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. Most will also not cover you if you booked your holiday when restrictions of travel to that country are still in place.
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.
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, it is important that you check before you buy.
| Insurer | Single Trip From | Annual From | Cancellation |
| ABTA Travel Sure | £15 | £40 | Yes |
| AllClear | £15 | £32 | Yes |
| AXA | £20 | £30 | Yes |
| Co-operative Travel Insurance | £23 | £52 | Yes |
| Coverforyou | £11 | £32 | Yes |
| Coverwise | £7.50 | £19 | Yes |
| Insurefor | £7.50 | £22 | Yes |
| Jet2 | £21 | £64 | Yes |
| Leisure Guard Travel | £7.00 | £17.99 | Yes |
| Post Office | £25 | £43 | No |
| Saga | £25 | £45 | No |
| Staysure | £11 | £34 | No |
| Trailfinders | £27 | £155 | Yes |
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
Co-operative Travel Insurance
Annual policies from £52 and single trip from £23.
What Is Covered
If you or a travelling companion 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 or a travelling companion 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 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
If the area you are staying is placed into lockdown and you cannot return home when you were due to travel
Jet2 Travel Insurance
Annual policies from £64 and single trip from £21
What Is Covered
If you or a travelling companion 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 or a travelling companion 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 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
If the area you are staying is placed into lockdown and you cannot return home when you were due to travel
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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