Our current policies include the following cover for coronavirus (COVID-19). For further details on what is and isn’t covered by our policies in respect of COVID-19 please click here. 


Before you travel you are covered for:

  • Cancellation if you or your travelling companion test positive for COVID-19 and a medical practitioner confirms you are too ill to travel. 
  • Cancellation if you test positive within 14 days of travel and you are told to self-isolate by a medical practitioner, the NHS or any UK government body. 
  • Cancellation in the event of hospitalisation or death due to COVID-19 of you, an immediate relative, a travelling companion or a person you are planning to stay with. 

During your trip you are covered for:

  • Cutting short your trip if you test positive for COVID-19 and told to self-isolate by a medical practitioner, health authority or government body. 
  • Cutting short your trip in the event of hospitalisation or death due to COVID-19 of you, an immediate relative, a travelling companion or a person you are planning to stay with.
  • Emergency medical and repatriation if you fall ill with COVID-19 and need to return to the United Kingdom. 
  • Emergency medical and repatriation if you fall ill with COVID-19 while abroad and need to extend your stay for medical treatment. You would also be covered for additional accommodation and or transport costs incurred. 
  • Cutting short your trip if a close relative falls ill with COVID-19, if the relative hadn’t been diagnosed with COVID-19 at the time of travelling. 

NEW! COVID-19 Upgrade 

Our new COVID-19 Upgrade will provide additional cover in relation to COVID-19. 


If you purchase the COVID-19 Upgrade you will be covered for:

  • Cancelling your trip if you, a travelling companion or a person you are staying with, are required by a medical practitioner, a government body or health authority to self-isolate due to COVID-19 within 14 days of the start of your trip. 
  • If you or your travelling companion need to test for COVID-19 before departure and the result is delayed and you miss your departure or connection. 
  • Cutting short your trip or for missed departure if you or your travelling companion are required by a medical practitioner, a government body or a health authority to self-isolate abroad due to COVID-19. 
  • If your pre-booked accommodation or cruise ship is put into compulsory quarantine by a medical practitioner, a government body or health authority, you will be covered under cutting short your trip or missed departure. 
  • If while you’re travelling the UK government changes quarantine requirements impacting your destination, meaning you have to pay to quarantine on your return to the UK.   

Important Information for all policies  


If the Foreign, Commonwealth and Development Office (FCDO) has advised against travel to the country or specific region you are travelling to you will not be covered if the cause of the claim is related to the advisory, unless we have agreed that your trip is essential and have confirmed in writing. So, it is important before you travel to check the Foreign, Commonwealth and Development Office (FCDO) website to get the most up to date information. 


There is no cover for any claims arising from the Foreign, Commonwealth and Development Office restricting travel from the United Kingdom, or to specific countries or regions, due to coronavirus (COVID-19). 


There is no cover for claims relating to medical treatment or repatriation where the Foreign, Commonwealth and Development Office has advised against all but essential travel due to coronavirus (COVID-19) except where the COVID-19 Upgrade has been purchased.