MEDICAL AND EMERGENCY EXPENSES
If I travel to affected areas against the FCO advice, will my travel insurance be invalidated?
We would urge you to follow the advice as outlined by the FCO / local authorities and not place yourself at additional risk. Therefore no cover would be provided if you travelled against the advice of the FCO.
If I become ill due to the Coronavirus while I’m overseas, would I be covered for medical treatment overseas?
Yes, cover would be in place, however, you should be aware that treatment is subject to the locally available facilities and medical repatriation or transfer to alternative medical facilities will be subject to any travel restrictions that may be in place.
If I am placed under quarantine whilst overseas and I am unable to return home as planned, am I covered for any additional hotel charges or travel costs?
Unfortunately, there is no cover for additional travel or accommodation costs incurred due to you being placed under quarantine. If you subsequently fall ill, your travel insurance policy provides cover for medical treatment overseas.
CANCELLATION AND CURTAILMENT
I am due travel to an area where the FCO have not restricted travel, am I covered to cancel?
Unfortunately, no cover is provided where the FCO have not restricted travel to a particular country. In the event of you no longer wanting to travel, you will need to contact your tour operator / airline to see if you are able to delay or rebook to another location or seek a refund for your trip.
I am due travel to an area where the FCO have restricted travel, am I covered to cancel?
For “Package” trips, Insurers have agreed to consider cancellation claims where the FCO advise against all or all but essential travel, providing your trip is due to depart on or before 30 April 2020.
For trips that are not part of a “Package”, the Travel Disruption Extension provides cover for cancellation claims arising from FCO or WHO advice against all travel or all but essential travel, provided such restrictions were announced after you purchased the insurance or booked the trip.
I no longer want to travel abroad because I am worried about the spread of the virus. May I cancel?
Unfortunately, disinclination to travel is not covered by the policy.
I am travelling to a sports event/concert/theme park but it is cancelled or closed due to the Coronavirus. Am I covered if I cancel my trip?
Unless the FCO have advised against travelling to your destination then you will not be covered if you cancel your trip
I am due to travel but I have been quarantined by my Doctor? Can I cancel my trip?
If you have been advised to self quarantine, then consideration can be given to your claim. For a claim to be validated your trip must be due to depart within the quarantine period and we would need evidence of the need to self quarantine e.g. you have recently returned from a country where the Government have advised travellers to self quarantine for 14 days. If the quarantine period is due to end before your departure date, this would not be considered as a valid claim.
I'm thinking of booking a trip for six months’ time to an area where the FCO are advising against travel. Would I be covered if I have to cancel my trip?
Travel insurance protects against unexpected events. There is no current indication of how long the current regulatory advice will remain in force, so we would not consider any claim for a trip that was booked while the FCO advice was in place.
Valid as at 09/03/2020
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