As hopes of holidays abroad are on the horizon, many people may be wondering whether their travel insurance will cover them to go on holiday amid the Coronavirus. All of our policies will provide cover for emergency medical treatment and medical expenses if you contract COVID-19 whilst on your trip.
As of the 25th August 2020, our Diamond policies will provide cover for trip cancellation if you or anyone named on your policy test positive for COVID-19 up to 14 days prior to travelling, plus many other benefits to keep you travelling worry-free during these uncertain times.
As of 5th January 2021, all Flexicover Single and Multi Trip policies will provide cover for trip cancellation if you or anyone named on your policy test positive for COVID-19 up to 14 days prior to travelling, plus many other benefits to keep you travelling worry-free during these uncertain times.
If you are an existing Flexicover customer and are concerned about how Coronavirus may impact your policy please read our Coronvirus FAQs.
The benefits of our travel insurance for Coronavirus include:
Our Diamond products provide the widest range of travel insurance cover and don’t have any excesses. Available as both Single Trip and Multi Trips policies, there are many benefits to choosing Diamond cover:
- Enhanced COVID cover available on Diamond products.
- Coronavirus cancellation cover, if you or anyone named on your policy test positive for COVID-19 up to 14 days prior to travelling.
- Denied boarding cover if you or anyone named on the policy is prevented entry at the airport on your inbound flight due to showing symptoms of COVID-19.
- Protection if your airline goes into administration due to the pandemic.
- Reimbursement of any pre-booked events or excursions which you cannot recover from any other source.
- £0 excess if you need to make a claim.
- Gadget Protection of up to £3,000 included if your gadgets are lost, stolen or damaged.
- Emergency Medical Cover of up to 10million per person.
All of Flexicover’s Single and Multi Trip policies include the following benefits:
- Enhanced COVID Cover
- Medical repatriation if you or anyone else named on your policy contract Coronavirus whilst on holiday.
- Emergency medical cover of up to £10million.
- Cover if you need to cancel your holiday due to being made redundant after you booked your trip.
- FREE cover for over 100 sporting activities.
Is Coronavirus cover included for domestic trips?
If you are travelling on a domestic trip to enjoy a well-deserved staycation you will find comfort knowing Flexicover offers specialist staycation cover on our “Staycation Plus” policies. Our staycation product includes enhanced cover for coronavirus that offers additional benefits that are tailored to domestic travel, including:
- Cancellation cover if you or anyone named on your policy test positive for Covid-19, 14 days before you are due to travel.
- Cover for denied boarding on domestic flights as a result of showing symptoms of COVID-19.
- Cover to come home early from your trip as a result of getting Coronavirus.
- 24/7 access to a UK based GP at any time during your trip.
Does a Flexicover travel insurance policy provide cover for Coronavirus?
All of our policies will protect you and anyone else named on your policy should you fall ill with Coronavirus and need emergency medical assistance while you’re abroad. We also provide cover for emergency repatriation, should you or anyone named on your policy need to be brought home earlier or later than originally planned.
You will also benefit from protection against any unexpected or unforeseen events that occur on holiday, including departure delay, trip cancellation (not relating to Coronavirus) and cover for personal possessions, which many people forget are major aspects of any travel insurance policy!
From the 14th March 2020, all Flexicover products exclude cover for cancellation claims due to COVID-19.
From the 25th August 2020, Flexicover Diamond policies will provide cover if you have to cancel your trip due to testing positive for COVID-19 up to 14 days before travelling.
From 5th January 2021, all Flexicover Single and Multi Trip policies will provide cover if you have to cancel your trip due to testing positive for COVID-19 up to 14 days before travelling.
What changes can travellers expect due to COVID-19?
There are many changes travellers can expect when going on holiday. For example, announcements of travel corridors, also known as “air bridges,” which are mutual agreements between the UK and overseas countries. These will allow holidaymakers to travel to and from destinations with low Coronavirus infection rates, without having to quarantine for 14 days upon return.
From the 10th of July, UK travellers may not have to self-isolate if they are returning to England from countries listed by the FCDO because they are either part of the travel corridor agreement, British overseas territories, or within the British isles. However, you will need to self-isolate if you were to travel to a destination not included on the list. Other changes to travel will involve travellers providing their journey and contact details 48 hours before arriving back to the UK.
Important Information
It is important to note that our travel insurance policies will only be valid if the FCDO has marked your destination country as safe to travel. Before booking your holiday and travel insurance it is recommended that you check the latest FCDO advice to ensure that your destination is safe to travel.
Top Tips
As the situation is ever-changing, our top tips include:
- Keeping up to date with the latest travel news in relation to your holiday destination.
- Read the government guidance on safer air travel
- We recommend purchasing travel insurance when you book your flights.
- Keep up to date with the FCDO advice surrounding your chosen destination
- Adhere to social distancing and hygiene protection methods.
- Wear facial protection on airlines.
