Important Covid-19 (Coronavirus) Information
Our policies will no longer provide cover for claims directly or indirectly related to a pandemic and/or epidemic, notably at this time Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever called or any mutation of these. This policy will also not provide cover claims relating to the fear or threat of pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) including any related and/or similar condition(s) howsoever or any mutation of these.
Corona Virus / COVID-19 Directive
Navigator Travel Insurance policies underwritten by Starr Insurance Companies or Travel Insurance Facilities will not provide cover if you decide to travel against the advice of the Foreign and Commonwealth Office (FCO) or its equivalent in other EEA Countries. This would be advice against ‘All Travel’ and ‘All but Essential Travel’.
Alternative polices (such as High Risk Voyager Travel Insurance) may be available from Voyager Insurance Services that would cover travel to a country or region the FCO advises ‘against all but essential travel’ or ‘against all travel’.
If in doubt about the region visited, refer to the FCO Website https://www.gov.uk/foreign-travel-advice or contact Navigator Travel Insurance on Tel: 0161 973 6435 or email: firstname.lastname@example.org
Emergency Medical Expenses Cover
If you catch Coronavirus or require medical treatment, then yes cover will be in place for emergency and necessary treatment, but ONLY if the FCO are not advising against travel to your destination (subject to usual policy terms and conditions).
Customers should be aware that our policies are travel insurance policies and not private medical insurance meaning that there is no cover for any medical expenses incurred in private medical facilities or where treatment could have been received under reciprocal health agreement (unless approved by Underwriters and no other suitable medical facilities are available).
If this is the case, then clients must contact the Emergency assistance team as quickly as possible.
Cancellation and Curtailment Cover
Your Travel Insurance provides cancellation and curtailment cover for costs that cannot be recovered from anywhere else for stated reasons only. In line with other retail travel insurances, it does not cover Cancellation and Curtailment under Exclusion h. due to your disinclination to travel.
This means, that if you choose not to travel or return home just because you are concerned about the Coronavirus, you are not covered for cancellation or curtailment.
This type of event is usually not covered across the travel insurance industry for cancellation. This is because most policies have specific reasons for cancellation and disinclination to travel e.g. due to the “fear of an epidemic, pandemic, infection or allergic reaction” is not one of those reasons.
We would advise travellers who have booked package holidays to a destination affected by the viral outbreak and looking to cancel their trip or amend their travel plans to contact their travel agent or tour operator in the first instance.
If you are not able to amend your trip and have a medical justification for having to cancel, we would be happy to discuss your situation on a case-by-case basis.
Please Note: The Section 20 Enhanced Travel or Terrorism Disruption Option is no longer available to purchase on new policies.
Policy Amendments Due To Travel Plan Changes resulting from Coronavirus
If your travel arrangements are cancelled by the airline, travel or accommodation provider due to Corona virus then Policyholders who booked their trip via a tour operator or travel agent or using a credit card should contact them to see if they can get a refund or have their trip re-arranged.
If you are offered an alternative destination and or dates from your travel agent, we are pleased to advise that we will shift your insurance policy to fit the new trip without any administration charges, providing the new trip is for the same duration and to the same location or geographical area. If your new destination or trip duration requires an additional premium then this will be payable. Please call the customer service team or your broker to discuss your options.
In the event that you are unable to move the trip to an alternative destination, and are offered a refund from your travel agent or tour operator, we are happy to offer a full refund of premium on the understanding that no claim is to be made against the policy. This does not apply to Annual policies.
Underwriters reserve the right to change or withdraw this statement.
This statement is subject to the full policy terms and conditions of the policy wording and any applicable endorsements and does not alter the policy terms and conditions.
If you have any further queries around this matter please contact the Navigator Travel Insurance Support Team at:
More information regarding the coronavirus can be found at: https://www.gov.uk/foreign-travel-advice