As lockdown measures continue to be rolled back across most of the UK, travel restrictions have also been eased.
The Government has shared a list of ‘air-bridge’ countries for which quarantining for 14 days on your return to England will not be required.
The journey to our new ‘normal’ is still underway, but with the world very much still in the grips of a pandemic, here’s what you need to know about what travel insurance providers are offering.
Can you get travel insurance which covers coronavirus-related incidents?
Some companies have ‘restricted cancellation and travel disruption cover in policies bought’ since Covid-19 was officially declared a pandemic.
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According to MoneySuperMarket.com: ‘Claims related to coronavirus are now likely to be excluded from any travel insurance policy, as it is considered a “known event” that travellers are aware of.’
A number of providers won’t offer any coverage related to coronavirus, while others only offer coverage for emergency medical costs and repatriation in the event that you catch coronavirus while you’re on holiday.
However, as Which points out, the majority of policies won’t cover Covid-19-related cancellations.
There are at least four exceptions to this rule: Southdowns, Coverwise, Insurefor.com and holiday provider Trailfinders.
These providers have amended their policies to cover some types of cancellation claims, such as a cancellation in the event that you catch coronavirus or are exposed to someone who’s caught it and need to self-isolate.
You’ll likely struggle to find insurance to cover your trips to certain countries however, depending on the latest Government advice and guidelines.
Put simply, you’ll be hard-pressed to find travel insurance for any countries that the Foreign and Commonwealth Office (FCO) are still cautioning against ‘all but essential travel’ to.
The MoneySuperMarket website also states: ‘If you’ve already bought insurance and the FCO changes its advice, then you might be covered but you’ll need to check with your insurance provider.’
Since the guidance around coronavirus is changing very quickly, it’s worth checking with insurance providers on a regular basis to see if their policies have changed.
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