Travel Insurance Covering COVID-19*
Looking for Travel Insurance That Covers Covid-19?
Although the lockdowns may feel like a distant memory, Covid-19 has not gone away. Coronavirus can still impact your travel plans and you will need to declare it when taking out cover.
If you’re planning a trip and concerned about the ongoing impact of variants, securing Travel Insurance with Covid-19 cover provides peace of mind for any unforeseen disruptions. Planning a high-value trip such as a cruise or a worldwide tour? You may especially want to secure cruise or worldwide Travel Insurance with COVID cover.
For those specifically seeking coronavirus holiday insurance, understanding exactly what your policy covers can sometimes be confusing.
So, does Travel Insurance cover Covid-19? We answer your questions here.
Firstly, all of our holiday insurance policies include cover for cancellation if you contract Covid-19 before you travel*. You’ll also be covered for treatment abroad, should you contract the virus and need treatment. It is also covered under emergency medical and associated expenses, including repatriation if you contract Covid-19 abroad.
If you have had Covid-19 you should declare this when getting a quotation. You’ll be able to take out Travel Insurance with COVID-19 for both vaccinated and unvaccinated travel, meaning it does not matter whether you have had a COVID vaccine.
*Each insurer’s terms are different, including some stipulations that a cancellation claim relating to Covid cannot be made in the first 7 days of the policy. Always check the policy wording.
Travel Insurance for Coronavirus
Single trip cover of up to 365 days
Annual Multi-Trip cover for up to 93 days per trip (terms apply)
Cover for hundreds of pre-existing medical conditions including terminal prognosis
High levels of cancellation and emergency medical expense cover
Lost documents, bagage, medications and medical aids cover
Three levels of cover bronze, silver and gold – to suit your individual needs
Travel companions can be included on the same policy
Zero excess policies available.
What else is covered?
All our policies provide the following as standard:
Full cover for pre-existing medical conditions
Cover for emergency medical expenses up to £15m
Cover for repatriation
Cancellation cover up to £50,000 per person upon referral
Curtailment cover up to £12,500 per person
Baggage cover up to £3,500 per person
Missed departure up to £1,500 per person
Emergency medical assistance available 24/7
Plus Smart Luggage – optional or included on gold.
Your Coronavirus Travel Insurance Questions Answered
Does Travel Insurance cover COVID?
Yes, all our Travel Insurance policies include cover for COVID-19 if you have to cancel your trip due to contracting the virus. As each insurer is different however, there may be some exceptions, so we always recommend checking your specific policy’s wording.
If I fall ill at home with COVID-19 and cannot travel am I covered under Travel Insurance?
Yes, with some of our schemes you will be covered as standard, subject to proof of covid for your insurance claim, via a medical certificate or test result. Remember, this is providing you have tested positive for Covid-19 before travel. Note that with some insurers you will not be covered for Covid-related cancellation claims within the first 7 days after the policy start date. Check your Travel Insurance policy wording for more details about Covid-19 cover.
Can I still buy Travel Insurance with Covid cover if I have not been vaccinated?
Yes, you can still buy Travel Insurance if you have not been vaccinated against Covid-19. At Just Travel Cover all our policies include cover for Covid-19, including both vaccinated and unvaccinated travel. However, it is always important to check the policy wordings for any exclusions that may apply and ensure that you have adequate cover for your individual needs and circumstances.
Does Covid cancellation cover start immediately?
While cancellation cover typically starts immediately on a single trip policy, you should be aware that some insurers stipulate that you will not be covered for Covid-related cancellation claims within the first 7 days after the policy start date. Please check the policy wording when obtaining a quote.
If I fall ill with COVID-19 (or other pandemic illness) when I am on holiday will I be covered?
You will be covered on all schemes for emergency medical (and associated) expenses, provided you have not travelled against government / medical advice. All insurers provide different levels of cover – check the policy wording or call us for details.
Does Travel Insurance covering Covid protect me if there is a change in FCDO (government) advice?
You will not be covered to travel to any destination where the Foreign, Commonwealth and Development office (FCDO) has advised against all, or all but essential Travel, and it is your responsibility to check the latest advice from the FCDO prior to commencing your trip.
If the FCDO changes its advice for the country you are travelling to due to Covid-19, you will not be covered to claim for cancellation on your Travel Insurance.
If this does happen you should contact your travel agent or tour operator who will usually provide alternative options.
Where can I get the best holiday insurance with Covid cover?
At Just Travel Cover, we are here to help you find a Travel Insurance policy that suits you, and this includes finding a policy that covers Covid. We work with a panel of insurers to compare a range of policies so we can find the best covid cover Travel Insurance that meets your requirements. Call us today and find out more about how we can help you find Travel Insurance covering Covid.
I've changed my holiday date due to COVID-19 and I already have Travel Insurance. Can I change dates?
It is usually possible to change the dates on your policy, and how far into the future you can amend to will depend on which company you are insured with. Please call us to discuss your options.
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