IMPORTANT CORONAVIRUS INFORMATION:
Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses. This general exclusion applies to all sections of cover except for the Emergency Medical Expenses section.
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 FCO advice. So, if the FCO 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 FCO 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. Our Navigator Silver, Navigator Gold or Navigator Diamond (but NOT Motorcycle Silver or Motorcycle Gold) policies have a rather more relaxed approach to this situation. These three policies have a clause which states that, if you choose to travel to a country against FCO advice, your cover is not invalidated, like most travel insurances. However, they will not cover you for claims arising from the circumstances which are giving rise to the FCO advice, so in this case Coronavirus / COVID-19. This exclusion is for all COVID-related problems, whether Medical, Cancellation or Journey Disruption of any kind, but you are covered for accidents and illness etc if the situation is not related to COVID-19 in any way, and is within the normal policy terms & conditions.
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 FCO 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 FCO advice. These are the Navigator Plus, Navigator Standard, Standard Longstay, Backpacker, Motorcycle Silver and Motorcycle Gold. These are valid only if you are travelling to countries on the FCO “safe” list.
Frequently Asked Questions:
Can I be covered if I visit a country against FCO advice?
Our Navigator Silver, Navigator Gold & Navigator Diamond policies are still valid if you visit a country against FCO advice, though they won’t cover claims arising from the circumstances that are giving rise to the FCO advice, i.e. COVID-19. All our other policies are invalid if you travel against FCO advice.
Am I covered for COVID-19 if I catch COVID when I have travelled to a country which is exempt from the FCO 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 FCO 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.