Last updated: 11 February 2022
AllClear Gold, Gold Plus and Platinum policies - coronavirus cover
Any reference to Coronavirus (COVID-19) throughout our FAQs also includes SARS-CoV-2 (severe acute respiratory syndrome coronavirus), as well as any variation or mutation of these conditions. Wherever we say that we will ‘consider' claims, be aware this will be in line with your policy's specific terms and conditions. This does not guarantee your claim will be paid.
Contents
Foreign, Commonwealth & Development Office (FCDO) change in advice
AllClear Policyholders (purchased after 2nd November 2021)
Policy purchased and trip booked before 2nd November 2021
Foreign, Commonwealth & Development Office (FCDO) change in advice
General information
| Answers | |
|---|---|
| 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: | 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:
The policy does not cover any claims where:
|
| Are you covered for Coronavirus if you haven't had the Covid vaccinations? | The policy only provides cover for Coronavirus related claims (meaning Covid-19, SARS-COV-2 or any mutation or variation of these) if you have had the recommended vaccination(s), or if you are medically unable to have the vaccination(s) as evidenced by your medical record(s). Provided you meet these requirements, you will be covered if you:
|
AllClear Policyholders (purchased after 2nd November 2021)
You can download a printout for Coronavirus cover information here: Coronavirus cover after 2nd November
| Scenario | Is cover provided? | Conditions of cover | |
|---|---|---|---|
| Before you go | You fall ill with COVID-19 at home and cannot travel. | Covered as standard | Subject to medically diagnosed Coronavirus. No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with COVID-19 or personally instructed to quarantine by the NHS or a healthcare professional. |
| You or a member of your family / travelling party must self-isolate at home and cannot travel due to medically diagnosed COVID-19. | Covered as standard | No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with COVID-19 or personally instructed to quarantine by the NHS or a healthcare professional. | |
| You're due to stay with family. A family member who you're due to stay with must self-isolate due to medically diagnosed COVID-19. You wish to cancel your trip as you no longer have anywhere to stay. | Covered as standard | No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with Covid or personally instructed to quarantine by the NHS or a healthcare professional. | |
| While you're abroad | You fall ill with COVID-19 abroad and need medical treatment abroad | Covered as standard | No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice |
| You fall ill with COVID-19 abroad and need to be repatriated to the UK | Covered as standard | No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. 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. | |
| You fall ill with COVID-19 abroad and you need to extend your stay as a result of Coronavirus, incurring additional costs. | Covered as standard | No cover if travelling against government or other regulatory authority (i.e., FCDO) or medical advice. 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. | |
| You need to curtail your trip as a close relative has passed away from COVID | Covered as standard | No cover if your relative was already hospitalised before you left on your trip, unless the relative’s GP/consultant can confirm that they would have seen no substantial likelihood of your relative’s deterioration in condition, at the time you booked your trip. |
What you are not covered for
| Scenario | Is cover provided? | Conditions of cover | |
|---|---|---|---|
| Goverment 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). | No Cover | 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. | |
| 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 |
Refund from provider
Where you can, you should try to get a full refund from your travel company, tour operator or travel agent or credit card provider. We'll only consider non-refundable expenses on your travel insurance policy.
Policy purchased and trip booked before 2nd November 2021
| Scenario | Is cover provided? | Conditions of cover | |
|---|---|---|---|
| Before you go | You fall ill with COVID-19 at home and cannot travel. | Covered as standard | Subject to medically diagnosed Coronavirus. No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with Covid or personally instructed to quarantine by the NHS or a healthcare professional. |
| You or a member of your family / travelling party has to self isolate at home and cannot travel due to medically diagnosed COVID. | Covered as standard | No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with Covid or personally instructed to quarantine by the NHS or a healthcare professional | |
| You are due to stay with family. A family member who you are due to stay with has to self isolate due to medically diagnosed COVID. You wish to cancel trip as you no longer have anywhere to stay. | Covered as standard | No cover if symptoms or diagnosis occurred prior to your policy purchase or any claim where the customer or a member of their family / travelling party hasn't been infected with Covid or personally instructed to quarantine by the NHS or a healthcare professional | |
| While you're abroad | You fall ill with COVID-19 abroad and need medical treatment abroad | Covered as standard | No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice |
| You fall ill with COVID-19 abroad and need to be repatriated to the UK | Covered as standard | No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice | |
| You fall ill with COVID-19 abroad and you need to extend your stay as a result of Coronavirus incurring additional costs. | Covered as standard | No cover if travelling against government or other regulatory authority (ie FCDO) or medical advice. 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. | |
| You need to curtail your trip as a close relative has passed away from COVID | Covered as standard | No cover if your relative was already hospitalised before you left on your trip. | |
| You have been denied boarding on outbound journey | Covered as standard | On your outward journey you would be covered under Curtailment. A positive diagnosis must be made for cover to apply | |
| Denied boarding due to detected symptoms of COVID | You have been denied boarding on return | Covered as standard | On your return journey you would be covered for additional accommodation and additional travel expenses to enable you to return home when you are able to. A positive diagnosis must be made for cover to apply |
