How could my travel insurance be affected by Coronavirus?

Travel

If you’re looking for information regarding the coronavirus and travel insurance, you may find the answers to your questions here. 

If you still can't find what you're looking for, other ways to get help and information include visiting our claims centre, logging into your online account or speaking to us on Live Chat.


I’m worried about coronavirus - if I cancel my trip, will I be covered?

Check whether your travel destination has been affected here.

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:

1. My trip has been cancelled because the FCO (or equivalent government or national authority or the World Health Organisation) has advised against all travel or all but essential travel.

You can cancel your policy and receive a full refund (subject to no claims made or pending on the policy).

2. I am disinclined to travel due to concerns / fear around coronavirus.

You can cancel your policy and receive a pro-rata refund (subject to no claims made or pending on the policy).


I have an Endsleigh policy and need to cancel my trip to an area that the FCO have advised against travelling to. What should I do?

If you have a travel policy starting with SL9, SA9, MT9 or GY9, you should contact your travel claims team if you are affected by one of the following circumstances:

  • You are due to travel to an area where a regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider. Your claims handler will request written evidence detailing this and any refunds you have received, so contact your tour operator and / or transport and accommodation provider first to see if they will refund any costs.
  • You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. You should also contact your claims team if the area you are due to travel to is ‘locked down’ due to quarantine.
  • You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
  • You are due to travel to an area where you will need to self-isolate upon return.


If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:

  • I am due to travel and I have symptoms of coronavirus or have been diagnosed with the condition.
  • I am due to travel and a close relative has symptoms of Coronavirus or has been diagnosed with the condition.
  • I am unable to travel due to compulsory quarantine by a medical practitioner advising me not to leave my home.
  • My child is due to go on a school trip, but staff member(s) have been placed in compulsory quarantine by a medical practitioner and the trip can no longer go ahead.
  • I am unable to travel because I work in the armed forces, police, nursing or ambulance services and my annual leave has been cancelled for operational reasons.


In the first instance you should speak to your accommodation / transport provider to defer, rearrange or cancel your trip. Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

If you purchased your policy prior to 4.27pm on 11th March 2020 and have any costs you are unable to recover, contact our claims team to submit a claim. For full details of how to submit a claim, please refer to you policy documentation under “Claims Conditions”.

The policy does not cover cancellation for the following events:

  • I am due to travel to a country or region that the Foreign and Commonwealth Office or equivalent government or national authority, or the World Health Organisation has advised against travelling to.
  • My airline has cancelled my flight due to the Coronavirus, but the Foreign and Commonwealth Office has not advised against travel to that country or region.
  • My visa has been suspended due to the Coronavirus and I am unable to travel as planned.
  • I am unable to travel due to a regulatory authority advising me not to leave my home i.e. “lock down”.
  • I have voluntarily chosen to “self-isolate” without orders from a medical practitioner and am unwilling to travel.
  • My child is due to go on a school trip, but the school has closed following government advice.
  • I am disinclined to travel due to concerns / fear around Coronavirus.
  • I am due to travel to an area where I will need to self-isolate upon return.
  • I am due to travel, but the main purpose of the trip was to attend an event that has now been cancelled or visit an attraction that is now closed.


Known circumstances/events at the start date of your cover. Effective from 4.27pm on 11th March 2020, Coronavirus (Covid-19) was declared a pandemic by the World Health Organisation and became a global known event. All policies sold after this time (or new trips booked under existing policies) will not cover claims under the ‘Cancellation or curtailment charges’ section due to Coronavirus (Covid-19).

You should speak to your accommodation / transport provider to defer, rearrange or cancel your trip.

Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

Visit our claims centre.

Please note: Cancellation is not covered if you decide not to travel to an area for which there is no regulatory advice in place.


Where do I stand if my airline has cancelled my flight?

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9 and you have been affected by the following circumstances, you will be provided with cover as follows:

1. I have symptoms of coronavirus or have been diagnosed with the condition.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 30 days.

2. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 14 days.

3. My journey home has been delayed for reasons outside of my control.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 14 days.

For Chinese students studying in the UK, your cover will be automatically extended without any charge for the period of the delay up to and including 31st March 2020.


I'm in UK quarantine and need to cancel my trip. Can I claim for cancellation?

If you have a travel policy starting with SL9, SA9, MT9 or GY9, you should contact your travel claims team if you are affected by one of the following circumstances:

  • You are due to travel to an area where a regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider. Your claims handler will request written evidence detailing this and any refunds you have received, so contact your tour operator and / or transport and accommodation provider first to see if they will refund any costs.
  • You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. You should also contact your claims team if the area you are due to travel to is ‘locked down’ due to quarantine.
  • You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
  • You are due to travel to an area where you will need to self-isolate upon return.


