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Travel Insurance

You can find up-to-date travel advice on the Government's website. This includes information on where you can travel and further consular advice. 

 

For more information, you can read our commonly asked questions:

Is travel insurance widely available?

  • Travel insurance is widely available. Some insurers temporarily stopped selling travel insurance to new customers while the Foreign and Commonwealth Office’s blanket advice was against all but essential travel. However, those insurers have now resumed selling travel insurance. You should check your policy as it is likely that any policy bought or renewed, or trip booked, after the pandemic was officially declared is unlikely to cover cancellation due to COVID-19 (which may include the need to self-isolate) as it is a known risk.
  • Travelling to any destination where the Foreign and Commonwealth Office’s advice against all but essential travel remains will continue to risk invalidating your policy.

Will my travel insurance cover any Covid-related emergency treatment needed abroad?

  • The majority of travel policies should cover you for any Covid-related emergency medical treatment that you may ned overseas. You should check the position with your insurer.

What should I do about travelling?

  • You should follow the Foreign and Commonwealth Office (FCO) advice. Your travel policy will remain valid if you travel to countries where the FCO advice is that it is safe to do so. If you travel against FCO advice then you are likely to invalidate your travel insurance, leaving you uninsured.

What happens if my holiday is cancelled?

  • In the first instance, a refund should be sought from the airline, accommodation provider or tour operator. Following that, any bookings done through a credit card may also be able to have costs recovered through section 75 of the Consumer Credit Act or via a 'chargeback claim'.​
  • Travel insurers expect to pay out a record £275 million to people who have had to cancel holidays and who have faced disruption when travelling abroad. However, cancellation cover is priced to fill in the gaps only when other consumer protections do not apply. Insurers do not want to charge customers for insurance cover that duplicates the refund protections that travel operators, airlines and credit card providers have a legal duty to provide.

Will my travel insurance cover me if I am delayed and trying to return to the UK?

  • Insurers are committed to supporting their customers who are stuck abroad at this difficult time. Most travel insurance policies already automatically extend so that people are still covered against the risk of emergency medical treatment when they are stuck abroad due to ongoing travel restrictions. Given these exceptional circumstances, leading ABI members will look to extend this protection to cover the risk of emergency medical treatment for up to a minimum of 60 days, provided you are making every effort to return home. If you are unsure if your insurance coverage will be extended, you should check with your insurer as soon as possible.  

What happens if you travel to a destination not on the Foreign & Commonwealth Office’s safe to do so list?

  • Travelling against Foreign and Commonwealth Office advice is likely to invalidate your travel insurance.

What would be classed as ‘essential’ travel?

  • You should check with your travel insurer if the reasons for your trip would or would not invalidate your travel insurance. A holiday to the area would not be considered as essential. 

If I cancel my travel plans can I claim any cancellation costs on my travel insurance?

  • Travel insurance may cover non-refundable cancellation costs, in specific circumstances. These may include medical advice against you or a member of your group from travelling or government advice against travelling. Check your travel insurance policy for the scope of cover as policies taken out or renewed, or trips booked, after the pandemic was declared are likely to exclude cancellation due to Coronavirus as it was a known risk when the policy was taken out.
  • Travel insurance is not designed to cover the situation where you choose not to travel, but there is no FCO advice against travel. For example, your insurance will not cover you where FCO advice allows travel but you choose not to travel because you do not want to quarantine on your return to the UK. 

What happens if I'm quarantined overseas?

  • If you are required to be quarantined while abroad, you may be covered by your insurance policy, including any relevant medical expenses that are required, provided that there is no COVID-19 exclusion. Your insurer may consider additional travel expenses at the end of the quarantined period to allow you to return home. Check with your insurer if you have any questions. 
  • Many policies can be extended for a specific period, if you are unavoidably detained from returning to the UK. If this happens, then check with your insurer. 

If I am caught up in a local lockdown, either in the UK that prevents me from travelling or while abroad that delays getting back to the UK, can I claim on my travel insurance?

  • This will depend on if your policy has any Covid-related exclusions (which is likely if your policy is taken out or renewed, or trip is booked, after the pandemic was officially declared) and if you have travel disruption cover (you should check your policy). If you have travel disruption cover, and no exclusions apply, then you may be able to claim for additional expenses occurred overseas, such as accommodation costs, provided that you have not been able to recover these from any other sources first.

Single Trip Insurance - Cover Extension 

ABI members are committed to supporting their customers who are stuck abroad at this difficult time.

Most travel insurance policies already automatically extend so that people can continue to be covered against the risk of emergency medical treatment when they are stuck abroad due to ongoing travel restrictions.

Sometimes these extensions have a limit of up to 30 days, however, given the exceptional circumstances leading ABI members will look to extend this protection to cover the risk of emergency medical treatment for up to a minimum of 60 days, provided customers are making every effort to return home.

We welcome the Government’s announcement to assist with repatriation given the challenges that many people stuck abroad are facing.

Six things to know about travel insurance:

Travel insurers are committed to supporting their customers through this unprecedented global event and have made six pledges to customers;

ABI travel insurance members have pledged to:

  • Ensure that customers are provided with, or directed to, the most up-to-date information around the Coronavirus outbreak and publish clear information at the point-of-sale around the valid coverage of their policies.
  • Work closely with customers to signpost them to where compensation may be received for cancelled transport, holidays or an inability to travel abroad e.g. airlines, travel providers and travel agents.
  • Consider all valid travel insurance claims quickly and fairly for costs not recoverable from elsewhere arising from cancellation, travel curtailment or disruption so that customers receive a fair outcome.
  • Upon notification from their customers, help them consider their options for transferring their travel insurance to cover a new destination should people wish to make alternative travel plans.
  • Implement business continuity plans to be able to continue to handle travel insurance claims in challenging circumstances.
  • Be understanding of the difficulties customers may have in getting medical certification and consider, where appropriate, alternative evidence that customers may be able to provide.