Last updated: 28th October 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.

Cover for AllClear policies (purchased from 27th June 2022 onwards)

Policies purchased from 27th June only provide Covid cover where the insured/s have had the recommended vaccines.

	Answers
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 non-COVID-19 related incidents, including Emergency Medical Costs, Baggage, Passports, Money and Personal Accident claims, as usual during your trip. Your policy will not provide emergency medical cover for claims as a direct result of Covid-19. The General Conditions and Exclusions and Special Exclusions for Section 1, 2 and 6 still apply. Your policy will not cover you for costs where: You choose not to travel because the FCDO or any other equivalent government body in another country advises against travel due to a pandemic. You are legally entitled to a refund in the form of cash or voucher from your airline and/or travel provider. For policies purchased from 27th June, your policy will not cover you for costs where you do not have the reccomended vaccinations. AllClear policies underwritten by Zurich do not provide cover to travel to countries where the FCDO advise against all, or all but essential travel for any reasons except from the COVID-19 pandemic.
Are you covered for Coronavirus if you haven't had the Covid vaccinations?	Policies purchased from 27th June 2022 on only provide COVID cover where the insured/s have had the recommended vaccines. This policy only provides cover for Coronavirus related claims if you have had and are up to date with the Covid-19 vaccinations recommended by the UK NHS or were medically unable to have the vaccinations as evidenced by your medical records. Provided you meet these requirements, you will be covered should you: Need to cancel or cut short your trip because you or a member of your family or travelling party are medically diagnosed with Coronavirus; or personally instructed to isolate by an NHS service or medical professional. Need medical treatment for Coronavirus while abroad. The General Conditions and Exclusions, and Special Exclusions for Section 1, 2 and 6 still apply.

 

	Scenario	Is cover provided?	Conditions of cover
Before you go	You need to cancel your trip because you or a member of your family or travelling party are* - A. Medically diagnosed with Coronavirus within 14-days of your planned departure date, as certified by a medical practitioner or independent authority following completion and physical analysis of a UK Government approved test. B. 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	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
	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, 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