If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:

  • I am due to travel and I have symptoms of coronavirus or have been diagnosed with the condition.
  • I am due to travel and a close relative has symptoms of Coronavirus or has been diagnosed with the condition.
  • I am unable to travel due to compulsory quarantine by a medical practitioner advising me not to leave my home.
  • My child is due to go on a school trip, but staff member(s) have been placed in compulsory quarantine by a medical practitioner and the trip can no longer go ahead.
  • I am unable to travel because I work in the armed forces, police, nursing or ambulance services and my annual leave has been cancelled for operational reasons.


In the first instance you should speak to your accommodation / transport provider to defer, rearrange or cancel your trip. Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

If you purchased your policy prior to 4.27pm on 11th March 2020 and have any costs you are unable to recover, contact our claims team to submit a claim. For full details of how to submit a claim, please refer to you policy documentation under “Claims Conditions”.

The policy does not cover cancellation for the following events:

  • I am due to travel to a country or region that the Foreign and Commonwealth Office or equivalent government or national authority, or the World Health Organisation has advised against travelling to.
  • My airline has cancelled my flight due to the Coronavirus, but the Foreign and Commonwealth Office has not advised against travel to that country or region.
  • My visa has been suspended due to the Coronavirus and I am unable to travel as planned.
  • I am unable to travel due to a regulatory authority advising me not to leave my home i.e. “lock down”.
  • I have voluntarily chosen to “self-isolate” without orders from a medical practitioner and am unwilling to travel.
  • My child is due to go on a school trip, but the school has closed following government advice.
  • I am disinclined to travel due to concerns / fear around Coronavirus.
  • I am due to travel to an area where I will need to self-isolate upon return.
  • I am due to travel, but the main purpose of the trip was to attend an event that has now been cancelled or visit an attraction that is now closed.

Known circumstances/events at the start date of your cover. Effective from 4.27pm on 11th March 2020, Coronavirus (Covid-19) was declared a pandemic by the World Health Organisation and became a global known event. All policies sold after this time (or new trips booked under existing policies) will not cover claims under the ‘Cancellation or curtailment charges’ section due to Coronavirus (Covid-19).

You should speak to your accommodation / transport provider to defer, rearrange or cancel your trip.

Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

Visit our claims centre.

Please note: Cancellation is not covered if you decide not to travel to an area for which there is no regulatory advice in place.


What happens if I get coronavirus whilst I'm away?

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9 and you have been affected by the following circumstances, you will be provided with cover as follows:

1. I have symptoms of Coronavirus or have been diagnosed with the condition.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 30 days.

2. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 14 days.

3. My journey home has been delayed for reasons outside of my control.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 14 days.

For Chinese students studying in the UK, your cover will be automatically extended without any charge for the period of the delay up to and including 31st March 2020.

 

If I have coronavirus before I'm due to travel, can I cancel my trip?

If you have a travel policy starting with SL9, SA9, MT9 or GY9, you should contact your travel claims team if you are affected by one of the following circumstances:

  • You are due to travel to an area where a regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider. Your claims handler will request written evidence detailing this and any refunds you have received, so contact your tour operator and / or transport and accommodation provider first to see if they will refund any costs.
  • You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. You should also contact your claims team if the area you are due to travel to is ‘locked down’ due to quarantine.
  • You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
  • You are due to travel to an area where you will need to self-isolate upon return.


If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:

  • I am due to travel and I have symptoms of coronavirus or have been diagnosed with the condition.
  • I am due to travel and a close relative has symptoms of Coronavirus or has been diagnosed with the condition.
  • I am unable to travel due to compulsory quarantine by a medical practitioner advising me not to leave my home.
  • My child is due to go on a school trip, but staff member(s) have been placed in compulsory quarantine by a medical practitioner and the trip can no longer go ahead.
  • I am unable to travel because I work in the armed forces, police, nursing or ambulance services and my annual leave has been cancelled for operational reasons.

In the first instance you should speak to your accommodation / transport provider to defer, rearrange or cancel your trip. Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

If you purchased your policy prior to 4.27pm on 11th March 2020 and have any costs you are unable to recover, contact our claims team to submit a claim. For full details of how to submit a claim, please refer to you policy documentation under “Claims Conditions”.

