Covid-19 Travel Insurance

Travel insurance with Covid “protection” is now being offered although when you dig down into the terms and conditions there are loads of things not covered.

All travel insurance policies vary what they will and won’t cover and many are excluding coronavirus from their policies all together. Policies will not cover you if you have any Covid-19 symptoms when you book your policy, and in some cases when you booked your holiday. Some will also state that the insurance only covers certain areas if your airline, travel company or accommodation can’t reimburse you.

We have checked the latest policies, costs and Covid-19 specific conditions to help you narrow down your options.

Please note all prices relate to cheapest options and will be more for travel outside of Europe. Exclusions and areas covered are changing all the time so it is important that you check the terms and conditions before booking – the following list is intended as a guide only, we are not recommending any travel insurance as it is important that insurance covers your individual requirements.

Updated with latest information on 24th July

All of the travel insurance listed below includes at least some medical cover for coronavirus. Cancellation cover for coronavirus is shown in the table, again level of cover and exclusions will vary.

InsurerSingle Trip FromAnnual FromCancellation
ABTA Travel Sure£15£40Yes
AllClear £15£35Yes
AXA£20£34Yes
Coverforyou£11£32Yes
Coverwise£7.50£19Yes
Insurefor£7.50£22Yes
Leisure Guard Travel£6.10£17.99Yes
Post Office£25£43No
Saga£19£45No
Staysure£11£34No
Trailfinders£27£155Yes

Coverwise

Annual cover from £19. Single trip from £7.50. Click here for more details and your quote

What Is Covered

You or a close relative tests positive for Covid-19 either before or during your trip. Includes additional accommodation if you cannot return home as planned.

The UK Government requires someone insured on the policy to quarantine or self-isolate on the date you are due to depart

A family member you were due to stay with has to quarantine or self-isolate and you have nowhere else to stay

The FCO advises not to travel to your destination, your destination are denying entry or requiring people to quarantine or self-isolate on arrival

You are asked to return home due to local authority instructions

You are denied boarding due to Covid-19 symptoms

Exclusions

You are legally entitled to a refund in cash or a voucher by your airline or travel provider

Travel restrictions are in place due to WHO declaring a pandemic or known event

If there is FCO advice not to travel to that area

Trailfinders

Annual policies from £155 (worldwide cover) and single trip from £27

What Is Covered

Cover is included for cancellation prior to departure, person specific quarantine both prior to departure and whilst overseas, curtailment of a trip and overseas medical expenses.

You fall ill while abroad and need medical cover and/or repatriation and/or need to extend your stay. A close family member dies and you need to return home.

You are denied boarding due to Covid-19 diagnosis or denied entry due to high temperature

Exclusions

If you are travelling against medical advice

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

If the UK, or local area, is under lockdown at the time of travel

ABTA Travel Sure

Annual cover from £40. Single trip from £15

What Is Covered

You fall ill with COVID-19 (or other Pandemic illness) at home and cannot travel. You or a household member has to self isolate at home and cannot travel.

You fall ill while abroad and need medical cover and/or repatriation and/or need to extend your stay. Your trip needs to be cut short as a close relative has passed away from COVID-19

You have been denied boarding at the airport due to detected symptoms of COVID-19 

You are due to stay with family. A family member who you are due to stay with has to self isolate due to pandemic illness. You wish to cancel the trip as you no longer have anywhere to stay

Your travel provider or airline goes into administration due to the pandemic

Exclusions

If you are travelling against medical advice

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

Current government or other regulatory authority restrictions due to a pandemic were already in place at time of purchasing your insurance or booking holiday and restrictions remain in place at time of departure preventing you from travelling

No government restrictions are in place at time of purchasing insurance/booking holiday. A new pandemic is declared and government restrictions are put in place and prevent you from travelling

Your holiday has been cancelled due to a pandemic and your provider is only offering you a voucher rather than a refund

You decide not to travel for any reason

Leisure Guard Travel

Annual policies available from £17.99 and single trips from £6.10

What Is Covered

You or a travelling companion tests positive for Covid-19 up to 14 days prior to start of trip or have been hospitalised up to 28 days prior to travel.

