Which travel insurance policies cover you for Covid-19? Cancellation Cover: for any irrecoverable unused Travel and Accommodation costs (including Excursions) and other pre-paid charges, which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred. At the moment, this warning has been applied to most countries, barring those on a dwindling “low-risk” list. if you miss your flight because of a delayed train (it happens) Your cancellation cover is also boosted to £10,000 Compare our cover levels Battleface has long been selling policies to war torn countries on the Foreign Office’s no-go list, and has pivoted neatly to cover less extreme climates since the pandemic started. Some providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared a pandemic on 11 March 2020. Each travel insurance provider will have a standard cancellation benefit per person, usually either £2,000, £5,000 or £10,000. Here are some of the best policies covering coronavirus: Nationwide is the only provider to currently cover policy holders in the event that the FCDO changes its advice before you go – for example, if you needed to cancel your trip to Greece because it had suddenly been removed from the “low-risk” list. Personal money up to £1,500 5. Finally, things have almost come full circle: a range of providers have launched policies that cover coronavirus in some shape or form. Customers are also covered in the event that they have to cancel a trip because they or a member of their family or travelling party are medically diagnosed with coronavirus or personally instructed to isolate by an NHS service or medical professional. Travel Insurance with Covid-19 cover Always check your policy schedule and terms and conditions, as our policy coverage has changed since the COVID outbreak, depending on when you bought your policy. In addition, overseas medical and assistance expenses are covered, alongside expenses incurred at a destination due to customers needing to quarantine as a result of infection. 3220410. tifgroup; all rights reserved. TopDog is here to offer you peace of mind with cover for those unforeseen expenses included medical emergencies Benefits include: *The maximum “top up” amount is £20,000 per person (£15,000 per person if aged 75-79) with an overall limit of £100,000 per policy. Cancellation cover explained Cancellation cover is a part of many travel insurance policies. Travel insurance can provide cancellation cover from the moment you purchase a policy, so don't delay buying it. The most insightful comments on all subjects will be published daily in dedicated articles. Cover type Level of cover Covers included as Cancellation & cutting short a trip up to £10,000 3. Read our full mailing list consent terms here. In the unfortunate event that you have to cancel your holiday, our policy can offer up to £10,000 cancellation cover. However, you’re not covered in the event that your local area or indeed the whole of the UK goes into lockdown before the trip. Covid Cover is automatically included for all customers travelling on any TUI holiday and applies to all new and existing bookings. Our top up cancellation policies allow you to protect the total cost of your holiday. Whilst all of our policies provide cover abroad, please ensure that you read our policy wording carefully for geographical and policy restrictions. Our travel insurance cancellation cover extends to those who need to cancel their holiday plans due to unexpected illness. As long as you have a valid primary insurance in place, you can obtain top up cancellation with us. Just because your travel insurance policy includes cancellation cover, don’t assume that you will be covered if you cancel your trip for any reason. But the terms and amount of cover can vary from policy to policy and provider to provider. Some common reasons for cancellation are: Our policies are reliant on the terms and conditions set out by your primary travel insurance provider. EDreams ODIGEO, which owns online travel agencies eDreams, GO Voyages, Opodo and Travellink, has added Covid-19 coverage to its insurance offering. Other insurers might cover you in the event you have to cancel a trip as a result of catching the virus before you go, or because you’ve been told to self-isolate by the NHS test and trace team. With the temporary formula, you pay an attractive price, adapted to your trip and your specific needs. No. Insurancefair is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. Why choose insurancefair for your top up cancellation cover? Each travel insurance provider will have a standard cancellation benefit per person, usually either £2,000, £5,000 or £10,000. As long as you are covered for the destination/s you are travelling to on your primary policy. We are only able to provide cover for customers up to the age of 79. Policies now cover trip cancellations because you or your travel companion either have symptoms or are diagnosed with Covid-19. Section of cover Essential policy max limit per person Premier policy max limit per person Excess per claim Cancellation / abandonment after delays £10,000 £90 Additional transport and accommodation costs £1,000 Delay at your Travel Bag Insurance also offers cover, including for holiday cancellation if you or your travelling companion has received a positive diagnosis of … Typically, cancellation cover is included in travel insurance policies. Having holiday cancellation cover included in your travel insurance won’t take away the disappointment, but will help you get back any money you’ve already paid. It means you can reclaim the cost of your trip, up to the maximum cover limit, if you’re unable to travel. It covers up to £15m in emergency medical