The policy does not cover cancellation for the following events:

  • I am due to travel to a country or region that the Foreign and Commonwealth Office or equivalent government or national authority, or the World Health Organisation has advised against travelling to.
  • My airline has cancelled my flight due to the Coronavirus, but the Foreign and Commonwealth Office has not advised against travel to that country or region.
  • My visa has been suspended due to the Coronavirus and I am unable to travel as planned.
  • I am unable to travel due to a regulatory authority advising me not to leave my home i.e. “lock down”.
  • I have voluntarily chosen to “self-isolate” without orders from a medical practitioner and am unwilling to travel.
  • My child is due to go on a school trip, but the school has closed following government advice.
  • I am disinclined to travel due to concerns / fear around Coronavirus.
  • I am due to travel to an area where I will need to self-isolate upon return.
  • I am due to travel, but the main purpose of the trip was to attend an event that has now been cancelled or visit an attraction that is now closed.

Known circumstances/events at the start date of your cover. Effective from 4.27pm on 11th March 2020, Coronavirus (Covid-19) was declared a pandemic by the World Health Organisation and became a global known event. All policies sold after this time (or new trips booked under existing policies) will not cover claims under the ‘Cancellation or curtailment charges’ section due to Coronavirus (Covid-19).

You should speak to your accommodation / transport provider to defer, rearrange or cancel your trip.

Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

Visit our claims centre.

Please note: Cancellation is not covered if you decide not to travel to an area for which there is no regulatory advice in place.

 

What should I do if the company I booked my trip with are no longer trading?

If you have travel insurance in place already, you can contact us to make a claim. We cover for airline financial failure, cancellation etc.


My destination country has closed its borders due to coronavirus - does my insurance cover me?

No, unfortunately we won't cover to anywhere the FCO has advised against travelling to.

What happens if the UK is on lock down and refuses my re-entry?

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9 and you have been affected by the following circumstances, you will be provided with cover as follows:

1. I have symptoms of Coronavirus or have been diagnosed with the condition.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

2. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

3. My journey home has been delayed for reasons outside of my control.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

4. I am an international student studying in the UK and my journey home has been delayed for reasons outside of my control.

Subject to you remaining within the terms of your visa, cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you leave the UK, whichever is the earlier). This extends to all sections of cover.

For Chinese students studying in the UK, your cover will be automatically extended without any charge for the period of the delay up to and including 30th April 2020.


What dates am I covered for the coronavirus on my travel insurance?

You will be covered for the dates outlined on your policy, unless you are stuck overseas in which case we will provide cover up to the amounts stated on the policy. We will not provide cover if you choose to travel to a country where advice is already in place, or where you've made the decision to leave a country where there is not advice in place.


I have a health condition which is pre-existing and don't want to travel. Will my insurance cover me?

If you have a travel policy starting with SL9, SA9, MT9 or GY9, you should contact your travel claims team if you are affected by one of the following circumstances:

  • You are due to travel to an area where a regulatory body has advised against travel to and you have costs that will not be covered by your tour operator or transport provider. Your claims handler will request written evidence detailing this and any refunds you have received, so contact your tour operator and / or transport and accommodation provider first to see if they will refund any costs.
  • You are unable to commence your trip due to a compulsory quarantine or a regulatory authority advising you not to leave your home. You should also contact your claims team if the area you are due to travel to is ‘locked down’ due to quarantine.
  • You have a pre-existing medical condition and a medical practitioner has advised you not to travel due to a risk to your health.
  • You are due to travel to an area where you will need to self-isolate upon return.


If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9, under the following circumstances:

  • I am due to travel and I have symptoms of coronavirus or have been diagnosed with the condition.
  • I am due to travel and a close relative has symptoms of Coronavirus or has been diagnosed with the condition.
  • I am unable to travel due to compulsory quarantine by a medical practitioner advising me not to leave my home.
  • My child is due to go on a school trip, but staff member(s) have been placed in compulsory quarantine by a medical practitioner and the trip can no longer go ahead.
  • I am unable to travel because I work in the armed forces, police, nursing or ambulance services and my annual leave has been cancelled for operational reasons.

In the first instance you should speak to your accommodation / transport provider to defer, rearrange or cancel your trip. Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

If you purchased your policy prior to 4.27pm on 11th March 2020 and have any costs you are unable to recover, contact our claims team to submit a claim. For full details of how to submit a claim, please refer to you policy documentation under “Claims Conditions”.

The policy does not cover cancellation for the following events:

  • I am due to travel to a country or region that the Foreign and Commonwealth Office or equivalent government or national authority, or the World Health Organisation has advised against travelling to.
  • My airline has cancelled my flight due to the Coronavirus, but the Foreign and Commonwealth Office has not advised against travel to that country or region.
  • My visa has been suspended due to the Coronavirus and I am unable to travel as planned.
  • I am unable to travel due to a regulatory authority advising me not to leave my home i.e. “lock down”.
  • I have voluntarily chosen to “self-isolate” without orders from a medical practitioner and am unwilling to travel.
  • My child is due to go on a school trip, but the school has closed following government advice.
  • I am disinclined to travel due to concerns / fear around Coronavirus.
  • I am due to travel to an area where I will need to self-isolate upon return.
  • I am due to travel, but the main purpose of the trip was to attend an event that has now been cancelled or visit an attraction that is now closed.

