On the 11 March 2020, the World Health Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of 11 March 2020, coronavirus is therefore considered a ‘foreseen event’, which means certain parts of your travel insurance policy may not apply.
Here, you’ll find all the information and guidance you’ll need when it comes to coronavirus and your travel insurance. If you still can’t find the answers you’re looking for, check out our Frequently Asked Questions or get in touch.
And remember, before you book a trip or travel, check the latest Foreign, Commonwealth & Development Office (FCDO) guidance. If the FCDO is advising against all but essential travel to your destination, your travel insurance won’t cover you.
Here’s a summary of what you are and aren’t covered for when it comes to COVID-19. For all the detail, please read your policy wording.
To make sure things go as smoothly as possible, make sure you have all the right documentation to hand before getting in touch with AIG.
When submitting a claim, AIG will ask for:
Remember, travel insurance only covers you for non-refundable costs. Therefore, you should contact your travel provider (tour operator, accommodation provider, airline, or travel agent) in the first instance for a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you’re entitled to a refund.
For Clydesdale Bank Travel Insurance
AIG will consider each claim based on the individual facts and circumstances surrounding the events.
As part of your travel insurance cover, you have access to the Virtual Medical Care service, which can provide you, your partner or dependent children with unlimited, 24/7 access to a GP who can give information and advice.
You can access the Virtual Medical Care service by phoning 0203 499 0658, downloading the Virtual Medical Care App or visiting the website at virtualmedicalcare.co.uk. You will need to use your sort code as your reference/policy number.
Remember, it's important to follow Government and NHS guidance if you think you might have coronavirus.
There are specific events for which you are covered for cancellation under your policy. If your travel provider has cancelled or postponed due to the existence of COVID-19 or the pandemic, this is not a covered event under your policy.
Travel insurance also only covers non-refundable costs. If you have been allowed to change your booking date or received a voucher, credit or any other form of compensation, you will not be able to claim under the policy.
However, your travel provider (tour operator, accommodation provider, airline, or travel agent) should provide you with a refund if they cancelled your trip. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you are entitled to a refund.
No, you won’t be covered and can’t make a claim if you decide to travel to a destination against FCDO advice. This applies even if the FCDO guidance wasn’t in place when booked your trip, but is in place by the time you’re due to travel.
Sorry, your travel insurance won’t cover you for cancellation if you change your mind and decide you no longer want to travel. This is because you not wanting to travel (also known as ‘disinclination to travel’) isn’t covered under your policy terms and conditions.
Please contact AIG – they will review and consider your individual circumstances and will let you know if you can make a claim.
No – you’ll not be covered for cancellation of your trip if you’re not able to comply with quarantine or self-isolation measures. This is because it’ll be considered as ‘disinclination to travel’, which isn’t covered under your policy terms and conditions.
Yes – you can claim for emergency medical expenses if you become seriously ill with COVID-19. You can also claim for reasonable and necessary travel expenses incurred as a result of becoming ill.
Yes – you can make a claim for you, your partner living with you and up to four dependants in these circumstances. Your partner must be under the age of 75 and your dependants must be under the age of 18 and either living with you or in full-time education. You are not able to claim for anyone else, even if you booked the trip for them.
No – if you or a member of your family needs to self-isolate when you don’t have COVID-19, you won’t be covered for cancellation of your trip. This is because quarantine and any requirement to self-isolate is not covered under your policy terms and conditions.
Yes – trips cancelled or cut short as a result of a serious illness, including testing positive for coronavirus, are covered. This includes the serious illness of a person you have booked to travel with or a friend living abroad who you had planned to stay with.
No – you’ll not be covered for cancellation of your trip. This is because the requirement to quarantine is not covered under your policy. Also you will not be covered for any costs incurred by having to quarantine in a hotel when returning to the UK.
You will only be able to claim for cancellation of your trip if the change in FCDO advice is not due to an epidemic or pandemic, such as COVID-19.