How coronavirus (COVID-19) affects travel insurance

This page was last updated 19 March 2020.

A new strain of coronavirus has infected thousands since the outbreak began in Wuhan, China, in December 2019. The virus has now spread to many other countries.

On 11 March 2020 the World Health Organisation confirmed the coronavirus (COVID-19) was a pandemic.

Further to this statement, on 17 March 2020 the Foreign & Commonwealth Office (FCO) advised against all non-essential international travel, initially for a period of 30 days.

Following this FCO advice, we’ve taken the difficult but necessary decision to temporarily stop selling new travel insurance policies throughout this period.

If you recently received a quote from us, it will be valid for 30 days. You can retrieve the quote and purchase a policy as long as you complete the sale by the deadline on the quote.

Please be aware that any new policy purchased after 15.00 on 13 March 2020 won’t cover any claim in relation to coronavirus. This includes, but isn’t limited to, cancellation due to your diagnosis of coronavirus, Foreign & Commonwealth Office advice, or cancelled flights.

Existing customers

If you’ve an existing policy with us, or your annual multi-trip policy is due to renew, it will remain valid.

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Please be aware, our travel insurance policies have an exclusion to prevent claiming for any circumstances which are known prior to purchasing a policy or booking a trip. It’s now foreseeable that the coronavirus could give rise to a claim.

Therefore, any new policy purchased after 15:00, 13 March 2020 under an existing annual multi-trip policy won’t cover any claim in relation to coronavirus. This includes, but isn’t limited to, cancellation due to your diagnosis of coronavirus, Foreign & Commonwealth Office advice, or cancelled flights.

In addition, any non-essential international travel which is against FCO advice may not be valid for a claim.

However, we’ll continue to cover any medical claims because of coronavirus if you’re going to an area where there’s no FCO advice against travelling there.

And you can be assured that any new policy purchased, or trip booked under an annual multi-trip policy, will benefit from all the other cover features, including emergency medical costs, cancellation and baggage.

Contacting us

Please bear with us, our phone lines are very busy while the coronavirus situation continues.

We’ve taken a number of steps to maintain our service to you, but you may experience a longer wait than usual when calling us. We’ll return to normal service as quickly as possible.

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Am I covered to cancel or cut short my trip?

  • In the first instance, speak to your tour operator or transport and accommodation provider for a refund of costs. If you’re travelling as part of a package holiday, then contact your package provider first.
  • If you have costs that won’t be covered by your tour operator or transport provider, and if you can provide written evidence of this and any refunds you’ve received, please contact our claims team for consideration.
  • If you’re due to travel to an area where there’s no official advice to cancel, then no cover is in place for a disinclination to travel there.

We’re here to help. If you’ve any further questions, please call our claims team on 0330 058 2991.


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