Known circumstances/events at the start date of your cover. Effective from 4.27pm on 11th March 2020, Coronavirus (Covid-19) was declared a pandemic by the World Health Organisation and became a global known event. All policies sold after this time (or new trips booked under existing policies) will not cover claims under the ‘Cancellation or curtailment charges’ section due to Coronavirus (Covid-19).

You should speak to your accommodation / transport provider to defer, rearrange or cancel your trip.

Alternatively you can contact your credit card provider to recover costs if the trip was paid for via this means.

Visit our claims centre.

Please note: Cancellation is not covered if you decide not to travel to an area for which there is no regulatory advice in place.


Will I be covered for medical expenses if I catch coronavirus whilst on my trip?

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9 and you have been affected by the following circumstances, you will be provided with cover as follows:

1. I have symptoms of coronavirus or have been diagnosed with the condition.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

2. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

3. My journey home has been delayed for reasons outside of my control.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

4. I am an international student studying in the UK and my journey home has been delayed for reasons outside of my control.

Subject to you remaining within the terms of your visa, cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you leave the UK, whichever is the earlier). This extends to all sections of cover.

For Chinese students studying in the UK, your cover will be automatically extended without any charge for the period of the delay up to and including 30th April 2020.


I'm on a trip away, don't have coronavirus but am required to quarantine. Can I claim for additional expenses?

If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9 and you have been affected by the following circumstances, you will be provided with cover as follows:

1. I have symptoms of coronavirus or have been diagnosed with the condition.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

2. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

3. My journey home has been delayed for reasons outside of my control.

Your cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you return home, whichever is the earlier). This extends to all sections of cover.

4. I am an international student studying in the UK and my journey home has been delayed for reasons outside of my control.

Subject to you remaining within the terms of your visa, cover will be automatically extended without any charge for the period of the delay up to a maximum of 60 days (or until you leave the UK, whichever is the earlier). This extends to all sections of cover.

For Chinese students studying in the UK, your cover will be automatically extended without any charge for the period of the delay up to and including 30th April 2020.


I'm on a trip away, don't have coronavirus but am required to quarantine and will miss my transport home. Am I covered?

Check whether your travel destination has been affected here.

If you have a policy starting with SL9, SA9, MT9 or GY9:

If you have already departed for your trip and regulatory advice changes while you’re there to advise against travel, you will be covered for any cancellation costs not already covered by your tour operator, accommodation or transport provider.

If the hotel or area you are staying in is put under quarantine and you are unable to return as planned, you may be able to make a claim for any costs or additional costs incurred. However, you should contact your tour operator or transport and accommodation provider in the first instance for a refund of costs and/or additional costs incurred.


If you have a policy number starting with BN9, IS9, NG9, NS9 or SG9:

We can provide cover for the following circumstances as follows:

1. I have symptoms of coronavirus or have been diagnosed with the condition.

If you have fallen ill, you (or someone on your behalf) must contact the 24 hour Emergency Assistance Service as soon as possible. For full details, please refer to you policy documentation under “Emergency and Medical Service”.

2. I am currently travelling in a region or country that the Foreign and Commonwealth Office has now advised against travelling to.

There is no cover for curtailment of the trip under the policy but cover will remain in place for emergency medical expenses as a result of coronavirus and all other standard policy cover will remain in force for the duration of your trip provided you arrived before the advice was issued. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.

3. I am currently travelling in a region or country where the Foreign and Commonwealth Office has not advised against travelling to but I am concerned about contracting coronavirus.

There is no cover for curtailment of your trip. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.

4. I have been quarantined to my accommodation, but I have not been diagnosed with coronavirus and will miss my transport home.

There is no cover under your policy. You should speak to your accommodation / transport provider to establish if they are able to arrange early / alternative transport home.

Visit our claims centre.

Please note: Cancellation is not covered where you decide to cut your trip short to an area for which there is no regulatory advice in place.


If I cancel my trip due to the coronavirus and I've only paid the deposit, can I claim it back?

Yes you can. But only if your deposit is more than the excess amount.


Will I be covered for cancelling trips within the UK?

Yes you will be covered for cancelling a trip within the UK.


If I postpone my trip, will I still be covered by insurance?

You can call us to amend your policy cover dates and cover would then remain in place as normal. However, unfortunately, you will not be covered for anything coronavirus-related as it has been declared as a pandemic.


Last updated: 01 April 2020


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