Coronavirus Travel Insurance



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.

Find out the best price for your activity travel insurance

Annual Multi-Trip

Cover for multiple trips
  • Up to 45 days each trip
  • Option to extend to 62 days
  • Special deals for couples and families
Learn More

Long Stay Single Trip

Cover from 2 to 18 months
  • Gap years
  • Extended backpacking
  • Career breaks
  • Volunteering
  • Studying
  • Working holidays abroad
Learn More

Short Stay Single Trip

Cover for up to 45 days
  • Single holiday
  • Business trip
  • Special rates for families
  • Accompanied kids go free
Learn More


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



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.