You or a travelling companion are denied boarding following a positive Covid-19 test, temperature check or other medical test.

Medical costs are covered if you fall ill with Covid-19 during your trip, including additional costs related to the positive test

Accommodation costs if you have checked in and then they close

Cover will extend if cannot return at the scheduled time due to having Covid-19

Exclusions

If you have to self-isolate having come into contact with someone with Covid-19

If you are shielding or advised not to travel

If you decide not to travel

If there is FCO or WHO advice not to travel to that area

If you are refused entry due to Covid-19

If the area you have travelled to enters lockdown and you cannot leave on time

Coverforyou

Annual policies from £32 and single trip from £11

What Is Covered

You cannot travel due to contracting Covid-19

You or a household member has to self-isolate and you cannot travel.

You fall ill while abroad and need medical cover and/or repatriation and/or need to extend your stay. A close family member dies and you need to return home.

You are denied boarding due to Covid-19 symptoms

New government restrictions are implemented requiring quarantine on arrival or return home.

New restrictions are implemented following travel

Your airline or travel company goes into administration due to the pandemic

Exclusions

If you are travelling against medical advice

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

Insurefor

Annual policies from £22 and single trip from £7.50

What Is Covered

If you receive a positive diagnosis of Coronavirus within 14 days of the start of the trip. You must have received a positive COVID-19 NHS test. 

If you are admitted to hospital due to Coronavirus within 28 days of the start of the trip. You must have received a positive COVID-19 NHS test.

If you or your travel companion are denied boarding following either a COVID-19 diagnosis with an NHS or other government official test or receiving a temperature test reading or other medical test which falls outside of the transport provider’s terms of travel

You are denied boarding due to Covid-19 symptoms

You fall ill while abroad and need medical cover and/or repatriation and/or need to extend your stay.

Accommodation costs if you have checked in and then they close

Exclusions

If you are travelling against medical advice or a currently shielding

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

 If you or your travelling companion have to self-isolate because you have come into contact with someone who has Coronavirus (COVID-19)

If you decide you no longer want to travel

If you are refused entry into a country due to Covid-19

Staysure

Annual policies from £34 (current offer includes) 15 months for the price of 12 and single trip from £11

What Is Covered

You, a travelling companion, people you live with or people your’e staying with on holiday contract Covid-19 within 14 days of travelling

You fall ill while abroad and need medical cover and/or repatriation and/or need to extend your stay. A close family member dies and you need to return home.

You are denied boarding due to Covid-19 symptoms

Exclusions

If you are travelling against medical advice

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

AXA

Annual policies from £34

What Is Covered

Emergency medical claims related to Covid-19 in countries exempt from FCO advice.

If you or a travelling companion with or a close relative contracts coronavirus and/or they have to quarantine before the trip

Exclusions

Any non-medical cancellation or disruption including lockdowns, FCO travel advice and destination travel advice not to travel.

AllClear

Annual policies from £35 and single trip from £15

What Is Covered

Medical emergency cover

You, a travelling companion or a family member test positive for Covid-19 prior to travel or you are personally required to quarantine and cannot travel

You are denied boarding due to Covid-19 symptoms

Exclusions

If you are travelling against medical advice

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

Cancellations due to restrictions implemented by any government or administration or actions taken by a transport or accommodation provider as a result of or to control coronavirus.

Post Office

Annual policies from £43 and single trip from £25

What Is Covered

Medical emergency cover, including repatriation if you fall ill overseas

Exclusions

Cancellation cover

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

Saga

Annual policies from £45, single trip from £19

What Is Covered

Medical emergency cover, including repatriation if you fall ill overseas

Exclusions

Cancellation cover

If you are travelling against government, FCO or other regulatory body advice WHO advice not to travel to that area

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Published by flyingdogtravel

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