COVID 19: Find Out More About How Our Policies Can Protect You And Your Trip.

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coronavirus cover, to give you peace of mind

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After what feels like a lifetime, the pandemic is gradually drawing to a close. International travel is a possibility once more, and now more than ever, people need a holiday. There’s nothing more appealing than jetting off to your favourite beach, or city, and letting the stress of the last two years slip through your fingers, as you finally feel the sun on your skin.

Whilst some people might be comfortable jumping on the next plane as soon as possible, at Insurancewith we understand that everyone’s situation is different, and it’s natural to feel apprehensive about finally travelling again. To help ease any worries you might have, we’ve tailored our policies to provide coronavirus cover to ensure that you can feel confident when you next decide to travel.

What does our Coronavirus cover include?

Included as standard on all our policies

  • Cancellation cover in the event that you test positive in the 14 days leading up to your trip.
  • Cover in case you need to curtail/cut your trip short, due to a positive COVID-19 test result.
  • Cover for medical expenses and repatriation if you’re diagnosed with COVID-19 during your trip.

Additional cover provided with the COVID-19 extension

  • Cover if you need to cancel your trip due to being asked to self-isolate
  • Cover if you need to self-isolate during your trip after testing positive.
  • Cover for Localised quarantine in case your hotel is placed into compulsory quarantine.
  • Cover for missed departure from the UK due to delayed test results.
  • Cover for disruption of your journey back into the UK, if caused by governmental changes to re-entrance requirements.
  • Cover for repatriation and medical expenses for claims linked to COVID-19 when the FCDO has advised against all but essential travel, and you have travelled against their advice.

Please review our policy wordings for a full description of the cover described above.

If you are an existing customer who has questions about how COVID-19 impacts your policy, or you wish to make a claim, then please visit our FAQ’s page for more information on these topics.

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What countries can you travel to?

The FCDO has recently marked the vast majority of countries around the world as ‘safe’ for travellers to visit. Your destination of choice may have specific entry restrictions and requirements though, so it is really important to check the FCDO’s advice before travelling.

What about any changes in relation to travel?

For up to date information on travelling to and from the UK following the pandemic, please visit the FCDO’s website for full details.

Our Coronavirus Travel Top Tips

Before booking your holiday and travel insurance it is recommended that you check the latest FCDO advice to ensure that your destination is safe to travel.

As the situation is ever-changing, our top tips include:

Coronavirus Travel Insurance FAQs

Yes, you will be covered as standard with any of our Insurancewith products for any emergency and necessary emergency medical treatment, including repatriation, as a result of Coronavirus.

Your policy will also cover you for all other emergency medical treatment abroad as per the terms and conditions of the policy.

From 14th March 2020, all Insurancewith’s products exclude cover for cancellation claims due to COVID-19.

From August 13th 2020, our Sapphire and Platinum policies for single and multi trips will provide cover for cancellation if you or anyone named on your policy test positive for COVID-19 up to 14 days prior to travelling.

If you are unable to travel and you haven’t made a claim or travelled on the policy, you could be entitled to a partial or pro-rata refund if you were to cancel it. For more information about this please click here.

From the 19th May, we now cover for cancellation in the event that you have to isolate at home due to coronavirus on Sapphire and Platinum policies.

Alternatively, you could move your travel dates if you are simply postponing your holiday by clicking here.

If your airline or tour operator have cancelled your travel plans, it is their responsibility to either change your dates or offer you a full refund.

Which? has provided some great insight into different companies and how to seek your refunds, which you can find here.

As of 13th August 2020, Insurancewith Sapphire and Platinum policies for single or multi trips will provide cover if your airline goes into administration as a result of the pandemic.

Yes, no problem! If you have a Single Trip policy, we have an online form you can fill out and we’ll get that sorted for you online.

There may be an increased cost to your policy if you are extending the duration, changing the geographical destination or moving your dates more than 12 months from the original date of purchase.

To fill in the form, please click here.

If you are travelling on a domestic trip to enjoy a well-deserved staycation, you can purchase Insurancewith UK travel insurance on our single trip and multi trip policies. Our policies include additional benefits which are tailored to travel in the current climate including:

  • Cancellation cover if you or anyone named on your policy test positive for COVID-19, 14 days before you are due to travel.
  • Cover in the event that you catch Coronavirus during your trip and require medical attention or repatriation
  • Cover to come home early from your trip as a result of getting coronavirus

*Terms and Conditions apply, please check our policy wordings for more information.

If you purchased from 14th March – 12th August 2020, all Insurancewith’s products excluded cover for cancellation claims due to COVID-19.

