Following the disruption caused by the Coronavirus pandemic on holidaying, there’s never been a better time to remember the importance of securing your travel insurance as soon you book your trip away. Many of us often wait until just before we travel to arrange insurance, thinking mainly of the medical and luggage coverage. However, insurance covers much more than this, including holiday cancellations, so it’s vital to book your holiday and insurance at the same time.
Many policies will include the option to add Covid cover, meaning that if your holiday plans change due to FCO travel restrictions, or if you test positive before your date of departure or even whilst you are away, you will most likely be covered. So, if you already have your holiday booked, but haven’t yet got insurance in place, now is the perfect time to do so as policies might not cover cancellations if bought after any FCO announcements.
If you already have travel insurance in place for your getaway, it’s worth checking your policy to see what is and isn’t covered in terms of cancellations or Covid-related disruption. If there is little or no cover then it may well be worthwhile to contact your insurance provider to extend your cover in order to protect against cancellations or add Covid cover.
Travelling to destinations with strict government restrictions in place can void any travel insurance you have and no claims will be able to be made on your policy.
If your flights are cancelled by your flight provider due to restrictions or scale backs, you should be able to claim back your costs or arrange alternative flights via the provider.
If you’d like to cancel or change your holiday, but there are no restrictions in place, your insurance most likely won’t cover this, so you would need to speak to your holiday provider in the first instance. It’s unlikely they will be able to accommodate this, however, some providers have been known to make special dispensations due to Coronavirus.
Should you fall ill whilst on holiday you will need to seek medical treatment which should be covered by your provider (please check your policy details). If you are on holiday in Europe at the time of ill health, your Global Health Insurance Card (GHIC) will entitle you to treatment on the same terms as a local citizen.
If you have any queries in relation to holidays you have booked, or which policies best suit your needs, it’s always best to speak to your holiday provider and insurer in the first instance. Remember to read all your policy details and coverage before purchasing so that they fit your requirements.
We’ve launched a brand new, dedicated travel insurance booking system which makes it super-simple to find quotes ahead of your next holiday. This means you can select your travel insurance policy both quickly and easily. There is also a separate system for those with pre-existing medical conditions, as well as our handy FAQs section for even more information on this important aspect of travelling.
Published on 19th September 2017
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