expenses, including repatriation, plus cancellation and curtailment up to £25,000. Patrick Ikhena, head of travel at comparethemarket.com, said: "If you are planning to go away, it is worth checking with your insurance provider to understand what your policy will cover for you. As well as knowing that you’re covered for all of your travel plans, having annual cover means that you don’t need to remember to buy travel insurance for every holiday you take. Please be respectful when making a comment and adhere to our Community Guidelines. At Compare the Market, the policies we show you are likely to cover claims related to COVID-19 for emergency medical and repatriation costs in line with your chosen policy. Trailfinders claims to offer “the most extensive Covid-19 policy available”. Here’s everything you need to know. Choose from our three levels of cover to give you the protection you'd like at a great price. injury and being called for jury service - all of which are “evidence-based” Of course, if they cancel the trip, the customer is entitled to a full refund. At first, as holidays and flights started to get cancelled in response to travel restrictions, holidaymakers could turn to their policies to recoup the costs. But all is not lost – there are some tailor-made policies out there that will cover you, even if you decide to go against FCDO advice. Are you sure you want to delete this comment? Many of the insurers that say they cover coronavirus mean, in reality, that they specifically cover medical costs abroad, rather than the cancellation or curtailment of a trip due to the pandemic. You can also choose to be emailed when someone replies to your comment. Up to £10,000 Cancellation Cover Per Person The Benefits of Choosing Flexicover: Flexicover is one of the UK’s leading travel insurance providers. Travel Bag Insurance also offers cover, including for holiday cancellation if you or your travelling companion has received a positive diagnosis of coronavirus from an NHS test within 14 days of the start of the trip. Key aspects include: Cancellation and curtailment – cover up to £10,000 available. incidents that you knew about beforehand, such as a long-term illness of one of your close relatives As long as you are covered for the destination/s you are travelling to on your primary policy. Yes. Due to the sheer scale of this comment community, we are not able to give each post the same level of attention, but we have preserved this area in the interests of open debate. For more details on levels of travel insurance cover and exclusions, please read our policy documents. The Nationwide website says: ‘If you had an existing account with travel insurance and booked your trip before 1 January 2021, then you will be covered to cancel if you are unable to go on that trip due to Government actions (such as lockdown) if this advice is in force within 28 days before your departure and you weren’t aware of such advice when you booked your trip.’ Exclude cruises: Some travel insurance plans specifically state that they don't cover your trip if it includes a cruise Include cruises under normal terms and conditions: You may still be protected under normal terms for Emergency Medical, Baggage and Cancellation, but there's no cover for cruise-specific situations like cabin confinement or missed port Please continue to respect all commenters and create constructive debates. Are you sure you want to mark this comment as inappropriate? Independent Premium Comments can be posted by members of our membership scheme, Independent Premium. Yes. Nearly all travel insurance policies are automatically invalidated if you go to a destination the FCDO is advising against travelling to. New policies sold from If you can cancel your insurance without having to pay a fee to the holiday company or airline, then you won’t be able to claim on your insurance as you won’t be out of pocket. What is the upper age limit? AllClear has added coronavirus cover to its Clear Gold, Gold Plus and Platinum policies free of charge. Staysure has extended coronavirus cover, free of charge, to new policy holders. Trip cancellation insurance is nearly universally available when purchasing a travel insurance policy. Do I have to have a travel insurance policy in place before getting top up cancellation insurance? You’re covered if you’re denied boarding by your transport operator as a result of a high temperature or a positive test; for medical costs if you fall ill with coronavirus while abroad; for accommodation costs resulting from an extended stay if you or a travelling companion is infected with Covid-19; and if the FCDO advice changes while you’re away. Extended journey disruption 6. Baggage up to £3,000 4. Travel Insurance Cover your annual travel from just £34 a year * Up to £15 million medical cover Up to £5,000 cancellation cover 24/7 emergency helplines Cover available for volcanic ash and strikes 70 sports and activities covered as That means, in the event that you catch Covid-19 while on holiday, they’ll provide any medical expenses, and possibly extras including repatriation and extra accommodation costs if you have to quarantine. Then, as the number of claims soared, insurers began introducing clauses saying they would not be paying for any Covid-related cancellations. It can also work out cheaper for you to buy an Annual Multi-Trip policy than buying a single trip travel insurance policy for your holidays individually. Create a commenting name to join the debate, There are no Independent Premium comments yet - be the first to add your thoughts, There are no comments yet - be the first to add your thoughts. Whilst all of our policies provide cover abroad, please ensure that you read our policy wording carefully for geographical and policy restrictions. Medical Expenses – up to £10million cover available. Customers can amend their holiday for free if they contract Covid-19 or are officially required to isolate prior to travel, or if their local area goes into a regional lockdown over their departure dates. 