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Does travel insurance cover COVID-19 related issues?

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Does Travel Insurance Cover COVID-19 Related Issues?

Overview of COVID-19 Travel Insurance

Since the onset of the pandemic, travel insurance policies have evolved significantly. Many insurers now offer coverage for certain COVID-19-related issues. This coverage can vary greatly between providers and policies.

It is essential for travellers to understand what is included in their policy regarding COVID-19. Carefully reviewing the terms and conditions can help avoid unexpected expenses while traveling.

Medical Coverage

Most travel insurance policies now include medical coverage for COVID-19. This generally covers treatment if you contract the virus while abroad.

However, the extent of the coverage can differ. Some policies might cover quarantine costs if required due to infection, while others may not.

Trip Cancellations and Curtailments

Travel insurance may provide coverage for trip cancellations due to COVID-19. This is often only applicable if you or a close family member contracts the virus.

Policies might also cover curtailments, which are disruptions after your trip has started. Always check the specific conditions under which these benefits are applicable.

Quarantine and Isolation Costs

Not all travel insurance plans automatically cover costs related to quarantine or mandatory isolation. It's crucial to verify this aspect with your insurer before purchasing a policy.

If such coverage is included, it can help with additional accommodation and subsistence expenses incurred during quarantine.

Travel Advice and Restrictions

Travel insurance typically doesn't cover issues arising from border closures or changes in travel advisories. If the UK government advises against travel to a destination after you've booked, you may not be covered.

Before travelling, check the Foreign, Commonwealth & Development Office (FCDO) advice. Ignoring such advice might void your insurance coverage.

Choosing the Right Policy

When selecting a policy, consider your travel destination, the level of COVID-19 risk, and your personal health circumstances. Comparison websites can help identify policies that offer the best COVID-19 cover.

Making an informed decision can provide peace of mind and financial protection against unforeseen disruptions due to the pandemic.

Frequently Asked Questions

Does travel insurance cover COVID-19 related cancellations?

Many travel insurance policies may cover COVID-19 related cancellations if you contracted the virus and are unable to travel. However, coverage varies by provider.

Are COVID-19 tests covered by travel insurance?

Most travel insurance policies do not cover routine COVID-19 testing, but may cover tests deemed medically necessary during your trip.

Can I get coverage for COVID-19 related medical expenses while traveling?

Yes, many travel insurance plans offer coverage for medical expenses if you contract COVID-19 while on your trip.

Will travel insurance cover quarantine costs due to COVID-19?

Some travel insurance policies may cover additional accommodation expenses if you are required to quarantine due to a positive COVID-19 test during your trip.

Does travel insurance cover trip cancellation due to government travel bans?

Most standard travel insurance policies do not cover cancellations due to government travel bans or advisories.

Can I purchase travel insurance that specifically covers COVID-19?

Yes, some insurance providers offer specialized policies or riders that cover COVID-19 related issues.

What evidence do I need to submit a claim for COVID-19 related coverage?

You typically need to provide medical documentation, such as a positive COVID-19 test result or a doctor's note, when filing a claim.

Is COVID-19 considered a 'known event' in travel insurance terms?

Yes, COVID-19 is considered a 'known event' as of early 2020, which can impact coverage for new policies taken after this date.

Will travel insurance cover my trip if a travel companion contracts COVID-19?

Some travel policies may cover trip cancellation if a travel companion is diagnosed with COVID-19, but this varies by insurer.

Does travel insurance cover the cost of returning home early due to COVID-19?

Coverage for returning home early due to COVID-19 depends on the specific policy and the circumstances of your trip.

Will my policy cover me if my destination imposes new COVID-19 restrictions?

Coverage for new COVID-19 restrictions typically depends on the policy terms and whether you purchased a 'cancel for any reason' add-on.

Are there any travel insurance plans that offer trip interruption benefits related to COVID-19?

Yes, some plans offer trip interruption benefits if you have to cut your trip short due to COVID-19 illness.

If I have to cancel my trip due to a COVID-19 outbreak at my destination, will I be covered?

Standard travel insurance usually does not cover trip cancellations due to fear of travel or outbreaks at your destination.

Should I consider a 'Cancel For Any Reason' (CFAR) policy for COVID-19 coverage?

A CFAR policy might be beneficial as it offers more flexibility to cancel your trip for reasons not covered by standard policies, including COVID-19 concerns.

Is lost baggage covered if the loss is related to COVID-19 disruptions?

Lost baggage is usually covered under a separate provision and is not specifically related to COVID-19 disruptions.

Does travel insurance cover expenses if I contract COVID-19 at the airport before departure?

If your insurance policy includes coverage for trip cancellation due to illness, you may be covered if you contract COVID-19 at the airport before departure.

Can I claim for non-refundable prepaid expenses if I cancel due to COVID-19?

If your policy covers cancellations due to illness, you may be able to claim non-refundable prepaid expenses if you contract COVID-19.

Are there exclusions for COVID-19 related claims in travel insurance?

Exclusions can apply, especially if COVID-19-related disruptions were foreseeable at the time of purchasing the policy.

Will my travel insurance cover COVID-19 if I am not vaccinated?

Some policies may have different terms for vaccinated vs. unvaccinated travelers, so it is important to check your policy details.

Can travel insurance cover additional travel expenses due to COVID-19 related delays?

Some policies may cover additional travel expenses incurred due to delays caused by COVID-19, but coverage varies.

Useful Links

Useful Links : Does travel insurance cover COVID-19 related issues?
NHS Travel Insurance Advice

General travel insurance advice by NHS
COVID-19 and Travel Insurance

NHS advice on travel during COVID-19
Travel Insurance Guide by British Red Cross

British Red Cross guide on travel insurance
Important Information On Using This Service


This website offers general information and is not a substitute for professional advice. Always seek guidance from qualified professionals. If you have any medical concerns or need urgent help, contact a healthcare professional or emergency services immediately.

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