All our policies include cover for cancellation and curtailment if an insured person named on the policy documentation has a confirmed diagnosis of Coronavirus (COVID-19); and for emergency medical expenses if you get infected by COVID-19 whilst abroad.
You are covered if :
PLEASE NOTE : If the FCDO changes its advice in relation to the country you are travelling to because of COVID-19 or another pandemic and you can't now travel, there will be no cover under this policy for cancellation of prepaid costs including but not limited to activities, accommodation and transport services. You should make enquiries with the providers and review their booking conditions to ensure they will offer a rebooking or refund in such circumstances. You may also want to consider paying these costs with a credit card or debit so you have the option of recovering from your credit card provider or your bank should the provider fail to honour the agreement to refund or rebook.
No cover applies to trips if the Foreign, Commonwealth & Development Office (FCDO) advise against travel to your destination. You can read the FCDO's latest advice here. The FCDO is currently advising against ALL cruise ship travel for British Travellers. If you cancel your policy within 14 days of purchase, you are welcome to a full refund - provided you have not travelled and do not intend to claim. Beyond 14 days you may be entitled to a partial refund. Please check the cancellation terms in your policy wording for details.
If you travel regularly then an Annual Multi-trip Travel Insurance policy can not only give you peace of mind for a whole year as you can travel for up to 31 consecutive days (or 62 days if you're under 65 and have paid the appropriate additional premium) but it can also save you time and money, which leaves you with more time to plan and look forward to your holidays.