Instant Policy Delivery
Secure Online Purchase
Range of Working Activities
Six Different Policies
Option to Extend Duration
Cover for UK Residents
Wide Range of Sports
24 Hr Medical Assistance
IMPORTANT CORONAVIRUS INFORMATION:
IMPORTANT – If you are travelling to a country against FCDO advice, ONLY our High Risk Voyager policy is valid. This policy is primarily for working or studying abroad, though leisure trips of up to 31 days can be covered.
COVID 19 cover
To minimize confusion, we have detailed the Covid 19 cover on our policies below. There are 6 main areas of potential risk associated with Covid 19 and they are not all covered on travel insurance policies:
Cancellation due to catching Covid 19 or testing positive for Covid 19 prior to departure
Navigator Silver, Gold & Diamond – Cover provided (conditions apply)
High Risk Voyager – NO cover
Travel Plus – Cover provided (conditions apply)
Adventures – NO cover
Medical Expenses and Repatriation cover if you contract Covid 19 overseas
All policies (Navigator Silver, Gold & Diamond, High Risk Voyager, Travel Plus and Adventures) – Cover provided (conditions apply)
Quarantine Hotel accommodation
None of our policies cover any quarantine hotel accommodation, either overseas or in the UK.
Journey Disruption during the trip, due to Covid 19
None of our policies cover Covid 19-related Journey Disruption during the trip, though certain aspects may be covered if it is part of a Medical claim, if you become ill with Covid 19 overseas.
Travel to a Country against FCDO advice due to Covid 19
Navigator Silver, Gold & Diamond – No cover at all for travelling against FCDO advice
High Risk Voyager – Cover provided irrespective of FCDO advice (conditions apply)
Travel Plus – No cover at all for travelling against FCDO advice
Adventures – Cover provided for travelling to a country where FCDO advises against ALL BUT ESSENTIAL travel (conditions apply)
Cancellation/Curtailment due to Covid 19-related changes to FCDO advice
None of our policies provide cover if you cancel a trip due to changes to FCDO travel advice relating to Covid 19.
Coronavirus Travel Insurance Policies
With the COVID-19 pandemic, travel has become an ongoing challenge, whether for holidays or business. Most travel insurance policies are completely invalid if you visit a country against FCDO advice. So, if the FCDO state that they “advise against all travel” to a country, or they “advise against all but essential travel”, most travel policies will not cover you at all, if you choose to go anyway. Until recently, the FCDO has advised against all but essential travel anywhere but has now published a list of countries where it is deemed OK to travel. You can view this list here.
Unfortunately, this list can change, as infection rates worsen in certain countries and they are taken off the “safe” list. In these uncertain times, it is important to ensure that your travel insurance is not invalidated if you choose to visit countries that are not on the list.
To get a quote for Navigator Silver, Navigator Gold or Navigator Diamond, select one of these policies from the list on this page.
Our High Risk Voyager policy will cover you if you travel to a country against FCDO advice and will even cover medical claims for Covid 19, irrespective of FCO advice. However, it is primarily for working trips to high risk areas, though leisure trips up to a maximum duration of 31 days can be covered.
The rest of our policies are invalid if you travel against FCDO advice.
Frequently Asked Questions:
Can I be covered if I visit a country against FCDO advice?
Our Navigator Silver, Navigator Gold & Navigator Diamond policies are NOT valid if you visit a country against FCDO advice. Our High Risk Voyager policy is the only policy that we offer which is valid for travelling against FCDO advice
Am I covered for COVID-19 if I catch COVID when I have travelled to a country which is exempt from the FCDO travel advice such as “advise against all but essential travel”?
Our policies will cover Medical claims for COVID-19, as long as you are not travelling against FCDO advice.
What about Cancellation or Journey Disruption claims arising from COVID-19?
At the current time, our policies will not cover Cancellation or Journey Disruption claims arising from COVID-19.
Can I cancel my policy, if I decide not to travel due to COVID, or if my flight gets cancelled due to COVID?
If you cancel within your 14-day cooling-off period, you will get a full refund. After that, it drops to 50% refund. However, you can change dates without charge, if you choose to postpone rather than cancel. If you postpone to dates outside of the contract period of your policy, you may have to pay any difference in cost, if the price on the new contract is higher.
Holiday Makers
Families, couples or individuals
Families, couples or individuals on holiday or business trips for shorter durations.
Travellers
gap years, Backpackers and Career break
Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.
Sports & Adventures
skiing, snowboarding, climbing and more
We offer four policies for people travelling overseas, requiring cover for specific sports and activities.
OFFICE
We operate from a call centre
and there are no facilities to
receive visitors/personal
callers.
