Can I Get Travel Insurance that Covers Coronavirus?

A woman in an airport wearing a face mask

The travel industry has been drastically hit this year as the Coronavirus pandemic forced countries into lockdown and people were urged to stay home and cancel all travel plans. 

When the lockdown rules eased in June 2020, things were looking up for travellers as countries re-opened and holiday destinations were back in business, but now it seems we are taking a step backwards, with the number of Coronavirus cases increasing again in some of the most popular tourist spots around the globe. 

If you are planning on going on holiday, it is now more important than ever to have a travel insurance policy in place to prepare for unexpected events while abroad. 

Here, we explain the latest travel insurance news, tell you which insurers are currently providing specialist cover for Covid-19 and what to look out for when purchasing travel cover this year.

UK quarantine list and travel corridors 

There are currently 155 countries and territories on the UK’s quarantine list, meaning that if you return to the UK from any of the listed countries below, you must go directly home and self-isolate for two weeks. 

The most recent countries and territories that have been added to the quarantine list over the last few weeks include: 

  • Andorra 
  • Aruba 
  • Belgium 
  • Brunei 
  • The Bahamas 
  • France 
  • Malaysia 
  • Malta 
  • Monaco 
  • The Netherlands 
  • Turks and Caicos Islands 

As Covid-19 cases continue to increase in certain places across the globe, more countries could be added to the quarantine list at any given time, so be sure to check this beforehand if you have already made travel plans. You are still able to travel to the above countries, but for essential travel only. 

There is also currently a Travel Corridors list, which shows you the countries where you can visit without needing to self-isolate when returning to England. This is also subject to change at any time, so make sure you check it before you plan to travel. 

Important: If you travel against the FCO’s advice, you will not be covered by any travel insurance policy that your purchase. 

If I buy travel insurance, will it cover me for Coronavirus? 

Despite many travel insurance companies ceasing to provide cover during the Covid-19 crisis, you can still purchase a policy from a range of insurers, and there are even specific Coronavirus policies available to help give you peace of mind on your travels.

According to Which?, there are different types of Coronavirus cover being offered, so you’ll need to do your research to see what provider offers the policy you want and the cover you need. 

Currently, there are: 

  1. Policies that don’t cover Covid-19: These may come with a ‘general exclusion’ against travel insurance claims that have originated due to Coronavirus, so if you try to make a claim due to a Coronavirus issue, it will be rejected. 
  2. Policies that cover you for medical expenses relating to Coronavirus will pay out if you catch Coronavirus while abroad, but not for anything else. 
  3. Policies that protect you against Covid-19 medical expenses and cancellation: In specific situations, you’ll be able to claim on your policy if Coronavirus prevents you from travelling. 

Which? Also lists the insurers that provide cover similar to point 3 above, which is a more extensive post-lockdown policy for travellers. They are: 

  • Nationwide 
  • Insurefor 
  • Jet2 
  • AllClear 
  • Allianz Assistance 
  • Trailfinders 
  • Abta 
  • Axa 
  • Staysure 

It is important to note, however, that these insurers will each cover different scenarios, so if you purchase a policy from one of them, make sure you understand what it will cover you for. It is also worth doing a comparison of providers in order to see which one offers the most sufficient level of cover for you and your needs. 

One company that is not currently on the above list is GetGoing, an insurer that is currently offering Coronavirus travel insurance to people in the UK. 

GetGoing Coronavirus travel insurance – What do they cover?

With a Trustpilot rating of 4.6 out of 5, GetGoing Travel Insurance is a reliable provider which now offers a policy tailored to the Coronavirus pandemic to help travellers get peace of mind, whether they need a single or multi-trip policy. At an affordable price, their Coronavirus travel insurance starts from just £4.59.

With GetGoing’s Coronavirus insurance policy, you are covered for: 

  • Cancellation that occurs if you are made redundant after booking your holiday.
  • Emergency medical cover worth up to £10million, also covering Covid-19.
  • Access to a UK-based doctor at any time while on your trip.

In addition to: 

  • Travel insurance for thousands of listed medical conditions 
  • 14-day cooling-off period 
  • Discounts for couples 

Whoever you choose to get a Covid-19 travel insurance policy from, make sure you fully understand the terms and conditions before agreeing to it so that you have peace of mind knowing what you are and are not covered for during your trip. 

To learn more about GetGoing’s Coronavirus policy and to get a free quote, tap the button below: 

Get cashback when purchasing travel insurance through Quidco

If you want to save money on your travel insurance, one of the best ways to do so is through a cashback website like Quidco. 

You can sign up for free and new customers get a £10 signing up bonus when they make their first purchase. You can either buy travel insurance with Quidco and earn up to £27 in cashback, or you can search other travel insurance deals offered by other companies. GetGoing Travel Insurance currently has a cashback deal of 21% on Quidco’s website. 

Learn more about cashback sites: The Best UK Cashback Websites to Use When Shopping Online 

Coronavirus travel tips – What to look out for when buying travel insurance 

It is important to remember that any travel insurance policy you purchase will only be valid if the country you intend to travel to is listed as safe to travel by the FCO. 

The Coronavirus situation is constantly changing, so we advise that you do the following to ensure your safety: 

  • Be aware of the latest travel news and the FCO’s advice regarding your holiday destination. 
  • Keep up-to-date with Coronavirus news generally. 
  • Learn how to travel safely by plane on the GOV.UK website.
  • After you book flights and/or accommodation, purchase a suitable travel insurance policy. 
  • Follow social distancing rules on your flight and throughout your trip. 
  • Wear face masks when necessary and make sure you regularly wash your hands. 

To get a travel insurance quote now, tap the button below. 

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