According to World Health Organisation,(WHO), the most common symptoms of COVID-19 are fever, tiredness, and dry cough. Some patients may have aches and pains, nasal congestion, runny nose, sore throat or diarrhoea. These symptoms are usually mild and begin gradually. Some people become infected but don’t develop any symptoms and don’t feel unwell.
Most people (about 80%) recover from the disease without needing special treatment. Around 1 out of every 6 people who gets COVID-19 becomes seriously ill and develops difficulty breathing. Older people, and those with underlying medical problems like high blood pressure, heart problems or diabetes, are more likely to develop serious illness. About 2% of people with the disease have died. People with fever, cough and difficulty breathing should seek medical attention.
We understand this has been an unsettling time for all of our customers. Many will had to make alternative travel or holiday arrangements or sadly some may have been cancelled.
If you have any questions, we recommend that you check our FAQs as shown below before contacting us. We apologies for any inconvenience this may cause.
The answers provided to the Frequently Asked Questions (FAQs), as shown below are in respect of policies purchased before 17th March 2020.
Policies purchased on or after 17th March 2020 will only provide cover for the costs of emergency medical treatment (such as medication or hospitalisation) and/or repatriation when you are travelling to a destination where the Foreign & Commonwealth Office (FCO) is not advising against but essential travel.
Frequently Asked Questions (FAQs)
Planning to travel:
Q : If I travel against the Foreign & Commonwealth Office (FCO) advice on all but essential travel, will my travel insurance cover me?
A : No and your travel insurance will be invalidated.
Q : How would I know when the FCO advice was given against all but essential travel to the country or region?
A : Check on the FCO’s website: https://www.gov.uk/foreign-travel-advice
Travelling soon :
Q : FCO now advises against all but essential travel to the region that I am going to, can I claim for Cancellation?
A : You must contact your travel providers (e.g. flight; accommodation; tour operator or travel agent) for a refund or reschedule your holiday. There is no cover under this policy for a Cancellation claim due to the FCO advising against travel to your destination(s). For Single Trip policies, if the policy was issued within 14 days cooling-off period, a full refund would be arranged. If it is outside the cooling-off period, we may be able to move your policy dates to your new trip dates if within six months of the original start date or cash refund on a pro-rata basis minus an admin charges. You do not need to make any changes to your annual policy if the area of travel is the same as travel dates are not specified.
Q : I have symptoms of Coronavirus, and I am due to travel soon. Can I claim for Cancellation?
A : You need to obtain confirmation from your doctor or test centre that you have the virus. You must contact your travel providers to cancel the trip and obtain a refund or reschedule your holiday. If you are unable to obtain a refund from the travel providers or other methods, you may submit a claim for any irrecoverable cost.
Q : I have symptoms of Coronavirus, and I am due to travel soon. I don’t need to claim as my costs were fully refunded. Can I cancel my policy?
A : You need to obtain confirmation from your doctor or test centre that you have the virus. If the policy was issued within 14 days cooling-off period, a full refund would be arranged. If it is outside the cooling-off period, for Single Trip policies, we may be able to move your policy dates to your new trip dates if within six months of the original start date or cash refund on a pro-rata basis minus an admin charges.
Q : I have a connecting flight where the destination is listed by FCO, as against all but essential travel, but the final destination is not affected. Will my travel insurance cover me for Cancellation?
A : You must contact your airline to arrange a refund or offer alternative arrangements to get to your final destination. If you choose to travel, you will invalidate your travel insurance.
Q : I am scheduled to travel overseas in a months’ time or so, but I prefer not to travel as I fear I may catch the virus. Can I claim for Cancellation?
A : No, travel insurance would refer to this as disinclination to travel, and it is an exclusion on your policy.
Currently travelling :
Q : I am currently in an the area that FCO has now advised against travelling to or advise to return home, will my travel insurance cover me to come home early?
A : Yes, if you are insured for Disaster Recovery, under our Deluxe cover. You can submit a claim for any irrecoverable cost incurred to continue the trip or return to the UK.
Q : I am currently travelling, if I catch the Coronavirus in one of my stop-over destinations, will my travel insurance cover my medical expenses?
A : Provided that your stop-over destinations are not on the list of countries where the FCO are advising against all or all but essential travel to, you will be covered for medical expenses, and you must contact the 24-hour medical assistance team. In the event where medical repatriation if necessary must be prior approved with the travel insurance company.
Q : I am currently travelling, and have not been diagnosed with the Coronavirus. The accommodation I am staying has quarantined me due to measure preventing the potential spread of the virus. Can I claim for additional expenses if I miss my transport to go home?
A : Yes, if you are insured for Disaster Recovery, under our Deluxe cover. You can submit a claim for any irrecoverable travel and accommodation costs incurred to continue the trip or return to the UK.
Q : I am in quarantine due to Coronavirus in the area, and all flights have stopped. Will my policy automatic extend with no additional cost?
A : Your existing policy will automatically extend in line with the terms and conditions, covering you until you are reasonably able to return home.
Useful info :
World Health Organization :
Travel Health Pro :
Should you have any further questions please contact us however as you will appreciate call volumes are high currently therefore waiting times maybe slightly longer. We apologise for any inconvenience caused.