The information below is correct for policies sold up until 31st October 2021, if you purchased your policy after this please click here
Any policy sold by Insure & Escape includes cover for any medical claim** due to Coronavirus* while travelling so long as you are travelling to an area where no FCDO or other regulatory authority advice against travel exists. We include cover on our Finest and First levels of cover sold on or after 11th November 2020 for cancellation due to you falling ill with Coronavirus* and being unable to travel, subject to medical certification or an official test result.
Our policies will not cover any cancellation due to government restriction on travel due to Coronavirus* or any future pandemic (for example the FCDO or other regulatory authority advising against all travel or all but essential travel to your destination or your flights being cancelled).
For the full limits of cover for your chosen policy please refer to your schedule of cover. Terms and Conditions apply.
* Coronavirus (COVID-19), severe acute respiratory syndrome coronavirus (SARS-COV-2) or other Pandemic Illness.
** This is a travel insurance policy and not private medical insurance. This means there is no cover for any medical expenses incurred in private medical facilities if we have confirmed that medically capable public facilities are available.
You can travel to any destination listed on your certificate of insurance unless the Foreign, Commonwealth and Development Office (FCDO) or other regulatory authority advises against either 'All' or 'All but essential' travel to that destination on the date of your departure. You can view the current advice by clicking here.
We additionally note that at the current time you may be subject to a requirement to self-isolate for 14 days on your return to the UK if you travel to a country that is not a travel corridor. You can view the current list of travel corridor countries that are exempt from self-isolation by clicking here.
| Scenario | Cover Stance | Cover Conditions |
|---|---|---|
| Prior To Travel | ||
| You test positive for COVID-19 (up to 14 days prior to travelling) and are unable to travel | Covered on Finest and First Cover | Confirmation of positive test results and no symptoms or diagnosis prior to purchasing your policy |
| You have been made redundant and cannot afford to travel anymore | Covered as standard | Confirmation letter, and must be since purchasing your policy as you are not covered for a known event prior to purchase |
| Your airline goes into administration due to the pandemic | Covered on Finest and First Cover | Confirmation that you are unable to recoup the costs elsewhere |
| During Your Trip | ||
| You fall ill with COVID-19 (or other Pandemic illness) abroad and need medical treatment abroad | Covered as standard | Confirmation that no symptoms or diagnosis made prior to travel |
| You fall ill with COVID-19 (or other Pandemic illness) abroad and need to be repatriated to the UK | Covered as standard | Confirmation that no symptoms or diagnosis made prior to travel |
| You show symptoms of COVID-19 whilst on your trip and must self isolate in your accommodation and you would like to claim for any cancelled excursions | Covered on Finest and First Cover | Confirmation that no symptoms or diagnosis made prior to travel as well as proof of your proportional share of costs |
Please note, that unless otherwise stated in the table above, no other costs related to COVID-19 will be covered. Terms and Conditions apply.
The Foreign, Commonwealth and Development Office (FCDO) have released a list of countries which us Brits are now allowed to travel to. There is also a further list of countries which will not require any self-isolation upon return (bonus!) - you can find the full list here (rules differ depending on where you live in the UK).
Yes, you or anyone named on your policy will be covered with any of our products for any emergency and necessary emergency medical treatment, including repatriation, as a result of Coronavirus.
Your policy will also cover you for all other emergency medical treatment abroad as per the terms and conditions of the policy.
As of 11th November 2020 our Finest and First levels of cover will provide cover if you have to cancel your trip due to contracting coronavirus.
The cover for Coronavirus under your policy will depend on the date you purchase your policy and the level of cover you hold.
If you purchased your policy prior to the 17th March 2020
You have cover for cancellation claims if you have to cancel your trip due to testing positive for COVID-19 up to 14 days prior to travelling.
If you purchased your policy between the 17th March and 10th November 2020
There is no cover for cancellation claims due to COVID-19 under your policy.
If you purchased your policy on or after the 11th November 2020
If you have our Finest or First level of cover you will have cover for cancellation claims if you have to cancel your trip due to testing positive for COVID-19 up to 14 days prior to travelling.
If you have any other level of cover there is no cover for cancellation claims due to COVID-19 under your policy.
If you are unable to travel and you haven't made a claim or travelled on the policy, you could be entitled to a partial or pro-rata refund if you were to cancel it. Alternatively, if your travel plans have been re-scheduled you may be able to move your Single Trip travel dates (see below). Please contact our customer services team for more information.
If your airline or tour operator have cancelled your booking, it is their responsibility to either change your dates or offer you a full refund.
Which? has provided some great advice on seeking refunds here.
Yes, no problem! If you have a Single Trip policy, you can move your travel start date up to 12 months from your original purchase date. Please contact our customer services team for more information.
Please note: There may be an increased cost to your policy if you are extending the duration, changing the geographical destination or making other changes to the inclusive or optional cover.
If you have a specific scenario not listed above for which you would like clarification, please contact our team at support@insureandescape.co.uk or 0203 137 0379
