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Travel & Covid: How we’re protecting our customers

suitcase with facemask and passport covid

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 and from when, and where to find other important information you might need.

Can I take out a travel insurance policy?

If you’re booking a trip or already have your holiday booked, you can still take out a travel insurance policy with us.

Our single trip and annual multi-trip policies can cover your UK staycation from today, or a trip abroad from 17 May 2021. 

We’re unable to offer policies for international travel before this date due to the national travel ban. These travel dates are subject to change and are dependent on the national government easing lockdown restrictions.

Is my annual travel insurance still valid?

Your current Annual Multi-Trip travel insurance is still valid, however, you will only be covered for domestic trips that begin after 12 April 2021, or international trips from 17 May 2021 due to the government’s travel restrictions.

If you choose to travel internationally between 5 January 2021 and 17 May 2021, our travel insurance won’t be able to cover you and any claims will be denied.

Can I travel right now?

England

From 12 April 2021, domestic holidays in self-contained accommodation are allowed.

You still cannot travel internationally until 17 May 2021 at the earliest.

Read the national lockdown guidance to find out everything you need to know.

Wales

Local travel restrictions were lifted from 12 April 2021, which means you can now travel into, or out of, Wales from within the UK.

International travel outside the UK is still not permitted.

More details can be found on the Welsh government website.

Scotland

From 26 April 2021, travel is permitted anywhere in Scotland and between England, Wales, Northern Ireland, the Channel Islands or the Isle of Man.

International travel outside these areas are still restricted. There’s more information and guidance on travel in Scotland here.

Northern Ireland

Travel in Northern Ireland must be avoided except for essential reasons.

You cannot travel outside of the Common Travel Area unless you have a legally permitted reason.

See the NI government website for more information and any updates.

What to do if your holiday can’t go ahead

If you have a valid Avanti Travel Insurance policy and your holiday is unable to go ahead due to government restrictions, then we can offer to:

  • Move the travel dates on your single trip travel insurance policy at least 18 months on from the date you took out your policy. This won’t cost you a thing as long as there’s no increase in trip duration, although we will be happy to honour one extra day for no additional fee.
  • If you need to make changes to, or cancel, your Single Trip Travel Insurance policy, be sure to do this before you were originally due to travel.

In some cases, there might be an additional charge. For example, if you change your destination(s) to an area that needs greater cover, or if there is a change to your health conditions.

Cancelling your policy because of Covid

If your holiday is no longer going ahead, you can cancel your travel insurance policy within the 14 day cooling off period. If you decide to cancel your policy, we will offer you a full credit voucher refund (for you to use at a later date) or a cash refund.

If you want to cancel your Single Trip Travel Insurance policy outside the 14 day cooling off period you’ll need to make sure you cancel your policy before you were originally due to travel.

Your credit voucher refund is calculated from the point you ask to cancel your policy up to the end date of your policy. This is a pro-rata refund based on the value of your policy.

Your pro-rata credit voucher refund may not be for the full value of your policy as the refund you receive will be for the unused part of your travel insurance. Cancellation cover kicks in as soon as you take out your policy, so we are unable to refund you for this part of the policy.

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. Your credit voucher may be used to pay in full or part pay for your future Avanti Travel Insurance policy.

Your Covid Cover

If you have an existing policy with us (bought on or after 16 March 2020, for travel after 17 July 2020), here’s a reminder of what you’re covered for.

Your level of cover will depend on the date you bought your travel insurance, so be sure to check this.

With our Covid cancellation cover, you’ll be covered for:

  • Cancelling your trip if you have COVID-19 within 14 days of travelling
  • Cancellation and repatriation cover if you’re denied boarding with a positive test for COVID-19
  • Cancelling or cutting your trip short after a death of a close relative from COVID-19
  • Unused, pre-booked excursions if you’re told you self-isolate after getting COVID-19 abroad.

For new policies bought from 29 April 2021, your Covid cover will include everything listed above, along with:

  • Cancelling your trip if you’re told to self-isolate by the government’s Test & Trace system
  • Cancellation and repatriation cover if you’re denied boarding with a confirmed temperature above 38 degrees Celsius
  • Cancelling your trip if you can’t complete your vaccine course due to other illnesses or have an allergic reaction to the vaccine that would stop you travelling
  • Cancelling or cutting your trip short after hospitalisation requiring mechanical ventilation or death of a member of your household from COVID-19

You must travel in line with the government’s lockdown guidelines to be covered by our policy.

You can find the ins and outs of your policy in your policy booklet. You can access your policy documents by logging into your My Avanti account.

Travelling to Europe

Travel to Europe from the UK is restricted, unless it’s absolutely necessary, between 1 January 2021 and 17 May 2021, at the earliest.

In line with government guidance, our single trip and annual multi-trip policies will only cover your trips abroad from 17 May 2021. 

These travel dates are subject to change and are dependent on the national government easing lockdown restrictions.

Travelling outside Europe

Your travel insurance won’t cover you for travel outside of Europe while the government advises against all but essential travel, until at least 17 May 2021.

We’re unable to offer any new Single Trip policies for trips starting before 17 May 2021, while our current Annual Multi-Trip policies will not cover any trips taken between 5 January and 17 May 2021.

These travel dates are subject to change and are dependent on the national government easing lockdown restrictions.

European FCDO Travel Advice Extension

Once the government’s international travel restrictions are lifted, you’ll have the choice to add the European FCDO Travel Advice Extension to your policy. This add-on allows you to travel to European countries even when the FCDO advises against ‘all but essential’ travel, if you feel safe to do so.

All new policies bought from 29 April 2021, will offer cover for COVID-19 at home and abroad. This comprehensive cover includes everything you’d expect from an Avanti policy, plus Covid-related emergency medical expenses, just as long as you’ve received your recommended COVID-19 vaccinations.

Please keep in mind that FCDO advice is different from local and national government restrictions. So, even if you add the European FCDO Travel Advice Extension to your policy, we can’t cover you for travelling against the government’s lockdown guidelines.

Stay up to date with the FCDO and check government advice

When you’re planning your holiday, it’s really important that you make the most of all the advice that’s available.

At the moment, the UK government has lockdown restrictions on international travel, which means our travel insurance can’t cover you for international trips before 17 May 2021.

The FCDO provides a lot of handy information about the risks present in any countries you’re thinking of visiting.

Finally, local government information at your destination will make you aware of any procedures and restrictions that you’ll need to be aware of on your trip.

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