What should I do about travel insurance?
As always, everyone on your booking needs to have travel insurance in place.
If you’re buying an annual policy, the start date needs to be the date you book the holiday in order to cover claims made before the trip begins. If your annual insurance policy is up for renewal, please read the T&Cs in case they have changed to exclude Coronavirus related claims.
If you’re taking out a single trip policy, when you provide the holiday’s start date you will be covered from the day you take out the insurance to the day you return home from holiday.
When buying travel insurance now do check for the level of cover provided for any delays or cancellations, and in particular pay attention to "disruption cover" in the T&Cs, which may cover costs for circumstances such as unused hotel bookings or car hire. Contact your insurance provider for the latest information on the conditions of your policy, and in particular, any provisions made for Coronavirus-related claims in the lead up to, and during your trip.
Your Travel Counsellor will also be pleased to talk through the enhanced travel insurance options provided by our partner, Rock Insurance.**
With Rock Insurance, you’re covered before you travel, should you need to cancel your trip due to:
- Being instructed to self-isolate by the Test & Trace system within 14 days of departure
- A member of the insured’s household having a positive COVID test within 14 days of departure
- Being refused boarding at your UK airport regardless of if you then test positive or not
- You’re covered during your trip should you fall ill with Covid-19
- Cover is available should your hotel need to close as a result of Covid-19 Medical Cover is available if you become ill with Covid-19 whilst overseas
- Cover is available if it becomes medically necessary to bring you home Cost of additional accommodation and travelling is covered if you contract coronavirus whilst abroad
Whilst not all travel insurance will cover for COVID-19 claims, the policy should still cover for a range of other issues. We know terms and conditions are not always easy to check, so your Travel Counsellor is always on hand to help, and you can read more about the FCDO’s recommendations on travel insurance here.
Please note, if the FCDO remove a country from its list of those approved for travel, and you continue to travel as planned, your insurance may no longer be valid. In this instance please contact your insurance provider to confirm.
When you travel take details of your insurance policy with you, including your policy number and the emergency assistance telephone number provided by your insurer. Give a copy of your policy details to the people you’re travelling with and friends or family back home in case they need to contact your insurance company on your behalf.