Why do you need Coronavirus travel insurance?
The Coronavirus pandemic has reminded us all about the importance of comprehensive travel insurance so we can travel with peace of mind. That way, you know you’ll be covered for Coronavirus problems, as well as any issues with your existing medical conditions, whether arising before you go or while you’re away.
AllClear COVID-19 Cover is rated Superior by Which? Magazine. For anyone concerned about travel and COVID-19, below we have outlined the travel insurance protection available under our award-winning policies.
In our Annual Travel Survey, 36% of you said that having the best possible travel insurance that would fully cover you for COVID-19 risks was now a top priority.
So read on to find out the top things to look out for in Coronavirus cover – all ready for when the FCDO declares that we’re able to travel again. And you can read our blog for up to date information on air bridges and quarantine information.
Top 3 things to look out for in a Travel Insurance policy to cover you during the pandemic
Comprehensive travel insurance is a must when planning a future holiday. Look for a policy to protect you for different eventualities around Coronavirus.
- Emergency medical cover: if you contract Coronavirus when you’re away
- Cancellation cover: that covers you for cancellation or cutting short your trip due to Coronavirus
- Repatriation cover: to bring you back to the UK again if needed, as well as cover for a continued recuperation stay
What does AllClear enhanced Coronavirus cover include?
We understand the importance of travelling with peace of mind, which is why our AllClear Gold, Gold Plus and Platinum cover provide the following COVID-19 cover – at no extra cost.
- Up to £15 Million Emergency medical expenses, including repatriation to help you get back home where needed
- Cancellation* and Curtailment up to £25,000. This includes:
- If you contract Covid-19 before you travel
- Your travelling companion(s), people you live with, or people you’re staying with on holiday being diagnosed with COVID-19 within 14 days of travel
- If you’re denied boarding with a positive test for COVID-19
- A close relative becomes ill with COVID-19 and you need to return home early
- If you’ve been told to self-isolate by NHS at the time of your departure
- If a family/household member is diagnosed with COVID-19, meaning you have to self-isolate
- Up to 30 days FREE extended cover (if due to unexpected circumstances beyond your control)
- Up to £2,000, if medically necessary, for a friend or relative to travel from your home area to stay with you (costs for room and to accompany you home)
- Following recovery from Coronavirus, costs for a continued recuperation stay.
- Costs for your return flight following your enforced stay due to Coronavirus.
All figures are per person, and per trip.
Our policies continue to provide all other cover for non-COVID-19 related incidents, including Emergency Medical Costs, Baggage (up to £3000), Passports, Money and Personal Accident claims, as usual during your trip.
This means that if you develop COVID-19 and need help, or have any other issues when you’re away, you’ll be covered as long as you’ve declared your pre-existing conditions (if any).
For AllClear branded policies – if your trip is cancelled you can change the dates of your Single Trip policies, up to 12 months from the original trip date. This is providing the duration is no longer than the original trip length, the destination is within the same region as the original trip and you have no claims pending or are not intending to make a claim. To make this change you can contact our Customer Care team on 01708 339029.
|Please note: where the FCDO advises against all but essential travel, we do not provide cover. However, if you need cover for essential travel to a non-exempt country, we may still be able to assist you – please give us a call to see if we can offer a simple solution.|
|You will be covered in the event that||Policies that will cover you||What we would need in the event of a claim|
|Before you travel||You test positive for COVID-19 and are unable to travel||AllClear Gold, Gold Plus or Platinum travel insurance policy||Confirmation of positive test results and no symptoms or diagnosis prior to purchasing your policy|
|You don’t have a positive test result but have been asked to stay at home to self-isolate by the NHS track and trace system||AllClear Gold, Gold Plus or Platinum travel insurance policy||Confirmation from NHS track and trace to self- isolate and must be since purchasing your policy|
|When you’re travelling||You require medical treatment abroad as a result of COVID-19||AllClear Gold, Gold Plus or Platinum travel insurance policy||Prior to travelling you had a negative COVID-19 test, no symptoms or diagnosis|
|You require repatriation back to the UK after falling ill with COVID-19 while on holiday||AllClear Gold, Gold Plus or Platinum travel insurance policy||Confirmation that you had no symptoms or diagnosis made prior to travel|
|You would like to claim for any cancelled excursions after developing COVID-19 symptoms and having to self-isolate whilst on holiday||AllClear Gold, Gold Plus or Platinum travel insurance policy||Proof of prepayment/booking prior to departure and confirmation no symptoms etc prior to travel|
|At the airport, you were denied boarding due COVID symptoms being detected||AllClear Gold, Gold Plus or Platinum travel insurance policy||Proof of positive COVID-19 test and confirmation that you had no symptoms or diagnosis made prior to travel|
If you have any other questions or if you’re an existing customer and want to know how coronavirus affects your policy or claim, please visit our dedicated FAQs page.
