More than two dozen travel insurers now offer some form of coronavirus cancellation cover, as travel corridor changes and rising case numbers make it more valuable than ever. But there’s a huge amount of difference between insurers in terms of what’s actually covered. Here, Which? breaks down those differences to help you understand which insurer will cover you for what and answer questions about claims, vouchers and travel corridors.
Will travel insurance cover me for COVID-19?
Dozens of insurers stopped selling travel insurance after the start of the pandemic, but since then, large numbers have returned to the market – many with some form of ‘COVID-19 cover’.
In terms of coronavirus, we can split them into three general groups:
To our knowledge, at least 25 insurers now fall into that third category, which is great news for anyone who wants more comprehensive post-lockdown travel cover. We list them all below. The problem is, there’s a wide range of what’s actually covered within that group.
With all of them, you’ll be covered if you need to cancel because you’ve caught coronavirus. But if someone else in your household gets COVID-19, or if you’re self-isolating without being infected, you might not be. The table below shows which insurers will cover you in six potential scenarios. It’s worth noting that these scenarios are not the only reasons you might need to make a coronavirus-related cancellation claim and that some of these insurers will cover other situations. Additionally, it may be that some of these insurers only offer COVID-19 cancellation cover with certain policies.
|If your destination restricts its borders before you travel for reasons relating to the pandemic||Nationwide|
|If the FCO changes its advice before you travel||Nationwide|
|If your hotel closes while you are there||Axa, Big Blue Cover, Insurefor, Jet2, Leisure Guard, MRL Insurance, Nationwide|
|If you’ve been told to self-isolate by the NHS, but haven’t been tested||AllClear, Allianz Assistance, Asda, Axa, Co-op, JustTravelCover, LV, Nationwide, Trailfinders|
|If a family/household member is diagnosed with COVID-19, meaning you have to self-isolate||AllClear, Allianz Assistance, Abta, Asda, Axa, Co-op, JustTravelCover, LV, Nationwide, Staysure, Trailfinders|
|If you are diagnosed with COVID-19||Abta, AllClear, Allianz Assistance, Alpha Travel Insurance, Asda, Axa, Big Blue Cover, Co-op, Dogtag, Flexicover, Get Going, Holidaysafe, Insurancewith, Insurefor, Jet2, JustTravelCover, Leisure Guard, LV, MRL Insurance, Nationwide, Postcard, Saga, Spectrum, Staysure, TopDog, Trailfinders|
As you can see, only one insurer (Nationwide) covers you if the FCO changes its advice after you book, because of a development related to the pandemic. And Nationwide is also the only insurer that will pay out if your destination country restricts its borders.
Of all the policies we’ve found, Nationwide’s has the widest coronavirus cover. The downside is that it won’t work for a single-trip policy; you can only get Nationwide travel insurance if you open a bank account with the building society.
Can I get insured for every risk?
Now that more than two dozen insurers are offering coronavirus cancellation cover, it is theoretically possible for you to be insured against many of the things that might go wrong with post-lockdown travel – but not necessarily for everything. Most travel insurers will not cover you if the FCO changes its advice before you fly – as it has in the case of Portugal and others – or if the government orders another lockdown. It’s also still very rare to find cover for if the country you’re travelling to changes its border policy and doesn’t let you in.
You won’t find an insurer that will cover you simply if you change your mind about travelling – for example, if cases in your destination country are rising but the FCO has not warned against going there. And although medical expenses cover is more widely available, COVID-19 is still a threat and it’s still deadly, so you need to take every precaution to make sure you’re safe if you do go abroad. Find
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