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Travel & Covid: How we’re protecting our customers

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As of 19 July, fully vaccinated travellers can now go on holiday to amber list countries from the UK without needing to self-isolate or quarantine on return. Make sure you check the FCDO’s travel advice before you set off and while you’re away.

To help give you peace of mind, we’ve put together some information about how Covid is affecting travel. Find out how to update your plans, what your travel insurance policy covers you for, from when, and where to find other important information you might need.

Am I covered for Covid?

When you take out a travel insurance policy with us, Covid Cover comes as standard. If you bought your policy after 29 April 2021, here’s what’s included:

  • Covid-related emergency medical and repatriation expenses
  • Cancellation or cutting your trip short for Covid-related reasons
  • Additional accommodation/transport if you need it*
  • Daily benefit if you need to self-isolate with Covid while you’re away

Find out more on our Covid Cover page, or contact us if you bought your policy before 29 April.

Can I travel against FCDO advice?

The FCDO has two levels of advice: against ‘all but essential travel’ and against ‘all travel’. This advice is designed to let travellers know if the country they want to go to is safe.

At the moment, it’s mainly about Covid, but it can also be due to other reasons such as natural disasters and terrorism.

Travel providers base a lot of their services on whether the FCDO says it’s safe to travel.

When the FCDO says ‘all but essential travel’ is allowed, you can still get a level of cover with our European FCDO Travel Advice Extension if you need to travel.

Most travel to countries where the FCDO advise against ‘all travel’ isn’t allowed.

Can I travel to amber or red list countries?

The traffic light system is there to let you know what you need to do when you get back to the UK, so it doesn’t decide whether you can travel or not. Your travel insurance isn’t affected by the traffic light system, either.

The official advice at the moment is that you can travel to amber countries on holiday, but it’s recommended against going to red list countries for leisure.

FCDO advice and entry requirements are most important for knowing whether you can travel and take out travel insurance.

The traffic light system and FCDO advice don’t always align. Generally speaking, the amber list has a mixture of no advice and advice against ‘all but essential travel’. The red list is a mixture of advice against ‘all but essential travel’ and ‘all travel’.

There are always exceptions, though, so keep an eye on the country you’re travelling to before you go and while you’re there.

What restrictions do I need to follow when I travel?

When travelling, you need to pay attention to any FCDO advice and entry requirements for your destination.

When travelling back to the UK, you need to pay attention to the traffic light system as this lets you know the restrictions you need to follow when you return.

Restrictions may include testing, self-isolation, and quarantine, which you can find out more about by reading our ‘travelling during coronavirus’ blog.

There may also be different restrictions in both directions for people who are fully vaccinated. For example, fully vaccinated travellers from amber list countries (excluding countries on the ‘amber plus’ list) no longer need to self-isolate like non-vaccinated people.

To class as ‘fully vaccinated’, you have to have had your second dose at least 14 days before travelling.

What tests do I need to take?

Testing requirements can change depending on the destination. You’ll usually need to take PCR tests for travel (including when you come back to the UK), but there are some places that only need you to take lateral flow tests.

You’ll be able to find this out when you look into the entry requirements for where you’re going.

To make it easier for you to get travelling again, we’ve teamed up with Randox Health to give you a 10% discount on PCR tests for travel. Their packages take the hassle away so you can focus on enjoying your next holiday.

What happens if a country changes list?

The traffic light system doesn’t have any affect on your travel insurance.

This means that if the country you are planning on travelling to changes list, you won’t be covered to cancel your trip. You might be able to change your dates, at a cost.

If the country you’re currently visiting changes list, you won’t be covered for cutting your trip short. If the FCDO increases their advice against travel to your destination, or if the government says you need to return to the UK, your insurance might be invalidated.

None of the costs associated with a change in the list a country is on can be claimed on your travel insurance.

What if my holiday can’t go ahead?

If your holiday can’t go ahead, you need to first contact your holiday provider. If the government imposes a travel ban or your destination changes list, they might be able to help.

You won’t be covered to travel against any government travel bans or FCDO advice, unless you have the extension for ‘all but essential travel’ advice.

Can I change my dates?

If your travel provider needs to cancel your holiday, they should be responsible for rearranging your travel dates.

If you rebook, we can:

  • Change your single trip policy start date as long as it’s within 18 months of the date you bought your policy, or 24 months if you bought your policy after 29 April 2021 and are eligible (this may come at a cost).

If you do need to make changes, please make sure you do so before you travel.

Can I cancel my trip?

You can cancel your travel insurance policy within the 14-day cooling off period. If you do, we will offer you a full credit voucher refund or a cash refund.

Credit vouchers are valid for 36 months, just as long as you haven’t travelled and haven’t, or aren’t intending to, make a claim on your policy.

You can use your credit voucher to pay in full or part pay for your future travel insurance policy.

*Additional accommodation and transport will only be granted if it is deemed necessary by our medical officer.

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