic started.Â. It can also work out cheaper for you to buy an Annual Multi-Trip policy than buying a single trip travel insurance policy for your holidays individually. That means, in the event that you catch Covid-19 while on holiday, they’ll provide any medical expenses, and possibly extras including repatriation and extra accommodation costs if you have to quarantine. We are only able to provide cover for customers up to the age of 79. AllClear has added coronavirus cover to its Clear Gold, Gold Plus and Platinum policies free of charge. Insurefor.com recently launched new insurance products, including single-trip policies that cover you when travelling against FCDO advice to European countries. Top up cancellation cover provides protection against the cost of cancelling your holiday in excess of the cancellation cover provided by your travel insurance provider. Start your Independent Premium subscription today. Cancellation & cutting short a trip up to £10,000 3. With a Saga Travel Insurance policy, cancellation cover starts from the date you take out the policy or book the trip. You are covered for cancellation or cutting short your trip if one of your, or your travel companion’s, close relatives (such as a parent, child, sibling or grandparent), falls seriously ill due to Covid-19. Staysure has extended coronavirus cover, free of charge, to new policy holders. Patrick Ikhena, head of travel at comparethemarket.com, said: "If you are planning to go away, it is worth checking with your insurance provider to understand what your policy will cover for you. However, there’s no cover relating to cancellation, curtailment or lock-down/quarantine expense coverage and policies are only available to those aged 59 or under. Does travel insurance cover pandemics? Read our full mailing list consent terms here. The benefit does exactly what it claims to do: those travelers who are forced to cancel their trip for a qualified reason may have their non-refundable fees reimbursed through a travel insurance claim. Cancellation cover is one of the main reasons people take out travel insurance, alongside cover for medical expenses and personal possessions, as no one wants to be both disappointed and out of pocket if they are unable to go on If you have to cancel pre-booked excursions due to being told to self-isolate, these are also covered. As long as you have a valid primary insurance in place, you can obtain top up cancellation with us. Allianz Assistance was one of the first companies to offer comprehensive coronavirus cover. Cover type Level of cover Covers included as Yes. Whilst all of our policies provide cover abroad, please ensure that you read our policy wording carefully for geographical and policy restrictions. Each travel insurance provider will have a standard cancellation benefit per person, usually either £2,000, £5,000 or £10,000. Nearly all travel insurance policies are automatically invalidated if you go to a destination the FCDO is advising against travelling to. Other insurers might cover you in the event you have to cancel a trip as a result of catching the virus before you go, or because you’ve been told to self-isolate by the NHS test and trace team. Travel insurance can provide cancellation cover from the moment you purchase a policy, so don't delay buying it. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. You’re covered if you’re denied boarding by your transport operator as a result of a high temperature or a positive test; for medical costs if you fall ill with coronavirus while abroad; for accommodation costs resulting from an extended stay if you or a travelling companion is infected with Covid-19; and if the FCDO advice changes while you’re away. Please make sure you are aware of the limitations. As well as knowing that you’re covered for all of your travel plans, having annual cover means that you don’t need to remember to buy travel insurance for every holiday you take. if you miss your flight because of a delayed train (it happens) Your cancellation cover is also boosted to £10,000 Compare our cover levels Please continue to respect all commenters and create constructive debates. Travel Bag Insurance also offers cover, including for holiday cancellation if you or your travelling companion has received a positive diagnosis of coronavirus from an NHS test within 14 days of the start of the trip. Am I able to top up the insurance I have in place with my bank? It allows our most engaged readers to debate the big issues, share their own experiences, discuss real-world solutions, and more. If you can cancel your insurance without having to pay a fee to the holiday company or airline, then you won’t be able to claim on your insurance as you won’t be out of pocket. Reasons you can cancel, and get compensation, vary between policies - … Our policies are only eligible for customers who have an existing travel insurance in place with a cancellation cover of £1,000 or more. Here are some of the best policies covering coronavirus: Nationwide is the only provider to currently cover policy holders in the event that the FCDO changes its advice before you go – for example, if you needed to cancel your trip to Greece because it had suddenly been removed from the “low-risk” list. Some luxury holidays exceed this amount. Spectrum’s Travel Insurance covers a whole host of areas to give you real peace of mind. Our top up cancellation cover ensures that you are not out of pocket should the unexpected occur resulting in you needing to cancel your holiday. You can find our Community Guidelines in full here. TopDog is here to offer you peace of mind with cover for those unforeseen expenses included medical emergencies Customers can amend their holiday for free if they contract Covid-19 or are officially required to isolate prior to travel, or if their local area goes into a regional lockdown over their departure dates. Does it matter where I am travelling to? For more details on levels of travel insurance cover and exclusions, please read our policy documents. As well as medical expenses while abroad as a result of coronavirus, it also covers policy holders for cancellation in the event that they, their travelling companion or people they are due to stay with on holiday are diagnosed with Covid-19. So, while this happening might still seem unexpected, cancellation insurance is a key part of any travel insurance policy – not least for peace of mind. Peace of mind Travel Insurance with Covid-19 cover Always check your policy schedule and terms and conditions, as our policy coverage has changed since the COVID outbreak, depending on when you bought your policy. Choose from our three levels of cover to give you the protection you'd like at a great price. Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. We have answered some of the frequently asked questions about our top up cancellation cover below: Do I have to have a travel insurance policy in place before getting top up cancellation insurance? Policy holders benefit from medical expenses if they require treatment for coronavirus while abroad, plus additional accommodation costs (up to £2,000) will also be included if treatment means customers need to extend their trip. Each travel insurance provider will have a standard cancellation benefit per person, usually either £2,000, £5,000 or £10,000. It will cover customers when cancelling their bookings because they have been infected by Covid-19, or because they have been officially required to quarantine prior to departure. The most insightful comments on all subjects will be published daily in dedicated articles. At the moment, this warning has been applied to most countries, barring those on a dwindling “low-risk” list. As long as you are covered for the destination/s you are travelling to on your primary policy. Travel insurance with Covid-19 cover* Don't forget to add travel insurance at checkout for full peace of mind whilst you're in resort. Travel Bag Insurance also offers cover, including for holiday cancellation if you or your travelling companion has received a positive diagnosis of … Policies are available to help you escape to paradise, An empty street in Manhattan borough following the outbreak of coronavirus disease in New York City, A cab drives down at Seventh Avenue in Times Square, Syracuse University campus is seen almost empty as number of universities are moving all classes to e-learning, due to the coronavirus outbreak, A mobile souvenir shop sits in an empty parking lot at Allianz Field as a match between the New York Red Bulls at Minnesota United FC is postponed, An empty Jacob K Javits Convention Center, Empty street is seen outside the New York Times building, Heathrow boss demands government action to support aviation industry, {{#verifyErrors}} {{message}} {{/verifyErrors}} {{^verifyErrors}} {{message}} {{/verifyErrors}}, Coronavirus turns New York into a ghost town. 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