| You are covered for: |
||
|---|---|---|
| Scenario | Cover Stance | Relevant Exclusions |
| You fall ill with COVID-19 (or other Pandemic illness) abroad requiring medical treatment abroad | Covered as standard | No cover if travelling against government, FCO,or medical advice |
| You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UK | Covered as standard | No cover if travelling against government, FCO, or medical advice |
| You fall ill with COVID-19 (or other Pandemic illness) abroad and you need to extend your stay, incurring additional costs | Covered as standard | No cover if travelling against government, FCO, or medical advice |
| You fall ill with COVID-19 (or other Pandemic illness) at home and cannot travel | Covered as standard | Subject to medical certification / test result. There is no cover if symptoms or diagnosis occurred prior to your policy purchase |
| You show symptoms of COVID-19 whilst on your trip and must self isolate in your accommodation. You would like to claim for any cancelled excursions. |
Covered as standard | No cover if travelling against government, FCO, or medical advice |
| You or a household member has to self isolate at home and cannot travel | Covered as standard | Subject to medical certification / test result. There is no cover if you were requested to isolate prior to your policy purchase |
| You have been denied boarding at the airport due to detected symptoms of COVID-19 |
Covered as standard | There is no cover if symptoms or diagnosis occurred prior to your policy purchase |
| No travel restrictions exist at time of purchasing your insurance or booking your holiday. Government or FCO restrictions are later introduced due to a non-pandemic illness stopping you from travelling |
Covered as standard | |
| No travel restrictions exist at time of purchasing your insurance or /booking your holiday. Government or FCO restrictions are later introduced in relation to a non-pandemic illness requiring you to quarantine upon arrival (or upon return home) and you no longer wish to travel | Covered as standard | |
| You are due to stay with family. A family member who you are due to stay with has to self isolate due to pandemic illness. You wish to cancel the trip as you no longer have anywhere to stay | Covered as standard | Subject to medical certification / test result |
| Your trip needs to be cut short as a close relative has passed away from COVID-19 | Covered as standard | There is no cover if your relative was already hospitalised before you left on your trip |
| Your airline goes into administration due to the pandemic |
Covered as standard | |
| Your travel provider (other than an airline) goes into administration due to the pandemic |
Covered as standard | |
| You are not covered for: | ||
| Scenario | Cover Stance | Relevant Exclusions |
| Current government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing your insurance or booking holiday and restrictions remain in place at time of departure preventing you from travelling | No cover | There is no cover for circumstances known to you at the point of purchase |
| Current government or other regulatory authority restrictions due to a pandemic were in place at time of departure and you chose to ignore this advice and travelled | No cover | There is no cover under your policy if you travel against FCO or other government advice |
| Current government or other regulatory authority restrictions are removed but are later reinstated due to COVID-19 pandemic (or other Pandemic illness) and prevent you from travelling | No cover | Your policy does not cover cancellation due to a pandemic |
| No government restrictions are in place at time of purchasing insurance/booking holiday. A new pandemic is declared and government restrictions are put in place and prevent you from travelling | No cover | Your policy does not cover cancellation due to a pandemic |
| Current government or other regulatory authority restrictions due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday | No cover | Your policy does not cover cancellation due to a pandemic or disinclination to travel |
| You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday | No cover | Disinclination to travel is not covered |
| Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund | No cover | Your policy only covers irrevocable losses. Please note that in most cases you should have a legal right to a refund |
For the full limits of cover for your chosen policy please refer to your schedule of cover. Terms and Conditions apply.
* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.
** If travelling against government (ie FCO) or medical advice.