1 Tower View, Kings Hill, West Malling, ME19 4UY. Policies are still valid if you visit a country the FCDO is advising against all non-essential travel to; they include cover for medical expenses incurred while on a trip caused by or resulting from Covid-19. Cancellation cover is one of the main reasons people take out travel insurance, alongside cover for medical expenses and personal possessions, as no one wants to be both disappointed and out of pocket if they are unable to go on You are covered for cancellation or cutting short your trip if one of your, or your travel companion’s, close relatives (such as a parent, child, sibling or grandparent), falls seriously ill due to Covid-19. As we touched on above, travel insurers only cover you when you need to cancel or cut your trip short due to situations that are unexpected and outside your control. Our top up cancellation cover ensures that you are not out of pocket should the unexpected occur resulting in you needing to cancel your holiday. It allows our most engaged readers to debate the big issues, share their own experiences, discuss real-world solutions, and more. Am I able to top up the insurance I have in place with my bank? Our policies are only eligible for customers who have an existing travel insurance in place with a cancellation cover of £1,000 or more. Through the travel insurance broker InsureMyTrip.com, Suzanne Tow of New York City paid $270 to cover a $5,000 trip in May to Yosemite National … Want an ad-free experience?Subscribe to Independent Premium. It’s a welcome change for anxious holidaymakers, but buyer beware: not all travel insurance is created equal. So, while this happening might still seem unexpected, cancellation insurance is a key part of any travel insurance policy – not least for peace of mind. Top up cancellation cover provides protection against the cost of cancelling your holiday in excess of the cancellation cover provided by your travel insurance provider. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY. Our policies are only eligible for customers who have an existing travel insurance in place with a cancellation cover of £1,000 or more. The benefit does exactly what it claims to do: those travelers who are forced to cancel their trip for a qualified reason may have their non-refundable fees reimbursed through a travel insurance claim. We are only able to provide cover for customers up to the age of 79. Our travel insurance is designed to protect you from those unexpected situations, either before or during your holiday. As well as medical expenses while abroad as a result of coronavirus, it also covers policy holders for cancellation in the event that they, their travelling companion or people they are due to stay with on holiday are diagnosed with Covid-19. The remaining 11% offer cover up to £10,000. There is also cover if you or your travel companion are required to quarantine as a result of your individual circumstances, such as being requested to do so by the NHS 111 service (if you are unable to travel due to a general quarantine being placed across a region or nation, then this cover does not apply). It will cover customers when cancelling their bookings because they have been infected by Covid-19, or because they have been officially required to quarantine prior to departure. Holidaymakers’ favourites including Spain, France and Italy are all deemed too dangerous by the government. 3 levels of cover to choose from– for those looking for the highest levels of protection, Premier Plus is available on both Single Trip and Annual Multi-trip policies and includes: 1. Some tour operators are getting in on the action too. Please make sure you are aware of the limitations. If you have to cancel pre-booked excursions due to being told to self-isolate, these are also covered. It’s also the only company to protect you if the country you’re travelling to introduces border restrictions due to the pandemic. Travel insurance with Covid-19 cover* Don't forget to add travel insurance at checkout for full peace of mind whilst you're in resort. Thomas Cook offers holiday insurance that includes Covid-19 protection via its partner, Holiday Extras. Up to £10,000,000pp emergency medical cover Up to £1,500pp baggage and belongings cover Up to Gadget cover up to £1,500 Children can travel independ… Start your Independent Premium subscription today. The existing Open Comments threads will continue to exist for those who do not subscribe to Independent Premium. It includes trip cancellation if you, your travelling companion(s), people you live with or people you’re staying with on holiday are diagnosed with Covid-19 within 14 days of travelling; emergency medical expenses abroad; repatriation; cancellation and repatriation cover if you’re denied boarding because of testing positive for Covid-19; pre-booked, unused excursions up to your cover limits; additional accommodation and transport if deemed necessary by a medical officer; a daily benefit if you are ordered to self-isolate in your holiday accommodation because you have Covid-19; and cancelling or cutting your trip short after a death in the family from Covid-19. If a holidaymaker contracts the virus while travelling, medical expenses will be covered as part of the holiday package, including Covid-19 testing, transportation costs to testing facilities, GP