If you purchased from August 13th 2020 – 18th May 2021, our Sapphire and Platinum policies for Single and Multi-trips will provided cover for cancellation if you or anyone named on your policy tested positive for COVID-19 up to 14 days prior to travelling.

From the 19th May 2021, we now also cover for cancellation in the event that you have to isolate at home due to coronavirus on Sapphire and Platinum policies.

If your travel plans have changed or your holiday has been postponed, you could move your travel dates by clicking here.

Alternatively, if you are unable to go on your trip and you haven’t made a claim or travelled on the policy, you could be entitled to a partial or pro-rata refund if you were to cancel it. For more information about this please click here.

If you have an Insurancewith Single or Multi-Trip policy you can enjoy the following benefits:

  • Cover should you fall ill with COVID-19 abroad and need to be brought home
  • Cover if you fall ill with COVID-19 abroad and need medical treatment abroad
  • Cancellation cover if you are made redundant after you booked your trip

Our Sapphire and Diamond policies offers additional cancellation cover should you:

  • Show symptoms of COVID-19 whilst on your trip and must self-isolate in your accommodation and you would like to claim for any cancelled pre-booked excursions
  • Be denied boarding at the airport due to detected symptoms of coronavirus
  • Your airline goes into administration due to the pandemic
  • Have to isolate at home due to coronavirus
  • Test positive for COVID-19 up to 14 days before departure and are unable to travel

If your airline or tour operator has cancelled on you, it is their responsibility to either change your dates or offer you a full refund.

Which? has provided some great insight into different companies and how to seek your refunds, which you can find here.

As of 13th August 2020, Insurancewith Sapphire and Platinum policies for single or multi trips will provide cover if your airline goes into administration as a result of the pandemic.

Unfortunately, there’s no bulletproof way to protect your holiday from coronavirus. That being said, there are ways to protect yourself against financial loss, as best as possible. Make sure you’re staying up to date with government restrictions and take out a quality travel insurance policy which offers enhanced covid-19 cover.

When researching and comparing cover do keep in mind that all policies and insurers are different, so when a policy covers coronavirus this could mean it will only provide cover for certain scenarios. The policy wording will explain in detail what can and cannot be covered – so read it thoroughly.

If you fall ill with coronavirus whilst you’re away, then we can cover up to £10 million in emergency medical expenses (as long as you haven’t travelled against the advice of the FCDO).

You can also get cover up to £250,000 should you become unwell with coronavirus and need to return home early. Bear in mind that, should the country you’re visiting or returning to require quarantining after a positive test, then you would have to comply with these rules.

The price of travel insurance varies depending on where you’re going, how long for, how many people are on the policy and whether you want additional or higher cover levels. Our Sapphire and Platinum products provide our widest range of travel insurance protection (including cover for COVID-19 at no extra cost). For more information, click here.

On all Sapphire and Platinum Single and Multi-Trip policies, purchased from 13/08/2020, you’ll have cover should you test positive for COVID-19, up to 14 days prior to departure and therefore are unable to travel. If you do need to claim, you will need confirmation of positive test results and no symptoms or diagnosis prior to purchasing your policy.

If you are already away, then unfortunately you cannot take out a policy with us, as we can only cover trips starting and ending in the UK.

If you are someone that goes away frequently and often forgets about travel insurance until you’re away, then taking out a Multi-Trip policy whilst still in the UK might be your best option. This covers you for an unlimited number of trips across a 12-month period, meaning you don’t have to take out a different travel insurance policy every time you go away.

Cover may be extended for the following reasons:

  • If you are hospitalised, require medical treatment and are unable to fly.
  • If your transport is disrupted or delayed.
  • If you cannot return home for any reason beyond your control

Question not been answered? Click here, for more coronavirus FAQs.

It is important to note that our travel insurance policies will only be valid if the FCDO has marked your destination country as safe to travel (unless you have purchased our COVID-19 extension, which includes cover for medical expenses related to coronavirus when travelling against FCDO advice also related to the COVID-19 outbreak). Our COVID-19 Extension covers you in the event that Government travel requirements impact your return to the UK . Before booking your holiday and travel insurance it is recommended that you check the latest FCDO advice to ensure that your destination is safe to travel.

Other changes to travel will involve travellers providing their journey and contact details 48 hours before arriving back to the UK.
As the details surrounding the pandemic are forever changing, we suggest you:

  • Keep up to date with the latest travel news in relation to your holiday destination.
  • Read the government’s guidance on safer air travel.
  • Purchase travel insurance as soon as you book your flights or accommodation.
  • Keep up to date with the FCDO’s advice surrounding your chosen destination.
  • Adhere to social distancing and use hygiene protection methods.
  • Wear facial protection on airlines.

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