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Travel Insurance | Thing to Consider When Booking a Holiday

07 October 2021

This year we have seen international travel slowly reopen as the world begins to recover from the pandemic and global restrictions for travel are eased. Most notably with the recent move from the United States to allow the arrival of EU and UK travellersIf you're thinking of travelling, you need to be thinking about travel insurance.

Throughout the pandemic, the Global Travel Taskforce report has been assigning countries to red, amber and green categories based on their level of risk. Each colour will have different rules around testing and quarantining, with green countries having the fewest rules. See the full list here. 

It is understandable to be nervous about travelling. We are not yet living in a Covid-free world and making it away on holiday is not a given, so what are the risks and how can you protect yourself with our Premier or Elite travel insurance?

 

What is Covered?

 

•    You or someone you are travelling with falls ill with Covid-19 and you must self-isolate. If you cannot delay or postpone your trip, you can claim a loss of travel and accommodation if this cannot be recovered from the tour operator or airline. 

•    You have been asked to self-isolate by NHS Test and Protect. As above, if you cannot delay or postpone your trip, you can claim a loss of travel and accommodation if it cannot be recovered from the tour operator or airline. 

•    You are infected with Covid abroad and need medical assistance. You are covered for the costs of emergency treatment. You can also claim for additional travel accommodation (room only) and travel expenses to return home with a relative or friend if a doctor recommends that they accompany you. 

•    You get sick abroad and you have to cut short your holiday, or, you are forced to isolate and cannot make your return journey home. You can claim irrecoverable pre-paid costs for the unused portion of your trip. You can also claim for additional travel accommodation (room only) and travel expenses to return home with a relative or friend if a doctor recommends that they accompany you.

•    The airline does not allow you to board the plane because you or the person you are travelling with is showing signs of Covid. You can claim travel and accommodation losses that cannot be recovered from the tour operator or airline. 

•    FCDO notifications change while you are abroad, so you need to shorten your trip. If you are asked to evacuate, you can claim for the additional fee to return to the UK. 

* Each of the above coverage has policy restrictions. For more information, please visit our travel insurance page. 

 

What is Not Covered?

 

Before making a booking it is very important that you carefully read and understand the terms and conditions of what happens if you cannot go on your trip. 

The general policy exclusions are:

•    The government has applied another blockade and you can't travel

•    FCDO imposes a travel ban on the countries you plan to visit

•    You will have to pay an additional fee to move or postpone your vacation

•    When you return to the UK, you will have to pay to stay at the Quarantine Hotel.

At present many reputable tour operators, travel agencies and airlines can offer free cancellations or allow you to rebook for free. If you're having trouble getting a refund, this advice can help. 

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