AllClear Gold, Gold Plus and Platinum policies - coronavirus cover

If you are travelling to a country where the FCDO advice is against all or all but essential travel...

If you are travelling to a country where the FCDO advice IS against all or all but essential travel due to the COVID-19 pandemic:

• Your policy will provide cover for claims that are not caused by or related to Coronavirus, including Emergency Medical Costs, Baggage, Passports, Money and Personal Accident claims, as usual during your trip (subject to policy terms conditions and exclusions).
• Your policy will not provide cover for any claim caused by or related to Coronavirus.

Please note that

• The Conditions, General exclusions and section specific Conditions still apply.

Are you covered for Coronavirus if you haven't had the Covid vaccinations?

This policy only provides cover for Coronavirus related claims if:

• you are up to date with Coronavirus vaccinations as recommended by the UK NHS (if in doubt please check with your medical practitioner), or you were medically unable to have the vaccinations as evidenced by your medical records; and
• you are travelling to a country or area where the FCDO/WHO are not advising against all or all but essential travel due to the Coronavirus pandemic.

Before you go

This policy only provides cover for Coronavirus related claims if:

• you are up to date with Coronavirus vaccinations as recommended by the UK NHS (if in doubt please check with your medical practitioner), or you were medically unable to have the vaccinations as evidenced by your medical records; and
• you are travelling to a country or area where the FCDO/WHO are not advising against all or all but essential travel due to the Coronavirus pandemic.

You need to cancel your trip because you or a member of your family or travelling party are,

• medically diagnosed with Coronavirus within 14-days of your planned departure date following completion and analysis of a UK Government approved test as certified by a medical practitioner or as certified or verified by an independent authority (e.g. private testing service); or
• in quarantine on the date you are due to commence your trip, on the orders of a treating medical practitioner due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus.

Covered as standard

• The Conditions, General exclusions and section specific Conditions still apply.

• Cover for cancellation depends on the cancellation of your trip being both necessary and unavoidable. AllClear do not provide any cover for you being unwilling to travel.

While you're abroad

You need to curtail your trip and return to your home earlier than planned due to the hospitalisation or death of an immediate relative, as a result of them having contracted Coronavirus.

Covered as standard

No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice.

The Conditions, General exclusions and section specific Conditions still apply.

During your trip you contract Coronavirus and you need medical treatment.

Covered as standard

No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice.

The Conditions, General exclusions and section specific Conditions still apply.

You have to extend your trip due to either contracting Coronavirus or being quarantined on the orders of the treating medical practitioner, due to Coronavirus, suspected Coronavirus or exposure to someone who has been diagnosed with Coronavirus. 

Cover for additional travel and accommodation expenses is limited to £2,000.

If, due to unexpected circumstances that are beyond your control and which fall under the conditions of this cover, you cannot finish your holiday within the period of insurance set out on your validation certificate, we will extend your cover for up to 30 days.

No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. The Conditions, General exclusions and section specific Conditions still apply.

Government restrictions

Government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing insurance/booking holiday and restrictions remain in place at time of departure preventing you from travelling.

No Cover

There is no cover under your policy for circumstances known to you at the point of purchase.

Government or other regulatory authority restrictions due to a pandemic were in place at time of departure and you travelled anyway. You need to make a claim under your policy (under any section).

Your policy will provide cover for claims that are not caused by or related to Coronavirus, including Emergency Medical Costs, Baggage, Passports, Money and Personal Accident claims, as usual during your trip (subject to policy terms conditions and exclusions).

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Your policy will not provide cover for any claim caused by or related to Coronavirus.

If you're travelling to a country where the FCDO advice is against all or all but essential travel due to the COVID-19 pandemic, your policy will provide cover for non-COVID-19 related incidents (see above). However, outside of these circumstances, there is no cover under your policy for travelling against FCDO or other government advice.

The Conditions, General exclusions and section specific Conditions still apply.

Cancelling or cutting short your trip due to restrictions implemented by any Government or Administration

No Cover

Your policy does not cover cancellation or costs relating to cutting short your trip due to a) restrictions implemented by any government or administration; or b) actions taken by a transport or accommodation provider, as a result of, or measure to control, Coronavirus.

No travel restrictions exist at time of travel. During travel, travel restrictions are imposed asking you to return to your country of residence due to COVID.

No Cover

Your policy does not cover cancellation or costs relating to cutting short your trip due to a) restrictions implemented by any government or administration; or b) actions taken by a transport or accommodation provider, because of, or measure to control, Coronavirus.

Disinclination to travel

Government restrictions are introduced due to a pandemic that do not restrict you from travelling to your destination but require you to be quarantined on return from your trip. You no longer wish to travel and want to cancel your holiday.

No Cover

Your policy does not cover disinclination to travel.

You are due to travel but hear that there are a number of cases of a pandemic illness near where you are staying. You no longer wish to travel and want to cancel your holiday.

No Cover

Your policy does not cover disinclination to travel.

You booked your flight and hotel separately. Your flight is proceeding as planned but your hotel has cancelled your booking, there are other hotels available but you do not wish to travel if you cannot stay at your originally planned hotel.

No Cover

Your policy does not cover any claims due to actions taken by transport or accommodation providers as a result of, or measure to control, Coronavirus.

You are due to travel and your hotel advises that certain facilities may now be restricted or closed during your stay. You no longer wish to travel and want to cancel your holiday.

No Cover

Your policy does not cover disinclination to travel.

You are considered vulnerable by the UK Government and want to self-isolate, you no longer wish to travel and want to cancel your holiday

No Cover

Your policy does not cover for claims relating to any fear or threat concerning these viruses which leads to a disinclination to travel

Provider offers voucher instead of refund

Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund.

No Cover

Your policy only covers irrevocable losses. Please note that you should take the matter further with your provider.

Denied boarding due to detected symptoms of COVID

You have been denied boarding on outbound journey.

No Cover

You have been denied boarding on return.

No Cover