Find out what you can and cannot be protected for before any vacation plans for Easter or this summer.
Despite the UK relaxing travel restrictions for people arriving in the country, anyone planning a holiday abroad this Easter or over the summer should be aware that other nations and airlines have different policies and constantly changing regarding Covid-19. Travel insurance remains crucial in the event of a flight delay or cancellation, as many easyJet customers discovered this week.
It is always important to check which travel insurance company offers the right level of cover for you and your family and almost all of them have some type of cover for eventualities related to Covid. However, it is also important that you are aware of common policy exclusions.
With that in mind, we’ve compiled a guide to what might not be covered and examine the Covid stances taken by the most popular travel insurance providers in this country, including MoneySupermarket, Confused.com, the Post Office and Aviva, as reported by DevonLive.
The key circumstances where you are unlikely to be covered
It’s always a good idea to check with individual providers, but our research suggested that most companies won’t offer coverage for the following:
- If your destination country changes its restrictions and you can no longer travel to it
- If the UK government puts the UK on lockdown or changes its travel rules
- If the NHS asks you to self-isolate because you’ve been in contact with someone with coronavirus, even if you don’t have it
- You are unable to meet the quarantine requirements when you return to the UK
- You refuse to comply with the quarantine requirements when you return to the UK
- If you choose not to travel for any reason, even if you do not feel safe
- If you travel anywhere against the advice of the FCDO (Foreign Commonwealth and Development Office)
One way to give yourself additional protection, in addition to that available in a travel insurance policy, is to book accommodation and flights that have free cancellation or rebooking clauses. A check of each insurer’s policies will also give you peace of mind regarding what is and is not covered.
Most major insurance websites will offer the opportunity to generate a quote online and will describe what is and is not covered in a policy. MoneySuperMarket makes sure that all the companies on their comparison website offer Covid medical cover and a means of returning to the UK.
Some providers will offer more comprehensive coverage as an upgrade to their standard policies.
Major insurance sites like Confused.com inform customers that all policies will be void if you travel where the Government or the Foreign, Commonwealth and Development Office (FCDO) advise you not to. make. However, they do have policies that offer protection for essential travelers.
Quotes start from as little as £2.10 on their website.
Aviva customers are also subject to the same rules regarding holidays taken against FCDO advice, but offer Trip Interruption Cover, which means that money spent on a holiday can be claimed if the destination country is blocked or modifies its restrictions. Claims must be made within 31 days and you must be able to show that the restrictions were not in place at the time you booked your holiday.
The post office offers protection if you contract Covid on holiday or if you miss a flight while waiting for a test result. However, that coverage will be lost if you bought a policy after receiving a positive Covid test or while waiting for a test result if you must fly within 14 days.
LV will cover you if you have been asked to self-isolate because you have been in contact with someone who has Covid. If your vacation spot imposes new restrictions that force you to leave the country immediately, they will also cover the expenses caused by your return home.
Almirante offers protection if you, or someone you are traveling with, contracts Covid. Again, that coverage won’t apply if, when you bought the policy, you were showing symptoms of Covid or were awaiting a test result.
They also don’t offer protection should there be a Covid outbreak at your holiday destination, even if it means you can’t stay in your pre-booked accommodation.
Staysure provides coverage if you, or someone you are traveling with, tests positive for Covid within 14 days of travel and needs to cancel your vacation. They will also protect you in the event that you are unable to travel due to an allergic reaction or illness that meant you were unable to complete your vaccination course, or if you are asked to self-isolate by the NHS or the Track and Trace app.
In addition, they will help you return home if you have to leave your vacation spot due to Covid and provide you with a daily allowance if you need to self-isolate abroad.
As well as providing cover should you be asked to self-isolate by the NHS and if an illness or allergic reaction prevents you from completing your vaccination course, Avanti offers protection should you be unable to board a plane due to a positive Covid test. or a high temperature. . There will also be a daily allowance available for anyone who has to self-isolate on vacation. You can see his full Covid cover on his website.
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