If you bought your policy prior to the outbreak and have a travel disruption section, you may be covered if the trip is cancelled or curtailed outside of your control.
If a trip was booked after COVID-19 in March, the policy will not respond for any cancellation costs, disinclination to travel and insolvency of an airline or hotel would also not be covered .
Medical treatment abroad should be covered, but please be aware that local facilities may be unavailable and medical repatriation or transfer to available facilities, will be subject to any travel restrictions.
Where the FCO advise essential trips only to countries or territories:-
- Leisure travel is not essential and there will be no cover.
- Business travel full details of the trip will be required to justify the essential trip. We will refer to your Insurer for approval and confirmation of cover obtained.