Coronavirus Travel Insurance | Flexicover Travel Insurance

Holidays have finally been given the go ahead! Which means all those much needed trips with family and friends can now be booked- giving us all something to look forward to (rather than the same four walls).

If you are planning on going away, then it is important that you take out a travel insurance policy with enhanced coronavirus cover. This gives you extra protection, which is much needed, especially during such an uncertain time.

At Flexicover, we offer policies with added coronavirus cover as standard. The benefits are listed below as well as some of your frequently asked questions regarding coronavirus and travel.

Whatever you decide, whenever you choose to go away, Flexicover are here to protect you and your trip.

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.

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.

Frequently Asked Questions

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.

As of 25th August 2020, if you purchase a Flexicover Diamond product you will be covered if you need to cancel your trip due to a positive COVID-19 test up to 14 days prior to travel, 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, plus much more.

As of 5th January 2021, if you purchase any Flexicover Single or Multi Trip policy you will be covered if you need to cancel your trip due to a positive COVID-19 test up to 14 days prior to travel, 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, plus much more.

If you are an existing customer, you or anyone named on your policy will be covered for any medical costs or necessary medical repatriation if you contract COVID-19 whilst travelling. Your destination must be deemed as safe to travel by the FCDO at the time of booking your trip and taking our travel insurance. For more information on the cover offered by your policy, please check your policy wording.

Read our COVID-19 FAQ’s for information on how Coronavirus impacts your existing travel insurance policy.

At the time of writing this the following countries were on the green list, but the Government will be reviewing every three weeks. For an up to date list, click here.

Australia
Brunei
Falkland Islands
Faroe Islands
Gibraltar
Iceland
Israel and Jerusalem
New Zealand
Portugal (including the Azores and Madeira)
Singapore
South Georgia and South Sandwich Islands
St Helena, Ascension and Tristan da Cunha

Countries can be added or taken off the green list with less than three weeks notice, if it is deemed unsafe to visit.

If you are an existing customer, you or anyone named on your policy will be covered for any medical costs or necessary medical repatriation if you contract COVID-19 whilst travelling. Your destination must be deemed as safe to travel by the FCDO at the time of; booking your trip, taking our travel insurance and travel. For more information on the cover offered by your policy, please check your policy wording.

Read our COVID-19 FAQ’s for information on how Coronavirus impacts your existing travel insurance policy.

If you have a Flexicover Single or Multi Trip policy, you can enjoy the following benefits:

Enhanced COVID Cover
Necessary 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.

The best way to protect your holiday against coronavirus is to take out travel insurance as soon as your trip is booked. This means you’ll have cover for any unexpected pre-travel disasters as well as whilst you are away.

It is also important to read the policy wording before taking out your travel insurance, making sure it covers all your needs. Do bear in mind that when a policy covers covid-19, this doesn’t mean in every scenario your claim would be approved. The policy wording explains in detail what can and cannot be covered – so read it thoroughly.

If you become unwell with coronavirus while you’re away, then we can cover up to £10 million in emergency medical expenses (as long as you haven’t travelled against the advice of the FCDO).

You can also get cover up to £5,000 should you or anyone else on the policy become unwell with coronavirus and need to return home early. Bear in mind should the country you’re visiting or returning to require quarantining, should you test positive, then you would have to comply and do so.

The price of travel insurance varies depending on where you’re going, how long for, how many people are on the policy and whether you want additional cover or higher cover levels. Our Diamond products provide the widest range of travel insurance cover (including cover for COVID-19 at no additional cost) and don’t have any excesses. It is available for both a Single and Multi-Trip policies and includes cover for the following:

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.
Coronavirus cancellation cover, if you or anyone named on your policy test positive for COVID-19 up to 14 days prior to travelling.

If your airline or tour operator have cancelled your holiday, then they should be refunding you, given that they are no longer providing any sort of service to you.

Sometimes they can offer vouchers instead of a refund, however you are within your rights to refuse this and request a full refund. These companies just often don’t make that seem like an initial option as they want to keep you as a customer. For more information on your rights, you can click here.

As long as you purchased our Diamond cover, if you or anyone on your policy tests positive for coronavirus 14 days prior to departure, then we can offer cancellation cover.

If you have taken a Diamond policy with us, then we can cover up to £5,000 including:

Transport charges
Accommodation costs
Foreign car hire
Pre-paid excursions booked before you go on your trip

You should always take out travel insurance as soon as your trip is booked, as your cover begins the minute you take out the policy. If you are already away, then you cannot take out a policy with us.

If you are someone that goes away frequently and often forget about travel insurance until you’re away, then consider taking out a Multi-Trip policy whilst still in the UK. This covers you an unlimited number of trips across a 12-month period, meaning you don’t have to take out a travel insurance policy every time you go away.

If you are offered an alternative destination and/or dates by your travel agent or tour operator, we are pleased to advise that on Single Trip policies we will change the dates of your travel insurance policy to match the new trip where policy and in line with our policy term and conditions. We will not charge an admin fee for this, but please note that there may be an increase in cost, for example if you extend your trip duration, change the geographical area that you are travelling to, or move the trip dates more than 12 months from the date you originally purchased your policy.

Please note, we cannot move trip dates more than 18 months in advance from the date you originally purchased your policy. Please click here to amend your policy online.

If you’d like to upgrade your existing policy to include enhanced COVID-19 cover, click here to do so quickly and easily online (just look out for the green COVID COVER badge). We’ll re-send your new policy documents once you’re done.

Please note: An additional cost may apply if you choose you upgrade your travel insurance policy to include enhanced COVID-19 cover.

Cover may be extended for the following reasons:

If you are hospitalised, require medical treatment and are unable to fly.
If your transport is disrupted or delayed.
If you cannot return home for any reason beyond your control

Question not been answered? Click here, for more coronavirus FAQs.