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Frequently Asked Questions about Coronavirus Travel Insurance
If you contract Coronavirus before you go on holiday, are you covered to cancel your holiday?
Yes, on AllClear Gold, Gold Plus and Platinum policies. If you become unfit to travel, providing you have booked your trip and bought your travel insurance policy prior to contracting the illness, you are able to submit a cancellation claim for consideration with supporting evidence from your GP.
If you are quarantined before your departure due to Coronavirus and cannot go on holiday, are you covered to cancel your trip?
Yes, with AllClear branded policies you’ll be covered if you need to quarantine and therefore cannot go on holiday.
Do you need to declare medical conditions on your travel insurance?
While you can’t yet declare COVID-19 as a pre-existing condition, it’s important to declare any other pre-existing medical conditions you may have. You can still be covered for cancellation if you contract Coronavirus before you travel and medical expenses if you contract coronavirus while on holiday.
Declaring your conditions will help you to avoid large medical bills if you need treatment abroad – including treatment for COVID-19. You need to declare all of your pre-existing medical conditions, otherwise this may affect the validity of your policy if you need to claim.
It’s important to remember that non-coronavirus cancellation will still be covered by your policy – for example, if you were to break your arm, be made redundant or suffer a bereavement before travel.
What if you want to go on holiday in the UK during the COVID-19 pandemic?
Before you go on holiday in the UK, It’s important to check your destination is safe to travel to and not in a local lockdown. If your destination is safe to travel to, your trip should be covered by UK travel insurance.
For your UK holiday to be covered, you must have pre-booked your accommodation.
Are you covered if you miss your holiday because you’re told to self-isolate by NHS Test and Trace?
Under the NHS’s Test and Trace system, you may be told to stay at home (self-isolate) for 14 days if you’ve been in contact with a person who has Coronavirus.
If you are told to do this, you’ll be asked not to leave your home for any reason, and so, if you had travel booked during this period, you wouldn’t be able to go.
In that case, your AllClear travel insurance policy would cover you.
Please note all the information on this page is subject to the terms and conditions of your policy.
Top 8 tips for staying safe from Coronavirus
1. Wash your hands
It’s tip number one for a reason! Coronavirus is likely to be transmitted mostly by droplets. You can contract COVID-19 by picking it up on your hands and touching your mouth or nose. Regular and thorough handwashing may help reduce the spread of the virus significantly – but you need to wash every bit of your hands with soap and water, taking about 20 seconds (the time it takes to sing ‘Happy Birthday’ twice).
2. Don’t forget the door
When you finish washing your hands, use your elbow or a paper towel to turn the tap off and keep the paper towel to open the door, then dispose of it in a bin.
3. Use the right hand sanitiser
If you don’t have access to soap and water, hand sanitiser is a good second choice. Antibacterial gels and liquids are excellent at killing bacteria but not always as good at killing viruses. Pick a sanitiser that contains a high proportion of alcohol – ideally at least 60%.
4. Wear a face mask
Masks help control the spread of the virus from the wearer and are especially useful in an enclosed environment. Remember, face masks don’t replace social distancing.
5. Do not shake hands!
You could try the ‘elbow bump’ or the ‘Wuhan shake’ (touching opposite feet against each other) or simply a friendly wave.
6. Keep inhalers to hand
If you have a long term lung condition such as asthma or COPD, you’re likely to be taking prescribed inhalers – usually a blue ‘reliever’ inhaler and one or more ‘preventer’ inhalers, to stop you getting wheeze or shortness of breath. It’s always important to make sure you have enough of your medication to last for the whole holiday, with some to spare in case of delays or lost medication. But it’s particularly important if you catch Covid-19, which can worsen breathing problems.
7. Check your destination
The FCO advice will always have the most up to date information on where you can travel and under what restrictions.
8. Check your travel insurance will cover you for COVID-19 scenarios
With comprehensive cover that covers you for Cancellation and Medical Expenses for Covid-19 – as well as any existing medical conditions, you can travel with peace of mind. Otherwise if you’re taken ill with coronavirus while you’re away, you could be left with an eye-watering bill and serious problems getting home.
* Provided you have purchased a policy which includes cancellation cover