We buy travel insurance to cover a wide range of risks including the theft of our baggage, through medical costs should we fall ill, to cancellation costs because we cannot go on our well earned break.
And undoubtedly our advice is always to make sure you have travel insurance in place to ensure that if you need to fall back on that cancellation cover that you can do so from the day you start paying for your holiday. Normally this is months before your break when you pay the deposit on your holiday or buy the flights for your trip abroad.
And just because of coronavirus our advice has not changed - because if you need to cancel that holiday because you are unfortunate enough to break a leg which stops you from flying, or a relative falls badly ill with a illness that is not connected to Covid-19 you still want to be able to claim in that instance.
However now there is more to consider.
Policies are starting to appear that will provide cover in a range of circumstances. However it is not possible currently to get a policy that covers everything - so it is a question of deciding which policy is going to cover you best - depending on the holiday you are taking. In some circumstances it can even be worth taking two policies.
Some of the risks that can be covered include
A selection of policies covering a varying levels of cover include:
|Company||Product||Travel Against FCO Advice Permitted||Covid Cancellation Costs Covered||Cancellation Costs if Required to Self Isolate||Pre Existing Medical Conditions Can Be Covered||Excess||Single Trip 7 day One Traveller||Annual Family Policy||More Info|
For full details of Coronavirus cover inclusions and exclusions please visit: battleface Coronavirus Policy Inclusions.
battleface policies cover countries that include those that are under FCO and government essential and non-essential travel advisories.
battleface provide cover for emergency medical expenses caused by or resulting from COVID-19 for travellers up to the age of 59 or under. Anyone above 59 will remain covered for other illnesses and accidents, subject to the policy benefits, limits and wording.
There is no cover for expenses in relation to COVID-19 or any governmental travel restriction for any type of trip cancellations, curtailment of a holiday or lockdowns.
battleface do not currently provide annual or zonal policies as they assess each country to be visited individually at the time they are to be visited.
For full details of Coronavirus cover inclusions and exclusions please visit: Coverwise Coronavirus Policy Inclusions
For full details of Coronavirus cover inclusions and exclusions please visit: Coverforyou Coronavirus Policy Inclusions Special offer - Zero Excess on all policies and a 5% discount when you use voucher code CFYA5
For full details of Coronavirus cover inclusions and exclusions please visit: Staysure Coronavirus Policy InclusionsSpecial Offer: 15 Months cover for the price of 12 on Annual Policies Staysure are strong in providing cover to those with a wide range of medical conditions
For full details of Coronavirus cover inclusions and exclusions please visit: Coverwise Coronavirus Policy Inclusions and click the Coronavirus information link.Special Offer: 15 Months cover for the price of 12 on Annual Policies
For full details of Coronavirus cover inclusions and exclusions please visit: WorldwideInsure Coronavirus Information Worldwide Insure have policies available if you have already started your trip. They are also able to cover non UK residents
The price examples above assume:
Single traveller aged 40 on a holiday to Spain Family of two adults aged 40 and two children aged 10 and 8 travelling to Spain No pre-existing medical conditions Battleface do not offer an annual policy.
If you have an existing travel insurance bought before mid March for travel arranged before that time it may also cover for cancellation (depending on the particular policy you purchased). Policies bought later, or trips arranged after are unlikely to be covered unless the policy specifically includes such cover as Coronavirus is a 'known event' and insurers declared that they would not cover it in future.
This content was last reviewed on 11/08/2020