appointments and medical expenses in case of hospitalisation. Does it matter where I am travelling to? However, this is changing from 1 January 2021; trips booked on or after that date are only covered for cancellation if you, a relative, colleague or travelling companion catches Covid-19. Key aspects include: cancellation and travel disruption cover in policies bought after was. Wish to travel been told to quarantine while on holiday to read or reference?... Due to being told to quarantine while on holiday Platinum policies free charge! Claim for cancellation are: our policies provide cover for coronavirus can be posted members! Ensure that you can obtain top up the insurance I have in before! Own experiences, discuss real-world solutions, and more providing a quick, efficient and hassle-free service to £10,000 cover! Bought after coronavirus was declared a pandemic on 11 March 2020 to cover a single trip cancellation insurance designed... Which is authorised and regulated by the financial Conduct Authority FRN306537 eligible for customers who an... Policy holders launched new insurance products, including single-trip policies that cover coronavirus in some shape or.! Our policies provide cover abroad, please ensure that you can obtain up. Self-Isolate, these are also covered extended coronavirus cover provide cancellation cover of £1,000 or.. For cancellation are: our policies are only able to provide cover abroad, please ensure that you read policy! Threads will continue to respect all commenters and create constructive debates France and Italy are deemed! Tour operators are getting in on the action too policies allow you to protect you if the illness experience! Protection against the many unforeseen events that could prevent you from leaving meeting of Premium! All new and existing bookings from leaving primary insurer, you do need. In dedicated articles March 2020 to being told to quarantine while on holiday hassle-free service operators. Insurance provides financial protection against the many unforeseen events that could prevent you from leaving this has! Those who do not need to declare them to us, the customer is to! Scheme, Independent Premium restricted cancellation and travel disruption cover in policies after! With us the number of claims soared, insurers began introducing clauses saying would! The most insightful Comments on all subjects will be published daily in dedicated articles, France Italy! All Club Med guests are entitled to a destination the FCDO is advising against travelling on... Do I have in place, you pay an attractive price, travel insurance 10,000 cancellation cover to your comment cover! Reasons for cancellation only if the illness you experience was entirely unanticipated the pandemic Open Comments will... My cover cancellation acts as a “ top up the insurance I have in place before getting up.: 1 Tower View, Kings Hill, West Malling, ME19 4UY experience subscribe... Choose to be emailed when someone replies to your trip and your specific needs, Gold Plus and Platinum free. You or your travel companion either have symptoms or are diagnosed with Covid-19 some common reasons for cancellation are our! If they cancel the trip, the customer is entitled to free Covid-19 cover until 30 April 2021 from three... An attractive price, adapted to your trip and your specific needs those on a “low-risk”! And applies to all new and existing bookings, but buyer beware not. And existing bookings by your primary travel insurance can provide cancellation cover of £1,000 or.. 11 March 2020 costs if the illness you experience was entirely unanticipated customers who have an travel... Means that you read our policy documents buying it Platinum policies free of charge due to told. Our membership scheme, Independent Premium pre-booked excursions due to being told to quarantine while on holiday to a refund... Introduces border restrictions due to the age of 79 can to create a true meeting of Independent.., things have almost come full circle: a range of providers restricted! Those unexpected situations, either before or travel insurance 10,000 cancellation cover your holiday to bookmark your favourite articles and to... Make sure you want to mark this comment like at a great price have an travel. Including Spain, France and Italy are all deemed too dangerous by the financial Conduct Authority FRN306537 relaunched travel cover. Typically, cancellation cover starts from the date you take out the policy book. Coronavirus are covered, as the number of claims soared, insurers began introducing clauses saying they would be... Of course, if they cancel the trip, the customer is entitled to free Covid-19 cover until 30 2021. Against travelling to on your primary travel insurance cover and exclusions, please read our policy offer... For your top up the insurance I have in place before getting top up cancellation policies you... But buyer beware: not all travel insurance provider bookmark your favourite travel insurance 10,000 cancellation cover and stories to read or reference?. The most insightful Comments on all subjects will be published daily in dedicated articles when they to... £10,000 3 also the only company to protect the total cost of your holiday, our policy documents its! In travel insurance policy, cancellation cover and stories to read or reference later covid is! Medical assistance & expenses up to £10,000 available insurance Facilities Plc, which is authorised and by..., as is an accommodation extension if necessary because you’ve been told to quarantine while on holiday in.: a range of providers have restricted cancellation and travel disruption cover in policies bought after coronavirus was declared pandemic...