Travelling safely is more important than ever. To help you avoid unpleasant travel pitfalls here is what you need to know about insurance. So, is travel insurance that covers COVID-19 still necessary? Yes.
We’re here to answer your questions, and tell you what to look out for when choosing travel insurance. So that when you book your next trip, you’re fully covered.
Travel insurance FAQs
Some insurance providers will offer cover, but it’s important to check three things.
1. Firstly, the policy should specifically state that it covers COVID-19.
2. Secondly, you’ll need to find out what exactly they mean by ‘COVID-19 cover’. Does it cover; cancelled flights; hotel quarantine; medical care or repatriation if you contract COVID.
3. If a country is placed on a red list and you need to cancel. Always read the small print and contact the provider if things still aren’t clear.
If the provider states that COVID cover is included, then it should, as long as you bought the insurance before testing positive. Be aware that vaccination status may also be a condition you have to meet in order to qualify for the cover.
This depends. If you have a valid reason for cancelling your holiday, like a family medical emergency or you’ve come down with COVID-19, then your insurance should cover the cancellation costs. But if it is for a less urgent reason, say, for instance, you’re no longer sure it’s the right time to travel, you won’t be covered.
If you have COVID-19 cover, your insurer should cover your cancellation costs. You’ll need to double-check this is covered by your specific policy, and the test you took and was issued by a UK government-approved test supplier – you’ll need this as proof when you make your claim.
Some policies will cover isolation-related expenses, such as hotel costs or having to cancel any day trips you’ve booked for your holiday. So make sure you check the level of cover before you take out a policy.
If a country introduces quarantine measures before you travel, and in knowing this, you still choose to travel anyway, it’s unlikely the insurer will cover any costs.
Very few insurance providers will cover you if you travel to a destination that goes against FCDO advice. However, it gets slightly more complicated if your destination is put on the red list between booking and departure. When looking for insurance policies, keep an eye out for ‘disruption cover’. This is often an extra but is designed to cover travellers that booked a destination when everything looked good to go.
Since everyone in the UK has now been offered a double dose of the vaccine, more and more insurers are stipulating that travellers need to be fully vaccinated in order to qualify for COVID-19 cover.
Those who are unvaccinated may be refused entry to some countries, and are currently subject to quarantine when they return to the UK. With this in mind, it’s becoming unlikely insurers will cover expenses incurred due to unmet vaccination requirements.
This is not included on many travel insurance policies. However, some policies include SAFI (Scheduled Airline Failure Insurance).
Check to see whether your trip is protected by an official protection scheme such as ATOL or ABTA, as you should qualify for compensation for the holiday itself if your flight is cancelled because of airline bankruptcy. And if you’re already on your trip when the supplier failure occurs, don’t worry. ATOL guarantees that you’ll be provided with a return flight.
If booking your ticket through Skyscanner directly, you will have the option to add travel insurance to your booking at checkout.
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